1. Scope and provider
These terms apply to the use of the auslandspolice website and its editorial content. The provider is Biturai L.L.C-FZ; full contact details are set out in the legal notice.
The website provides general product information and links to an external offer. It does not offer a customer account, paid membership or an insurance checkout of its own.
2. Biturai's role as an introducer
Biturai explains publicly available information about PassportCard's product and payment mechanics and links directly to the offer flow. Under the role allocation confirmed in writing by PassportCard, Biturai acts as an introducer, not an insurance intermediary.
Biturai does not accept applications on auslandspolice, perform an individual needs analysis, provide insurance advice or recommend a particular plan to an individual.
3. No insurance contract with Biturai
The PassportCard flow handles the offer and application. Biturai is not a party to the insurance contract, is not an insurer and is not responsible for accepting, administering or performing the policy. The individual offer and policy alone identify the insurer and any other contracting parties.
The PassportCard and insurer documents exclusively govern the offer, acceptance, premium, benefits, exclusions, waiting periods, deductibles, coverage zones, health disclosures, payment process and claims handling.
4. Compensation and disclosure
If an insurance contract is concluded through the direct link, PassportCard pays Biturai compensation for the referral. The compensation is settled between Biturai and the provider; Biturai does not charge you a separate fee through this website. The full disclosure is in the footer and the legal notice. The link is marked “Advertisement” immediately beside the outgoing link.
The offer flow opens at PassportCard. Technical attribution parameters are sent in the link; the details are described in the privacy notice.
5. Content and external links
Articles and pages provide general information as of their publication date. They do not replace individual advice and do not promise that a particular plan, benefit or price is available to you. Information may change; PassportCard's current offer and policy documents always prevail.
The PassportCard link leads to a third-party website. PassportCard and the parties identified in the individual offer or policy are responsible for the content, technical availability, privacy practices, offer, application, contract and claims handling within their respective roles.
6. Permitted use and copyright
The website may be used only within the limits of applicable law. Content, trademarks, images and text may not be reproduced, made publicly available or used commercially without the required permission. Mandatory statutory rights remain unaffected.
7. Allocation of responsibility
Biturai is responsible for its own content under the mandatorily applicable law. These terms do not exclude or limit statutory claims, including claims arising from intent, gross negligence or injury to life, body or health.
PassportCard and the parties named in the offer and policy are responsible for the external offer flow, application decision, policy and claims handling within their respective roles. This allocation does not exclude any statutory responsibility of Biturai for its own conduct.
8. Changes, applicable law and jurisdiction
Biturai may amend these terms for the future where this is required for the operation, security or legal accuracy of the website. The version published at the time of further use applies.
The applicable law is determined by the statutory conflict-of-law rules. Mandatory consumer protection rules and statutory places of jurisdiction remain unaffected. No exclusive place of jurisdiction is agreed with consumers. These terms do not create an insurance contract with Biturai.
9. Date
This version is dated 3 September 2026.