CONDITIONS OF USE
By using or accessing this website, you expressly acknowledge your assent to the following terms and conditions of usage without any limitation or qualification whatsoever. Accordingly you are urged to read and understand these terms and conditions carefully prior to using this website. As these terms and conditions may be amended or revised at any time and as deemed solely by MCIS ZURICH, you are hereby notified that you shall be bound by any such amendments, revisions or up-dates and you are therefore advised to periodically visit this page to review the applicable terms and conditions to which you are bound to.

NO OFFER
Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation, advise, recommendation, or any other service to acquire or dispose of any security, insurance, investment or to engage in any other security, insurance, investment or transaction to buy any security, insurance, investment or other products or services by MCIS ZURICH.

No security, insurance product, investment or other products or services is offered or will be sold by MCIS ZURICH or, if sold by MCIS ZURICH, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

DISCLAIMER/NO WARRANTIES
Whilst every care or reasonable precaution is taken in the preparation and contents of the information or materials in this website, the information or materials in this website is provided "AS IS" and without any warranties of any kind either expressed or implied and MCIS ZURICH and its subsidiaries, affiliates or agents (collectively referred to as "MCIS ZURICH") expressly disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Specifically, no warranty or representation is made regarding the use or the results of the use of the information or materials on this website in terms of their correctness or accuracy or reliability. Further, no warranty or representation is made regarding the security, freedom from computer viruses or other harmful components or non-infringement with respect to such information or materials.

MCIS ZURICH does not warrant or make representation that the various functions as contained in the information or material will be uninterrupted or error-free or that defects will be corrected.

As a result your are hereby duly given notice that the entire cost of any servicing, repair or correction shall be solely at your account and that MCIS ZURICH is not liable in any manner whatsoever to indemnify you or any other third party for any losses, damages, costs whatsoever or howsoever arising.

LINKS
The links from this Site to other websites are provided for your own information and convenience only, of which websites may be linked to other websites which are not maintained by MCIS ZURICH. Accordingly, MCIS ZURICH does not assume any responsibility or liability with respect to any of those websites (or any website linking into this Site) in any way whatsoever (including its content and operation). As a result the inclusion of any link to such websites does not constitute a referral, approval, endorsement, advertising, offer or solicitation with respect to such websites, its content or any products or services advertised or distributed through that website, by MCIS ZURICH.

Without the express written consent of MCIS ZURICH, no person, company and no website may make a link to this Site, whether to its homepage or to any internal page.

LIMITATION OF LIABILITY
Whilst every reasonable effort is made to include accurate and up to date information on this website, errors or omissions may sometimes occur. As a result, MCIS ZURICH makes no warranties or representations as to the accuracy of this website and under no circumstances, including, but not limited to, negligence or willful default, shall MCIS ZURICH or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages and costs whatsoever or howsoever arising that result from the use thereof, or the inability to use by any party the materials on this website or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure, even if MCIS ZURICH or an MCIS ZURICH authorized representative has been advised of the possibility of such damages, losses, expenses or costs.

MCIS ZURICH also assumes no responsibility, and shall not be liable for, any damages, costs to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

E-MAIL
E-mail messages sent to MCIS ZURICH over the Internet cannot be guaranteed to be completely secure. MCIS ZURICH is not responsible for any damages, losses, expenses or costs incurred by the user if they send a message to MCIS ZURICH, or if MCIS ZURICH sends a message to them, over the Internet.

USER CONDUCT
When accessing or making use of any part of this Site, you may not :

- Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without any limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law;·

- Post or transmit any information orsoftware which contains a virus, worm, Trojan horse or other harmful components in whatsoever nature; and

- Interfere with the functioning of this Site or restrict or inhibit any other user from using this Site.

CAUTION :
Any attempt by any person to damage this site or undermine it's operation may be a violation of criminal or civil laws. MCIS ZURICH reserves the right to seek damages from any such person to the full extent of the law.

RESTRICTIONS ON USE OF MATERIALS/DOWNLOADING
This website is owned and operated by MCIS ZURICH. Except as otherwise expressly permitted by MCIS ZURICH, no materials from this website or any website owned, operated, licensed or controlled by MCIS ZURICH may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way whatsoever. You may download material displayed on this website for your use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without MCIS ZURICH's written permission.
MCIS ZURICH neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

TRANSMISSIONS
Due to the nature of the Internet, transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. MCIS ZURICH is not liable for malfunctions in communications facilities that may affect the accuracy or timeliness of messages and transactions you send irregardless of whether the interruption, transmission blackout, delayed transmission and incorrect data transmission is caused by an internal MCIS ZURICH computer system management or personnel.

OWNERSHIP OF INFORMATION
Any information, other than personal data or information, you transmit to MCIS ZURICH via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as nonconfidential and nonproprietary and will become the property of MCIS ZURICH. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. MCIS ZURICH is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to MCIS ZURICH via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARKS AND COPYRIGHTS
All trademarks, services marks, trade names, logos, and icons are proprietary to MCIS ZURICH. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of MCIS ZURICH. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.
Images displayed on this website are either the property of, or used with permission by, MCIS ZURICH. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by MCIS ZURICH. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

SOFTWARE LICENSES
You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. MCIS ZURICH does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.

JURISDICTION
Unless otherwise expressly set forth herein, MCIS ZURICH makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws and regulations.