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By accessing and using this website, you agree to be bound by the following terms and conditions and the applicable laws. The content of this website, including but not limited to the text, images, and material contained therein and the arrangement thereof are the property of Dipl.Psych. Stefica Ban © 2004. All rights reserved. All trademarks used or referred to therein are the property of Dipl.Psych. Stefica Ban or of the party credited as the owner.

You may not copy, reproduce, or distribute the content, materials, or any other feature in whole or in part by any means or in any form except in accordance with the following provisions and the applicable laws.

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Disclaimer
Nothing on this website or any information or material contained therein constitutes or shall be taken to constitute business, legal, or other professional advice. This website and all information and material contained therein is provided solely for your personal information and non-commercial use. You should always consult a suitably qualified professional regarding any specific problem or issue. Any use you make of the information or material provided on this website or any site or service linked to by this website is at your own risk.

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Any information contained in any articles or other material published on this website represents solely the view of the authors and shall not be taken to constitute any opinions of Dipl.Psych. Stefica Ban.

WARRANTIES
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LIMITATION OF LIABILITY
THE TOTAL LIABILITY OF DIPL. PSYCH. STEFICA BAN OR ANY OF ITS EMPLOYEES OR CONTRACTORS FOR ANY FACTUAL OR LEGAL CAUSE WHATSOEVER, WHETHER BASED ON CONTRACT OR ON STATUTE, SHALL BE LIMITED AS FOLLOWS:
In the case of willful conduct, Germany statutory laws shall apply. In the case of gross negligence, Dipl.Psych. Stefica Ban shall be limited to the typical damage which reasonably could have been foreseen by Dipl.Psych. Stefica Ban unless the damage was caused by officers or directors of Dipl.Psych. Stefica Ban. In the case of slight negligence, Dipl.Psych. Stefica Ban shall be liable only if it is in breach of material obligations, limited, however, to the typical damage which reasonably could have been foreseen by Dipl.Psych. Stefica Ban.

The total liability for typical, foreseeable damage shall be limited to EUR 5,000.

IF YOU ARE LOCATED ABROAD OR ACCESS THIS WEBSITE FROM OUTSIDE THE TERRITORY OF THE FEDERAL REPUBLIC OF GERMANY OR IF THE GERMAN ACT REGARDING STANDARD TERMS AND CONDITIONS IS NOT APPLICABLE, THE LIABILITY OF DIPL. PSYCH. STEFICA BAN SHALL BE LIMITED AS FOLLOWS: IN NO EVENT SHALL DIPL. PSYCH. STEFICA BAN OR ANY OF ITS EMPLOYEES OR CONTRACTORS BE LIABLE FOR ANY DAMAGES WHATSOEVER IN CONNECTION WITH THE INFORMATION OR MATERIAL CONTAINED IN THIS WEBSITE, INCLUDING, WITHOUT LIMITATION, ACTUAL, CONSEQUENTIAL, DIRECT, EXEMPLARY, INCIDENTAL, INDIRECT, PUNITIVE, OR SPECIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS, BUSINESS INTERRUPTION, OR LOSS OF PROGRAMS OR DATA).

APPLICABLE LAW
This website, the information and material contained therein, and any dispute arising therefrom or in connection therewith shall be subject to the laws of the Federal Republic of Germany governing domestic relationships. The German regulations regarding the conflict of laws (Introductory Act to the German Civil Code) shall not apply. If you are located abroad or access this website from outside the territory of the Federal Republic of Germany, the Act Regarding Standard Terms and Conditions shall not apply.

JURISDICTION

This website is maintained by Dipl.Psych. Stefica Ban in Hamburg, Germany. Germany shall be the legal venue for all disputes arising from or in connection with this website if you are or represent a businessman as defined by the German Commercial Code, a legal entity under public law, or a special fund under public law. Mandatory places of jurisdiction shall not be affected.