Legal notices

Please read the terms and conditions and the legal notices that apply to the information you are obtaining or the services you are using before proceeding.

Terms and conditions and legal notices

By accessing the Pfandbriefzentrale website, including the services, information and documents contained on it (referred to hereinafter as "elements"), you hereby confirm that you have understood and accepted the terms and conditions and legal notices. You should otherwise refrain from accessing the Pfandbriefzentrale website.

This website, including the terms and conditions and legal notices, is subject to change at any time. We therefore recommend that you regularly read the latest version.

Target audience

The Pfandbriefzentrale's products and services are provided solely for natural persons and legal entities domiciled in Switzerland. In particular, this website is not intended for persons subject to legislation that prohibits the publication, provision of, or access to the content – e.g. due to the user's nationality or for other reasons. Persons subject to such restrictions are not permitted to access this website. Specifically, no information from this website shall be distributed and/or forwarded to persons who are potentially US persons as defined by Regulation S of the 1933 US Securities Act. By definition, a "US person" means any natural person resident in the United States, or any legal entity, any corporation, any firm, general partnership or other entity organized or incorporated under the laws of the United States. The categorisation under Regulation S applies.

Caveat with regard to intellectual property rights

Unless otherwise stated, all elements on the Pfandbriefzentrale website constitute the exclusive property of Pfandbriefzentrale (in particular copyrights and other intellectual property rights). No part or element of a Pfandbriefzentrale website has been designed so that it grants a licence or a right to use a markbrand, logo or image. The elements may be freely used only for browsing purposes and for personal use. The downloading or copying of the website shall not constitute any transfer of rights to use the content of the Pfandbriefzentrale website or the software. Any full or partial reproduction, modification, linking, usage, transfer or copying in full or in part is prohibited without Pfandbriefzentrale's prior written consent.

Investment information/no offer

The information published on the Pfandbriefzentrale website shall not constitute a solicitation, an offer or a recommendation with respect to the purchase or sale of investment products, other transactions, or to conclude any legal business whatsoever. The information published on the Pfandbriefzentrale website shall not represent an advertisement for official listing on a stock exchange, in particular the SIX Swiss Exchange, or an offering circular pursuant to Art. 652 a and/or Art. 1156 of the Swiss Code of Obligations (OR).

No warranty

Pfandbriefzentrale does not assume any responsibility or provide any guarantee that the functionality of the Pfandbriefzentrale website will be uninterrupted or error-free, that defects will be corrected or that the Pfandbriefzentrale website or the relevant servers are free from viruses or other harmful components.

Exclusion of warranty and liability

The opinions and assessments expressed on the Pfandbriefzentrale website reflect the opinion of Pfandbriefzentrale at the time of publication and do not constitute a general or specific legal, tax or other recommendation. Pfandbriefzentrale makes no warranty for the information published on the Pfandbriefzentrale website. Pfandbriefzentrale reserves the right to amend or delete without notice, at any time, the information on the Pfandbriefzentrale website.

The information on the Pfandbriefzentrale website is provided "as seen" and "as available". Pfandbriefzentrale does not provide any guarantee that access to the Pfandbriefzentrale website will be uninterrupted or error-free, that defects will be corrected or that viruses or other harmful components will not be transferred in connection with the use of the Pfandbriefzentrale website.

Insofar as legally permissible, Pfandbriefzentrale excludes any liability for damages or consequential damages arising from use of or access to information on the Pfandbriefzentrale website and/or from links to third-party websites (and/or from the inability to use or access those websites). This exclusion of liability shall also apply to damages or consequential damages that can be ascribed to third-party manipulation of the Pfandbriefzentrale website. Pfandbriefzentrale also rejects any liability for third-party manipulation of its IT system.

Information about the use of tracking technologies (cookies) and data protection

When you access the Pfandbriefzentrale website, the web server automatically collects details about your visit (e.g. your IP address, the website that linked you to the Pfandbriefzentrale website, and the date and duration of your visit). Tracking data is used to optimise the products and services on the Pfandbriefzentrale website and to provide information about users' surfing habits. It does not, however, enable the user to be identified. By using the Pfandbriefzentrale website, you are consenting to the use of cookies for the stated purposes. You can decide at any time that you do not want cookies to be used by deleting the cookies that have been put in place by Pfandbriefzentrale's website. To do this, access the settings in your Internet browser and activate the "Delete all cookies" option.

No data transmission security

When you access Pfandbriefzentrale's website, your data is transmitted via a public network that may be viewed by others. As a result, the data may be transmitted across borders, even if you and Pfandbriefzentrale are located in Switzerland. This entails the following risks: The data may be intercepted and read by third parties. Furthermore, the user acknowledges that the elements that are transmitted via an electronic medium, particularly e-mail, SMS, etc. to or from the Pfandbriefzentrale, generally are not encrypted. Pfandbriefzentrale also expressly draws the user's attention to the risk of viruses and the possibility of targeted attacks by hackers. We recommend that you use the latest browser versions and install antivirus software with automatic updates to protect against viruses

Links to other websites

Pfandbriefzentrale's website may incorporate third-party content or links to third-party websites. Links between Pfandbriefzentrale's website and third-party websites are provided for convenience only and Pfandbriefzentrale has absolutely no influence over these third-party websites. For this reason, Pfandbriefzentrale assumes no responsibility for the correctness, quality, completeness and legality of such websites' content or for any offers, products and services they may contain. Accessing third-party websites via such links is at the user's own risk.