{"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":"2026-06-12T09:46:06","modified_gmt":"2026-06-12T07:46:06","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<div data-elementor-type=\"wp-page\" data-elementor-id=\"13395\" class=\"elementor elementor-13395 elementor-1726\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b0956c6 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b0956c6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6c59910\" data-id=\"6c59910\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f65ea65\" data-id=\"f65ea65\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e79198 elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"5e79198\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-26de0641 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"26de0641\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-741f1003\" data-id=\"741f1003\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2747ea1 elementor-widget elementor-widget-spacer\" data-id=\"2747ea1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5596fcd elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5596fcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-edb707e elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"edb707e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f806432\" data-id=\"f806432\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64e548e elementor-widget elementor-widget-toggle\" data-id=\"64e548e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1051\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1051\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/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\t<a class=\"elementor-toggle-title\" tabindex=\"0\">SaarLB\u2019s Articles of Incorporation<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1051\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1051\"><p>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<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2026\/05\/2026-03-26-Satzung_D.pdf\" target=\"_blank\" rel=\"noopener\">SaarLB\u2019s Articles of Incorporation <\/a><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1052\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1052\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/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\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Savings Banks Act (German Version)<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1052\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1052\"><p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/12\/AGB_DE_20251208.pdf\">Savings Banks Act (German Version)<\/a><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1053\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1053\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/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\t<a class=\"elementor-toggle-title\" tabindex=\"0\">General terms and conditions of business<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1053\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1053\"><p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2021\/01\/Sparkassengesetz.pdf\">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<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1054\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1054\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/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\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Price and service list<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1054\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1054\"><p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2026\/05\/PuLV_dt_gesamt-ab-02.2026.pdf\" target=\"_blank\" rel=\"noopener\">Price and service list<\/a><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1055\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1055\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/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\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Information about the Basic Account and Private Classic (German version)<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1055\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1055\"><p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2024\/03\/101-540-000-Glossar-zu-einem-Zahlungskonto-verbundenen-Diensten_10-2018-V1-2.pdf\">Glossar zu mit einem Zahlungskonto verbundenen Diensten<\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Allgemeine-Informationen-zum-Basiskonto-nach-\u00a7-30-ZKG-fuer-Verbraucher.pdf\">Allgemeine Informationen zum Basiskonto nach \u00a7 30 ZKG f\u00fcr Verbraucher<\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Antrag-auf-Abschluss-eines-Basiskontovertrags.pdf\">Antrag auf Abschluss eines Basiskontovertrags<\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Entgeltinformation-Basiskonto.pdf\">Entgeltinformation Basiskonto<\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Entgeltinformation-Privat-Classic.pdf\">Entgeltinformation Privat Classic<\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Verbraucherinformationen-zur-Kontenwechselhilfe.pdf\">Verbraucherinformationen zur Kontenwechselhilfe<\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2022\/01\/103-000-130_2016-09.pdf\">Hinweis zum beauftragten Kontenwechsel <\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Bereitstellung-der-Vergleichskriterien-gemaess-\u00a7-17-Nrn.-2-und-3-ZKG-fuer-Betreiber-einer-Vergleichswebsite.pdf\">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<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1056\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1056\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/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\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Settlement tax (German version)<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1056\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1056\"><p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2021\/02\/Freistellungsauftrag_fuer_Kapitalertraege.pdf\">Freistellungsauftrag f\u00fcr Kapitalertr\u00e4ge und Antrag auf ehegatten\u00fcbergreifende\/lebenspartner\u00fcbergreifende Verlustverrechnung<\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2021\/02\/Erklaerung_fuer_Zwecke_der_Abgeltungssteuer..pdf\">Erkl\u00e4rung f\u00fcr Zwecke der Abgeltungsteuer<\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2021\/02\/Erklaerung_zur_Freistellung_vom_Kapitalsteuerabzug.pdf\">Erkl\u00e4rung zur Freistellung vom Kapitalertragsteuerabzug gem\u00e4\u00df \u00a7 43 Abs. 2 Satz 3 Nr. 2 EStG <\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2021\/02\/Antrag_auf_Einbehalt_der_Kirchensteuer.pdf\">Antrag auf Einbehalt der Kirchensteuer<\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2021\/02\/Antrag_auf_Ausstellung_einer_Verlustbescheinigung.pdf\">Antrag auf Ausstellung einer Verlustbescheinigung<\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2021\/02\/166.400.000x.pdf\">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<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1057\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1057\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/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\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Security of your investment<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1057\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1057\"><p><strong>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<p>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<p>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.<br \/>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<p>1. Voluntary institutional insurance<br \/>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<p>2. Statutory deposit insurance<br \/>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<p><a href=\"https:\/\/www.dsgv.de\/sparkassen-finanzgruppe\/sicherungssystem.html\" rel=\"nofollow noopener\" target=\"_blank\">About the Sparkassenfinanzgruppe\u2019s deposit guarantee scheme<\/a><\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/10\/2024-11-11-DSV-182-164-300_Informationsbogen-Deutsch_rec-Nr.-162-23_j.pdf\">Information sheet for contributors<\/a><\/p>\n<p>(Please use Acrobat Reader to open this document.)<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1058\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1058\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/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\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Complaint management policy of SaarLB<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1058\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1058\"><p>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.<br \/>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.<br \/>This policy provides you with an overview of the complaint handling procedure for you.     <\/p>\n<p>These <a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2024\/08\/2024-07-08-rec-Nr.-57-24_Beschwerdemanagement-Grundsaetze-SaarLB-EN.pdf\" target=\"_blank\" rel=\"noopener\">complaint management principles<\/a> provide an overview of the process for handling your complaints.<\/p>\n<p><strong>Complaints Handling Procedure<\/strong><br \/>All (potential) customers \u2013 for example, individuals, organisations or businesses \u2013 who are affected by a service or business activity of SaarLB may lodge a complaint.<br \/>SaarLB\u2019s Complaints Office is responsible for handling complaints. You may submit complaints to SaarLB electronically, in writing or verbally.<br \/>Complaints submitted electronically can be sent to the email address <a href=\"mailto:Beschwerdemanagement@saarlb.de\">Beschwerdemanagement@saarlb.de.<\/a> <\/p>\n<p>For written complaints, please contact:<br \/>SaarLB<br \/>Vorstandsstab<br \/>Beschwerdemanagement<br \/>Ursulinenstra\u00dfe 2<br \/>66111 Saarbr\u00fccken<\/p>\n<p>In order to process your complaint, we require the following information:<\/p>\n<ul>\n<li>Your full contact details (address, telephone number and, if applicable, email address);<\/li>\n<li>Description of the facts;<\/li>\n<li>A clear statement of the complaint or an explanation of what the complainant hopes to achieve (for example, rectification of an error, improvement of services, or resolution of a disagreement);<\/li>\n<li>Copies of the documents required to understand the matter (where available);<\/li>\n<li>if you are contacting us on behalf of another person, proof that you are authorised to act on their behalf.<\/li>\n<\/ul>\n<p>We will always send you confirmation that we have received your complaint. If we are able to resolve the matter promptly, you will receive a response in place of the confirmation of receipt. Depending on the complexity of the complaint, we will respond within a reasonable timeframe after receiving it. If we do not fully uphold your complaint, we will provide you with a clear explanation of our decision.   <\/p>\n<p>Unfortunately, there are times when we are unable to find a satisfactory solution for you. In such cases, you may submit your complaint to the relevant consumer arbitration board.<br \/>In the event of a dispute with SaarLB, you may contact the arbitration board of the Federal Association of German Public Banks (V\u00d6B).<br \/>Please send your complaint in writing to the following address: <\/p>\n<p>Verbraucherschlichtungsstelle beim<br \/>Bundesverband \u00d6ffentlicher Banken Deutschlands, V\u00d6B<br \/>Postfach 11 02 72<br \/>10832 Berlin<br \/>Email: <a href=\"mailto:ombudsmann@voeb-kbs.de\">ombudsmann@voeb-kbs.de<\/a><br \/>Internet: <a href=\"https:\/\/www.voeb.de\/was-wir-tun\/ombudsmann\/\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/www.voeb.de\/was-wir-tun\/ombudsmann\/<\/a><\/p>\n<p>Further details are set out in the rules of procedure of the arbitration board, which will be provided on request. SaarLB participates in the dispute resolution procedure administered by this recognised consumer arbitration board. <\/p>\n<p>You also have the option of lodging a complaint with the Federal Financial Supervisory Authority, provided that your complaint concerns an alleged breach of regulations which the Authority is responsible for enforcing.<\/p>\n<p><strong>Other information<\/strong><br \/>(1) There is no charge for handling complaints.<br \/>(2) These principles are reviewed at regular intervals.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1059\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1059\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/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\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Out-of-court dispute resolution and other means of redress<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1059\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1059\"><p>In the event of a dispute with SaarLB, you may contact the arbitration board of the Federal Association of German Public Banks (V\u00d6B, e. V.).<\/p>\n<p><strong>Verbraucherschlichtungsstelle <\/strong>beim<br \/>Bundesverband \u00d6ffentlicher Banken Deutschlands (V\u00d6B)<br \/>Postfach 110272<br \/>D-10832 Berlin<\/p>\n<p>E-Mail: <a href=\"mailto:ombudsmann@voeb-kbs.de\">ombudsmann@voeb-kbs.de<\/a><br \/>Internet: <a href=\"https:\/\/www.voeb.de\/was-wir-tun\/ombudsmann\" rel=\"nofollow noopener\" target=\"_blank\">https:\/\/www.voeb.de\/was-wir-tun\/ombudsmann<\/a><\/p>\n<p>Further details are set out in the rules of procedure of the arbitration board, which will be provided on request. The Bank participates in the dispute resolution proceedings before this recognised consumer arbitration board. <\/p>\n<p>The bank&#8217;s email address is: <a class=\"mail\" href=\"mailto:service@saarlb.de\">service@saarlb.de<\/a><\/p>\n<p><strong>Information regarding complaints about payment service providers:<\/strong><br \/>In the event of alleged breaches of<\/p>\n<ul>\n<li>the Payment Services Supervision Act<\/li>\n<li>sections 675c to 676c of the Civil Code or<\/li>\n<li>Section 248 of the Introductory Act to the Civil Code<\/li>\n<\/ul>\n<p>A complaint may also be lodged with the Federal Financial Supervisory Authority.<\/p>\n<p>The addresses are:<br \/>Bundesanstalt f\u00fcr Finanzdienstleistungsaufsicht<br \/>Graurheindorfer Stra\u00dfe 108<br \/>D-53117 Bonn<br \/>und<br \/>Bundesanstalt f\u00fcr Finanzdienstleistungsaufsicht<br \/>Marie-Curie-Stra\u00dfe 24-28<br \/>D-60439 Frankfurt am Main<\/p>\n<p><a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/rec-Nr.-213-25_Beschwerdemanagement_clean.pdf\">Information regarding the possibility of out-of-court 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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4799baf0 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"4799baf0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-544a8a3\" data-id=\"544a8a3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2596ae43 elementor-widget elementor-widget-image\" data-id=\"2596ae43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2020\/09\/weitsicht_durch_naehe_titling.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/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":2,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/13395\/revisions"}],"predecessor-version":[{"id":47408,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/13395\/revisions\/47408"}],"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}]}}