Accessing the Website
By accessing this website (the “Website”), the pages contained on it, and the information and material contained or described herein (together the “Information”), you acknowledge your agreement with, and understanding of, the following terms and conditions of use.

Purpose of Information
The Information has been prepared solely for purposes of information. Under no circumstances should the Information be used or considered as an offer to sell or the invitation or solicitation of an offer to buy any product or service offered by HQ CH AG including its affiliates and its and theirs directors, officers, advisors and employees (“HQ CH”). The Information is in summary form for convenience of presentation and it should not be relied upon as such.

Exclusion of Liability
HQ CH does not give any representation or warranty as to the accuracy, reliability, timeliness or completeness of the Information, nor as to the appropriateness of the Information for any use which any individual user may choose to make of it and accepts no responsibility for updating any part of the Information. HQ CH does not accept any liability for any error, omission or misrepresentation in relation to the Information or for any loss, damage, cost or expense (whether direct, indirect, consequential or otherwise) suffered by the individual user of this Information or any other person as a result of any use of the Website or reliance upon any Information or statement of any kind contained herein. The Information and opinions are provided by HQ CH for informational purposes only and are subject to change without notice.

Use of the Website / Use of Information
The individual user shall not use the Website in any way that is fraudulent or unlawful. The Information is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

Past Performance / Forward-looking Statements
Nothing herein shall be relied upon as a promise or representation as to past or future performance.

Internet Security
When accessing the Website individual users should be aware that the internet is generally not regarded as a secure environment, and that data sent via the internet can be accessed by unauthorized third parties, potentially leading to disclosures, changes in content or technical failures. Data sent via the internet may be transmitted across international borders even though both sender and receiver are located in the same country. HQ CH does not accept any responsibility or liability for the security of data whilst in transit via the internet.

Links
The Website may contain certain links. Activating links on the Website may cause individual users to leave the Website. Such links are provided solely for individual users’ convenience and information. HQ CH has not reviewed any of the websites linked with or connected to the Website and using links on or to the Website is at each individual user’s own risk.

IP Rights
The Website including all Information is owned by or licensed to HQ CH and is subject to and protected by various intellectual property rights including but not limited to copyright, trade secrets, trademarks, service marks, brand names and other proprietary rights whether under contract, statute or any similar provisions (“IP Rights”). All IP Rights are and shall remain the exclusive property of HQ CH, its respective third party licensors or third parties to whom it is attributed and in using the Website individual users shall not obtain any rights, title or other interest in or to any information on the Website or related IP Rights. Subject to the above, individual users are entitled to view the Information on the Website and to copy and print such information for personal use. Individual users are not permitted to sell or distribute or otherwise deal with the Information on the Website or any deviations of such information without the prior written consent of HQ CH.

Jurisdiction and Governing Law
Any dispute arising out of or in connection with the Website shall be subject to Swiss law (excluding conflict of laws provisions), and shall, subject to appeal, exclusively be referred to the competent courts of Zurich (Canton of Zurich), Switzerland.