Legal Notices

1. Permission to use SA hereby grants you a revocable, non-transferable permission to access and use this website, subject to your acceptance of these Terms of Use and compliance with any restrictions set forth herein. You agree not to interrupt or interfere with the proper functioning of the website.

2. Important general information

The information presented on this website is intended for informational purposes only and does not constitute investment, tax or legal advice. This information should not be considered an offer, recommendation or solicitation to invest in any financial instruments or enter into financial services agreements or contracts. This information is not a substitute for personalised investment and product advice. Unless otherwise stated, pricing information presented on this website is not binding. It is important to note that the purchase of certificates is solely based on the sales documents provided by SA, which are the only binding source of purchase information and are available at no charge. Investors should be aware that the value of investments can fluctuate, and past performance is not indicative of future results.

3. Sales restrictions

The dissemination of information on this website and the purchase of investments may be subject to restrictions in certain states or to citizens of certain states, including the USA. Some products and services presented on this website may not be available in all states, as SA may require additional approvals and/or the products and services may not be approved for distribution in certain regions. This website is not intended for use by individuals or companies subject to such restrictions, or by individuals acting on behalf of such individuals or companies. In addition, certain products and services shown on this website are not available in all states. In some cases, they may only be available if SA has the required approval there and/or the relevant products and services are approved for sale there. Details will be provided upon request.

4. Important information for US persons

The content of this website, in particular the information about the certificates, is not for sale in the United States or to US persons, which includes US citizens resident in the US who are subject to US laws or companies to which US law applies. Consequently, the products mentioned on the website are not offered in the US nor are they offered to US persons. Please note that their transmission in the US and to US persons is also not permitted.

5. Forward-looking statements

This website may contain forward-looking statements. While these statements reflect the views and future expectations of SA, actual developments and results may differ materially from those expectations. SA is under no obligation and expressly disclaims any such obligation to update or change any of its forward-looking statements, whether as a result of new information, future events or otherwise.

6. Information / Data SA regularly reviews and updates the information on this website. Despite all care, the data underlying this information may have changed in the meantime. Therefore, SA cannot accept liability or guarantee for the topicality, correctness and completeness of the information, except for liability for gross negligence and intent. SA assumes no liability for damage of any kind resulting from the use of content and information on this website. SA does not warrant that the website or any feature or content on this site will be error-free, free of viruses or other harmful components, or that errors will be corrected.

7. Links to other sites

This website may contain references to other sites on the Internet. At the time of the initial reference, SA has checked for any legal violations, and there were none. However, SA has no control over the current or future design and content of the linked pages and assumes no liability for the content and design of such pages. Any use of this website is at your sole risk. If you find that we refer to websites with illegal or questionable content (such as racial hatred, pornography, fraud, deception etc.), please inform us, as such references are not intended. We will then remove the relevant references as soon as possible.

8. Copyright and Trademark Law

All rights, title and interest, including copyrights, trademarks, patents and other intellectual property rights and other rights, to, from and in all information and content, including all text, data, graphics and logos, on this website are subject in their entirety to the applicable terms and conditions and the proprietary rights of the respective registered owners. By using the website, you do not acquire any rights to the content. The copyright for published content created by SA shall remain the sole responsibility of SA. Reproduction or use of such content, graphics, sound documents, video sequences and texts in whole or in part in other electronic or printed publications or in any other form is prohibited without the written consent of SA. If written consent is given, it is necessary to observe the scope of the permission and to indicate the origin of the reproduction and the rights of SA.

9. Privacy Policy

Protecting your personal data during the collection, processing and use of your access of the website is a high priority for us. Your data are protected in accordance with statutory provisions. Every access to the website and every retrieval of a file stored on the website are logged for internal system-related and statistical purposes. The following information is logged: name of retrieved file, date and time of retrieval, amount of data transferred, message about successful retrieval, web browser and requesting domain. Additionally, the IP addresses of the requesting computers are logged. Additional personal data will only be collected if you voluntarily provide such information, for example, in the context of a request or registration. SA takes all technical and organisational measures to store your personal data in such a way that they are not accessible to third parties.

10. Communication by e-mail

The Internet is a widely available communication tool, but it is important to be aware that ordinary e-mails sent over the Internet are neither confidential nor secure. E-mails can be viewed, intercepted, changed or lost by others. E-mails can leave national borders, even if both sender and the recipient are within the country. As a result, it is not recommended to send personal or confidential information, especially account information, via e-mails. SA will not accept orders or instructions given by e-mail or other electronic messaging systems unless expressly agreed otherwise. SA shall not be liable to you or any other person for any damage incurred in connection with messages sent by ordinary e-mail or any other electronic messaging system. Therefore, it is recommended to use alternative methods, such as the postal service, for confidential information.

11. Limitation of Liability

We want to remind you that the use of the website is at your own risk. You are solely responsible for the consequences of using the website and downloading its content. SA cannot be held liable for damage of any kind resulting from information published on the website or missing information, including damage arising as a result of investment decisions. This disclaimer of liability covers claims of direct or indirect nature, tortuous nature, atypical nature or consequential damages. This exclusion of liability does not apply where not permissible under the applicable law or in the case of gross negligence and intentional conduct of SA.

12. Miscellaneous provisions

Governing law
Unless otherwise provided by contractual agreements or conflicting laws, these Terms of Use shall be governed by and construed in accordance with the laws of Luxembourg.

These Terms of Use shall apply to the users of the website and shall also extend to their respective successors in title, assignees and agents. Where these Terms of Use give rise to rights, SA may assign such rights to third parties.

Availability of the website SA reserves the right to change, suspend or discontinue the operation of the website at any time, including the services, information, features or functionalities offered on the website that are accessible as part of the intended use of the website. SA further reserves the right to limit the use of individual features, functionalities or services or to restrict access to the website in part or in whole without prior notice.

Transfer of tasks SA reserves the right to have third-party functions related to the operation of the site carried out by third parties.

Changes to the Terms of Use SA reserves the right to amend or supplement these Terms of Use. You should read these Terms of Use at the beginning of each use of this website to familiarise yourself with any changes.

Contractual agreements
Where contractual agreements between SA and you deviate from these Terms of Use, the contractual agreements shall prevail.

Severability clause
If any provision or part of any provision of these Terms of Use should be unlawful, ineffective or unenforceable, the lawfulness, effectiveness or enforceability of the remaining provisions of these Terms of Use shall remain unaffected.