Initial disclosure (Erstinformation) under § 15 VersVermV
This English translation is provided for your convenience. The German version is the legally binding one.
As an insurance intermediary and financial investment intermediary, I have to tell you before our first consultation who I am, in what capacity I work and where you can check my details (§ 15 VersVermV, § 12 FinVermV). You can read them here at any time.
About me as an intermediary
Milad Gholampour
Self-employed sales partner (Selbstständiger Vertriebspartner) for Horbach Wirtschaftsberatung GmbH
Curiestraße 4, 70563 Stuttgart, Germany
Mobile: +49 176 45833573
Phone: +49 711 2525390
Email: milad.gholampour@horbach.de
Insurance intermediation
Status: Insurance agent (Versicherungsvertreter) licensed under § 34d (1) GewO
Registration number: D-ET85-0CVB7-74
Licensing and supervisory authority: IHK Region Stuttgart, Jägerstraße 30, 70174 Stuttgart
Financial investment intermediation
Status: Financial investment intermediary (Finanzanlagenvermittler) under § 34f (1) sentence 1 no. 1 GewO
Registration number: D-F-175-3HEI-82
Licensing and supervisory authority: IHK Region Stuttgart, Jägerstraße 30, 70174 Stuttgart
Further licence
Licence under § 34c GewO; the supervisory authority is also the IHK Region Stuttgart.
Intermediary register
You can check my registrations in the official intermediary register. It is kept by the joint body under § 11a (1) GewO:
Deutsche Industrie- und Handelskammer (DIHK)
Breite Straße 29, 10178 Berlin
Phone: 0180 6005850 (EUR 0.20 per call)
www.vermittlerregister.info (opens in a new tab)
Advice
I offer you advice before arranging any contract: in person in Stuttgart and online across Germany, in Persian, German and English. The first conversation is free and non-binding.
Remuneration
For arranging insurance I receive a commission, which is included in the insurance premium. There are no separate consultation fees for you. On request, I will explain my remuneration before you sign a contract.
Professional regulations
Insurance intermediation: § 34d GewO, §§ 59–68 VVG and the Insurance Intermediation Ordinance (VersVermV). Financial investment intermediation: § 34f GewO and the Financial Investment Intermediation Ordinance (FinVermV). The texts are available in German at www.gesetze-im-internet.de (opens in a new tab).
Complaints
If you are not satisfied with my advice, please tell me directly. You can also contact the quality management department of Horbach Wirtschaftsberatung GmbH:
Horbach Wirtschaftsberatung GmbH, Abteilung Qualitätsmanagement
Swiss-Life-Platz 1, 30659 Hannover
Email: Qualitaetsmanagement@horbach.de
Horbach's complaints page (opens in a new tab) (in German)
Dispute resolution
For disputes arising from insurance intermediation, you can contact these arbitration bodies:
Versicherungsombudsmann e. V.
Postfach 08 06 32, 10006 Berlin
www.versicherungsombudsmann.de (opens in a new tab)
Ombudsmann Private Kranken- und Pflegeversicherung
Postfach 06 02 22, 10052 Berlin
www.pkv-ombudsmann.de (opens in a new tab)
Horbach Wirtschaftsberatung GmbH's complaints procedure also names this arbitration body:
Schlichtungsstelle für gewerbliche Versicherungs-, Anlage- und Kreditvermittlung
Barmbeker Straße 2, 22303 Hamburg
www.schlichtung-finanzberatung.de (opens in a new tab)
If you have any questions, you can reach me at +49 176 45833573 or milad.gholampour@horbach.de.