Privacy statement

General information

We respect your wishes with regard to the protection of personal data and treat your personal data confidentially on the basis of this data protection declaration and within the framework of statutory data protection regulations.

As a rule, our website can be used without providing personal data. Insofar as personal data (e.g. name, address or e-mail addresses) is collected on our pages, this is always done on a voluntary basis as far as possible. This data will not be passed on to third parties without your express consent.

We have taken precautions to secure our systems and to transmit the data transmitted e.g. via the contact form in a protected manner. The transmission of data is encrypted using the SSL protocol (Secure Socket Layer). The SSL-encrypted website can be recognised in the browser by the corresponding symbol or in the URL by the HTTPS protocol ( …).

Personal data

Personal data are individual details about natural persons who allow conclusions to be drawn about their personal, economic or other circumstances. This includes, for example, address and availability data.

This does not include information that cannot be directly linked to your real identity.

All categories contained in the publicly accessible area of our website can be visited. User authentication is not required. An exception to this is – if a corresponding form is or was online – registration with one of our personalised services, where we request the name and other personal information. Without this information, we will not be able to provide these services. Data entry is therefore voluntary, but required for registration. All personal data provided by you will be treated in accordance with the applicable data protection laws. The data will be processed exclusively for the specific purpose. The data will not be passed on to third parties. Exceptions exist where it is necessary to pass on the data in order to process your enquiries – especially in the case of contracts.


Some of the Internet pages use so-called cookies. Cookies do not damage your computer and do not contain viruses. Cookies serve to make our offer more user-friendly, more effective and safer. Cookies are small text files that are stored on your computer and administered by your browser.

Most of the cookies we use are so-called “session cookies”. They are automatically deleted at the end of your visit. Other cookies remain stored on your terminal until they are deleted manually or automatically. Cookies enable us to recognize your browser during your next visit.

You can set your browser so that you are informed about the setting of cookies and only allow cookies in individual cases, accept cookies for certain cases or generally exclude them and activate the automatic deletion of cookies when closing the browser. If cookies are deactivated, the functionality of this website may be restricted.

Further information on cookies can be found in our cookie policies.

Server log files

The provider of the pages automatically collects and stores information in so-called server log files, which your browser automatically transmits.

These are: Browser type/ browser version, information about the operating system used, referrer URL, host name of the accessing computer, as well as the time of the server inquiry

These data cannot be assigned to specific persons. This data will not be merged with other data sources. We reserve the right to subsequently check this data if we become aware of concrete indications of illegal use.

Google Analytics

Our websites use Google Analytics, a web analysis service of Google Inc. “(“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage.

Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above”.

Contact form

If you send us inquiries by contact form, by fax or by other contact possibilities, your data including the contact data indicated by you are stored and used for the purpose of the treatment of the inquiry and for the case of follow-up questions with us. The processing of your inquiry requires your consent to the processing. We reserve the right to check the information provided by you. These data will not be passed on to third parties without your consent.

Transmission, storage and processing of data

We store, process and use general and personal data in the context of an inquiry, a business relationship, contracts or legal regulations such as retention periods. The storage and processing takes place exclusively on secured IT systems with limited access.

Consent to data protection

Your consent to data protection is required in order to process and answer enquiries on the website. Consent is also required to process data during the duration of a business relationship or during the term of contracts. The consent can be revoked. The revocation can be made in writing or via contact form and must contain unambiguous information. In order to avoid misuse, consent and revocation will be checked by us. The consent of persons under the age of 16 living in Germany is invalid without the consent of a parent or legal guardian.


Notes on the Newsletter and Consents

The following information will inform you about the contents of our newsletter as well as the registration, dispatch and statistical evaluation procedures and your rights of objection. By subscribing to our newsletter, you declare your agreement with the receipt and the described procedures.

Content of the newsletter

We send newsletters, e-mails and other electronic notifications containing advertising information (hereinafter referred to as “newsletters”) only with the consent of the recipient or a legal permission. If the contents of the newsletter are specifically described within the scope of registration, they are decisive for the consent of the user. In addition, our newsletters contain information on topics relating to client knowledge and law firm management.

Double opt-in and logging

The registration to our newsletter takes place in a so-called Double-Opt-In procedure. This means that you will receive an e-mail after your registration in which you will be asked to confirm your registration. This confirmation is necessary so that nobody can register with external e-mail addresses.

The registrations for the newsletter are logged in order to be able to prove the registration process according to the legal requirements. This includes the storage of the registration and confirmation time, as well as the IP address. Also the changes of your data stored at Cleverreach will be logged.

Deployment of the “Cleverreach” electronic mailing service provider

The newsletter is sent via “Cleverreach”, a newsletter mailing platform of the

CleverReach GmbH & Co. KG,
Mühlenstr. 43
26180 Rastede

The e-mail addresses of our newsletter recipients, as well as their other data described in this notice, are stored on Cleverreach’s servers in Europe. Cleverreach uses this information to send and evaluate the newsletter on our behalf. Furthermore, Cleverreach may, according to its own information, use this data to optimise or improve its own services, e.g. for the technical optimisation of the dispatch and presentation of the newsletter or for economic purposes in order to determine from which countries the recipients come. However, Cleverreach does not use the data of our newsletter recipients to write to them or pass them on to third parties.

We trust in the reliability and IT and data security of Cleverreach. Furthermore, we have concluded a written agreement with Cleverreach on data processing. This is a contract in which Cleverreach undertakes to protect the data of our users, to process it on our behalf in accordance with their data protection regulations and, in particular, not to pass it on to third parties”.

Modification, information, deletion, blocking

You can revoke your consent to the transfer of data at any time. From this point on, you will not receive any advertising or newsletters by e-mail from us. In addition, you have the right at any time to free information about your stored personal data, their origin and recipient and the purpose of data processing. You also have the right to have your personal data corrected or deleted.

According to the respective procedure and appropriately we check your legitimation or your data for corrections of your personal data.

You can contact us at any time at the address given in the imprint or via the contact form for further questions on the subject of personal data. Please understand that we only provide information to undoubtedly authorised persons. Changes can also only be made by authorized persons in person. The modification of the personal data, their use, storage and transmission will be implemented promptly after positive review, provided that modifications of the data are not restricted – such as by statutory provisions or periods for storage.

Objection to advertising by telephone, fax, e-mail

We hereby object to the use of contact data published within the scope of the imprint obligation to send unsolicited advertising and information material. The site operators expressly reserve the right to take legal action against unsolicited mailing or e-mailing of spam and other similar advertising materials.

Zur Person

Viktor Margaritopoulos

Dipl. Betriebswirt

Geb. 1980, Lebensgefährtin, 1 Kind

Seit 15 Jahren erfolgreich im Vertrieb & Consulting in den Bereichen Versicherung, Industrie, Banken und Finanzen unter anderem bei der Deutschen Bank Privat und Geschäftskunden AG und Euler Hermes Deutschland tätig gewesen.

Mentor und Dozent im Bereich Versicherungswesen & Betriebswirtschaftslehre, u.a. an der Dualen Hochschule Mannheim

Mitglied im Ausschuss Versicherungen der IHK des Saarlandes

Mitglied im Arbeitskreis Wirtschaft e.V.

Zur Person

Kontantin Narykov

Volkswirt/ Anglist

geboren 1991, verheiratet, ein Kind

Nach erfolgreichem Abschluss seines Studiums der Volkswirtschaft und der Anglistik an der Universität Trier sammelte Narykov internationale Erfahrungen am Finanzstandort Luxemburg.

Im Februar 2018 wechselte er zu Gracher, wo er als Kautionsspezialist tätig ist und zudem das Unternehmen bei der Entwicklung von hauseigenen Softwarelösungen unterstützt.

Zur Person

Edwin Jacobs

Nach Lehre zum Bankkaufmann und Wehrdienst Ausbildung zum Verbandsprüfer bei einem gesetzlichen Prüfungsverband. Daran anschließend einige Jahre Tätigkeit als Bankenprüfer, zuletzt als Prüfungsleiter.

Einer mehrjährigen Tätigkeit als Bereichsleiter Kredit mit Prokura folgten zwei Vorstandsverantwortlichkeiten bei Genossenschaftsbanken.

Ergänzend umfangreiche fachtheoretische Abschlüsse, wie z.B. „Dipl. Bankbetriebswirt” (ADG) und „Fachwirt für Finanzberatung” (IHK).

Bei Gracher Kredit- und Kautionsmakler GmbH & Co. KG zuständig für die Unterstützung der Kautionsspezialisten sowie als Ausbildungsbeauftragter.

Zur Person

Christoph Spuller

Versicherungskaufmann, Studium der Betriebswirtschaft an der Fachhochschule Köln am Fachbereich Versicherungswesen.

Verschiedene Tätigkeiten im Vertrieb bei international tätigen Versicherungsmaklern in Deutschland und Luxemburg.

Mehrere Semester Lehrbeauftragter für BWL an der Fachhochschule Trier.

Zur Person

Wolfgang Bäumer

Nach dem Abitur Lehre als Bankkaufmann bei einer Sparkasse mit anschließender Tätigkeit in der Kreditabteilung seines Ausbildungsbetriebes.

Danach Studium der Rechtswissenschaften in Bonn mit Abschluss 2. Staatsexamen. Gefolgt von Tätigkeit im Firmenkundengeschäft bei der Deutschen Bank AG.

Im Anschluss wechselt er ins Immobilienleasinggeschäft bei Tochtergesellschaften der Dresdner Bank und der Commerzbank.

In seiner Position dort hat er zahlreiche große Projekte baulich und finanziell eigenverantwortlich übernommen – insbesondere unter Beachtung internationaler Rechnungslegungsvorschriften.
Seit 2013 bei Gracher mit Schwerpunkt Bau-Industrie und Projektentwickler.

Zur Person

Carl E Hoestermann


geb. 1961, verheiratet, 3 Kinder

1992 Management Trainee-Programm bei der Deutsche Bank AG, Frankfurt, anschl. Assistent der Geschäftsführung der Filiale Duisburg, dann Filialdirektor zweier großer Filialen.

Ende 1997 Wechsel zur HOCHTIEF AG in Essen, Leitung der Abteilungen Corporate Finance, Investor Relations und Asset Management. Zahlreiche Projekte auch im internationalen Geschäft der HOCHTIEF AG verantwortet. Ab 2004 zusätzlich stv. Vorsitzender des Vorstands des HOCHTIEF Pension Trust e.V., dem Anlagevehikel zur Ausfinanzierung der inländischen Pensionsverbindlichkeiten des Konzerns.

Langjährige internationale Management- und Projekterfahrung, u.a. großvolumige Surety-Fazilitäten für die operativen Beteiligungsgesellschaften in den USA und Kanada verhandelt.

Zur Person

Christian Wolber

Nach seiner Ausbildung zum Bankkaufmann absolvierte Herr Wolber internationale Studiengänge in Maastricht (Bachelor in International Business) mit Auslandsaufenthalt in Ecuador und HSG St. Gallen (Master in Banking & Finance).

Nach Abschluss des Studiums arbeitete er zunächst bei Barclays Capital und später bei Citigroup in London im Bereich Leveraged Finance – Kapitalmarktfinanzierung. Dort strukturierte und platzierte Herr Wolber Finanzierungslösungen für Corporate- und Private-Equity-Kunden. Anschließend wechselte er in die Finanzierungsberatung (Debt Advisory) zu Ondra Partners (ebenfalls in London).

Bei Gracher kümmert sich Herr Wolber um den Bereich Finanzierungsberatung. Neben seiner langjährigen Erfahrung im Finanzierungsgeschäft verfügt er über ein weitreichendes Netzwerk an Finanzierungspartnern, bestehend aus Banken, Kreditfonds (Private Debt), Mezzanine-Anbietern sowie zahlreichen sonstigen alternativen Kreditgebern.

Zur Person

Horst Wingenter

Ausbildung zum Bankkaufmann. Innenleiter bei einer Privatbank. Prokurist und Direktor bei zwei internationalen Großbanken. Mitglied der Geschäftsleitung bei Gracher. Beirat mit Sonderaufgaben. Strategieberater. Datenschutzbeauftragter.

Zur Person

Alfons Maria Gracher

verheiratet, drei Kinder

Bankkaufmann, Studium der Betriebswirtschaftslehre, seit 2000 geschäftsführender Gesellschafter der Gracher Kredit- und Kautionsmakler GmbH und Co. KG, heute Deutschlands größtem Kautionsdienstleister.

Als Fachreferent und Mitglied des Fachausschusses Finanzen der IHK wird er unter anderem zur Umsetzung von Richtlinien und Regelungen der Europäischen Kommission konsultiert.

Seit 2013 Gründungs- und Vorstandsmitglied des BARDO e.V., hier leitet er den Fachausschuss Kaution. Als Gründungsmitglied der Surety Alliance ist er international vernetzt.