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Terms & Conditions

By accessing this website (“ Site”) you agree to be legally bound by these Terms & Conditions (“Terms & Conditions”). Please also consult the applicable additional legal information for your relevant country if needed.

If you do not agree to these Terms & Conditions, do not proceed to additional web pages of the Site.

These Terms & Conditions as well as the information and materials contained throughout the Site are subject to change from time to time without notice. The last line of these Terms & Conditions indicates the date of its last update.

Access Subject to Local Restrictions

The Site 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 (1) the distribution of such information or functionality is contrary to the laws of such jurisdiction or (2) such distribution is prohibited without obtaining the necessary licenses or authorizations and such licenses or authorizations have not been obtained.

Products and Services

Products and services displayed on the Site may not be eligible for sale or available to residents of certain states, countries or certain categories of investors.

Any materials available on the Site have no regard to the specific investment objectives, financial situation or particular needs of any specific recipient. Any documentation or reporting available on the Site is published for informational purposes only and is not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments.

Unless specifically stated otherwise, all price information is indicative only. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the materials, nor are they a complete statement of the securities, markets or developments referred to herein. is not under any obligation to update or keep current the information contained herein.

No Offer

The information contained in the Site is for informational purposes only. No information published on the Site constitutes a solicitation, an offer, or a recommendation to buy or sell any investment instruments, to effect any transactions, or to conduct any legal act of any kind whatsoever. does not intend to provide investment, legal or tax advice through the Site and does not represent that any securities or services discussed are suitable for every investor.

When making a decision about your investments, you should seek the advice of a professional financial advisor.

Forward Looking Statements

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

No Warranty

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

No Liability

To the fullest extent permitted by law, in no event shall 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, or otherwise, arising out of or related to the use of all or part of these web pages, even if has been advised of the possibility of the same.


The Site may contain third party content or links to third party websites. These content and links are provided solely for your convenience and information. 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. shall have no liability for third party content or websites or websites linking to or framing the Site.

Social Sharing

The Site may contain Social Sharing options which are identifiable by means of respective buttons on certain posts or pages within the Site. Social Sharing allows users of certain social media platforms to post links of selected web pages or blog posts on their corresponding social media profiles in order to bookmark them or share them with their social media contacts.

If you engage in Social Sharing you will be sending identifying data to the respective social media platform, irrespective of the Site. Any comments or activity arising from persons using Social Sharing is not controlled, endorsed or monitored by and will not be held responsible or liable for such.

Any persons who share communications or information via Social Sharing are not authorized to act as an agent of, to speak for or represent and their views and opinions must be regarded as strictly their own and not’s. In addition, the provisions in these Terms & Conditions relating to Links also apply to Social Sharing.

Intellectual Property Rights retains all rights, title and interest (including copyrights, trademarks, patents, and any other intellectual property or other right in any form) in all information and content (including all text, data, graphics and logos) on the Site. Individual pages and/or sections of the Site may be printed for personal, educational, 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, 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 Site without the prior written consent of Systematic retrieval of content from the Site to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automated devices or manual processes) or creating links from the Site without written permission from, Inc. is prohibited.

All marks and logos on the Site are property of, Inc. and should not be altered or disseminated without express written consent of, Inc.

Electronic Communication (E-Mail)

Ordinary E-mail messages 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.

Unless explicitly stated otherwise, does not accept any orders or instructions sent by E-mail or any other electronic messaging system. shall not be liable to you or any third party for damages incurred in connection with any messages sent to using ordinary E-mail or any other electronic messaging system.

Severability Clause

To the extent that any provision of these Terms & Conditions 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 & Conditions in that jurisdiction, nor shall it affect the validity, lawfulness or enforceability of these Terms & Conditions in any other jurisdiction.

Conflict with Additional Terms

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

Updated June 2018