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Important information and terms of use

1. Agreement

By using the website and any of its pages (hereinafter the „Website“), you confirm that you have reviewed, understood and agreed to the following important information and terms of use (hereinafter the “Terms”). If you do not agree to the Terms, please exit the Website immediately.
The Terms are subject to change at any time without notice. Therefore, we advise you to read through the Terms regularly to ensure that you are informed of any changes. The access to, and use of the Website may be restricted or terminated at any time.

Use of the Website as well as the Terms is governed by the laws of the Grand Duchy of Luxembourg.

2. No offer, no advice

The information, products, data, services, tools and documents contained or described on the Website (hereinafter the “Content”) are for information purposes only and constitute neither an advertisement or recommendation nor an offer or solicitation to buy or sell investment instruments, to effect any transaction or to enter into any legal relations.

The financial products mentioned on the Website are not suitable for all investors. Prior to making investment decisions investors should conduct a thorough investigation and obtain all necessary professional advice.

Nothing contained on the Website constitutes financial, legal, tax or other advice, nor should any investment or any other decisions be made solely based on the Website content. Investments in any of the investment instruments described on the Website should only be made after carefully studying the corresponding prospectus, regulations and annual or half-yearly report including all the legal information therein. You should obtain advice from a qualified expert before making any investment decision.

3. Local restrictions

Access to the Website may be restricted or prohibited to certain investors by local law applicable to individual investors. Investors under such restrictions by reason of nationality, domicile, residence or any other ground should not access the Website. The Content is not intended for use by or distribution to any individual or legal entity in any jurisdiction or country where such distribution, publication or use would be contrary to the law or regulatory provisions or in which members of the group of Companies controlled by Cornhill Management, S.A., Luxembourg (hereinafter “Cornhill”) or any of their partners does not hold the necessary registration, approval or license. Some entities, services and products of Cornhill may not be registered or licensed under legal and regulatory provisions governing financial services or products and their providers in certain countries (e.g. the United States). Therefore, all users are requested to contact the nearest Cornhill entity for information about products and services available in their country.

4. No warranty

Cornhill provides no warranty and makes no representations of any kind whatsoever regarding:

  • the currency, accuracy or completeness of the Content;

  • the results to be obtained by any user of the Website; or

  • any third party content accessible on or through the Website.

Except to the extent required by current laws and/or regulations, Cornhill, including its directors, employees or subcontractors:

  • disclaims any and all expressed or implied warranties and conditions including without limitation warranties and conditions as to quality and fitness for a particular purpose; and

  • does not warrant that the Website, the Content (including any third party content), goods and services referred to therein will be uninterrupted or error free, that defects will be corrected or that the Website, the servers from which it is available or any connected website is free of viruses, trojan horses, worms or similar items or processes or other harmful components. In order to safeguard against viruses, it is advisable to use up-to-date versions of browsers and to install and update antivirus software. Users should strictly avoid opening e-mails of unknown origin or unexpected e-mail attachments.

Any data, including but not limited to financial market data, quotes, notices, research or other financial information accessible through the Website, have been obtained from carefully selected sources believed to be reliable. All such information is provided „as is“ to the user without expressed or implied warranties of any kind, including warranties of quality, originality, non-infringement of intellectual property or fitness for any particular purpose.

The information and opinions in the Website are descriptive of Cornhill as a whole and the products and services described may not be available to or suitable for all investors. The fact that a user accesses the Website does not make him a client of Cornhill.

Any expressions of opinions, estimates and projections on the Website are those of the authors at the date of writing. They do not necessarily reflect the view of Cornhill and are subject to change at any time without prior notice. Cornhill may discontinue, or make changes in, the information, data and documents, and the products or services described herein, at any time without prior notice.

5. No liability

To the maximum extent permitted by current laws and regulations, Cornhill, including its directors, employees or subcontractors disclaim any and all liability for losses or damages of any kind whatsoever arising directly or indirectly as a result of:

  • the Content, accuracy, completeness or otherwise of the Content or any links or third-party content;
  • any errors in or omissions from the Website;
  • use of or access to the Website;
  • any inability to access or use the Website for any reason.

To the full extent permitted by current laws and regulations, Cornhill shall not be liable for any

  • loss of profit or revenue or savings or other economic loss;
  • loss of business or goodwill;
  • loss or damage of data;
  • incidental or special loss; or
  • indirect consequential loss arising from use of or Access to the Website, even if advised of the possibility of any such loss or damage or if such loss or damage was foreseeable.

Cornhill assumes no liability for the correctness or accuracy of the given information and it may be subject to change at any time, without notice.

6. Proprietary information

Unless accompanied by an explicit statement to the contrary, the Content on the Website is protected by copyright, database rights, or other intellectual property rights, and is the property of Cornhill.
Nothing on the Website is designed to grant any license or right to use any image, trademark or logo. No act of downloading or otherwise copying from the Website will transfer any legal entitlement to any software or material on the Website to you. Cornhill reserves all intellectual property rights to all material on the Website, and will enforce such rights to the full extent of the applicable law.

7. Performance

Past performance is not a guide to the future. The value of investments, and the income from them, can go down as well as up. You may not get back the amount you have invested. You should be aware that currency fluctuations, either up or down, may also affect the value of an investment. The mention of any specific shares should not be taken as a recommendation to deal. Commissions, trailing commissions, management fees and expenses all may be associated with the investments. Yields are not guaranteed and can fluctuate. Net asset value information has been obtained from sources believed to be reliable but Cornhillmakes no representation to its accuracy, reliability or completeness and accepts no liability for any direct or indirect loss arising from its use.

The performance is usually calculated on the basis of the relevant NAV unless stated otherwise. Performance shown does not take account of any fees and costs associated with subscribing or redeeming shares. It is assumed that all dividends were reinvested. The value of units and the return they generate can go down as well as up. Changes in market conditions and exchange rates can cause a drop or an increase in the share value. Past performance does not guarantee the same results in the future. Before investing in any financial instrument the investors should contact their financial adviser / legal adviser / tax adviser and refer to all relevant documents relating to the particular investment, such as the latest annual or semi-annual report, prospectus, simplified prospectus, articles or any other document, which specify the particular risks associated with the investment, together with any specific restrictions applying, and the basis of dealing.

8. Monitoring

Please note that all your actions while using the Website may be recorded and analyzed for various purposes, including security, marketing and system monitoring purposes.

9. Third-party websites

Links to third-party websites on the Website are provided solely as pointers to information on topics that may be useful to users of the Website, and Cornhill has no control over the content on such third-party websites. No warranties or liability concerning the content of such websites are made. Nor does Cornhill warrant that such website or content is free from any claims of copyright or trademark or other infringement of the rights of third parties.

10. Data transfer/processing

Whilst Cornhill takes measures to ensure that your personal data cannot be intercepted by third parties, please note that when using the Website, data is transported over an open network (Internet) which is accessible to third parties and which cannot be regarded as a secure environment. Cornhill may transmit or store any data provided by you when using the Website outside your country of residence. In such cases, Cornhill will make every effort to secure an appropriate standard of protection for your data, taking account of the applicable legal and regulatory requirements, including those relating to client confidentiality and data protection, but it is possible that data may be relayed to a country in which the prevailing standards of data protection are lower than in your country of domicile. Cornhill accepts no responsibility or liability for the security of your data during transmission via the Internet.

In general, when you visit Website, and try to get some information, you stay anonymous. If we ask you for your personal data, we let you know in advance what the reason is for this.

11. Material interests

Cornhill and/or its Board of Directors, executive management and employees may have or have had interests or positions or traded or acted as market makers in securities referred to on the Website. Furthermore, such entities or persons may have or have had a relationship with or may provide, or have provided corporate finance or other services to, or serve or have served as directors of companies referred to on the Website.

12. Investment risks

Investors should be aware that shares in the financial instruments entail investment risks, including the possible loss of the invested capital. Past performance provides no guarantee and no indication of future performance. The price of an investment and the yield achieved will fluctuate, so that an investor’s shares may be above or below the original acquisition price upon redemption. Due to continuing market volatility, the performance may be subject to extreme changes over the short term. Furthermore, some financial instruments are invested mainly in emerging markets and/or in shares of small-capitalized companies and/or in high-interest-rate bonds are essentially subject to higher risks. Please read the investment policy in the prospectus, articles and/or the regulations in order to familiarize yourself with the specific risks associated with a specific financial instrument. The financial instruments may also invest in foreign currencies. The added risk of exchange-rate fluctuations will also arise. Before investing you should review the specific risk warnings in the relevant documents.

The Art of Investment