-ownership of the website, trademark rights and copyrights
Finanz Konzept AG and other brand names on this website are trademarks and/or service marks. Unless otherwise indicated, all content on this website is copyrighted by Finanz Konzept AG. Finanz Konzept AG reserves all rights (in particular copyright and trademark rights) to all content on this website and will use all legal means to enforce such rights. Nothing on the website may be construed as granting any permission or right to use any images, registered trademarks or logos. Downloading, copying or printing individual pages and/or parts of the website is only permitted for personal use. However, this does not transfer any rights to the contents of the website to you.
offer, solicitation and distribution restrictions
Nothing contained on this website constitutes an offer or solicitation to buy or sell products and services such as, without limitation, securities, financial instruments, other investment products or investment advisory services. The services, securities and financial instruments described herein may not be appropriate for you or in the country in which you reside. The fact that users access this website does not make them customers of Finanz Konzept AG. Users of this website should consult their own independent financial advisors before making any investment decision based on the information published herein, and none of the information published herein constitutes investment, legal, tax or business advice of a general or specific nature.
-disclaimer and cautionary note regarding forward-looking statements
The opinions and estimates expressed on this website reflect our views at the time of publication and do not constitute investment, legal, tax or business advice of a general or specific nature. The information on this website may contain statements about future developments. Furthermore, we, as well as third parties on our behalf, may make statements in the future that include statements about future developments.
By their nature, statements about future developments involve general and specific risks and uncertainties; and there is a risk that predictions, forecasts, projections and results described or implied in forward-looking statements will not occur. We caution you that several important factors could cause results to differ materially from the plans, objectives, expectations, estimates and intentions expressed in such statements. These factors include (1) market and interest rate fluctuations, (2) global economic strength in general and that of the countries in which we operate in particular, (3) the ability of counterparties to meet their obligations to us, (4) the effects of and changes in fiscal, monetary, commercial and tax policies and currency fluctuations, (5) political and social developments, including war, public unrest, terrorist activities, (6) the possibility of exchange controls, expropriation, nationalization or seizure of assets in the countries in which we operate, (7) the ability to maintain sufficient liquidity and access to capital markets, (8) operational factors such as system failures, human error or improper implementation of procedures, (9) actions taken by regulators in connection with our business and practices in one or more countries in which we operate, (10) the impact of changes in laws, regulations or accounting standards or methods, (11) competition in geographic and business areas in which we operate, (12) the ability to recruit and retain qualified personnel, (13) the ability to maintain our reputation and promote our brands, (14) the ability to increase market share and control costs, (15) technological changes, (16) the timely development and acceptance of our new products and services and users’ perception of the overall value of those products and services, (17) acquisitions and the ability to successfully integrate the acquired businesses, (18) the adverse resolution of litigation and other events, and (19) our success in managing the risks associated with the foregoing.
As a precaution, we would like to point out that the above list of material factors is not exhaustive.
Past performance is not indicative of, and does not provide any guarantee of, future performance, and no representation or warranty, express or implied, is made as to future performance. Investments involve risks, including the potential loss of capital invested. The price, value and yield of securities or financial instruments may fall as well as rise. Certain investments are subject to wide price fluctuations and may lose value suddenly and substantially. The loss may be as high as the original capital invested or even higher. Securities and financial instruments denominated in foreign currencies are also subject to fluctuations in exchange rates, which may have a positive or negative effect on the value, price or yield of such securities or financial instruments. Some investments may not be immediately realizable, which means that selling or liquidating these investments may prove difficult. Similarly, it may prove difficult to obtain reliable information about the value of the investment or the risks to which the investment is exposed. International or global investments (namely in emerging markets), investments in smaller companies, investments in funds or investment strategies that focus on one industry, country or region, and other special, aggressive or concentrated investments that involve the use of debt or derivative instruments involve special risks. The risks of such investments are ultimately borne by the investors.
-Links to other websites / foreign content
If you click on certain links on this website, you will leave this website. Such links, addresses or hyperlinks are provided for convenience and informational purposes only. Finanz Konzept AG has not reviewed any of these websites that are linked to our website or contain links to our website and disclaims any liability for their content, products and services or any other offers. The use of links leading from this website to websites of third parties is at your own risk.
Legal notice funds
2. Access restrictions
When accessing the FINANZ KONZEPT AG website, you must comply with applicable laws and observe any local restrictions. In particular, the information, text, images, data, video clips, graphics and other publications (hereinafter referred to as “Information”) on the FINANZ KONZEPT AG Web Site are not directed to any person in any jurisdiction where access to or distribution of such Information or Web Site would require prior registration, authorization or approval by FINANZ KONZEPT AG. In particular, access to the FINANZ KONZEPT AG Web Site and the retrieval of information from the FINANZ KONZEPT AG Web Site is not authorized in any jurisdiction where, by reason of their domicile or nationality or otherwise, access to such information or Web Sites is contrary to law.
Persons in respect of whom such prohibitions apply must not access the FINANZ KONZEPT AG website. Please inform yourself in advance about the relevant laws and restrictions applicable in your domicile or applicable to you.
3. no recommendation
All information provided on the FINANZ KONZEPT AG website is for informational purposes only. In particular, the information does not constitute a recommendation, an offer or an invitation to purchase or sell securities, financial instruments or other investment products (hereinafter referred to as “investments”), to execute transactions or to conclude transactions (hereinafter referred to as “transactions”), or an advertisement for products or services. The information is neither an aid to decision-making on economic, legal, tax or other advisory issues nor is it suitable as a sufficient basis for decisions on investments or other transactions to be made. It is not a substitute for the advice of qualified specialists.
FINANZ KONZEPT AG does not tolerate orders placed via the message window or by e-mail, unless expressly stated or agreed otherwise.
4. no guarantee for up-to-dateness, correctness or completeness of the information
Market and investment reports as well as other publications on the FINANZ KONZEPT AG website are based on information sources that FINANZ KONZEPT AG considers to be reliable. Nevertheless, FINANZ KONZEPT AG does not guarantee the contents of the information, nor can the information be regarded as complete treatises or conclusions of the investments, transactions, markets or developments mentioned therein. The contents may be subject to constant change or may be based on erroneous information provided by third parties. FINANZ KONZEPT AG therefore excludes any guarantee or liability for the correctness, completeness or up-to-dateness of the information.
5. investment performance
The investment value may rise or fall at any time. A positive performance in the past is therefore no guarantee for a positive price development in the future. Investments in foreign currencies are also exposed to foreign exchange fluctuations. There is a possibility that investors may not recover the amount they have invested or may not recover it in full. Potential investors should also inform themselves about tax consequences that may arise from the acquisition, holding and sale of investments at their domicile and, if necessary, seek advice at their domicile.
6. Linked websites (links)
FINANZ KONZEPT AG has no influence on the design and contents of the websites of other operators (hereinafter referred to as “third party websites”), which may be linked to the FINANZ KONZEPT AG website or may contain links to the FINANZ KONZEPT AG website. Therefore, FINANZ KONZEPT AG cannot accept any responsibility for the correctness, completeness, up-to-dateness and legality of the contents of third-party websites or for any information, offers or services contained therein. The responsibility and liability for linked third-party websites lies with the respective operators.
For links leading from a third party website to a FINANZ KONZEPT AG website, the prior written consent of FINANZ KONZEPT AG must be obtained.
7. Adjustments of the information
FINANZ KONZEPT AG reserves the right to modify or supplement the information provided at any time without notice or to eliminate information in whole or in part. However, FINANZ KONZEPT AG is not obligated to remove information that is no longer current or to expressly mark it as such.
8. Property rights
All rights, title and interest in and to the FINANZ KONZEPT AG Web Site and the information and programs contained therein (including but not limited to copyrights, trademarks, logos, patents, other intellectual property rights and other rights) are owned by FINANZ KONZEPT AG or the respective copyright owner. You may save or print out a hard copy of individual pages and/or sections of the FINANZ KONZEPT AG website for private and internal use only, provided that you do not remove any copyright or other proprietary notices. Even after saving, printing or otherwise using information or programs, all rights remain with FINANZ KONZEPT AG or the respective legal owner. The (complete or partial) reproduction, in particular the use of texts, parts of texts or graphical material, the transmission (electronically or by other means), modification, linking or use of the FINANZ KONZEPT AG website for public or commercial purposes requires the prior written consent of FINANZ KONZEPT AG.
The contents and rights of third parties are marked as such. Their copyrights, patent rights, trademark rights, property rights or other protective rights are also to be maintained. In order to be able to use the contents of third parties, their consent or corresponding rights of use are usually required.
9. No liability (disclaimer)
Any liability of FINANZ KONZEPT AG for direct or indirect losses (including loss of profit), damages, liability claims, demands, costs or consequential damages, which may result from the use of or access to the FINANZ KONZEPT AG website or due to links to third party websites or which may result from the retrieval of information on the FINANZ KONZEPT AG website, is expressly rejected. This also applies to liability due to negligence and even if FINANZ KONZEPT AG was aware of the possibility of such consequences.
In addition, FINANZ KONZEPT AG disclaims any liability for manipulation of the user’s IT system in any way whatsoever. It is expressly warned of the dangers of viruses or other harmful programs and of the possibility of hacking attacks. The use of current browser versions and anti-virus software is therefore strongly recommended.
10. data protection and security during data transmissions
11. Severability clause
12. Contradictory regulations
13. Applicable law and place of jurisdiction
Legal notice – © FINANZ KONZEPT AG – All rights reserved
FINANZ KONZEPT AG appreciates your visit and your interest in this website (hereinafter referred to as “FINANZ KONZEPT AG website”). This data protection declaration (hereinafter referred to as the “declaration”) describes the processing of personal data in connection with the FINANZ KONZEPT AG website and the directly related data processing. The legal provisions applicable in Switzerland apply.
FINANZ KONZEPT AG reserves the right to change or modify this statement from time to time. You should therefore review this Statement periodically or whenever you access the FINANZ KONZEPT AG Web site to determine whether it has changed and, if so, whether you accept any such revisions. You will find the update date at the beginning of this declaration letter.
By accessing the FINANZ KONZEPT AG website, you signify your agreement to this statement. If you do not agree with this statement, please do not access the FINANZ KONZEPT AG Web site.
2. What is personal data?
Personal data are all statements and information that relate to a specific or identifiable person. In the context of websites, this includes, among other things, name, e-mail address, telephone number and IP address.
3. What data is stored and for what purpose is it used in each case?
When using the FINANZ KONZEPT AG website, access data (e.g. log files, IP address, date and time of access, name of the accessed file, access status, page from which the access was made, top-level domain, used web browser, used operating system) are saved. FINANZ KONZEPT AG uses this data for statistical purposes, for technical evaluations, for the optimization of the server infrastructure, to determine the frequency of access and to be able to draw conclusions for an improvement of the user-friendliness and the functionalities.
If, in the course of using the FINANZ KONZEPT AG website, it is necessary to collect and process personal data (e.g. name, address or e-mail address, in connection with a contact form or the ordering of publications), the data will be used for authentication purposes and will be stored on a data carrier in Switzerland. Furthermore, the data that you enter in the corresponding text or search fields on the FINANZ KONZEPT AG website are processed and secured. This data will be used according to the intended purpose.
If in special cases your explicit declaration of consent is required for data processing, you will find an adequate notice at the relevant place.
The FINANZ KONZEPT AG website may be linked to the websites of other operators or to content on the websites of other operators. FINANZ KONZEPT AG has no influence on the websites of other operators (hereinafter referred to as “third party websites”) and therefore cannot assume any responsibility or liability for the correctness, completeness, up-to-dateness or legality of the contents of third party websites or for their data processing practices. Please therefore also note the data protection declarations of the third-party websites mentioned in each case.
Data transmission on the Internet may contain security vulnerabilities. Therefore, absolute data protection (e.g. against access by third parties) cannot be guaranteed.
4. to whom will your personal data be disclosed?
Personal data collected on the FINANZ KONZEPT AG website will not be disclosed to third parties unless
- you explicitly accept a disclosure at the relevant point of data entry;
- FINANZ KONZEPT AG is legally obliged to disclose the data (e.g. to state institutions, authorities, courts); or
- the data processing is carried out on behalf of FINANZ KONZEPT AG by a service provider who has been contractually obligated to treat the data confidentially.
5. How is your personal data protected?
Within the framework of the FINANZ KONZEPT AG website and the directly related internal data processing, appropriate technical and organizational measures are taken to protect the recorded data from loss, unauthorized access or misuse.
Regardless of the measures taken by FINANZ KONZEPT AG to protect the data, you must be aware that the transmission of data via the Internet – this applies to both web pages and e-mail activities – is uncontrolled and cross-border. Even if the sender and recipient are located in the same country, cross-border data transmission may occur. FINANZ KONZEPT AG can therefore not guarantee the confidential treatment of data transferred via the Internet. If you disclose personal data via the Internet, you must be aware of the fact that third parties may access, read, modify, falsify, monitor, destroy or misuse this information. Data transmission may also be delayed or the data may be lost during transmission. Furthermore, third parties could draw conclusions about existing business relationships. Therefore, FINANZ KONZEPT AG cannot assume any responsibility for the security of your data during transmission via the Internet and disclaims any liability for direct or indirect damages. For data protection and security reasons, we recommend that you contact FINANZ KONZEPT AG via other or secure means of communication.
6. where and how long is personal data stored?
The systems required for data processing are located in Switzerland. The data entered by you will be kept for as long as the intended purpose requires.
7. what rights do you have?
You have the right to request in writing and free of charge information about the data processed about you. A request for information, together with proof of identity, must be sent to the data protection officer at the address given in section 8.
After receipt of your request for information, you will be provided with information within the statutory period of 30 days. The information may be refused, restricted or postponed if this is provided for by law or is necessary due to overriding personal or third-party interests.
The request for information can be combined with a request for correction or deletion of data.
Correction or deletion
You have the right to request, in writing and free of charge, the rectification or deletion of data processed about you, insofar as they are not correct or are processed incorrectly. A request for rectification or deletion, together with proof of identity and the justification, must be submitted to the Data Protection Officer at the address indicated in point 8.
Your request for correction or deletion will be processed within a reasonable period of time after receipt and you will subsequently receive confirmation of completion.
Under certain circumstances, legal regulations on data processing may prevent deletion. In such a case, FINANZ KONZEPT AG will continue to process the data concerning you only to the extent necessary to fulfill the legal data processing obligations.
Objection or revocation
You have the right to object in writing and free of charge to the processing of data relating to you in whole or in part or to withdraw your consent to data processing. An objection or revocation must be sent in writing to the data protection officer at the address given in section 8.
Your objection or revocation will be confirmed to you upon receipt and subsequently the data concerned will no longer be processed.
An objection or revocation may under certain circumstances be opposed by legal regulations on data processing. In such a case, FINANZ KONZEPT AG will continue to process the data concerning you only to the extent necessary to fulfill the legal data processing obligations.
You have the right to have the data concerning you blocked from being passed on to third parties. A request for blocking, together with proof of identity, must be sent in writing to the data protection officer at the address given in section 8.
Your request for blocking will be dealt with within a reasonable period of time after receipt and you will subsequently receive confirmation that the request has been dealt with.
Under certain circumstances, a blocking may be opposed by legal regulations regarding the disclosure of data. In such a case, FINANZ KONZEPT AG will only disclose the data concerning you to third parties to the extent that this is necessary to fulfill the legal data processing obligations.
8. how can you contact FINANZ KONZEPT AG regarding data protection?
If you have any questions regarding data protection and data processing, please contact us in writing at:
FINANZ KONZEPT AG
Telefon: +41 (0)44 204 34 64
Legal notice – © FINANZ KONZEPT AG – All rights reserved
Special legal notices
By using the FINANZ KONZEPT AG web pages, you confirm that you have read, understood and accepted both the General Legal Notice and this Special Legal Notice. These legal terms apply to all information provided electronically by FINANZ KONZEPT AG and may be adapted at any time without prior notice. If you do not wish to accept the general legal information and this special legal information, we ask you to refrain from any access to the web pages. Any special agreements concerning individual services or products of FINANZ KONZEPT AG are in addition to these legal provisions; in case of contradiction, the special agreements take precedence. The user access, the use of the pages, the General Legal Information as well as this Special Legal Information are subject to Swiss law. Exclusive place of jurisdiction is Zurich.
2. no recommendation, no offer
The information, opinions, products, data, services, tools and documents (“Website Content”) contained or described on the Websites are for informational purposes only and do not constitute an advertisement or recommendation, nor an offer or solicitation to subscribe (or purchase) or redeem (or sell) any Shares, to effect any transaction or to conclude any legal act.
The collective investment schemes mentioned on this website are not suitable for all investors. The information provided on the website does not constitute financial, legal, tax and/or other advice. Investment or other decisions should not be made solely on the basis of this document. In particular, you should not make any investment until you have read the relevant fund agreement or legal prospectus, the annual and semi-annual reports, the articles of incorporation or bylaws (as applicable) and any other documents required by local law or regulation in the jurisdictions or countries in which the relevant collective investment scheme is authorized or permitted for public distribution, offer or sale.
In order to determine whether an investment in units of a particular investment fund meets your specific needs and risk considerations, we recommend that you contact an independent financial advisor. In addition, we recommend that you consult an independent tax advisor for information regarding the tax rules in your jurisdiction associated with a specific investment in light of your personal circumstances.
3. no warranty
The contents of the web pages may be changed at any time and without prior notice. FINANZ KONZEPT AG does not warrant or make any representations (including to third parties) as to the accuracy, correctness, completeness, or timeliness of the content of the Web pages. In particular, FINANZ KONZEPT AG is not obligated to remove any outdated information from the web pages or to expressly mark them as such. The dissemination of the contents of the web pages and their reproduction in whole or in part are not permitted.
All data available via these web pages, including but not limited to financial market data, price data, reports, research or other financial information, are based on sources that are deemed reliable and have been carefully selected. All available information is provided to the user on an “as is” basis, without express or implied warranties or representations as to quality, originality, infringement of intellectual property or fitness for a particular purpose.
The fact that a user accesses the web pages does not make him a customer of FINANZ KONZEPT AG.
Opinions, estimates and projections contained in the Web pages are those of their authors at the time of writing and do not necessarily reflect the views of FINANZ KONZEPT AG. They may change at any time without prior notice. FINANZ KONZEPT AG and its contractual partners have the right to withdraw or change information, data and documents as well as the products or services described herein at any time and without prior notice. All information marked with a date is published exclusively for this date. There is no obligation or responsibility to update or correct such information.
4. the FINANZ KONZEPT AG investment products are not authorized for public distribution in all countries of the world
The information contained on the FINANZ KONZEPT AG website is not directed at specific persons; it is generally intended for readers interested in FINANZ KONZEPT AG investment products. In any case, the purchase of investment products should only be made after a detailed study of the current sales prospectuses with included investment regulations as well as the annual and semi-annual reports. FINANZ KONZEPT AG investment products are not authorized for sale in all countries of the world. The FINANZ KONZEPT AG websites are not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of the FINANZ KONZEPT AG websites is prohibited. Persons in respect of whom such prohibitions apply must not access the FINANZ KONZEPT AG Web Sites.
In particular, the FINANZ KONZEPT AG investment products have not been registered in accordance with the United States Investment Company Act of 1940 (as amended) and these securities have not been registered under the United States Securities Act of 1933 (the “Act”). The FINANZ KONZEPT AG investment products are not being offered, sold or delivered in the United States or to U.S. persons (as defined in Regulation S under the Act). Nothing herein constitutes an offer or solicitation to invest in such investment products in the U.S. or to U.S. persons.
For purposes of this document, the term “U.S.” includes the United States of America, all of its constituent states, territories and possessions, and all areas subject to its jurisdiction.
5. warning of risks
A positive performance in the past is no guarantee of a positive performance in the future. The risk of price and foreign currency losses as well as fluctuations in returns due to an unfavorable development of exchange rates for the investor cannot be excluded. There is a possibility that investors may not get back the full amount they invested. The commissions and costs charged on the issue and redemption of units are charged to the investor individually and are therefore not reflected in the performance shown.
We expressly point out that certain investments are highly volatile. Such investments, such as derivatives, may be subject to high price fluctuations, the extent of which may correspond to or even exceed the amount invested.
Certain specific investments may not be immediately realizable. It may therefore be difficult for investors to sell an investment, to realize the gain or to obtain reliable information about its value or about the extent of the risk to which the investment is exposed.
When buying or selling investments with contingent liabilities, you may not only lose the amount you have invested, but you may have to expect to be ordered to pay an additional amount.
Legal Notice – © FINANZ KONZEPT AG – All Rights Reserved