Terms of Service

1. Scope and Operator

These Terms of Service govern your use of the website available at sonoag.org (the "Website"), operated by:

SONO Sterbegeld VVaG
Westring 73
46242 Bottrop
Germany
Email: support@sonoag.org

By accessing or using the Website, you agree to these Terms. If you do not agree, please discontinue use of the Website.

2. Informational Nature of This Website

The Website is operated for informational purposes only. The content published here does not constitute:

• An offer to enter into an insurance contract
• Binding insurance advice or consultation
• A contractual commitment of any kind
• Legal, financial, medical, or professional advice

Information regarding insurance products, membership terms, contribution rates, and eligibility is provided in general terms only. Individual product details are established through a separate contractual process. If you require specific advice, please contact us directly.

3. Permitted Use

You may use this Website for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Website in any way that violates applicable laws or regulations
• Transmit unsolicited commercial communications (spam) via any contact mechanism on this Website
• Attempt to gain unauthorised access to any part of the Website or its infrastructure
• Reproduce, redistribute, or repurpose content from this Website without prior written permission
• Use automated tools to scrape, crawl, or index the Website in ways that place excessive load on our servers
• Misrepresent your identity or affiliation when communicating with us via the Website

4. Intellectual Property

All content on this Website — including text, graphics, the SONO Sterbegeld VVaG name and logo, page layout, and design — is the property of SONO Sterbegeld VVaG or its licensors and is protected under German and international copyright and trade mark law.

You may view and print content from this Website for personal, non-commercial use only. Any other reproduction, redistribution, or commercial use requires our prior written consent.

Photographs used on this Website are sourced from licensed third-party providers (including Unsplash). Rights to such images remain with their respective copyright holders.

5. External Links

This Website may contain links to third-party websites. These links are provided for convenience only. SONO Sterbegeld VVaG does not endorse, control, or accept responsibility for the content or practices of any linked third-party site. Accessing linked websites is at your own risk.

6. Limitation of Liability

While we make every effort to ensure the accuracy and completeness of the information on this Website, we make no warranties, express or implied, regarding its accuracy, completeness, or fitness for any particular purpose.

To the fullest extent permitted under applicable law, SONO Sterbegeld VVaG shall not be liable for any loss or damage — including indirect, incidental, or consequential loss — arising from your use of, or inability to use, this Website or reliance on the information it contains.

Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under German law.

7. Governing Law

These Terms are governed by the laws of the Federal Republic of Germany. Any disputes arising from or in connection with these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Bottrop, Germany, to the extent permitted by law.

If you are a consumer resident in another EU member state, mandatory consumer protection provisions of your country of residence will continue to apply.

8. Changes to These Terms

We reserve the right to update these Terms at any time. The revised Terms will be posted on this page with an updated date. Continued use of the Website after such changes constitutes acceptance of the revised Terms.

9. Contact

For questions about these Terms, please contact:

SONO Sterbegeld VVaG
Westring 73, 46242 Bottrop, Germany
support@sonoag.org
+49 2041 18220