Privatbank IHAG Zürich AG (hereinafter referred to as the "Bank") makes its website (i.e. the content and web pages accessible at the www.pbihag.ch web address (hereinafter referred to as the "Website")) available to you under the terms of the following Conditions of Use. Citizens of the USA, Canada and the UK or persons resident in the USA, Canada and the UK, as well as persons who are subject to any form of legal restriction (e.g. owing to their nationality or place of residence) are not permitted to access the Website.
Access
The Bank provides the content of the Website for personal information purposes only. By accessing the content of the Website, you confirm that you have read, understood and accepted the latest version of the Information and Conditions of Use.
No offer – information only
The content of the Website is provided for information only and does not constitute recommendations, incitements or offers to enter into any form of contract. In particular, the Website does not contain any investment, legal or tax advice. The Bank recommends that you consult your investment advisor for further information. On no account should investment decisions be made on the basis of the content of this Website. Beyond these Conditions of Use, you cannot enter into a contractual relationship with the Bank, or take any legally binding action in relation to an existing contractual relationship with the Bank simply by establishing contact with the Bank via the Website (specifically by completing the contact form). In particular, the Website cannot be used to issue any orders or to issue any binding communications.
Exclusion of liability
To the extent permitted by law, the Bank does not accept any liability whatsoever for losses resulting from or in connection with the Website or its use.
Exclusion of warranty
The Bank makes no assurances and assumes no guarantee whatsoever for the correctness, quality, appropriateness, completeness, up-to-date nature or presence of the Website content. Any and all guarantees are expressly excluded.
Similarly, no guarantee whatsoever is offered in respect of the technical availability, suitability or fault-free nature (including faulty functions such as viruses or changes resulting from interference by third parties ("hacking")) of the Website.
Data protection and banking confidentiality
The Bank treats in confidence all data that is transmitted to it in connection with your use of the Website. It does not pass such data on to third parties. This includes information about the computer systems used by you and the personal data that you may disclose, for example when completing the "Contact" form.
Your accessing the Website involves data being transmitted unchecked across international boundaries via the internet, i.e. a public network that is accessible to all. You acknowledge that, under certain circumstances, all of the associated data, including that which falls under Swiss banking confidentiality regulations, may be viewed without restriction and may also be used in some manner. As such, compliance with Swiss banking confidentiality regulations cannot be guaranteed. Users are reminded that Swiss law (e.g. banking confidentiality and data protection legislation) applies on Swiss territory alone. Consequently, data that is transmitted abroad ceases to enjoy protection under Swiss law.
Intellectual property rights
The Website, including all content and design, is protected by copyright. You may view the Website's web pages and content for your own personal, private use. Where the Website uses protected marks and/or names (e.g. registered trademarks), you are permitted to view them within the terms of these Conditions of Use. You are not granted any further licence or usage rights to those protected marks and/or names. The Website and its content may not be used in any other way.
Links to other sites
As is the nature of the world-wide web, the Bank may provide links to third-party websites from its own Website. The Bank accepts no responsibility whatsoever for third-party websites, and you acknowledge that you access websites and web pages beyond the Website at your own risk.
Relation to specific conditions of use
Access to certain areas of the Website, or the use of such areas (e.g. publications and online banking) may be subject to specific conditions of use. Should the present Conditions of Use contradict the specific conditions of use, then the latter will take precedence. The various provisions otherwise complement each other.
Applicable law / place of jurisdiction
Access to the Website, as well as the Conditions of Use, are subject to Swiss law. Notwithstanding any imperative provisions in law, Zurich is the sole place of jurisdiction for any and all disputes arising in connection with access to the Website and with the Conditions of Use.
The Bank reserves the right to amend the Conditions of Use at any time without notice. The amended Conditions of Use become binding upon their publication on the Website. The present Conditions of use are dated: January 2005.
