Legal information

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 protected under the deposit insurance esisuisse? Yes, like any bank and any securities firm in Switzerland, Bank CIC (Switzerland) Ltd. is required to sign the Self-regulation "Agreement between esisuisse and its members". This means clients’ deposits are protected up to a maximum of CHF 100,000 per client. Medium-term notes held in the name of the bearer at the issuing bank are also considered deposits. Depositor protection in Switzerland is provided by esisuisse, and the depositor protection system is explained in detail at https://www.esisuisse.ch/en.

Data Protection Declaration

The Data Protection Declaration of Bank CIC (Switzerland) Ltd. (hereinafter referred to as "the Bank") applies irrespective of the type of access or use to both the Bank CIC website, including all related websites, as well as all applications (apps) of Bank CIC (collectively referred to as "Web Services"). By accessing and using the Web Services of Bank CIC, you agree to the following data protection principles.

Bank CIC does not collect any personal data through its Web Services, which could be used to directly identify users. However, the website of Bank CIC collects anonymised and non-personal data on the use of the website (number of visits to pages, length of session, IP address, browser, etc.) in order to provide a basis for evaluating what benefits the website offers. This data is not used by Bank CIC to identify users. If you decide to submit personal data to Bank CIC (name, gender, postal address, email address, phone number, etc.), for example via the contact form on the website or when opening an account online, Bank CIC will treat this personal data confidentially in accordance with the provisions 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 generally transmitted via the Internet, which is publicly accessible by anyone. In addition, the data may under some circumstances be transmitted across borders, even when the sender and the recipient are both located in Switzerland.

Depending on which application is used by the user, cookies are stored on the user’s computer. Cookies are text files stored on your computer to enable you to use individual functions offered by the Web Services, allow us to analyse how the website is used and to make the user’s next visit easier by re-using the cookie. You can prevent the installation of cookies by setting up your browser software accordingly or delete stored cookies; however, we would like to point out that in such case you may not be able to fully utilise all the functions of the corresponding website (including web applications, in particular).

Some Web Services of Bank CIC (not including CIC eLounge) use Google Analytics, a web analytics service offered by Google Inc. ("Google"). The information generated through the cookie about your use of the Web Service is generally transferred to a Google server in the USA and stored there. Google will use this information to evaluate your use of the Web Service, to compile reports about website activity for Bank CIC 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 and will be anonymised prior to being stored by Google. You can opt out of all use of Google Analytics by installing Google’s browser extension (https://tools.google.com/dlpage/gaoptout/), which disables Google Analytics.

We also use Google Signals, which enables cross-device tracking. This makes is possible to associate an individual user of the web service with several different devices. However, this only happens when you are logged in to a Google service and the personalised advertising option has been activated in your Google account settings. Use of Google signals can be deactivated in the Google account settings under the personalised advertising option.

We also only use Google’s remarketing function, which allows us to show you personalised ads in suitable advertising spaces on other websites based on interests you have demonstrated on our website. This option is limited to a maximum of 18 months. More information can be found at Google at https://policies.google.com/technologies/ads. This function can be deactivated using the instructions provided at https://support.google.com/ads/answer/7395996.

CIC eLounge, the vorsorgesparen.cic.ch site and online account opening use Matomo Analytics (https://matomo.org). Matomo Analytics uses cookies. This means that when you visit the services specified, non-personally identifiable information will be stored and processed, including the following: the website from which you were redirected to us, the parts and functions of the Web Service you visit, the date and duration of your visit, your anonymised IP address, information from the device you used to access our site (device type, operating system, screen resolution, language, country you are located in and web browser type). Data from eLounge and online account opening is stored locally at Bank CIC and data from vorsorgesparen.cic.ch is stored in the Matomo cloud in Germany. Bank CIC or its authorised service providers process this usage data in Matomo Analytics for statistical purposes, to improve the Web Services specified and to recognise and stop any misuse.

For more information, please contact Bank CIC (Switzerland) Ltd.

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.