These Terms of Use apply to www.cbhbank.com as well as any other affiliated sites of CBH Compagnie Bancaire Helvétique SA (hereinafter referred to as “CBH Bank”), digital services, or applications where a link to these Terms of Use appears (collectively, the “CBH Website”) and apply to all visitors. These Terms of Use and any other terms that appear on the page from which you were directed to these Terms of Use govern your use of the CBH Website. By accessing the CBH Website, you agree to be legally bound by the Terms of Use then in effect.

These Terms of Use as well as the information and materials contained in the CBH Website are subject to change at any time and from time to time, without notice.

Modifications to Terms and Content

The Terms of Use, as well as any content and functionalities on the CBH Website, may be updated or modified at any time. Continued access to the CBH Website following any modification in these Terms of Use will constitute your acceptance of the Terms of Use as modified.

Jurisdictional Restrictions

The CBH Website is not intended for use in jurisdictions where such use would be contrary to local laws or regulations. Please ensure that your use complies with applicable laws in your jurisdiction.

Product and Service Eligibility

Not all products or services displayed on the CBH Website are available to all individuals or in all jurisdictions. Please refer to specific Terms and Conditions for eligibility requirements.

No offer

The information on the CBH Website is for informational purposes and subject to change without notice. It should not be interpreted as solicitation, offer, or advice for financial, legal, or tax planning. Always consult with qualified professionals for financial advice.

Performance Risks

The past performance of an investment is not indicative of its future performance, which is subject to market and currency fluctuations. CBH Bank makes no guarantees on the preservation or appreciation of invested capital.

Forward-Looking Statements

Statements on the CBH Website that anticipate future events are forward-looking and subject to uncertainties that could cause actual results to differ materially.

Warranty and Liability Limitations

The CBH Website is provided “as-is.” CBH Bank disclaims any warranties, express or implied. We are not liable for any losses or damages incurred from the use of this site.

Security Precautions

You are responsible for your own security measures, including using up-to-date software and firewalls. CBH Bank is not liable for losses or damages caused by cyber threats or fraudulent activities.

Intellectual Property

All intellectual property rights related to the CBH Bank Website and its contents belong to CBH Bank or third-party licensors. Unauthorized use is prohibited.

Electronic Communication

Be aware that communication via the internet may be insecure and is subject to risks, including unauthorized interception and data manipulation. CBH Bank is not liable for losses arising from the use of electronic communication.

Severability

Should any provision in these Terms of Use be found invalid or unenforceable by a competent court, the remaining provisions shall remain in effect.

Additional Terms

If additional terms are applicable to certain pages, such terms will govern in the event of a conflict with these Terms of Use.

Third-Party Links

CBH Website may provide hyperlinks to third-party websites for convenience. CBH assumes no responsibility for the content or compliance with regulations of such sites.

Compliance with Financial Regulations

Users are responsible for ensuring that they comply with all applicable banking and financial regulations under Swiss law, including but not limited to the Federal Act on Banks and Savings Banks (“Banking Act”).

Litigation

In the event of legal disputes arising from these Terms or the use of our services, both parties agree to attempt to resolve the matter through negotiation before initiating litigation.

Corporate Social Responsibility

CBH is committed to ethical practices and complies with applicable laws and regulations concerning Corporate Social Responsibility (CSR).

Last update: September 2023