1.- Ownership of the website
This website (hereafter referred to as "GFD website") belongs to GFD SA (hereafter referred to as "GFD"), a company based in Switzerland.
2.- Accuracy and up-to-dateness of the information
3.- Updates to this Terms and Conditions
This document may be updated at any time. Therefore, GFD advises you to download and read it again regularly to ensure that you are informed of any changes. The date on which this document was last updated is shown below.
4.- Use of the GFD website
5.- No investment advice offered by GFD.com
No information published on the GFD website constitutes financial, legal, tax or other advice, nor should any investment or any other decision be made solely based on this information. Investments in any of the investment instruments described on the GFD website should only be made after carefully studying the corresponding prospectus and fund contract as well as the annual or half-yearly report including all the legal information therein. You should obtain advice from a qualified expert before making any investment decision.
6.- Information not tailored to your situation
The information contained on the GFD website is neither tailored to nor oriented towards your individual situation. Therefore, such information may be completely unsuitable for or inapplicable to your individual investment decisions. You should obtain personal advice from a qualified expert before making any investment decision.
7.- No offer
No information published on this website constitutes a solicitation, offer or recommendation to buy or sell any investment instruments or to conclude any other transactions or any legal acts whatsoever.
8.- Forward-looking statements
The value of an investment may fall as well as rise at any time. The future performance of an investment cannot be deduced from previous market value. Therefore, good performance in the past does not guarantee good performance in the future. Investments in foreign currencies are additionally subject to exchange rate fluctuations and therefore carry a higher level of risk. Therefore, GFD cannot guarantee that any capital invested will maintain its value or increase in value.
The GFD website may contain forward-looking statements. Even if such forward-looking statements reflect the views and future expectations of the corresponding fund providers, a series of risks, uncertainties and other factors may cause actual developments and results to diverge substantially from the fund providers' expectations. GFD is not obliged (and explicitly declines any obligation) to update or change the forward-looking statements of the corresponding fund providers, on the basis of either new information or future events or for any other reason.
9.- No legal responsibility for links and third-party content
The GFD website contains links to third-party websites, which are completely beyond the control of GFD. Accordingly, GFD accepts no responsibility for the accuracy, completeness or legality of the content of such websites or for any offers and services contained thereon.
11.- No links to the GFD website
You may not link to the GFD website without the prior written consent of GFD.
Nothing on this website shall be construed as granting any licence or right to use any image, registered trademark, logo or software. Downloading or copying of this website or of parts thereof shall not transfer any title to you. GFD, the different data providers or the fund providers supplying fund information, data or documents reserve all rights (in particular with respect to copyrights and trademark ownership) to all material on the GFD website and will enforce their rights to the full extent of the law.
13.- Disclosure of interests
GFD and/or its boards of directors, managers and employees may have or have had interests in the listed investment instruments or have or have had positions in the relevant securities. Furthermore, such entities or persons may have or have had a relationship with or may provide or have provided other services to or serve or have served as directors of the relevant fund providers or companies.
14.- Legal restrictions on use
The GFD website contains information and documents regarding numerous investment funds and is not directed at any person in any jurisdiction in which (by reason of that person's nationality, tax residence or otherwise) publication of or access to the GFD website is prohibited. Persons in respect of whom such local restrictions apply must not access the GFD website.
15.- Distribution licences for investment instruments and shares
Fund information and documents are provided either by GFD, by the different data providers or by the fund providers themselves. If the information and documents are published on the GFD website by GFD, then GFD will rely on the information provided by the fund providers regarding distribution licences for the investment instruments. GFD cannot be held liable for incorrect information regarding distribution licences. If the information and documents are uploaded to the GFD website directly by the fund providers, the fund providers shall be responsible for specifying the correct distribution licences.
16.- User profile
When accessing the GFD website for the first time, users are required to specify their investor profile and domicile. The investment fund documents and information provided thereafter are intended exclusively for users with the specified investor profile. Selecting the wrong investor profile may result in access to information and documents relating to investment funds which the user is not authorized to access. The user undertakes to select the correct investor profile. GFD shall not be held liable for any damages or action incurred by the user as a result of selecting the wrong investor profile.
17.- Location of users and additional regional information
The GFD website is exclusively targeted at users in Switzerland.
For the purpose of clarification, users in Switzerland should note that the term “professional investor“ in the check boxes refers to a qualified investor as defined in Article 10 Para. 3, 3bis or 3ter, of the Collective Investment Schemes Act (CISA). The term “private investor“ in the check boxes refers to an investor other than a qualified investor within the above-mentioned definition.
18.- Exclusion of liability with regard to the documents and information on the GFD website
Fund documents and information are published on the GFD website either by GFD, by the different data providers or by the various fund providers directly. Under no circumstances shall GFD be held liable for any direct, indirect or consequential damages or losses resulting from use of the fund documents or information, from access to the GFD website or from links to third-party websites.
19.- Computer viruses, malware and spyware
Furthermore, GFD disclaims all liability for any tampering with the Internet user's computer system by unauthorized parties. In this regard, GFD expressly draws attention to the risk of viruses and the possibility of targeted attacks from malware and spyware programmes. In order to combat viruses, it is recommended that the most recent browser versions be used and that anti-virus software be installed and continually updated. As a rule, the opening of any email from an unknown source as well as any unexpected attachment to an email message should be avoided.
20.- Availability of the GFD website
GFD may suspend the operation of the GFD website at any time for maintenance or repair work or to update or improve the website’s content or functionality. GFD does not warrant that access to or use of the website or of any sites or pages linked to it will be uninterrupted or error free.
21.- Changes to the format and content of the GFD website
GFD may change the format and content of the GFD website at its sole discretion. You should refresh your browser each time you visit the GFD website to ensure that you access the most up-to-date version of the website.
22.- Entire understanding
This document forms the entire understanding between you and GFD with respect to use of the GFD website and supersedes all previous agreements, understandings and representations relating to use thereof.
23.- Fund ratings
Fund ratings by various rating agencies are published on specific GFD websites. The copyright for these fund ratings rests with the rating agency that published them. You should exercise caution in the use of fund ratings. Your individual circumstances have not been considered by the rating agencies in preparing the fund ratings. Therefore, fund ratings should never be considered a recommendation to buy, hold or sell a particular investment instrument. Neither the rating agencies nor GFD warrant that the fund ratings published on GFD.com are up to date, correct or complete. GFD and the rating agencies whose fund ratings are published on the GFD website hereby expressly exclude any liability for any direct or indirect damages, costs or losses you may suffer as a result of using fund ratings.
You hereby agree that GFD may sub-contract the performance of any activity relating to the operation of the GFD website and may assign any of the provisions of this document to a third party at any time without the need to give you any notice.
25.- Place of jurisdiction and applicable law
If any of the provisions of this document should be held to be unenforceable, the remaining provisions will remain in full force and effect.