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Germany Important legal information

Please read the following important legal information (hereinafter “Important Legal Information”) carefully before visiting the website of Bank J. Safra Sarasin AG (hereinafter “the Bank”). By accessing the Bank’s website, you acknowledge that you have read, understood, and agree to the terms and conditions set out in the Important Legal Information. If you do not agree with or do not wish to accept the terms and conditions of the Important Legal Information, please leave the Bank’s website.

Local legal restrictions
You are prohibited from accessing the Bank’s website if you are a natural or legal person or specific type of investor for whom using or accessing the Bank’s website (due to your nationality or domicile/residence or owing to other reasons) contravenes the laws of your country. This applies in particular to residents and citizens of the United States of America (“USA”).
The information provided on the Bank’s website for clients who are resident or domiciled in Germany is directed exclusively at institutional clients who intend to invest solely as professional clients for commercial purposes. This group of clients is limited to lending and financial services institutions, asset management firms and insurance companies, provided that they have the necessary permits to pursue such business activities and are subject to supervision, as well as to medium-sized and large corporations as defined in § 267 para. 2 and para. 3 of the Deutsches Handelsgesetzbuch (German Commercial Code). By agreeing to this information, you declare that you meet these requirements.
If you are resident/domiciled in a country in which a subsidiary, branch or an affiliate company of the Bank (hereinafter “Group Company”) is domiciled and maintains its own website, then please visit the website of this Group Company (overview of companies) instead.
Not all of the financial instruments, products and services listed on this website are available in all countries or are suitable for all investors in all countries. Whether a specific investment instrument, product or service may be offered to you depends on the applicable legal and supervisory regulations of your country.

Insofar as information on investment funds is contained on/in this website, any product documents, are also available on request free of charge from J. Safra Sarasin (Deutschland) GmbH, Kirchnerstraße 6-8, 60311 Frankfurt am Main in English and German language.
To the extent that indicative investment options or portfolio structures are included, the following applies: The indicative investment options or portfolio structures presented in these documents and the underlying model calculations are based on the information and data provided to us in the context of the asset advisory discussion, and we have not checked them for accuracy or completeness. The indicative investment option/portfolio structure described here is thus intended as a guide and does not make any claim to comprehensive suitability but aims to inform you about the general possibilities that an investment entails. In order to provide you with a final investment recommendation that is tailored to your specific situation, we need further information, in particular on your investment goals, risk tolerance, experience and knowledge of financial services and products and your financial situation

Intellectual property, trademarks and copyrights
All of the content on the Bank’s website (including all of the materials contained therein) is protected by intellectual property rights, including, but not limited to trademarks, patents and copyrights (all rights reserved).
Safra (Logo), Sarasin (Logo), Responsibly yours, Sarasin Prime Blend, Sarasin Pure Oak, Sarasin Sustainable Investment, Sarasin Sustainability-Matrix®, Sarasin Sustainability-Matrix (Logo), SWIPO, SWIPOC, Sarasin Swiss IPO Index, Sarasin Non Traditional AG, Sarasin International Securities Limited and Sarasin Horizon are trademarks of the Bank or of the J. Safra Sarasin Group and are registered in various countries.
Using the Bank’s website does not grant you any rights to the content, the software, the registered trademarks or any other materials on the Bank’s website. All ownership rights remain with the Bank or third parties, as the case may be. Any reproduction (full or partial), transmission (electronic or by other means), linking, alteration or use of the Bank’s website or of a registered trademark of the Bank for a public or commercial purpose is not permitted without the prior written consent of the Bank.

No offer
The information and materials published on this website are provided solely for information purposes and personal use as they do not take into account the personal situation of individual investors. They do not constitute an advertisement, recommendation, incentive, solicitation, invitation or an offer to buy, hold or sell any investment instruments or other (financial) products mentioned on this website, nor are they a solicitation to use other services or to effect other transactions, or to enter into legal transactions. The information and materials provided by the Bank on the website, including this Important Legal Information, may be changed by the Bank at any time without prior notification.

No advice
The information and views provided on the website are not to be construed as recommendations or advice, nor as any type of tool to be used for taking investment decisions or any other decisions. The Bank recommends that you seek the advice of a qualified expert before taking an investment decision. The information that is provided on the Bank’s websites or which can be accessed via the Bank’s websites does not establish a contractual relationship of any sort between the user of the website and the Bank or third parties that provide this type of information.

No guarantee
The Bank takes the greatest possible care in compiling the contents of this website. However, neither the Bank nor its affiliated companies provide any guarantee as to the accuracy, timeliness, reliability or completeness of the information published on this website (including any content provided by third parties). In particular, the Bank is not under any obligation to update the content of this website or to remove outdated content from it. All the information and data are provided "as is" and "as available" without any representations or warranties of any kind.
The Bank gives no guarantee that the functions on this website will not be uninterrupted or that they are free from errors or disturbances, that errors will be rectified or that the website or the relevant server is free from malware and other harmful elements and programs, such as computer viruses, worms or trojans.

Risk disclosure / Performance
Past performance should not be taken as a guarantee of future performance. Investments in foreign currencies are directly and indirectly affected by exchange rate fluctuations. Investments in emerging markets entail certain special risks, including, but not limited to a certain degree of political instability, largely unpredictable (financial) market performance and economic growth, a financial market that is still developing as well as a weak economy. There is no recognised market for certain financial instruments. For this reason, it may be difficult to trade these financial instruments or to find information about their value or about the associated risks. The value of the invested funds as well as the income derived from them (e.g. distributions from investment funds) is subject to fluctuations and may be completely lost. The Bank can give no assurances with regard to the provision of products and services or the performance of financial instruments mentioned on this website. Investors must be prepared and capable of sustaining considerable losses and even the complete loss of all the funds they have invested.

Exclusion of liability
Where legally permissible, the Bank and its affiliated companies or contractual partners or third parties assume no liability (including, but not limited to negligence and liability in respect of third parties) for any losses from direct, indirect or consequential losses or damages of any kind associated with the use of this website and its content or with the risks of financial markets.

Links to websites
The links on the Bank’s website are provided without guarantee and solely for your convenience and information. The use of one of these links may cause you to leave the Bank’s website. The Bank has not checked and does not have any control over the websites of third parties linked to this website and assumes no responsibility whatsoever for their legality or their content.

Use of e-mail
The use of e-mail is voluntary. The sending of e-mails via public networks is unprotected, and they may become lost or be intercepted, read and altered by third parties. In particular, e-mails may leave the country unchecked – even when both sender and recipient are in Switzerland. In addition to the content, the sender and recipient of the e-mail can be seen by third parties, who can therefore surmise that a relationship with the Bank exists. This also applies for e-mails which are used in communication with the Bank (e.g. use of the website, e-services or social media).
The Bank is entitled to reply by e-mail to e-mails received from you. However, subject to separate agreements, messages and orders (including payment orders) by e-mail are not binding for the Bank for security reasons. The Bank assumes no liability for losses incurred from the use of e-mail or due to orders placed by e-mail not being executed or not being executed on time.
For technical reasons, the delivery of e-mails cannot be guaranteed by the Bank. The Bank assumes no liability for losses due to late delivery or non-delivery of e-mails.

Data processing
The Bank respects your privacy and processes your personal data, insofar as personal data is to be recorded at the time of a visit to this website, in accordance with the prevailing provisions of the law.
When you visit the Bank’s website, no personal data (e.g. name, address, telephone number, etc.) is recorded without your consent. Only personal data provided to the Bank by you may be stored. You are only requested to enter your personal data if you wish to use the website’s interactive services. The Bank would like to point out that it can use and process sensitive personal data or personality profiles that you provide on applications, forms or other questionnaires (e.g. customer profiles, investment profiles) or for agreements that you conclude with the Bank, or which is collected when an account is opened or managed by the Bank. The Bank records and processes personal data for the following purposes in particular: (i) compliance with legal requirements, (ii) maintaining customer relations, particularly with regard to providing and marketing services and investments in financial products and client assets, and (iii) improving the quality of our products and services. Submitting personal data to the J. Safra Sarasin Group, to third-party service providers when outsourcing services, or to courts and authorities in Switzerland and abroad can occur either with or without your consent, provided that the Bank is authorised or required to do so based on legal or supervisory regulations.
Personal data is used by the Bank, its units in Switzerland and abroad, including, but not limited to subsidiaries and investment companies (hereinafter “the J. Safra Sarasin Group”) only for the purpose for which it was collected at the time and for marketing purposes. Personal data is only submitted to third parties if the Bank is required to do so by legal or supervisory regulations or if this personal data is necessary in order for the third party to provide the services for which the personal data was collected. Personal data is saved using the appropriate security precautions.
Furthermore, in connection with your use of its website, the Bank collects and analyses anonymised data, such as the number of times you visit the site, the pages you visited, duration of your sessions, your IP address, etc. in order to gauge the website’s usefulness. However, the data that are gathered in this manner are used solely for statistical purposes and are not passed on to third parties outside of the J. Safra Sarasin Group, unless it is necessary to do so in order to comply with legal and supervisory regulations.
Moreover, the Bank would like to point out that when you access the website, cookies (strings of information that are sent by a website and stored by your browser) are temporarily stored on your computer or can be accessed via your computer. This enables the Bank to identify which computer is accessing its website and thus to provide navigation shortcuts for your benefit. Only a minimum of information is recorded in the cookies used by the Bank. By changing the settings in your internet browser, you can prevent cookies from being stored on your computer. Depending on which browser settings you have selected, blocked cookies may reduce the functionality of the website or prevent you from accessing it. The Bank cannot be held liable for any such limitations to the website.

Potential conflicts of interest
The J. Safra Sarasin Group and/or its board members, managers or staff may have previously invested in, may be currently investing in or may in the future invest in financial products about which this website contains information. Furthermore, it is possible that the J. Safra Sarasin Group and/or its board members, managers or staff have rendered, are rendering or will render in the future services that are described on the Bank’s website for the issuers of such financial products, for example in investment banking, corporate finance or market making, or they may have served, may be serving or may serve in the future in their management as board members or as managers.
Other pages or sections of the Bank’s website may contain additional provisions, requirements and Important legal information (hereinafter “Additional Provisions”). In the event of a discrepancy between this Important legal information and the Additional Provisions, the latter shall prevail for the relevant page or relevant sections of the Bank’s website.

Sourcing of investment funds
Investors resident or domiciled in Germany may write to the addresses below to obtain free information about the legal bases for the investment funds which are listed in the following section on financial products:
Sarasin Investmentfonds, SICAV and Sarasin Multi Label SICAV, Luxembourg:

J. Safra Sarasin (Deutschland) GmbH
Ottostraße 3 - 5 
Haus Nr. 3
D-80333 Munich
(information or sales office)

Sarasin-FairInvest, Germany:
Universal-Investment-Gesellschaft GmbH
Am Hauptbahnhof 18
D-60329 Frankfurt am Main
(investment company)

Landesbank Baden-Württemberg
Am Hauptbahnhof 2
D-70173 Stuttgart
(custodian bank)

J. Safra Sarasin (Deutschland) GmbH
Kirchnerstraße 6-8
D-60311 Frankfurt
(information or sales office)

Applicable law / Place of jurisdiction
Access to and use of the Bank’s website as well as this Important Legal Information are subject to Swiss law. The place of jurisdiction shall be Basel.