Terms of use

 

The present terms and conditions were last updated on 18 october 2018.
Before continuing on to the website, please read the terms of use carefully.Your use of the FinMarie website constitutes your acceptance of the terms and conditions set forth below. If you do not agree to these terms and conditions, please do not go to the site, or access any page thereof.

Intellectual property rights
The FinMarie owns all copyright and other intellectual property rights in all content on this Website, in the underlying website code and in all content on its Social Media Sites, or has the permission of the owner of those rights to use the content on this Website or the Social Media Sites. The mention or display of trade-marks, trade names or service marks on this Website or any of the FinMarie’s Social Media Sites is not intended to, and will not, convey or create any license or other rights to use such names and marks.
The FinMarie Sites are protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in the FinMarie Sites, including any text, graphics, video, audio, software code, user interface design or logos.The FinMarie Sites are intended only for your personal, non-commercial use, unless you and FinMarie have agreed otherwise in writing.

Limitations on investment guidance and professional advice
The FinMarie Sites are not intended to provide legal, tax, investment or insurance advice. Nothing on the FinMarie Sites should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by FinMarie or any third party. Certain investment planning tools available on the FinMarie 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.

Third-party content and research
The FinMarie 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 FinMarie Entity (“Third Party Content”, like „growney“, „Sutor Bank“). Some Third Party Content may be provided by mutual fund companies whose shares are available for purchase by FinMarie customers. On the FinMarie Sites, the source of all Third Party Content is clearly and prominently identified. Third Party Content is available through framed areas, through hyperlinks to third party websites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to German laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited.
FinMarie 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.
All content on the FinMarie 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.

Your Access
In order to access certain features of FinMarie, you must register to create an account by Third Part – cooperation partner – growney (“growney account”). When you register, you will be asked to choose a password, which you will be required to use to access your growney account. FinMarie and growneyhas physical, electronic and procedural safeguards that comply with all standards to guard user and clients’ non-public personal information (see Privacy Policy).
You are responsible for safeguarding your password and other growney account information. You agree not to disclose your password to any third party and you will notify FinMarie and growney immediately if your password is lost or stolen or if you suspect any unauthorized use of your growney account. As a user you agree that you shall be solely responsible for any activities or actions under your growney account, whether or not you have authorized such activities or actions.
You agree that the information you provide to us on account registration through our website or mobile applications will be true, accurate, current, and complete.
FinMarie supports the two latest versions of these web browsers: Chrome, Internet Explorer, Firefox, and Safari. Due to the rapidly evolving nature of web technology, we cannot guarantee the accuracy or functionality of information or advice offered on finmarie.com unless viewed in a supported browser.

Alerts, Notifications and Service Communications
By creating a growney account, you automatically sign up for various types of alerts via e-mail and mobile notification. When logged in, you may customize, modify and in some cases deactivate alerts by adjusting the settings accordingly.
We never include your password in these communications, but we may include your name, or email address and information about your portfolio(s) if you are a client. You may unsubscribe from marketing oriented emails at any time.

Links to other websites or social media sites
Any hypertext links that are provided to other websites or social media sites are as a convenience only. The FinMarie does not endorse any statements that may be made or any services or products that may be mentioned or promoted on those websites or social media sites or license the use of any content on those websites or social media sites
FinMarie is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided on the site, whether these be actual, alleged, consequential or punitive. FinMarie provides no guarantees and makes no representations, and will not be responsible for any content delivered electronically by a third party, including with regard to the accuracy, object, quality or timeliness of any electronic content.
FinMarie prohibits anyone from putting in place such a link without obtaining its prior and express authorisation.
Information may be temporarily stored in your computer’s memory or on the hard drive (“cookies”). The user authorises FinMarie to resort to this practice, which is intended solely to facilitate navigation of the FinMarie website from the user’s computer (such information may be read by FinMarie during subsequent visits by the user to the website and includes the pages that the user has consulted, date and time of consultation, etc.). The user can, however, set their browser to prevent or refuse the installation of cookies, although this may prevent them from using certain features of the site.

Information cookies
The FinMarie website uses cookies. On consulting the website, cookies are installed on the Internet user’s computer, tablet or smartphone. The information below provides a better understanding of how cookies operate and how to use current tools in order to configure them.
Use of cookies is widespread on the Internet. A cookie is a small text file containing information, recorded on the hard disk of your terminal (e.g. computer, tablet, smartphone, etc.), when you consult a Website by virtue of your browser software. It is transmitted by the server of a Website to your browser. The cookie file allows its issuer to identify the terminal on which it is recorded for the validity or registration period of the relevant cookie. A cookie cannot be traced back to a natural person.

For information purposes only
The information contained in this website is not intended for distribution or use by any person or entity in a country or jurisdiction where such distribution or use would be contrary to legal and regulatory provisions, or which would require FinMarie or growney to comply with the registration procedures of said countries. Certain products or services may not be registered or authorised in all countries or available to all clients.
The data and information in this website is provided solely for information purposes. None of the information contained in this website constitutes an offer or solicitation by FinMarie or/and growney to provide investment advice or services, or to buy or sell financial instruments.
This website is not intended for or aimed at individuals who are subject to laws or regulations prohibiting the publication or access to the information contained in this website.
In all cases, persons who are subject to restrictions prohibiting the publication of or access to the information contained in this site are not permitted to access the information contained on this website and are encouraged to leave the site.

Product disclaimer
Past performance does not necessarily guarantee future results. Investing in funds entails risk, most notably the risk of capital loss. The value of an investment is subject to market fluctuation and may decrease or increase as a consequence. As a result, fund subscribers may lose part or all of their initial investment.
An investment may increase or decrease in value based on market fluctuations and changes in the exchange rate of the currency in which the product is invested when it differs from the investor’s currency. For some listed funds, currency risk may exist between the currency of the unit in which the unitholder is invested and the currency of the index components.
Investing in emerging countries entails particular considerations and risks, such as currency fluctuation, lower liquidity, less developed securities markets and political and social uncertainty.
Potential investors should acquaint themselves with the risks associated with investing in the funds by referring to the Risk profile section of the product’s full prospectus to determine whether the investment is appropriate for them and to ensure that they understand the content of this website in its entirety.
The amount that might be reasonably invested in a fund depends on each investor’s individual situation. To determine this amount, the investor should take into account their personal and family circumstances, their personal assets, their current and future needs and their preference for accepting risks or investing cautiously. Investors are also strongly advised to sufficiently diversify their investments so that they are not exposed solely to the risks of investing in a single fund. Investors should obtain information on this matter from their regular (legal, tax, financial or accounting) advisors before investing in a fund.

Specific disclaimer on ETFs
ETFs (exchange-traded funds, also referred to as trackers) may be subject to restrictions on individuals or countries under national regulations applicable to such individuals or countries. Investors are responsible for determining whether they are authorised to invest in these products.
ETFs are index funds that are listed and tradeable continuously on the market and that seek to replicate the performance of their benchmark index, both upward and downward.

DISCLAIMER OF WARRANTIES
FINMARIE DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE FINMARIE SITES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE FINMARIE SITES ARE MADE AVAILABLE TO YOU “AS IS” AND “AS AVAILABLE” AND FINMARIE DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED.
FINMARIE DOES NOT WARRANT THAT THE FINMARIE SITES WILL MEET YOUR NEEDS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. FINMARIE ALSO MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE FINMARIE 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 FINMARIE SITES WILL MEET YOUR EXPECTATIONS. THIS PROVISION MAY NOT APPLY TO PARTICIPANTS IN CERTAIN EMPLOYER-SPONSORED WORKPLACE SAVINGS PLANS.

LIMITATION OF LIABILITY
FINMARIE 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 FINMARIE SITES AND THIRD PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF FINMARIE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
FINMARIE WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH SUCH FINMARIE 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 STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR IF YOU ACCESS THE FINMARIE SITES SOLELY THROUGH AN ARRANGEMENT WITH YOUR EMPLOYER OR PLAN SPONSOR, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.