1 Agreement
By using the website www.kaeberg.com and any of its pages (the “Site”),
you confirm that you have reviewed, understand and agree to the following important
legal information and terms of use (the “Terms”). If you do not agree to
the Terms, please exit the Site immediately.
The Terms are subject to change at any time without notice and access to, and use
of the Site may be restricted or terminated at any time. You are therefore advised
to review these Terms each time you access this website.
Access to and use of the Site as well as the Terms are governed by Swiss law. The
place of jurisdiction is Geneva.
Further access to the website might also be subject to the laws applicable in the
relevant jurisdiction from which the same is being accessed.
2 No offer, no advice
The information, products, data, services, tools and documents contained or
described on this Site (the “Content”) are for information purposes only
and constitute neither an advertisement or recommendation nor an offer or
solicitation to buy or sell investment instruments, to effect any transaction or to
enter into any legal relations.
The financial products mentioned on this Site are not suitable for all investors.
Prior to making investment decisions investors should conduct a thorough
investigation and obtain all necessary professional advice for all issues, including
their eligibility to make such investment in terms of the applicable law.
Nothing on this Site constitutes investment, legal, accounting or tax advice, or a
representation that any investment or strategy is suitable or appropriate for
individual circumstances, or otherwise constitutes a personal recommendation for any
specific investor. Kaeberg recommends that investors independently assess, with a
professional advisor, the specific financial risks as well as legal, regulatory,
credit, tax and accounting consequences.
3 Local legal restrictions
The Content is not intended for use by or distribution to any individual or legal
entity in any jurisdiction or country where such distribution, publication or use
would be contrary to the law or regulatory provisions or in which Kaeberg does not
hold the necessary registration or licence. Individuals or legal entities in respect
of whom such prohibitions apply, whether on grounds of their nationality, their
place of residence or on other grounds, must not access or use the Site.
Some services and products of Kaeberg may not be registered or licensed under legal
and regulatory provisions governing financial services or products and their
providers in certain countries. Therefore, all users are requested to contact
Kaeberg directly for information about products and services available in their
country.
4 No warranty
Kaeberg provides no warranty and makes no representations of any kind whatsoever
regarding: (1) the currency, accuracy or completeness of the Content; (2) the
results to be obtained by any user of the Site; or (3) any third-party content
accessible on or through the Site.
Except to the extent required by current laws and/or regulations, Kaeberg, including
its directors, agents, employees or subcontractors: (1) disclaims any and all
express or implied warranties and conditions including without limitation warranties
and conditions as to quality and fitness for a particular purpose; and (2) does not
warrant that the Site, any content (including any third-party content), goods and
services referred to therein will be uninterrupted or error free, that defects will
be corrected or that the Site, the servers from which it is available or any
connected website is free of viruses, trojan horses, worms, software bombs or
similar items or processes or other harmful components. In order to safeguard
against viruses, it is advisable to use up-to-date versions of browsers and to
install and continuously update antivirus software. Users should strictly avoid
opening e-mails of unknown origin or unexpected e-mail attachments.
Any data, including but not limited to financial market data, quotes, notices,
research or other financial information accessible through this Site, have been
obtained from carefully selected sources believed to be reliable. All such
information is provided “as is” to the user without express or implied
warranties of any kind, including warranties of quality, originality,
non-infringement of intellectual property or fitness for any particular purpose.
The information and opinions on the Site are descriptive of Kaeberg as a whole and
the products and services described may not be available to or suitable for all
investors. The fact that a user accesses the Site does not make them a client of
Kaeberg, and users are requested to refer to section 3 above.
Any expressions of opinion, estimates and projections on the Site are those of the
authors at the date of writing. They do not necessarily reflect the view of Kaeberg
and are subject to change at any time without prior warning. Kaeberg and its
contractual partners may discontinue, or make changes in, the information, data and
documents, and the products or services described herein, at any time without prior
notice. Any information marked with a date is published as of this date only and no
obligation or responsibility is undertaken to update or amend any such information.
5 No liability
To the maximum extent permitted by current laws and/or regulations, Kaeberg,
including its directors, agents, employees, sub-contractors and its sales partners
disclaim any and all liability for losses or damages (direct or indirect) of any
kind whatsoever arising directly or indirectly as a result of (1) the Content,
accuracy, completeness or otherwise of the Content or any links or third-party
content; (2) any errors in or omissions from the Site; (3) use of or access to the
Site; (4) any inability to access or use the website for any reason.
To the full extent permitted by current laws and/or regulations, Kaeberg shall not
be liable for any (1) loss of profits or revenue or savings or other economic loss;
(2) loss of business or goodwill; (3) loss of or damage to data; (4) incidental or
special loss; (5) wasted or lost management time; or (6) indirect or consequential
loss arising from use of or access to the Site, even if advised of the possibility
of any such loss or damage or if such loss or damage was foreseeable.
6 Proprietary information
Unless accompanied by an explicit statement to the contrary, all content on this
Site is protected by copyright, database rights, or other intellectual property
rights, and is the property of Kaeberg.
Except as otherwise specifically agreed in writing or to the extent necessary to use
the Site in accordance with these Terms, you shall not: (1) copy the Site in whole
or in part (except to make backup copies solely for disaster recovery purposes);
(2) display, reproduce, create derivative works from, transmit, sell, distribute,
rent, lease, sublicense, time-share, lend or transfer or in any way exploit the Site
in whole or in part; (3) embed the Site into other products; (4) use the Site in
any timesharing arrangement; (5) create function calls or other embedded links from
any software program to the Site; (6) remove or obscure any copyright notice of
Kaeberg or any of its suppliers; (7) use any trademarks, service marks, domain
names, logos, or other identifiers of Kaeberg or any of its third-party suppliers;
or (8) save to the extent permitted under by law, reverse engineer, decompile,
disassemble, or access the source code of the Site.
Nothing on the Site is designed to grant any licence or right to use any image,
trademark or logo. No act of downloading or otherwise copying from the Site will
transfer any legal entitlement to any software or material on the Site to you.
Kaeberg reserves all intellectual property rights (such as copyright and trademark
rights) to all material on the Site, and will enforce such rights to the full extent
of applicable law.
7 Third-party content
Statements on this Site may contain information obtained from third parties,
including ratings from rating agencies and research from research providers.
Reproduction and distribution of third-party content in any form is prohibited
except with the prior written permission of the related third party. Third-party
content providers do not guarantee the accuracy, completeness, timeliness or
availability of any information, including ratings or research, and are not
responsible for any errors or omissions (negligent or otherwise), regardless of the
cause, or for the results obtained from the use of such content. Third-party content
providers give no express or implied warranties, including, but not limited to, any
warranties of merchantability or fitness for a particular purpose or use.
Third-party content providers shall not be liable for any direct, indirect,
incidental, exemplary, compensatory, punitive, special or consequential damages,
costs, expenses, legal fees or losses (including lost income or profits and
opportunity costs) in connection with any use of their content, including ratings
or research. Credit and/or research ratings are statements of opinions and are not
statements of fact or recommendations to purchase, hold or sell securities. They do
not address the market value of securities or the suitability of securities for
investment purposes and should not be relied on as investment advice.
8 Material interests
Kaeberg and/or its board of directors, executive management and employees may have
or have had interests or positions or traded or acted as market makers in securities
referred to on the Site. Furthermore, such entities or persons may have or have had
a relationship with or may provide or have provided corporate finance or other
services to or serve or have served as directors of companies referred to on the
Site.
9 Performance
The past is not an indication of the future performance of an investment. The value
of investments may be subject to fluctuations and investors may not get back the
amount invested. Changes in rates of foreign exchange may also cause the value of
investments to go up or down.
10 Monitoring
Please note that all your actions while using this Site may be recorded and
analysed for various purposes, including security, marketing and system monitoring
purposes.
11 Links to third-party websites
Links to third-party websites on the Site are provided solely for your convenience
as pointers to information on topics that may be useful to users of the Site.
Kaeberg has no control over the content on such third-party websites nor are such
websites monitored by Kaeberg. Activating some links to third-party websites on this
Site may cause you to leave this Site. No warranties or liability concerning the
content of such websites are made, including assurances that it is correct,
accurate, complete, true, up-to-date or fit for any particular purpose. Nor does
Kaeberg warrant that such website or content is free from any claims of copyright
or trademark or other infringement of the rights of third parties or that such site
or content is free of viruses or other harmful components. No guarantee as to the
authenticity of documents on the Internet is given.
Using links to third-party websites provided on this Site is at your sole discretion
and at your own risk.
Please note that third-party websites are not subject to Kaeberg’s data
protection policy and Kaeberg is not responsible for the policies they apply with
regard to collection and treatment of your personal data. We recommend that you
carefully read the terms of use and data protection policies governing the
third-party website before using it in order to check how it protects your personal
data and privacy.
12 Data processing
For information on the kind of data collected, the purpose for which it is
collected, how it is processed, to whom it may be disclosed and the security
measures that have been put in place to protect it, please consult the
Kaeberg Privacy Notice.
13 Assignment, subcontracting and delegation
These Terms are for the benefit of Kaeberg, its successors and assigns. Kaeberg may
assign or transfer any of its rights under these Terms. Kaeberg may delegate or
subcontract the performance of any obligation under these Terms.
Geneva, May 2026
