Terms of Use

1. Consent

By accessing the St.Galler Kantonalbank AG website and its external Internet links, you declare that you understand the legal notices and terms of use below and that you accept these in full. If you have not understood or do not accept one or more of these rules, please exit the St.Galler Kantonalbank AG website.

2. Ownership / copyright

The entire content of the St.Galler Kantonalbank AG website is protected by copyright (all rights reserved) and is the property of St.Galler Kantonalbank AG.
No rights pertaining to the acquisition of software, trademarks or elements on the St.Galler Kantonalbank AG website are conferred by downloading or printing out elements from the St.Galler Kantonalbank AG website. The copyright notices and trademarks may not be modified or removed.

The complete or partial reproduction of elements of the St.Galler Kantonalbank website, regardless of format (particularly electronic or in printed), is only permitted with full citation of the source («St.Galler Kantonalbank AG»). Any publication of reproduced elements from the St.Galler Kantonalbank AG website is only permitted following prior written authorisation by St.Galler Kantonalbank AG and with full citation of the source. To this end, please contact web@sgkb.ch.

3. Limited access

The website of St.Galler Kantonalbank AG is intended solely for persons that are resident in or have their registered office in Switzerland. Persons subject to a jurisdiction that prohibits access to the website of St.Galler Kantonalbank AG for whatever reason (for example place of residence or domicile, nationality) are not permitted to access. In particular, this applies for citizens and residents of the USA, United Kingdom, Japan and the Cayman Islands. Furthermore, some services and products described on the website of St.Galler Kantonalbank AG are subject to restrictions on the basis of place of residence, domicile, nationality or client segment. Therefore services and products may not be permissible or suitable for all persons.

4. No product offering / No advice

The content of the St.Galler Kantonalbank AG website is for information purposes only. It does not constitute an invitation, an offer or a recommendation to buy or sell investment instruments or to conduct any other transactions.
The St.Galler Kantonalbank AG website does not serve as advice on investments or any other matter. Information available on the St.Galler Kantonalbank AG website is unsuitable as a basis for decisions in legal, tax-related or other issues. Please contact a qualified expert for advice on making any such decisions.

5. No orders

St.Galler Kantonalbank AG states expressly that St.Galler Kantonalbank AG is not obliged to take orders for business transactions such as payment orders, stock exchange orders, account opening or closing, address changes or other business activities transmitted to St.Galler Kantonalbank AG via the St.Galler Kantonalbank AG website. An exception is made where you have made special arrangements with St.Galler Kantonalbank AG.

6. No guarantee

St.Galler Kantonalbank AG takes all reasonable care to ensure that the information presented is correct and precise. Nevertheless, St.Galler Kantonalbank AG does not guarantee (either expressly or tacitly) the correctness, precision, completeness, truth or timeliness of the information and opinions published on the St.Galler Kantonalbank AG website. In particular, St.Galler Kantonalbank AG is in no way obliged to update or remove outdated information or opinions on the St.Galler Kantonalbank AG website or to mark them as such. The information and opinions contained on the St.Galler Kantonalbank AG website may be modified at any time without notice.
Furthermore, St.Galler Kantonalbank AG denies responsibility and does not guarantee that the functions on the St.Galler Kantonalbank AG website are error-free or uninterrupted, that errors will be fixed or that this website or the relevant servers are free of harmful elements (such as viruses, in particular).

7. Liability limitations

St.Galler Kantonalbank AG is not liable for any losses or damages under any circumstances, including any degree of negligence; these include (unreservedly) any direct or specific indirect consequential damages resulting from or in conjunction with access to or use, service or querying of the St.Galler Kantonalbank AG website or any links to other websites, even if St.Galler Kantonalbank AG was informed of the possibility of such damages.

8. Links to other websites

If you activate certain, external links (signed as «Icon einfügen») on the St.Galler Kantonalbank AG website, you may find that you leave the St.Galler Kantonalbank website. St.Galler Kantonalbank AG has not tested the sites linked to the St.Galler Kantonalbank AG website and does not take any responsibility for their content, or for the products, services or other offerings provided on them.

9. Investment funds

The investment funds of St.Galler Kantonalbank AG are currently permitted in several countries. Persons domiciled in a country in which publication of or access to information on St.Galler Kantonalbank AG funds is prohibited by prevailing local legislation may not access this information.

10. Performance

The future performance of investment assets cannot be derived from past prices shown on the St.Galler Kantonalbank AG website, i.e. the value of your investment may go down as well as up.

11. Taxes

Please consult with your tax advisor for details of the tax laws in the investor's domicile governing the holding of or the buying/selling of equities, fund units and other investment products and the relevant impact on taxation.

12. Data protection

Information on data protection and the use of Google Analytics is available on the following page.

12. Changes in terms of use

St.Galler Kantonalbank AG reserves the right to modify these terms of use from time to time. We therefore request that you read these terms of use each time you access the St.Galler Kantonalbank AG website and check that you accept the new version. If you have not understood or do not accept one or more rules in the updated terms of use, please exit the St.Galler Kantonalbank AG website.

13. Applicable law

If a legal relationship between the user and St.Galler Kantonalbank AG results from the use of the St.Galler Kantonalbank AG website, this is subject to Swiss law. The exclusive place of jurisdiction is St.Gallen.

Contact

St.Galler Kantonalbank Ltd.
St. Leonhardstrasse 25
9001 St. Gallen

T +41 (0)71 231 31 31 
E-Mail

BIC/Swift: KBSGCH22
Postal account: 90-219-8
Clearing-No.: 781