Terms and Conditions

By accessing this website you confirm that you have read, understood and accepted the following terms and conditions. If you do not accept these terms and conditions, you are not allowed to use our website and consume any information contained herein.

Your access to our website is also conditioned on your acceptance of our Privacy Policy which describes our policies and procedures on the collection, use and disclosure of your personal information. The Privacy Policy also inform you about your privacy rights and how the law protects you.

Definitions

• You – refers to the individual using this Website, or the legal entity on behalf of which an individual is using the Website, as applicable.
• We/Us/Our – refers to B&I Capital AG, Talacker 35, 8001 Zürich, Switzerland.
• Website – refers to the B&I Capital website, accessible from bnicapital.com and bnicapital.ch.

Website Target Group

This website is only addressed at qualified investors within the meaning of the Swiss Collective Investment Schemes Act (CISA) as well as at professional investors whose registered office is in countries in which the publication of and access to the content of our website is not prohibited, and our investment funds are authorised for distribution.

The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution, publication or use would be contrary to local law or regulation or where we do not hold any necessary registration or licence. Natural and legal persons who are prohibited, whether on grounds of nationality or residence or other grounds should not access or use this website.

This website is not addressed at US persons (as defined in the United States Securities Act 1933). Units of the investment funds that we manage may not be offered, sold or otherwise transferred within the United States or to or for the account or benefit of US persons (as defined in the United States Securities Act 1933).

No recommendation and no offer to subscribe

All information on this website, including all financial information is provided for information purposes only and does not constitute a recommendation for investment nor an offer to subscribe, buy, hold or sell units of funds. No investment advice is provided.

No financial research

Any content on the News & Insights section is for informational purposes only. The News & Insights section does not constitute financial research and does not represent an offer or an invitation for an offer to subscribe, buy, hold or sell financial products. They are not prepared in accordance with the legal provisions to ensure the independence of financial research. The statements and opinions included therein represent the personal views of the author at a given point in time; these may be changed at any time without prior notice.

Risks

Past performance may not be a reliable guide to current or future performance. The development (performance) of mutual fund units, stocks, bonds, precious metals, and any other forms of investments are subject to fluctuations which depend on several factors and which cannot be determined in advance. Specifically, the value of your investment may rise above or fall below your purchase price at any time. There is no guarantee that you, the investor, will get your initially invested capital back.

Investments in equities (stocks) contain an increased risk of fluctuations which may negatively affect the value of your investment. In addition, you may be exposed to other risks such as currency risks, issuer risk and market risks. Utilising derivative instruments may increase your risk even further. Furthermore, investments are subject to general risks which may affect your investments positively or negatively such as overall stock market risks, overall bond market risks. Additionally, specific risks may affect your investments such us interest rate risks, credit risks, volatility risks, currency risks and political risks, default risks, embargo risks and exchange control risks. Each of these risk factors may occur alone or combined. It is important to note however, that further risks not mentioned here may occur as well.

It is the responsibility of potential investors to be aware of the risks involved in any investment and only decide upon any investment engagement after having consulted their legal advisor, tax advisor, financial advisor, auditor or any other professional advisor and having been fully informed about the suitability of such investments in respect to your risk tolerance, personal financial situation and tax consequences.

Accuracy of information

While we uses all necessary steps to ensure that the information contained herein is accurate, correct and timely, and gathered to the best of our knowledge, we do not guarantee its completeness, accuracy and truth. We therefore bear no responsibility for any errors or omissions. Should you have any doubts or if you want to rely on the information herein, it is your responsibility to verify it yourself or consult your investment advisor. We are neither obliged to rectify possibly false information mentioned, inform you about errors and omissions, nor to update any information and data on this website and in its brochures (physical or downloadable).

We are not responsible for any outside fraudulent manipulation of this website and cannot be held accountable for any damages resulting thereof. We can add, delete, and modify information and pages on this website at any time without informing you.

Links to other websites

Our website may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such websites. Specifically, any opinions of investments stated on linked third-party websites should not considered to be our opinion.

Security

Although we use a variety of industry-standard security technologies and procedures to help protect your personal data from unauthorized access, no method of transmission over the internet or electronic storage is completely secure. We do not bear any responsibility for damages of any kind resulting from the use of this website.

Applicable law and place of jurisdiction

This website is governed by the laws of Switzerland. Only Swiss courts will have jurisdiction on disputes resulting from the use of this website.

Changes to the Terms & Conditions

We reserve the right to modify the Terms & Conditions at any time. By continuing to use our website after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, you are not allowed to continue using our website.

How to contact us

If you have any questions about our Terms & Conditions, please do not hesitate to contact us:

• Email us at: contact@bnicapital.com
• Call us at: +41 44 215 2888
• Or write to us at: B&I Capital AG, Talacker 35, 8001 Zürich, Switzerland