Terms of Service

These Terms of Service ("Terms") govern your use of sterbekasse-muenchen.org (the "Website"), operated by the Sterbe-Unterstützungs-Vereinigung der Beschäftigten der Stadt München ("we", "us", "our"). By using the Website, you agree to these Terms.

1. Informational purpose only

This Website is provided solely for general informational purposes. It is intended to help visitors understand topics related to funeral cost planning and family financial protection. We do not offer, sell, broker, underwrite, or administer any insurance policy, fund, or financial product through this Website, and no paid service of any kind is available here.

2. No financial or legal advice

Nothing on this Website constitutes financial, legal, tax, or insurance advice, and it should not be relied upon as a substitute for advice from a qualified professional. Any decisions you make regarding funeral planning or financial protection remain your own responsibility.

3. Use of the Website

You agree to use this Website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use of, this Website by any third party. You agree not to attempt to gain unauthorised access to any part of the Website or its underlying systems.

4. Intellectual property

The text, layout, and design of this Website are owned by or licensed to us and are protected by applicable intellectual property laws. You may view and print pages for personal, non-commercial reference, but you may not reproduce, republish, or distribute our content without prior written permission.

5. Third-party content and links

This Website may include images sourced from third-party libraries and links to external resources. We are not responsible for the content, accuracy, or availability of third-party websites, and inclusion of a link does not imply endorsement.

6. No warranty

We make reasonable efforts to keep the information on this Website accurate and up to date, but we make no warranty, express or implied, regarding its completeness, accuracy, or suitability for any particular purpose. The Website is provided "as is".

7. Limitation of liability

To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or reliance on, this Website or its content.

8. Changes to these Terms

We may revise these Terms from time to time. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

9. Governing law

These Terms are governed by the laws of the Federal Republic of Germany, without regard to conflict-of-law principles.

10. Contact us

Questions about these Terms can be sent to support@sterbekasse-muenchen.org or via our Contact page.