By accessing this website (“UBS Website”) you agree to be legally bound by these terms of use / disclaimer (“Terms of Use”).

If you do not agree to these Terms of Use, do not proceed to further web pages of the UBS Website.  By using the UBS Website, you confirm that you accept these Terms of Use and that you agree to comply with them.

These Terms of Use as well as the information and materials contained in the UBS Website are subject to change from time to time without notice.  Please read these Terms of Use carefully before you start to use the UBS Website, as these will apply to your use of the UBS Website.  These Terms of Use also refer to our Acceptable Use Policy which sets out the permitted uses and prohibited uses of the UBS Website.  When using the UBS Website, you must also comply with this Acceptable Use Policy.

The UBS Website is operated by UBS Switzerland AG (“UBS”, a company registered in Switzerland and a subsidiary of UBS AG, Company Number CHE-412.669.376, of Bahnhofstrasse 45, 8001 Zurich).

To contact us, please email us at [email protected]

I. Access Subject to Local Restrictions

The UBS Website and all information and functionality contained within it are not directed at or intended for use by any person resident or located in any jurisdiction where the distribution of such information or functionality is contrary to the laws of such jurisdiction.

II. Content

No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the materials on the UBS Website. The materials should not be regarded by recipients as a substitute for the exercise of their own judgement. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or groups of UBS as a result of using different assumptions and criteria. UBS is not under any obligation to update or keep current the information contained herein.

III. No Offer

The information contained in the UBS Website is just for informational purposes. No information published on the UBS Website constitutes a solicitation, an offer, or a recommendation to buy or sell any goods or services, to effect any transactions, or to conclude any legal act of any kind whatsoever.

UBS does not intend to provide investment, legal or tax advice through the UBS Website.

IV. Forward Looking Statements

The UBS Website may contain statements that constitute “forward looking statements”. While these forward looking statements may represent UBS’ judgment and future expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from UBS’ expectations. UBS 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.

V. No Warranty

The information and materials contained on the UBS Website are provided “as is” and “as available”. UBS makes no representations or warranties of any kind, either express or implied, with respect to the information and functionality contained in the UBS Website, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, UBS does not warrant the accuracy, timeliness, completeness, reliability or availability of the UBS Website or the information or results obtained from use of the UBS Website, or that the UBS Website is virus-free or error-free.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the UBS Website or any content on it, whether express or implied.

VI. Viruses

You must not misuse the UBS Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the UBS Website, the server on which it is stored or any server, computer or database connected to the UBS Website. You must not attack the UBS Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the UBS Website will cease immediately.

VII. No Liability

To the fullest extent permitted by law, in no event shall UBS or any of its directors, employees or agents have any liability whatsoever to any person for any direct or indirect loss, liability, cost, claim, expense or damage of any kind, whether in contract or in tort, including negligence, breach of statutory duty or otherwise, arising out of or related to the use of all or part of these web pages, even if UBS has been advised of the possibility of the same.

Nothing in these Terms of Use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

VIII. Links / Linking

The UBS Website may contain third party content or links to third party websites. These content and links are provided solely for your convenience and information. UBS has no control over, does not assume any responsibility for and does not make any warranties or representations as to, any third party content or websites, including but not limited to, the accuracy, subject matter, quality or timeliness. UBS shall have no liability for third party content or websites or websites linking to or framing the UBS Website.

You may link to the UBS Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.  You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.  You must not establish a link to the UBS Website in any website that is not owned by you.  We reserve the right to withdraw linking permission without notice.

If you wish to make any use of content on the UBS Website other than that set out above, please contact [email protected]

iX. Social Bookmarks

The UBS Website may contain Social Bookmarks which are identifiable by means of respective buttons. Social Bookmarks allow users of certain social media platforms to post links of selected UBS web pages on their corresponding social media profile in order to bookmark them or share them with their social media contacts. If you use Social Bookmarks you will be sending identifying data to the respective social media platform. Any comments or activity arising from persons using Social Bookmarks is not controlled, endorsed or monitored by UBS and UBS shall not be responsible or liable for such. Persons who share UBS communications via Social Bookmarks are not authorized to speak for or represent UBS and their views and opinions must be regarded as strictly their own and not UBS’s. In addition, the provisions in these Terms of Use relating to Links also apply to Social Bookmarks.]

X. Passwords

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms of Use.

XI. Intellectual Property Rights

UBS, or the applicable third party owner, retains all right, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other right) in all information and content (including all text, data, graphics and logos) on the UBS Website. Individual pages and/or sections of the UBS Website may be printed for personal or internal use only, and provided that such print outs retain all applicable copyright or other proprietary notices. All users must not, without limitation, modify, copy, transmit, distribute, display, perform, reproduce, publish, license, frame, create derivative works from, transfer or otherwise use in any other way for commercial or public purposes in whole or in part any information, text, graphics, images, video clips, directories, databases, listings or software obtained from the UBS Website without the prior written permission of UBS. Systematic retrieval of content from the UBS Website to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) or creating links to the UBS Website without written permission from UBS is prohibited.

The key symbol, Unlimited* and UBS are among the registered and unregistered trademarks of UBS. Other marks may be trademarks of their respective owners. Except as noted above, you may not use any trademarks of UBS for any purpose without the written permission of UBS.

XII. Electronic Communication (E-Mail)

The Internet is an universally accessible medium. Ordinary E-mail messages sent over the Internet are neither confidential nor secure. They may be viewed by third parties, lost, intercepted or altered. E-mails may circulate across national borders, even if both sender and recipient are located in the same country.

You are therefore recommended to communicate with UBS by using a secure channel if such channel is provided by UBS. In no event should you use ordinary E-mail to transmit personal or confidential information.

UBS shall not be liable to you or anybody else for any damages incurred in connection with any messages sent to UBS using ordinary E-mail or any other electronic messaging system.

XIII. Severability Clause

To the extent that any provision of these Terms of Use is found by any competent court or authority to be invalid, unlawful or unenforceable in any jurisdiction, that provision shall be deemed not to be part of this disclaimer but such finding shall not affect the validity, lawfulness or enforceability of the remainder of these Terms of Use in that jurisdiction, nor shall it affect the validity, lawfulness or enforceability of these Terms of Use in any other jurisdiction.

XIV. Applicable Law

These Terms of Use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

XV. Conflict with Additional Terms

Certain web pages or areas on the UBS Website may contain additional terms, conditions, disclosures and disclaimers (together “Additional Terms”). In the event of a conflict between these Terms of Use and the Additional Terms, the Additional Terms will govern for those web pages or areas.