This Financial Disclaimer (“Disclaimer”) concerns the information about investment opportunities, financial instruments and products provided by radicant, or third parties displayed and available on the Website (“Financial Information”).

Capitalized terms in this disclaimer have the meaning given to them in radicant’s Terms of Use unless defined herein.

radicant bank ag has its registered office at Mühlebachstrasse 162-164, 8008 Zürich, Switzerland. radicant is authorised and regulated by the Swiss Financial Market Supervisory Authority (FINMA) and is licensed as a bank.

No offer, no investment advice

Any Financial Information on the Website is intended exclusively for residents in Switzerland. By accessing the Website, You do not become a client of radicant.

Users in respect of whom restrictions on distribution, publication or use of this Financial Information would be contrary to the laws or regulatory provisions applicable to such Users, whether on grounds of their nationality, their place of residence or on other grounds, must not access and use this Financial Information. Financial Information on this Website is not directed at and is not intended for use by or distribution to “U.S. Persons” within the meaning of the United States Act of 1933, as amended, and the United States Securities Exchange Act of 1934, as amended, or persons resident in the United States of America.

Financial Information on the Website is provided for information purposes only. Financial Information does not constitute financial or other advice, an (in-direct or direct) offer, advertising, invitation, inducement or a promotional message to purchase or sell financial instruments or to enter into any other transaction.

Financial Information and opinions have been obtained or derived from sources believed to be reliable, but radicant makes no representation as to their accuracy or completeness. radicant is entitled to delete or modify Financial Information without prior notice.

The Website may contain hyperlinks to websites of third parties and, therefore, allows access to “external content”, which has been produced and provided by third parties independent from radicant. radicant does  not endorse the related Financial Information, software or products of such third-party websites. radicant does not endorse statements of Users regarding financial instruments or their publishers prior or after their publication as to their accuracy, timeliness, reliability, or completeness. radicant assumes no responsibility nor liability for these statements.

Any reference to third-party products and services is for information purposes only. No representation or warranty, either expressed or implied, is provided in relation to the accuracy, completeness or reliability of such information or the availability or eligibility of such services and products.

The Website may contain estimates or statements. Although these statements reflect the views and future expectations of the respective providers of the Financial Information, several risks, uncertainties and other factors could cause actual development and results to differ materially from these statements.

radicant is not obliged to update or alter any such statements, whether because of new information, future events or otherwise and does not warrant or represent the accuracy, timeliness, reliability or completeness of such statements.

Opinions and assessment expressed by radicant  on the Website reflect radicant’s view at the time of publication and do not constitute individual investment, legal or tax advice.

Historical data on the performance of the financial instruments is no indication of future performance. No representation or warranty is made that any indicative performance or return indicated will be achieved in the future.

Investments in foreign currencies may be subject to currency fluctuations and thus entail higher risks. Accordingly, radicant can neither guarantee nor warrant and represent the preservation (or even the increase) of the published values.

You should not make any (investment) decision solely based on the Financial Information provided on the Website. You remain responsible for obtaining sufficient information about specific investment products and financial instruments.

Investments in financial instruments can be speculative and involve both losses and gains.

In particular, Your capital may be at risk by entering into any investment displayed on the Website. You are aware of these risks.

Investments in financial instruments should only be made after a detailed examination of all information relevant to the investment of such financial instruments and all legal information contained therein (e.g., prospectus, key information document, annual or semi-annual report, etc.).

radicant has no knowledge whatsoever of Your specific investment objectives, Your financial situation, or Your special financial needs. In particular, the Financial Information provided on the Website is in no event tailored to or oriented towards individual Users.

Therefore, You should consult Your financial advisor or bank before making any investment decisions or transactions involving financial instruments in order to carefully consider any circumstances regarding any legal, regulatory, tax or any other impact that might occur.

No advertising

The Website, including the Services and the Financial Information, does not constitute advertising for financial instruments within the meaning of the Swiss Financial Services Act (FINSA) and/or the Swiss Collective Investment Schemes Act (CISA). To the extent required under applicable regulations, any advertising of financial services and instruments according to FINSA by radicant will be separated from other Information and will be clearly indicated to You.

However, Financial Information provided by third parties, such as radicant partners, may contain advertising within the meaning of the FINSA or the CISA.

Responsibility for the content of any such advertising lies exclusively with the third parties. radicant neither assumes any responsibility for the respective content nor does it guarantee that the advertising corresponds to the official product information on a specific financial instrument (e.g., prospectus or key information document).

No guarantee, no representation or warranty and no liability regarding Financial Information radicant does not guarantee, represents and warrants or shall be liable for (i) the accuracy, completeness, availability, reliability or timeliness of any Financial Information provided: (ii) financial instruments being approved for sale and distribution or offer; (iii) the future performance of financial instruments: or (iv) any investment decision made or action taken by the User in reliance upon any Financial Information contained on the Website. The past performance of a financial instrument, investment product or investment strategy does not guarantee its future performance.

radicant is not obliged (and expressly disclaims any such obligation) to review, monitor, update or alter the Financial Information provided on the Website by third parties such as radicant partners and/or Users, including, without limitation, as to the accuracy and suitability of such information in the event that any guarantee, representation and warranty or liability arises by law despite this exclusion provision, radicant may in no event be held liable for the Financial Information reflected on the Website which remains in the sole responsibility of the third party providing the information. The exclusion of liability shall not apply in the event of (i) death or bodily injury; (ii) wilful intent or gross negligence; or (iii) where required by mandatory law.