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Terms of Use and Privacy Policy

If you do not agree to these Terms of Use, do not proceed to further web pages of the J-O Website.
These Terms of Use as well as the information and materials contained in the J-O Website are subject to change from time to time without notice.

Access Subject to Local Restrictions
The J-O Website and all information and functionality contained within it are not directed at or intended for use by any person resident or located in any jurisdiction where (1) the distribution of such information or functionality is contrary to the laws of such jurisdiction or (2) such distribution is prohibited without obtaining the necessary licenses or authorisations by the relevant branch, subsidiary or affiliate office of J-O and such licenses or authorisations have not been obtained.
Services and Products
Products and services displayed on the J-O Website may not be eligible for sale or available to residents of certain countries or certain categories of investors. Please consult the applicable terms and conditions such as sales restrictions or key specific notes for further information.
Any materials available on the J-O Website have no regard to the specific investment objectives, financial situation or particular needs of any specific recipient. Any report available on the J-O Website is published for information purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Unless specifically stated otherwise, all price information is indicative only. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the materials, nor are they a complete statement of the securities, markets or developments referred to herein. The materials should not be regarded by recipients as a substitute for the exercise of their own judgement. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or groups of J-O as a result of using different assumptions and criteria. J-O is not under any obligation to update or keep current the information contained herein.
No Offer
The information contained in the J-O Website is just for informational purposes. No information published on the J-O Website constitutes a solicitation, an offer, or a recommendation to buy or sell any investment instruments, to effect any transactions, or to conclude any legal act of any kind whatsoever.
J-O does not intend to provide investment, legal or tax advice through the J-O Website and does not represent that any securities or services discussed are suitable for any investor.
When making a decision about your investments, you should seek the advice of a professional financial advisor.
Forward Looking Statements
The J-O Website may contain statements that constitute "forward looking statements". While these forward looking statements may represent J-O’ judgment and future expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from J-O’ expectations. J-O is under no obligation to (and expressly disclaims any such obligation to) update or alter its forward looking statements whether as a result of new information, future events, or otherwise.
No Warranty
The information and materials contained on the J-O Website are provided "as is" and "as available". J-O makes no representations or warranties of any kind, either express or implied, with respect to the information and functionality contained in the J-O Website, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, J-O does not warrant the accuracy, timeliness, completeness, reliability or availability of the J-O Website or the information or results obtained from use of the J-O Website, or that the J-O Website is virus-free or error-free.
No Liability
To the fullest extent permitted by law, in no event shall J-O or any of its directors, employees or agents have any liability whatsoever to any person for any direct or indirect loss, liability, cost, claim, expense or damage of any kind, whether in contract or in tort, including negligence, or otherwise, arising out of or related to the use of all or part of these web pages, even if J-O has been advised of the possibility of the same.
The J-O Website may contain third party content or links to third party websites. These content and links are provided solely for your convenience and information. J-O has no control over, does not assume any responsibility for and does not make any warranties or representations as to, any third party content or websites, including but not limited to, the accuracy, subject matter, quality or timeliness. J-O shall have no liability for third party content or websites or websites linking to or framing the J-O Website.
Social Bookmarks
The J-O Website may contain Social Bookmarks which are identifiable by means of respective buttons. Social Bookmarks allow users of certain social media platforms to post links of selected J-O web pages on their corresponding social media profile in order to bookmark them or share them with their social media contacts. If you use Social Bookmarks you will be sending identifying data to the respective social media platform. Any comments or activity arising from persons using Social Bookmarks is not controlled, endorsed or monitored by J-O and J-O shall not be responsible or liable for such. Persons who share J-O communications via Social Bookmarks are not authorized to speak for or represent J-O and their views and opinions must be regarded as strictly their own and not J-O's. In addition, the provisions in these Terms of Use relating to Links also apply to Social Bookmarks.
Intellectual Property Rights
J-O, or the applicable third party owner, retains all right, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other right) in all information and content (including all text, data, graphics and logos) on the J-O Website. Individual pages and/or sections of the J-O Website may be printed for personal or internal use only, and provided that such print outs retain all applicable copyright or other proprietary notices. All users must not, without limitation, modify, copy, transmit, distribute, display, perform, reproduce, publish, license, frame, create derivative works from, transfer or otherwise use in any other way for commercial or public purposes in whole or in part any information, text, graphics, images, video clips, directories, databases, listings or software obtained from the J-O Website without the prior written permission of J-O. Systematic retrieval of content from the J-O Website to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) or creating links to the J-O Website without written permission from J-O is prohibited.
The key symbol and J-O are among the registered and unregistered trademarks of J-O. Other marks may be trademarks of their respective owners. Except as noted above, you may not use any trademarks of J-O for any purpose without the written permission of J-O.
Electronic Communication (E-Mail)
The Internet is an universally accessible medium. Ordinary E-mail messages sent over the Internet are neither confidential nor secure. They may be viewed by third parties, lost, intercepted or altered. E-mails may circulate across national borders, even if both sender and recipient are located in the same country.
You are therefore recommended to communicate with J-O by using a secure channel if such channel is provided by J-O. In no event should you use ordinary E-mail to transmit personal or confidential information such as any account related data.
Unless explicitly stated otherwise, J-O does not accept any orders or instructions sent by E-mail or any other electronic messaging system.
J-O shall not be liable to you or anybody else for any damages incurred in connection with any messages sent to J-O using ordinary E-mail or any other electronic messaging system.
Severability Clause
To the extent that any provision of these Terms of Use is found by any competent court or authority to be invalid, unlawful or unenforceable in any jurisdiction, that provision shall be deemed not to be part of this disclaimer but such finding shall not affect the validity, lawfulness or enforceability of the remainder of these Terms of Use in that jurisdiction, nor shall it affect the validity, lawfulness or enforceability of these Terms of Use in any other jurisdiction.
Conflict with Additional Terms
Certain web pages or areas on the J-O Website may contain additional terms, conditions, disclosures and disclaimers (together “Additional Terms”). In the event of a conflict between these Terms of Use and the Additional Terms, the Additional Terms will govern for those web pages or areas.
Privacy statement
J-O appreciates your visit to this web site ("J-O Website") and your interest in our services and products. Your privacy is important to us and we want you to feel comfortable visiting our site. We take care to protect your personal data collected, processed and used during visits to the J-O Website.
By accessing the J-O Website you accept this Privacy Statement ("Statement").
If you do not agree to this Statement, do not proceed to further web pages of the J-O Website.
This Statement may be updated from time to time. We therefore ask you to consult it on a regular basis. The last line of this Statement below indicates when the Statement was last updated.
What are the purpose and the scope of this Statement?
J-O , its subsidiaries and branches ("J-O" or "We") are committed to safeguarding the personal information that we collect from individuals who use the J-O Website. Accordingly, J-O has developed this Statement to describe how and what type of data will be collected from users of the J-O Website and the purposes for which J-O may collect, share or disclose the data. J-O also outlines reasonable precautions which are taken to keep your data secure.
This Statement applies to any information obtained by J-O through your use of the J-O Website. It is not applicable to any Internet websites controlled by third parties not affiliated with J-O that the J-O Website may link to ("Third Party Sites"). Please review the privacy statements of Third Party Sites as J-O is not responsible for and has no influence on the content or the privacy practices of Third Party Sites.
The terms of this Statement are subject to any additional terms of disclaimers or other contractual terms you have entered into with J-O such as client privacy statements or notices, and any applicable mandatory laws and regulations.
What information do we collect from you and for what purpose?
When you visit the J-O Website, our web server automatically records details about your visit (for example, your IP address, the web site from which you visit us, the type of browser software used, the J-O Website pages that you actually visit including the date and the duration of your visit).
In addition, we collect personal data which you provide through the J-O Website, for example when you enter personal details (e.g. name, gender, address, e-mail address, phone/fax number) on a registration page or if you sign up for an email newsletter.
J-O will use your personal data:
for the purposes of technical administration and research & development of the J-O Website,
for customer and user administration and marketing,
to inform you about our services and products, and
for such purposes as otherwise specified.
J-O respects applicable laws and regulations in its use of personal data.
How do we collect and store information from you?
J-O uses tracking technology such as cookies or tags to gather information as outlined above (see: "What information do we collect from you and for what purpose?") to understand how visitors use the J-O Website.
Tracking technology helps us manage and improve the usability of the J-O Website, for example by detecting whether there has been any contact between your computer and us in the past and to identify the most popular sections of the J-O Website.
Where available, the “Cookies” link at the bottom of the page gives you more details about J-O’s use of cookies, and lets you control which types of cookies the J-O Website may set on your device (known as your “cookie settings”).  Please ensure that you set your cookie settings by un-ticking certain types of cookies if you do not consent to their use by J-O.
When you save your cookie settings, they should also apply to your future visits to the J-O Website. However, for technical reasons beyond J-O’s control, this cannot be guaranteed.  For example, if you reset your browser, delete your cookies or access the J-O website from another browser or device your cookie settings may be lost. To comply with applicable laws and regulations, in some countries you may be asked to confirm your cookie settings when you first visit the J-O Website.  If you are in a country where you are automatically required to set your cookie settings, you may be asked to set them again on a future visit.
In many cases you can also control tracking technologies using your browser. Please ensure that your browser setting reflects whether you wish to be warned about and/or accept tracking technologies (such as cookies) where possible.  The specific capabilities of your browser and instructions on how to use them can usually be found in the manual or help file of your browser.
Refusing, disabling or deactivating of tracking technologies may result in a reduced availability of the services provided by the J-O Website or parts of the J-O Website may no longer function correctly.
To whom do we disclose your information collected from the J-O Website?
J-O may disclose your information to its affiliates and its and their agents and third party providers inside or outside your country of residence to perform services for J-O and for the purposes stated above. Our  affiliates, agents and third party providers who have access to personal data obtained through the J-O Website are obliged to respect privacy.
When transferring personal data internationally we make sure that we comply with applicable laws and regulations, for example, by entering into agreements which will ensure that the recipients of your information maintain an adequate level of data protection.
We may also disclose your information to governmental agencies or entities, regulatory authorities, or other persons in line with any applicable law, regulations, court order or official request, or under any and for the purposes of any guidelines issued by regulatory or other authorities, or similar processes as either required or permitted by applicable law.
What security measures have we implemented to protect your information collected through the J-O Website?
J-O has implemented reasonable technical and organisational security measures to protect your personal data collected by J-O via the J-O Website against unauthorized access, misuse, loss or destruction.
How do we treat electronic messages sent to and from J-O?
All electronic messages sent to and from J-O are automatically retained in a distinct journaling system which preserves the evidential weight of the e-mails. They are protected by reasonable technical and organisational measures and may only be accessed in justified cases in line with applicable laws and regulations (e.g. court order, suspicion of criminal conduct, violation of regulatory obligations, material breach of employment contract) to specific persons in defined functions (e.g. Legal, Compliance, Risk). Every step of the process, as well as the search criteria used, are logged in an audit trail. All emails are disposed of after the applicable retention period has expired.
What should you consider when sending data over the Internet?
The Internet is generally not regarded as a secure environment, and information sent via the Internet (such as to or from the J-O Website or via electronic message) may be accessed by unauthorized third parties, potentially leading to disclosures, changes in content or technical failures. Even if both sender and receiver are located in the same country, information sent via the Internet may be transmitted across international borders and be forwarded to a country with a lower data protection level than exists in your country of residence.
Please note that we accept no responsibility or liability for the security of your information whilst in transit over the Internet to J-O. In order to protect your privacy we would like to remind you that you may choose another means of communication with J-O, where you deem it appropriate.
How do we deal with information from individuals under the age of 18?
The J-O Website does not seek to collect personal data from individuals under the age of 18.  Individuals under the age of 18 should receive permission from their parent or legal guardian before providing any personal data to J-O on the J-O Website.
How can you access or review your personal data?
You may, where permitted by applicable law or regulation:
check whether we hold your personal data,
ask us to provide you with a copy of your personal data, or
require us to correct any of your personal data that is inaccurate.
Should you have a request regarding the processing of your personal data please send a letter to the following address:
Group Data Protection Officer
P.O. Box
8008 Basel
By accessing this website ("J-O Website") you agree to be legally bound by these terms of use / disclaimer ("Terms of Use"). Please also consult the applicable additional legal information for your relevant country.

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