Terms and Conditions of Use

1. Information available on the site
1.1 Reliability of information and materials

The material available on the site whatever its nature (financial or other) is provided for information purposes only. This information is based upon sources of information which ING Private Banking believes to be reliable. However, no guarantee nor warranty of any kind, express or implied, is given by ING Private Banking as to the accuracy, up-to-date nature, completeness or, more generally, the quality or the reliability of the said information and no officers, directors or employees employed within ING Private Banking or any company on behalf of which the aforementioned persons provide any services, accept any liability or responsibility in respect of the information expressed herein. The information may originate from third parties, in which case ING Private Banking has no control over content thereof.

The information and materials contained in this site, as well as the present terms and conditions, may be withdrawn or modified by ING Private Banking or its third party suppliers at any time without prior warning. Any dated information is published as of its date only, or, if no date stated, from its first day of posting on the site. Neither ING Private Banking nor its third party suppliers do undertake any responsibility or obligation with regard to updating or modifying any information contained on this website. The products and services described, as well as any potential indication of fees, charges, rates or other, are mere indications and may vary among the geographic regions of ING Private Banking activities. At all times, your eligibility for particular products or services is subject to local regulations and to final ING Private Banking acceptance.

1.2. Absence of offers or advices

The information and prospectuses on this website should neither be regarded as an offer nor a solicitation to buy, sell or otherwise deal with any investment referred to herein. The information on this site is not and should not be in any way construed to be a legal, accounting or fiscal advice. The information on product and services may not be suitable or appropriate for a person's or entities' particular interest. Any specific investment needs, objectives or financial particularities have not been taken into account as all data is of a general and mere informative nature. It cannot appropriately substitute the knowledge and skills of the user. Please seek the advice of professionals as necessary regarding the evaluation of any content on this site.

1.3 Local regulatory restrictions

Neither the information provided on these website pages nor the products and services referred to are intended for distribution to or use by any person or entity in any country (including and in particular the United States, Canada, the United Kingdom and Japan) where the investment funds and services referred to are not authorised, registered or licensed for distribution or use according to the local applicable financial services laws and regulations. Site visitors from the jurisdictions in which the dissemination of information on the particular funds or services is submitted to authorisation, registration or licensing, in particular visitors from the U.S., Canada, the U.K. and Japan, are advised not to access this site.

1.4 Accuracy of information

While ING Private Banking uses reasonable efforts to include accurate and up-to-date information on this site, errors or omissions sometimes can occur. ING Private Banking expressly disclaims any liability whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with the access to or use of this site, whether or not ING Private Banking or any other entity of the ING Group of companies was aware of the possibility of such damages.

2. Hyperlinks

There may be links to other third party sites not controlled by ING Private Banking, ING Groep N.V. or its affiliates. A link to another site is meant for convenience only and does not imply that ING Private Banking endorses the site, its content or any of the products or services that it describes. You are advised that information on hyperlinked or referred-to websites is neither investigated nor analysed by ING Private Banking.
The access to and use of any of these third party sites is at the visitor's responsibility. ING Private Banking does not in any way accept any liability with regard to the content, services, products or materials offered on these sites, neither with regard to the integrity of these sites in relation to viruses or similar contaminations.

3. Access to the site

In so far as the site "www.ingprivatebanking.com" can be accessed from anywhere in the world, it is the responsibility of each individual or entity accessing this site to comply with the laws of the country in which they are resident and/or are using the service provided through this site and that individual or entity will bear any direct or indirect consequences resulting from non-compliance with these legal and regulatory requirements. ING Private Banking cannot under any circumstances be held liable for such violation.

ING Private Banking shall not be held liable in the event of problems attributable to the defective operation or poor configuration or general use of the visitor's computer equipment or where the computer equipment used by the visitor is not sufficiently powerful. ING Private Banking shall not be held liable for any loss or damage of whatever nature or cause that connection to the service and/or the use of any software thereon may cause to the visitor's computer equipment (hardware, software .) or to stored data. All information sent by ING Private Banking to visitors to its site or to its customers at their request shall be sent under their responsibility and at their risk and peril in accordance with their knowledge of the risks involved by using the internet network. In no circumstances shall ING Private Banking be held liable for poor reception or non-receipt of any information sent by it to visitors or to its customers or vice versa.

One should be aware that when using or accessing internet facilities data are transported over an open and worldwide network, accessible to all worldwide. Data are regularly transferred across international borders, even with regard to accessing local or national sites. The data processed over the internet network may be accessible to third parties.

4. Limited reliability

The attention of the users is particularly drawn to the fact that, in order to meet the requirements of some stock exchanges and for technical reasons, there may be delays, inaccuracies or omissions with regard to indexes, quotations or stock-exchange prices transmitted. No guarantee can be given, neither can any responsibility or liability of ING Private Banking be derived, as to the timeliness, accurateness or comprehensiveness of any such information transmitted, neither as to any decisions made or actions initiated in reliance of such information.

Performances in the past are not necessarily a guide to the future performances of products or services referred to in this site. The value of the products or services and their income generated may go down as well as up and is not guaranteed. Potential investors should be aware of additional risks associated with products which are investing in emerging and developing markets.

5. Intellectual property rights
5.1 Tradename and trademarks

"ING Private Banking" is the tradename used for the private banking activities conducted within the framework of ING Groep N.V. and its affiliates. The name "ING" is a trademark which is registered in the name of ING Groep N.V., a company under Dutch law whose head office is in the Netherlands, at Amstelveenseweg, 500, 1081 KL Amsterdam. The trademarks, service marks and logos ("marks") appearing on this site are the property of ING Groep N.V. or its affiliates. Site visitors are prohibited from using any of the marks without the prior written consent of the relevant ING company.

5.2 Copyright and property rights

Notwithstanding the above, the site content is protected by copyright. All copyright in the pages, site content and arrangement lies with ING Bank N.V. or its licensors. Site visitors are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any site content for any other purposes than that for which the content of this site is intended, i.e. providing information about ING Private Banking and its services and products. Any re-publication, re-sale or re-distribution, through whatever means, of any of the materials or information provided on this site requires the express and prior written consent of ING Private Banking.

Visitors of this site and/or customers of ING Private Banking shall not acquire any property right in respect of software, programs, information, applications or instructions made available to them by ING Private Banking. ING Private Banking only grants visitors of this site and/or customers of ING Private Banking a right of use. The visitor of this site and/or customer of ING Private Banking shall respect the rules of use issued by ING Private Banking and shall refrain from making any copies, downloads, modifications or adaptations and shall not make them available to third parties.

6. Miscellaneous
6.1 Compatibility with other agreements

In case of any inconsistency between the present Terms and Conditions of Use and any other specific Terms emitted or provided on behalf of ING Private Banking, the more specific terms shall prevail, unless otherwise stated. Any terms and conditions, detailed or not in an agreement, related to a particular product or service always prevail on the present Terms and Conditions of Use.

6.2 Severability

Should, at any given moment, any term, clause or condition of the present Terms and Conditions of Use become or be considered as illegal or invalid in accordance to the laws and regulations of any jurisdiction, all other terms, clauses or conditions of the present Terms and Conditions of Use shall remain enforceable without any impairment as regards their legality or validity.

6.3 Governing law and jurisdiction