These Terms of Use (the "Agreement") are applicable to the: (i)web pages, (ii) services, (iii) content, (iv) databases and (v) information (collectively referred to as the "Services") together with the agreements provided by PI Digital AG ("PI Digital") to which you may have access by using PI Digital’s website or any other agreed channel. The content and information included in these Services are provided by PI Digital and its third party suppliers (collectively, the "Information Providers"). These Services are made available by PI Digital subject to the terms and conditions stated below.

By using the Services, you are confirming your consent to be bound by the terms of this Agreement. If you do not agree, PI Digital is not willing to provide you with access to the Services and you should immediately discontinue your use of the Services. You agree that PI Digital may modify this Agreement at any time in its sole discretion and without prior notice to you. Such changes will be posted online and will be effective upon posting. You should review this Agreement periodically to ensure familiarity with its then-current terms and conditions. Your continued use of the Services shall constitute your acceptance of this Agreement and your continued use of the Services following any modification of this Agreement shall constitute your Acceptance of the Agreement, as amended. If you do not agree to the changes, you must notify PI Digital in writing or by telephone of your refusal and discontinue your use of the Services.

These Services are intended for your personal, non-commercial use.

By using the above-mentioned Services and the software provided by PI Digital, you acknowledge and agree that:

The products and services presented on this website are authorized for sale in Switzerland. They are not intended for any person/s who, based on their nationality, place of business, domicile or for any other reasons, is/are subject to legal provisions which prohibit foreign financial services providers from engaging in business activities in these jurisdictions, or which prohibit or restrict legal entities or natural persons from accessing websites of foreign financial services providers.

Where PI Digital is not authorized by the supervisory authority of a certain country, PI Digital can as a general rule not promote financial services in that country.

In particular, PI Digital is not authorized by the supervisory authorities of the USA, Canada, Great Britain, Germany, Italy, and France. This website may however contain information, in particular about financial services and products offered by PI Digital, that may be considered by the supervisory authorities of the above-mentioned countries as a public offer of financial products or a canvassing targeting persons domiciled in the concerned countries. If you are domiciled in one of the above-mentioned countries, you confirm that you access this website on your own initiative and without any solicitation from PI Digital.

The website is the exclusive property of PI Digital. PI Digital’s proprietary rights shall not be altered in any way by any reproduction or use of the website.

The activation of certain links on the website may cause you to leave the PI Digital website. PI Digital does not review any of these linked websites and does not warrant or guarantee, either expressly or implicitly, the quality, pertinence, accuracy, completeness, update status, availability or legality of the content of these websites, nor shall it be in any way responsible for the products, services, information and other content offered via these linked websites. The same applies to websites offering links to PI Digital website.

Furthermore, prior written approval must always be obtained before a link from an external website to PI Digital’s website can be created.

Your attention is drawn to the fact that the data exchanged between yourself and PI Digital is transmitted via open, public networks (such as the Internet) that are not subject to any controls or reviews. The data transferred may travel beyond Switzerland’s borders, even if both yourself and PI Digital are located in Switzerland. In addition, even if the data transmitted is encrypted, it may not necessarily stay encrypted for the entire duration of the transmission, nor may it necessarily remain encrypted at your end: it is possible that data may be intercepted.

Furthermore, you hereby declare that you have taken note that the legislation applicable in your country may prohibit or restrict the importing, exporting or use of encryption logarithms. In no event shall PI Digital be responsible for any violations of measures governing the importing, exporting or use of encryption logarithms. You alone shall be responsible in the event of any such violation.

Lastly, your attention is drawn to the fact that information transmitted electronically, e.g. by e-mail or SMS, is in principle not encrypted and may be intercepted.

PI Digital may exercise full discretion in modifying or discontinuing any part or whole of the Services specified under points (i) to (v) subject to this Agreement at any time without cause or prior notice.

PI Digital and the Information Provider(s) expressly disclaim all warranties of any kind, express or implied, including without limitation any warranty of merchantability, fitness for a particular purpose or non-infringement.

Although the Services provided have been obtained from sources deemed to be reliable, the Services are provided “AS-IS”, and PI Digital and/or any third-party Information Provider(s) provide the Services without responsibility for accuracy and correctness. By using the Services you agree that errors and/or omissions contained in such information shall not be made the basis for any claim, demand or cause of action against PI Digital or any Information Provider(s).

Neither PI Digital, its directors, officers, employees, agents or shareholders, nor any of its third-party Information Providers, their directors, officers, employees, agents or shareholders shall be liable for any direct, indirect, incidental, special or consequential damages arising out of or relating to this Agreement or resulting from the use or the inability to use the Services, including but not limited to damages for loss of profits, use, data or other intangible damages, even if such party has been advised of the possibility of such damages.

In particular, it is expressly stated that in no event will PI Digital, its directors, officers, employees, agents or shareholders be liable for any loss or damages incurred as a result of errors, technical or otherwise, transmission failures, system overloads, usage problems, interruptions in Services (including but not limited to system maintenance services), any delay in the transmission of information, incompatibility between the website and your files and/or software (in particular your browser) and/or computer, malfunction, interference, the transmission of a virus onto your computer, unauthorized access (as a result of hacking or piracy activities, for example), the wilful blocking of telecommunications tools or networks (as a result of mail-bombing, denial of services attacks, for example) or any other failure or inadequacy on the part of telecommunication or network service providers.

You agree, at your own expense, to indemnify, defend and hold harmless PI Digital, its suppliers, agents, directors, officers, employees, representatives, successors, and assigns from and against any and all claims, damages, liabilities, costs, and expenses, including reasonable attorneys’ and experts’ fees, arising out of or in connection with the website, or any links on the website, including, but not limited to: (i) your use or someone using your computer’s use of the Services; (ii) a violation of the Agreement by you or anyone using your computer (or account, where applicable); (iii) a claim that any use of the website by you or someone using your computer infringes any intellectual property right of any third party, or any right of privacy or publicity, is libellous or defamatory, or otherwise results in injury or damage to any third party; (iv) any deletions, additions, insertions or alterations to, or any unauthorized use of the website by you or someone using your computer; (v) any misrepresentation or breach of representation or warranty made by you contained herein; or (vi) any breach of any covenant or agreement to be performed by you hereunder. You agree to pay any and all costs, damages, and expenses, including, but not limited to, reasonable attorneys’ fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action, or proceeding attributable to any such claim. PI Digital reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with PI Digital in asserting any available defence. You acknowledge and agree to pay PI Digital reasonable attorneys’ fees incurred in connection with any and all lawsuits brought against you by PI Digital under the Agreement and any other terms and conditions applicable to the access and use of the website, including without limitation, lawsuits arising from your failure to indemnify PI Digital pursuant to the Agreement.

By agreeing to the Terms of Use of the Services you acknowledge and agree that PI Digital, in the interest of security, reserves the right to record all telephone conversations, internet conversations including chat, and any meetings between you and PI Digital.

You furthermore agree that PI Digital reserves the right to monitor your use of the Services on the website and that the resultant information may be used by PI Digital for its internal business purposes.

Any claims arising from this Agreement will be governed by and construed in accordance with the Swiss laws and shall be subject to the exclusive jurisdiction of the Swiss Courts. PI Digital nevertheless reserves the right to initiate proceedings against you before the competent court at your domicile or any other competent authority.

In the event of one of the provisions of this Agreement being void, cancelled or rendered otherwise invalid, the validity of the remaining provisions of this Agreement shall not be affected or impaired. In all other instances, the Agreement as well as the use of the website are exclusively governed by and construed in accordance with Swiss law.

The section titles in the Agreement are used solely for the convenience of you and PI Digital and have no legal or contractual significance.