TERMS AND CONDITIONS OF USE

The information included on the following webpages is exclusively addressed to persons who are residents of the Republic of Finland and must not be distributed to persons or accessed by persons outside this country.

The user agrees to discontinue use of these webpages if, now or in the future, he or she ceases to be located in the above mentioned country.

In relation to the offering of the products described on this website, see also paragraph “Selling restrictions” below.

These webpages serve solely to give the user access to information that Bank Vontobel Europe AG, Frankfurt branch (referred to collectively with affiliates as "Vontobel") has decided to make publicly available, and do not constitute and are not to be construed as, a solicitation or offer by Vontobel, to purchase, subscribe for or sell securities. Investors are not able to purchase, subscribe or sell the securities described on these webpages directly from Vontobel, but through their own bank/intermediary only.

The use of these webpages shall not create a contractual relationship with Vontobel extending beyond these Terms and Conditions of Use. In particular, the information presented on these webpages shall not be deemed to be an offer by Vontobel to enter into an advisory agreement or any other contract to provide information either on a gratuitous or non-gratuitous basis. In light of this, the user's visit to these webpages or retrieval of information contained therein shall not bring about a contract between Vontobel and the user to provide information.

Neither the information on these webpages nor information which users receive through the hotline shall constitute any investment, tax or other advisory service. Such information does not take into account the user's specific situation as regards, inter alia, his or her knowledge of the relevant securities, investment targets and risk appetite, financial situation as well as his or her tax and accounting position. Such information does not replace the advice by your bank/intermediary or any other tax or financial adviser, which is essential in each individual case prior to taking any purchasing, subscribing or selling decision.

Users should direct any objections or complaints relating to these webpages in writing to the following address:

Bank Vontobel Europe AG
Niederlassung Frankfurt am Main
Bockenheimer Landstraße 24
60323 Frankfurt am Main
Germany

Information provided on the webpages does not constitute financial analysis and also does not satisfy the statutory requirements for ensuring the unbiased nature of financial analysis; nor is such information subject to a ban on trading prior to the publication of financial analyses.

The purchase/subscription of securities is associated with financial risks. Given unfavourable conditions, such risks may materialise and lead to a total loss of the invested capital. Potential investors should carefully read the base prospectus, the relevant final terms and any supplements to the base prospectus in order to understand the risks associated with an investment in the securities. Potential investors should consult their own bank/intermediary or any other tax or financial adviser prior to taking any purchasing, subscribing or selling decision.

The price information contained in these webpages originates either from third-party sources such as financial information service providers or has been calculated by Vontobel itself and should not be relied upon to predict future values or prices.

In some cases, current prices of securities or underlyings may be shown with a time delay. Users can find additional price information, in particular information pertaining to the past price performance of the underlying, at the place referred to in the prospectus for the relevant security. Historical price performance is not a reliable indicator of future price performance of the underlying or the securities. It should be noted that Vontobel provides no warranty for the accuracy of the price information and that price information shall be subject to correction at any time (see also with respect to the exclusion of warranty in paragraph “No warranty for content” below). Potential investors should consult their own bank/intermediary or any other tax or financial adviser prior to taking any purchasing, subscribing or selling decision.

On these webpages, all information concerning returns, such as bonus or maximum returns, refers to gross returns which do not factor in costs that will be incurred and, unless expressly indicated otherwise, in taxes to be paid by the relevant investor. Investors will, in fact, incur costs and taxes which diminish returns. These include, for example, securities account costs or transaction costs. The extent of the impact of any such costs and tax on the net return depends on the amount of the investment and the costs and tax actually incurred by the relevant investor. Potential investors should consult their own bank/intermediary and/or any other tax or financial adviser prior to taking any purchasing, subscribing or selling decision.

If required by applicable laws or if Vontobel decides to make available without the obligation to do so, Key Information Documents (KIDs) can be retrieved on these webpages on the relevant product detail site under the "Documents" section.

To the extent the user retrieves a KID, Vontobel shall be entitled – but not required – to store user data (in particular the IP address, provider and the referrer URL), the time of access and the contents of the KID transmitted to the user. Such storage serves to satisfy regulatory requirements, and the stored data may also be used in the context of legal disputes between the user or other investors and Vontobel. The data privacy policy also refers to this data.

Prospectus

Users considering the purchase/subscription of securities described on these webpages should carefully read the base prospectus, which, in addition to the final terms and any supplements to the base prospectus, is published on these webpages (see the "Prospectuses" heading and the relevant product detail site) and which is obtainable free of charge from the issuer, Vontobel Financial Products GmbH, Bockenheimer Landstraße 24, 60323 Frankfurt am Main, Germany.

It should be noted that, from time to time, Vontobel purchases or sells securities, commodities, futures and options for hedging and other purposes, or holds positions (long or short) in these which are identical to or connected with such securities. This may possibly have an adverse impact on the value of the securities. In addition, Vontobel may be the calculation agent or sponsor of underlyings and, as such, may make determinations which adversely affect the value of the securities.

Vontobel may pay commissions to distribution partners in connection with the distribution of any securities. Such commission payments will reduce the return the investor is able to achieve. If commissions are paid, you will find information pertaining to the amount of these commission payments in the relevant final terms.

The products described on these webpages are not permitted to be offered for sale in all countries and are in each case reserved for the group of persons who are authorised to purchase the products. The selling restrictions which apply to specific products are set out in the relevant prospectuses and should be read carefully by the user.

In particular, the following selling restrictions apply:

Legal entities domiciled in the U.S.

The information contained in these webpages is not intended for the U.S. U.S. citizens (within the meaning of Regulation S of the U.S. Securities Act of 1933) and legal entities which are domiciled in the U.S. are prohibited from accessing these webpages. Information provided on these webpages is not permitted to be disseminated or disclosed in the U.S. or other countries in which doing so would breach their applicable law. The securities listed here are not and will not be registered pursuant to the U.S. Securities Act of 1933, and no authorisation was obtained to trade these securities pursuant to the U.S. Commodities Exchange Act of 1936. The securities are not permitted to be sold or offered in the U.S., to U.S. citizens or to legal entities domiciled in the U.S.

The products described on these webpages will be offered or sold to legal entities in other jurisdictions only if this is permissible under the relevant applicable legal provisions.

The provision of or the content on these webpages or other services shall not give rise to any obligations of Vontobel vis-à-vis the users.

Although these webpages are based on information which Vontobel deems reliable and Vontobel strives to keep this information up-to-date, Vontobel provides no warranty whatsoever for the information contained on these webpages (announcements regarding the terms and conditions of the securities shall remain unaffected thereby). In particular, Vontobel provides no warranty as to (a) the quality, accuracy, correctness, availability and completeness of the data and other information on these webpages, (b) the timely and accurate notification of users that defined limits and thresholds have been reached, (c) continuing to provide or update such information in the future, (d) the suitability or appropriateness of securities for investors, (e) the accounting and tax consequences of investing in securities and (f) the future price performance of securities. Investors should consult their own bank/intermediary and/or any other tax or financial adviser prior to taking any purchasing, subscribing or selling decision.

The values and prices presented on these webpages do not factor in the size of transactions, i.e., a specific transaction's size may result in deviating values or prices. In addition, these may not correspond to the value or price which is obtainable on the relevant market at the time a user would like to purchase or sell specific securities or currency.

These webpages may contain links to websites which are financed and maintained by third parties. Vontobel provides users with such links solely to assist them in finding other sites. Vontobel has not examined the information, software or products on such sites with respect to content or proper functioning. As such, Vontobel makes no representations whatsoever about the content of such sites. In addition, Vontobel assumes no liability for any technical defects or viruses contained on such sites. The fact that Vontobel provides a link does not constitute a recommendation or confirmation by Vontobel as to the content on such sites, their owners or the persons responsible for them.

The content and layout of the webpages, including the underlying software, are copyrighted and otherwise protected. The reproduction, transmission, modification, linking or use of the webpages (in full or in part) for public or commercial uses without the written consent of Vontobel shall be prohibited. Downloads and copies of these webpages are for private, non-commercial use only; they may not be disclosed to third parties.

Further information on data protection, as updated from time to time, can be found under the following link. The information published under the link takes precedence.
https://www.vontobel.com/privacypolicy

We reserve the right to amend these Terms and Conditions without giving prior notification. We therefore advise you to check this page on a regular basis.

These Terms and Conditions was last updated on 17 May 2018.

These Terms and Conditions of Use shall be governed by the laws of the Federal Republic of Germany.

In respect of any legal disputes arising in connection with these Terms and Conditions, all private users who are not residents of one of the countries in which Council Regulation (EC) No 1215/2012 of 12 December 2012 on jurisdiction and the recognition and enforcement of judgments in civil and commercial matters applies, or which is a signatory and ratified of the Lugano Convention of 16 September 1988 on jurisdiction and the enforcement of judgments in civil and commercial matters, and all commercial users shall be subject to the exclusive jurisdiction of the competent court of Frankfurt am Main, Germany.