Terms and Conditions (AGB)

1. Scope of Services

The activities include the advisory and brokerage services for insurance products, financial instruments, and loans in accordance with the existing business licenses of Laurin Halada, sole proprietorship (e.U.).

The brokerage of financial instruments (such as investment funds, ETFs, and portfolio management solutions) is carried out exclusively in the name and on behalf of MFC Service GmbH, Schottenring 16/2/41, 1010 Vienna.

Laurin Halada acts as a tied agent pursuant to § 36 of the Austrian Securities Supervision Act (WAG 2018) and does not provide investment services in his own name, but under the liability umbrella of MFC Service GmbH.

MFC Service GmbH is an investment firm and is supervised by the Financial Market Authority (FMA), Otto-Wagner-Platz 5, 1090 Vienna.

2. No Legal or Tax Advice

The information provided within the advisory process does not constitute legal or tax advice and cannot replace such services. For legal or tax matters, clients are advised to consult a qualified attorney or tax advisor.

3. Remuneration

Remuneration is generally provided through commissions paid by the respective product providers and is usually already included in the premiums or product costs. No additional costs arise for clients unless explicitly agreed otherwise in advance on a case-by-case basis.

4. Liability

Laurin Halada is liable only in cases of gross negligence or intent. Liability for slight negligence is excluded to the extent permitted by law.

For investment services, MFC Service GmbH bears the regulatory responsibility as the investment firm pursuant to WAG 2018.

5. Communication

Communication with clients may take place in person, by telephone, in writing, or electronically (e.g., email, online meetings, messaging services). The client agrees to the use of these communication channels unless mandatory legal provisions prevent this.

6. Place of Jurisdiction

Where legally permissible, the agreed place of jurisdiction is Vienna.

7. Applicable Law

The business relationship and these Terms and Conditions are governed exclusively by Austrian law, excluding its conflict-of-law rules.