Imprint
Provider identification pursuant to § 5 ECG, § 25 MedienG and § 14 UGB.
Media owner and service provider: FA – FinanzAktiv e.U., owner Christian Kunz, MBA.
Registered seat: Klagenfurt am Wörthersee.
Address: Getreidegasse 3, 9020 Klagenfurt am Wörthersee, Austria.
E-Mail: office@kreditdirekt.at
Telephone: +43 650 9033600
Call-back service: As a further, direct channel of communication we offer a staffed call-back service. Open it via the telephone icon in the header of every page on https://kreditdirekt.at, leave your telephone number and preferred time slot, and we will call you back personally.
Commercial register number: FN 322235 a, commercial register court: Landesgericht Klagenfurt.
VAT ID: ATU66310066.
Trade licence: Gewerbliche Vermögensberatung (regulated Austrian trade for asset and finance intermediation) with the authorisations to broker life and accident insurance as an insurance agent. Authorisation to broker personal and mortgage loans as a non-tied credit intermediary.
Registration: GISA number 10720516 — the entry is available online in the Austrian trade information system. Direct enquiry: https://www.gisa.gv.at/abfrage
Supervisory authority: Magistrat der Stadt Klagenfurt.
Chamber membership: Wirtschaftskammer Kärnten (Austrian Federal Economic Chamber, Carinthia), Fachgruppe Finanzdienstleister.
Professional title: Gewerblicher Vermögensberater — granted in Austria.
Applicable professional rules, available in the Austrian legal information system (ris.bka.gv.at):
- Gewerbeordnung 1994 (Austrian Trade Act): https://www.ris.bka.gv.at/GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=10007517
- Hypothekar- und Immobilienkreditgesetz (Austrian Mortgage and Real Estate Credit Act): https://www.ris.bka.gv.at/GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=20009367
- Verbraucherkreditgesetz (Austrian Consumer Credit Act): https://www.ris.bka.gv.at/GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=20006780
- Standesregeln für Kreditvermittlung (Code of Conduct for Credit Intermediation, BGBl. II No. 86/2016): https://www.ris.bka.gv.at/GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=20009514
- Standesregeln für Versicherungsvermittlung (Code of Conduct for Insurance Distribution, BGBl. II No. 162/2019): https://www.ris.bka.gv.at/GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=20010682
Scope of the platform: the KreditDirekt platform brokers mortgage and real estate loans (home financing) exclusively.
Business purpose: Gewerbliche Vermögensberatung (regulated Austrian trade) as well as brokerage of personal and mortgage loans and of life and accident insurance.
Ownership structure (§ 25 para 2 MedienG): FA – FinanzAktiv e.U. is a sole proprietorship. Christian Kunz, MBA is its sole owner and media owner (100%). No other person or company holds a stake in FA – FinanzAktiv e.U., including silent partnerships.
Editorial policy (§ 25 para 4 MedienG): kreditdirekt.at provides information about home financing in Austria — processes, terminology, required documents and costs — and offers digital tools that let prospective clients prepare their financing themselves. The content is general information and not a commitment by any bank. You will receive the pre-contractual information required by law for your specific loan in good time in the ESIS information sheet. The website also presents the services of FA – FinanzAktiv e.U. and serves to acquire clients.
Hosting: The platform is hosted in the EU (Hetzner).