The details and information provided on these Internet pages is for informational purposes only and should not be considered as a substitute for personal advice. Your savings bank does not guarantee the accuracy, completeness or timeliness of the content provided. The respective providers bear responsibility for third-party websites to which your savings bank links.

Time-delayed information

Prices, news and other relevant market and stock exchange information are displayed on the website of your savings bank with a delay of at least 15 minutes, unless otherwise stated.

Non-investment advice

The information and statements contained on these Internet pages should not be construed as an offer to enter into an advisory contract; instead, they should be regarded as informational only. For personal advice, please contact a savings bank employee.

Consents to the use of the prospectus

The Kreis-Sparkasse Northeim has obtained the requisite approvals for the utilisation of prospectuses for all securities offered by it, in accordance with Article 5, paragraph 1, subparagraph 2 of the Prospectus Regulation (PVO). The prospectuses will be used in accordance with the stipulations to which any consent is subject.

Information on the right of withdrawal in the event of a supplement to the securities prospectus

If you have purchased or subscribed to a security and the relevant securities prospectus is the subject of a supplement, you may be entitled to a right of withdrawal, as stipulated in Article 23 of the EU Prospectus Regulation. 

Exclusion of legally binding declarations and statements / Confidentiality

Legally binding statements and declarations, such as transfers, securities orders, card blocks and direct debit entries, cannot be made through email. Such statements and declarations must be made via %(product.400.p_name)%, by telephone or by conventional means. This stipulation, however, does not apply to the revocation of contractual declarations if statutory provisions or the contractual forms regarding your savings bank account also encompass provisions for such revocation in text form (e.g., email).

The confidentiality of any data transmitted via email cannot be guaranteed unless it is sent from a website that is clearly marked as secure.

Target audience of this website

This website is intended for individuals residing in the Federal Republic of Germany. The place of performance for all services arising from contracts concluded with the savings bank is the savings bank’s registered office. The legal framework governing these transactions is exclusively that of the Federal Republic of Germany.

Copyright

It should be noted that the content and structure of this website are protected by copyright. The reproduction of information or data, in particular the use of texts, parts of texts or images, requires prior consent. The user is only authorised to use the content for personal use within the limits of the functionalities offered. The user does not acquire any rights to the content or programmes. Where software is offered for download, the user’s right of use is limited to personal use in connection with the use of the website.

Links to the Internet pages of your savings bank are only permitted with prior consent. Your savings bank does not accept any responsibility for the content of or any connection to third-party websites, nor for any representation that may be found on them.

Trademarks and logos

The trademarks and logos used on this website are protected. The use of these trademarks or logos without prior consent is prohibited.

In this section, you will find the current price list and the list of prices and services as well as other basic information about %(institute.name)% in PDF format. In order to view, save or print PDF files, you will need a programme that can open them. For example, Adobe Reader, which you can download free of charge from Adobe.

Application procedure

This website provides you with detailed information and decision-making tools, as well as the opportunity to apply online. There are up to three different ways to apply. You can choose, depending on the product, between PIN/TAN, email and printed application. You can decide which method you want to use. See below for more information on the application process.

PIN/TAN

To use the PIN/TAN procedure, you must be an online banking customer. The procedure begins by directing you to the online banking homepage. You will need to authenticate yourself by entering your login name and PIN on the start page. Then, you must complete the relevant application form online. Once you have entered your application details, they will be displayed again on an overview page for you to review. Afterwards, please confirm the application data by entering the requested TAN.

E-Mail

For this procedure, the first step is to complete the application form online. The information you enter will be displayed on an overview page for you to check. Then send the application details to your bank by email.

Printing

For this procedure, please first complete the relevant application form online. After you have entered the application data, the form will then be displayed once more in a print preview, allowing you to check the data. The application should then be printed and sent via post or fax.

Declaration of acceptance

The contract is concluded when you receive a declaration of acceptance from the savings bank. However, it should be noted that this does not apply in instances where additional formal requirements require your personal signature.

Checking for errors

The customer details are checked online for completeness and accuracy. In addition, an overview of the application data is provided for such purposes, allowing corrections to be made if necessary.

Encryption of the application data

All application data is transmitted securely via the Internet. In order to facilitate this process, the savings bank’s employs a transmission method based on the SSL protocol. The utilisation of the SSL protocol ensures that all data traffic between the user’s browser and the savings bank server is encrypted, thereby safeguarding the confidentiality of the transmitted data from unauthorised access by third parties.

Storage of the application data

The application data is stored in electronic form by your savings bank. You will also receive a copy of your contracts. You may view these data upon request.

Languages

The application documents are available in German.

Savings banks do not prioritise profit maximisation. Consequently, they tend to avoid taking on excessive risks. However, the possibility of an institution experiencing financial difficulties cannot be completely ruled out. To mitigate these risks, the Savings Banks Finance Group has established a comprehensive protection system. This scheme is recognised as a deposit protection scheme under the German Deposit Protection Act (EinSiG) since 3 July 2015.

Strong joint liability scheme

The system consists of 13 protection facilities:

• the 11 savings bank support funds of the regional savings bank and giro associations,
  
• the security fund of the Regional Building Societies and
  
• the security reserve of the State Banks and clearing houses.
  

Since the protection system was established in the 1970s, no member institution has become insolvent. No customer of the Savings Banks Finance Group has ever lost deposits or the interest due on them.

Implementation of the EU Directive

The Deposit Protection Act (EinSiG) came into force in Germany on 3 July 2015. The Act implements the relevant EU Directive. The Savings Banks Finance Group has adapted its protection scheme to these legal requirements. And it has been recognised as a deposit protection scheme under the EinSiG.

Voluntary institutional protection scheme

The primary objective of the protection scheme is to safeguard the interests of member institutions and to avert potential or existing economic challenges. This approach aims to prevent deposit protection cases and maintain business relationships with customers in accordance with contractual agreements.

Statutory deposit protection

The institution-related protection scheme of the Savings Banks Finance Group is officially recognised as a deposit protection scheme in accordance with the EinSiG. Under the terms of the scheme, customers are entitled to a reimbursement of their deposits up to a value of €100,000. The specifics of this arrangement are governed by the provisions of the EinSiG.

Emergency plan pursuant to Article 28, paragraph 2 of the Benchmark Regulation (BMR)

In accordance with Article 28, paragraph 2 of the Benchmark Regulation (EU) 2016/1011, Kreis-Sparkasse Northeim has a robust written plan in the event that a reference value used ceases to apply or changes significantly.