Terms and Conditions

DAGEMA eG is a licensed financial institution (freigestelltes Kreditinstitut) regulated by the German Federal Financial Supervisory Authority (BaFin, ID: 10108329, Bak Nr. 108329). We operate as a cooperative (eG) providing specialized financial services for the dental technology sector, serving dental laboratories and technicians across Germany. Our services include:

• Building materials supply for roofs and facades
• Central settlement services (Zentralregulierung)
• Specialized processing services (bending, cutting, profiling)
• Logistics and delivery solutions
• Customer loyalty programs (Dach&Mehr)
• Information services (catalogs, newsletters)

Registered Address: Siemensring 20, 47877 Willich, Deutschland
Email: [email protected]
Phone: +49 2309 784700

You may use this Website for lawful purposes only. You agree not to:

• Use the Website in any way that violates applicable laws or regulations
• Transmit any harmful code, viruses, or malicious software
• Attempt to gain unauthorized access to our systems or networks
• Interfere with the proper functioning of the Website
• Collect or harvest any personal data from other users
• Use automated systems (bots, scrapers) without our written permission

While we strive to provide accurate and up-to-date information about our services, products, pricing, and dealer network, we make no warranties or representations about the completeness, accuracy, or reliability of any information on this Website. Product availability, specifications, and prices are subject to change without notice. For binding information, please contact us directly or consult with your local COBA dealer.

Specific terms for building materials supply, central settlement services, logistics, and loyalty programs are governed by separate service agreements concluded between COBA (or the respective dealer) and the customer. The consultation request submitted through our Website does not constitute a binding contract. A binding agreement is formed only when we or an authorized dealer accepts your order or inquiry in writing.

Our central settlement services (Zentralregulierung) are provided in accordance with BaFin regulations and applicable German financial services law. These services are subject to separate terms and conditions and regulatory compliance requirements. Only authorized business customers in the dental technology sector may use central settlement services. By using these services, you agree to comply with all applicable anti-money laundering (AML) and know-your-customer (KYC) requirements.

All content on this Website, including but not limited to text, graphics, logos (including the COBA logo), images, catalogs, and software, is the property of COBA or its licensors and is protected by German and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

Our Website may contain links to third-party websites (such as dealer websites, supplier sites, or regulatory authorities like BaFin and LfD Niedersachsen). We are not responsible for the content, privacy practices, or terms of use of these external sites. Access to third-party sites is at your own risk.

To the fullest extent permitted by German law:

• COBA and its dealers are not liable for any indirect, incidental, special, or consequential damages arising from your use of the Website or services
• We are not liable for any losses resulting from reliance on information provided on the Website
• We are not liable for delays or failures in delivery caused by circumstances beyond our reasonable control (force majeure)
• Our total liability for direct damages is limited to the value of the specific transaction or service in question

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded or limited under German law.

The collection and processing of your personal data is governed by our Privacy Policy, which forms an integral part of these Terms. By using our Website, you consent to the data practices described in our Privacy Policy.

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Germany, without regard to its conflict of law provisions. Any disputes arising from or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Osnabrück, Germany.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on this Website. Your continued use of the Website after any changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

For questions about these Terms, contact:

DAGEMA eG
Siemensring 20
47877 Willich, Deutschland
Email: [email protected]
Phone: +49 2309 784700
BaFin-ID: 10108329 | Bak Nr.: 108329