Legal information/provider identification as per section 5 German Broadcast Media Act (TMG), section 55 Interstate Broadcasting Treaty (RStV)
Primary Contact Details
Germany and the European Union
LIVA Europe GmbH
Am Wehrhahn 36
Managing Directors (Geschäftsführer):
Clemens Jürgen Küppers
Court of Registration: HRB 85500, District Court (Amtsgericht) of Düsseldorf, Germany
Regulatory Information in accordance with section 11 German Insurance Intermediary Regulation (VersVermV)
LIVA Europe GmbH is registered with the Chamber of Industry and Commerce (Industrie- und Handelskammer) Düsseldorf, Germany and is listed in the Register of Brokers (Vermittlerregister) as a licensed insurance intermediary in accordance with Article 34 d (1) of the Trade Regulations Act (Gewerbeordnung) and Register Number: D-JJGR-5XKMH-93.
The responsible supervisory body is the Chamber of Industry and Commerce Düsseldorf, Ernst-Schneider-Platz 1, 40212 Düsseldorf, Germany
LIVA Europe GmbH provides insurance distribution services in the European Union, Iceland, Lichtenstein and Norway in accordance with article 4 of the Directive 2006/97, the Insurance Intermediary Directive.
UK Regulatory Information
Financial Conduct Authority reference number: 839340.
LIVA Europe GmbH is deemed authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
Section 34d (1) Trade Regulations Act (Gewerbeordnung)
Section 59 – 68 German Insurance Contract Act (VVG)
German Insurance Intermediary Regulation (VersVermV)
The legal provisions can be viewed and retrieved on the homepage operated by the Federal Ministry for Justice and juris GmbH www.gesetze-im-internet.de.
The entries in the Register of Brokers (Vermittlerregister) can be checked as follows:
Disclosure of direct or indirect participations over ten percent in insurance companies or participations of insurance companies in our company of over ten percent.
LIVA does not hold direct or indirect participations of more than 10% of the voting rights or capital of an insurance company.
We aim to resolve your concerns by close of business on the next working day. If this is not possible, we will promptly acknowledge your complaint in writing (or by email if that was your chosen method of communication) no later than three working days after receipt.
Should a complaint remain unresolved, a complaint can be referred to a resolution platform provided the party complaining is entitled to use such a platform.
Postfach 08 06 32, 10006 Berlin, Germany
We amend these terms from time to time. Every time you wish to use the website, please check these terms to ensure you understand the terms that apply at that time. You are also responsible for ensuring that all persons who access the website through your internet connection are aware of these terms and conditions, and that they comply with them.
The information contained in the website is for general information purposes only. It is not intended to amount to advice upon which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
The information contained in the website is provided by LIVA and while we make efforts to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
Whether you are a consumer or a business user
We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products and services to you.
If you are a business user
We exclude all implied conditions, warranties, representations or other terms that may apply to the website or any content on it.
We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
In particular, we will not be liable for:
If you are a consumer user
Please note that we only provide the website for domestic and private use. You agree not to use the website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity or in response to any breaches by you of these terms.
If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.
The website may include information and materials uploaded by other users of the website, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on the website do not represent our views or values.
Unauthorised use of the website may give rise to a claim for damages and/or be a criminal offence.
This disclaimer has no effect on your statutory rights in respect of any product and service that you buy from this website.
The website is made available free of charge. Every effort is made to keep the website operational and available. However, you may not have uninterrupted and error-free access or use of the website. We take no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control. We may suspend or withdraw or restrict the availability of the website (in whole or in part) so we can repair, maintain or update the website. In these circumstances, we will try to give you reasonable notice.
LIVA takes all reasonable steps to ensure that any information you provide to us on the website or via email is kept secure, but please remember that, because of the nature of the internet, the security of this information during electronic transfer cannot be guaranteed. Nor is there any guarantee that all emails sent and forms submitted will be received by us.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms and conditions.
Links to other Websites
Links from the website to third party websites are provided for information and convenience only. A link does not imply an endorsement of a third party website; likewise, not linking to a particular third party website does not imply lack of endorsement. By following the links, you will be leaving the website and LIVA is not responsible for, does not endorse or approve and accepts no liability in respect of, any information or opinion contained on any third party website (including, without limitation, any liability arising out of any allegation that the content of any third party site infringes any law or the rights of any person or entity).