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Important legal information

Please read the following important legal information carefully. By accessing the website of Bank J. Safra Sarasin (Gibraltar) Ltd (hereinafter referred to as “Bank J. Safra Sarasin Ltd") 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 Bank J. Safra Sarasin Ltd.
Local legal restrictions
The Bank J. Safra Sarasin Ltd website is not intended for persons (natural persons or legal entities) for which use of or access to the Bank J. Safra Sarasin Ltd 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 Bank J. Safra Sarasin Ltd. This applies in particular to citizens and inhabitants of the USA.
Persons with residence/registered office in a country for which an affiliated  company of Bank J. Safra Sarasin Ltd domiciled in that country maintains its own website are requested to switch to the relevant website (overview of affiliated companies).
The contents of this website present Bank J. Safra Sarasin Ltd. 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 Bank J. Safra Sarasin Ltd website are protected by copyright (all rights reserved).
Safra (Logo), Sarasin (Logo), are registered trademarks of the J. Safra Sarasin Group.Use of the Bank J. Safra Sarasin Ltd website does not grant the user any right to the contents, software, a registered trademark or other element of the Bank J. Safra Sarasin Ltd website. All ownership rights remain with Bank J. Safra Sarasin Ltd 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 Bank J. Safra Sarasin Ltd website or of a registered trademark of Bank J. Safra Sarasin Ltd for a public or commercial purpose is not permitted without the prior written consent of Bank J. Safra Sarasin Ltd.
No offer
The contents published on the Bank J. Safra Sarasin Ltd 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 Bank J. Safra Sarasin Ltd at any time without prior notification.
The contents provided on the Bank J. Safra Sarasin Ltd 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
Bank J. Safra Sarasin Ltd takes the greatest possible care when compiling contents on this website. However, Bank J. Safra Sarasin Ltd 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 Bank J. Safra Sarasin Ltd to update the contents or to remove contents on this website that are obsolete.
Furthermore, Bank J. Safra Sarasin Ltd 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. Bank J. Safra Sarasin Ltd 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
Bank J. Safra Sarasin Ltd 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 Bank J. Safra Sarasin Ltd website. Bank J. Safra Sarasin Ltd 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 voluntary. 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 Gibraltar, 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 Bank J. Safra Sarasin Ltd is possible. This also applies for e-mails which are used in communication with Bank J. Safra Sarasin Ltd (e.g. use of the website and e-services).
Bank J. Safra Sarasin Ltd 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 Bank J. Safra Sarasin Ltd for security reasons. Bank J. Safra Sarasin Ltd 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 Bank J. Safra Sarasin Ltd. Bank J. Safra Sarasin Ltd accepts no liability for losses due to late delivery or non-delivery of e-mails.
Data processing
Bank J. Safra Sarasin Ltd 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 Bank J. Safra Sarasin Ltd website, no personal data (e.g. name, address, telephone number etc.) is recorded without the user's consent. Only personal data provided to Bank J. Safra Sarasin Ltd by the user may be stored.
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 J. Safra Sarasin Ltd 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 Bank J. Safra Sarasin Ltd website as well as this important legal information is subject to Gibraltar law. The place of jurisdiction is Gibraltar.
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