DISCLAIMER AND TERMS AND CONDITIONS OF USE

1.   Ownership of website

This website (hereafter referred to as "fundinfo website") belongs to FE fundinfo (Switzerland) AG (hereafter referred to as "fundinfo"), a company based in Staffelstrasse 12, Postfach 8045 Zürich, Switzerland.

“fundinfo website” refers to both fundinfo.com and etfinfo.com.

2.   Accuracy and Currency of Information

fundinfo provides access to the information and documents available through the fundinfo website for personal use and information only. Although fundinfo takes all reasonable care to ensure that the information on this website is correct at the time of publication, it makes no representation or warranty (including liability towards third parties), express or implied, regarding the correctness, reliability or completeness of the information provided. fundinfo shall not be obliged to remove any outdated information from the fundinfo website or to expressly mark it as being outdated. The information provided on the fundinfo website may be modified at any time without prior notice. The posting of any information on the website should not be understood to imply that there has not been any change in the affairs since the date on which the information was filed with the relevant regulatory authority or published or that the information is accurate at any time subsequent to the date on which it was published. By accessing the fundinfo website or using any information provided on this website (for personal use or for third parties), you signify your agreement to this disclaimer and terms and conditions of use.

3.   Updates to Disclaimer and Terms and Conditions of Use

This disclaimer and terms and conditions of use may be updated at any time. Therefore, fundinfo advises you to read through this disclaimer and terms and conditions of use regularly to ensure that you are informed of any changes. The date on which this disclaimer and terms and conditions of use was last updated is given below.

4.   Use of fundinfo website

Subject to this disclaimer and terms and conditions of use, you may not:

a)   systematically copy (whether by printing off onto paper, storing on disk or in any other way) substantial parts of the fundinfo website; except where fundinfo provides a download-link.

b)   remove, change or obscure in any way anything on the fundinfo website or otherwise use any material contained on the fundinfo website except as set out in this disclaimer and terms and conditions of use;

c)   Use the fundinfo website for unlawful purposes or fail to comply with any applicable laws, statutes or regulations that apply to your access or use of the fundinfo website or any information taken or derived from it.

d)   pass on or make available all or part of the fundinfo website, data or documents from the fundinfo website to third parties for your own commercial purposes, whether for free or in return for payment.

5.   No advice offered by fundinfo.com

Nothing contained on the fundinfo website constitutes investment advice or advice to buy, sell or hold any financial product or an offer to buy, sell or hold any financial product and you will not treat any of the website's content as such.

Any investment or any other decisions shall not be made solely based on the fundinfo website content. Investments in any of the investment instruments described on the fundinfo website should only be made after carefully studying the corresponding fund prospectus, regulations and 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

Information contained on the fundinfo website is not tailored for your individual situation and, as a result, such information may be unsuitable for you and your investment decisions. You should consult a financial adviser before making any investment decision.

7.   No offer/inducement

No information published on this website constitutes an offer, a request or a recommendation to buy or sell any investment instruments or to conclude any other transactions or any legal act whatsoever.

8.   Past performance is not a guide to future returns

The future performance of an investment cannot be deduced from previous market value, i.e. the value of an investment may fall as well as rise. Therefore, good performance in the past does not guarantee good performance in the future. Investments in foreign currencies may also lose value as a result of changes in currency exchange rates and are therefore subject to greater risk. Therefore, fundinfo cannot guarantee that any capital invested will maintain its value or increase in value.

9.   No responsibility for links

Some links on the fundinfo website lead to third-party websites, which are completely beyond the control of fundinfo. Accordingly, fundinfo does not assume any responsibility for the accuracy, completeness or legality of the contents of such websites, or for any offers and services contained.

10.   Copyright

The entire content of the fundinfo website is subject to copyright with all rights reserved by fundinfo, by the different data providers or by the suppliers of the corresponding investment funds. You may save or print out a hard copy of individual pages and/or sections of the fundinfo website provided that you do not remove any copyright notices or any other legally protected proprietary notices. By saving or otherwise copying any data on the fundinfo website, you agree to be bound by these Terms of Use. All copyrights and rights of ownership shall remain with fundinfo, with the different data providers or with the suppliers of the corresponding investment funds.

11.   No links to the fundinfo website

You may not link to the fundinfo website without the prior written permission of fundinfo.

12.   Trademarks

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. Fundinfo, 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 fundinfo website and will enforce their rights to the full extent of the law.

13.   Directors´ Interests

fundinfo and/or its boards of directors, executive management 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 relevant fund providers or companies.

14.   Legality of Publication of the information on the  fundinfo website

The fundinfo website contains information and documents regarding numerous investment funds and is not directed to any person in any jurisdiction where (by reason of that person's nationality, tax residence or otherwise) the publication or availability of the fundinfo website is prohibited. Persons in respect of whom such prohibitions apply must not access the fundinfo website.

15.   Legality of the Distribution of Funds

Fund information and documents are provided either by fundinfo, by the different data providers or by the fund providers themselves. If the information and documents are published on the fundinfo website by fundinfo, then fundinfo will rely on the information provided by the fund providers regarding distribution licences for the investment instruments. fundinfo cannot be held liable for incorrect information regarding distribution licences. If the information and documents are uploaded to the fundinfo website directly by the fund providers, the fund providers shall be responsible for specifying the correct distribution licences.

 16.   Investor Profile

When accessing the fundinfo website for the first time, users are asked to specify their investor profile. The investment fund information and documents 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. fundinfo shall not be held liable for any damages or activities suffered by the user as a result of selecting the wrong investor profile.

17.   Location of Users

The fundinfo website is aimed at users in Spain.

18.   Limitation of liability arising from use of fund documents or website

Fund documents and information are published on the fundinfo website either by fundinfo, by the different data providers or by the various fund providers directly. Under no circumstances shall fundinfo 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 fundinfo website or from links to third-party websites.

19.   Viruses

Furthermore, fundinfo disclaims all liability for any tampering with the Internet user's computer system by unauthorized parties. In this regard, fundinfo expressly draws attention to the risk of viruses and the possibility of targeted attacks by hackers. In order to combat viruses, trojans, worms and other malware 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 e-mail from an unknown source as well as any unexpected attachment to an e-mail message should be avoided.

20.   Availability of the fundinfo website

fundinfo may suspend the operation of the fundinfo website at any time without notice. fundinfo does not warrant that access to or use of the fundinfo website or of any sites or pages linked to it will be uninterrupted or error free.

21.   Changes to form and content of the fundinfo website

fundinfo may change the format and content of the fundinfo website at its sole discretion at any time without notice. You should refresh your browser each time you visit the fundinfo website to ensure that you access the most up-to-date version of the fundinfo website and any information appearing on it.

22.   Entire Understanding

This disclaimer and terms and conditions form the entire understanding of you and fundinfo with respect to the subject matter hereof and supersedes all previous agreements, understandings and representations relating to that subject matter.

23.   Fund Ratings

Fund ratings by various rating agencies are published on specific fundinfo websites. The copyright for these fund ratings rests with the rating agency that published them. You may not copy, reproduce, repackage, further transmit, transfer, disseminate, redistribute or sell, or store, in whole or in part, in any form or manner or by any means whatsoever, any of the fund ratings. 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 fundinfo warrant that the fund ratings published on fundinfo.com are up to date, correct or complete. fundinfo and the rating agencies whose fund ratings are published on the fundinfo 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.

24.   No contract

No contract between you and fundinfo shall arise out of your use of the fundinfo website and fundinfo shall not have any contractual or quasi-contractual liability to you.

25.   Assignability

You agree that fundinfo may sub-contract the performance of any of its obligations or may assign this disclaimer and terms and conditions or any of its rights or obligations without your consent or the need to give you notice.

26.   Governing Law

This disclaimer and terms and conditions shall be governed and interpreted in accordance with the law of the Swiss Federation, and you consent to the exclusive jurisdiction of the Swiss Courts.

27.   Severability

If any provision of this disclaimer and terms and conditions of use is found to be unenforceable, that finding will not affect the validity of any other provision.

 31 October 2019