Legal notes

Please read the following important legal notes carefully before using the website of St.Galler Kantonalbank.

1. Consent

By accessing the website of St. Galler Kantonalbank AG and its links in the World Wide Web, you declare that you have understood and fully accept the following legal information and terms of use. If you have not understood or are not willing to accept one or several of the provisions of the terms of use we request that you leave the website of St. Galler Kantonalbank AG.

2. Property rights/Copyright

The entire content of the website of the St. Galler Kantonalbank AG is protected by copyright (all rights reserved) and is the property of St. Galler Kantonalbank AG.

The download or printing of elements of the website of St. Galler Kantonalbank AG does not transfer any rights, particularly rights with regard to the software, trademarks or website elements of St. Galler Kantonalbank AG. Copyright notices and trademarks may not be changed or removed.

The complete or partial reproduction of elements of the website of St. Galler Kantonalbank AG, regardless in which form (particularly electronically or in printed format), is only permitted with full citation of the sources. Any publication of reproduced elements of the website of St. Galler Kantonalbank AG is only permitted following prior written authorisation by St. Galler Kantonalbank AG and with full citation of the sources.

3. Limited access

The website of St.Galler Kantonalbank AG is intended solely for persons that are resident in or have their registered office in Switzerland. Persons subject to a jurisdiction that prohibits access to the website of St.Galler Kantonalbank AG for whatever reason (for example place of residence or domicile, nationality) are not permitted to access. Furthermore, some services and products described on the website of St.Galler Kantonalbank AG are subject to restrictions on the basis of place of residence, domicile, nationality or client segment. Therefore services and products may not be permissible or suitable for all persons.

4. No offer/No advice

The contents provided on the website of St. Galler Kantonalbank AG are exclusively of an informational nature. They do not constitute an invitation nor an offer or recommendation to purchase or sell investments or carry out any other Transactions.
The website of St. Galler Kantonalbank AG does not provide investment advice or any other form of advice. Information contained on the website of St. Galler Kantonalbank AG does not constitute decision-making guidance in legal, taxation or other matters requiring advice. We therefore recommend that you obtain advice from a qualified professional when making such decisions.

5. No instructions

St. Galler Kantonalbank AG herewith expressly states that St. Galler Kantonalbank AG is under no obligation to receive instructions for commercial transactions such as payment orders, stock exchange orders, account opening or closing, changes of address etc. or any other transactions which are transmitted to St. Galler Kantonalbank AG via the website of St. Galler Kantonalbank AG. This is subject to any special agreements between you and St. Galler Kantonalbank AG.

6. No guarantee

St. Galler Kantonalbank AG exercises all reasonable care to ensure the correctness and accuracy of the information presented. However, St. Galler Kantonalbank AG does not provide any guarantee (whether express or tacit) that the information and opinions published on the website of St. Galler Kantonalbank AG is correct, accurate, complete, true and current. St. Galler Kantonalbank AG is, in particular, under no obligation to update outdated information or opinions, to remove such information or opinions from the website of St. Galler Kantonalbank AG or to label such information or opinions accordingly. The information or opinions contained on the website of St. Galler Kantonalbank AG may be changed at any time without notice.

St. Galler Kantonalbank AG also does not accept responsibility and provides no guarantee that the functions of the website of St. Galler Kantonalbank AG will function without errors or interruption, that malfunctions will be rectified or that this website or the respective server is free from harmful components (particularly viruses).

7. Limitations of liability

To the legally permissible extent, St. Galler Kantonalbank AG is not liable in any case, including, without restriction, cases of negligence, for loss or damage of any kind; this includes (without restriction) direct or specific indirect consequential damage which may arise from or in connection with the access, use, service or request of the website of St. Galler Kantonalbank AG or the links to other websites, even if St. Galler Kantonalbank AG has been made aware of the possibility of such damage.

8. Links to other websites

If you activate particular links on the website of St. Galler Kantonalbank AG this may mean that you leave the website of St. Galler Kantonalbank AG. St. Galler Kantonalbank AG has not checked the websites linked with the website of St. Galler Kantonalbank AG and does not accept any responsibility for their contents and the products, services or other offers provided on such websites.

9. Collective investment schemes

The collective investment schemes of St. Galler Kantonalbank AG are currently permitted in a number of countries. Persons domiciled in a country in which, based on the respective local laws, the publication and/or the access of information about St. Galler Kantonalbank AG funds is prohibited may not access the associated information.

10. Performance

The future performance of investments cannot be foreseen from the price trend shown on the website of St. Galler Kantonalbank AG, i.e. investment values may increase or decrease.

11. Taxes

Please consult your tax adviser about the taxation law provisions in the investor’s tax domicile with regard to holding and/or buying or selling shares, fund units and other investments and the associated effects on taxation.

12. Data protection

Information on data protection and the use of Google Analytics is available on the following page.

13. Amendments to terms of use

St. Galler Kantonalbank AG reserves the right to change these terms of use from time to time. We therefore ask that you read these terms of use every time you access the website of St. Galler Kantonalbank AG and check that you agree with the latest version. If you have not understood or are not willing to accept one or several of the provisions of the current terms of use, we request that you leave the website of St. Galler Kantonalbank AG.

14. Applicable law

Should the use of the website of St. Galler Kantonalbank AG establish legal relations between the user and St. Galler Kantonalbank AG, this relationship will be governed by Swiss law. The exclusive place of jurisdiction is St. Gallen.

Contact

St.Galler Kantonalbank Ltd.
St. Leonhardstrasse 25
9001 St. Gallen

T +41 (0)71 231 31 31 
E-Mail

BIC/Swift: KBSGCH22
Postal account: 90-219-8
Clearing-No.: 781