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In the following paragraphs, you will find the General Terms and Conditions (version 2018) for the Austrian branch offices of �鶹�� Europe SE, as well as a comparison of the modified or altered clauses with their former versions. An English version of the General Terms and Conditions and of the comparison of modified or altered clause and of the Execution Policy is not available, since the contractual language of the Austrian branch offices of �鶹�� Europe SE is German.

• General Terms and Conditions of Business
• Comparison of modified or altered clauses with their former versions of the General Terms and Conditions of Business
• Execution Policy
• Sustainable Finance Disclosure Regulation (SFDR)

Persons who access information on websites of the Austrian branch offices of �鶹�� Europe SE ("�鶹�� Website") agree to the following terms and conditions. Special agreements, if any, regarding individual services or products of the Austrian branch offices of �鶹�� Europe SE shall apply in addition to these terms; in the case of contradictions, however, the provisions of the special agreement in question shall prevail.

bank resolution/bail-in

No offer, no obligation

The information published on the �鶹�� website does not constitute a recommendation, an offer or a solicitation to buy or sell investment vehicles, to engage in dealings of any kind or to enter into any legal transaction.

The published information and statements of opinion are provided by �鶹�� solely for personal use and for informational purposes; they are subject to change without notice at any time. �鶹�� makes no warranty, express or implied, as to the accuracy, completeness or topicality of the information and opinions expressed on the �鶹�� website. In particular, �鶹�� is not obliged to remove information that is no longer up-to-date from the �鶹�� website, or expressly to label it as such.
The information on the �鶹�� website is neither intended as an aid to decision-making in economic, legal, tax or other advisory matters, nor should investment or other decisions be made solely on the basis of this information. We recommend that you obtain advice from a certified professional in such cases.

Performance

The future performance of investments cannot be predicted on the basis of the indicated price development, that is to say, the value of your assets may increase or decrease. In view of such price fluctuations, �鶹�� cannot guarantee the conservation (much less an increase) in value of the invested capital.

Limitations of liability

�鶹�� accepts no liability for any loss or damage of any kind, whether direct, indirect or consequential, arising out of or in connection with the use of and/or access to the �鶹�� Website or to links to third party websites.
In addition, �鶹�� disclaims any liability for manipulation of the Internet user’s computer system by unauthorized persons. �鶹�� expressly points out the threat of viruses and the possibility of targeted hacking attacks. To combat viruses, we recommend the use of current browser versions as well as the installation of continuously updated anti-virus software. Emails of unknown origin and attachments to emails not expected by the recipient should not be opened under any circumstances.

Linked websites (links)

Certain links on �鶹�� websites lead to websites of third parties. These are entirely beyond the control of �鶹��, which is why �鶹�� assumes no responsibility whatsoever for the accuracy, completeness and legality of the content of such websites and for any offers made and services advertised therein.

Material interests

�鶹�� Group and/or its directors, officers and employees may own or hold/have owned or held shares or positions or have acted as market makers in respect of the relevant securities. In addition, such legal entities or individuals may have/have had relationships with the relevant companies, provide/have provided investment banking or other services to such entities, or may have/may have had insight into their management in their capacity as directors.

Local legal restrictions

The �鶹�� website is not intended for persons who are subject to a jurisdiction that prohibits publication of or access to the �鶹�� website (by reason of the nationality of the person, their place of residence or for any other reason). Persons to whom such restrictions apply are prohibited from accessing the �鶹�� website. This shall apply particularly to persons resident in Italy and Spain.

Users in the United Kingdom

�鶹�� Limited, a subsidiary of �鶹�� AG, is responsible for the content published on the �鶹�� website in the United Kingdom. For persons having business relationships with �鶹�� or other �鶹�� Group companies outside the United Kingdom, the rules and regulations adopted to protect investors in the United Kingdom do not apply.

Using the �鶹�� website

The entire content of the �鶹�� website is protected by copyright. Saving or printing of individual pages and/or sections of the �鶹�� website is permitted as long as neither the copyright symbols nor any other legally protected names or marks are removed. By storing or otherwise reproducing software or other data on the �鶹�� website, you are accepting the respective terms of use. All proprietary rights shall remain with �鶹��. Reproduction (in whole or in part), transmission (electronically or by other means), modification, linking or use of the �鶹�� Website for public or commercial purposes shall be prohibited without the prior written consent of �鶹��.