Nectar Digital Wealth AG and its affiliates ("Nectar" or "we") provide its content on this website (the "Site") subject to the following terms and conditions (the "Terms"), which may be updated from time to time without further notice. By accessing and using this Site, you agree to abide by and be legally bound by these Terms.

1 Local Restrictions

Not all services and materials described on this Site are eligible for sale or available for use in all jurisdictions or to certain categories of investors. The Site is not intended for use by any person resident or located in a jurisdiction where the distribution of such information or provision of services are contrary to local laws.

2 Products and Services

This Site and its content are for information purposes only and do not take into account the particular needs, financial situation or investment objectives of a specific investor. The information and opinions expressed do not constitute an investment advice or recommendation and shall not be construed as a solicitation or an offer to buy or sell any financial instruments, to effect any transactions or to conclude any legal act of any kind whatsoever. Price information is indicative only. Any information including facts, opinions or quotations, may be condensed or summarized and is expressed as of the date of writing and may not be a complete statement of the products, services, markets or developments. The information may change without notice. Nectar is under no obligation to ensure that such updates are brought to your attention. The analyses are not and do not purport to be appraisals of any asset, business or any other entity nor does Nectar make any representations as to the legal, tax or accounting effects of investing in these products. Prospective investors should consult with legal, tax, accounting and other advisors and must read final offering and product documents prior to making a decision. The performance information presented including charts and tables include backtested performance. Backtested performance is hypothetical (it does not reflect trading in actual accounts) and is provided for informational purposes only to indicate historical performance had the strategies been available over the time periods noted. Backtested performance shown is not an indicator of future actual results. The results reflect performance of portfolios not historically offered to investors and do not represent returns that any investor actually attained. Backtested results are calculated by the retroactive application of portfolios constructed on the basis of historical data provided and based on assumptions integral to portfolio construction principals which may or may not be testable and are subject to losses. Investors may get back less than their investment. The price and value of investments mentioned and any income that might accrue could fall or rise or fluctuate. Foreign currency rates of exchange may adversely affect the value, price or income of any products. All statements of opinion and/or belief and all projections, forecasts or statements relating to expectations regarding future events or the possible future performance represent Nectar’s own assessment and interpretation of information available to it currently. No representation is made or assurance given that such statements, view, projections or forecasts are correct or that the objectives will be achieved. Nectar’s opinions and estimates constitute its judgment and should be regarded as indicative, preliminary and for illustrative purposes only. Information may be partly obtained from sources believed to be reliable but are not guaranteed as being accurate, exact, complete, appropriate or up to date. Investments may have no public market or only a restricted or illiquid secondary market giving rise to potential difficulties in valuing and disposing of such investments. Alternative fund strategies may include the use of leverage (borrowing) and derivative instruments resulting in respective risks of potential loss. Nectar and its affiliates, directors and employees may have or have had positions or holdings, or other material interest or effect transactions in the products. Nectar and its affiliates, directors and employees may be providing, or have provided advice or other investment services in relation to the investment concerned or a related investment to any company or issuer mentioned.

3 Use of Site Content

Nectar hereby grants the user a non-exclusive, non-transferable license to access, download or print a copy of the content displayed on the Site solely for its individual use, provided that the Site’s content and functionality are not modified in any way and that all copyright and other proprietary notices are retained. The user may not modify, copy, distribute, reproduce, transmit or create derivative works from this Site and any information published therein, including images, video clips, logos or text, without prior approval of Nectar.

4 Intellectual Property Rights

All content and functionality on the Site, including graphics, data icons, text and images and the selection and arrangement thereof, are the exclusive property of Nectar or third party owners. Trademarks, service marks, designs, and logos are the registered and unregistered trademarks of Nectar. Nectar retain all right and interest, including copyright, trademarks, patents or any other intellectual property rights. All rights not expressly granted are reserved.

5 Third Party Websites

As a convenience, the Site may provide third party content and links to third party websites, e.g., in instances of framing of third party websites or incorporation through framesets of content supplied by third party servers. Nectar has no control over and no responsibility for third party websites and its content, which are governed by the terms and policies, if any, of respective third party content provider.

6 User Postings and Social Bookmarks

You acknowledge and agree that Nectar shall own and have the unrestricted right to use or publish information that you submit on the Site in postings, responses and otherwise, and you hereby waive any claims against Nectar for any alleged infringements of any rights in connection with Nectar’s use and publication of such submissions. You covenant that you shall not publish on the Site any materials, links or statements that (a) are threatening, defamatory, or obscene; (b) would constitute or encourage a criminal offense, give rise to civil liability, or otherwise violate law; (c) infringe the intellectual property, privacy, or other rights of any third party; (d) contain a computer virus or other destructive element; (e) contain advertising; or (f) contain false or misleading statements. Nectar does not review all information posted by users and is not responsible for such information. Nectar reserves the right to refuse to post and the right to remove any information, in whole or in part. In addition, any comments or activity arising from persons using Social Bookmarks is not owned, controlled or monitored by Nectar.

7 Warranty and Liability

All content and functionality on the Site are provided "as is”. Nectar makes no representations or warranties of any kind, either express or implied, including, without limitation, warranties with respect to merchantability, fitness for a particular purpose, ownership, accuracy, timeliness, completeness or availability of the Site. Nectar is under no obligation to update the information and opinions contained herein. Nectar or its affiliates, directors and employees shall not be liable for any direct, indirect, incidental or consequential loss, cost, claim, expense or damages of any kind or for lost revenues or lost profits, whether or not advised of the possibility of such damages, whether in contract or in tort. No responsibility or liability is borne by Nectar with respect to any information published on linked web sites, contained in any user submissions, provided by third parties or based on the use of social bookmarks.

8 Notice of Infringement

Nectar prohibits the posting of any information that infringes or violates any intellectual property rights of any person or entity. If you believe that your intellectual property right is infringed by any content on the Site, please immediately inform Nectar with a written statement. Nectar will remove any posted submission that infringes intellectual property right of any person under Swiss law upon review of such statement, if held justified.

9 Governing Law; Jurisdiction

These Terms are governed by the substantive laws of Switzerland, excluding principles of conflict of laws. Place of jurisdiction is Zurich ZH, Switzerland.

Last updated in January 2020