{"id":13395,"date":"2020-09-11T13:00:00","date_gmt":"2020-09-11T11:00:00","guid":{"rendered":"https:\/\/saarlb.de\/footer\/legal-notice-2\/"},"modified":"2026-03-03T13:35:10","modified_gmt":"2026-03-03T12:35:10","slug":"legal-notice-2","status":"publish","type":"page","link":"https:\/\/saarlb.de\/en\/footer\/legal-notice-2\/","title":{"rendered":"Legal notice"},"content":{"rendered":"\t\t
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Legal notice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tSaarLB\u2019s Articles of Incorporation<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Version of 5 December 2001, published in the Official Gazette of Saarland on 28 December 2001, pages 2,529 to 2,535, entered into force on 1 January 2002, last amended with effect from 1 May 2023, published in the Official Gazette of Saarland No. 22 on 7 June 2023.<\/p>\n

SaarLB\u2019s Articles of Incorporation<\/a><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tSavings Banks Act (German Version)<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Savings Banks Act<\/a><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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General terms and conditions of business (german version)<\/a><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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Price and service list \/german version)<\/a><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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Glossar zu mit einem Zahlungskonto verbundenen Diensten<\/a><\/p>\n

Allgemeine Informationen zum Basiskonto nach \u00a7 30 ZKG f\u00fcr Verbraucher<\/a><\/p>\n

Antrag auf Abschluss eines Basiskontovertrags<\/a><\/p>\n

Entgeltinformation Basiskonto<\/a><\/p>\n

Entgeltinformation Privat Classic<\/a><\/p>\n

Verbraucherinformationen zur Kontenwechselhilfe<\/a><\/p>\n

Hinweis zum beauftragten Kontenwechsel\u00a0<\/a><\/p>\n

Bereitstellung der Vergleichskriterien gem\u00e4\u00df \u00a7 17 Nrn. 2 und 3 ZKG f\u00fcr Betreiber einer Vergleichswebsite<\/a><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tSettlement tax (German version)<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Freistellungsauftrag f\u00fcr Kapitalertr\u00e4ge und Antrag auf ehegatten\u00fcbergreifende\/lebenspartner\u00fcbergreifende Verlustverrechnung<\/a><\/p>\n

Erkl\u00e4rung f\u00fcr Zwecke der Abgeltungsteuer<\/a><\/p>\n

Erkl\u00e4rung zur Freistellung vom Kapitalertragsteuerabzug gem\u00e4\u00df \u00a7 43 Abs. 2 Satz 3 Nr. 2 EStG<\/a><\/p>\n

Antrag auf Einbehalt der Kirchensteuer<\/a><\/p>\n

Antrag auf Ausstellung einer Verlustbescheinigung<\/a><\/p>\n

Merkblatt Besteuerung der Eink\u00fcnfte aus Kapitalverm\u00f6gen<\/a><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tSecurity of your investment<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Customer deposits at Landesbank Saar (SaarLB, SaarLB-La Banque Franco-Allemande) and LBS Landesbausparkasse Saar are protected by the deposit insurance system of the Savings Banks Finance Group.<\/strong><\/p>\n

The task of the deposit insurance system is to avert economic difficulties at the affiliated institutions by protecting the going concern of the member institutions. The primary objective is therefore to protect these institutions, in particular to ensure their liquidity and solvency. However, this is also intended to prevent the occurrence of a deposit insurance case and to protect customers\u2019 business relationships.<\/p>\n

Since the creation of the deposit insurance system in the 1970s, no member institution has become insolvent. No customer in the Savings Banks Finance Group has yet lost deposits or the interest owed on them.
The Deposit Insurance Act (Einlagensicherungsgesetz \u2013 EinSiG) entered into force in Germany on 3 July 2015. The law implements the corresponding EU directive. The Savings Banks Finance Group has realigned its tried and tested deposit insurance system to these legal requirements. It was recognised as a deposit insurance system under the Deposit Insurance Act.<\/p>\n

1. Voluntary institutional insurance
The primary objective of the deposit insurance system is to protect the member institutions themselves and to avert imminent or existing financial difficulties. In this way, a deposit insurance case is to be avoided and the business relationship with the customer is to be continued permanently and without restriction.<\/p>\n

2. Statutory deposit insurance
If, in exceptional cases, the institutional insurance does not apply, the customer has a claim against the deposit insurance system for reimbursement of their deposits up to a maximum of EUR 100,000. The Deposit Insurance Act is authoritative for this.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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For us, your satisfaction comes first We consider it important to give you the opportunity to express criticism. We have therefore set up a Complaints Office and introduced complaint management measures.<\/p>\n

The goal of our complaint management is to ensure that customer complaints are handled appropriately and promptly. Complaints received are evaluated in order to correct recurring errors or problems. This is how we try to ensure a high level of customer satisfaction and long-term customer loyalty.
This policy provides you with an overview of the complaint handling procedure for you.<\/p>\n

Complaint principles<\/a><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tOut-of-court dispute resolution and other means of redress<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Consumer Arbitration Board at
Bundesverband \u00d6ffentlicher Banken Deutschlands (V\u00d6B)
Postfach 110272
D-10832 Berlin<\/p>\n

E-Mail:\u00a0ombudsmann@voeb-kbs.de<\/a>
Internet:\u00a0https:\/\/www.voeb.de\/was-wir-tun\/ombudsmann<\/a><\/p>\n

Further details can be found in the rules of procedure of the dispute resolution body, which will be made available on request. The Bank participates in the dispute resolution procedure at this recognised Consumer Arbitration Board.<\/p>\n

The Bank\u2019s email address is:\u00a0service@saarlb.de<\/a><\/p>\n

Information on complaints about payment service providers:<\/strong>
In the event of alleged breaches of<\/p>\n

\u2022 the German Payment Services Supervision Act (Zahlungsdiensteaufsichtsgesetz)
\u2022 Sections 675c to 676c of the German Civil Code (B\u00fcrgerliches Gesetzbuch) or
\u2022 Article 248 of the Introductory Act to the Civil Code (Einf\u00fchrungsgesetz zum B\u00fcrgerlichen Gesetzbuch)<\/p>\n

a complaint can also be lodged with the German Federal Financial Supervisory Authority (Bundesanstalt f\u00fcr Finanzdienstleistungsaufsicht).<\/p>\n

The addresses are as follows:<\/p>\n

Bundesanstalt f\u00fcr Finanzdienstleistungsaufsicht
Graurheindorfer Stra\u00dfe 108
D-53117 Bonn
and
Bundesanstalt f\u00fcr Finanzdienstleistungsaufsicht
Marie-Curie-Stra\u00dfe 24-28
D-60439 Frankfurt am Main<\/p>\n

 <\/p>\n

Extrajudicial dispute resolution<\/a><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Legal notice SaarLB\u2019s Articles of Incorporation Version of 5 December 2001, published in the Official Gazette of Saarland on 28 December 2001, pages 2,529 to 2,535, entered into force on 1 January 2002, last amended with effect from 1 May 2023, published in the Official Gazette of Saarland No. 22 on 7 June 2023. SaarLB\u2019s […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":13359,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-13395","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/13395","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/comments?post=13395"}],"version-history":[{"count":0,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/13395\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/13359"}],"wp:attachment":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/media?parent=13395"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}