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Terms of Service

Use of iBanking Capital sites

The iBanking Capital Sites are intended only for your personal, non-commercial use, unless you and iBanking Capital have agreed otherwise in writing.

 

Business Continuity

iBanking Capital is committed to providing continuous customer service and support; however, we recognize that there are potential risks that could disrupt our ability to serve you. We have implemented a business continuity management program with a strong governance model and commitment from senior management. 

Commitment to Integrity

Honesty, integrity and personal responsibility are the longstanding foundations ofiBanking Capital’s business practices. iBanking Capital is committed to these principles and to conducting its business in compliance with all applicable laws and regulations. All of iBanking Capital’s officers, directors, employees, and agents are prohibited from engaging in bribery, corruption or other illegal activities. This prohibition applies to interactions with government officials, customers, vendors, and other business partners. In addition, iBanking Capital has established an anti-corruption compliance program that is reasonably designed to comply with applicable anti-corruption laws wherever it conducts business.

  

Mutual funds

You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $100.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. iBanking Capital Investments and its affiliates, the fund’s sponsor, have no legal obligation to provide financial support to money market funds and you should not expect that the sponsor will provide financial support to the fund at any time.

Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact iBanking Capital for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

 

Information for foreign investors

The iBanking Capital Sites are intended to be made available only to individuals in the Switzerland, and the information on the iBanking Capital Sites is only for such persons. Nothing on the iBanking Capital Sites shall be considered a solicitation to buy or an offer to sell a security, or any other product or service, to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

 

Broker-dealer's potential conflicts

As a broker-dealer, iBanking Capital or its affiliates may act as principal for its own account or as agent for its customers in connection with the sale to you or purchase by you of a security that is the subject of content prepared by iBanking Capital. If it receives a mark-up or commission or acts as agent for another person in connection with any such transaction, iBanking Capital may have a potential conflict of interest. You understand this potential conflict and acknowledge that you may choose to effect securities transactions at another broker-dealer.

 

Limitations on investment guidance and professional advice

The iBanking Capital Sites are not intended to provide legal, tax, investment or insurance advice. Nothing on the iBanking Capital Sites should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by iBanking Capital or any third party. Certain investment planning tools available on the iBanking Capital Sites may provide general investment education based on your input. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or tax professional regarding your specific situation.

 

Copyright policy, linking policy and trademarks

The iBanking Capital Sites are protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in the iBanking Capital Sites, including any text, graphics, video, audio, software code, user interface design or logos.

Unless you and iBanking Capital have agreed otherwise, links from another web site to a iBanking Capital Site must resolve to the top-level homepage of a iBanking Capital domain. In order to avoid confusion if you do link from another web site to a iBanking Capital Site top-level homepage, your web site, and the link itself, may not suggest that iBanking Capital endorses, sponsors or is affiliated with any non-iBanking Capital web site, entity, service or product, and may not make use of any iBanking Capital trademarks or service marks other than those contained within the text of the link.


Third-party content and research

The iBanking Capital Sites include general news and information, commentary, interactive tools, quotes, research reports and data concerning the financial markets, securities and other subjects. Some of this content is supplied by companies that are not affiliated with any iBanking Capital Entity ("Third Party Content"). Some Third Party Content may be provided by mutual fund companies whose shares are available for purchase by iBanking Capital customers on the FundsNetwork® or other platform. On the iBanking Capital Sites, the source of all Third Party Content is clearly and prominently identified. Third Party Content providers include, but are not limited to, CNN Money, Dow Jones, MarketWatch, and Reuters. Third Party Content is available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to United States laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited.

iBanking Capital has not been involved in the preparation, adoption or editing of Third Party Content and does not explicitly or implicitly endorse or approve such content. The Third Party Content providers do not implicitly or explicitly endorse or approve the Third Party Content, nor do they give investment advice, or advocate the purchase or sale of any security or investment.

While iBanking Capital makes every attempt to provide accurate and timely information to serve the needs of users, neither iBanking Capital nor the Third Party Content providers guarantee its accuracy, timeliness, completeness or usefulness, and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. Third Party Content is provided for informational purposes only and iBanking Capital and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the site. You will use Third Party Content only at your own risk. THE THIRD PARTY CONTENT IS PROVIDED ON AN "AS-IS" BASIS. THE THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

THE THIRD PARTY CONTENT PROVIDERS AND THEIR PARENTS, SUBSIDIARIES, AFFILIATES, SERVICE PROVIDERS, LICENSORS, OFFICERS, DIRECTORS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE USE OR THE INABILITY TO USE THE THIRD PARTY CONTENT, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

In order to comply with applicable laws and regulations, iBanking Capital may at times exclude content with respect to securities of issuers which are the subject of public offerings made available to iBanking Capital's brokerage customers, or otherwise. Certain other content filtering may take place from time to time based on objective criteria.

"CUSIP" identifiers have been provided by CUSIP Global Services, managed on behalf of the American Bankers Association by Standard & Poor’s Financial Services, LLC, and are not for use or dissemination in a manner that would serve as a substitute for any CUSIP service. The CUSIP Database, © 2010 American Bankers Association. "CUSIP" is a registered trademark of the American Bankers Association.

 

Timeliness of content

All content on the iBanking Capital Sites is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

 

Prohibited uses

Because all servers have limited capacity and are used by many people, do not use iBanking Capital Sites in any manner that could damage or overburden any iBanking Capital server, or any network connected to any iBanking Capital server. Do not use iBanking Capital Sites in any manner that would interfere with any other party's use of the iBanking Capital Sites.

 

Means of access

The iBanking Capital Sites are generally intended to be viewed by a conventional web browser with a screen resolution of 800 by 600 pixels or greater. Although you may use other means to access the iBanking Capital Sites, be aware that the iBanking Capital Sites may not appear accurately through other access methods, and you use them only at your own risk.

You should not access the iBanking Capital Sites through devices or services that are designed to provide high-speed, automated, repeated access, unless such devices are approved or made available by iBanking Capital.

Certain parts of the iBanking Capital Sites are protected by passwords or require a login. You may not obtain or attempt to obtain unauthorized access to such parts of the iBanking Capital Sites, or to any other protected materials or information, through any means not intentionally made available by iBanking Capital for your specific use.

Links provided on iBanking Capital sites to mutual fund prospectuses may resolve to the fund's summary prospectus, if available, or alternatively to the fund's full prospectus.

 

Password security and notification

If you have a password for access to non-public areas of the iBanking Capital Sites, you are solely responsible for maintaining the confidentiality and use of the password and other security data, methods and devices. Further, you are responsible for all activities that occur in connection with your password including all instructions electronically transmitted or use of any data, information or services obtained using your password and other security data. iBanking Capital shall not be under any duty to inquire as to the authority or propriety of any instructions given to iBanking Capital by you or via your password and shall be entitled to act upon any such instructions and iBanking Capital will not be liable for any loss, cost, expense or other liability arising out of any such instructions. Accordingly, you should take steps to protect the confidentiality of your password. As an authorized user you accept full responsibility for the monitoring of your account including frequently checking your account information, reviewing your transaction history online and promptly reviewing any correspondence, account statements and confirmations received from iBanking Capital. Notify iBanking Capital immediately if you become aware of any unauthorized activity, disclosure, loss, theft or unauthorized use of your password. You agree to cooperate with iBanking Capital in any investigation and agree to take corrective measures to protect your account from further fraudulent activity.

 

DISCLAIMER OF WARRANTIES

  • iBanking Capital DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE iBanking Capital SITES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE iBanking Capital SITES ARE MADE AVAILABLE TO YOU "AS IS" AND "AS AVAILABLE" AND iBanking Capital DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED.
  • iBanking Capital DOES NOT WARRANT THAT THE iBanking Capital SITES WILL MEET YOUR NEEDS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. iBanking Capital ALSO MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE iBanking Capital SITES WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE iBanking Capital SITES WILL MEET YOUR EXPECTATIONS. THIS PROVISION MAY NOT APPLY TO PARTICIPANTS IN CERTAIN EMPLOYER-SPONSORED WORKPLACE SAVINGS PLANS.

 

LIMITATION OF LIABILITY

  • iBanking Capital WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE iBanking Capital SITES AND THIRD PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF iBanking Capital HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
  • iBanking Capital WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH SUCH iBanking Capital DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.
  • IF YOU LIVE IN A UNITED STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR IF YOU ACCESS THE iBanking Capital SITES SOLELY THROUGH AN ARRANGEMENT WITH YOUR EMPLOYER OR PLAN SPONSOR, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

 

Indemnification

As a condition of your use of the iBanking Capital Sites, you agree to indemnify and hold iBanking Capital and its Third Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of the iBanking Capital Sites, or from your violation of these Terms. This provision may not apply to participants in certain employer-sponsored workplace savings plans.

 

Changes to iBanking Capital sites

Unless otherwise agreed, iBanking Capital may discontinue or modify the iBanking Capital Sites at any time without prior notice to you, and you accept those modifications if you continue to use the iBanking Capital Sites.

 

Termination

iBanking Capital may terminate your access to the iBanking Capital Sites for any reason, without prior notice.

 

Governing law

Unless otherwise agreed, these Terms and their enforcement are governed by the laws of the Commonwealth of Lucerne, without regard to conflicts of law, and shall inure to the benefit of iBanking Capital's successors and assigns, whether by merger, consolidation, or otherwise. This provision may not apply to participants in certain employer-sponsored workplace savings plans.

 

Severability

If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

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