Please read the following legal notices / terms and conditions of use ("Terms and Conditions of Use") carefully before accessing the website of OIKOS Wealth Management GmbH (hereinafter “OIKOS Website”)

 

By accessing the OIKOS Website, you agree that you understand and fully accept the Terms and Conditions of Use. If you do not understand or do not accept any provisions of the Terms and Conditions of Use, please leave the OIKOS Website.

 

The OIKOS Website must not be accessed by persons who (in particular on the basis of their nationality and/or residence) are subject to any jurisdiction prohibiting publication of the contents of the OIKOS Website or access to the  OIKOS Website for whatever reasons. Persons to whom these restrictions apply are not allowed access to the OIKOS Website. Restrictions apply in particular to citizens and/or residents of the United States of America (USA), Great Britain (GB), and the Cayman Islands.

 

The information and opinions published on the OIKOS Website do not constitute an advertisement or a recommendation, solicitation, offer or invitation to submit an offer to (i) purchase or sell any investment instruments, (ii) perform any other transactions, or (iii) conclude any other legal transactions. They are merely for information purposes. It cannot be ruled out that the investment instruments and services described are not suitable or not available for you.

 

The information and opinions published on the OIKOS Website are not to be construed as investment advice or any other kind of advice on legal, tax, financial or other issues. They are not suitable to be used as a basis for decision-making. Please consult a specialized expert before making any decision to take concrete action.

 

OIKOS provides no warranty (neither express nor implicit) that the information and opinions published on the OIKOS Website are correct, accurate, complete, true and up-to-date. In particular, OIKOS is in no way obligated to update outdated information or opinions, remove them from the OIKOS Website or mark them correspondingly. The information and opinions contained on the OIKOS Website are subject to change at any time without notice. Likewise, OIKOS assumes no responsibility and gives no warranty that (i) the OIKOS Website will perform without error or interruption, and (ii) that the OIKOS Website and all other components used in accessing the OIKOS Website contain no harmful elements (particularly viruses).

 

We wish to point out that past performance of an investment instrument is not necessarily indicative of its performance in the future. Moreover, investments in foreign currencies are subject to exchange rate fluctuations. Also, distributions in connection with an investment instrument may vary. OIKOS does not provide any warranty for (i) the increase in or maintenance of the value of investment instruments and (ii) the amount of future distributions.

 

Liability of OIKOS for damage of any kind (including consequential damage) directly or indirectly resulting from access to the OIKOS Website shall be excluded except where there is intent or gross negligence.

 

The Internet is generally not regarded as a secure environment, and information sent via the Internet can be accessed by unauthorized third parties, potentially leading to disclosures, changes in content or technical failures. Even if both sender and receiver are located in the same country, information sent via the Internet may be transmitted across international borders and be forwarded to a country with a lower data protection level than exists in your country of residence.

 

Please note that we accept no responsibility or liability for the security of your information whilst in transit over the Internet to OIKOS.

 

Please be aware that there are inherent security risks in transmitting data, such as e-mails, via the Internet, because it is impossible to safeguard completely against unauthorized access by third parties. Nevertheless, we shall safeguard your data, subject to this limitation. In particular, personal information will be transmitted via the Internet only if it does not infringe upon third-party rights, unless the respective party has given its prior consent in view of such security risks. Accordingly, as the Web site provider, we shall not be held liable for any damages incurred as a consequence of such security risks or for any related acts of omission on our part.

 

We oppose the use of any available contact information by a third party for sending unsolicited advertisements. As the Web site provider, we reserve the express right to take legal action against unsolicited mailing or e-mailing of spam and other similar advertising materials.

 

All elements contained on the OIKOS Website are protected by intangible property rights and are owned by OIKOS or third parties. The downloading or printing of elements of the OIKOS Website does not involve the transfer of any rights whatsoever, particularly no rights relating to software, trademarks or elements of the OIKOS Website. Notices relating to copyrights and brands must neither be changed nor removed.

 

The reproduction of elements of the OIKOS Website in whole or in part, in whatever form (particularly in electronic or printed form), is only allowed with full acknowledgment of source. The publication of reproduced elements of the OIKOS Website is only allowed with the prior written consent of OIKOS and with full acknowledgment of source.

 

It is possible that OIKOS itself or its directors or employees invested, are investing or will invest in investment instruments with respect to which the OIKOS Website contains information or opinions. Moreover, it is possible that OIKOS provided, is providing or will provide services to the issuers of such investment instruments, e.g. in the field of corporate finance or market making. Furthermore, it cannot be ruled out that employees or directors of OIKOS engaged, are engaging or will engage in activities for the issuers of such investment instruments, e.g. as directors. OIKOS itself or its directors or employees could therefore have an interest in the future performance of investment instruments.

 

The OIKOS Website may contain links to websites which are not reviewed and offered by OIKOS. Should you activate such links, you leave the OIKOS Website at your own risk. OIKOS has not investigated such websites and is not responsible for their contents.

 

OIKOS reserves the right to change these Terms and Conditions of Use from time to time. Therefore, please read these Terms and Conditions of Use whenever you access the OIKOS Website and check whether you also agree with the new version. If you do not understand or do not accept any provisions of the present Terms and Conditions of Use, please leave the OIKOS Website.

 

The use of the OIKOS Website as well as these Terms and Conditions of Use and Legal Notices are subject to the laws of Switzerland. The exclusive place of jurisdiction is Zurich, Switzerland.