Please read these conditions for use carefully. Unfortunately, we are compelled to request you for legal reasons to leave our Internet pages if you cannot observe these rules. The same applies if you are subject to a law (for example on account of nationality, residence or place of stay) which forbids the use of or visit to these Internet pages or parts of them. This applies for example to people resident in or visiting the USA.

• Intellectual property
  Except for references expressly to the contrary, all data, works, inventions, designs, concepts, ideas and other elements of these Internet pages (hereinafter called "Intellectual Property") belong exclusively to HSBC Guyerzeller Bank AG, Zurich (hereinafter called "the Bank") or a company within the HSBC Group, or a third party licensed by the Bank or the HSBC Group. A use of the Intellectual Property including for personal purposes, is prohibited. Excepted from this, is personal, non-commercial viewing of the Internet pages by means of commercially available and non-modified browser software, as well as the preparation of a single print on paper solely for personal use. The Bank and/or third parties authorised by it and/or third parties who have suffered damage are in the case of infringement also entitled to judicial enforcement and restitution of the legal status in addition to any claim for compensation.
• No offer
  These Internet pages do not represent an invitation to treat of any kind whatsoever. In particular, neither securities nor derivatives, nor other investments are offered or recommended for purchase.
• No advice
  News, references, opinions, prices, data or other information on these Internet pages are always to be understood as being general and not binding. They may be altered and/or removed at any time and without prior notice. The information which may be called from these Internet pages must never be taken to be investment recommendations and/or serve as a basis for investment decisions.
• No guarantee for contents
  All contents of the Internet pages, as for example, information, analyses, prices, calculations etc. are supplied without guarantee. They are always to be considered as unsecured and are based in part on information provided by third parties which is similarly supplied without guarantee. In the absence of express indication to the contrary, prices on the Internet pages are always published after a time-lag. Furthermore, the prices do not constitute a sufficient basis for evaluating investments and certainly not for assessing future performance.
• No confidentiality
  Communication over the areas of the Internet pages which are accessible by the public at large (for example, with a web form) is made uncoded over the Internet and may be read with simple technical means by third persons, and are clearly related not only to the sender but also to the recipient. The same applies to the delivery of an e-mail to the Bank. It is therefore strongly inadvisable to communicate confidential information to the Bank or to third parties over the Internet pages or by e-mail. For legal reasons, no account can be taken of instructions from customers received by e-mail.
• No guarantee for availability
  Availability of the Internet pages or of certain parts thereof is at no time guaranteed. The Bank may limit availability of the Internet pages at any time for particular or unlimited periods and/or alter or remove the contents.
• No liability
  All liability of the Bank arising in connection with use of the Internet pages or connected with offers made by third parties via links with the Internet pages, is excluded.
• Applicable law
  In as far as a contractual relationship should arise at all between you and the Bank, it shall be governed solely by the laws of Switzerland.