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The Finanzfit project is co-financed by the ERASMUS+ programme of the European Union.


Westdeutscher Handwerkskammertag (WHKT) 

Volmerswerther Strasse
7940221 Duesseldorf

T. +49 211 3007-700
E. kontakt[ ät ] 

All content published on this server by the Westdeutscher Handwerkskammertag - in particular texts, images, graphics, sound, video or animation files including their arrangement on the web pages - is subject to copyright unless otherwise expressly stated. Any use not permitted by copyright law - in particular for copying, editing, translation, storage, processing or reproduction of contents in databases or other electronic media and systems - requires prior express written permission. Permission is granted by the responsible persons named in the imprint.

The reprinting and evaluation of press releases and speeches is expressly permitted with a reference to the source.

Furthermore, pictures, graphics, text or other files may be subject to the copyright of third parties in whole or in part. All brand names and trademarks mentioned within the Internet offer and, if applicable, protected by third parties are subject without restriction to the provisions of the respective valid trademark law and the ownership rights of the respective registered owners. The mere mention of a brand name in our internet offer does not imply that the brand name is not protected by the rights of third parties. 

The Westdeutsche Handwerkskammertag has carefully checked all information provided in this area to the best of its knowledge and belief. However, no guarantee is given for the topicality, correctness, completeness or quality and constant availability of the information provided.

Notwithstanding the provisions of § 675 (2) BGB, the Westdeutsche Handwerkskammertag and its employees are not liable for damages resulting from the use or non-use of the information or data provided on this website. This also applies to any damage caused by computer viruses when calling up or downloading data or when installing or using software.

This exclusion of liability does not apply to liability due to intent and if damage due to injury to life, body or health is due to a negligent breach of duty on the part of the West German Chamber of Crafts or to an intentional or grossly negligent breach of duty by a legal representative or vicarious agent.

Furthermore, damages caused by the West German Chamber of Skilled Crafts and Small Businesses through gross negligence or by their legal representatives or vicarious agents through intent or gross negligence are not excluded.

Furthermore, the exclusion of liability does not apply to liability due to the violation of essential obligations and if the Westdeutsche Handwerkskammertag has expressly assumed a guarantee for a certain characteristic. Essential obligations are those obligations, the violation of which would endanger the achievement of the purpose of the contract or the purpose of the mutual relations, or the fulfilment of which only makes the proper execution of the contract or the mutual legal relations possible at all and on the observance of which the injured party may regularly rely, whereby in this case, in the case of simple negligence, liability is only assumed for the contract-typical, reasonably foreseeable damage.

The exclusion of liability also does not apply to damages which are covered by liability according to mandatory legal regulations. This applies in particular to the liability according to § 839 BGB (liability for breach of official duty).

Specially marked Internet pages reflect the opinions and findings of the persons named there.

The Westdeutsche Handwerkskammertag expressly reserves the right to change, supplement or delete individual web pages or the entire offer without special notice or to discontinue publication temporarily or permanently. 

Links and references (so-called disclaimers)
By cross-referencing to the websites of other providers (link), the Westdeutsche Handwerkskammertag merely provides access to the use of these contents. It is not responsible for the content of these websites. Only the respective provider of the linked website is liable for illegal, incorrect or incomplete content and in particular for damages resulting from the use or non-use of such content and information.

At the time of the initial linking to these Internet offers, the editorial staff of the West German Chamber of Crafts Association checked these contents to the best of their knowledge and belief to determine whether they could give rise to any civil or criminal liability. However, no such responsibility could be established. However, the content of these pages can be changed at any time without the knowledge of the West German Chamber of Crafts. As soon as the West German Chamber of Skilled Crafts establishes or is informed by a third party that a linked web page triggers civil or criminal liability, it will immediately remove the link, as far as this is technically possible. 


There are no plugins integrated on this website which transmit data directly to Facebook. However, when using our Facebook fan page, visitor data is recorded and made available to us via so-called Facebook page insights. Page-Insights are summarized data that can be used to find out how visitors interact with our Facebook fan page. This data is collected in accordance with Art. 6 Para. 1 f DSGVO, as we have a legitimate interest in using the Facebook fan page as a means of communication. The operation of the fan page without page insights is not intended by Facebook. Further information on Page-Insights can be found at

The Internet offer of the West German Chamber of Crafts and Small Businesses is directed equally at men and women, unless otherwise expressly stated. Due to the better readability and comprehensibility of the texts, however, only the male form of person is generally used.

All legal disputes arising from this website are subject exclusively to German law. 

Complaints/dispute resolution

Under the link the EU Commission provides a platform for out-of-court dispute resolution. This gives consumers the opportunity to resolve disputes in connection with their online order/service, initially without the involvement of a court. 

General duty to inform according to § 39 Consumer Dispute Settlement Act (VSBG): The WHKT does not participate in dispute settlement proceedings in the sense of the VSGB.

Managing Director Dr. iur. Florian Hartmann