Privatbank IHAG Zürich ("IHAG") makes its website (i.e. the content and web pages accessible at the www.pbihag.ch web address, ("the Site")) 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 Site.
Access
IHAG makes the content of the Site available to you for private information purposes only. By accessing the content on the Site, you declare that you agree to the version of the Conditions of Use that is valid at that time.
No offer – information only
The content of the Site is provided for information only and does not constitute recommendations, incitements or offers to enter into any form of contract. In particular, the Site does not contain any investment, legal or tax advice. IHAG 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 Site. Beyond these Conditions of Use, you cannot enter into a contractual relationship with IHAG, or take any legally binding action in relation to an existing contractual relationship with IHAG simply by establishing contact with IHAG via the Site (specifically by completing the contact form). In particular, the Site cannot be used to issue any orders or to issue any binding communications.
Exclusion of liability
To the extent permitted by law, IHAG does not accept any liability whatsoever for losses resulting from or in connection with the Site or its use.
Exclusion of warranty
IHAG makes no assurances and assumes no guarantee whatsoever for the correctness, quality, appropriateness, completeness, up-to-date nature or completeness of the Site 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 Site.
Data protection and banking confidentiality
IIHAG treats in confidence all data that is transmitted to IHAG in connection with your use of the Site. 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 Site 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 Site, including all content and design, is protected by copyright. You may view the Site's web pages and content for your own personal, private use. Where the site 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 license or usage rights to those protected marks and/or names. The Site and its content may not be used in any other way.
Links to other sites
As is the nature of the world-wide web, IHAG may provide links to third-party websites from its own web pages. IHAG accepts no responsibility whatsoever for third-party websites, and you acknowledge that you access websites and web pages beyond the Site at your own risk.
Relation to specific conditions of use
Access to certain areas of the Site, or the use of such areas (e.g. publications and online banking) may be subject to specific conditions of use. Should these 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 Site, 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 Site and with the Conditions of Use.
IHAG 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 Site. The present Conditions of use are dated: January 2005.
