Terms of Use

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Novator (Switzerland) AG

Ibelweg 18a, 6300 Zug, Switzerland

jan@novator.ch

CHE-238.025.587

TERMS OF USE

General

This is a website of Novator (Switzerland) AG (hereinafter “Novator”). By using this website, you accept our terms of use.

Where access to any part of this website is restricted and requires possession of a valid password, no other person should attempt to gain access to such part of the website.

An application for shares in any of the investment funds referred to on this website should only be made having read fully the relevant prospectus. It is your responsibility to use such prospectus and by making an application you will be deemed to represent that you have read such prospectus and agree to be bound by its contents.

No Advice and No Binding Offer

Nothing contained in this website constitutes investment, legal, tax or other advice, nor is it to be relied upon when making investment or other decisions. It is not intended to serve as the basis for making investment or other financial decisions, nor does it constitute a binding offer. The content on this website is provided for information purposes only and you are solely responsible for making your own investment decisions based on your individual circumstances. Should you have any queries about the investment funds referred to on this website, you should contact your financial adviser.

Risk Factors

Past performance may not be repeated and should not be seen as a guide to future performance. The value of investments and the income from them may go down as well as up

and investors may not get back the amount originally invested. Because of this, you are not certain to make a profit on your investments and you may lose money.

Exchange rates may cause the value of overseas investments and the income arising from them to rise or fall.

The levels and bases of and reliefs from taxation may change. Any tax reliefs referred to are those currently available and their value depends on the circumstances of the individual investor. Investors should consult their own tax adviser in order to understand any applicable tax consequences.

Copyright, Trademarks and Other Rights

Unless otherwise stated, all rights, titles and interests to all content (copyrights, trademarks, database rights, patents and all similar rights) used or published on this website are owned by Novator, its associated companies, their licensors or relevant third-party content providers. Any use of such content without the prior express consent of Novator is prohibited. The automated, complete or partial retrieval or display of this website’s contents, in particular through technical aids (such as web crawler/spider programs, meta-search engines, framing, embedding), is also prohibited.

No Liability

The information contained on this website (including any expression of opinion or forecast) has been obtained from, or is based on, sources believed by Novator and its associated companies to be reliable. However, to the extent permitted by law, Novator, its associated companies or any other person makes no representation, warranty or undertaking, express or implied as to the reliability, accuracy or completeness of the information contained on this website and no liability is accepted by such persons for the reliability, accuracy or completeness of such information. Even if the information was current on the day it was published, it may no longer be true or complete when viewed by you. Such information is provided without obligation on the part of Novator and its associated companies and on the understanding that any person who acts upon it or changes his investment position in reliance on it does so entirely at his own risk.

To the extent permitted by law, in no event will Novator or any of its associated companies or any of their directors or other employees be liable to any person for any direct or indirect damages of any kind arising out of any use of this website or any other hyper-linked website or in reliance on the information and opinions contained in it from time to time, including without limitation, any loss of profit, business interruption, loss of programs or data on your equipment or otherwise.

You should be aware that the Internet is not a completely reliable transmission medium. To the extent permitted by law, neither Novator nor any of its associated companies accepts any liability for any data transmission errors such as data loss or damage or alteration of any kind, including, but not limited to any direct or indirect damage, arising out of the use of the products or services referred to herein. In addition, neither Novator nor any of its associated companies accept any responsibility for the security or confidentiality of information transmitted across the internet to or from Novator or any of its associated companies and any such transmission of information is entirely at your own risk.

Material Interests

Novator, its associated companies and its and their members and/or directors, officers and/or employees may have holdings in the investment funds referred to on this website and may otherwise be interested in transactions that you effect in those funds.

Linked Websites

This website may be linked to third party websites or contain information provided by third parties. Neither Novator nor any of its associated companies make any representation as to the accuracy or completeness of such websites or information, have not and will not review or update such websites or information, and caution browsers that any use made of such websites or information is at their own risk. Neither Novator nor any of its associated companies accept any liability arising out of the information contained on any linked website or information on this website provided by a third party and the use of such websites and information is at your own risk.

Right of Amendment

Novator expressly reserves the right to amend, supplement, delete or temporarily or definitively cease publication of parts of the website or the entire website without prior notice.

Governing Law

You agree that your use of this website and any dispute arising in relation to this website is subject to Swiss law and you submit to the jurisdiction of the courts in Zug in connection with any such dispute.