Impressum

Raiffeisen Switzerland

Raiffeisenplatz
CH - 9001 St.Gallen

webmaster@raiffeisen.ch
© Raiffeisen Switzerland, 9001 St.Gallen

Disclaimer and Privacy Policy

General
By accessing the web pages at www.raiffeisen.ch (hereinafter referred to as the "Raiffeisen website") you declare that you have understood and accepted the regulations for use and the legal information with regard to this website. If you do not agree with the following regulations or you have not understood them, then please refrain from accessing the Raiffeisen website.

Property rights / copyright
All material on the Raiffeisen website belongs exclusively and completely to the Raiffeisen Group, unless as otherwise indicated. This includes all commercial property rights, and in particular copyright and trademark rights as well as the content and structure of the Raiffeisen website. Downloading or printing out of individual pages and/or portions of the Raiffeisen website is permitted for private use only, provided that copyright notices and other protected designations are not removed. This does not, however, give rise to a licence or a right to use an image, a registered trademark or a logo. Moreover, the downloading or copying of the Raiffeisen website does not transfer to you any rights with respect to the software or other material on the Raiffeisen website. The express written consent of the Raiffeisen Group is required for anything other than private use (reproduction, use for public or commercial purposes, etc.).

No offer and no advisory
The contents of the Raiffeisen website are solely for information purposes. The information on the website constitutes neither an offer or a solicitation, nor a recommendation to buy or sell financial or investment instruments of any kind or to execute any transactions.

Raiffeisen explicitly refrains from providing any advice (investment advice, etc. ) via the Raiffeisen website. The opinions and other information contained in the website are not to be used for the purpose of making decisions regarding legal matters, tax issues or other questions. Before you make any investment, legal or tax decision, please consult a qualified expert from the Raiffeisen Group.

Limited access and geographical restrictions
The Raiffeisen website is not intended for legal entities or individuals who by virtue of their nationality, registered office, place of residence or for any other reason are governed by a legal system which prohibits or restricts in particular the publication of the content of the website, access to the website, the activities of a foreign financial services provider or the approval of products (such as investment funds). Access to the Raiffeisen website is prohibited for persons subject to any such restrictions

This prohibition applies in particular to citizens of the United States, United Kingdom, Canada, Japan, China and Singapore or to persons who are residents of these countries. Please refer to the legal regulations of the country in which you live.

Links to other websites
The Raiffeisen Group has not examined the websites of third-party providers whose links appear on the Raiffeisen website. The Raiffeisen Group has no control whatsoever over these other websites and therefore assumes no responsibility for the accuracy, completeness or legality of the content and offer of these websites. If you access these websites, you do so at your own risk.

The prior permission of the Raiffeisen Group is always required before any link to the Raiffeisen website is placed on any other website.

No warranty and exclusion of liability
The Raiffeisen Group makes all reasonable efforts to ensure that the information presented on the Raiffeisen website is current, correct, true and complete at the time it is published. However, the Raiffeisen Group does not offer any warranty in respect of the information, content, services, offers or products published by it or by third parties.

The Raiffeisen Group assumes no responsibility for any direct or indirect loss or consequential loss suffered by users or third parties in connection with use of the Raiffeisen website. Further, the Raiffeisen Group assumes no responsibility for and offers no warranty that the functions of the Raiffeisen website will not be subject to interruptions or that it will operate without error or be free of damaging components (such as viruses, etc.).

The Raiffeisen Group may change the data, information etc. published on the Raiffeisen website at any time and without advance notice.

Future performance (risk notice)
The past is not necessarily a guide to the future performance of an investment instrument. The value of investments may fall as well as rise and investors may not get back the amount they invested. Thus past performance does not necessarily provide any guarantee of future results. Due to fluctuations in the value of investments, there is no guarantee that any capital invested will maintain its value or even increase in value. In extreme cases the entire amount invested may be lost. In addition, fluctuations in exchange rates may also decrease or increase the value of investments.

Data security
Access to the Raiffeisen website or electronic contact or communication normally involves the transmission of user data via a public, universally accessible network. In addition, data may be transmitted across national borders, even if both the sender and recipient are located in the same country. While individual data packets may be transmitted in encrypted form, the identity of both sender and recipient remains unencrypted. Thus it cannot be ruled out that third parties may be able to view data sent in this way and that it may be possible to deduce that there has been contact with Raiffeisen.

This means that banking confidentiality cannot be guaranteed.

The Raiffeisen Group therefore expressly confirms that it will not accept any orders for business or transactions (new account openings, payment orders, stock market orders, etc.) via the Raiffeisen website.

The use of electronic media such as the internet and e-mail brings with it the danger of viruses and targeted attacks by hackers. To prevent viruses from infecting your computer, you should always use a current browser version as well as constantly updated anti-virus software. You should not open e-mails of unknown origin or attachments that you are not expecting.

Personal data
Accessing the Raiffeisen website may entail the use of specific cookies or web bugs in order to obtain non-personal data about the use of the website. In addition, for reasons of data security the following access data are saved in a log file:

• IP address
• Date and time of access
• Name of the file accessed
• Access status (OK, partial content, document not found, etc.)
• Page from which access was obtained
• Top-level domain (*.ch, *.fr, *.com etc)
• Web browser used
• Operating system used

This data is protected against access by unauthorised persons and is not disclosed to third parties outside the Raiffeisen Group. The Raiffeisen Group analyses data anonymously and solely for statistical purposes, for example in order to find out how many times the site is accessed on a particular day. No analysis is made on the basis of individual persons, unless the data is expressly and knowingly made available by the user himself.

Personal data is transferred and stored within the Raiffeisen Group in an environment which is protected (for example via firewalls). The Raiffeisen Group takes all appropriate measures to ensure that third parties do not have access to personal data. An exception to the above are partners who provide services for the user on behalf of Raiffeisen. The Raiffeisen Group ensures that the partner has a privacy and security policy that is equivalent to that of Raiffeisen.

The Raiffeisen Group reveals personal data to other third parties only if it is required to do so by legal or regulatory provisions.

Place of jurisdiction
To the extent that a legal relationship has been created between members of the Raiffeisen Group and the users of the Raiffeisen website, this relationship is subject to Swiss law. Members are represented by Raiffeisen Switzerland. The exclusive place of jurisdiction is St. Gallen, Switzerland.

Last Update: 25.09.2009