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Important legal information

Please read the following important legal information carefully. By accessing this website and any pages thereof (the "Website"), you declare that you have understood the important legal information and that you agree with it. If you are not in agreement with individual conditions of this important legal information or if you do not wish to accept them, we ask you to leave this website. Banque J. Safra Sarasin (Luxembourg) SA, Sucursal en España, reserves the right to change the contents of the important legal information which you are responsible for regularly reviewing and your continued use of this website constitutes agreement to all such changes. As used herein, J Safra Sarasin means Banque J. Safra Sarasin (Luxembourg) SA, and Banque J. Safra Sarasin (Luxembourg) SA, Sucursal en España.
Local legal restrictions
The information contained in this website has been prepared without reference to any particular user's investment requirements or financial situation. Certain transactions give rise to substantial risk and are not suitable for all investors. Prior to the execution of any transaction by you involving information you received from this website, you should consult your business advisor, attorney and tax and accounting advisors with respect to the price, suitability, value, risk or other aspects of any stock, mutual fund, security or other investment. Pricing and other information generated through the use of data or services made available herein may not reflect actual prices or values that would be available in the market at the time provided or at the time that the user may want to purchase or sell a particular security or other instrument.
The information and services provided on this website are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where J. Safra Sarasin is not authorized to provide such information or services. This applies in particular to citizens and inhabitants of the USA. J. Safra Sarasin does not operate as a banking entity in all jurisdictions. Some products and services described in this website may not be available in certain jurisdictions or to certain clients.
Ownership rights, copyright and trademark rights
The entire contents (including all elements contained in them) of this website are protected by copyright (all rights reserved).
Safra (Logo), Sarasin (Logo), Responsibly yours, Sarasin Prime Blend, Sarasin Pure Oak, Sarasin Sustainable Investment, Sarasin Sustainability-Matrix®, Sarasin Sustainability-Matrix (Logo), are trademarks of J. Safra Sarasin Group and are registered in a number of jurisdictions.
Use of this website does not grant the user any right to the contents, software, a registered trademark or other element of the website. All ownership rights remain with J. Safra Sarasin or third parties as the case may be. Any reproduction (full or partial), transmission (electronically or by other means), linking, alteration or use of the website or of a registered trademark of J. Safra Sarasin for a public or commercial purpose is not permitted without the prior written consent of J. Safra Sarasin.
No offer
The contents published on this website do not constitute an invitation or offer to acquire, hold or sell the investment instruments mentioned on this website or other products nor an invitation or offer to engage in other transactions or legal business. They serve exclusively the purpose of personal use and informational purposes and, as with this important legal information, they may be changed by J. Safra Sarasin at any time without prior notification.
The contents provided on this website are not recommendations or decision aids for your investment decisions or other decisions and they do not constitute any type of advice. It is recommended that qualified expert advice be taken before an investment decision is made.
No guarantee
J. Safra Sarasin takes the greatest possible care when compiling contents on this website. However, J. Safra Sarasin and their contracting parties provide no guarantee (including liability in respect of third parties) concerning correctness, up-to-dateness and completeness of contents on this website. In particular, there is no obligation on the part of J. Safra Sarasin to update the contents or to remove contents on this website that are obsolete.
Furthermore, J. Safra Sarasin accepts no responsibility and gives no guarantee that the functions of the website will not be interrupted or that they are free from errors, that errors will be rectified or that the site or the relevant server is free from viruses and other harmful elements and programs.
The following fundamental principle applies: the higher the risk (fluctuations in rates) the longer the investment duration should be and the higher the potential profits. The value of the capital invested and the income from it (e.g. payments in connection with investment funds) are subject to fluctuations and they may cease altogether. Investments in foreign currencies are subject to direct and indirect exchange-rate fluctuations. As a matter of principle, individual financial products are subject to higher risks (e.g. investment funds which invest predominantly in emerging markets and/or in shares of low-capitalized companies and/or in high-coupon bonds). Positive past performance is therefore no guarantee of a positive performance in the future. J. Safra Sarasin can therefore provide no guarantee of preservation of value (or an increase in value) of the capital invested and investors must be prepared and be in a position to accept substantial losses or even total losses.
Exclusion of liability
J. Safra Sarasin and their contracting parties refuse, where legally permissible, to accept any liability (including negligence and liability in respect of third parties) for any losses from direct, indirect or consequential losses of any type associated with the use of this website and contents included therein or with the risks of financial markets.
Linked websites
This website contains links to third party websites. These links are provided only as a convenience. J. Safra Sarasin has not checked the websites of third parties linked to this website. In no event shall J. Safra Sarasin be responsible for the information contained on that site or your use or inability to use such site.
Use of e-mail
The use of e-mail is voluntarily. The sending of e-mails via public networks is unprotected and they can be intercepted, read and altered by third parties. Even if the sender and recipient are in Luxembourg, e-mails are frequently sent uncontrolled across borders. In addition to the content, the sender and recipient of the e-mail can be seen by third parties. Consequently, a conclusion about a relationship with J. Safra Sarasin is possible. This also applies for e-mails which are used in communication with J. Safra Sarasin (e.g. use of the website and e-services).
J. Safra Sarasin is entitled to reply by e-mail to e-mails from the user. However, subject to separate agreements, messages and orders (including payment orders) by e-mail are not binding for J. Safra Sarasin for security reasons. J. Safra Sarasin accepts no liability for losses incurred from the use of e-mail or due to orders placed by e-mail not being executed or not being executed on time.
For technical reasons delivery of e-mails cannot be guaranteed by J. Safra Sarasin. J. Safra Sarasin accepts no liability for losses due to late delivery or non-delivery of e-mails.
Data processing
J. Safra Sarasin respects the private and personal sphere of the user and processes the user's personal data, insofar as personal data is to be recorded at the time of a visit on our website, in accordance with the prevailing provisions of law, in particular in accordance with the Regulation (EU) 2016/679 of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation).
When the user visits the website, no personal data (e.g. name, address, telephone number etc.) is recorded without the user's consent. Only personal data provided to J. Safra Sarasin by the user may be stored. The user will only be asked to enter personal data if he wishes to use the interactive services that may be available on the website. Personal data will only be used by J. Safra Sarasin for the purpose specified at the time of entering the data and for marketing purposes. Personal data will only be forwarded to third parties insofar as J. Safra Sarasin is required to do so by legal or regulatory provisions or if these third parties are involved in the service for which the personal data has been entered. Suitable security precautions are applied when personal data is stored.
J. Safra Sarasin may also gather and analyze anonymous data relating to use of their website, e.g. the number of visits to the site, pages visited, duration of sessions, IP addresses etc. in order to assess the benefit provided by the site. However, data recorded in this way is used exclusively for statistical purposes and it is not forwarded to third parties outside J. Safra Sarasin.
J. Safra Sarasin also draws attention to the fact that when a user accesses this website, cookies (strings of information sent by a website and stored on the user's computer) can be stored or accessed temporarily on the user's computer. This allows J. Safra Sarasin to identify the computer accessing the website and thus to provide navigation shortcuts for the user's benefit. Only a minimum of information is recorded in the cookies used by J. Safra Sarasin. By modifying Internet browser settings the user can prevent cookies from being placed on his computer. Depending on the browser settings selected, blocked cookies may reduce the functionality of the website or prevent access to it. J. Safra Sarasin accepts no liability for such a restriction of the website.
Performance & tracking cookies
We use performance & tracking cookies to improve our website on a continual basis and to be able to provide you with the best possible online experience that is tailored to your needs. If you don’t agree with this, you can change your cookie settings on this page.
Possible conflicts of interest
J. Safra Sarasin and/or their board members, managers or staff may have invested in financial products in the past or they may be currently investing in financial products or invest in financial products in the future about which the website contains information. Furthermore, it is possible that these natural persons and legal entities have rendered, are rendering or will render in the future services for the issuers of such financial products, for example in investment banking, corporate finance or market-making or as board members or as managers they may have participated in their managements, be doing so now or do so in the future.
Applicable law/place of jurisdiction
Access to and use of this website as well as this important legal information is subject to Luxembourg law. The place of jurisdiction is the City of Luxembourg.