Legal Notices.

A.Statutory disclosures (pursuant to § 5 TMG)

Benjamin Koch

Frauenstr. 3

48143 Münster


B.Exclusion of liability (disclaimer)

I.Liability for contents

The contents of my pages have been compiled with meticulous care. However, I cannot incur liability for the contents' correctness, completeness, and effectiveness. As a service provider I am responsible for the contents on these pages in accordance with general laws and pursuant to § 7(1) TMG. Pursuant to §§ 8-10 TMG, I as a service provider am neither under any obligation to monitor transmitted or stored external information nor to investigate circumstances that point to any infringement of the law. Obligations to delete or disable the use of information remain thereof unaffected. Respective liability can only be incurred from the point in time when any concrete infringement becomes known to me. Once I have become aware of respective infringements of the law, I will delete such contents without undue delay.

II.Liability for links

My website contains links to external sites of third parties. I am not able to exert any control over their contents. Therefore, I cannot incur liability for these external contents. The respective provider or operator of these sites is in all cases responsible for the linked websites' contents. The linked websites were examined for potential infringements of the law at the time the links were placed. No illegal contents were found at that time. Continuing control of the linked sites' contents involves a disproportionate effort and is therefore impossible without any concrete indicators of infringements of the law. Once I have become aware of such infringements of the law, I will remove such links without undue delay.


Contents and works that were generated by the website's operator on these pages are subject to German copyright. The reproduction, adaptation, distribution, and any utilization beyond the scope of the copyright shall require the prior written consent of the respective author or creator. Downloads and copies of this website are only permitted for private, non-commercial use. In so far as this website's contents were not generated by the operator, the copyrights of third parties are respected. In particular, the contents of third parties are marked as such. If you become aware of any copyright infringements regardless, I kindly ask you to inform me. Once I have become aware of respective infringements of the law, I will delete such contents without undue delay.

  • IMF – International Monetary Fund (2021), World Economic Outlook (April 2021) – Real GDP Growth: Annual percent change. Internet:, retrieved May 15, 2021.
    Location: line chart on the home page.
  • Palmer, A. (2014), The Art of Asking: How I Learned to Stop Worrying and Let People Help. New York: Grand Central Publishing.
    Location: quote "This impulse to connect the dots–and to share what you’ve connected–is the urge that makes you an artist." on the home page.

D.Governing law

The terms of use as well as all legal relationships regarding the use of this website are subject to and governed by the law of the Federal Republic of Germany.


These Legal Notices shall also apply to the following