Important Legal Information

Anyone viewing information on Web pages published by St. Columbanus AG (hereinafter “STCAG”) implicitly agrees to the terms and conditions set out below. Any special agreements concerning individual STCAG products and services apply in addition to these terms and conditions or, if there is a conflict, take precedence over them.

1. Access

None of the information on these Web pages is intended for persons or companies from countries in which viewing such information entails any form of registration requirement on STCAG’s part. Furthermore, persons subject to a jurisdiction that prohibits viewing information on these STCAG Web pages are not permitted to view said information.

2. No offer or recommendation

None of the information on these Web pages in any way constitutes an offer or a solicitation of an offer to buy or sell products or services. It is intended solely for information purposes and for use by the recipient. Users are advised to consult a qualified person before making investment decisions or decisions of any other kind.

3. No guarantee that information is up to date, correct or complete

STCAG constantly reviews and updates the information on its Web pages. Despite its best efforts, this information may nevertheless be out of date or based on incorrect data provided by third parties. STCAG therefore accepts no liability for the information provided being up to date, correct and complete.

4. Linked Web pages

Users must be aware that STCAG has no control whatsoever over third-party Web pages linked to or from STCAG Web pages and therefore accepts no liability for the content of such Web pages being correct, complete and legally valid or for the products and services offered on such Web pages. 
STCAG’s express, written permission must always be sought before including a link to an STCAG Web page on a third-party Web page.

5. Changes and additions

STCAG reserves the right to make changes and additions to the information provided at any time without prior notice.

6. Local legal restrictions

The STCAG website is not intended for persons subject to a jurisdiction that prohibits the publication of or access to the STCAG website due to their nationality or domicile or for any other reason. Persons subject to such restrictions may not access the STCAG website.

7. Copyright

The content and structure of these Web pages are protected by copyright. Individual pages and/or sections of the STCAG website may be stored or printed out, provided neither the copyright information nor any legally protected trademarks are removed. Anyone saving software or other data provided on the STCAG website or reproducing it in any other way implicitly agrees to the conditions of use. All intellectual property rights remain with STCAG. The STCAG website may not be reproduced in full or in part, in particular its text and images, forwarded electronically or by any other means, altered, linked to or otherwise used for public or commercial purposes only with STCAG’s prior approval.

8. Exclusion of liability

STCAG expressly accepts no liability for losses or damages of any kind arising from using or accessing the STCAG website or links to third-party websites or from viewing information on its Web pages. Furthermore, STCAG accepts no liability for any unauthorised manipulation of users’ IT systems. STCAG expressly draws users’ attention to the risk of viruses and the threat of hacker attacks. Using the latest browser version and antivirus software is thus strongly recommended. E-mails from unknown senders should not be opened.

9. Data protection and data transfer security

STCAG expressly draws users’ attention to the fact that data are transferred via public networks such as the Internet or e-mail services, which can be accessed by anyone. STCAG cannot guarantee the confidentiality of messages or documents sent via such public networks. Anyone sending personal information (such as senders’ and recipients’ names and addresses) via a public network should be aware that third parties may be able to view, store and use it without their permission. Third parties may thus be able to deduce existing or prospective accounts and business relationships. Even if the sender and recipient are in the same country, data transferred between them often pass through other countries, including countries that do not offer the same level of data protection as the country in question, without being subject to any controls.
Data may be lost or intercepted by unauthorised third parties during the transfer process. STCAG accepts no liability for the security of data transferred via the Internet or for direct or indirect data loss.

10. Risks

The value of investments may fall as well as rise. Past performance cannot necessarily be taken as a guarantee of positive trends in the future. Furthermore, prospective investors should inform themselves of the potential tax implications of purchasing, owning and selling investment products in their place of domicile and, if necessary, seek advice locally.

Important legal information – St. Columbanus AG – All rights reserved