1. Acceptance of terms
By accessing or using bv-ag.org (the "Website"), operated by Bochumer Versicherungsverein auf Gegenseitigkeit ("we", "us", "our"), you agree to these Terms of Service. If you do not agree, please discontinue use of the Website.
2. Nature of this website
This Website provides general information about burial insurance and funeral planning for educational purposes only. We do not sell insurance products, process payments, broker policies, or offer paid services of any kind through this Website. Nothing on the Website constitutes an offer, quote, or solicitation to purchase any insurance product or funeral service.
3. No professional advice
Content on this Website does not constitute financial, legal, tax, medical, or insurance advice and should not be relied upon as such. Individual circumstances vary, and you should consult a licensed professional before making decisions related to burial insurance, funeral planning, or estate matters.
4. Acceptable use
You agree to use this Website only for lawful purposes. You must not attempt to gain unauthorised access to any part of the Website, interfere with its operation, or use automated means to extract content without our prior written permission.
5. Intellectual property
Unless otherwise indicated, the text, design, and original graphics on this Website are owned by or licensed to Bochumer Versicherungsverein auf Gegenseitigkeit. You may view and print pages for personal, non-commercial use. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.
6. Third-party links and images
This Website may include links to third-party websites or photographs sourced from third-party platforms. We are not responsible for the content, accuracy, or practices of any third-party website, and inclusion of a link does not imply endorsement.
7. Limitation of liability
The Website and its content are provided "as is" without warranties of any kind, express or implied, including as to accuracy, completeness, or fitness for a particular purpose. To the fullest extent permitted by applicable law, Bochumer Versicherungsverein auf Gegenseitigkeit shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, the Website.
8. Changes to content
We may update, modify, or remove content on this Website at any time without prior notice. We make reasonable efforts to keep information accurate but do not guarantee that all content is current or error-free.
9. Governing law
These Terms are governed by the laws of the Federal Republic of Germany, without regard to conflict-of-law principles, except where mandatory consumer protection laws of your country of residence provide otherwise.
10. Contact
Questions about these Terms can be directed to support@bv-ag.org or +49 234 912831 60.