Legal information

By accessing the Bank CIC (Switzerland) Ltd. website, you declare that you have understood and accept the following legal information. Please therefore read the following important legal information carefully before accessing the Bank CIC (Switzerland) Ltd. website.

Restrictions on access

The Bank CIC (Switzerland) Ltd. website is not intended for persons who are forbidden by the legislation in their home country or country of residence from accessing the Bank CIC (Switzerland) Ltd. website and the content published and accessible on the Bank CIC (Switzerland) Ltd. website.
Persons who are citizens or residents of the United States of America or the United Kingdom or another country that prohibits access to the Bank CIC (Switzerland) Ltd. website or to certain content and information made available on the Bank CIC (Switzerland) Ltd. website by reason of that person's nationality, residence or otherwise, are therefore requested to leave the Bank CIC (Switzerland) Ltd. website.
By accessing the Bank CIC (Switzerland) Ltd. website, you explicitly declare that you are not a resident or citizen of any of the aforementioned countries.
Persons who are citizens or residents of Germany acknowledge and accept that the content accessible on the Bank CIC (Switzerland) Ltd. website is not intended for persons who are citizens or residents of Germany.

No offer

The content published on the Bank CIC (Switzerland) Ltd. website does not constitute an offer or a solicitation of an offer to use the services of Bank CIC (Switzerland) Ltd. or to buy or sell securities or other investment instruments, nor does it constitute an offer or a solicitation of an offer to engage in other transactions. The content available on the Bank CIC (Switzerland) Ltd. website also does not constitute an invitation to submit an offer. The content is for information purposes only. Investment decisions and other decisions must be taken in accordance with the investor's individual circumstances and needs, risk capacity and tolerance. The content made available on the Bank CIC (Switzerland) Ltd. website may therefore under no circumstances be treated as recommendations or advice to be used in making decisions on investments or any other matters. None of the information presented on the Bank CIC (Switzerland) Ltd. website constitutes advice of any kind.
It is essential that you seek the advice of a qualified specialist before making an investment decision or any other decision (on tax, legal and other matters).

No warranty

Bank CIC (Switzerland) Ltd. takes all reasonable steps in compiling and updating the content of the Bank CIC (Switzerland) Ltd. website. However, Bank CIC (Switzerland) Ltd. and its contracting partners make no warranty (including liability vis-à-vis third parties) as to the correctness, reliability and completeness of the content published on the Bank CIC (Switzerland) Ltd. website or with regard to said content being up-to-date. The content provided on the Bank CIC (Switzerland) Ltd. website is exclusively for private use and intended for information purposes only, and no representation is made as to its completeness or correctness. Bank CIC (Switzerland) Ltd. makes no warranty either explicit or implicit in respect of the content provided on its website.
Bank CIC (Switzerland) Ltd. assumes no responsibility and makes no warranty that the functions on its website will be uninterrupted or error free, that errors will be corrected or that the website or the server concerned is free from viruses or other harmful components.

Amendments

All content available on the Bank CIC (Switzerland) Ltd. website can be changed or removed at any time without prior notice or explanation to the user.

Copyright

The entire content of the Bank CIC (Switzerland) Ltd. website is subject to copyright (all rights reserved). The logo of Bank CIC (Switzerland) Ltd. is a registered trademark. By accessing the Bank CIC (Switzerland) Ltd. website, users do not acquire any rights with regard to the content, software, registered trademarks or any other element of the Bank CIC (Switzerland) Ltd. website. The downloading or printing out of individual pages and/or sections as well as any reproduction or use of the Bank CIC (Switzerland) Ltd. website and the Bank CIC (Switzerland) Ltd. logo for private, public, non-commercial or commercial purposes without the prior written approval of Bank CIC (Switzerland) Ltd. is prohibited.

Performance (risk disclosure)

Positive performance in the past is no guarantee of positive performance in the future. Investments in foreign currencies are subject to additional exchange rate fluctuations and currency risks, i.e. the performance of such investments also depends on the volatility of the foreign currency, which can have a negative impact on the capital invested. The preservation of the invested capital cannot be guaranteed. Bank CIC (Switzerland) Ltd. and its contracting partners accept no liability for any losses.

Exclusion of liability

Bank CIC (Switzerland) Ltd. and its contracting partners disclaim all liability (including for negligence and liability vis-à-vis third parties) for any losses arising out of direct and indirect damage as well as any consequential losses connected with the content of this website or with the links to other websites or with financial markets risks.

Links

Clicking on a link may cause you to leave the Bank CIC (Switzerland) Ltd. website. Bank CIC (Switzerland) Ltd. has not reviewed the third-party websites linked with this website, and accepts no responsibility whatsoever for their content, especially with regard to the data, information and other offers contained therein.

Investment funds

With respect to the information, data and figures available on the Bank CIC (Switzerland) Ltd. website regarding the investment funds distributed by Bank CIC (Switzerland) Ltd., the special legal notices pertaining to investment funds also apply in addition to the present legal information.

Deposit insurance

Are my deposits covered by the deposit insurance scheme? Yes, like any bank or securities dealer in Switzerland, Bank CIC (Switzerland) Ltd. is required to sign the Agreement by Swiss Banks and Securities Dealers on Deposit Insurance and as such is a member of esisuisse. Client deposits held with Swiss branches of the bank are protected for up to CHF 100,000 per client, per bank. Deposits also include medium-term notes held in the name of the depositor at the issuing bank. All relevant information on the deposit insurance can be found at www.esisuisse.ch.

Data Protection Declaration

The data protection declaration of Bank CIC (Switzerland) Ltd. applies irrespective of the type of access or use to both the Bank CIC (Switzerland) Ltd. website, including all related websites, as well as all applications (apps) of Bank CIC (Switzerland) Ltd. (together "Web Services "). 
By accessing and using the Web Services of Bank CIC (Switzerland) Ltd. you confirm your agreement with the following data protection principles.
Bank CIC (Switzerland) Ltd. does not collect any personal data through its Web Services, which could be used to directly identify users. However, the website of Bank CIC (Switzerland) Ltd. collects anonymised and non-personal data on the use of the website (e.g. number of visits to pages, IP address, browser, length of session, etc.) in order to provide  a basis for evaluating what benefits the website offers. This data is not used by Bank CIC (Switzerland) Ltd. to identify users personally. The applications (apps) of Bank CIC (Switzerland) Ltd. do not collect nor transmit any personal data of the user. 
If you decide to submit personal data to Bank CIC (Switzerland) Ltd. (e.g. name, gender, postal address, e-mail address, telephone number), for example via the contact form on the website, Bank CIC (Switzerland) Ltd. will handle this personal data confidentially in accordance with the requirements of the Federal Act on Data Protection and will neither sell nor pass on personal data to third parties. However, the user acknowledges that in the case of electronic contact or communication, the user’s data is principally transmitted via the internet, which is publicly accessible by anyone. In addition, the data may be transmitted across borders, even when the sender and the recipient are both located in Switzerland.
Depending on the application of the user, cookies are stored on the user’s computer, which are re-used on the next visit to the website in order to make the user's next visit easier or to enable use of individual application functions.
This website uses Google Analytics, a web analytics service of Google Inc. ("Google"). Google Analytics uses so-called "cookies", text files which are saved on your computer and which allow your use of the website to be analysed. The information generated through the cookie about your use of this website is generally transferred to a Google server in the USA and stored there. Google will use this information to evaluate your use of the website, to compile reports about website activity for the website operators, and to provide other services connected with the use of the website and the Internet. Also, Google may transfer this information to third parties, if required by law or if third parties process this data on behalf of Google. The IP address transmitted by your browser through Google Analytics will not be combined by Google with any other data.
You can prevent the installation of cookies by setting up your browser software accordingly; however, we would like to point out that in such case you may not be able to fully utilise all of the functions of this website. By using this website you confirm your agreement to the processing of the data so obtained about you by Google in the aforedescribed manner and for the aforestated purpose.

Applicable law

Should a legal relationship arise between the user and Bank CIC (Switzerland) Ltd. as a result of the use of the Bank CIC (Switzerland) Ltd. website, said relationship shall be governed exclusively by Swiss law.