Important legal information - Terms and Conditions

Please read carefully the following important legal information (hereinafter the "Terms and Conditions"). By accessing the website of bank zweiplus ag (hereinafter referred to as "bank zweiplus"), you are declaring that you have understood the Terms and Conditions and accept them. If you are not in agreement with individual provisions or do not wish to accept them, we ask you to leave the bank zweiplus website. On its website, bank zweiplus offers a trading platform and a number of other banking and financial services. Any separate agreement concluded between bank zweiplus and yourself or your representative (hereinafter "you") within the context of a service or product, will be supplementary to these conditions. In the event of any dispute, the provisions of the special agreement in question will take precedence.

Local legal restrictions
The bank zweiplus website is not directed at private individuals or legal entities for whom use of or access to the website would constitute a breach of their national legislation (by reason of the nationality or place of domicile/registered office of the individual/entity in question or for any other reason). Such individuals/entities are not permitted to access the bank zweiplus website. This applies in particular to citizens and/or residents of the USA.

The content of this website is intended to present bank zweiplus. Not all the investment products, products and services presented on this website are available to or suitable for persons in all countries. Whether an investment instrument, a product or a service may be offered to a certain person depends on the legal provisions and regulations applicable in their country.

Property rights, copyright and trademark rights
The content of the website and its presentations are protected by copyright (all rights reserved) and by other intellectual property rights. The holders of these rights are bank zweiplus and the product suppliers with whom it collaborates. Use of the bank zweiplus website does not afford the user any rights to the content, software, a registered trademark or any other constituent of the bank zweiplus website. All property rights remain with bank zweiplus or third parties as the case may be. Reproduction (in full or in part), transmission (electronically or by other means), linking, alteration or use of the bank zweiplus website or of a registered trademark of bank zweiplus for a public or commercial purpose shall not be permitted without the prior written consent of bank zweiplus.

No offer
The information published on the bank zweiplus website does not constitute an invitation or offer to purchase, hold or sell the investment instruments mentioned on this website or other products, nor an invitation or offer to engage in other transactions. It is exclusively for personal use and information purposes and, similarly to this Terms and Conditions, may be altered by bank zweiplus at any time without prior notice.

The information and opinions published on the bank zweiplus website do not constitute recommendations or guidance for decisions concerning your investments and other matters, nor do they have any advisory character whatsoever. You are recommended to take expert advice before making an investment decision.

No guarantee
In compiling the content of this website, bank zweiplus takes the greatest possible care. However, bank zweiplus and its contracting partners accept no guarantee (including liability in respect of third parties) as regards the accuracy, currency and completeness of the contents published on this website. In particular, bank zweiplus is not obliged to update the content of this website or to remove any content that is out of date.

Furthermore, bank zweiplus neither accepts responsibility nor guarantees that the website will function without interruption or error, or that errors will be rectified, or that the site or the server will remain free of viruses or other harmful constituents and programs.

Risk information / Performance
Fundamentally, the higher the risk (price volatility), the longer you should invest for, and the higher the potential return. The value of the capital invested and the yields (e.g. payouts paid on investment funds) may fluctuate or may be lost entirely. Investments in foreign currencies are subject to direct and indirect exchange rate fluctuations. Some financial products are essentially exposed to higher risks (e.g. investments funds that invest heavily in emerging markets and/or in small cap equities and/or high-yielding bonds. Good performance in the past is consequently no guarantee of good performance in the future. Therefore, bank zweiplus provides no guarantee of preservation of (or an increase in) the value of the invested capital, and investors must be prepared and in a position to accept substantial losses or even total losses.

Exclusion of liability
Where legally permissible, bank zweiplus and its contracting partners refuse to accept any liability (including negligence and liability in respect of third parties) arising out of any direct, indirect or consequential losses of any kind in connection with use of this website and its contents or with the risks of the financial markets. In particular, we hereby explicitly refuse to accept liability with respect to damage and losses caused through technical or other failures, transmission errors, network overloads, usage difficulties, interruptions (including during system administration), delays in the transmission of information, incompatibility between the website and your data and/or software (in particular browsers) and/or your computer, malfunctions, interference, the transfer of viruses to your computer, illegal access (for example through piracy), intentional blocking of telecommunications equipment and networks (for example following the bulk mailing of e-mails or denial-of-service attacks) or any other inadequate service provision by telecommunications or network suppliers.

Linked websites
If you use a link on the bank zweiplus website, this may direct you away from the website. bank zweiplus has not checked third party websites that are linked to this website and cannot be held liable for their legality or their content.

Use of e-mail
The use of e-mail is voluntary. The transmission of e-mail via public networks is an unprotected medium, and these messages may potentially be intercepted, read and tampered with by third parties. Even if the sender and recipient are in Switzerland, e-mails are frequently sent unchecked across borders. In addition to the content, the sender and recipient of the e-mail may be seen by third parties, so that it is possible to conclude that you may have a relationship with bank zweiplus. The same applies to e-mails that are used during communication with bank zweiplus (e.g. during use of the website and of e-services).

bank zweiplus is entitled to reply via e-mail to users’ e-mails. However, unless agreed otherwise, messages and orders (including payment instructions) sent via e-mail are not binding on bank zweiplus, for security reasons. bank zweiplus accepts no liability in any circumstances for losses incurred through the use of e-mail or through the non-execution or late execution of orders placed via e-mail.

For technical reasons, bank zweiplus cannot guarantee delivery of e-mails. bank zweiplus accepts no liability for losses due to late delivery or non-delivery of e-mails.

Data processing
bank zweiplus respects the privacy and personal sphere of the user, and if personal details are taken during a visit to our website, this data is processed in accordance with prevailing legal provisions. The user is aware that bank zweiplus may outsource website administration to a third party.

When users visit the bank zweiplus website, no personal details (e.g. name, address, telephone number etc.) are recorded without the user’s consent. Only those personal details that users provide voluntarily to bank zweiplus may be stored. Users will only be invited to enter personal details if they wish to use the website’s interactive services. bank zweiplus only uses personal details for the purpose stated when the data is entered and for marketing purposes. Personal details will only be passed on to third parties if bank zweiplus is required to do so under legal provisions or regulations, if website maintenance is outsourced to a third party or if the third parties in question are involved in the services for which the personal details were entered. Appropriate security precautions are applied during the storage of personal details.

bank zweiplus also gathers and analyses anonymous data relating to the use of its website, such as the number of hits, pages viewed, length of sessions, IP addresses etc., in order to assess the benefits offered by the site. However, data gathered in this way is used exclusively for statistical purposes and is not forwarded to third parties outside bank zweiplus.

bank zweiplus would also like to draw attention to the fact that when a user accesses this website, cookies (strings of data sent by a website and stored on the user’s computer) are temporarily stored on the user’s computer or may be called up via the user’s computer. This enables bank zweiplus to identify the computer accessing the website and thus to provide navigation shortcuts for the user’s benefit. Only a minimum of information is recorded in the cookies used by bank zweiplus. By modifying their browser settings, users may prevent cookies being downloaded to their computer. Depending on the browser settings selected, blocked cookies may reduce the functionality of the website or prevent access to it. bank zweiplus accepts no liability for such a restriction of the website.

Possible conflicts of interest
It is possible that bank zweiplus, its board members, managers, employees and shareholders may currently have or may in the past have had business or other relationships with the companies whose stocks are mentioned on the website. It is also possible that bank zweiplus, its board members, managers, employees or shareholders currently hold or have held securities that are discussed on the website.

Governing law / place of jurisdiction
Access to and use of the bank zweiplus website and this important legal information is governed by Swiss law. The place of jurisdiction is Zurich.