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Important legal information

Please read the following important legal information carefully. By accessing the website of Banque J. SAFRA SARASIN (Monaco) SA (hereinafter referred to as "Banque J. Safra Sarasin (Monaco) SA") you declare that you have understood the important legal information and that you agree with it. 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 website of Banque J. Safra Sarasin (Monaco) SA.
Local legal restrictions
The Banque J. Safra Sarasin (Monaco) SA website is not intended for persons (natural persons or legal entities) for which use of or access to the Banque J. Safra Sarasin (Monaco) SA website would contravene the laws of their state (on account of nationality or domicile/registered office of the person concerned or for other reasons). Such persons are not permitted to access the website of Banque J. Safra Sarasin (Monaco) SA. This applies in particular to citizens and inhabitants of the USA.
Persons with residence/registered office in a country for which a subsidiary company of J. Safra Sarasin Group domiciled in that country maintains its own website are requested to switch to the relevant website (overview of subsidiary companies).
The contents of this website present Banque J. Safra Sarasin (Monaco) SA. Not all the investment instruments, products and services presented on this website are available or suitable for people in all countries. Whether an investment instrument, a product or a service may be offered to a certain person depends on the provisions of law and regulations applicable in the relevant country.
Ownership rights, copyright and trademark rights
The entire contents (including all elements contained in them) of the Banque J. Safra Sarasin (Monaco) SA website are protected by copyright (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 J. Safra Sarasin Group and are registered in a number of jurisdictions.
Use of the Banque J. Safra Sarasin (Monaco) SA website does not grant the user any right to the contents, software, a registered trademark or other element of the Banque J. Safra Sarasin (Monaco) SA website. All ownership rights remain with Banque J. Safra Sarasin (Monaco) SA or third parties as the case may be. Any reproduction (full or partial), transmission (electronically or by other means), linking, alteration or use of the Banque J. Safra Sarasin (Monaco) SA website or of a registered trademark of Banque J. Safra Sarasin (Monaco) SA for a public or commercial purpose is not permitted without the prior written consent of Banque J. Safra Sarasin (Monaco) SA.
No offer
The contents published on the Banque J. Safra Sarasin (Monaco) SA website do not constitute an invitation or offer to acquire, hold or sell the investment instruments mentioned on this website or other products nor an invitation or offer to engage in other transactions or legal business. They serve exclusively the purpose of personal use and informational purposes and, as with this important legal information, they may be changed by Banque J. Safra Sarasin (Monaco) SA at any time without prior notification.
The contents provided on the Banque J. Safra Sarasin (Monaco) SA website are not recommendations or decision aids for your investment decisions or other decisions and they do not constitute any type of advice. It is recommended that expert advice be taken before an investment decision is made.
No guarantee
Banque J. Safra Sarasin (Monaco) SA takes the greatest possible care when compiling contents on this website. However, Banque J. Safra Sarasin (Monaco) SA and their contracting parties provide no guarantee (including liability in respect of third parties) concerning correctness, up-to-dateness and completeness of contents on this website. In particular, there is no obligation on the part of Banque J. Safra Sarasin (Monaco) SA to update the contents or to remove contents on this website that are obsolete.
Furthermore, Banque J. Safra Sarasin (Monaco) SA 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 viruses and other harmful elements and programs.
Risk/performance
The following fundamental principle applies: the higher the risk (fluctuations in rates) the longer the investment duration should be and the higher the potential profits. The value of the capital invested and the income from it (e.g. payments in connection with investment funds) are subject to fluctuations and they may cease altogether. Investments in foreign currencies are subject to direct and indirect exchange-rate fluctuations. As a matter of principle, individual financial products are subject to higher risks (e.g. investment funds which invest predominantly in emerging markets and/or in shares of low-capitalised companies and/or in high-coupon bonds). Positive past performance is therefore no guarantee of a positive performance in the future. Banque J. Safra Sarasin (Monaco) SA can therefore provide no guarantee of preservation of value (or an increase in value) of the capital invested and investors must be prepared and be in a position to accept substantial losses or even total losses.
Exclusion of liability
Banque J. Safra Sarasin (Monaco) SA and their contracting parties refuse, where legally permissible, to accept any liability (including negligence and liability in respect of third parties) for any losses from direct, indirect or consequential losses of any type associated with the use of this website and contents included therein or with the risks of financial markets.
Linked websites
Using a link may cause you to leave the Banque J. Safra Sarasin (Monaco) SA website. Banque J. Safra Sarasin (Monaco) SA has not checked the websites of third parties linked to this website and they accept no responsibility for their legality or their content.
Use of e-mail
The use of e-mail is voluntarily. The sending of e-mails via public networks is unprotected and they can be intercepted, read and altered by third parties. Even if the sender and recipient are in Monaco, e-mails are frequently sent uncontrolled across borders. In addition to the content, the sender and recipient of the e-mail can be seen by third parties. Consequently, a conclusion about a relationship with Banque J. Safra Sarasin (Monaco) SA is possible. This also applies for e-mails which are used in communication with Banque J. Safra Sarasin (Monaco) SA (e.g. use of the website and e-services).
Banque J. Safra Sarasin (Monaco) SA is entitled to reply by e-mail to e-mails from the user. However, subject to separate agreements, messages and orders (including payment orders) by e-mail are not binding for Banque J. Safra Sarasin (Monaco) SA for security reasons. Banque J. Safra Sarasin (Monaco) SA accepts 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 delivery of e-mails cannot be guaranteed by Banque J. Safra Sarasin (Monaco) SA. Banque J. Safra Sarasin (Monaco) SA accepts no liability for losses due to late delivery or non-delivery of e-mails.
Data processing
Banque J. Safra Sarasin (Monaco) SA 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 Banque J. Safra Sarasin (Monaco) SA website, no personal data (e.g. name, address, telephone number etc.) is recorded without the user's consent. Only personal data provided to Banque J. Safra Sarasin (Monaco) SA by the user may be stored. The user will only be asked to enter personal data if he wishes to use the interactive services on the website. However, Banque J. Safra Sarasin (Monaco) SA 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 Banque J. Safra Sarasin (Monaco) SA, or when user substantiate or maintain a client relationship with Banque J. Safra Sarasin (Monaco) SA. In particular, Banque J. Safra Sarasin (Monaco) SA 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 when outsourcing services or to authorities and courts in Monaco and abroad subject to users' consent, or without users' consent insofar as Banque J. Safra Sarasin (Monaco) SA is authorised or obliged to do so on account of statutory or regulatory provisions.
Personal data will only be used by Banque J. Safra Sarasin (Monaco) SA, Swiss and foreign subsidiaries and investment companies (hereinafter referred to as “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 Banque J. Safra Sarasin (Monaco) SA is required to do so by legal or regulatory provisions or if these third parties are involved in the service for which the personal data has been entered. Suitable security precautions are applied when personal data is stored.
Banque J. Safra Sarasin (Monaco) SA also gathers and analyses 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.
Banque J. Safra Sarasin (Monaco) SA also draws attention 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 Banque J. Safra Sarasin (Monaco) SA 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 Banque J. Safra Sarasin (Monaco) SA. 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. Banque J. Safra Sarasin (Monaco) SA 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 Banque J. Safra Sarasin (Monaco) SA website contains information. Furthermore, it is possible that these natural persons and legal entities have rendered, are rendering or will render in the future services for the issuers of such financial products, for example in investment banking, corporate finance or market-making or as board members or as managers they may have participated in their managements, be doing so now or do so in the future.
Applicable law/place of jurisdiction
Access to and use of the Banque J. Safra Sarasin (Monaco) SA website as well as this important legal information is subject to monegasque law. The place of jurisdiction is Monaco.
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