Authorised users
The information contained on this website is exclusively addressed to persons who are residents of Republic of Finland and must not be distributed to persons or accessed by persons outside this country.
The user agrees to discontinue the use of this website if, now or in the future, the user ceases to be located in the above-mentioned country.
No offer, no solicitation to purchase, subscribe or sell
This website solely gives the user access to information that Bank Vontobel Europe AG (referred to collectively with its affiliates as "Vontobel") decided to make publicly available, and does not constitute a solicitation or offer by Vontobel to purchase, subscribe for or sell securities. Investors are not able to purchase, subscribe or sell the securities described on this website directly from Vontobel but through their own bank or intermediary only.
No contract to provide information; no advice; hotline; complaints
The use of this website shall not create a contractual relationship with Vontobel extending beyond these Terms and Conditions of Use. In particular, the information presented on this website shall not be deemed to be an offer by Vontobel to enter into an advisory agreement or any other contract to provide information either on a gratuitous or non-gratuitous basis. The user's visit of this website or retrieval of information contained therein shall not create a contract between Vontobel and the user to provide information.
Neither the information on this website nor information which users receive through the hotline shall constitute any investment, tax or other advisory service. Such information does not take into account the user's specific situation, for example the user’s knowledge of the relevant securities, investment targets and risk appetite, financial situation or the user’s tax position.
Potential investors should seek their own advice by their bank or intermediary or any other tax or financial adviser, which is essential in each individual case prior to taking any purchasing, subscribing or selling decision.
Users should address any objections or complaints relating to this website in writing to the following address:
Bank Vontobel Europe AG
Niederlassung Frankfurt am Main
Bockenheimer Landstraße 24
60323 Frankfurt am Main
Germany
Information on this website
Information on this website is neither an investment advice nor an invest-ment or investment strategy recommendation, but advertisement. In addition, this website contains price and other product information.
Information on this website does not constitute financial analysis and also does not satisfy statutory requirements for ensuring the unbiased nature of financial analysis.
Risks
The purchase/subscription of securities is associated with financial risks. Such risks may materialise and lead to a total loss of the invested capital. Potential investors should therefore carefully read the base prospectus, the relevant final terms and any supplements to the base prospectus in order to understand the risks associated with an investment in the securities. The securities described on this website are products that are not simple and may be difficult to understand.
Price information
The price information contained on this website originates either from third-party sources such as financial information service providers or has been calculated by Vontobel and should not be relied upon to predict future values or prices.
In some cases, prices of securities or underlying instruments may be shown with a time delay. Users can find additional price information, in particular information pertaining to the past price performance of the underlying, at the place referred to in the prospectus for the relevant security. Historical price performance is not a reliable indicator of future price performance of the underlying or the securities. It should be noted that Vontobel provides no warranty for the accuracy of the price information and that price information shall be subject to correction at any time.
Information on returns
On this website, all information on returns, such as bonus or maximum returns, refers to gross returns which do not factor in costs that will be incurred and, unless expressly indicated otherwise, taxes to be paid by the investor. Investors will, in fact, incur costs and taxes which reduce potential returns. These include, for example, securities account costs or transaction costs. The extent of the impact of any such costs and tax on the net return depends on the amount of the investment and the costs and tax actually incurred by the relevant investor.
Key Information Documents
If required by applicable laws or if Vontobel decides to make available without the obligation to do so, Key Information Documents (KIDs) can be retrieved on this website on the relevant product detail page.
To the extent the user retrieves a KID, Vontobel shall be entitled – but not required – to store user data (in particular the IP address, provider and the referrer URL), the time of access and the contents of the KID transmitted to the user. Such storage serves to satisfy regulatory requirements, and the stored data may also be used in the context of legal disputes between the user or other investors and Vontobel. The data privacy policy also refers to this data.
Prospectus
Users considering the purchase or subscription of securities described on this website should carefully read the base prospectus, which, in addition to the final terms and any supplements to the base prospectus, is published on this website (see relevant product detail page) and which is obtainable free of charge from the issuer, Vontobel Financial Products GmbH, Bockenheimer Landstraße 24, 60323 Frankfurt am Main, Germany, and on https://prospectus.vontobel.com. The approval of the prospectus should not be understood as an endorsement of the securities.
Conflicts of interest
Vontobel may, from time to time, purchase or sell securities, commodities, futures, options or other instruments for hedging and other purposes, or hold positions (long or short) in instruments which may be linked to the securities described on this website. This may possibly have an adverse impact on the value of the securities. In addition, Vontobel may be the calculation agent or sponsor of underlying instruments of the securities and, as such, may make determinations which adversely affect the value of the securities.
Commission payments by Vontobel
Vontobel may pay commissions to distribution partners in connection with the distribution of any securities. Such commission payments will reduce the return the investor is able to achieve. If commissions are paid, you will find information pertaining to the amount of these commission payments in the relevant final terms.
Selling restrictions
The products described on this website are not permitted to be offered for sale in all countries and are in each case reserved for the group of persons who are authorised to purchase the products. The selling restrictions which apply to specific products are set out in the relevant prospectuses and should be read carefully by the user.
Legal entities domiciled in the United States or other jurisdictions
The information contained on this website is not intended for the United States.
U.S. persons (within the meaning of Regulation S of the U.S. Securities Act of 1933) and legal entities which are domiciled in the U.S. are prohibited from accessing this website. Information provided on this website is not permitted to be disseminated or disclosed in the U.S. or other countries in which doing so would breach their applicable law. The securities described on this website are not and will not be registered pursuant to the U.S. Securities Act of 1933, and no authorisation was obtained to trade these securities pursuant to the U.S. Commodities Exchange Act of 1936. The securities are not permitted to be sold or offered in the U.S., to U.S. persons or to legal entities domiciled in the U.S.
The products described on this website will be offered or sold to legal entities in other jurisdictions only if this is permissible under the relevant applicable legal provisions.
No warranty for content
The provision of or the content on this website or other services shall not give rise to any obligations of Vontobel vis-à-vis the users.
Although this website is based on information which Vontobel deems reliable, and Vontobel strives to keep this information up to date, Vontobel provides no warranty whatsoever for the information contained on this website (announcements regarding the terms and conditions of the securities shall remain unaffected thereby). In particular, Vontobel provides no warranty as to (a) the quality, accuracy, correctness, availability and completeness of the data and other information on these website, (b) the timely and accurate notification of users that defined limits or thresholds have been reached, (c) continuing to provide or update such information in the future, (d) the suitability or appropriateness of securities for investors, (e) the accounting and tax consequences of investing in securities and (f) the future price performance of securities. Investors should consult their own bank/intermediary and/or any other tax or financial adviser prior to taking any purchasing, subscribing or selling decision.
The values and prices presented on this website do not factor in the size of transactions, i.e., a specific transaction size may result in deviating values or prices. In addition, these may not correspond to the value or price which is obtainable on the relevant market at the time a user would like to purchase or sell specific securities or currency.
Links
This website may contain links to websites which are financed and maintained by third parties. Vontobel provides users with such links solely to assist them in finding other sites. Vontobel has not examined the information, software or products on such sites with respect to content or proper functioning. As such, Vontobel makes no representations whatsoever about the content of such sites. In addition, Vontobel assumes no liability for any technical defects or viruses contained on such sites. The fact that Vontobel provides a link does not constitute a recommendation or confirmation by Vontobel as to the content on such sites, their owners or the persons responsible for them.
Rights in content and layout
The content and layout of the website, including the underlying software, are subject to copyrights and otherwise protected. The reproduction, transmission, modification, linking or use of the website (in full or in part) for public or commercial uses without the written consent of Vontobel shall be prohibited. Downloads and copies of this website are for private, non-commercial use only; they may not be disclosed to third parties.
Data privacy
Further information on data protection, as updated from time to time, can be found under the following link. The information published under the link takes precedence: https://www.vontobel.com/privacypolicy
Amendments
We reserve the right to amend these Terms and Conditions of Use without giving prior notification. We therefore advise you to check these Terms and Conditions on a regular basis.
These Terms and Conditions were last updated on 28 February 2022.
Applicable law and jurisdiction
These Terms and Conditions of Use shall be governed by the laws of the Federal Republic of Germany.
In respect of any legal disputes arising in connection with these Terms and Conditions, all private users who are not residents of one of the countries in which Council Regulation (EC) No 1215/2012 of 12 December 2012 on jurisdiction and the recognition and enforcement of judgments in civil and commercial matters applies, or which is a signatory and ratified of the Lugano Convention of 16 September 1988 on jurisdiction and the enforcement of judgments in civil and commercial matters, and all commercial users shall be subject to the exclusive jurisdiction of the competent court of Frankfurt am Main, Germany.
1. Our commitment to privacy
Bank Vontobel Europe AG (“Vontobel”, “us” or “we”) highly appreciates your interest in Vontobel and our products and services. Your privacy is important to us and we want you to feel comfortable using our products and services and visiting our websites. It is a major concern for Vontobel that your personal data [As such term is defined by data protection laws and regulations. For example, according to Art. 4 (1) GDPR, “personal data” means any information relating to an identified or identifiable natural person; an identifiable natural person is one who can be identified directly or indirectly.] is treated in a responsible manner and in compliance with legal requirements. To this end, we take precautions, such as implementing robust technical and organizational security measures including password encryptions, firewalls, authentication technologies, access management, employee awareness-raising and training, and appointment of a Data Protection Officer.
This Privacy Policy is applicable to our website visitors, current and potential clients, shareholders and investors or other business partners (including distributors, contractors, service providers, suppliers and other third parties) (“Business Partners”).
This Privacy Policy describes the way we process personal data about our Business Partners, and (if the Business Partner is an organization or legal entity) about the individuals who are acting as the representatives of (including employees, contractors or authorized signatories) or are otherwise linked to our Business Partners (“Data Subjects”, or “you”), when you visit our websites, use our products and services, use our mobile applications, register for any service (“Vontobel Services”) or are otherwise interacting with us (for example in your capacity as a shareholder or investor).
Vontobel is committed to complying with applicable data protection laws and regulations including the provisions of the Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (“General Data Protection Regulation”; “GDPR”) and the Swiss Federal Act on Data Protection of 25 September 2020 and its implementing ordinances (“FADP”) and thus to ensuring the protection and confidentiality of your personal data.
Please read this Privacy Policy carefully before registering for or using Vontobel Services or before providing any personal data. As the processing of your personal data may depend on the Vontobel Services requested or used by you, this Privacy Policy applies in addition to any specific privacy policy or terms for the respective Vontobel Services.
Please also forward this Privacy Policy to authorized representatives, beneficiaries and beneficial owners, as well as to all other Data Subjects in relation to which you have already provided or will provide personal data to us in course of our business relationship.
The following entity (including its branches) is responsible for data processing:
Bank Vontobel Europe AG
Alter Hof 5
D-80331 Munich
Germany
You can also contact our corporate German and/or global
Data Protection Officer (DPO):
– Corporate German DPO: dpo.de@vontobel.com
– Group DPO: dpo.vontobelgroup@vontobel.com
Vontobel has appointed a Swiss Representative for the affiliated group entities outside Switzerland in accordance with Art. 14 and 15 FADP:
Bank Vontobel AG
Gotthardstrasse 43
CH-8022 Zurich
Switzerland
For the purposes outlined in section 5, we may collect personal data, to the extent legally permitted, from the following sources:
The categories of personal data processed may include the following:
To the extent that we process any special categories of personal data or sensitive personal data [As such term is defined by data protection laws and regulations. For example, according to Art. 9 (1) GDPR, “special categories of personal data” include inter alia personal data revealing ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person or data concerning health.] relating to Data Subjects, we will do so only if the processing is necessary for the establishment, exercise or defense of a legal claim, for reasons of substantial public interest, if you have given your explicit consent to Vontobel to process such data (where legally permissible), or where we are otherwise legally permitted to process such data.
In that sense, we may for example process biometric data that is classified as sensitive personal data. In this respect, your explicit consent will be required in a separate procedure to obtain a biometric identification (for example, Touch ID or other biometric identification) in order to be used for access to certain applications.
We process personal data in compliance with data protection laws and regulations, for the following purposes:
We may process your personal data for the purpose to provide Vontobel Services to our Business Partners or to perform pre-contractual measures. The processing is primarily determined by the specific product or service (for example, financing and financial planning, investments, pensions, e-Banking, succession planning, credits, securities, deposits, or client referral, etc.) and may include, for example, needs assessments, advice, asset management and support, as well as carrying out transactions. You can find additional details about the purposes of personal data processing in the relevant contract documents and terms and conditions.
As a financial institution we are subject to various legal and/or regulatory obligations locally and globally, such as bank regulatory requirements (where applicable), obligations under company law, statutory or other legal/regulatory requirements.
This may include, for example, legal and/or regulatory disclosure, notification and reporting obligations to authorities, courts, including anti-money laundering and anti-terrorist financing regulation (for example, automatic exchange of information with foreign tax authorities, prosecution departments, etc.) and other suitability and due diligence assessments. Other purposes of processing may include assessment of creditworthiness, identity and age verification, anti-fraud measures, fulfillment of tax legal and regulatory (for example, reporting) obligations, fulfillment of obligations under company law (for example, keeping the share register, handling and conducting general meetings and dividend distributions, delivery of semi-annual and annual reports), as well as the assessment and management of risks within Vontobel.
Where necessary, we may process your personal data in order to safeguard the legitimate interests pursued by us or a third party, which does not unduly affect your interests or fundamental rights and freedoms; in particular:
Insofar as you have consented to the processing of personal data for specific purposes (such as analysis of trading activities for marketing purposes, etc.), the lawfulness of such processing is based on your consent. Any consent granted may be withdrawn at any time. Please be advised that the revocation shall only have effect for the future. Any processing that was carried out prior to the withdrawal shall not be affected thereby.
As a financial institution we are under a duty to maintain professional confidentiality [For example, banking secrecy and/or further rules and regulations may apply in Switzerland (in particular, Art. 47 Swiss Federal Banking Act) or other jurisdictions where we operate.]. We may only disclose your personal data to other Vontobel affiliated entities or third parties for the purposes listed in section 5, and only if a legal basis listed in section 5 exists.
In particular, for the purposes stated in section 5, we may commission service providers who are contractually bound to confidentiality, including banking secrecy or other professional confidentiality (as applicable), and to complying with our instructions under data protection laws and regulations.
Your personal data may only be transferred to countries or international organizations outside Switzerland and the EU/EEA (so-called “Third Countries”, which includes any country outside the EU/EEA) if one of the following applies:
For data transfers within Vontobel (including affiliated entities and branches), a list of the countries globally in which Vontobel operates can be found here: vontobel.com/locations
In the context of commissioned data processing (section 6), your personal data will only be transferred to Third- Countries if the relevant country (or data protection framework applicable to such country [For example, EU-U.S. Data Privacy Framework]) is considered to provide an adequate level of data protection by the relevant authorities or institutions, or in the absence of such adequacy decision, if the recipient guarantees adequate protection based on appropriate safeguards provided by data protection laws and regulations (for example, Standard Contractual Clauses issued by the European Commission, and adapted to local law as required), or statutory exemptions provided by data protection laws and regulations (for example, your explicit consent).
A copy of the appropriate safeguards is available (please note that these may under certain circumstances be adapted to the specific case) and may also be requested from our Group Data Protection Officer (dpo.vontobelgroup@vontobel.com) at: vontobel.com/privacy-policy
We process and store your personal data as long as it is necessary for the performance of our contractual and statutory obligations. In this regard, it should be noted that our business relationship is usually a continuing obligation, which may last for several years. We have processes in place to review, at various points, the different categories of data that we hold to ensure that we do not hold these for an excessive period of time. If the data is no longer required for the processing purposes (section 5), or if we are otherwise legally obliged to delete the data, it is regularly deleted, unless its further processing – for a limited time – is necessary for other legal purposes or as may be legitimate and legally permitted, such as:
By data protection laws and regulations, Data Subjects have under certain conditions the right of information, the right of access, the right of rectification, the right to erasure, the right to restrict processing, the right to object, and if applicable, the right to data portability.
Furthermore, if applicable, you have the right to lodge a complaint with a relevant supervisory authority.
You may withdraw any provided consent to the processing of personal data at any time. Please note that the withdrawal will only take effect in the future. Any processing that was carried out prior to the withdrawal shall not be affected thereby.
You have the right to object, on grounds relating to your particular situation, at any time to the processing of personal data concerning you which is based on processing in the public interest and for the purposes of safeguarding legitimate interests; this includes any profiling based on those provisions within the meaning of the specific regulation. If you submit an objection, we will no longer process your personal data unless we can give evidence of mandatory, legitimate reasons for the processing, which outweigh your interests, rights, and freedoms, or where the processing serves the enforcement, exercise, or defense of interests. Please note that in such cases we may not be able to provide services or maintain a business relationship.
In certain cases, we may process your personal data for direct marketing purposes. You have the right to object at any time to the processing of personal data concerning yourself for such marketing purposes, which includes profiling to the extent that it is related to direct marketing. If you object to processing for direct marketing purposes, we will no longer process your personal data for such purposes.
Within the scope of our business relationship, you must provide personal data which is necessary for the initiation and execution of the business relationship and the performance of the associated contractual obligations, or which we are legally obligated to collect. Without these data, we would not be able to enter into any contract or execute an order or we may no longer be able to perform an existing contract and would have to terminate it.
In particular, anti-money laundering and anti-terrorist financing regulations require that we verify your identity before entering into the business relationship, for example, by means of your identity card, and that we record your name, date and place of birth, nationality and your residential address. In order for us to be able to comply with this statutory obligation, you must provide us with the necessary information and documents and notify us without undue delay of any changes that may arise during the course of the business relationship. If you do not provide us with the necessary information and documents, we will not be allowed to enter into or continue your requested business relationship.
In general, we do not make decisions based solely on automated processing to establish and implement the business relationship. If we use these procedures in individual cases, we will inform you of this separately, if such information is required under data protection law and regulations. In such a case, you may under certain conditions have the right to object, to state your position, and/or to request that the decision be reviewed by a natural person.
In some cases, we process your personal data automatically with the aim of evaluating certain personal aspects relating to you (“profiling”); in particular, we may carry out profiling:
All Vontobel personnel who process personal data must comply with our internal policies and rules in relation to the processing of personal data to protect them and ensure their confidentiality.
We have also implemented adequate technical and organizational measures to protect personal data against unauthorized, accidental or unlawful destruction, loss, alteration, misuse, disclosure or access, as well as against all other unlawful forms of processing. These security measures have been implemented, taking into account the state of the art of the technology, their cost of implementation, the risks presented by the processing and the nature of the personal data, with particular care for sensitive personal data. Please find further details here: vontobel.com/cyber-security.
Vontobel may communicate with you via e-mail or physical mailings containing and offering news, promotional offerings, event information or services (“Publication & Subscription Services”), subject to any restrictions under applicable laws and regulations. If you would rather not receive Publication & Subscription Services from us, you may “opt out” by following the “opt out” instructions in each e-mail footer or by contacting us.
Our websites use various types of cookies and web analysis tools. Please consult our Cookie Policy for more information on the use of cookies and web analysis tools:vontobel.com/cookie-policy
In order to comply with applicable laws and regulations, for example, Directive 2014/65/EU of the European Parliament (MIFID II), we may be obliged to record telephone conversations with reference to operations concluded in the performance of our services. For further information about the treatment of your personal data in this regard, please see our complete information at: vontobel.com/mifid
Please let us know if we do not meet your expectations with respect to the processing of personal data or if you wish to complain about our data protection practices; this gives us the opportunity to examine your issue and make improvements, where necessary.
You may contact us by using our online form (vontobel.com/data-privacy-request-form) or by sending your request to either one of the DPO email addresses or via regular mail to the contact points referred to in section 2.
This Privacy Policy was last updated on 1 September 2023. You can find the applicable version on our website. Vontobel reserves the right to amend this Privacy Policy from time to time and will inform you of such an amendment in an appropriate manner (for example, it will be posted on our website).