TERMS AND CONDITIONS Please read the terms and conditions carefully. It establishes the terms of a legal agreement between you and JOCHBERGERSTRAßE. The terms apply to your use of JOCHBERGERSTRAßE and the content irrespective of the device or platform used to access it. If you would like clarification of any matter please contact us at info@jochberger.com INTRODUCTION The terms and conditions replace all previous terms and conditions published by JOCHBERGERSTRAßE. JOCHBERGERSTRAßE may provide changes to the terms and conditions for regulatory or judicial reasons or to notify clients of changes to our services or corporate practice. We will provide changes to clients by electronic mail. Any changes will become effective from the date of your next payment unless we notify you otherwise. ACCESS JOCHBERGERSTRAßE is committed to providing clients with impeccable service and exceptional strategy and advice. We suggest you read our copyright policy. It provides a summary of how you are permitted to use our service. Access to our service depends on the type of client you are. We classify clients according to a system ranging from A to E. A premium client will be designated with an A and will have greater access to strategy, advice and data than a client using the E service. All content belongs to JOCHBERGERSTRAßE. JOCHBERGERSTRAßE owns all the intellectual property on this website. The intellectual property also incorporates copyright and information technology rights. JOCHBERGERSTRAßE does not permit the transfer of intellectual property rights to you or anyone else. You are allowed to: View JOCHBERGERSTRAßE content for personal use using any device compatible with JOCHBERGERSTRAßE or any JOCHBERGERSTRAßE application. An application may refer to a personal computer, smart telephone or another mobile device. You are permitted to print documents for your personal use Share documents by using tools available. However, you may republish or redistribute a substitute if you comply with our conditions. You must state JOCHBERGERSTRAßE is the author. You do not republish content to promote or endorse any product or service. No individual or organisation is permitted to republish or redistribute more than fifteen documents each day. If JOCHBERGERSTRAßE informs you that we believe you are republishing, redistributing or creating documents beyond our stipulation you shall cease immediately and you will not be permitted to publish any content unless JOCHBERGERSTRAßE negotiates an agreement with you concerning the use of JOCHBERGERSTRAßE content. You must comply with the following conditions: You are not permitted to copy, publish, republish or redistribute, communicate or disseminate content to third parties. Content incorporates text, graphics, tables, images and photographs. You are not permitted to store any content for anyone except you. You are not permitted to remove the copyright or corporate insignia from any content. You are not allowed to photocopy of scan content. You are not allowed to use any JOCHBERGERSTRAßE content beyond the terms stipulated. PRIVACY JOCHBERGERSTRAßE will respect the privacy of client’s personal information. We will not disclose client information to third parties. We promise to ensure client information remains confidential. JOCHBERGERSTRAßE does not accept liability for any direct, indirect, incidental or consequential loss from any advice or strategy. The opinions and views expressed in advice or strategy reflect the personal views of the author or strategist and maybe subject to change. All information is subject to change. Historical performance is not necessarily an indication of future performance. Information is intended for a specific individual or entity and may be inappropriate in part or whole for other individuals or entities. PRICING POLICY The price includes all taxes. We will inform clients of any changes to the price of any service. When a service is for a particular period of time, the price of the service will remain for the duration of the service. Clients will be informed of any change in price at least 30 days before the price change is implemented. If you decide to cancel the service the service will end when the period of the service ends. REFUND POLICY Unless stipulated by law, JOCHBERGERSTRAßE does not provide a refund. ELECTRONIC STATEMENT JOCHBERGERSTRAßE will provide clients with an electronic billing statement. If JOCHBERGERSTRAßE is responsible for a billing error we will change it promptly after you inform us and we conduct an investigation into the matter. If you are responsible for an error must inform us within 90 days of receiving the billing statement. We will not accept liability or loss incurred from a billing statement error after 90 days have elapsed. RESPONSIBILITIES TO CLIENTS The content on this website does not constitute financial advice. It is not intended or should be relied upon by users in devising or refraining from a particular investment, purchase or sale of a financial product or service. We promise our people will utilise skill, diligence and expertise to solve any faults and errors concerning the content on this website. WARRANTY We cannot provide a guarantee the content on this website is complete, accurate or timely. You recognise and agree information technology can encounter problems and faults and occasionally be interrupted. We cannot guarantee the service will not be interrupted, error-free or data may be lost. We do not provide a warranty or representation the JOCHBERGERSTRAßE website is free of computer viruses or any destructive infection. JOCHBERGERSTRAßE is not liable for events or factors beyond its reasonable control. FINANCIAL RESPONSIBILITY TO CLIENTS If you incur any loss by using information JOCHBERGERSTRAßE provided beyond the scope of the terms and conditions we do not accept responsibility or liability. We do not accept responsibility or liability for any direct damage you incur from the use of JOCHBERGERSTRAßE. GENERAL You may not licence or transfer any of your rights according to the terms and conditions. CHANGES TO TERMS AND CONDITIONS The terms and conditions were written on 31 January 2012 and replace previous statements concerning terms and conditions.