IKM
Ilka Kuhagen Marketingforschung
International Qualitative Marketing Research

Ilka Kuhagen is a member of BVM and QRCA
 

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Welcome to IKM

Since 1994 Ilka Kuhagen Marketingforschung has specialised on market research in Germany and the project management of studies that focus on the European or parts of the European market. Further, IKM is frequently involved in global studies, leading the European research for foreign institutes.

The studies IKM conducts enable corporations worldwide to gain strategic market insights. A large variety of qualitative and quantitative market research methods are used in order to allow for innovative marketing solutions.

Our long experience in business-to-business marketing, in the coordination of international projects, the analysis and implementation-focused reporting as well as our contacts to decision makers in various sectors of industry form the basis for the support we offer clients to make efficient decisions.

These pages are thought to help getting informed thoroughly about our services. For answers to further questions or a concrete offer, please contact IKM directly at any time convenient.

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Company
 Vision    Mission    Areas of Experience    Conditions of Contract

Vision
The understanding of Europe's heterogenous markets enables our clients worldwide to make substantiated and confident decisions.
Innovative solutions and creative strategies improve their market position and lead to long-lasting success.  A high customer satisfaction corroborates our work.

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Mission
Mutlilingualism, flexibility and the highly analytical intellectual power of our team build the basis for a smooth course of the project with a focus on details.
A centralised realisation of all project stages (contact, recruitment, census/moderation, analysis, report/presentation) leads to an optimal flow of information. A good knowledge of the differences between the European countries, personal contacts to local market researchers and on-site presence allow for an international analysis based on national circumstances.

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Areas of Experience
IKM can fall back on many years of experience in the following industries:
            IT & Office Automation
            Elektronics
            Fotography & Digital Imaging
            Telecommunication
            E-Commerce & E-Business
            Packaging
            Drugs & Health Care
            Finance
            Tourism
            Traffic & Cars
            Trade
            Furniture
Please see our references for some examples of former IKM-clients.
For a detailed list, please contact us directly.

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Conditions of Contract
Our offers are always made on the basis of our AGBs (General Terms and Conditions).
The current versions can be found here in English and German and are ready for download.

General Terms and Conditions (English)

1. Scope
 Any quotations, deliveries and services provided by IKM are exclusively based on the following General Terms and Conditions, which form an integral part of the order. Any contradicting or deviating provisions of the Principal shall be disowned by IKM unless explicitly approved of by IKM in writing. These Terms and Conditions shall also apply in cases where IKM renders services for the Principal without reservations upon full knowledge of contradicting or deviating provisions of the Principal. The present General Terms and Conditions shall also apply to all future business activities with the Principal.

2. Scope and Execution of Orders
 As for content and scope of contractual obligations the written order shall prevail. Any deviating or supplementing agreements shall only be binding upon written confirmation by IKM.

3. Contribution of the Principal

(1)       The Principal undertakes to contribute to the extent necessary to the due execution of the order, especially the timely and complete submission of product samples and transmission of all required information.

(2)       In case the Principal fails to fulfill his obligations pursuant to paragraph 1 above or is otherwise in default of acceptance, IKM shall be entitled to request damages for any loss or additional expenditure incurred. After a futile expiry of an appropriate grace period under threat of termination, IKM is entitled to terminate the Agreement. Any other claims shall be reserved.

4. Termination

(1)       The Principal is entitled to terminate the Agreement anytime without stipulation of causes. In case a sufficient number of respondents as required by the Principal cannot be identified or recruited for interviews within a reasonable period of time and despite reasonable effort, each Party shall be entitled to terminate the Agreement.

(2)       In case of termination pursuant to paragraph 1 sentence 1 above, IKM shall be entitled to require payment of the following share of the agreed remuneration as well as compensation for any expenses incurred subject to the length of period between receipt of the termination notice and the first agreed interview appointment:

More than 15 business days: 25%
11 to 15 business days: 50%
6 to 10 business days: 75%
5 business days or less: 100%.

(3)       In case of termination pursuant to paragraph 1 sentence 2 above, IKM shall be entitled to half of the agreed compensation as well as reimbursement of any expenses incurred by the time of termination. Any other claims of the Parties shall be excluded.

5. Compensation

(1)       The agreed compensation is exclusive of statutory VAT as applicable on the day of invoicing. Travel expenses (flight: Business Class, Railroad: 1st Class), VAT and any other expenditure and expenses shall be payable in addition.

(2)       Half of the agreed compensation is due for payment upon placing of the order; the remainder is due for payment within 15 days upon the invoice date.

(3)       In case the payment period is exceeded interest as common in bank practice shall be charged irrespective of any other claims at least amounting to 8 percentage points above the applicable base lending rate.

(4)       The Principal shall only be entitled to withhold payments or offset them with counterclaims to the extent that these counterclaims are undisputed or final and binding. The Principal shall only be entitled to execute his right to withhold payments to the extent that his counterclaim results from the same contractual relationship as the claim for payment on the part of IKM.

6. Warranties

(1)       IKM shall execute the research as stipulated in the order with all due diligence and analyze the data collected. IKM shall not assume any liability for the achievement or marketability of research results or targets.

(2)       In case of any defect IKM shall be entitled to employ improvement. In case improvement fails, the Principal shall be entitled to withdraw or to require a reduction in compensation. Any other claims shall be excluded with the exception of provisions pursuant to Section 7 paragraph 1.

7. Liabilities

(1)       IKM shall be liable for loss or damage irrespective of its legal cause including breach of duties of employees, representatives or agents only in case of intent, gross negligence, culpable violation of life, limb, health or contractual duties, and in case of fraudulently undisclosed defects, whose absence had been guaranteed. In case of damage or loss arising from culpable breach of contractual obligations IKM shall only be liable for the foreseeable loss or damage usually occurring not to exceed the total amount of the agreed remuneration. Otherwise, liability for loss or damage irrespective of kind, including direct and indirect consequential damages shall be excluded unless otherwise stipulated in the present provisions. The above sentences 1 and 2 shall apply accordingly in case of any claims lodged by the Principal for reimbursement of expenses incurred.

(2)       The Principal may only withdraw from the Agreement under the statutory provisions if IKM is responsible for the breach of obligation causing the withdrawal, unless otherwise stipulated in the present provisions.

8. Participation of Third Parties
 IKM is entitled to commission competent staff members and third parties in execution of orders.

9. Limitation
 Warranty claims of the Principal that are due to defective execution of an order as well as any claims resulting from legal causes become statute-barred after 12 months upon commencement of the statutory limitation period. In case of any claims resulting from intentional or fraudulent behavior, violation of life, limb and health the statutory limitation periods shall apply.

10. Confidentiality, Privacy

(1)       IKM undertakes to keep any information disclosed to IKM in relation to the placing and execution of an order confidential towards any third party, unless the disclosure of information is necessary for the execution of such order, or to protect the interests of IKM, or the Principal dispenses IKM from this obligation. Statutory rights to demand information shall remain unaffected.

(2)       The reproduction, proliferation, change, presentation in public or public granting of access to audio, visual and film material, other information or outcome of business activities generated by IKM within the scope of the order shall only be permissible with the prior written consent of IKM. The same shall apply to any disposal going beyond the mere analysis of the above material and information. In case IKM is taken recourse to due to any infringement of personal rights or other third-party property rights, the Principal shall exempt IKM from any cost incurred, provided an infringement of obligations as stipulated in sentence 1 has been a concurrent cause in the recourse to IKM.

11. Legal Venue, Applicable Law

(1)       Any business transactions between the Principal and IKM shall be governed by the laws of the Federal Republic of Germany, especially the German Data Protection Act.

(2)       Legal venue for any current and future claims relative to business relations shall be Munich/Germany. The same shall apply in cases where the Principal has no common legal venue in Germany, moves his place of residence (seat) or customary place of abode abroad after the contract is closed or in cases where his residence (seat) or customary place of abode is not known at the time legal action is taken.

(3)       In case of any discrepancies between this English translation and the original German version of the present General Terms and Conditions the German text shall prevail.

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Allgemeine Geschäftsbedingungen (German)

1. Geltungsbereich
 Allen Angeboten, Lieferungen und Leistungen von IKM liegen ausschließlich die nachfolgenden Geschäftsbedingungen zugrunde und sind Bestandteil des Auftrags; entgegenstehende oder von diesen Bedingungen abweichende Bedingungen des Auftraggebers erkennt IKM nicht an, es sei denn, IKM hätte ausdrücklich schriftlich ihrer Geltung zugestimmt. Diese Bedingungen gelten auch dann, wenn IKM in Kenntnis entgegenstehender oder abweichender Bedingungen des Auftraggebers Leistungen für den Auftraggeber vorbehaltlos erbringt. Diese Bedingungen gelten auch für alle künftigen Geschäfte mit dem Auftraggeber.

2. Umfang und Ausführung des Auftrags
 Für Inhalt und Umfang der vertraglichen Pflichten ist der schriftlich erteilte Auftrag maßgebend. Hiervon abweichende oder diesen ergänzende Absprachen binden IKM erst nach schriftlicher Bestätigung.

3. Mitwirkung des Auftraggebers

(1)        Der Auftraggeber ist zur Mitwirkung verpflichtet, soweit es zur ordnungsgemäßen Erledigung des Auftrags erforderlich ist, insbesondere zur rechtzeitigen und vollständigen Übergabe von Produktmustern sowie Übermittlung von erforderlichen Informationen.

(2)        Verletzt der Auftraggeber seine Pflicht gemäß vorstehendem Absatz 1 oder kommt sonst in Annahmeverzug, ist IKM berechtigt, den ihr insoweit entstehenden Schaden, sowie etwaige Mehraufwendungen ersetzt zu verlangen. Nach Setzung und fruchtlosen Verstreichen einer angemessenen Frist mit Kündigungsandrohung ist IKM berechtigt, den Vertrag zu kündigen. Weitergehende Ansprüche bleiben vorbehalten.

4. Kündigung
 (1)        Der Auftraggeber ist berechtigt, den Auftrag ohne Angabe von Gründen jederzeit durch Kündigung zu beenden. Können innerhalb angemessener Frist und trotz zumutbarem Aufwand die vom Auftraggeber bezeichneten Interviewpersonen nicht in ausreichender Anzahl ermittelt werden oder für ein Interview zur Verfügung gestellt werden, ist jede der Vertragsparteien berechtigt, sich durch Kündigung vom Vertrag zu lösen.

(2)        Im Falle der Kündigung gemäß vorstehendem Absatz 1 Satz 1 ist IKM berechtigt, in Abhängigkeit der Länge des Zeitraumes zwischen Zugang der Kündigung bei IKM und dem ersten vereinbarten Interviewtermin von der vereinbarten Vergütung folgenden Anteil sowie den Ausgleich bereits entstandener Aufwendungen zu verlangen:
                        25% bei mehr als 15 Werktagen
                        50% bei 11 bis 15 Werktagen
                        75% bei 6 bis 10 Werktagen
                        100% bei 5 oder weniger Werktagen.

(3)       Im Falle der Kündigung gemäß vorstehendem Absatz 1 Satz 2 ist IKM die Hälfte des vereinbarten Honorars sowie im Zeitpunkt der Kündigung bereits entstandene Aufwendungen zu erstatten. Weitergehende Rechte der Vertragsparteien sind ausgeschlossen.

5. Vergütung

(1)       Das vereinbarte Honorar versteht sich zuzüglich gesetzlicher Umsatzsteuer in der jeweils am Tag der Rechnungsstellung gesetzlich maßgeblichen Höhe. Reisekosten (Flug: Business Class, Bahn: 1. Klasse) sowie sonstige Aufwendungen und Auslagen sind gesondert zu vergüten.

(2)       Von dem vereinbarten Honorar ist die Hälfte bei Auftragserteilung, der Rest binnen 15 Tagen ab Rechnungsdatum zur Zahlung fällig.

(3)       Bei Überschreitung des Zahlungszieles werden unbeschadet weitergehender Rechte bankübliche Zinsen, mindestens jedoch Zinsen in Höhe von acht Prozentpunkten über dem jeweiligen Basiszinsatz berechnet.

(4)       Das Recht, Zahlungen zurückzuhalten oder mit Gegenansprüchen aufzurechnen, steht dem Auftraggeber nur insoweit zu, als seine Gegenansprüche unbestritten oder rechtskräftig festgestellt sind. Der Auftraggeber ist zur Ausübung seines Zurückbehaltungsrechts nur insoweit befugt, als sein Gegenanspruch auf dem gleichen Vertragsverhältnis wie der Zahlungsanspruch von IKM beruht.

6. Gewährleistung

(1)       IKM wird die in Auftrag gegebene Untersuchung mit der erforderlichen Sorgfalt ausführen und die gewonnenen Daten auswerten, übernimmt jedoch keine Gewährleistung für das Erreichen und die Verwertbarkeit bestimmter Untersuchungsergebnisse oder Forschungsziele.

(2)       Bei Vorliegen eines Mangels ist IKM zur Nachbesserung berechtigt. Schlägt die Nachbesserung fehl, so ist der Auftraggeber zum Rücktritt oder zur Minderung der Vergütung berechtigt. Weitere Ansprüche sind, vorbehaltlich den Bestimmungen gemäß Ziffer 7 Abs. 1, ausgeschlossen.

7. Haftung

(1)       Für Schäden gleich welcher Art haftet IKM, aus welchem Rechtsgrund auch immer, auch für Pflichtverletzungen von Angestellten, Vertretern und Erfüllungsgehilfen, nur bei Vorsatz, grober Fahrlässigkeit, bei schuldhafter Verletzung von Leben Köper, Gesundheit sowie vertragswesentlicher Pflichten, bei arglistig verschwiegenen sowie bei Mängeln, deren Abwesenheit garantiert wurde. Für Schäden aus schuldhafter Verletzung vertragswesentlicher Pflichten haftet IKM in jedem Fall nur für den vorhersehbaren, typischerweise eintretenden Schaden, beschränkt auf die Gesamthöhe des jeweils vereinbarten Honorars. Im übrigen ist die Haftung für Schäden gleich welcher Art, incl. mittelbarer und unmittelbarer Folgeschäden, ausgeschlossen, sofern sich aus diesen Bedingungen nicht ein anderes ergibt. Vorstehende Sätze 1 und 2 gelten entsprechend für einen etwaigen Aufwendungsersatzanspruch des Bestellers.

(2)       Der Besteller kann vom Vertrag im Rahmen der gesetzlichen Bestimmungen nur zurücktreten, wenn IKM die zum Rücktritt berechtigende Pflichtverletzung zu vertreten hat, es sei denn aus diesen Bestimmungen ergibt sich ein anderes.

8. Mitwirkung Dritter
 IKM ist berechtigt, zur Ausführung des Auftrags Mitarbeiter und fachkundige Dritte heranzuziehen.

9. Verjährung
 Gewährleistungsansprüche des Auftraggebers aufgrund mangelhafter Ausführung des Auftrages sowie Ansprüche aus sonstigen Rechtsgründen verjähren in 12 Monaten ab dem gesetzlichen Verjährungsbeginn. Bei Ansprüchen aus vorsätzlichem oder arglistigem Verhalten, wegen Verletzung von Leben, Körper und Gesundheit gelten die gesetzlichen Fristen.

10. Verschwiegenheit, Datenschutz

(1)       IKM wird über alle Tatsachen, die ihr im Zusammenhang mit der Erteilung und Ausführung des Auftrags bekannt werden, Dritten gegenüber Stillschweigen bewahren, es sei denn, die Bekanntgabe von Tatsachen ist zur Durchführung des Auftrages oder zur Wahrung berechtigter Interessen von IKM erforderlich oder der Auftraggeber entbindet IKM von dieser Verpflichtung. Gesetzliche Auskunftsrechte bleiben unberührt.

(2)       Die Vervielfältigung, Verbreitung, Veränderung, die öffentliche Vorführung oder das öffentliche Zugänglichmachen des von IKM im Rahmen des Auftrags dem Auftraggeber überlassenen Ton-, Bild- und Filmmaterials, sonstiger Informationen oder Arbeitsergebnisse ist nur mit vorheriger schriftlicher Einwilligung von IKM zulässig; entsprechendes gilt für jede über die bloße Auswertung des vorgenannten Materials und Informationen hinausgehende Verwendung. Wird IKM aufgrund der Verletzung von Persönlichkeits- oder sonstigen Schutzrechten von Dritten in Anspruch genommen, so wird der Besteller, soweit eine Verletzung der in Satz 1 genannten Pflichten für die Inanspruchnahme von IKM zumindest mitursächlich ist, IKM von den hieraus entstehenden Kosten freistellen.

11. Gerichtsstand, anwendbares Recht

(1)       Für sämtliche Geschäftsbeziehungen zwischen dem Auftraggeber und IKM gilt das Recht der Bundesrepublik Deutschland, insbesondere das deutsche Datenschutzgesetz.

(2)       Gerichtsstand für sämtliche gegenwärtigen und künftigen Ansprüche aus der Geschäftsverbindung ist München. Das gleiche gilt, wenn der Auftraggeber keinen allgemeinen Gerichtsstand im Inland hat, nach Vertragsschluß seinen Wohnsitz (Sitz) oder gewöhnlichen Aufenthalt aus dem Inland verlegt oder sein Wohnsitz (Sitz) oder gewöhnlicher Aufenthalt zum Zeitpunkt der Klageerhebung nicht bekannt ist.


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Conditions of Contract (English)

        • AGB_EN.rtf (Rich-Text)

        • AGB_EN.pdf (Acrobat)

Vertragsbestimmungen (German)

        • AGB_DE.rtf (Rich-Text)

        • AGB_DE.pdf (Acrobat)

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Our Services
Project Management    Desk Research    Qualitative Methods    Quantitative Methods

Working with IKM offers the following opportunities

Project management

Full Planning of Study --> Project Management --> Analysis --> implementation-focussed report
--> Management Summary --> personal presentation (in German or English)

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Desk Research

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Qualitative Methods

IKM has specialised on qualitative market research.

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Quantitative Methods
 A field of approx. 15 highly qualified interviewers enables IKM to conduct samples of up to 300 interviews.
We cooperate with approved research institutes for larger samples.

To support our clients in the best possible way, IKM offers its experiences in the coordination of international projects for the composition and adjustment of questionaires which are needed in several languages and for the briefing of interviewers.

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Ilka Kuhagen
 Curriculum Vita    Engagement

Curriculum Vita

(Download Ilka Kuhagen's CV)

"Tell me the decision you need to make and I will ask the right target group, to provide you with the information you need."

After several years in consultancy and marketing research Ilka Kuhagen founded IKM in 1994.

She graduated from the Ludwig-Maximilian-University, Munich, in Business Administration, having focussed on marketing and psychology.  She began her career 1982 within the Roland Berger business-consulting group, Roland Berger Forschungs-Institut, as project assistant and from 1983 on as project manager.

In 1987 Ilka Kuhagen moved on to UBM International Industrial Research. For UBM she worked as Senior Project Manager and became head of the IT and International Studies department.

In 1994 she founded IKM and has specialized on qualitative research within business-to-business and international research. Since then she has conducted more than 1000 focus groups and in-depth-interviews as part of the almost 200 studies she has been assigned. Being bilingual in English and German, and fluent in French and Spanish she is a truly international researcher. By contracting to native speaking moderators in other European countries and summarizing results in English she frequently extends this international dimension.

Since 1983 Ilka Kuhagen lectures on Marketing at VHS Munich. For BIG Firmenseminare she coaches employees of German corporations in marketing, communication and time management.

Ilka Kuhagen is a member of the Qualitative Research Consultants Association (QRCA) and of the German Association of Market and Social Researchers (BVM).

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Engagement

Since its foundation in 2002 Ilka Kuhagen is chair of the QRCA's Virtual Chapter and she is active in the Committee for Qualitative Market and Social Research within the BVM, the German researchers’ association.

Ilka Kuhagen has been a speaker at the yearly QRCA conference in Toronto in 2002 on ‘Partnering and Moderating in a Foreign Language Market’ and 2003 in Lisbon at the AQR/QRCA on ‘Cooperation with a Bavarian High School in order to assess changes and improve the quality of education’. She was Speaker Co-Chair for the QRCA conference in Phoenix 2004 and conference Co-Chair for the 2006-conference..

She evaluates public schools for the “Bavarian Educational Pact” (Bildunsgpakt Bayern) and gained experiences in the management model of the European Foundation for Quality Management (EFQM). Further she gained extensive knowledge in Neuro Linguistic Programming (NLP) in specific training courses throughout her career.

Ilka Kuhagen has published in Views (Spring03 Edition) and other publications and is engaged in the fundraising sector for non-profit organisations (em-faktor.de - German). She consults the hospice society in Kirchheim/Munich and has been a board member of the State's Parental Association for many years.

For a full list of speeches and publications send a short e-mail to info@ikmarketing.de. Copies of published materials can be obtained via e-mail as well.

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The following versions of Ilka Kuhagen's CV are ready for download:

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Market Research Links

The internet offers a variety of information on Market Research.

Qualitative Research Consultants Association (QRCA)
The QRCA is a not-for-profit association of consultants involved in the design and implementation of qualitative research. The QRCA aims to promote excellence in the field of qualitative research.

Berufsverband Deutscher Markt- und Sozialforscher (in German)
The BVM is an organisation representing German market researchers. As for the QRCA, membership can only be obtained if a certain level of qualification has been reached. The BVM publishes recent information on new Trends in research and the research industry.

Marketing Research FAQ
The QRCA published a list of FAQs. All questions concerning qualitative research, in-depth-interviews and focus groups answered.

Marktforschungsglossar (in German)
 Many MR-terms explained fully; provided by BVM.#

Glossary of web marketing terminology
 Glossary of web marketing terminology; combines definitions of each term with links to related articles of interest to online marketers.

What is Qualitative Research?

When to use qualitative Research?

Why use a professional moderator?

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References
 Clients    Project Assignments

Clients
Accent, London
BEM, London
Consilio, Munich
Emsis, Paris
AGFA, Leverkusen
GoIndustry, Munich
Hewlett Packard, Eybens
Intuit, Munich
Kodak, Stuttgart
Mc Lauchlan, Cincinatti
Mercer Management Consulting, Munich
OCE, Venlo
O.tel.o, Frankfurt
UBM Italia, Milano
Xerox, Rochester
North Star Communications, Philadelphia
Research for Today, London
Harris Interactive, New York
Zeyko, Althengstett
 

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Project Assignments
Motorola
AT&T
UBS
Visa
Guidant
Aventis
Bristol-Meyers-Squibbs
Pfizer
Nokia
Hollister
Hospice
Boeing
Futura
UKHO
Seagram
Rexam
Fiat
Ford
UPS
Eastern Power
Teradyne
Larysis
Microsoft
Intel
Dell
Adobe
Coral
Hitachi
Corning

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Contact & Impressum

Contact     Impressum     Disclaimer

Contact

Please contact us via e-mail, phone or post.

IKM - Ilka Kuhagen Marketingforschung

Ludwig-Ganghoferstr.33
D-85551 Kirchheim/Munich
Germany

Tel.: +49(0)89-90468300
Fax: +49(0)89-90468301

E-Mail: info@ikmarketing.de

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Impressum
Editorial Details (§6 TDG):

Dipl.-Kfr. Ilka Kuhagen
Ilka Kuhagen Marketingforschung

Ludwig-Ganghoferstr.33
D-85551 Kirchheim (GER)

E-Mail info@ikmarketing.de

Tel.: +49(0)89-90468300

Umsatzsteuer-ID: DE129852463

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Disclaimer
 1. Content
The author reserves the right not to be responsible for the topicality, correctness, completeness or quality of the information provided. Liability claims regarding damage caused by the use of any information provided, including any kind of information which is incomplete or incorrect,will therefore be rejected.
All offers are not-binding and without obligation. Parts of the pages or the complete publication including all offers and information might be extended, changed or partly or completely deleted by the author without separate announcement.
2. Referrals and links
The author is not responsible for any contents linked or referred to from his pages - unless he has full knowledge of illegal contents and would be able to prevent the visitors of his site fromviewing those pages. If any damage occurs by the use of information presented there, only the author of the respective pages might be liable, not the one who has linked to these pages. Furthermore the author is not liable for any postings or messages published by users of discussion boards, guestbooks or mailinglists provided on his page.
3. Copyright
The author intended not to use any copyrighted material for the publication or, if not possible, to indicatethe copyright of the respective object.
The copyright for any material created by the author is reserved. Any duplication or use of objects such as images, diagrams, sounds or texts in other electronic or printed publications is not permitted without the author's agreement.
4. Privacy policy
If the opportunity for the input of personal or business data (email addresses, name, addresses) is given, the input of these data takes place voluntarily. The use and payment of all offered services are permitted - if and so far technically possible and reasonable - without specification of any personal data or under specification of anonymized data or an alias. The use of published postal addresses, telephone or fax numbers and email addresses for marketing purposes is prohibited, offenders sending unwanted spam messages will be punished.
5. Legal validity of this disclaimer
This disclaimer is to be regarded as part of the internet publication which you were referred from. If sections or individual terms of this statement are not legal or correct, the content or validity of the other parts remain uninfluenced by this fact.

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