Omega Omniconsult · AGB / Terms and Conditions

Terms and Conditions

General Terms and Conditions (“Terms”) for the advisory and intermediation services of Omega Omniconsult.

§ 1 Scope

(1) These Terms apply to all advisory and intermediation services provided by Omega Omniconsult, owner Karoline Perisan (the “Provider”), to clients (the “Client”).

(2) By using the Provider’s services – in particular by arranging a consultation or issuing a mandate – the Client accepts these Terms.

(3) Conflicting, supplementary, or differing terms of the Client do not become part of the contract unless expressly agreed in writing.

§ 2 Provider, Activity and Authorisations

(1) The Provider under these Terms is:

Omega Omniconsult

Owner: Karoline Perisan (born Reiter)

Bärmannstraße 34, 81245 Munich, Germany

Phone: +49 157 3538 2555 · E-Mail: [email protected]

(2) Professional advisory and intermediation activities are carried out by the employed intermediary Bertram Reiter.

(3) The Provider holds the following statutory authorisations:

  • Insurance intermediary pursuant to § 34 d (1) GewO — register no. D-2JS0-VPG8Q-94

  • Financial-investment intermediary pursuant to § 34 f (1) GewO — register no. D-F-155-D5HV-24

  • Real-estate loan intermediary pursuant to § 34 i (1) GewO — register no. D-W-155-XW28-03

(4) Registrations can be verified at www.vermittlerregister.info. Further mandatory information – in particular the supervisory authority and professional indemnity insurance – is set out in the Legal Notice (Impressum).

§ 3 Conclusion of Contract and Initial Consultation

(1) The presentation of services on the Provider’s website does not constitute a binding offer but is an invitation to contact the Provider.

(2) An advisory or intermediation contract is only concluded once the Provider expressly accepts the Client’s request. Acceptance may be made orally, in writing, by e-mail, or by messenger service.

(3) The initial telephone or digital consultation is free of charge and non-binding for the Client. It serves solely to clarify whether and to what extent further advice is appropriate.

(4) Before concluding any intermediation contract, the Client receives the required pre-contractual information pursuant to § 15 VersVermV, § 12 FinVermV, and § 12 ImmVermV, as applicable.

§ 4 Scope of Services

(1) The Provider offers, in particular, the following services:

  • Needs-based advice on insurance products, financial investments within the meaning of § 34 f GewO, and real-estate loans,

  • Intermediation of suitable products and contracts within the scope of the granted authorisations,

  • Support during application and contract conclusion,

  • Ongoing supervision of existing contractual relationships, where separately agreed.

(2) The Provider expressly does not provide:

  • investment advice or investment intermediation within the meaning of the German Securities Trading Act (WpHG),

  • legal advice within the meaning of the German Legal Services Act (RDG),

  • tax advice within the meaning of the German Tax Consultancy Act (StBerG),

  • brokerage activities pursuant to § 34 c GewO involving the sale of real estate.

(3) Recommendations are based on the information provided by the Client and the market situation at the time of consultation. No guarantee is given for the future performance of recommended products or for the achievement of specific investment objectives.

§ 5 Client’s Duties of Cooperation

(1) Needs-based advice requires the Client to disclose all relevant facts to the Provider truthfully and in full. This concerns in particular the personal and economic situation, investment objectives, risk tolerance, and existing contractual relationships.

(2) The Client is obliged to inform the Provider without delay of any changes in personal or economic circumstances that are material to products already recommended or intermediated.

(3) Required documents (e.g., income statements, self-declaration forms, property documents) must be made available to the Provider completely and in good time.

(4) If the Client fails to fulfil these duties of cooperation, the Provider is not responsible for any resulting delays or disadvantages.

§ 6 Advisory Documentation

(1) The Provider documents consultations in accordance with statutory requirements, in particular § 61 VVG (insurance mediation), § 18 FinVermV (financial-investment mediation), and § 14 ImmVermV (real-estate loan mediation).

(2) The Client receives a copy of the documentation in text form.

(3) Documentation is retained in accordance with statutory periods, generally five to ten years.

§ 7 Compensation

(1) Advisory and intermediation services concerning insurance, financial-investment and real-estate loan products are generally free of charge for the Client. In such cases, the Provider’s compensation is paid via commissions or brokerage fees by the respective product provider (insurer, fund management company, bank).

(2) If, exceptionally, a separate fee-based advisory arrangement is agreed, the individual agreement applies. The amount of the fee and the scope of services are recorded in text form before the engagement begins.

(3) Out-of-pocket expenses and third-party costs (e.g., appraisals, land register extracts, certified copies) are borne by the Client unless otherwise agreed.

§ 8 Confidentiality and Data Protection

(1) The Provider treats all information disclosed during the advisory process as confidential and passes it on to third parties only where this is necessary for the performance of the contract (e.g., to insurers, banks, or fund management companies for application purposes) or where required by law.

(2) Processing of personal data is carried out in accordance with the EU General Data Protection Regulation (GDPR) and the German Federal Data Protection Act (BDSG). For details, please refer to the Provider’s Privacy Policy.

(3) The Client consents to the transfer of his/her data to the relevant product providers for the purposes of advice and intermediation.

§ 9 Liability

(1) The Provider is liable for intent and gross negligence in accordance with statutory provisions.

(2) In the case of simple negligence, the Provider is liable only for the breach of a material contractual obligation, the fulfilment of which is essential to the proper performance of the contract and on whose compliance the Client may regularly rely (cardinal obligation). In such cases, liability is limited to typical, foreseeable damage.

(3) Liability for damage resulting from injury to life, body, or health, and liability under the German Product Liability Act, remains unaffected.

(4) The Provider maintains professional indemnity insurance with Allianz VersicherungsAktiengesellschaft. Geographic scope: activities within the European Economic Area.

(5) The Provider is not liable for the economic performance of recommended or intermediated products, for changes in tax or legal frameworks, or for damages caused by product providers.

§ 10 Right of Withdrawal for Consumers (Distance Selling)

(1) When contracts are concluded by means of distance communication, consumers have a statutory right of withdrawal pursuant to §§ 312 g, 355 of the German Civil Code (BGB).

Notice of Withdrawal

Right of Withdrawal

You have the right to withdraw from this contract within 14 days without giving any reason. The withdrawal period is 14 days from the day on which the contract is concluded.

To exercise your right of withdrawal, you must inform us (Omega Omniconsult, Karoline Perisan, Bärmannstraße 34, 81245 Munich, Germany, e-mail: [email protected]) of your decision to withdraw from this contract by an unequivocal statement (e.g., a letter sent by post or email).

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning the exercise of the right of withdrawal before the withdrawal period has expired.

Consequences of Withdrawal

If you withdraw from this contract, we will reimburse to you all payments received from you, including the costs of delivery (with the exception of supplementary costs resulting from your choice of a type of delivery other than the least expensive type of standard delivery offered by us), without undue delay and in any event no later than 14 days from the day on which we are informed about your decision to withdraw from this contract. For such reimbursement, we will use the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

If you requested that services begin during the withdrawal period, you shall pay us an amount which is in proportion to what has been provided until the time you have communicated to us your withdrawal from this contract, compared with the full coverage of the contract.

End of withdrawal notice.

(2) For the intermediation of insurance contracts, the withdrawal right pursuant to § 8 VVG applies additionally with respect to the insurance contract itself. The corresponding notice is provided directly by the insurer.

§ 11 Contract Duration and Termination

(1) Unless ongoing services are expressly agreed, the advisory and intermediation contract ends upon delivery of the agreed services.

(2) Where ongoing supervision is agreed, both parties may terminate the contract with a notice period of four weeks to the end of a month. The right to extraordinary termination for good cause remains unaffected.

(3) Termination notices require at least text form (§ 126 b BGB).

§ 12 Consumer Dispute Resolution

(1) The Provider is neither willing nor obliged to participate in dispute resolution proceedings before a consumer arbitration board (§ 36 VSBG).

(2) For disputes specifically arising from insurance mediation, consumers may contact the following arbitration bodies:

  • Insurance Ombudsman (Versicherungsombudsmann e. V.), P.O. Box 080632, 10006 Berlin (www.versicherungsombudsmann.de)

  • Ombudsman for Private Health and Long-Term Care Insurance, P.O. Box 06 02 22, 10052 Berlin (www.pkv-ombudsmann.de)

§ 13 Governing Law and Place of Jurisdiction

(1) These Terms are governed exclusively by the law of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods. For consumers who do not conclude the contract for professional or commercial purposes, this choice of law applies only insofar as the consumer is not deprived of the protection of mandatory provisions of the law of the country in which he or she has habitual residence.

(2) The exclusive place of jurisdiction for all disputes arising from the contractual relationship is Munich, provided the Client is a merchant, a legal entity under public law, or a special fund under public law. For consumers, the statutory place of jurisdiction applies.

§ 14 Final Provisions

(1) Amendments or supplements to the contract and to these Terms require text form. This also applies to the waiver of the text form requirement itself.

(2) Should individual provisions of these Terms be or become invalid in whole or in part, the validity of the remaining provisions shall not be affected. The invalid provision shall be replaced by the statutory rule.

(3) These Terms are available in German and English. In case of any inconsistency between the language versions, the German version shall prevail.

Last updated: May 2026