1. Responsible Entities
For Investors in Germany, Austria, Liechtenstein, Luxembourg, Italy, Sweden, Finland, Norway and Denmark:
Bank Vontobel Europe AG
Address: Alter Hof 5, 80331 Munich, Germany (Headquarters)
Branch: Bockenheimer Landstraße 24, 60323 Frankfurt am Main
Registered with the Munich Commercial Register, HRB 133419
VAT ID: DE 264 319 108
Supervisory Board Chairman: Brian Fischer
Management Board: Thomas Fischer, Anton Hötzl
Supervised by: BaFin and Deutsche Bundesbank
For investors in Switzerland:
Bank Vontobel AG
Address: Gotthardstrasse 43, 8002 Zurich, Switzerland
Phone: +41 (0)58 283 71 11 | Email: vontobel.group@vontobel.com
Registered with the Commercial Register of the Canton of Zurich, CH-020.3.902.757-5
VAT ID: CHE-105.840.858
Supervised by: FINMA (Bern)
Both institutions are wholly owned subsidiaries of Vontobel Holding AG, Zurich.
2. Nature of Content
The content provided is for promotional, informational, and educational purposes only. It does not constitute investment advice, a personal recommendation, an investment recommendation, or an offer to buy or sell financial instruments. This content is classified as advertisement or marketing communication/material and for informational purposes only. No suitability or appropriateness assessment is conducted.
Structured securities issued by the respective issuer are transferable securities / exchange-traded bearer debt securities (Art. 4 para. 1 no. 44 lit. a MiFID II). The content does not take into account the individual circumstances, investment objectives, or risk tolerance of the user. Any investment decision is made at the user's own responsibility.
3. Risks
Structured securities are complex financial instruments and involve the following key risks:
Risk of Total Loss: The invested capital may be completely lost, especially with leveraged products and products with knock-out barriers.
Issuer Risk: The products represent a claim against the respective issuer. In the event of the issuer's insolvency, there is a risk of total loss. Structured securities are not covered by deposit protection schemes – neither in Germany (EdB) nor in Switzerland (esisuisse).
Market and Price Risk: Changes in the value of the underlying asset, volatility, interest rates, exchange rates, and time value can affect the product's value.
Currency Risk: For foreign currency products, exchange rate fluctuations may reduce returns or increase losses.
Liquidity Risk: A secondary market is not guaranteed. Market making is voluntary.
Past performance is not a reliable indicator of future results.
Before making any investment decision, carefully read the Key Information Document (KID), Base Prospectus, and Final Terms. These documents are available free of charge at https://markets.vontobel.com.
The approval of the Base Prospectus by BaFin or the authorization by the relevant authority should not be understood as an endorsement of the offered securities.
4. Conflicts of Interest
The respective company and the Vontobel Group may act as the issuer, market maker, lead manager, calculation agent, or proprietary trading counterparty for the products or their underlying assets and may receive remuneration from these activities. For information on the handling of conflicts of interest: https://www.vontobel.com/en-ch/legal-notice/mifid/
5. Target Market and Distribution Restrictions
This content is intended exclusively for individuals residing in Germany, Austria, Liechtenstein, Luxembourg, Italy, Sweden, Finland, Norway, Denmark or Switzerland. It is not intended for U.S. persons (as defined by Regulation S under the U.S. Securities Act of 1933) or individuals residing in Japan, Canada, or Australia. Each user is responsible for complying with the restrictions applicable in their country of residence.
6. Intellectual Property
All content is protected by copyright and trademark laws. Any use beyond personal information requires prior written consent.
7. Liability
No guarantee is provided for the accuracy, completeness, or timeliness of the information. The respective company is only liable in cases of intent or gross negligence. Mandatory legal liability provisions remain unaffected. No responsibility is taken for the content of linked third-party websites.
8. Data Protection
For Investors in Germany, Austria, Liechtenstein, Luxembourg, Italy, Sweden, Finland, Norway and Denmark: Data processing is carried out in accordance with the GDPR. Operating social media channels may establish joint responsibility with the platform operator (ECJ C-210/16).
For investors in Switzerland: Data processing is carried out in accordance with the Swiss Data Protection Act (as of September 1, 2023). Central data storage is located in Switzerland.
For more details, refer to the Privacy Policy
9. Governing Law and Jurisdiction
For investors in Germany, Austria, Liechtenstein, Luxembourg, Italy, Sweden, Finland, Norway and Denmark:
German law applies. Jurisdiction is Munich, subject to mandatory consumer jurisdiction provisions (Art. 18 Brussels I Regulation / Art. 16 Lugano Convention).
For investors in Switzerland:
Swiss law applies. Jurisdiction is Zurich, subject to mandatory jurisdiction provisions under the Swiss Civil Procedure Code (ZPO) and the Lugano Convention.
10. Complaints
For Investors in Germany, Austria, Liechtenstein, Luxembourg, Italy, Sweden, Finland, Norway and Denmark:
Customer Complaints Office of Bank Vontobel Europe AG:
Tel.: +49 (0)69 69 59 96-3205
Email: zertifikate.de@vontobel.com
German Banking Industry Committee (Ombudsman of the Private Banks):
Address: Postfach 04 03 07, 10062 Berlin, Germany
Tel.: +49 30 1663-3166
Fax: +49 30 1663-3169
Email: ombudsmann@bdb.de
Website: https://www.bankenombudsmann.de
For cross-border complaints: Investors residing outside Germany may also contact their local FIN-NET member for assistance in accessing the competent ADR body. A list of FIN-NET members is available at: https://finance.ec.europa.eu/consumer-finance-and-payments/retail-financial-services/financial-dispute-resolution-network-fin-net_en
BaFin: www.bafin.de
EU Online Dispute Resolution Platform: https://ec.europa.eu/consumers/odr
For investors in Switzerland:
Customer Complaints Office of Bank Vontobel AG:
Website: https://www.vontobel.com/de-ch/ueber-vontobel/kontakt/beschwerdeformular/
Swiss Banking Ombudsman:
Address: Bahnhofplatz 9, Postfach, CH-8021 Zurich
Phone (Mon-Thu, 08:30–11:30): +41 43 266 14 14 (German/English), +41 21 311 29 83 (French/Italian)
Fax: +41 43 266 14 15
Website: www.bankingombudsman.ch