Withdraw from contract

Withdrawal information for the brokerage contract

This information concerns the brokerage contract you conclude with FA – FinanzAktiv e.U. — not the later credit agreement with the bank. Separate rights apply to that agreement (see below).

• Right of withdrawal: you may withdraw the declaration aimed at concluding the brokerage contract within 14 calendar days without giving reasons (§ 8 FernFinG; for contracts concluded from 1 October 2026 § 18b FAGG as amended by VerbRÄG 2026, BGBl. I Nr. 59/2026).
• Start of the period: the period starts on the day the contract is concluded; if you receive the contract terms and the statutory information later, it starts when you receive them.
• How to withdraw: most simply via the “Withdraw from contract” button available at the bottom of every page (kreditdirekt.at/en/widerruf). If you use this online function, we send you by email, without delay, a confirmation of receipt stating the content of your declaration of withdrawal as well as the date and time it was received. An unambiguous declaration in text form (e.g. by email to office@kreditdirekt.at) to FA – FinanzAktiv e.U., Getreidegasse 3, 9020 Klagenfurt am Wörthersee, telephone +43 650 9033600, is equally sufficient; you may use the model withdrawal form for this (kreditdirekt.at/en/widerruf/formular), but you do not have to. Timely dispatch suffices.
• Starting the brokerage early: within the 14 days the brokerage work only begins if you expressly request it; you make that request in a separate step and it is recorded with the time and the text version. That request is not a general waiver of your right of withdrawal. Your right of withdrawal may, however, lapse once the brokerage contract has been fully performed by both parties at your express request (§ 10 Z 3 FernFinG; for contracts concluded from 1 October 2026 § 18b Abs. 5 Z 3 FAGG).
• Consequences: in the event of withdrawal, services received are reversed; data releases already granted do not take effect retroactively. If you withdraw before a credit agreement has come about, you owe no payment — our remuneration is success-based only and arises solely once the credit agreement is concluded.
• Reminder: between one and seven days after the contract is concluded we will remind you by email of this right of withdrawal and of the procedure.
• Separately — your rights regarding the credit agreement: the lender is bound by its offer for at least 7 days, giving you time to review it (§ 12 HIKrG). You may withdraw from the credit agreement itself within two business days of receiving the ESIS information sheet and the withdrawal information, without giving reasons (§ 13 HIKrG). These rights exist in addition to the right of withdrawal above.