Switzerland Important legal information
Please read the following important legal information/terms and conditions
of use (hereinafter “Important Legal Information”) carefully before entering Bank J. Safra Sarasin Ltd’s
(herinafter the “Bank”) J. Safra Sarasin Asset Management Website (hereinafter referred to as the "JSS
AM Website” or the “Website”). J. Safra Sarasin Asset Management is a brand of Bank J. Safra Sarasin
Ltd. By accessing the JSS AM Website you declare that you have read and understood this Important Legal
Information and that you agree with all its terms and conditions. If you are not in agreement with individual
conditions of this Important Legal Information or if you do not wish to accept them, we ask you to leave
the JSS AM Website.
Local legal restrictions
The use of the JSS AM Website is not permitted for persons (natural persons, legal
entities or certain types of investors) for which the use of or access to the JSS AM Website would contravene
the applicable laws of their jurisdiction (on account of nationality or domicile/registered office of
the person concerned or for other reasons). This applies in particular to citizens and inhabitants of
the United States of America (“USA”).
Persons with residence/registered office in a jurisdiction in which a subsidiary,
branch or affiliate of the Bank (hereinafter “Group Company”) is domiciled and in case such company
is maintaining its own website, are kindly requested to switch to the relevant website of such Group
Company.
Not all the financial instruments, products and services presented on this Website
are available in all jurisdictions or are suitable for all investors in all jurisdictions. Whether or
not a financial instrument, a product or a service may be offered to a certain person depends on the
provisions of laws and regulations applicable in the relevant jurisdiction.
Intellectual property rights, copyright and trademark rights
The entire contents (including all elements contained in them) of the JSS AM Website
are protected by intellectual property laws including, but not limited to copyright, patent and trademark
laws (all rights reserved) belonging to the Bank, it’s Swiss and foreign entities, including but not
limited to subsidiaries and investment companies (hereinafter referred to as “J. Safra Sarasin Group").
Safra (Logo), Sarasin (Logo), Responsibly yours, Sarasin Prime Blend, Sarasin Pure
Oak, Sarasin Sustainable Investment, Sarasin Sustainability-Matrix®, Sarasin Sustainability-Matrix (Logo),
SWIPO, SWIPOC, Sarasin Swiss IPO Index, Sarasin Non Traditional AG, Sarasin International Securities
Limited and Sarasin Horizon are trademarks of either the Bank or J. Safra Sarasin Group and are registered
in a various jurisdictions.
Use of the JSS AM Website does not grant the user any right to the contents, software,
a registered trademark or other element of the JSS AM Website. All ownership rights remain with the
Bank, the J. Safra Sarasin Group or third parties as the case may be. Any reproduction (in full or partial),
transmission (electronically or by other means), linking, alteration or use of the JSS AM Websites or
of a registered trademark of the Bank or J. Safra Sarasin Group or a third party for a public or commercial
purpose is not permitted without the prior written consent of the Bank, the J. Safra Sarasin Group or
respective third party.
No offer
The information provided on this Website is for information purposes and personal
use only and does not consider the personal circumstances of any individual investor. It does not constitute
a promotion, recommendation, inducement, solicitation, invitation or offer to acquire, hold or sell
the financial instruments mentioned on this website or other (financial) products or to engage in any
services or other transactions or legal business. The information provided on the JSS AM Website including
but not limited to this Important Legal Information, may be changed at any time without prior notification.
No advice
The information and opinions provided on the JSS AM Website neither constitute nor
are they intended to be any type of advice or recommendations or intended as any kind of decision aids
for investment or other decisions. It is explicitly recommended to seek expert advice before making
any investment decision. No information contained on or accessed via the JSS AM Website may be construed
as any contractual relationship between the users of the JSS AM Website and the Bank or other providers
of such information.
No guarantee
Due care in compiling the contents on this Website has been taken. However, neither
the Bank nor any of their affiliates or contracting parties provides any guarantee (including, but not
limited to, liability in respect of content provided by third parties) concerning correctness, up-to-datedness,
reliableness and completeness of contents on this Website. In particular, there is no obligation on
the part of the Bank or any other party to update or to remove contents on this Website. All information
is provided on an “as is” and “as available” basis without any representations or guarantees.
Furthermore, the Bank accepts no responsibility and gives no guarantee that the
functions of the Website will not be interrupted or that they are free from errors, that errors will
be rectified or that the site or the relevant server is free from harmful elements and programs as for
example but not limited to computer viruses, worms, Trojan horses.
Risk/Performance
Past performance is no guarantee for future performance. Investments in foreign
currencies are subject to direct and indirect exchange-rate fluctuations. Investments in emerging markets
are subject to certain special risks, including but not limited to, a certain level of political instability,
relatively non-predictable financial market trends and economic growth patterns, a financial market
that is still developing as well as a weak economy. For some financial instruments there is no recognized
market and it may therefore be difficult to deal in such instruments or obtain information about their
value or the level of risk to which they are exposed. The value of the capital invested and the income
from it (e.g. payments in connection with investment funds) are subject to fluctuations for various
reasons and they may cease altogether. Therefore, the Bank can provide no guarantee for the performance
of financial instruments, products or services and investors must be prepared and be in a position to
accept substantial losses or even total loss of the capital invested.
Linked websites
Links provided on the JSS AM Website are being provided as a convenience and for
information purpose only. Using a link may cause you to leave the JSS AM Website. The Bank has no control
over and has not checked the websites of third parties linked to this Website and does not accept any
responsibility for their legality or their content.
Use of electronic communication
The use of electronic communication (e.g. e-mail) is voluntarily. The sending of
electronic communication via public networks is unprotected and such communication can be lost, intercepted,
read and altered by third parties. Even if the sender and recipient are located in Switzerland, electronic
communications are frequently sent uncontrolled across borders. In addition to the content, the sender
and recipient of the electronic communication can be visible to third parties. Consequently, a conclusion
about a relationship with the Bank is possible. This also applies for electronic communications which
are used in communication with the Bank (e.g. use of the Website, other websites, e-services or social
media).
The Bank is entitled to reply by electronic communication to electronic communications
sent by the user to the Bank and/or via JSS AM Website. However, subject to separate agreements, messages
and orders (including payment orders) by electronic communication are not binding for the Bank for security
reasons. The Bank accepts no liability for losses incurred from the use of electronic communication
or due to orders placed by electronic communication not being executed or not being executed on time.
For technical reasons delivery of electronic communications cannot be guaranteed
by the Bank e.g. via JSS AM Website. The Bank accepts no liability for losses due to late delivery or
non-delivery of electronic communications.
Data processing
The Bank respects the private and personal sphere of the user and processes the
user's personal data, insofar as personal data is to be recorded at the time of a visit on our website,
in accordance with the prevailing provisions of law.
When the user visits the JSS AM Website, no personal data (e.g. name, address, telephone
number etc.) is recorded without the user's consent. Only personal data provided to the Bank, e.g. via
JSS AM Website, by the user may be recorded. The user will only be asked to enter personal data if he
wishes to use the interactive services on the Website. However, the Bank points out that personal data
or personality profiles (e.g. client profile, investment profile) requiring special protection ("Personal
Data") may be collected and processed using applications, forms or questionnaires completed by
a user or on the basis of agreements that a user concludes with the Bank, or when user substantiate
or maintain a client relationship with the Bank. In particular, the Bank collects and processes Personal
Data for the following purposes: (i) Complying with statutory obligations, (ii) maintaining the client
relationship, especially in respect of providing and marketing services and investments in products
and assets by clients, and (iii) improving the quality of products and services. Personal Data will
be passed on to J. Safra Sarasin Group companies, to third-party service providers in case services
are outsourced or to authorities and courts in Switzerland and abroad subject to users' consent, or
without users' consent insofar as the Bank is authorized or obliged to do so on account of statutory
or regulatory provisions.
Personal data will only be used by the Bank or J. Safra Sarasin Group for the purpose
specified at the time of entering the data and for marketing purposes. Personal data will only be forwarded
to third parties insofar as the Bank is required to do so by legal or regulatory provisions or if such
personal data is required by third parties for the provision of services for which the personal data
has been entered. Suitable security precautions are applied when personal data is stored.
The Bank may gather and analyse anonymous data relating to use of their website,
e.g. the number of visits to the site, pages visited, duration of sessions, IP addresses etc. in order
to assess the benefit provided by the site. However, data recorded in this way is used exclusively for
statistical purposes and it is not forwarded to third parties outside the J. Safra Sarasin Group except
in case for compliance with legal and regulatory requirements.
Attention is also drawn to the fact that when a user accesses this Website, cookies
(strings of information sent by a website and stored on the user's computer) can be stored or accessed
temporarily on the user's computer. This allows the Bank 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 the Bank/JSS AM Website. By modifying Internet browser settings the user can
prevent cookies from being placed on his computer. Depending on the browser settings selected, blocked
cookies may reduce the functionality of the website or prevent access to it. The Bank accepts no liability
for such a restriction of the Website.
Possible conflicts of interest
The J. Safra Sarasin Group and/or their board members, managers or staff may have
invested in financial products in the past or they may be currently investing in financial products
or invest in financial products in the future about which the Bank contains information. Furthermore,
it is possible that J. Safra Sarasin Group and/or their board members, managers or staff have rendered,
are rendering or will render in the future services for the issuers of financial products about which
the Bank contains information, for example in investment banking, corporate finance or market-making
services or as board members or as managers they may have participated in their managements, be doing
so now or may do so in the future.
Certain sites or areas of the JSS AM Website or other websites of the Bank or the
J. Safra Sarasin Group may contain additional terms, conditions, and important legal information (hereinafter
“Additional Terms”). In case of conflict between this Important Legal Information and the Additional
Terms, the Additional Terms will govern the respective sites or areas of the Website or other websites
of the Bank or the J. Safra Sarasin Group.
Reference sources for investment funds
The legal bases of an investment fund named in the following financial products
section can be obtained free of charge by investors domiciled in Switzerland from the following addresses:
Bank J. Safra Sarasin Ltd
(as representative, payment office or sales agent for investment funds with fund
domicile outside Switzerland and custodian bank or sales agent for investment funds with fund domicile
in Switzerland)
J. Safra Sarasin Investmentfonds AG
(as fund manager for investment funds with fund domicile in Switzerland)
Applicable law/place of juristiction
Access to and use of the JSS AM Website as well as this Important Legal Information
is subject to Swiss law. The place of jurisdiction is Basel.
Performance & tracking cookies
We use performance & tracking cookies to improve our website on a continual
basis and to be able to provide you with the best possible online experience that is tailored to your
needs.
Your cookie settings to protect your privacy for this site
Germany Important legal information Please
read the following important legal information (hereinafter “Important Legal Information”) carefully
before visiting the website of Bank J. Safra Sarasin AG (hereinafter “the Bank”). By accessing the Bank’s
website, you acknowledge that you have read, understood, and agree to the terms and conditions set out
in the Important Legal Information. If you do not agree with or do not wish to accept the terms and
conditions of the Important Legal Information, please leave the Bank’s website.
You are prohibited from accessing the Bank’s website
if you are a natural or legal person or specific type of investor for whom using or accessing the Bank’s
website (due to your nationality or domicile/residence or owing to other reasons) contravenes the laws
of your country. This applies in particular to residents and citizens of the United States of America
(“USA”).
The information provided on the Bank’s website for clients who
are resident or domiciled in Germany is directed exclusively at institutional clients who intend to
invest solely as professional clients for commercial purposes. This group of clients is limited to lending
and financial services institutions, asset management firms and insurance companies, provided that they
have the necessary permits to pursue such business activities and are subject to supervision, as well
as to medium-sized and large corporations as defined in § 267 para. 2 and para. 3 of the Deutsches Handelsgesetzbuch
(German Commercial Code). By agreeing to this information, you declare that you meet these requirements.
If
you are resident/domiciled in a country in which a subsidiary, branch or an affiliate company of the
Bank (hereinafter “Group Company”) is domiciled and maintains its own website, then please visit the
website of this Group Company (overview of companies) instead.
Not all of
the financial instruments, products and services listed on this website are available in all countries
or are suitable for all investors in all countries. Whether a specific investment instrument, product
or service may be offered to you depends on the applicable legal and supervisory regulations of your
country
Intellectual
property, trademarks and copyrights
All of the content on the Bank’s
website (including all of the materials contained therein) is protected by intellectual property rights,
including, but not limited to trademarks, patents and copyrights (all rights reserved).
Safra
(Logo), Sarasin (Logo), Responsibly yours, Sarasin Prime Blend, Sarasin Pure Oak, Sarasin Sustainable
Investment, Sarasin Sustainability-Matrix®, Sarasin Sustainability-Matrix (Logo), SWIPO, SWIPOC, Sarasin
Swiss IPO Index, Sarasin Non Traditional AG, Sarasin International Securities Limited and Sarasin Horizon
are trademarks of the Bank or of the J. Safra Sarasin Group and are registered in various countries.
Using
the Bank’s website does not grant you any rights to the content, the software, the registered trademarks
or any other materials on the Bank’s website. All ownership rights remain with the Bank or third parties,
as the case may be. Any reproduction (full or partial), transmission (electronic or by other means),
linking, alteration or use of the Bank’s website or of a registered trademark of the Bank for a public
or commercial purpose is not permitted without the prior written consent of the Bank.
No
offer
The information and materials published on this website are
provided solely for information purposes and personal use as they do not take into account the personal
situation of individual investors. They do not constitute an advertisement, recommendation, incentive,
solicitation, invitation or an offer to buy, hold or sell any investment instruments or other (financial)
products mentioned on this website, nor are they a solicitation to use other services or to effect other
transactions, or to enter into legal transactions. The information and materials provided by the Bank
on the website, including this Important Legal Information, may be changed by the Bank at any time without
prior notification.
No
advice
The information and views provided on the website are not to
be construed as recommendations or advice, nor as any type of tool to be used for taking investment
decisions or any other decisions. The Bank recommends that you seek the advice of a qualified expert
before taking an investment decision. The information that is provided on the Bank’s websites or which
can be accessed via the Bank’s websites does not establish a contractual relationship of any sort between
the user of the website and the Bank or third parties that provide this type of information.
No
guarantee
The Bank takes the greatest possible care in compiling the
contents of this website. However, neither the Bank nor its affiliated companies provide any guarantee
as to the accuracy, timeliness, reliability or completeness of the information published on this website
(including any content provided by third parties). In particular, the Bank is not under any obligation
to update the content of this website or to remove outdated content from it. All the information and
data are provided "as is" and "as available" without any representations or warranties
of any kind.
The Bank gives no guarantee that the functions on this website
will not be uninterrupted or that they are free from errors or disturbances, that errors will be rectified
or that the website or the relevant server is free from malware and other harmful elements and programs,
such as computer viruses, worms or trojans.
Risk
disclosure / Performance
Past performance should not be taken as a
guarantee of future performance. Investments in foreign currencies are directly and indirectly affected
by exchange rate fluctuations. Investments in emerging markets entail certain special risks, including,
but not limited to a certain degree of political instability, largely unpredictable (financial) market
performance and economic growth, a financial market that is still developing as well as a weak economy.
There is no recognised market for certain financial instruments. For this reason, it may be difficult
to trade these financial instruments or to find information about their value or about the associated
risks. The value of the invested funds as well as the income derived from them (e.g. distributions from
investment funds) is subject to fluctuations and may be completely lost. The Bank can give no assurances
with regard to the provision of products and services or the performance of financial instruments mentioned
on this website. Investors must be prepared and capable of sustaining considerable losses and even the
complete loss of all the funds they have invested.
Exclusion
of liability
Where legally permissible, the Bank and its affiliated
companies or contractual partners or third parties assume no liability (including, but not limited to
negligence and liability in respect of third parties) for any losses from direct, indirect or consequential
losses or damages of any kind associated with the use of this website and its content or with the risks
of financial markets.
Links
to websites
The links on the Bank’s website are provided without guarantee
and solely for your convenience and information. The use of one of these links may cause you to leave
the Bank’s website. The Bank has not checked and does not have any control over the websites of third
parties linked to this website and assumes no responsibility whatsoever for their legality or their
content.Use of e-mail
The
use of e-mail is voluntary. The sending of e-mails via public networks is unprotected, and they may
become lost or be intercepted, read and altered by third parties. In particular, e-mails may leave the
country unchecked – even when both sender and recipient are in Switzerland. In addition to the content,
the sender and recipient of the e-mail can be seen by third parties, who can therefore surmise that
a relationship with the Bank exists. This also applies for e-mails which are used in communication with
the Bank (e.g. use of the website, e-services or social media).
The Bank
is entitled to reply by e-mail to e-mails received from you. However, subject to separate agreements,
messages and orders (including payment orders) by e-mail are not binding for the Bank for security reasons.
The Bank assumes no liability for losses incurred from the use of e-mail or due to orders placed by
e-mail not being executed or not being executed on time.
For technical reasons,
the delivery of e-mails cannot be guaranteed by the Bank. The Bank assumes no liability for losses due
to late delivery or non-delivery of e-mails.
Data
processing
The Bank respects your privacy and processes your personal
data, insofar as personal data is to be recorded at the time of a visit to this website, in accordance
with the prevailing provisions of the law.
When you visit the Bank’s website,
no personal data (e.g. name, address, telephone number, etc.) is recorded without your consent. Only
personal data provided to the Bank by you may be stored. You are only requested to enter your personal
data if you wish to use the website’s interactive services. The Bank would like to point out that it
can use and process sensitive personal data or personality profiles that you provide on applications,
forms or other questionnaires (e.g. customer profiles, investment profiles) or for agreements that you
conclude with the Bank, or which is collected when an account is opened or managed by the Bank. The
Bank records and processes personal data for the following purposes in particular: (i) compliance with
legal requirements, (ii) maintaining customer relations, particularly with regard to providing and marketing
services and investments in financial products and client assets, and (iii) improving the quality of
our products and services. Submitting personal data to the J. Safra Sarasin Group, to third-party service
providers when outsourcing services, or to courts and authorities in Switzerland and abroad can occur
either with or without your consent, provided that the Bank is authorised or required to do so based
on legal or supervisory regulations.
Personal data is used by the Bank,
its units in Switzerland and abroad, including, but not limited to subsidiaries and investment companies
(hereinafter “the J. Safra Sarasin Group”) only for the purpose for which it was collected at the time
and for marketing purposes. Personal data is only submitted to third parties if the Bank is required
to do so by legal or supervisory regulations or if this personal data is necessary in order for the
third party to provide the services for which the personal data was collected. Personal data is saved
using the appropriate security precautions.
Furthermore, in connection with
your use of its website, the Bank collects and analyses anonymised data, such as the number of times
you visit the site, the pages you visited, duration of your sessions, your IP address, etc. in order
to gauge the website’s usefulness. However, the data that are gathered in this manner are used solely
for statistical purposes and are not passed on to third parties outside of the J. Safra Sarasin Group,
unless it is necessary to do so in order to comply with legal and supervisory regulations.
Moreover,
the Bank would like to point out that when you access the website, cookies (strings of information that
are sent by a website and stored by your browser) are temporarily stored on your computer or can be
accessed via your computer. This enables the Bank to identify which computer is accessing its website
and thus to provide navigation shortcuts for your benefit. Only a minimum of information is recorded
in the cookies used by the Bank. By changing the settings in your internet browser, you can prevent
cookies from being stored on your computer. Depending on which browser settings you have selected, blocked
cookies may reduce the functionality of the website or prevent you from accessing it. The Bank cannot
be held liable for any such limitations to the website.Your cookie settings to protect your privacy for this site
Potential
conflicts of interest
The J. Safra Sarasin Group and/or its board
members, managers or staff may have previously invested in, may be currently investing in or may in
the future invest in financial products about which this website contains information. Furthermore,
it is possible that the J. Safra Sarasin Group and/or its board members, managers or staff have rendered,
are rendering or will render in the future services that are described on the Bank’s website for the
issuers of such financial products, for example in investment banking, corporate finance or market making,
or they may have served, may be serving or may serve in the future in their management as board members
or as managers.
Other pages or sections of the Bank’s website may contain
additional provisions, requirements and Important legal information (hereinafter “Additional Provisions”).
In the event of a discrepancy between this Important legal information and the Additional Provisions,
the latter shall prevail for the relevant page or relevant sections of the Bank’s website.
Sourcing
of investment funds
Investors resident or domiciled in Germany may
write to the addresses below to obtain free information about the legal bases for the investment funds
which are listed in the following section on financial products:
Sarasin Investmentfonds,
SICAV and Sarasin Multi Label SICAV, Luxembourg:Applicable law / Place
of jurisdiction
Access to and use of the Bank’s website as well as
this Important Legal Information are subject to Swiss law. The place of jurisdiction shall be Basel.
Luxembourg Important legal information
Please read the following important legal information/terms and conditions
of use (hereinafter “Important Legal Information”) carefully before entering the J. Safra Sarasin Asset
Management Website (hereinafter referred to as the "JSS AM Website” or the “Website”). J. Safra
Sarasin Asset Management is a brand of Bank J. Safra Sarasin Ltd (hereinafter referred to as the “Bank”).
By accessing the JSS AM Website you declare that you have read and understood this Important Legal Information
and that you agree with all its terms and conditions. If you are not in agreement with individual conditions
of this Important Legal Information or if you do not wish to accept them, we ask you to leave the JSS
AM Website.
Local legal restrictions
The use of the JSS AM Website is not permitted for persons (natural persons, legal
entities or certain types of investors) for which the use of or access to the JSS AM Website would contravene
the applicable laws of their jurisdiction (on account of nationality or domicile/registered office of
the person concerned or for other reasons). This applies in particular to citizens and inhabitants of
the United States of America (“USA”).
Persons with residence/registered office in a jurisdiction in which a subsidiary,
branch or affiliate of the Bank (hereinafter “Group Company”) is domiciled and in case such company
is maintaining its own website, are kindly requested to switch to the relevant website of such Group
Company.
Not all the financial instruments, products and services presented on this Website
are available in all jurisdictions or are suitable for all investors in all jurisdictions. Whether or
not a financial instrument, a product or a service may be offered to a certain person depends on the
provisions of laws and regulations applicable in the relevant jurisdiction.
Intellectual property rights, copyright and trademark rights
The entire contents (including all elements contained in them) of the JSS AM Website
are protected by intellectual property laws including, but not limited to copyright, patent and trademark
laws (all rights reserved) belonging to the Bank, it’s Swiss and foreign entities, including but not
limited to subsidiaries and investment companies (hereinafter referred to as “J. Safra Sarasin Group").
Safra (Logo), Sarasin (Logo), Responsibly yours, Sarasin Prime Blend, Sarasin Pure
Oak, Sarasin Sustainable Investment, Sarasin Sustainability-Matrix®, Sarasin Sustainability-Matrix (Logo),
SWIPO, SWIPOC, Sarasin Swiss IPO Index, Sarasin Non Traditional AG, Sarasin International Securities
Limited and Sarasin Horizon are trademarks of either the Bank or J. Safra Sarasin Group and are registered
in a various jurisdictions.
Use of the JSS AM Website does not grant the user any right to the contents, software,
a registered trademark or other element of the JSS AM Website. All ownership rights remain with the
Bank, the J. Safra Sarasin Group or third parties as the case may be. Any reproduction (in full or partial),
transmission (electronically or by other means), linking, alteration or use of the JSS AM Websites or
of a registered trademark of the Bank or J. Safra Sarasin Group or a third party for a public or commercial
purpose is not permitted without the prior written consent of the Bank, the J. Safra Sarasin Group or
respective third party.
No offer
The information provided on this Website is for information purposes and personal
use only and does not consider the personal circumstances of any individual investor. It does not constitute
a promotion, recommendation, inducement, solicitation, invitation or offer to acquire, hold or sell
the financial instruments mentioned on this website or other (financial) products or to engage in any
services or other transactions or legal business. The information provided on the JSS AM Website including
but not limited to this Important Legal Information, may be changed at any time without prior notification.
No advice
The information and opinions provided on the JSS AM Website neither constitute nor
are they intended to be any type of advice or recommendations or intended as any kind of decision aids
for investment or other decisions. It is explicitly recommended to seek expert advice before making
any investment decision. No information contained on or accessed via the JSS AM Website may be construed
as any contractual relationship between the users of the JSS AM Website and the Bank or other providers
of such information.
No guarantee
Due care in compiling the contents on this Website has been taken. However, neither
the Bank nor any of their affiliates or contracting parties provides any guarantee (including, but not
limited to, liability in respect of content provided by third parties) concerning correctness, up-to-datedness,
reliableness and completeness of contents on this Website. In particular, there is no obligation on
the part of the Bank or any other party to update or to remove contents on this Website. All information
is provided on an “as is” and “as available” basis without any representations or guarantees.
Furthermore, the Bank accepts no responsibility and gives no guarantee that the
functions of the Website will not be interrupted or that they are free from errors, that errors will
be rectified or that the site or the relevant server is free from harmful elements and programs as for
example but not limited to computer viruses, worms, Trojan horses.
Risk/Performance
Past performance is no guarantee for future performance. Investments in foreign
currencies are subject to direct and indirect exchange-rate fluctuations. Investments in emerging markets
are subject to certain special risks, including but not limited to, a certain level of political instability,
relatively non-predictable financial market trends and economic growth patterns, a financial market
that is still developing as well as a weak economy. For some financial instruments there is no recognized
market and it may therefore be difficult to deal in such instruments or obtain information about their
value or the level of risk to which they are exposed. The value of the capital invested and the income
from it (e.g. payments in connection with investment funds) are subject to fluctuations for various
reasons and they may cease altogether. Therefore, the Bank can provide no guarantee for the performance
of financial instruments; products or services and investors must be prepared and be in a position to
accept substantial losses or even total loss of the capital invested.
Linked websites
Links provided on the JSS AM Website are being provided as a convenience and for
information purpose only. Using a link may cause you to leave the JSS AM Website. The Bank has no control
over and has not checked the websites of third parties linked to this Website and does not accept any
responsibility for their legality or their content.
Use of electronic communication
The use of electronic communication (e.g. e-mail) is voluntarily. The sending of
electronic communication via public networks is unprotected and such communication can be lost, intercepted,
read and altered by third parties. Even if the sender and recipient are located in the same country,
electronic communications are frequently sent uncontrolled across borders. In addition to the content,
the sender and recipient of the electronic communication can be visible to third parties. Consequently,
a conclusion about a relationship with the Bank is possible. This also applies for electronic communications
which are used in communication with the Bank (e.g. use of the Website, other websites, e-services or
social media).
The Bank is entitled to reply by electronic communication to electronic communications
sent by the user to the Bank and/or via JSS AM Website. However, subject to separate agreements, messages
and orders (including payment orders) by electronic communication are not binding for the Bank for security
reasons. The Bank accepts no liability for losses incurred from the use of electronic communication
or due to orders placed by electronic communication not being executed or not being executed on time.
For technical reasons delivery of electronic communications cannot be guaranteed
by the Bank e.g. via JSS AM Website. The Bank accepts no liability for losses due to late delivery or
non-delivery of electronic communications.
Data processing
The Bank respects the private and personal sphere of the user and processes the
user's personal data, insofar as personal data is to be recorded at the time of a visit on our website,
in accordance with the prevailing provisions of law.
When the user visits the JSS AM Website, no personal data (e.g. name, address, telephone
number etc.) is recorded without the user's consent. Only personal data provided to the Bank, e.g. via
JSS AM Website, by the user may be recorded. The user will only be asked to enter personal data if he
wishes to use the interactive services on the Website. However, the Bank points out that personal data
or personality profiles (e.g. client profile, investment profile) requiring special protection ("Personal
Data") may be collected and processed using applications, forms or questionnaires completed by
a user or on the basis of agreements that a user concludes with the Bank, or when user substantiate
or maintain a client relationship with the Bank. In particular, the Bank collects and processes Personal
Data for the following purposes: (i) Complying with statutory obligations, (ii) maintaining the client
relationship, especially in respect of providing and marketing services and investments in products
and assets by clients, and (iii) improving the quality of products and services. Personal Data will
be passed on to J. Safra Sarasin Group companies, to third-party service providers in case services
are outsourced or to relevant authorities and courts subject to users' consent, or without users' consent
insofar as the Bank is authorized or obliged to do so on account of statutory or regulatory provisions.
Personal data will only be used by the Bank or J. Safra Sarasin Group for the purpose
specified at the time of entering the data and for marketing purposes. Personal data will only be forwarded
to third parties insofar as the Bank is required to do so by legal or regulatory provisions or if such
personal data is required by third parties for the provision of services for which the personal data
has been entered. Suitable security precautions are applied when personal data is stored.
The Bank may gather and analyze anonymous data relating to use of their website,
e.g. the number of visits to the site, pages visited, duration of sessions, IP addresses etc. in order
to assess the benefit provided by the site. However, data recorded in this way is used exclusively for
statistical purposes and it is not forwarded to third parties outside the J. Safra Sarasin Group except
in case for compliance with legal and regulatory requirements.
Attention is also drawn to the fact that when a user accesses this Website, cookies
(strings of information sent by a website and stored on the user's computer) can be stored or accessed
temporarily on the user's computer. This allows the Bank 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 the Bank/JSS AM Website. By modifying Internet browser settings the user can
prevent cookies from being placed on his computer. Depending on the browser settings selected, blocked
cookies may reduce the functionality of the website or prevent access to it. The Bank accepts no liability
for such a restriction of the Website.
Possible conflicts of interest
The J. Safra Sarasin Group and/or their board members, managers or staff may have
invested in financial products in the past or they may be currently investing in financial products
or invest in financial products in the future about which the Bank contains information. Furthermore,
it is possible that J. Safra Sarasin Group and/or their board members, managers or staff have rendered,
are rendering or will render in the future services for the issuers of financial products about which
the Bank contains information, for example in investment banking, corporate finance or market-making
services or as board members or as managers they may have participated in their managements, be doing
so now or may do so in the future.
Certain sites or areas of the JSS AM Website or other websites of the Bank or the
J. Safra Sarasin Group may contain additional terms, conditions, and important legal information (hereinafter
“Additional Terms”). In case of conflict between this Important Legal Information and the Additional
Terms, the Additional Terms will govern the respective sites or areas of the Website or other websites
of the Bank or the J. Safra Sarasin Group.
Reference sources for investment funds
The legal bases of an investment fund named in the following financial products
section can be obtained free of charge by investors domiciled in Luxembourg from the following addresses:
Banque J. Safra Sarasin (Luxembourg) SA
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