1.1 The Allianz-Kapital investment is a fixed-term capital investment in an interest-bearing account with a term of 12 months.
1.2 The full investment amount (100%) is deposited into the provided investment account with Allianz Lebensversicherungs-AG.
1.3 The interest rate is 4.15% p.a. (gross) and is guaranteed for the 12-month period starting from the date of full capital receipt.
2.1 Allianz Lebensversicherungs-AG guarantees the repayment of the deposited capital up to an investment amount of €1,000,000.
2.2 This coverage includes full capital protection plus interest payment at the end of the term.
3.1 Interest will be credited to the investor’s account at the end of the 12-month period.
3.2 Interest income is subject to capital gains tax at a rate of 25% plus solidarity surcharge and, if applicable, church tax. Allianz automatically remits this to the tax authorities unless an exemption order or non-assessment certificate is provided.
4.1 The investor may request early withdrawal or termination in writing at any time. In such cases, settlement is based on the date of early termination with proportional interest adjustment (daily interest calculation).
4.2 In case of early withdrawal, the guaranteed interest rate becomes invalid for the remaining term.
5.1 After the 12-month term, the invested capital including interest is automatically transferred back to the investor’s reference account provided at contract signing, unless otherwise agreed (e.g., reinvestment).
5.2 The contract ends automatically upon return of the investment amount.
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