Legal provisions

Important legal notice: Please read the following legal provisions.

Persons who access information published on the website of Carat Solutions AG agree to the following conditions.

Access to the information contained on this website may be restricted by laws and regulations applicable to the user. Persons and categories of persons in respect of whom such prohibitions apply must not access this website. All users are themselves responsible for ensuring that they are aware of the restrictions imposed on them before accessing this website, and for complying with such restrictions.

Structured products
Structured products are not regarded as participation in a collective investment scheme in the sense of the Swiss Federal Act on Collective Investment Schemes (KAG) and are therefore not subject to authorisation and supervision by the Swiss Financial Market Supervisory Authority (FINMA).

Investment performance
Losses in the value of investments and the income therefrom cannot be ruled out. Results achieved in the past are no guarantee of future progression. We do not provide investment or other advice to you or any other party on this website. No information or material on the website is to be relied upon for the purpose of making or communicating investments or other decisions.

Links to other websites 
This website contains hyperlinks to other websites. If you choose to follow such links to other sites outside this website, you do so at your own risk and under your own responsibility. Carat Solutions AG has not checked any of the linked websites and assumes no responsibility for the content of such websites or for the products or services offered by these.

Please contact your tax advisor for information on the tax legislation in the tax domicile of the investor relating to the holding and the purchase or sale of shares, fund units and other investment products and the related effects on taxation.

Copyright, trademark rights, licensing rights and other rights 
All elements of our website are protected by copyright. Individual pages and/or sections of the Carat Solutions AG website may be saved or printed out, insofar as neither the copyright notices nor other legally protected designations are removed. By storing or otherwise reproducing software or other data on our website, users are agreeing to comply with and be bound by the relevant terms and conditions of use. All rights of ownership remain with Carat Solutions AG. The complete or partial reproduction, transmission (either electronically or by other means), modification, linking or use of this website for public or commercial purposes is prohibited without the prior written consent of Carat Solutions AG.

No offer
Neither the information published on this website nor any opinion expressed hereon constitutes a solicitation, offer or recommendation to buy, sell or otherwise dispose of any investment, to engage in any other transaction, or to provide any investment advice or service. None of the services, investments or investment funds referred to on this site are intended for persons resident in a country or state where it would be contrary to local laws and/or regulations to offer or sell such products.

Local regulatory barriers
The Carat Solutions AG website is not intended for individuals in a state in which (due to nationality or domicile or on other grounds) the publication of or access to this website is prohibited by law.

No warranty and no guarantee 
Although we seek to ensure that the information on this website is accurate and complete at the time of publication and has been obtained from sources believed to be reliable, no warranty expressed or implied is made as to its accuracy, reliability, actuality and completeness by Carat Solutions AG and its information providers. Any opinions and any other information provided on this website can change at any time.

Exclusion of liability 
We explicitly reject any liability for the consequences of anything done or omitted to be done wholly or partly in reliance on the information on this website. Moreover, we shall assume no liability for losses or damage arising from the use of or reliance on the information contained on the website or for any possible loss of profits or other direct or indirect losses.

Note on copyright and reproduction right
The entire content of the Carat Solutions AG website is subject to copyright with reservation of all rights. You may not reproduce, modify or use for any public or commercial purpose the website (in whole or in part) without the prior written permission of Carat Solutions AG. If you want to link into our website, please submit a written request beforehand.

Right to refuse
Carat Solutions AG is not a bank and therefore does not accept or solicit any cash deposits. Carat Solutions AG solely as an intermediary between Swiss financial institutions and foreign and domestic customers. Carat Solutions AG reserves the right to refuse any costumer without giving any reason or explanation, and cannot be held responsible for such a refusal.

Applicable law
Should a legal relationship result from the use of the Carat Solutions AG website, this will be subject to Swiss law.

Information provided on Carat Solutions AG documents
Product Information Sheets provided by Carat Solutions AG cannot substitute original Termsheet provided by the issuer once product is launched.