Disclaimer —

Terms of use and legal notices

By accessing this website, you implicitly declare that you have understood and acknowledge the conditions set out in the following paragraphs. Should you not agree with the terms of use and the legal notices, you should not attempt to access this website.

Access to the website and local legal restrictions

The website of VP Bank is not destined for individuals or legal entities which are subject to a system of laws which forbids the publication of, or access to, the website of VP Bank by virtue of the nationality of the individuals or companies concerned, by virtue of their place of residence or location of their registered office or for other reasons and which thus could give rise to an obligation for VP Bank to be registered. These individuals are not allowed to access the website of VP Bank.

In particular, the information on this website is not intended for individuals or companies having their registered office/place of residence in the USA, who possess the nationality of the USA or who can access this website from within the USA.

The investment products of VP Bank are not authorised for public distribution in all countries. The information contained on this website is not intended for particular groups of individuals but is addressed to readers who are interested in the investment products of VP Bank at large. The investment products of VP Bank are not licensed to be publicly distributed in all countries. Information on investment products, particularly investment funds, is therefore not intended for individuals and corporate entities which are subject to a system of laws which forbids the dissemination of such information or makes it conditional on VP Bank and/or the investment product obtaining a license or authorisation.

In particular, the investment products of VP Bank are not registered pursuant to the United States Investment Company Act of 1940 and the related securities are not registered pursuant to the United States Securities Act of 1933 (the “Law”). The investment products of VP Bank are not offered, sold or delivered in the USA or to US individuals (as defined in Regulation S of the Law). The information on this website constitutes neither an offer nor a solicitation in the USA or to US citizens to invest in investment products of VP Bank.

No offer or recommendation – non-binding character

The information on VP Bank’s website constitutes neither a solicitation to purchase (of whatever nature) nor an offer nor recommendation to purchase or sell investment instruments, to engage in other transactions or to conclude any legal transaction.

The information on the VP Bank website thus does not constitute an aid to reaching decisions on financial, legal, fiscal or other advisory issues, nor may investment or other decisions be made on the basis of this content alone. Professional advice from a qualified specialist is recommended.

The information to be found on this website is thus exclusively for information purposes and for use by the recipient.

No guarantee for topicality, accuracy or completeness of the information

The information on VP Bank’s website is compiled with the greatest care using sources which VP Bank deems reliable. In spite of all the care taken, VP Bank cannot assume any liability for the topicality, accuracy and completeness of the information. In particular, market and investment reports cannot be considered as complete analyses or summaries of the securities, markets or developments mentioned therein.

Linked websites (“Links”)

In the case of third-party websites which contain a link to this website of VP Bank or which are referred to with a link on this VP Bank website, it is to be noted that these are completely beyond the control or influence of VP Bank, for which reason VP Bank can assume no responsibility whatsoever for the accuracy, completeness and legality of the contents of these websites as well as for any offers and services contained therein. The explicit written consent of VP Bank is to be obtained in advance for links which lead to this VP Bank website from a third-party website.

Social media bookmarks

The website of VP Bank contains social media bookmarks which are recognisable on the relevant buttons. As a user of one or more social media platforms, you can activate the social media bookmarks so that links to selected content of the Internet pages of VP Bank are set on your own social media pages and thereby share that content with your friends or contacts. You should note that when you use these social media bookmarks you also simultaneously transmit identifying data to the corresponding social media provider. The resulting comments and activities are neither controlled nor monitored by VP Bank, and VP Bank assumes no liability whatsoever for any consequences in this regard. Persons who share and comment on such content by means of social media bookmarks voice their own personal opinions, which may not necessarily reflect those of VP Bank.

Amendments or supplements to the information

VP Bank reserves the right to amend or supplement the information on the website at any time, without prior notice.

Copyrights and trademarks

Both the content and the structure of the VP Bank website are protected by copyright, and their use through saving, downloading and printing, except for personal use, requires VP Bank’s prior written consent. The use of individual pages and/or sub-areas of this website, by downloading and/or printing, is only permitted provided that neither the copyright notices nor other legally protected designations are removed. VP Bank retains all proprietary rights.

Data security

When the VP Bank website is accessed or VP Bank is contacted electronically, data relating to website visitor and the originator of the contact are, in principle, transported via an open network accessible to all. Data can therefore be transmitted over borders, even if the visitor or sender and the receiver are in the same country. If individual data packets are transmitted in encrypted form, the visit or sender and recipient nonetheless remain unencrypted. The possibility also cannot be excluded that the communication will be seen and falsified by third parties in the open network, that the content may be lost, wholly or in part, and thus become incomplete or unusable, arrive late or contain viruses. Consequently, VP Bank cannot guarantee that these communications will be safe or error-free and cannot accept any liability for loss or damage of any kind. Finally, it is pointed out that a visit to this website, or contact, can leave traces in the Internet which, under certain circumstances, can serve as an indication of a relationship with VP Bank.

Data protection

The relevant regulations regarding data protection can be found at www.vpbank.com/en/data-protection.

Reference to other conditions of use and legal notices

On VP Bank’s website, special agreements and terms may be stipulated in individual sub-sections, in special informational areas and in relation to individual services. In the event of any conflicting interpretation, these special agreements and terms take precedence over the above terms of use and legal notices.