Legal Disclaimer

Copyrights

© Copyright PATRONAS Financial Systems GmbH: All rights reserved. The text, images, graphics, sound files, animation files, video files, and their arrangement on the PATRONAS website are all subject to copyright and other intellectual property protection. These objects may not be copied for commercial use or distribution, nor may these objects be modified or reposted to other sites. The display of this website in foreign frames is only admissible with written authorization.

PATRONAS websites may contain images whose copyrights are attributable to third parties:

Images from www.fotocommunity.de

"Zauberwuerfel" Sven Klügl, "Der Bulle sieht rot" Michael Kügel, "Geschwindigkeit" Dirk Brösel", "Matrix" Thomas Kapuss

and www.123rf.com.

CMS: wake up page design

Trademarks

PATRONAS is a registered Trademark (OHIM – Office for Harmonization in the INTERNAL MARKET Number 013394581) of PATRONAS Financial Systems GmbH.

Licences

PATRONAS Financial System GmbH has sought to achieve an innovative and informative website. However, you also need to understand that the PATRONAS Financial Systems GmbH must protect its intellectual property, including its patents, trademarks, and copyrights. Accordingly, please appreciate that no licence to use the intellectual property of PATRONAS Financial Systems GmbH or the intellectual property of third parties has been granted by this website.

Warranty, liability

The content of this website is created with the greatest possible care. The provider does not assume any guarantee for the accuracy, completeness and timeliness of the provided content. The usage of the content of the website takes place at the risk of the user. Articles that state the name of the author are written in his opinion and do not always mirror the opinion of the provider. No contractual relationship is concluded between the user and the provider by simple usage of the website of the provider.

The information on this website is provided "as is" and without warranty of any kind, expressed or implied, including (but not limited to) any implied warranties of merchantability, fitness for any particular purpose, or non-infringement of third party rights. While the information provided is believed to be accurate, it may include errors or inaccuracies. The usage of the content of the website takes place at the risk of the user. Articles that state the name of the author are written in his opinion and do not always mirror the opinion of the provider. No contractual relationship is concluded between the user and the provider by simple usage of the website of the provider.

In no event shall PATRONAS Financial Systems GmbH be liable to any person for any special, indirect or consequential damages relating to this material, unless caused by gross negligence or intentional misconduct.

External links

This website contains links to websites of third parties („external links“). These websites are subject to the responsibility of the respective operators. Placing external links does not mean that PATRONAS Financial Systems GmbH makes the content behind the reference or link its property and therefore PATRONAS Financial Systems GmbH is not responsible for the contents of websites that are maintained by third parties and therefore waives its liability for any links from this website to other websites.

Collection and processing of data

Every access to our website and every retrieval of a file saved on a website is recorded.  Please visit our Data Protection Statement for detailed information.

Newsletter

By agreeing to receive a newsletter (revocable at any time), you are agreeing to the usage of your personal data for sending you promotion and other information via email. All data (except the email address) is provided voluntary during the subscription process of the newsletter.

Right to information

Upon written request we will gladly inform you about your saved personal data. Please visit our Data Protection Statement for detailed information.

Cookies

The internet pages use so-called cookies at several locations. They serve making our offer more user-friendly, effective, and safe. Cookies are small text files that are saved on your computer by your browser. Most of the Cookies we use are so-called "Session-Cookies". After your visit ends they are automatically deleted. Cookies do not damage your computer and do not contain any viruses.

Safety information

We make technical and organisation effort to process and save your personal data in a way that it is not accessible by third parties.  During correspondence via email, we cannot guarantee full data safety. Thus, we recommend sending us confidential information by mail (post).