Disclaimer

1. Cookies

Our website uses cookies; by using our website or agreeing to our terms of service, you consent to our use of cookies in accordance with the terms of our privacy policy.

2. Users outside Switzerland

We do not warrant that our website complies with the applicable laws or regulations of any jurisdiction outside Switzerland.

If you are resident or situated outside Switzerland, you must not access or use our website unless you are lawfully able to do so.

Subject to Section 6.1, we do not accept any liability for any loss or damage resulting from, or related to, the availability of our website or any of our website content to persons resident or situated outside Switzerland.

3. Third party information and relationships

In respect of information provided by others, we act as a mere conduit for that information and we do not select, monitor, edit, modify, review, evaluate or otherwise oversee that information or the publication of that information on our website.

Subject to Section 6.1, we will not be liable to you in respect of any damage, expense or other loss you may suffer arising out of information provided by others or any reliance you may place upon such information.

Any arrangements between you and any third party encountered through our website are at your sole risk.

4. Investments and investment decisions

Nothing on this website constitutes or is intended to constitute:

• a financial promotion, an advertisement for any particular investment or investment business, or an invitation or inducement to engage in investment activity;
• investment advice, including advice on the merits of buying, selling, subscribing for, underwriting or exercising rights in relation to a particular security or investment;
• the making of an arrangement for another person to buy, sell, subscribe for or underwrite a security or investment; or
• any financial service or activity regulated or controlled by or pursuant to any financial services law or any other applicable law.

You should take professional financial advice in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purpose of making an investment decision or otherwise.

We would like to draw your attention to the following investment warnings:

• the value of shares and investments and the income derived from them can go down as well as up;
• investors may not get back the amount they invested; and
• past performance is not necessarily a guide to future performance.

We are not regulated under any financial services law.

The information on our website is provided for information purposes only and is provided "as is" and on an "as available" basis.

Your use of the information on this website is entirely at your own risk and it is your sole responsibility to evaluate the accuracy, completeness and usefulness of the information.

5. Limited warranties

We do not warrant or represent:

• the completeness or accuracy of the information published on our website;
• that the material on the website is up to date; or
• that the website or any service on the website will remain available.

We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent that our terms of service expressly provide otherwise, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.

To the maximum extent permitted by applicable law and subject to Section 6.1, we exclude all representations and warranties relating to the subject matter of our terms of service, our website and the use of our website.

6. Limitations and exclusions of liability

(6.1) Nothing in our terms of service will:

• limit any liabilities in any way that is not permitted under applicable law; or
• exclude any liabilities that may not be excluded under applicable law.

(6.2) The limitations and exclusions of liability set out in this Section 6 and elsewhere in these terms and conditions:

• are subject to Section 6.1; and
• govern all liabilities arising under these terms and conditions or relating to the subject matter of our terms of service, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

We will not be liable to you in respect of any loss or corruption of any data, database or software.

We will not be liable to you in respect of any special, indirect or consequential loss or damage.

Our aggregate liability to you in respect of any contract to provide services to you under our terms of service shall not exceed the total amount paid and payable to us under the contract.

7. Indemnity

You hereby indemnify us, and undertake to keep us indemnified, against any and all losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute) incurred or suffered by us and arising directly or indirectly out of:

• any breach by you of any provision of our terms of service; or
• your use of our website.

8. Third party websites

Our website includes hyperlinks to other websites owned and operated by third parties; such hyperlinks are not recommendations.

We have no control over third party websites and their contents, and subject to Section 6.1 we accept no responsibility for them or for any loss or damage that may arise from your use of them.

9. Narrative voice

The website usage of the first-person plural narrative voice has no relation with the Upbias' team size.