Legal Notice
Legally binding is the document issued in German language. This English translation is only for the purpose of convenience.
1. User authorisation
If you access this website, Flossbach von Storch AG will grant you a revocable and non-transferable permission to use it. This applies only if you acknowledge these User Terms and Conditions and observe the restrictions they impose. You may not interfere with the operation of the site or seek to influence it in any way.
2. Important general information
The data on this website are for your information only. They do not constitute investment advice, or any advice on tax or legal matters. Nor do they contain any offer, recommendation or incitement to make investment decisions of any kind, e.g. to deal in financial instruments (including shares, pensions, investment funds and certificates) or to make any contract for financial services (e.g. Family Office agreements). In particular, this information should not be used as a substitute for suitable investment- and product-related advice. Unless otherwise stated, prices mentioned must not be considered binding.
With respect to information on investment funds, please note that the sole basis for purchase is the relevant sales prospectus, including the contract terms and conditions, the latest audited annual report and the half-yearly report, if one is available for a more recent date than the latest annual report. These sales documents may be obtained free of charge from the relevant investment fund managed company or custodian, from a paying agent, or from Flossbach von Storch AG; they can also be downloaded from this website. Flossbach von Storch AG will give no guarantee of the accuracy and completeness of such documents. The same applies to other investment products and the applicable sales documents. Please bear in mind that the value of a financial investment can go down as well as up. Investors must be willing and able to bear losses on their invested capital. Past investment results are not a reliable guide to future performance.
3. Sales restrictions
The dissemination of information on this website and the purchase of investments mentioned therein (e.g. investment funds) is prohibited, or permitted only subject to special permission from and registration with the relevant supervisory authorities, in certain countries and to the citizens of certain states (e.g. the USA); also to other persons and companies subject to the restrictions imposed by such states. This website is not intended for the use of such persons or companies, or to persons working on behalf of such persons, companies etc.
Moreover, some of the products and services described on this website are not available in all countries. They may be available only if Flossbach von Storch AG has the necessary licence to operate in the country concerned and/or the products and services in question are permitted to be sold there. Further details are available on request.
4. Important notice to Americans
The contents of this website, particularly the information on investment funds, are not intended to apply to sales in the USA or to Americans (i.e. persons who are US citizens, resident in the USA, or otherwise subject to US legislation, or companies subject to the laws governing US territory). Accordingly, the investment funds mentioned on this website, in particular, are not on offer in the USA or to Americans. Please note that it is also forbidden to transfer such investments to the USA or to Americans by any means whatsoever.
5. Forecasts
This website may contain forecasts. Although such forecasts may represent the views and future expectations of Flossbach von Storch AG, actual developments and results may differ substantially from such expectations. Flossbach von Storch AG is under no obligation, and will accept no obligation, to realise its forecasts or to change them, on the basis of either new information or future events, or for any other reason.
6. Information/Figures
Flossbach von Storch AG regularly checks and updates the information on this website. Despite all our care, however, the figures underlying the information may change in the meantime. We therefore accept no liability and offer no guarantee for the up-to-datedness, correctness or completeness of the information, excepting liability for gross negligence or deliberate misconduct. Flossbach von Storch AG will accept no liability for damage of any kind arising from the use of content and information on this website.
Nor will Flossbach von Storch AG give any assurance that any function or content on this website, or the site itself, is error-free and free from viruses or other damaging components, or that errors will be corrected.
7. Links to other web pages
This website may contain links to other web pages. When first making a link, Flossbach von Storch AG will have checked the linked page for illicit content and found none at that time. However, Flossbach von Storch AG has no influence over the current and future design or content of such pages and will accept no liability for such content or design. You use any of these web pages at your own risk. If you find that we have linked to pages with illegal or dubious content (e.g. racial hatred, pornography, fraud, deception), please let us know, as any such linkage is of course unintentional. Flossbach von Storch AG will then remove the offending link(s) as soon as possible.
8. Copyright and trademark rights
All rights, titles and claims (including copyright, brands, patents and other intellectual property or other rights) in, for and from all information and content (including all texts, figures, graphics and logos) on this website are fully subject to current regulations and to the property rights of the current owners. Use of this website does not confer any rights in the content. Copyright in published content created by Flossbach von Storch AG remains exclusively with Flossbach von Storch AG. No such content, including graphics, sound files, video clips and text, may be duplicated or used, either wholly or in part, in any other electronic or print publication or in any other form without the written permission of Flossbach von Storch AG. If permission is given its scope must not be exceeded and attention must be drawn to the origin of the duplicated material and to the rights of Flossbach von Storch AG.
9. Data protection
We give high priority to the protection of any personal data that is captured, processed or used in connection with your visits to this website. Your data will be protected in accordance with German legal requirements. All access to the website and all retrieval of files from the website will be logged. This will be done for internal system-related and statistical purposes only. The following will be logged: name of downloaded file, date and time of retrieval, quantity of transferred data, report of successful retrieval, web browser and requesting domain, and IP addresses of requesting computers.
Other personal data will be captured only if you disclose them voluntarily either in response to a question or on registration. Flossbach von Storch AG will, so far as technological and organisational resources allow, make every effort to store your personal data in a form that is inaccessible to third parties.
10. E-mailing
The internet is publicly accessible, which means that e-mails sent via the internet are neither confidential nor secure: they may be seen, captured or modified by third parties, or lost. E-mails may cross borders, even if both sender and receiver are in the same country. You should therefore refrain from sending personal or confidential information, particularly account information, by e-mail.
Unless there is an express agreement to the contrary, Flossbach von Storch AG will not accept orders or instructions sent by e-mail or other electronic messaging systems.
Flossbach von Storch AG is not liable either to you or to other persons for damage arising from messages sent by ordinary e-mail or any other electronic messaging system.
When sending confidential information, therefore, you are advised to use postal services.
11. Limits of liability
You use this website at your own risk. You are solely responsible for the consequences of such use and of any downloading of its content.
Flossbach von Storch AG will accept no liability for any damage arising from information published on the website, or for failure to publish such information. This applies in particular to damage arising from investment decisions. This exclusion of liability also applies to direct or indirect compensation claims, claims in tort, atypical claims and claims for consequential loss.
This exclusion of liability does not apply where it is prohibited by applicable law, or to gross negligence or intentional misconduct on the part of Flossbach von Storch AG.
12. Sundry stipulations
12.1 Applicable law
Unless otherwise stipulated by contract or in the event of a conflict of laws, these User Terms and Conditions are governed by German law.
12.2 Scope
These User Terms and Conditions apply between users of the website and Flossbach von Storch AG, and to their respective successors in title, assignees and agents. Insofar as any rights can be derived from these User Terms and Conditions, Flossbach von Storch AG may assign such rights to third parties.
12.3 Availability of the website
Flossbach von Storch AG reserves the right at any time to modify, suspend or completely cease the operation of this website, including any services, information, properties or functionalities that may be accessible through permitted use of the site. Flossbach von Storch AG also reserves the right to restrict the use of any particular property, functionality or services and to restrict access to all or part of the website without notice.
12.4 Transferred operations
Flossbach von Storch AG reserves the right at any time to entrust functions relating to the operation of the website to a third party.
12.5 Amendments to the User Terms and Conditions
Flossbach von Storch AG reserves the right to amend or supplement these User Terms and Conditions at any time. You should read them every time you visit the site to familiarise yourself with any alterations.
12.6 Contractual terms and conditions
Should the terms of any contractual arrangement you may make with Flossbach von Storch AG diverge from these User Terms and Conditions, the contractual terms shall take precedence.
12.7 Voidance clause
Should any stipulation or part stipulation in these User Terms and Conditions be unlawful, invalid or unenforceable, this shall not affect the lawfulness, validity or enforceability of the other User Terms and Conditions.