Disclaimer of liability:

This website contains links to external websites of third parties, the contents of which we have no influence on. Therefore we cannot assume any liability for these external contents. The respective provider or operator of these websites is always responsible for the contents of the linked websites. The linked pages were checked for possible legal violations at the time of linking. Illegal contents were not identified at the time of linking.

However, a permanent control of the contents of the linked pages is not reasonable without concrete evidence of a violation of the law. In the case of illegal contributions by users/guests of the website, the principle applies that the operator of a forum/blog/page is only liable after knowledge and due to the following inactivity. Each site operator is therefore only liable for this content once he has obtained knowledge of this illegal content. As soon as we become aware of any infringements, we will remove such content (texts, images, links, etc.) immediately. The website owner hereby declares that he has no influence on the design and content of the linked pages.

All opinions and information published on this website do not constitute tax, legal or investment advice. Please bear in mind that advice given on these pages cannot replace legal advice. For clarification of legal questions you need a lawyer and other offices. There are no direct mediation or consulting services in matters of health insurance on these web pages, since we do not act as insurance brokers, but as tipsters. Please understand that we cannot guarantee the correctness and completeness of the contents. Technical changes and errors can also not be completely excluded. Readers/user comments exclusively reflect the experiences and opinions of the readers and are – unless otherwise noted – not statements of fact. The website owner does not assume any liability for the provided and/or sent contents (texts, links, pictures, etc.) of the individual users.

The website-owner does not assume any liability for the topicality, correctness, completeness or quality of the information provided. Liability claims against the website owner or the respective author, which refer to material or non-material damage caused by the use or non-use of the information provided or by the use of incorrect or incomplete information, are excluded in principle, unless the website owner or author has demonstrably acted with intent or gross negligence. In the same way, the website owner also accepts no liability for any damage to health resulting from the use of this website or the information provided on it, in particular for damage to health resulting from the use of the products suggested or tested by the website.

All offers are not binding. Parts of the pages or the complete publication including all offers and information might be extended, changed or partly or completely deleted by the author without separate announcement.


Texts, pictures and graphics on these pages are subject to copyright. Unauthorized use, reproduction or transmission of individual contents or complete pages can be prosecuted under both criminal and civil law. Only under German civil law, omission and compensation for damages, surrender or destruction of the duplication devices as well as the public announcement of the verdict are possible. The transfer of texts or pictures to your website or for other purposes may only be done with our written permission. Displayed trademarks belong to their respective owners. All brand names used (e.g. Back to the Future, Universal, …) are registered trademarks, even if they are not individually identified as such. The same applies to product names whose rights to the name are held by the respective manufacturers (e.g. Back to the Future the Game, …)

The abusive assertion of a claim for injunction under competition law is excluded. This is especially the case if a legal violation is only being reprimanded in order to collect the costs of the reminder. Even the immense number of warning letters and the use of identical serial letters often indicate an abusive assertion. In case of abuse, there is basically no claim for reimbursement of costs. The cost note of a lawyer’s warning without prior contact is rejected as unfounded in the sense of the duty to minimize damages. Instead, the recipient should react with a counter-reminder.

Responsible for the content:
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