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.

You may display, print out, or download on one computer one copy of the material or an extract from this website for your personal, non-commercial use only, provided that you do not modify the material in any way and that you keep intact all copyright, trademark, and other proprietary notices contained therein.

You may reproduce the material or any extract thereof for individual third parties solely for their personal information and their personal, non-commercial use, provided that you acknowledge the Dipl.Psych. Stefica Ban website as the source of the material, include the Dipl.Psych. Stefica Ban website address (http://www.ban-hh.de), and keep intact all copyright, trademark, and other proprietary notices in any such copy of the material or extract thereof. Furthermore, you must inform the third party in question that the legal terms and conditions set forth in these legal notices apply to him/her and that he/she must comply therewith.

This right/license to reproduce does not include incorporation of the material or any part of this website in any other work or publication, whether in hard copy, electronic, or any other form. In particular, but without limitation, no part of the Dipl.Psych. Stefica Ban website or material contained therein may be copied or distributed for any commercial purpose whatsoever.

No part of the Dipl.Psych. Stefica Ban website may be copied to, reproduced on, transmitted to, or stored on any other website or in any other form of electronic retrieval system. You may not use or create links to the Dipl.Psych. Stefica Ban website without prior written permission from Dipl.Psych. Stefica Ban, Hamburg Federal Republic of Germany.

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.

Furthermore, none of the information or material contained herein constitutes or shall be taken to constitute any representations as to any contract, any business or professional relationship, or any contract between you and Dipl.Psych. Stefica Ban. All contracts and business or professional relationships shall be established and entered into solely by means of individual written contracts signed by Dipl.Psych. Stefica Ban

Links on this site may lead to third-party services or websites. This does not imply any endorsement of or any warranty with respect to such other services or websites. Dipl.Psych. Stefica Ban accepts no liability for such other services or websites.

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
The information and material contained in this website is provided "as is" and Dipl.Psych. Stefica Ban EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTIBILITY OR FITNESS FOR A PARTICULAR PURPOSE.

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.