Legal Notice and Mandatory Information

Information pursuant to § 5 DDG (Digitale-Dienste-Gesetz, German Digital Services Act) and § 15 VersVermV (Versicherungsvermittlungsverordnung, German Insurance Mediation Ordinance)

Provider

KIRCHNER Finanzgruppe GmbH
Am Mühlberg 45
64354 Reinheim

Represented by the managing director Thilo Kirchner
Registered in the commercial register of the Amtsgericht Darmstadt (Local Court) under HRB 33879

Telephone: 06078 / 96 700 0
Fax: 06078 / 96 700 20
E-mail: info@k5.world

VAT identification number pursuant to § 27a UStG (Umsatzsteuergesetz, German VAT Act): DE244300544

K5 WORLD is the umbrella brand; Arconis Consulting and Policenfuchs are brands of KIRCHNER Finanzgruppe GmbH. Terminauticus is a brand of Terminauticus LLC (USA); KIRCHNER Finanzgruppe GmbH is its exclusive distribution partner for Europe.

Insurance brokerage

Professional title: Versicherungsmakler (insurance broker) licensed under § 34d Abs. 1 GewO (Gewerbeordnung, German Trade Regulation Act); conferred in the Federal Republic of Germany.

Licensing and supervisory authority:
Industrie- und Handelskammer Wiesbaden (Chamber of Industry and Commerce)
Wilhelmstraße 24–26, 65183 Wiesbaden
Telephone 0611 1500-0, www.ihk.de/wiesbaden

Note: The Industrie- und Handelskammer Wiesbaden (Chamber of Industry and Commerce) also conducts the licensing and registration procedure under § 34d GewO (German Trade Regulation Act) for the district of the Industrie- und Handelskammer Darmstadt Rhein Main Neckar.

Registration in the insurance intermediary register: Register no. D-J2OQ-ULWO0-55

Registration can be verified with the joint register office (Gemeinsame Registerstelle) under § 11a GewO (German Trade Regulation Act):
Deutsche Industrie- und Handelskammer (DIHK – Association of German Chambers of Industry and Commerce)
Breite Straße 29, 10178 Berlin
Telephone 0180 600-585-0 (20 cents per call from the German landline network, maximum 60 cents per call from mobile networks)
www.vermittlerregister.info

Real estate brokerage

Professional title: Immobilienmakler (real estate agent) licensed under § 34c Abs. 1 GewO (Gewerbeordnung, German Trade Regulation Act); conferred in the Federal Republic of Germany.

Licensing and supervisory authority: Kreisausschuss des Landkreises Darmstadt-Dieburg (District Committee of the District of Darmstadt-Dieburg)
Jägertorstraße 207, 64289 Darmstadt

Chamber membership

Industrie- und Handelskammer Darmstadt Rhein Main Neckar (Chamber of Industry and Commerce)
Rheinstraße 89, 64295 Darmstadt

Professional regulations

• § 34d Gewerbeordnung (GewO – German Trade Regulation Act)
• §§ 59–68 Versicherungsvertragsgesetz (VVG – German Insurance Contract Act)
• Versicherungsvermittlungsverordnung (VersVermV – German Insurance Mediation Ordinance)
• § 34c Gewerbeordnung (GewO – German Trade Regulation Act)
• Makler- und Bauträgerverordnung (MaBV – German Ordinance on Estate Agents and Property Developers)

The professional regulations can be viewed and retrieved on the website www.gesetze-im-internet.de, operated by the Bundesministerium der Justiz (German Federal Ministry of Justice) and juris GmbH.

Status and Remuneration

KIRCHNER Finanzgruppe GmbH is an independent insurance broker and offers companies from all sectors as well as private individuals advice and the brokerage and servicing of insurance contracts.

Remuneration for this advisory, brokerage and servicing activity is the broker's commission (courtage) which, by customary law, is included in the insurance premium and is borne by the insurance company. It is also possible to expressly agree a brokerage fee (Honorar) payable directly by the client.

Shareholdings

KIRCHNER Finanzgruppe GmbH holds no direct or indirect interest in the voting rights or capital of an insurance company. No insurance company or parent company of an insurance company holds a direct or indirect interest in the voting rights or capital of KIRCHNER Finanzgruppe GmbH.

Conciliation Bodies

Information on conciliation bodies pursuant to § 214 VVG (Versicherungsvertragsgesetz – German Insurance Contract Act) and on participation in dispute resolution proceedings pursuant to § 36 VSBG (Verbraucherstreitbeilegungsgesetz – German Consumer Dispute Resolution Act):

The following conciliation bodies may be called upon for out-of-court dispute resolution. Pursuant to § 17 Abs. 4 VersVermV (Versicherungsvermittlungsverordnung – German Insurance Mediation Ordinance), we are obliged to participate in dispute resolution proceedings before the following consumer conciliation bodies:

We do not participate in dispute resolution proceedings before a consumer conciliation body in matters of real estate brokerage and management consulting.

Complaints Management

If you have a complaint about our services, please contact our complaints office:
E-mail: info@k5.world
Telephone: +49 6078 / 96 700 0

Responsible for Content

Responsible within the meaning of § 18 Abs. 2 MStV (Medienstaatsvertrag – German Interstate Media Treaty): Thilo Kirchner, address as above.

Mandatory Information pursuant to Articles 3 to 6 of the Disclosure Regulation

Regulation (EU) 2019/2088 on sustainability-related disclosures in the financial services sector

Policies on the Integration of Sustainability Risks

When selecting insurance companies and insurance products, we take into account the information provided by the insurers. Where applicable, we do not offer insurers that evidently have no strategy for integrating sustainability risks into their investment decisions. In the course of individual advice provided in the client's interest, we separately set out where the consideration of sustainability risks in the investment decision entails advantages or disadvantages for the individual client that are recognisable to us. The respective insurer provides information on how it considers sustainability risks in investment decisions in its pre-contractual information. Clients are welcome to contact us with any questions on this prior to a possible conclusion of a contract.

Principal Adverse Sustainability Impacts at Entity Level

In the course of our advice, the principal adverse impacts of investment decisions on sustainability factors of the financial market participants (insurers) are taken into account. This is done on the basis of the information provided by the insurance companies. The respective insurance company bears sole responsibility for the accuracy of that information. Any liability on our part is excluded in this respect. At present, such consideration can only be made to a limited extent, as the insurers' information is still being built up and may currently be incomplete.

Remuneration Policy in Relation to Sustainability Risks

The remuneration for the brokerage of insurance is not based on the sustainability risks associated with the investments. The amount of remuneration is neither positively nor negatively influenced by the sustainability risks of the investment.

Consideration of Sustainability Risks in Our Advice

In our advice on insurance-based investment products, sustainability risks are taken into account by using the insurers' pre-contractual information. If our due assessment shows a comparable or better return for a product that takes sustainability risks into account, that product is recommended as a priority.

As of: 22.10.2026