Terms of use and legal notice

1. Binding effect of the terms of use

By accessing the website of the Liechtensteinisches Pfandbriefinstitut, you accept the legally binding effect of the following terms of use and legal notice (hereinafter referred to as the “terms of use”). If you do not consent to them or are subject to access restrictions, you should refrain from accessing the website of the Liechtensteinisches Pfandbriefinstitut.

The Liechtensteinisches Pfandbriefinstitut reserves the right to amend these terms of use from time to time. You should therefore check on a regular basis or each time you access the website of the Liechtensteinisches Pfandbriefinstitut whether they have changed and, if appropriate, whether you also consent to the new version. You will find the date on which they were revised at the beginning of these terms of use.

2. Investment products of the Liechtensteinisches Pfandbriefinstitut are not authorized for public sale in all countries of the world

The information published on the website of the Liechtensteinisches Pfandbriefinstitut is intended not for specific persons, but generally for readers with an interest in investment products of the Liechtensteinisches Pfandbriefinstitut. Those wishing to buy investment products should in every case pay close attention to the sales prospectus with integrated investment regulations and the annual/semi-annual reports before doing so. Investment products of the Liechtensteinisches Pfandbriefinstitut are not approved for sale in all countries of the world. The website of the Liechtensteinisches Pfandbriefinstitut is not intended for persons subject to a jurisdiction that prohibits the publication of or access to the website of the Liechtensteinisches Pfandbriefinstitut due to their nationality or domicile or for any other reason. Persons subject to such restrictions may not access the website of the Liechtensteinisches Pfandbriefinstitut.

“In particular, investment products of the Liechtensteinisches Pfandbriefinstitut are not registered investment companies under the United States Investment Company Act of 1940 and these securities have not been registered under the United States Securities Act of 1933 (the “Act”) and are not offered, sold or distributed in the United States or to U.S. persons (as defined in Regulation S under the Act). Nothing contained herein shall constitute an offer or solicitation of an offer to invest in any such investment products in the United States or to U.S. persons.”

The term “United States” in the context of this document refers to the United States of America, its individual states, territories and dominions as well as all regions under US jurisdiction.

Only collective investments approved and registered for public sale in the United Kingdom may be publicly offered and sold in the United Kingdom. investment products of the Liechtensteinisches Pfandbriefinstitut are not registered in the United Kingdom. The information on web pages of the Liechtensteinisches Pfandbriefinstitut is thus not intended for UK residents.

3. Not a recommendation, not an offer

All information provided on the website of the Liechtensteinisches Pfandbriefinstitut is for information purposes only. In particular, none of the information on these Web pages constitutes a recommendation, an offer or a solicitation to buy or sell Pfandbriefe or to effect or enter into transactions (hereinafter referred to as “transactions”). Some content may be advertising material for Pfandbriefe. The information is not an aid to be used in making decisions about financial, legal, tax or other advisory matters; nor is it a suitable and sufficient basis on which to make decisions about investments or other transactions. Therefore, it does not replace the advice provided by a qualified professional.

Unless expressly stated or agreed otherwise, the Liechtensteinisches Pfandbriefinstitut does not accept instructions issued by e-mail.

4. No guarantee of the information’s topicality, accuracy or completeness

Market and investment reports and other publications on the website of the Liechtensteinisches Pfandbriefinstitut are based on sources of information that the Liechtensteinisches Pfandbriefinstitut considers to be reliable. Nevertheless, the Liechtensteinisches Pfandbriefinstitut cannot vouch for the content of the information; nor can the information be regarded as a full account or summary of the investments, transactions, markets or developments mentioned therein. The content may change at any time or be based on incorrect third-party information. Therefore, the Liechtensteinisches Pfandbriefinstitut does not guarantee or accept liability for the accuracy, completeness or topicality of the information.

5. Risk information / investment performance

The value of investments may rise or fall at any time. Positive performance in the past is therefore no guarantee of positive performance in the future. In addition, investments in foreign currencies are subject to currency fluctuations. There is a possibility that investors may not receive back any or all of the amount they invested. Furthermore, potential investors should find out about the possible tax consequences of purchasing, owning and selling investments at their place of residence and, if necessary, obtain advice at their place of residence.

6. Market and stock exchange data

The prices given are indicative and are provided by our Information Service Providers for information purposes only. They are not intended as an offer, solicitation of an offer, or recommendation to buy or sell any investment or other specific product. The information is subject to different delays depending on the stock exchange, but will be delayed by at least 15 minutes. These prices are therefore not binding and do not take, in particular, any additional costs into account.

We cannot provide any assurance or guarantee as to the information being correct, complete and up to date and do not accept any liability for direct or indirect and consequential loss or damage.

7. Linked websites

The Liechtensteinisches Pfandbriefinstitut has no influence over the layout or content of the websites of other operators (hereinafter referred to as “third-party websites”), even if they are linked to the website of the Liechtensteinisches Pfandbriefinstitut or contain links to the website of the Liechtensteinisches Pfandbriefinstitut. Therefore, the Liechtensteinisches Pfandbriefinstitut cannot accept responsibility for the accuracy, completeness, topicality or legality of the content of third-party websites or for any information, offers or services contained on them. Responsibility and liability for linked third-party websites lie with the operators in question.

Links from a third-party web page to a web page of the Liechtensteinisches Pfandbriefinstitut require the Liechtensteinisches Pfandbriefinstitut’s prior written consent.

8. Services of third-party providers

Social media are services with websites that are operated by third-party providers and therefore neither belong to nor are managed by the Liechtensteinisches Pfandbriefinstitut. The Liechtensteinisches Pfandbriefinstitut’s social media sites are a service provided without making any guarantee that the services will always be accessible, function properly or be suitable for particular purposes. The Liechtensteinisches Pfandbriefinstitut cannot control, confirm, influence or monitor the user comments or activities that result from the Liechtensteinisches Pfandbriefinstitut articles being forwarded by users to services of third-party providers or elsewhere. Information relating to business relationships with clients may not be communicated through social media. In addition, the Liechtensteinisches Pfandbriefinstitut does not accept responsibility or liability for data protection compliance by third-party service providers or operators of third-party websites linked through the services.

9. Amendments or additions to the information

The Liechtensteinisches Pfandbriefinstitut reserves the right to amend or add to the information provided or to remove some or all of the information at any time without prior notification. However, the Liechtensteinisches Pfandbriefinstitut is not obligated to delete out-of-date information or to expressly indicate it as such.

10. Rights of ownership

All rights and titles to the website of the Liechtensteinisches Pfandbriefinstitut and the information and programs contained on it (proprietary rights, copyrights, trademarks, logos, patents, further intellectual property rights and other rights) are owned by the Liechtensteinisches Pfandbriefinstitut or the holder of the right in question. Individual pages and/or sections of the website of the Liechtensteinisches Pfandbriefinstitut may only be stored or printed out for private and internal purposes and provided neither the copyright notices nor the other designations protected by law are removed. Even after information or programs have been stored, printed out or otherwise used, all rights remain with the Liechtensteinisches Pfandbriefinstitut or the holder of the right in question. The reproduction (in full or in part), in particular the use of texts, sections of text or image material, transfer (electronically or by other means), modification, linking or use of the website of the Liechtensteinisches Pfandbriefinstitut for public or commercial purposes requires the Liechtensteinisches Pfandbriefinstitut’s prior written consent.

The content and rights of third parties are marked as such. Their proprietary, patent, trademark, ownership or other protective rights must also be protected. The third parties’ consent or appropriate authorization is usually required in order to be able to use third-party content.

11. No liability (exclusion of liability)

The Liechtensteinisches Pfandbriefinstitut expressly disclaims all liability for direct or indirect losses (including lost profits), damage, liability claims, receivables, costs or consequential damage that result from the use of or access to the website of the Liechtensteinisches Pfandbriefinstitut or from links to third-party websites or that may occur due to information being retrieved on the website of the Liechtensteinisches Pfandbriefinstitut. This also applies to liability as a result of negligence, even if the Liechtensteinisches Pfandbriefinstitut was informed about the possibility of such consequences.

The Liechtensteinisches Pfandbriefinstitut also disclaims all liability for any kind of manipulation of the user’s IT system. It specifically draws attention to the risks of viruses or other harmful programs and to the possibility of hacking attacks. It is highly recommended, therefore, that you use the latest browser versions and anti-virus software.

12. Data protection and security during data transfer

Please read the data protection notice, which informs you about how the Liechtensteinisches Pfandbriefinstitut handles personal data and about data security on the Internet.

13. Severability clause

Should one or more provisions of these terms of use be invalid, unlawful or ineffective, the text as a whole shall remain binding.

14. Inconsistent provisions

Certain web pages or sections of the website of the Liechtensteinisches Pfandbriefinstitut may contain additional notices, statements, terms or provisions (hereinafter referred to as “provisions”). In the event of an inconsistency between these terms of use and the provisions, the provisions for the web pages or sections in question shall take precedence.

15. Applicable law and jurisdiction

The user’s access to the website of the Liechtensteinisches Pfandbriefinstitut, the use of the website of the Liechtensteinisches Pfandbriefinstitut and these terms of use shall be subject to Liechtenstein law. Vaduz shall be the exclusive place of jurisdiction.

Terms of use and legal notice – © Liechtensteinisches Pfandbriefinstitut – All rights reserved