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Terms and Conditions of Use

Applicable terms and conditions of use and legal notices for the services you wish to use.

By accessing the website of Zürcher Kantonalbank (hereinafter referred to as the "ZKB website") and the services, information, opinions, documents, functions, etc. contained or described therein (hereinafter referred to as "information"), you hereby declare that you have understood and accepted the following terms and conditions of use and the respective legal notices. Therefore, please also read the additional legal notices for the services you wish to use.

The terms and conditions of use, the additional legal notices and all information on the ZKB website may be amended at any time without prior notice. We therefore recommend reading the latest version at regular intervals.

Addressees

The ZKB website is intended solely for natural and legal persons who are resident in or have their registered office in Switzerland. In particular, the ZKB website is not intended for any natural or legal person who is subject to a jurisdiction that prohibits the publication of or access to the ZKB website (due to the nationality of the person concerned, their place of residence or registered office, or on other grounds). Any persons to whom such restrictions apply are not permitted to access the ZKB website. Specifically, the information contained in the ZKB website may not be distributed and/or redistributed to citizens of the United Kingdom (UK) or US persons as defined in Regulation S of the US Securities Act of 1933.

Reservation of all intellectual property rights

"Zürcher Kantonalbank", "ZKB" and the Zürcher Kantonalbank logo are registered trademarks of Zürcher Kantonalbank. No element of the ZKB website is designed to confer a licence or right to use any registered trademark, logo or image.

All information on the ZKB website is owned exclusively and entirely by Zürcher Kantonalbank unless otherwise indicated. The information may be freely used for private purposes only. Any full or partial republication, modification, linking, transmission or reproduction of the information is prohibited without the prior written consent of Zürcher Kantonalbank.

Downloading or copying the ZKB website does not confer any rights in respect of the software or information on the ZKB website. Zürcher Kantonalbank reserves all intellectual property rights (in particular copyrights and trademarks) in respect of all information and documents on the ZKB website and will take all measures required to enforce these rights.

No offers

The information published on the ZKB website is not intended to solicit offers, nor does it constitute an offer or recommendation to purchase or sell investment instruments or to conduct or conclude any other kind of transaction or legal act. The fact that you are accessing the ZKB website does not make you a client of Zürcher Kantonalbank.

No orders

Zürcher Kantonalbank expressly declares that it is not obliged to execute or accept orders, cancellations of orders or authorisations for business operations such as payments, investment transactions, opening or closing of accounts, freezing of accounts or credit cards, changes of address or other business activities transmitted via the ZKB website. This is subject to any special agreements between you and Zürcher Kantonalbank or specific contact opportunities (such as order forms).

Exclusion of warranty and liability

The opinions and assessments expressed on the ZKB website reflect the view of Zürcher Kantonalbank at the time of publication and do not constitute a legal, tax or other recommendation of either a general or specific nature. Zürcher Kantonalbank offers no warranty regarding the information published on the ZKB website. Zürcher Kantonalbank reserves the right to amend or delete the information on the ZKB website at any time without notice.

The information on the ZKB website is offered "as is" and "as available". Zürcher Kantonalbank provides no guarantees whatsoever that access to the ZKB website will be uninterrupted and error-free, that any errors will be rectified or that viruses or other dangerous components will not be transmitted when using the ZKB website.

To the extent permitted by law, Zürcher Kantonalbank accepts no liability whatsoever for loss or damage or consequential damage arising as a result of using or accessing the information on the ZKB website or clicking on links to third-party websites (or as a result of an inability to use or access such information). This non-liability also applies for loss or damage or consequential damage arising as a result of third parties manipulating the ZKB website.

Information on the use of tracking technologies (cookies) and data protection

When you visit the ZKB website our web server automatically records certain details of your visit (such as your IP address, the website you are coming to us from and the ZKB website you are visiting, including the date and duration of your visit). Tracking data is used to optimise the content of the ZKB website and provide information about users' surfing behaviour. However, it does not allow you to be identified. By using the ZKB website you declare your agreement to the use of cookies for the above purposes. You may decide to stop the use of cookies at any time by deleting the cookies created by the ZKB website. This can be done by deleting all cookies via the settings in your web browser.

If you provide us with your personal data (such as your name, gender, address, e-mail, telephone or fax number) via the ZKB website using a form or other method, Zürcher Kantonalbank may use this data for the following purposes:

  • Client and user administration.
  • Internal marketing purposes and to keep you informed about our products and services.
  • Technical management and development of the ZKB website.
  • Other purposes to be specified.

By providing your personal data you declare your agreement to its use for the above purposes.

Within Zürcher Kantonalbank, both physical and electronic, process-specific security precautions are taken to ensure your personal data is transmitted and stored in a protected environment. These include the use of firewalls, personal passwords and encryption and authentication technologies. We take all appropriate measures to ensure that access to personal data is limited to those employees and service providers who need it with regard to the above purposes. Employees and service providers are required to treat the information as confidential and use it solely for the purposes for which they are given access to it. We will only disclose your data to other third parties if forced to do so on the basis of statutory or regulatory provisions.

We store your personal data in accordance with applicable data protection laws.

Security of data transmission

When you visit the ZKB website your data is transmitted over the internet, an open network that is accessible to everyone. Data that you transmit to Zürcher Kantonalbank via electronic media (such as e-mail, SMS, etc.) or have transmitted to you by Zürcher Kantonalbank is generally not encrypted. This involves the following specific risks:

  • Even if the sender and recipient are in Switzerland, data may be transmitted abroad on an uncontrolled basis via countries whose data protection laws are not comparable to those of Switzerland.
  • The identity of the sender (e-mail address, for example) and the content of the message may be simulated or otherwise manipulated by unauthorised persons.
  • Electronic messages may contain malware that is executed when the message is read and may cause substantial damage. To prevent viruses we recommend using the latest versions of browsers and installing continually updated anti-virus software.
  • The exchange of information may be delayed or interrupted by transmission errors, technical faults, interruptions, malfunctions, illegal interference, network overload, malicious blocking of the network by third parties, or other deficiencies.

Links to other websites

The ZKB website may contain third-party content or links to third-party websites. Links from the ZKB website to third-party websites are provided solely for the purposes of user-friendliness. Zürcher Kantonalbank has no influence over these third-party websites and therefore accepts neither liability nor responsibility whatsoever for the accuracy, quality, completeness and legality of their content or for any offers and services contained therein. Clicking on links to third-party websites and accessing these websites is at the user’s own risk.

Last updated: May 2014


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