Terms of us

By accessing this website ("AICC Website") you agree to be legally bound by these terms of use / disclaimer ("Terms of Use"). Please also consult the applicable additional legal information for your relevant country.

If you do not agree to these Terms of Use, do not proceed to further web pages of the AICC Website.
These Terms of Use as well as the information and materials contained in the AICC Website are subject to change from time to time without notice.

Access Subject to Local Restrictions

The AICC Website and all information and functionality contained within it are not directed at or intended for use by any person resident or located in any jurisdiction where (1) the distribution of such information or functionality is contrary to the laws of such jurisdiction or (2) such distribution is prohibited without obtaining the necessary licenses or authorisations by the relevant branch, sidiary or affiliate office of AICC and such licenses or authorisations have not been obtained.

Services and Products

Products and services displayed on the AICC Website may not be eligible for sale or available to residents of certain countries or certain categories of investors. Please consult the applicable terms and conditions such as sales restrictions or key specific notes for further information.

Any materials available on the AICC Website have no regard to the specific investment objectives, financial situation or particular needs of any specific recipient. Any report available on the AICC Website is published for information purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Unless specifically stated otherwise, all price information is indicative only. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the materials, nor are they a complete statement of the securities, markets or developments referred to herein. The materials should not be regarded by recipients as an AICC substitute for the exercise of their own judgement. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or groups of AICC as a result of using different assumptions and criteria. AICC is not under any obligation to update or keep current the information contained herein.

No Offer

The information contained in the AICC Website is just for informational purposes. No information published on the AICC Website constitutes a solicitation, an offer, or a recommendation to buy or sell any investment instruments, to effect any transactions, or to conclude any legal act of any kind whatsoever.

AICC does not intend to provide investment, legal or tax advice through the AICC Website and does not represent that any securities or services discussed are suitable for any investor.

When making a decision about your investments, you should seek the advice of a professional financial advisor.

Forward Looking Statements

The AICC Website may contain statements that constitute "forward looking statements". While these forward looking statements may represent AICC’ judgment and future expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from AICC’ expectations. AICC is under no obligation to (and expressly disclaims any such obligation to) update or alter its forward looking statements whether as a result of new information, future events, or otherwise.

No Warranty

The information and materials contained on the AICC Website are provided "as is" and "as available". AICC makes no representations or warranties of any kind, either express or implied, with respect to the information and functionality contained in the AICC Website, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, AICC does not warrant the accuracy, timeliness, completeness, reliability or availability of the AICC Website or the information or results obtained from use of the AICC Website, or that the AICC Website is virus-free or error-free.

No Liability

To the fullest extent permitted by law, in no event shall AICC or any of its directors, employees or agents have any liability whatsoever to any person for any direct or indirect loss, liability, cost, claim, expense or damage of any kind, whether in contract or in tort, including negligence, or otherwise, arising out of or related to the use of all or part of these web pages, even if AICC has been advised of the possibility of the same.

Links

The AICC Website may contain third party content or links to third party websites. These content and links are provided solely for your convenience and information. AICC has no control over, does not assume any responsibility for and does not make any warranties or representations as to, any third party content or websites, including but not limited to, the accuracy, subject matter, quality or timeliness. AICC shall have no liability for third party content or websites or websites linking to or framing the AICC Website.

Intellectual Property Rights

AICC, or the applicable third party owner, retains all right, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other right) in all information and content (including all text, data, graphics and logos) on the AICC Website. Individual pages and/or sections of the AICC Website may be printed for personal or internal use only, and provided that such print outs retain all applicable copyright or other proprietary notices. All users must not, without limitation, modify, copy, transmit, distribute, display, perform, reproduce, publish, license, frame, create derivative works from, transfer or otherwise use in any other way for commercial or public purposes in whole or in part any information, text, graphics, images, video clips, directories, databases, listings or software obtained from the AICC Website without the prior written permission of AICC. Systematic retrieval of content from the AICC Website to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) or creating links to the AICC Website without written permission from AICC is prohibited.

CFIG®, the key trademark and AICC are among the registered and unregistered trademarks of AICC. Other marks may be trademarks of their respective owners. Except as noted above, you may not use any trademarks of AICC for any purpose without the written permission of AICC.

Electronic Communication (E-Mail)

The Internet is a universally accessible medium. Ordinary E-mail messages sent over the Internet are neither confidential nor secure. They may be viewed by third parties, lost, intercepted or altered. E-mails may circulate across national borders, even if both sender and recipient are located in the same country.

You are therefore recommended to communicate with AICC by using a secure channel if such channel is provided by AICC. In no event should you use ordinary E-mail to transmit personal or confidential information such as any account related data.

Unless explicitly stated otherwise, AICC does not accept any orders or instructions sent by E-mail or any other electronic messaging system.

AICC shall not be liable to you or anybody else for any damages incurred in connection with any messages sent to AICC using ordinary E-mail or any other electronic messaging system.

Severability Clause

To the extent that any provision of these Terms of Use is found by any competent court or authority to be invalid, unlawful or unenforceable in any jurisdiction, that provision shall be deemed not to be part of this disclaimer but such finding shall not affect the validity, lawfulness or enforceability of the remainder of these Terms of Use in that jurisdiction, nor shall it affect the validity, lawfulness or enforceability of these Terms of Use in any other jurisdiction.

Conflict with Additional Terms

Certain web pages or areas on the AICC Website may contain additional terms, conditions, disclosures and disclaimers (together “Additional Terms”). In the event of a conflict between these Terms of Use and the Additional Terms, the Additional Terms will govern for those web pages or areas.

Last update: February / 25 / 2010