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Important legal information

Please read the following important legal information carefully. By accessing the website of Bank J. Safra Sarasin (Gibraltar) Ltd, London Branch (referred to here as “ the Bank") you declare that you have read 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 the website of the Bank.
Local legal restrictions
The Bank’s website is not intended for persons (natural persons or legal entities) for which use of or access to the Bank’s website would contravene the laws of their country (on account of nationality, residence or domicile/registered office of the person concerned or for other reasons). Such persons are not permitted to access the website of the Bank. This applies in particular to citizens and inhabitants of the USA.
Persons with residence/registered office in a country for which an affiliated company of the Bank domiciled in that country maintains its own website are requested to switch to the relevant website (overview of affiliated companies).
The contents of this website is a general presentation of the Bank. Not all the investment instruments, products and services described on this website are available or suitable for people in all countries. Whether an investment instrument, a product or a service may be offered to a certain person depends on the provisions of law and regulations applicable in the relevant country.
Ownership rights, copyright and trademark rights
The entire contents (including all elements contained in them) of the Bank’s website are protected by copyright (all rights reserved).
Safra (Logo), Sarasin (Logo), are registered trademarks of the J. Safra Sarasin Group. Use of the Bank‘s website does not grant the user any right to the contents, software, a registered trademark or other element of the Bank’s website. All ownership rights remain with the Bank 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 Bank‘s website or of a registered trademark of the Bank for a public or commercial purpose is not permitted without the prior written consent of the Bank.
No offer
The contents published on the Bank’s website do not constitute an invitation or offer to acquire, hold or sell any 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 the Bank at any time without prior notification.
The contents provided on the Bank’s 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 expert advice be taken before an investment decision is made.
No guarantee
The Bank takes the greatest possible care when compiling contents on this website. However, the Bank 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 the Bank to update the contents or to remove contents on this website that are obsolete.
Furthermore, the Bank 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.
Potential investment returns reflect the risk involved in the investment.  Riskier investments may provide an opportunity to make larger returns but their price or value may be more volatile, so investors considering holding them should be prepared to hold them for a longer time period. The value of the capital invested and the income from it (e.g. dividends or distributions 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. Certain financial products are subject to higher risks (e.g. investment funds which invest predominantly in emerging markets and/or in shares of low-capitalised companies and/or in high-coupon bonds). Positive past performance is therefore no guarantee of a positive performance in the future. The Bank 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 if they choose to invest.
Exclusion of liability
The Bank and their contracting parties refuse, where legally permissible, to accept any liability (including negligence and liability in respect of third parties) for any direct, indirect or consequential losses of any type associated with the use of this website and contents included or with the risks of financial markets.
Linked websites
Using a link may cause you to leave the Bank‘s website. The Bank has not checked the websites of third parties linked to this website and they accept no responsibility for their legality or their content.
Use of e-mail
The use of e-mail is voluntary. 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 the UK, 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. This also applies for e-mails which are used in communication with the Bank (e.g. use of the website and e-services).
The Bank 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 the Bank for security reasons. The Bank 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 the Bank. The Bank accepts no liability for losses due to late delivery or non-delivery of e-mails.
Data processing
The Bank respects the private and personal sphere of the user and processes any user's personal data the recorded at the time of a visit on our website, in accordance with law.
When the user visits the Bank’s website, no personal data (e.g. name, address, telephone number etc.) is recorded without the user's consent. Only personal data provided to the Bank by the user may be stored.
Possible conflicts of interest
Legal entities in the J. Safra Sarasin Group and/or their board members, shareholders, 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 Bank’s 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 the Bank’s website as well as this important legal information is subject to English law. The place of jurisdiction is the UK.
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