Terms of use | UBS Global Skip Links Content Area Main Navigation Legal Information Additional language and service options ENEnglish Deutsch Français Italiano Español Português Nederlands Русский 日本語 한국어 中文 (简体) 中文 (繁體) Locations Client loginsClient loginsChoose your login More logins Individuals UBS E-Banking Switzerland UBS Quotes UBS Safe US client account login UBS Digital Networks and Events Corporate & Institutions UBS E-Banking and online services Switzerland UBS Connect UBS Neo UBS Real Estate US UBS Asset Wizard Asset Management Client Portal Client logins Main menu Important legal information Terms of use Privacy statementPrivacy statementVisit overview Australia Bahamas Bahrain Bermuda Brazil British Virgin Islands California Canada Cayman Islands Chile China France Germany Guernsey Hong Kong India Indonesia Ireland Israel Italy Japan Jersey Korea Luxembourg Malaysia Mexico Monaco New Zealand Panama Philippines Portugal Qatar Saudi Arabia Singapore South Africa Spain Switzerland Taiwan Thailand Türkiye United Arab Emirates United Kingdom United States Uruguay E-Mail Disclosure Location specific information Information on UBS Social Media Legal Terms General DisclosuresGeneral DisclosuresVisit overview Candidate privacy notice On Demand Worker Privacy Notice Non-monetary benefits Customer Service Business continuity & resilience header.search.error Search Title Close Open the menu Terms of use Disclaimer These Terms of Use apply to www.ubs.com as well as any other affiliated sites, digital services, or applications on which a link to these Terms of Use appears (collectively, the "UBS Website") and apply to all visitors. These Terms of Use and any other terms that appear on the page from which you were directed to these Terms of Use govern your use of the UBS Website. By accessing the UBS Website, you agree to be legally bound by the Terms of Use then in effect. Please also refer to the relevant additional legal information applicable to your country. These Terms of Use as well as the information and materials contained in the UBS Website are subject to change at any time and from time to time, without notice. UBS may add features to or remove features from the UBS Website at any time and from time to time in our sole discretion. Continued access to the UBS Website following any modification in these Terms of Use will constitute your acceptance of the Terms of Use as modified. If you do not agree to be bound by these Terms of Use, do not use the UBS Website. Access Subject to Local Restrictions The UBS Website and all information and functionalities contained within them 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 authorizations by the relevant branch, subsidiary or affiliate office of UBS and such licenses or authorizations have not been obtained. Services and Products Products and services displayed on the UBS 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, information or reports published, distributed or otherwise made available on the UBS Website is published for information purposes and is subject to change at any time without notice. They have no regard to the specific investment objectives, financial situation or particular needs of any specific recipient and should not be construed as a solicitation, offer or recommendation, to buy or sell any securities, investment or other financial instruments, to effect any transactions or to conclude any legal act of any kind whatsoever. 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 judgment. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or groups of UBS as a result of using different assumptions and criteria. UBS is not under any obligation to update or keep current the information contained herein nor to remove any outdated information from the UBS Website or to expressly mark it as being outdated. No Offer All information and materials published, distributed or otherwise made available on the UBS Website are provided for informational purposes, for your non-commercial, personal use only. No information or materials published on the UBS 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. UBS does not provide investment, legal or tax advice through the UBS Website and nothing herein should be construed as being financial, legal, tax or other advice. UBS does not represent that any securities or services discussed are suitable for any investor. No investment or other decisions should be made solely based on the contents or information found on the UBS Website. When making a decision about your investments, you should seek the advice of a professional financial advisor or qualified expert. Performance The future performance of an investment cannot be deduced from previous market value, i.e. the value of an investment may fall as well as rise. An investment may also lose value due to changes in rates of foreign exchange. UBS cannot guarantee that any capital invested will maintain or increase in value. Forward Looking Statements The UBS Website may contain statements that constitute "forward looking statements". While these forward looking statements may represent UBS’s judgment and future expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from UBS’s expectations. UBS 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 Your use of the UBS Website is at your own risk. The UBS Website, together with all content, information and materials contained therein, is provided "as is" and "as available" ", without any representations or warranties of any kind. Any materials, information or content accessed, downloaded or otherwise obtained through the use of the UBS Website is done at your own risk and UBS is not responsible for any damage to your computer systems or loss of data that results from the download of such material. UBS and its affiliates expressly disclaimer all representations or warranties of any kind, whether express or implied, with respect to the UBS Website, and all materials, information, content and functionalities contained herein, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, UBS does not warrant the accuracy, timeliness, completeness, security, reliability or availability of the UBS Website or the information or results obtained from use of the UBS Website, or that the UBS Website will be available at all times, or is virus-free or error-free. No Liability To the fullest extent permitted by law, in no event shall UBS or our affiliates, or any of our directors, employees, contractors, service providers 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 the UBS Website, or any links to third party websites. You are solely responsible for acquiring and maintaining such electronic devices and equipment that can handle and will allow you to access and use the UBS Website and for taking adequate and appropriate data security measures in accordance with good industry practice to protect yourself against fraud or cyber-attacks on a continuous basis (e.g. by using the most recent browser versions, and installing recommended security patches and up-to-date anti-virus programs and firewalls). UBS specifically disclaims all liability for any tampering with any user's computer system by unauthorized parties, or for losses or liabilities suffered by any user arising from viruses or attacks by hackers. In no event will UBS or our affiliates, or any of our officers, directors, employees, contractors, service providers or agents be liable for any incidental, special, punitive or consequential damages howsoever caused arising out of the use of the UBS Website, its content, or the inability to use the UBS Website. This disclaimer of liability applies to any and all damages or injury, including those caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft, destruction, or unauthorized access, whether for breach of contract, tortious behavior, negligence or under any other cause of action. Links The UBS Website may contain third party content or links to third party websites. These content and links are provided solely for your convenience and information. UBS 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. UBS shall have no liability for third party content or websites or websites linking to or framing the UBS Website. Social Bookmarks The UBS Website may contain social bookmarks which are identifiable by means of their respective buttons. Social bookmarks allow users of certain social media platforms to post links to selected UBS web pages on their social media accounts in order to bookmark them or share them with their social media contacts. If you use social bookmarks, you will be sending personal identifying data to the respective social media platform. Any comments or activity made by or carried out by persons using social bookmarks is not controlled, endorsed or monitored by UBS and UBS shall not be responsible or liable for such. Persons who share UBS communications via social bookmarks are not authorized to speak for or represent UBS and their views and opinions must be regarded as strictly their own and not UBS's. In addition, the provisions in these Terms of Use relating to Links also apply to social bookmarks. Intellectual Property Rights UBS, 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 UBS Website. Individual pages and/or sections of the UBS 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, whether in whole or in part, any information, text, graphics, images, video clips, directories, databases, listings or software obtained from the UBS Website for commercial or public pu…