Switzerland legal information


Important legal information

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The Terms are subject to change without notice, from time to time in EFG’s sole discretion. Therefore, they should be reviewed whenever this Website is accessed. Access to and use of this Website may be restricted or terminated at any time.
The use of this Website may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording.

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The information on this Website is not intended for use by or distribution to any individual or legal entity in any jurisdiction or country where (i) the distribution, publication or use of such information would be contrary to the law or regulatory provisions; or (ii) such distribution is prohibited without obtaining the necessary licenses or authorizations and such licenses or authorizations have not been obtained by EFG.
Individuals or legal entities in respect of whom such prohibitions apply, whether on grounds of their nationality, their place of residence or on other grounds, must not access or use this Website.
The information on this Website are not directed to US persons.

No offer or recommendation

This document has been prepared solely for information purposes. 
The information contained herein constitutes a marketing communication for a financial service and should not be construed as marketing of a financial instrument, financial research or analysis, an offer, a public offer, an investment advice, a recommendation or solicitation to buy, sell or subscribe to financial instruments and/or to the provision of a financial service. Further, this document is not intended to provide any financial, legal, accounting or tax advice and should not be relied upon in this regard.
The information provided in this document is not the result of a financial research conducted by EFG’s research department. Therefore, the “Directive on the Independence of Financial Research” issued by the Swiss Banking Association does not apply to it. 

Availability, suitability, no advice and need for independent assessment

Financial services or investment instruments mentioned on this Website may not be eligible/suitable for or available to residents of certain countries or certain categories of investors. 
The information on this website does not take into consideration the specific investment objectives, financial situation, tax situation or needs of any investors and is not intended to provide any investment, legal, accounting or tax advice and does not constitute a representation that any investment or financial service is suitable or appropriate for individual circumstances, or otherwise constitutes a personal recommendation for any specific investor, and should not be relied upon in this regard.
Prior to making any investment decision, investors should fully understand the risks and merits, as well as the legal, tax and accounting characteristics and consequences of the transaction, and make their own independent assessment and determination that the investment is consistent with their individual circumstances and financial objectives and that they are able to assume all risks involved. Investors are advised to independently assess with their own professional advisors the specific financial risks as well as legal, regulatory, credit, tax and accounting consequences of any transaction.

Forward-looking statements

This Website may contain statements that constitute "forward looking statements". While these forward-looking statements may represent EFG’s judgment and future expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from EFG’s expectations. EFG is under no obligation to (and expressly disclaims any such obligation to) update or alter its forward-looking statements whether as a result of new information, future events, or otherwise.

Risk considerations

Investing entails significant risks, including but not limited to a partial or even total loss of the invested capital. The price/value of investments and the income derived from them can fall as well as rise, and past performance should not be taken as an indication or guarantee of future performance. Certain investments are subject to high volatility and may experience sudden and large falls in their value.

No warranty and exclusion of liability

The information and data contained on this Website have been obtained from sources believed to be reliable and EFG has exercised the utmost care in compiling such information. However, no representation or warranty (whether express or implied) may be provided that any information published on this Website is accurate, reliable, up-to-date or complete. In particular, EFG is under no obligation whatsoever to update or remove outdated information or opinions from this Website or to mark them as being outdated. The information and opinions contained on this Website are subject to change at any time without notice. 
To the fullest extent permitted by applicable law, in no event shall EFG, any affiliate, including any director, agent, employee, or sub-contractor, be liable for any direct or indirect loss or damage, including but not limited to loss of profit and incidental or consequential damages, that may be suffered as a result from the use of this Website or the information provided or omitted on this Website.

Intellectual property, copyright and trademark rights

All components of this Website are protected by intellectual property laws and are the property of EFG or third parties. Users shall not acquire any rights, including rights in or to any software, trademarks or components of this Website, by downloading or printing any material from this Website. Copyright notices and trademarks may not be changed or removed. Components of this Website may not be reproduced in whole or in part in any manner or form (including electronic or printed form) without the prior written consent of EFG and unless full acknowledgement of the source is provided.
Users are not permitted to create hyperlinks or online links from other websites to this Website without the prior written consent of EFG.

Protected deposits

Deposit insurance protects the credit balances of private and corporate clients in the event of a bank or securities firm’s bankruptcy. This guarantee is regulated by law.

The protection is limited to a maximum of CHF 100,000 per client and institution. Multiple accounts are added together.

esisuisse guarantees that it will cover protected deposits as part of the self-regulation of Swiss banks and securities firms.

Deposits at EFG Bank AG are covered by the deposit insurance scheme.

Detailed information at www.esisuisse.ch.

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