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Terms of Use

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Terms of Use / Disclaimer

By accessing this website (“AAFH 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 AAFH Website.

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

Access Subject to Local Restrictions

The AAFH 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, subsidiary or affiliate office of AAFH and such licenses or authorisations have not been obtained.

Services and Products

Products and services displayed on the UBS 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 AAFH Website have no regard to the specific investment objectives, financial situation or particular needs of any specific recipient. Any report available on the AAFH 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 a 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 AAFH as a result of using different assumptions and criteria. AAFH is not under any obligation to update or keep current the information contained herein.

No Offer

The information contained in the AAFH Website is just for informational purposes. No information published on the UBS 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.

AAFH does not intend to provide investment, legal or tax advice through the AAFH 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 AAFH Website may contain statements that constitute “forward looking statements”. While these forward looking statements may represent AAFH’ judgment and future expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from AAFH’ expectations. AAFH 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 AAFH Website are provided “as is” and “as available”. AAFH makes no representations or warranties of any kind, either express or implied, with respect to the information and functionality contained in the AAFH Website, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, AAFH does not warrant the accuracy, timeliness, completeness, reliability or availability of the AAFH Website or the information or results obtained from use of the AAFH Website, or that the AAFH Website is virus-free or error-free.

No Liability

To the fullest extent permitted by law, in no event shall AAFH 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 AAFH has been advised of the possibility of the same.


The AAFH Website may contain third party content or links to third party websites. These content and links are provided solely for your convenience and information. AAFH 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. AAFH shall have no liability for third party content or websites or websites linking to or framing the AAFH Website.

Social Bookmarks

The AAFH Website may contain Social Bookmarks which are identifiable by means of respective buttons. Social Bookmarks allow users of certain social media platforms to post links of selected AAFH web pages on their corresponding social media profile in order to bookmark them or share them with their social media contacts. If you use Social Bookmarks you will be sending identifying data to the respective social media platform. Any comments or activity arising from persons using Social Bookmarks is not controlled, endorsed or monitored by AAFH and AAFH shall not be responsible or liable for such. Persons who share AAFH communications via Social Bookmarks are not authorized to speak for or represent AAFH and their views and opinions must be regarded as strictly their own and not AAFH’s. In addition, the provisions in these Terms of Use relating to Links also apply to Social Bookmarks.

Intellectual Property Rights

AAFH, 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 AAFH Website. Individual pages and/or sections of the UBS 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 AAFH Website without the prior written permission of AAFH. Systematic retrieval of content from the AAFH 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 AAFH Website without written permission from AAFH is prohibited.

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

Electronic Communication (E-Mail)

The Internet is an 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 AAFH by using a secure channel if such channel is provided by AAFH. 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, AAFH does not accept any orders or instructions sent by E-mail or any other electronic messaging system.

AAFH shall not be liable to you or anybody else for any damages incurred in connection with any messages sent to AAFH 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 AAFH 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.

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