Data Protection

Privacy statement

General information

We respect your wishes with regard to the protection of personal data and treat your personal data confidentially on the basis of this data protection declaration and within the framework of statutory data protection regulations.

As a rule, our website can be used without providing personal data. Insofar as personal data (e.g. name, address or e-mail addresses) is collected on our pages, this is always done on a voluntary basis as far as possible. This data will not be passed on to third parties without your express consent.

We have taken precautions to secure our systems and to transmit the data transmitted e.g. via the contact form in a protected manner. The transmission of data is encrypted using the SSL protocol (Secure Socket Layer). The SSL-encrypted website can be recognised in the browser by the corresponding symbol or in the URL by the HTTPS protocol (https://www.gracher.de …).

Personal data

Personal data are individual details about natural persons who allow conclusions to be drawn about their personal, economic or other circumstances. This includes, for example, address and availability data.

This does not include information that cannot be directly linked to your real identity.

All categories contained in the publicly accessible area of our website can be visited. User authentication is not required. An exception to this is – if a corresponding form is or was online – registration with one of our personalised services, where we request the name and other personal information. Without this information, we will not be able to provide these services. Data entry is therefore voluntary, but required for registration. All personal data provided by you will be treated in accordance with the applicable data protection laws. The data will be processed exclusively for the specific purpose. The data will not be passed on to third parties. Exceptions exist where it is necessary to pass on the data in order to process your enquiries – especially in the case of contracts.

Cookies

Some of the Internet pages use so-called cookies. Cookies do not damage your computer and do not contain viruses. Cookies serve to make our offer more user-friendly, more effective and safer. Cookies are small text files that are stored on your computer and administered by your browser.

Most of the cookies we use are so-called “session cookies”. They are automatically deleted at the end of your visit. Other cookies remain stored on your terminal until they are deleted manually or automatically. Cookies enable us to recognize your browser during your next visit.

You can set your browser so that you are informed about the setting of cookies and only allow cookies in individual cases, accept cookies for certain cases or generally exclude them and activate the automatic deletion of cookies when closing the browser. If cookies are deactivated, the functionality of this website may be restricted.

Further information on cookies can be found in our cookie policies.

Server log files

The provider of the pages automatically collects and stores information in so-called server log files, which your browser automatically transmits.

These are: Browser type/ browser version, information about the operating system used, referrer URL, host name of the accessing computer, as well as the time of the server inquiry

These data cannot be assigned to specific persons. This data will not be merged with other data sources. We reserve the right to subsequently check this data if we become aware of concrete indications of illegal use.

Google Analytics

Our websites use Google Analytics, a web analysis service of Google Inc. “(“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage.

Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above”.

Contact form

If you send us inquiries by contact form, by fax or by other contact possibilities, your data including the contact data indicated by you are stored and used for the purpose of the treatment of the inquiry and for the case of follow-up questions with us. The processing of your inquiry requires your consent to the processing. We reserve the right to check the information provided by you. These data will not be passed on to third parties without your consent.

Transmission, storage and processing of data

We store, process and use general and personal data in the context of an inquiry, a business relationship, contracts or legal regulations such as retention periods. The storage and processing takes place exclusively on secured IT systems with limited access.

Consent to data protection

Your consent to data protection is required in order to process and answer enquiries on the website. Consent is also required to process data during the duration of a business relationship or during the term of contracts. The consent can be revoked. The revocation can be made in writing or via contact form and must contain unambiguous information. In order to avoid misuse, consent and revocation will be checked by us. The consent of persons under the age of 16 living in Germany is invalid without the consent of a parent or legal guardian.

Newsletter

Notes on the Newsletter and Consents

The following information will inform you about the contents of our newsletter as well as the registration, dispatch and statistical evaluation procedures and your rights of objection. By subscribing to our newsletter, you declare your agreement with the receipt and the described procedures.

Content of the newsletter

We send newsletters, e-mails and other electronic notifications containing advertising information (hereinafter referred to as “newsletters”) only with the consent of the recipient or a legal permission. If the contents of the newsletter are specifically described within the scope of registration, they are decisive for the consent of the user. In addition, our newsletters contain information on topics relating to client knowledge and law firm management.

Double opt-in and logging

The registration to our newsletter takes place in a so-called Double-Opt-In procedure. This means that you will receive an e-mail after your registration in which you will be asked to confirm your registration. This confirmation is necessary so that nobody can register with external e-mail addresses.

The registrations for the newsletter are logged in order to be able to prove the registration process according to the legal requirements. This includes the storage of the registration and confirmation time, as well as the IP address. Also the changes of your data stored at Cleverreach will be logged.

Deployment of the “Cleverreach” electronic mailing service provider

The newsletter is sent via “Cleverreach”, a newsletter mailing platform of the

CleverReach GmbH & Co. KG,
Mühlenstr. 43
26180 Rastede
Germany

The e-mail addresses of our newsletter recipients, as well as their other data described in this notice, are stored on Cleverreach’s servers in Europe. Cleverreach uses this information to send and evaluate the newsletter on our behalf. Furthermore, Cleverreach may, according to its own information, use this data to optimise or improve its own services, e.g. for the technical optimisation of the dispatch and presentation of the newsletter or for economic purposes in order to determine from which countries the recipients come. However, Cleverreach does not use the data of our newsletter recipients to write to them or pass them on to third parties.

We trust in the reliability and IT and data security of Cleverreach. Furthermore, we have concluded a written agreement with Cleverreach on data processing. This is a contract in which Cleverreach undertakes to protect the data of our users, to process it on our behalf in accordance with their data protection regulations and, in particular, not to pass it on to third parties”.

Modification, information, deletion, blocking

You can revoke your consent to the transfer of data at any time. From this point on, you will not receive any advertising or newsletters by e-mail from us. In addition, you have the right at any time to free information about your stored personal data, their origin and recipient and the purpose of data processing. You also have the right to have your personal data corrected or deleted.

According to the respective procedure and appropriately we check your legitimation or your data for corrections of your personal data.

You can contact us at any time at the address given in the imprint or via the contact form for further questions on the subject of personal data. Please understand that we only provide information to undoubtedly authorised persons. Changes can also only be made by authorized persons in person. The modification of the personal data, their use, storage and transmission will be implemented promptly after positive review, provided that modifications of the data are not restricted – such as by statutory provisions or periods for storage.

Objection to advertising by telephone, fax, e-mail

We hereby object to the use of contact data published within the scope of the imprint obligation to send unsolicited advertising and information material. The site operators expressly reserve the right to take legal action against unsolicited mailing or e-mailing of spam and other similar advertising materials.

Personal Info

Viktor Margaritopoulos

Degree in business administration

Born 1980, partner, 1 child

A successful 15-year career in sales and consulting, working in the insurance, manufacturing, banking, financial sectors for companies including Deutsche Bank Privat und Geschäftskunden AG and Euler Hermes Deutschland.

Mentor and lecturer for insurance and business administration at DHBW Mannheim, as well as other higher-education establishments.

Member of the insurance committee at the Saarland Chamber of Industry and Commerce.

Member of Arbeitskreis Wirtschaft e.V..

Personal Info

Özay Süerdem

Following his apprenticeship as a banker at SEB, Mr. Süerdem completed his bachelor’s and master’s degree at FOM in ‘Business Administration’ (focus: Finance) as well as ‘Finance & Accounting’ in Cologne. During this period, Mr. Süerdem worked in various positions in banking and financing industry of banks and financial institutions as senior consultant, credit analyst, customer consultant and sales assistant.

Most recently, Mr. Süerdem worked for Big4 companies in consulting and auditing the credit business of banks. In addition to various credit-related consulting projects, his primary tasks included the risk assessment of complex credit engagements (especially project & leveraged finance). At Gracher, Mr. Süerdem is a specialist in all aspects of corporate financing and works closely with Mr. Wolber. His field of activity includes both analysis and consulting activities.

Personal info

Luba Nikiforova

Dipl. Economist, born 1981, 1 child

Studied Economics with a focus in Finance at the Ruprecht-Karls-University Heidelberg followed by a MSc in European Politics and Governance at the London School of Economics and Political Science.

For 15 years working as a business development expert in various fields in Bulgaria – electricity trading, renewable energy, energy efficiency, EU financing. Was responsible for the optimization of electricity costs for an energy-intensive industrial company, which became the first Bulgarian industrial consumer to cover its own electricity needs through active electricity trading activity and thus achieved significant financial savings.

Since May 2020 working at Gracher in developing surety sales for the Bulgarian market.

Personal Info

Tina Weidenaar

After finishing the school for business administration and economics (HEAO) with a specialization in Banking and Insurance, Tina obtained her master’s degree in law. She started her working career in the financial sector in the compliance department at Fortis Investments, the asset manager of Fortis.
Holding various other legal and commercial positions within the financial sector after that, Tina became a relationship manager at the Dutch surety company Nationale Borg in 2004.

Here she gained more than 11 years of valuable experience as a surety underwriter and was responsible for a portfolio of companies, consisting of both large SMEs and (international) listed companies.

Since 2016 Tina leads the Dutch office of Gracher, Gracher Surety Netherlands, focusing on developing the Dutch market as well as international business from Non German speaking countries.

Personal Info

André Ofenloch

born 1974, partner, two children

Qualified insurance broker and degree in business administration.

André Ofenloch began his carrier as an analyst and underwriter in 1993, working in the Creditline division of Allgemeinen Kredit AG (later Coface Deutschland AG). In 2003, he moved to Coface’s new factoring subsidiary Coface Finanz GmbH, starting out as an account manager in commercial factoring. From 2006 onwards, he became the authorized head of the Business Development, Institutional Clients/Refactoring and Reverse Factoring divisions. In 2014, he was made head of sales for the company’s factoring business, managing a 15-strong decentralized sales team up until the end of 2018. Parallel to this, he also became head of the newly established New Client Structuring and Onboarding division, where he remained until the end of 2019.

At Gracher, Ofenloch oversees the factoring and receivables & purchase financing business. In addition to a wealth of experience drawn from a long career in financing and credit insurance, Ofenloch also has an extensive network of contacts in credit insurance, factoring, banking and purchase order financing.

Personal Info

Oleg Narykov

BA French philology, MSc Economics

single

After successfully completing a degree in French philology, with a minor in economics, Oleg Narykov completed an English-language Masters in Economics at the University of Trier, specializing in econometrics and time-series analysis.

During his studies, he gained international experience at the Namur and Louvain-la-Neuve universities in Belgium.

Since May 2017 he has been working in Luxemburg’s financial center.  

Personal Info

Kontantin Narykov

Coming soon…

Personal Info

Edwin Jacobs

Coming soon.

Personal Info

Christoph Spuller

Coming soon.

Personal Info

Wolfgang Bäumer

After graduating from high school, trained as a bank clerk at a savings bank, where he was subsequently employed in the bank’s credit department.

He then studied law in Bonn, passing the bar, and went on to work in Deutsche Bank AG’s corporate banking division.

From here, he moved into property leasing at subsidiaries of Dresdner Bank and Commerzbank and was responsible for structuring and financing numerous large projects – focusing, in particular, on compliance with international accounting rules.

Joined Gracher in 2013, focusing on the construction industry and property developers.

Personal Info

Carl E Hoestermann

Attorney

born 1961, married, 3 children

1992 Deutsche Bank management trainee program in Frankfurt and subsequent role as assistant to the board of management at the Duisburg branch. Thereafter, branch director of two large Deutsche Bank branches.

At the end of 1997, moved to HOCHTIEF AG in Essen as Head of Corporate Finance, Investor Relations and Asset Management. Responsibility for numerous projects, both national and international.  From 2004 onwards, also Deputy Chairman at HOCHTIEF Pension Trust e.V., the group’s investment vehicle for financing German pension liabilities.

Longstanding management and project experience at international level, including negotiation of high-volume surety facilities for operating subsidiaries in the USA and Canada.

Personal Info

Christian Wolber

After training as a bank clerk, Wolber obtained a Bachelor in International Business in Maastricht, completing part of the course in Ecuador. He also completed a Masters in Banking & Finance at HSG St. Gallen.

He then spent 12 years in London, initially at Barclays Capital and then at Citigroup. At both institutions, he worked in leveraged finance, structuring and placing financing solutions for corporate and private equity clients. He then moved to Ondra Partners (also in London) where he worked in debt advisory.

Wolber now heads Gracher’s finance consulting business. In addition to his longstanding experience within the financing sector, he also has an extensive network of contacts among financing partners – banks, credit funds (private debt), mezzanine financing providers, and a wide variety of alternative credit providers.

Personal Info

Horst Wingenter

Coming soon.

Personal Info

Alfons Maria Gracher

married, three children

Trained bank clerk, degree in business administration and, since 2000, managing partner of Gracher Kredit- und Kautionsmakler GmbH und Co. KG, Germany’s largest surety service provider.

An expert in his field and a member of the Chamber of Industry and Commerce (IHK) finance committee, he is consulted on such matters as the implementation of European Commission directives and regulations.

He is also a co-founder and board member of (the international credit broker association) BARDO e.V., established in 2013, and heads its surety committee. As a founding member of Surety Alliance, he is well-connected internationally.