Legal notice

By accessing the material made available by Bethmann Bank AG on this website (hereinafter referred to as the "Bethmann Bank AG website"), you agree to the following terms and conditions:

 

Use of the Bethmann Bank AG website

All elements on Bethmann Bank AG’s website are protected by copyright and all rights are reserved. You are permitted to download or print out one or more sections, provided that no copyright or other proprietary notices are removed. No rights whatsoever in respect of the software or elements on Bethmann Bank AG’s website shall be transferred to you by downloading or copying from Bethmann Bank AG’s website. Any reproduction, dissemination, making available for download or online access (incorporation into other websites) of our websites, their layout, their content (texts, images, programmes) in whole or in part, in modified or unmodified form, shall only be permitted with the prior written consent of Bethmann Bank AG.

No information published on Bethmann Bank AG’s website should be construed as an advertisement, a solicitation of an offer, an offer, advice, a recommendation to buy or sell investments or to engage in any other transaction.

 

Linked websites (links)

Certain links on Bethmann Bank AG’s website will take you to third-party websites. Bethmann Bank AG has not verified the sites linked to Bethmann Bank AG’s website and is in no way responsible for their content or the products, services and other elements offered on such sites.

Links to sub-pages and sub-directories shall only be permitted with the prior written consent of Bethmann Bank AG. The integration of Bethmann Bank AG's web pages into a framework structure (frames) shall only be permitted with the prior written consent of Bethmann Bank AG.

 

No warranty

The use of the website is at the user's own risk. The user shall bear the risk of loss resulting from the downloading or use of the website and its content. Bethmann Bank AG shall make every reasonable effort to obtain its information from sources it deems reliable. Bethmann Bank AG does not accept any warranty claims for the accuracy, reliability or completeness of the information or opinions published on this website. All information and opinions published on this website are provided by Bethmann Bank AG for personal use and information purposes only and are subject to change, restriction or cancellation at any time without notice. Bethmann Bank AG is under no obligation to update or keep the information and opinions up to date. No information or statement provided on this website should be construed as investment, legal, tax or other advice and should not be relied upon in making investment or other decisions. It is your responsibility to seek the advice of a professional before taking an investment decision.

 

Legally relevant shareholdings

Bethmann Bank AG is part of the globally operating ABN AMRO Group. ABN AMRO, its business units and/or its directors, officers and employees may have or have had interests or positions In the securities or traded or acted as market makers in such securities. Such business units or persons may also maintain or have maintained business relationships with the aforementioned companies, provide or have provided corporate finance or other services to them or participate or have participated in the management of these companies.

 

Investment performance

Past performance is not necessarily indicative of the future performance of an investment. There are several factors that can cause the value of an investment to rise or fall and consequently it is possible that investors may not recover the amount originally invested. Investment values may rise and fall as a result of exchange rate fluctuations.

 

Liability limitations

Bethmann Bank AG hereby waives all liability (including negligence) for any loss or damage, direct, indirect and/or consequential, which may arise from the use of, consultation of and access to Bethmann Bank AG’s website or from links to third-party websites.

 

Regional legal restrictions

Bethmann Bank AG’s website is not intended for persons falling under a jurisdiction prohibiting the publication of or access to this website (on grounds of nationality or otherwise). Persons who are subject to such restrictions are not permitted to access Bethmann Bank AG’ website. This website is primarily intended for users located in Germany and is explicitly not intended for users in or residing in the United States of America or for private users within the United Kingdom.

 

Data protection

We are committed to protecting your personal data. Details can be found in our Data Protection Declaration

Deposit Protection Fund

  1. Scope of protection

    The bank is a member of the Deposit Protection Fund of the Association of German Banks (Bundesverband deutscher Banken e.V.). The Deposit Protection Fund secures all liabilities to be shown in the balance sheet item "Liabilities to customers". These include demand, time and savings deposits, including registered savings bonds. The protection limit per creditor shall be 30% until 31 December 2014, 20% until 31 December 2019, 15% until 31 December 2024 and 8.75% of the Bank's liable capital relevant for deposit protection from 1 January 2025. For deposits established or rolled over after 31 December 2011, the respective new protection limits shall apply as of the aforementioned cut-off dates, irrespective of the date on which the deposit was established. For deposits established before 31 December 2011, the previous protection limits shall apply until the maturity of the deposit or until the next possible termination date. The Bank will advise the client of this security limit upon request. It is also available on the internet at www.bankenverband.de. If the bank is a branch of an institution from another state of the European Economic Area, the Deposit Protection Fund shall only provide compensation if and to the extent that the credit balances exceed the protection limit of the home country’s deposit protection scheme. The level of protection provided by the home country’s deposit protection scheme can be viewed online on the website of the relevant scheme, the address of which shall be made available to the client by the Bank on request.

  2. Exemptions from deposit protection

    Claims for which the bank has issued bearer instruments, such as bearer bonds and bearer certificates of deposit, as well as liabilities to credit institutions are not protected.

  3. Supplementary validity of the Statute of the Deposit Protection Fund

    Reference is made to Section 6 of the statutes of the Deposit Protection Fund for further details on the level of protection, which will be made available upon request.

  4. Subrogation

    Insofar as the Deposit Protection Fund or one of its agents makes payments to a client, the client's claims against the bank shall be transferred to the Deposit Protection Fund concurrently in the corresponding amount with all ancillary rights.

  5. Provision of information

    The Bank shall be authorised to provide the Deposit Protection Fund or a person authorised by it with all information and documents required in this context.

 

PSD2: Account access for third party providers

The new payment law (PSD2) authorises third party providers (TPP) to access payment accounts with the client's consent. We offer interested TPPs a sandbox to test this interface. For more information, please click on the following link: https://www.bank-verlag.de/psd2-bethmannbank

 

Note on bank resolution and creditor participation (bail-in)

For more information, please refer to the document "Note on bank resolution and creditor participation (bail-in)" (German)

 

Principles and process of the complaints procedure

Our aim as a bank is to provide you, the client, with products and services that meet your requirements and expectations. It is therefore our top priority to ensure that you are satisfied with our services. Nevertheless, in the event that you wish to make a complaint to us, our dialogue with you will be conducted in comprehensible steps to ensure that you receive a timely and transparent response from us. Your complaint also serves as an important basis for the ongoing optimisation of our service quality. It will therefore be dealt with by us individually, objectively and appropriately and free of charge.

Please refer to the following document "Principles of the Complaints Procedure" (German) for further information on how to submit a complaint and on the sequence of the complaints procedure.

 

Ombudsman procedure

The Bank participates in the dispute resolution procedure of the consumer arbitration board "Ombudsman of Private Banks" (www.bankenombudsmann.de). Under this procedure, the consumer has the option of submitting a dispute with the bank to the private banks' ombudsman. In the event that the subject of the dispute relates to a payment services contract (Section 675f of the German Civil Code), clients who are not consumers may also have recourse to the private banks' ombudsman. The “Procedural Decree for the Settlement of client Complaints in the German Banking Sector", sets forth further provisions and shall be made available upon request or can be downloaded from the internet at www.bankenverband.de. The complaint must be submitted in text form (e.g. by letter, fax or email) to the client Complaints Office at the Association of German Banks (Bundesverband deutscher Banken e. V.), PO Box 04 03 07, 10062 Berlin, Fax: (030) 1663-3169, email: ombudsmann@bdb.de.

 

European Online Dispute Resolution Platform

The European Commission has established a European Online Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/. The ODR platform can be used by a consumer for the out-of-court settlement of a dispute arising from online contracts with a company established in the EU.

 

Choice of law and place of jurisdiction

The user relationship of the web pages of Bethmann Bank AG is subject to German law. The non-exclusive place of jurisdiction is Frankfurt am Main.