Legal Note

FBS Finance & Business Services
Irene Fuligna, registered
Business Economist (VWA)
Erkrather Straße 401
40231 Düsseldorf

Phone: + 49 (211) 16 36 50 95

HRA 22949

Consulting, design and implementation of the website

Digital Fittest | Web Design & Marketing
Koray Kip
Ludgerusstraße 52,
47179 Duisburg,




1.Limitation of liability for internal content

The content of our website has been compiled with meticulous care and to the best of our knowledge. However, we cannot assume any liability for the up-to-dateness, completeness or accuracy of any of the pages.

Pursuant to section 5 and 7, para. 1 of the TMG (Telemediengesetz – Tele Media Act by German law), we as service providers are liable for our own content on these pages in accordance with general laws. However, pursuant to sections 8 to 10 of the TMG, we as service providers are not under obligation to monitor external information provided or stored on our website. Once we have become aware of a specific infringement of the law, we will immediately remove the content in question. Any liability concerning this matter can only be assumed from the point in time at which the infringement becomes known to us.

2.Limitation of liability for external links

Our website contains links to the websites of third parties (“external links”). As the content of these websites is not under our control, we cannot assume any liability for such external content. In all cases, the provider of information of the linked websites is liable for the content and accuracy of the information provided. At the point in time when the links were placed, no infringements of the law were recognisable to us. As soon as an infringement of the law becomes known to us, we will immediately remove the link in question.


The content and works published on this website are governed by the copyright laws of Germany. Any duplication, processing, distribution or any form of utilisation beyond the scope of copyright law shall require the prior written consent of the author or authors in question. Unauthorised copying/saving of the information provided on this website is prohibited and may be subject to legal action.

This website contains a legally protected picture from Adobe Stock.

4.Data protection

A visit to our website can result in the storage on our server of information about the access (date, time, page accessed). This does not represent any analysis of personal data (e.g., name, address or e-mail address). If personal data are collected, this only occurs – to the extent possible – with the prior consent of the user of the website. Any forwarding of the data to third parties without the express consent of the user shall not take place.

We would like to expressly point out that the transmission of data via the Internet (e.g., by e-mail) can offer security vulnerabilities. It is therefore impossible to safeguard the data completely against access by third parties. We cannot assume any liability for damages arising as a result of such security vulnerabilities.

The use by third parties of all published contact details for the purpose of advertising is expressly excluded. We reserve the right to take legal steps in the case of the unsolicited sending of advertising information; e.g., by means of spam mail.


Finance & Business Services (following „FBS“), Owner Irene Fuligna as the responsible person due to Privacy
Regulation (following: “DSGVO”) deliberately of the importance to the protection of your private sphere by using the website of FBS. The protection of your personal data will be taken very serious by FBS.
That is why we inform you which personal data in which frame respectively under what conditions information will be processed. FBS informs you with this declaration of data protection due to the requirements of the Privacy Regulation about protection of your personal data by using this website, cookies, analysis tools and other applications.
I. Name and contact data of the responsible person / Data Protection Commissioner
This Data protection information is valid for the data processing by:
Finance & Business Services
Owner Irene Fuligna, registered

Erkrather Straße 401
D-40231 Düsseldorf
Phone: +49 (0)211 / 16 36 50 95

II. Collection and storage of personal data as well as kind and purpose of its use
The data protection serves the protection of personal data. Personal data are all information personal/factual, which are related to certain, or determinable person. Exemplary for this are information like name, e-mail address, address or phone number but also data of usage like the IP-address.
Usually we collect personal data about your person only from yourself. Exceptions shall be data from third
parties, with which we are already in contact, f.e. forwarding/recommendation of contact data. In addition,
other data restricted from sources (f.e. online- and offline media) will be collected.

We respect the principle of the use as earmarked of personal data and process your data only for these uses, which are explained in the Declaration of Data Protection. Your provided data will be used for this purpose:

  • Processing of your request/s
  •  Other contact reasons
  •  Customer Service
  •  Contract Close
  •  Professional Conversation
1. Visit of our Homepage
By visiting our homepage, information will be send automatically to our server by your browser on your terminal. This information will be saved temporary in a so named Log file. Information as follow are captured without any contribution of yours and saved until the automatic deletion:
  •  IP-Address of the requesting computer,
  •  Date and time of the access,
  •  Name and URL of the accessed data,
  •  Website, from where the access will be executed (Referrer-URL),
  •  Evaluation of the system security and -stability as well as
  •  on further administrative purposes.

The legal basis for the data processing is Art. 6 Abs. 1 S. 1 lit. f DSGVO. Our legitimate interest follows abovementioned purposes for data collection. Furthermore, we set cookies and use as well as analysis services. More information due to these issues will be provided hereinafter of this declaration of data protection. The data will be deleted as the purpose is reached and for that, they are not essential anymore. For providing website data, collection can be necessary when the respective session is finished.
On one hand, a collection of your data takes place to inform or contact us by e-mail address shown in our imprint.
Other data are collected automatically by visiting our website. These are mainly technical data (f.e. internet
browser, operating system or time of the page view). The collection of these data is done automatically as soon as you visit our website.
2. General Note
We have no contact form on our website. A contact is merely possible by the provided e-mail address. In this case, personal data of the user have been saved by the e-mail address
The processing of the personal data send by e-mail to us is merely served for processing details of the contact data. In the event by an e-email contact, a legitimate interest on the processing of data is given. Data, which will be provided by you in e-mails, will be processed and used exclusively for the working on your respective and concrete request. In this case, your personal data, sent to us by e-mail, have been saved.
On purpose of any contacts with us, the data processing follows Art. 6 Abs. 1 S. 1 lit. a DSGVO on basis of your voluntarily granted consent. Legal basis for the processing of your data which we received by e-mail is Art. 6 Abs. 1 lit. f DSGVO. As far as the e-mail contact focussed a contract, an additional legal basis for the processing of information is Art. 6 Abs. 1 lit. b DSGVO.
III. Transfer to third parties
Except the following a transmission of your personal data to third parties will not occur. We transmit your

personal data only to third parties, if:

  • You expresses your consent to us according to Art. 6 Abs. 1 S. 1 lit. a DSGVO,
  • The forwarding of the economical mandate accessing according to Art. 6 Abs. 1 S. 1 lit. f DSGVO is essential. As we have no reason to believe, that you have mostly a protectoral interest that we do not forward your data,
  • In the case that there is a legal obligation forwarding your data according to Art. 6 Abs. 1 S. 1 lit. c DSGVO as well as
  • Law according to Art 6 Abs. 1 S. 1 lit. b DSGVO permits this. It is essential for the completion of the contractual relationships.

Your data will be deleted as soon as they are not essential anymore, as they have reached the purpose of the survey. In case of sending your personal data by e-mail, they are not essential anymore, when the respective conversation with the user has finished. The conversation has finished, if is with respect to the circumstances clear, that the affected facts are finally clarified.
IV. Analyse-Tools / Tools by Third Parties
By visiting our website, your surf-behaviour can be evaluated statistical. This will be particularly done by cookies and by so-called analysis programmes. Cookies are text data, which will be create automatically. By visiting our homepage, they have been saved on your terminal (Laptop, Computer, Tablet, Smartphone and further more).
As far as we can judge this, cookies cannot cause any damages on your terminal; our knowledge is that they do not contain any virus, trojans or other malicious software.
The analysis of your surf-behaviour will be usually anonymous. The surf-behaviour cannot be traced back to you.
You can contradict this analysis. You can prevent it by not using certain tools. Cookies are small data packets, which will be produced from our web-server. They will be laid down on the hard disc of your computer during the communication between your computer with the web-server. You can use your right at any time refusing the cookies. If this is your desire, you can set your browser according to this unscathed the following other contestation. Please use the help function of your browser to follow details. Possibly, you cannot use the comprehensive function of our website, if you do not accept cookies
V. Google Analytics
The following tracking measure, which will be used by us are based on Art. 6 Abs. 1 S. 1 lit. f DSGVO and will be executed according to this. On one hand, we will ensure a requested layout and a continuous optimization of our website according to the tracking measure. On the other hand, we use tracking activities for a statistically record and on purpose to optimize our offers for you. These interests are entitled in sense of the previous mentioned regulations.
The data processing purposes and data categories are shown in the appropriate tracking-tools.
We use Google Analytics, a web analytics services, provided by Google Inc.
( (1600 Amphitheatre Parkway, Mountain View, CA 94043, USA;
following „Google“) on purpose of the required layout and continuous optimization of our website.
In this context, pseudonymous user profiles will be created and cookies are set. The generated information by cookies according to the use of our website, like
  •  Browser-Type/-Version,
  •  Operating System,
  •  Referrer-URL (the visited website before),
  •  Hostname of the accessing computer (IP-Address),
  •  Time of Server Request,
will be forwarded to a server by Google in the USA und information will be saved there.
Our knowledge is that these information will be used for evaluation to the website, to compile reports. Further information will be evaluated to provide services on purposes of market research and internet website design for the needs. These information will be forwarded to third parties, too, as far it is a law regulation and as far third parties process these information. According to Google, your IP-address will not be merged in any case.
The IP-addresses will be anonymous. There is no possibility of any allocation (IP-Masking). You can prevent the cookie installation due to a browser software setting. We will point out that in this case not all functions of our website are fully usable.
Furthermore you can prevent the cookie recording and due to your use of the website data which are related to you (incl. your IP-Address) as well as prevent the processing of these data by Google. For this, you need to download and install a Browser-Add-on ( The contents of external links are not in the responsibility by FBS, also not in any other form. So far, FBS is not liable for this.
The alternative to the Browser-Add-on, especially on mobile end terminal equipment due to the record by
Google-Analytics. This may prevent any records by using the below link. Herewith an Opt-out-Cookie will be set.
This can prevent in future that your data will be recorded. The Opt-out-Cookie is only valid for this browser and only for our website; and will be saved on your terminal. By deleting the cookies in this browser, you have to set the Opt-out-Cookie again. The contents of external links are not in the responsibility by FBS, also not in any other form. So far, FBS is not liable for this. Further information in relation to the protection of data with regard to Google Analytics is shown in Analytics-Help.
For this please visit (
VI. Google Maps
This website uses Google Maps API to visualize geographically information. Google also collect data by using Google Maps, process data and use data by Maps-functions, which are in use by visitors. More information concerning the procession of data by Google is shown in appropriate range of information by Google.

  •  Google-Terms of Use:
  •  Additional Terms of Use for Google Maps/Google Earth:
  •  Declaration of Data Protection by Google:

The Hyperlinks before have been updated in May 20, 2020.
VII. Your rights
You have the rights:
  •  To request information according to Art. 15 DSGVO about the processed personal data. Particularly you can request information about the processing purposes, the category due to the personal data, the category from recipients which have knowledge about your data or will have knowledge in future, the planned storage duration, the right of correction, deletion, restriction or opposition to process your personal data, there is a right of appeal, the source of your data as far as they have not been collected by us as well as the possibility of an automated based decision making including the profiling according to Art. 22 Abs. 1 und 4 DSGVO and possibly request meaningful information about the details;
  •  According to Art. 16 DSGVO you can demand immediately correction of incorrect data or completion of your personal data;
  •  According to Art. 17 DSGVO the immediately deletion of your personal data which are saved by us as far as reasons as follows are given:
  •  Personal data related to you on purposes for what we have processed them are not essential anymore;
  •  You withdraw your consent due to the processing of support according to Art. 6 Abs. 1 lit. a or Art. 9 Abs. 2 lit. a DSGVO.
  •  You lodge an objection according to Art. 21 Abs. 1 DSGVO against the processing;
  •  The data which we are related to have been unlawful processed;
  •  Deletion of personal data related to you is subject for the responsible person to fulfil the Union Right or is essential to the right of a member state;
  •  The personal data, which concerns you, have been raised in relation to offered services by the information society according to Art. 8 Abs. 1 DSGVO;
  •  And as far as the processing to exercise the right of freedom of expression and information to fulfil the legal obligation on reasons by the public interest or assert, exercise or defend claims is essential;
  •  According to Art. 20 DSGVO your personal data, provided by you, received in a structural, common and machine-readable format or demand the transmission to another responsible person;
  • According to Art. 7 Abs. 3 DSGVO you can withdraw your once given consent to us at any time. Thismeans that we are not allowed to continue processing your data in future and
  •  According to Art. 77 DSGVO to complain to a supervisory authority. You will find the contact information of the supervisory authority in our category “OTHERS”. The supervisory authority receiving the complaint informs the complainer about the state of the complaint and the results of the complaint including the possibility of a judicial remedy according to Art. 78 DSGVO.
VIII. Right of Objection
As your personal data is processed on basis of legitimate interest according to Art. 6 Abs. 1 S. 1 lit. f DSGVO you have the right to contradict according to Art. 21 DSGVO against the processing of your personal data and against direct advertising as far as there are reasons, which occur from this special situation. In the latest case you have a general right of objection which will be realized by us without any specification.
If you wish to withdrawal (withdrawal rights), an E-Mail to is sufficient.
IX. Data Security
Within the Website-visit we use the widespread SSL-procedure (Secure Socket Layer), connected by the highest encryption level, which is supported by your browser. If a single page of our internet page is secured by SSL, you can check this by the changing of the address line from “http://” auf https://. Now you see the closed key presentation respectively the lock symbol in the lower section of your browser.
By activated SSL- resp., TLS-encoding makes sure that your data will not be read by third parties.
However, we point expressly that the data transmission in the internet (f.e. concerning communication by email) can have security gaps. A gapless protection due to an unauthorized access by third parties is impossible.
X. Change of this Declaration of Data
The Declaration of data has been updated at last in May 2018. As our website and offers has been advanced relatively on basis of law regulation it can be necessary to change this declaration of data protection. Future revisions of this declaration of data will be published on our website and are valid in time of the publication. They substitute each declaration of data before.
There are no other personal data in process on our website, like a contact formula, social media-elements,
tracking and using profiles, newsletter registration or end customers-login.
The Data Inspection Inspectorate can be contacted by:
Kavalleriestr. 2-4
40213 Düsseldorf
Tel.: (0049) 211 38 42 40
We shall appreciate if you contact us at first before you report the Data Inspection Inspectorate officially. We pick up your concern thoroughly and handle it. If we cannot support, you have additionally the possibility to contact the Data Inspection Inspectorate directly.

General Terms and Conditions

General Terms and Conditions
§1 Applicability
1.1 These General Terms and Conditions contain the exclusive terms and conditions between the company Finance & Business Services, owner Irene Fuligna, registered trader, Erkrather Straße 401, 40231 Düsseldorf, Germany,—hereafter referred to as “FBS”—and the client, unless the terms and conditions are changed through written agreements between the parties. Deviating or contrary terms and conditions shall not be recognized by us unless we expressly agree to them.
1.2 The client shall be notified—by email—about any changes to these General Terms and Conditions. If the client does not object to these changes before assuming his activities, the changes shall be considered to have been recognized by him. The right to object and the legal consequences of silence shall be noted separately to the client in case of changes to these General Terms and Conditions.
§ 2 Contract Conclusion
The presentation of services by FBS shall not constitute a binding offer. Only orders for services placed by the client shall constitute binding offers in the sense of Section 145 of the German Civil Code [Bürgerliches Gesetzbuch]. In case of acceptance of an offer, FBS shall send an order confirmation to the client by email.
§ 3 Additional Terms for Project Facilitators
3.1 FBS shall also be temporarily available to the client on site on an hourly or daily basis, though the client must be located in or near Düsseldorf for this. In case of a remote agreement, the client may also be located outside of this area. Additional or reduced expenses for longer periods of time must be coordinated with FBS without delay upon learning of them.
3.2 During the duration of the project, FBS may deploy or replace qualified personnel if required for operational reasons.
3.3 FBS shall only perform current accounting. Warnings beyond a reasonable limit and sorting out of old account balances shall not be provided. Likewise, FBS’s owner shall not perform so-called unqualified administrative tasks (copying, filing, scanning, etc.) to a large extent; following an according agreement, FBS shall provide appropriate personnel.
3.4 If the services performed by FBS differ significantly from the agreed service description, FBS may raise its prices accordingly. Agreed hourly rates shall apply exclusively to detailed written requests. Other services may not exceed 10% of the total number of agreed hours.
3.5 Prior to the conclusion of a contract, a sample copy must be submitted to FBS. FBS reserves the right to refuse the contract, especially if the contents of the contract seek to establish an employment relationship.
3.6 Projects may only be extended with prior coordination with and the approval of FBS. Projects may not be unilaterally extended by the project facilitator. Should an extension be desired for a project,  FBS must be notified of this at least two weeks prior to the completion of the respective project.
3.7 FBS shall act in its own name towards the client. If agreed, the project facilitator may be named.
3.8 In accordance with § 6 of these General Terms and Conditions, invoices must be paid by the project facilitator. This shall apply irrespective of any payment default by the client.
3.9 FBS’s mere submission of a service description shall not authorize the project facilitator to block the respective client for FBS. This shall apply irrespective of whether the companies were already contacted by FBS. One-year commercial agent bans for clients served by FBS shall remain unaffected. These ban periods of the company shall expressly not apply to ban periods for suppliers or clients.
3.10 Should mobile communications services be disrupted during the implementation of a project and should FBS be permanently unable to receive mobile communications signals, FBS shall offer remote access if the client provides and grants access to equipment (laptop) as needed. 
§ 4 Service Description
4.1 FBS shall perform its services as described in the service description. FBS shall notify the client without delay if it becomes foreseeable that the services cannot be performed within the scheduled time.
4.2 FBS shall perform its services on the basis of the documents provided by the client. FBS shall base its processing of an order on the facts, especially figures, stated by the client. If the client discovers any inaccuracies during the implementation of the order, he must report these to FBS without delay. An assessment of the accuracy, completeness and appropriateness of the submitted documents and figures shall only be part of the contract if agreed to between the parties separately and in writing beforehand. FBS may not represent the client before authorities, courts or other bodies. Contrary regulations shall require FBS’s written issuance and approval.
4.3 The client must fulfill his cooperation obligations and meet any defined deadlines for providing documents and/or approvals—’four-eyes principle’—, especially for the allocation of invoices needed by FBS to perform its services and/or that are legally required. Should the client fail to fulfill these obligations despite being granted a grace period, FBS may terminate the contract in accordance with these General Terms and Conditions.
§ 5 Guarantee
5.1 If the provided work output is not sufficient, FBS shall have the right to first provide a replacement or rectification. Should rectification fail twice, the client may demand a fee reduction, terminate the order or claim damage compensation.
5.2 Following an orderly inspection and assessment of obvious insufficiencies of the work output provided by FBS, the client must submit his objections within 7 business days of his receipt of the work output.
§ 6 Remuneration / Invoicing
6.1 The detailed description and the remuneration shall be agreed to specifically as part of the order confirmation. Remuneration may either be agreed to be charged as a fixed price or by the time expended. Should remuneration be agreed based on the time expended, the hourly rates agreed to in the order confirmation shall apply.
6.2 Travel costs for FBS deployments to the client shall be €40/day of travel or included as a fixed rate
in the remuneration.
6.3 FBS shall submit its invoices monthly or by project. For this, FBS shall prepare a detailed invoice. Orderly invoices shall become due without deductions within 10 days of their receipt. Deviating
regulations may be agreed to in writing beforehand. Project facilitators may use the credit note procedure. FBS may demand advance payments from the client. The amount of advance payments to be provided shall be stated in the order confirmation and shall become due immediately. FBS notes that, in case of an advance payment, order implementation can only begin after the agreed advance payment is received.
6.4 All amounts in 6.1 – 6.3 shall be net amounts plus VAT.
§ 7 Confidentiality
7.1 FBS shall uphold data secrecy under Section 5 of the German Federal Data Protection Act [Bundesdatenschutzgesetz] and treat any business or operational secrets of the other party of which FBS obtains knowledge confidentially, maintain secrecy towards third parties and shall only use them for expressly agreed purposes. This shall apply to information of any kind received by the parties directly or indirectly in oral, written, electronic or other form on and any correspondence related to the order.
However, this obligation shall not apply to information that demonstrably
a) was in possession of the parties at the time of disclosure and was not acquired directly or indirectly or
b) was or became general public knowledge without violating this agreement or
c) was acquired by the parties from third parties before or after entering into and without violating these obligations or
d) must be disclosed by the recipient party due to legal or official requirements.
Even in case of the exceptions under a) to d), the parties shall not disclose the relationship between the information coming from the parties and the information subject to these exceptions to third parties. The same shall apply to information known in sum or in combination if it includes specific partial information subject to confidentiality.
The parties shall only disclose confidential information to persons directly related to the tasks of the object of the contract and who shall be subjected to confidentiality obligations in accordance with Section 5 of the German Federal Data Protection Act. The parties shall do anything in their power to ensure adherence to these confidentiality obligations. Furthermore, the parties may not provide mutually received information to third parties, except with the prior written permission of the respective other party. The client shall already hereby agree that FBS may — if required — provide confidential information to clients in the sense of this contract. In case of such permission, the parties must subject any third parties who shall receive such information to the same confidentiality obligations.
7.2 This agreement shall be binding for the parties and their respective legal successors and shall apply
beyond the expiration of the contractual relationship. Confidentiality obligations shall end one year after the disclosure of the information, though no later than two years after contract conclusion.
§ 8 Subcontractors
FBS shall be permitted to commission subcontractors. FBS must ensure that any subcontractors are able to fulfill their obligations towards the client, especially regarding maintaining confidentiality, particularly over operational secrets.
§ 9 Contract Duration and Termination
9.1 Unless resulting otherwise from the order confirmation, the contract shall last until its expiration date agreed to in writing or its completion.
9.2 The contract may be terminated by either side with a two-week notice period. Furthermore, this contract may be terminated by either party immediately in case of an important reason. In case of termination without notice by FBS, FBS shall notify the client about the state of order completion.
§ 10 Document Storage and Return
The client must properly store any business and operational documents provided by FBS. The client must pick up the provided documents from FBS on the client’s request without solicitation during the duration of the contract.
§ 11 Work Location
If the client requests order performance on site, the client must provide a clean and quiet working space to FBS. Otherwise and as far as possible, FBS shall reserve the right to execute the order from its office.
§ 12 Privacy
12.1 We shall only use personal data disclosed by the client in accordance with German privacy law regulations.
12.2 If required for the establishment or content specifications of or changes to the contractual relationship, personal data of the client (inventory data) shall only be used for the implementation of the contracts concluded between the parties.
§ 13 Liability Limitation
FBS shall be liable for intent and gross negligence. In addition, FBS shall be liable for negligent breaches of duty on whose fulfillment orderly contract implementation depends, whose violation threatens the achievement of the contract aim and on whose adherence the client may regularly rely. However, in latter the case, FBS shall only be liable for foreseeable damages typical to the contract. FBS shall not be liable for simply negligent breaches of duties other than those specified above.
This liability exclusion shall not apply to injuries to life, the body or one’s health.
§ 14 Final Provisions
14.1 Changes and additions to these General Terms and Conditions must be issued in writing. Oral side agreements do not exist.
14.2 The law of the Federal Republic of Germany shall apply.
14.3 The place of fulfillment and exclusive place of jurisdiction for any disputes that may arise from or in relation to the contract shall be Düsseldorf.
14.4 Should individual regulations of the contract prove to be invalid or contrary to statutory regulations, the validity of the contract as a whole shall remain unaffected. The contract parties shall mutually replace the invalid regulation with a legally valid regulation that most closely approximates the economic aims and purpose of the invalid regulation. This shall apply accordingly to regulatory gaps.
These General Terms and Conditions shall apply to
Finance & Business Services
Owner: Ms. Irene Fuligna, registered trader
Business Administration Graduate (VWA)
Erkrather Straße 401
40231 Düsseldorf

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