Legal Notice
Legal information and terms of use of the website
Terms of Use and Legal Notice
By accessing the web pages of SPIG, you declare that you have acknowledged and understood the Legal Notice and accept the below Terms of Use. This website (“SPIG website”) is operated by Swiss Pension & Investment Group AG, a company headquartered in Switzerland. The term SPIG website refers to all domains registered in the name of or on behalf of SPIG. The SPIG website is for information purposes only.

SPIG takes the utmost care to ensure that all information is correct at the time of publishing. SPIG can neither explicitly nor implicitly provide an assurance or guarantee (including liability to third parties) as to the correctness, reliability and completeness of information. Information provided on the SPIG website can be modified at any time and without prior announcement. Therefore, information published on the SPIG website at one point in time must not be interpreted in such a way as to imply that circumstances have not changed since publication or since notification to the monitoring authorities, or that the information has remained current since its publication.

Individuals who access information on the SPIG website or use this information (for their own purposes or on behalf of a third party) consent to the below terms. This Legal Notice may be updated at any time. Hence, SPIG recommends that users re-read these Terms of Use and this Legal Notice on a regular basis to familiarise themselves with any possible changes.
Use of the SPIG website/ownership
The entire content of the SPIG website is protected by copyright (all rights reserved). Downloading or printing individual pages and/or sections of the SPIG website is permitted provided no copyright notices or other legally protected designations are removed.

If you download or otherwise reproduce software or other data from the SPIG website, SPIG retains all ownership rights. The (complete or partial) systematic reproduction, transfer (electronic or through other means), modification, linking or use of the SPIG website for public or commercial purposes is only permitted with the prior written consent of SPIG.
No offer/no invitation
The information and documents published on the SPIG website are provided by SPIG exclusively for personal use and information purposes. Information and documents may be modified at any time and without prior announcement. SPIG provides no guarantee (neither explicit nor implicit) that the information and documents published on the SPIG website are accurate, complete or up to date. In particular, SPIG is not obligated to remove information from the SPIG website that is no longer current or to expressly designate as such this information. Information on the SPIG website does not represent guidance on economic, legal, tax or other advisory matters, nor should investment or other decisions be made solely based on this information.  

The information published does not represent any recommendation, offer, invitation or advice to purchase/sell investment instruments, effect transactions or conclude any legal transaction. 
Non-binding nature
The information published originates from reliable sources which SPIG has carefully researched and compiled. Nevertheless, SPIG cannot provide any guarantee, either explicitly or implicitly, that the information provided is accurate, complete or up to date.

The information on these websites is updated on an ongoing basis and may be modified at any time without announcement. However, SPIG is not obligated to immediately remove data which has become inaccurate or out of date due to the passage of time immediately at any time.
Liability
Under no circumstances, including but not limited to negligence, is SPIG liable for loss or damage of any kind; this includes (without limitation) direct, special, indirect or consequential damage which may arise from or in connection with access to, use of, performance of or enquiries made via the SPIG website or in connection with links to other websites, even if SPIG has been made aware of the possibility of such damage.

Moreover, SPIG rejects any liability for unauthorised manipulation of the internet user’s EDP system. In the course of this, SPIG expressly refers to the risk of viruses, malware and spyware and the possibility of targeted hacking attacks.
Links
Some links on the SPIG website lead to third-party websites. These websites are not under the control of SPIG. Consequently, SPIG can be held responsible neither for the accuracy, completeness and legality nor for offers made on such websites.
Disclaimer and Terms of Use
This disclaimer and these Terms of Use represent the sole legal basis for the use of the SPIG website and replace all earlier contracts, agreements and declarations concerning the use of the SPIG website.
Applicable law/place of jurisdiction
The use of these websites is subject to Swiss law. The exclusive place of jurisdiction for all disputes arising out of or in connection with this website is Zug, Switzerland.
Severability clause
Should a provision of this document become invalid, this will not impact the validity of the other provisions.