Zum Rechtlichen:
ich habe (dummerweise) mal vor 10 Jahren eine Altersvorsorge bei Clerical Medical abgeschlossen. Zwischenzeitlich habe ich sie stillgelegt.
Ich dachte: Klar, die haben einen Sitz in Deutschland. Alles gut. Pustekuchen: Es gilt irisches Recht. War bereits vor dem europäischen Gerichtshof....
D.h. mit meiner Ansicht, aus dem Blickwinkel des deutschen Rechts, habe ich überhaupt keine Chance gegen diesen Vertrag. Das Geld ist verloren.

Advertising on Instagram From the start, Instagram was created to become a business. Advertising is one of many ways that Instagram can become a self-sustaining business, but not the only one. Our intention in updating the terms was to communicate that we’d like to experiment with innovative advertising that feels appropriate on Instagram. Instead it was interpreted by many that we were going to sell your photos to others without any compensation. This is not true and it is our mistake that this language is confusing. To be clear: it is not our intention to sell your photos. We are working on updated language in the terms to make sure this is clear.

Ownership Rights Instagram users own their content and Instagram does not claim any ownership rights over your photos. Nothing about this has changed. We respect that there are creative artists and hobbyists alike that pour their heart into creating beautiful photos, and we respect that your photos are your photos. Period.

Eine umstrittene Passage, die die ungefragte Nutzung von Bildern für Werbezwecke - ohne Honorar - ermöglicht hätte, werde gestrichen, teilte das Unternehmen mit.
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Außerdem sei die Befürchtung übertrieben, dass Instagram-Bilder in Werbeanzeigen auftauchen könnten, erklärte Systrom. "Wir haben keine solchen Pläne und werden deswegen die Formulierung entfernen, die diese Frage aufkommen ließ."

To be clear: it is not our intention to sell your photos. We are working on updated language in the terms to make sure this is clear.
[...]
The language we proposed also raised question about whether your photos can be part of an advertisement. We do not have plans for anything like this and because of that we’re going to remove the language that raised the question.