Disclaimer

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General

The terms of this disclaimer (hereinafter referred to as “Disclaimer”) apply to this web site, www.cardifluxvie.lu of Cardif Lux Vie Société Anonyme in Luxembourg. This web site is administered by Cardif Lux Vie Société Anonyme in Luxembourg. The content of this web site is fully provided by Cardif Lux Vie Société Anonyme in Luxembourg (“Cardif Lux Vie”).

Please read this Disclaimer carefully.

By accessing this web site and or using the information provided on or via this web site you agree to be bound by this Disclaimer. In the event of any conflict between the terms and conditions of specific products and services and this Disclaimer, the conditions specific to such products and services shall prevail.



Local legal restrictions

This web site is not directed to persons in jurisdictions where (by reason of the person's nationality, residence or otherwise) the publication or availability of the web site is prohibited. Persons in respect of whom such prohibitions apply shall not access this web site.



Use of this Web Site

The information provided on or via this web site should not be used as a substitute for any form of advice. Decisions based on this information are for your own account and risk.



No offer, no obligation

No information published on this web site constitutes a solicitation or offer, or recommendation, to buy or sell any insurance products, to effect any transactions, or to conclude any legal act of any kind whatsoever.

Furthermore, Nothing herein constitutes an investment, legal, tax or other advice nor is it to be relied on in any investment or decision. You should obtain advice from a qualified expert before making any investment decision.

Past performance is not necessarily an indication of future results in investments. The value of investments may vary due to various factors including - but not limited to - fluctuations in foreign exchange rates. Consequently, investors may not get back the amount invested. Cardif Lux Vie disclaims any responsibility and liability whatsoever in this respect.

Although Cardif Lux Vie attempts to provide accurate, complete and up-to-date information, which has been obtained from sources that are considered reliable, Cardif Lux Vie makes no warranties or representations, express or implied, as to whether information provided on or via this web site is accurate, complete or up-to-date.

Cardif Lux Vie controls and maintains this web site from Luxembourg and makes no representation that the information provided on or via this web site is appropriate or available for use in other locations. If you use this web site from other locations, you are responsible for compliance with applicable local laws.

Cardif Lux Vie does not represent or warrant that this web site functions without error or interruption.

Use of this web site that may hinder the use of other Internet users, that can endanger/jeopardise the functioning of this web site and/or affect the information provided on or via this web site or the underlying software, is not permitted.



Third Party Information, Products and Services

Where Cardif Lux Vie provides hypertext links to third party web sites, such links are not an endorsement by Cardif Lux Vie of any products or services provided on or via such web sites. The use of such links is entirely at your own risk and Cardif Lux Vie accepts no responsibility or liability for the content, use or availability of such web sites. Cardif Lux Vie has not verified the truth, accuracy, reasonability, reliability, and completeness of any content of such web sites.



Intellectual Property

Cardif Lux Vie, or the relevant owner, retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site (including all texts, graphics and logos). You may not copy, download, publish, distribute or reproduce any of the information contained on this web site in any form without the prior written consent of CARDIF LIFE or the appropriate consent of the owner. However, you may print and/or download information contained on this web site for your own personal use.

Links to Cardif Lux Vie web sites are not permitted without the prior written consent of Cardif Lux Vie.



Communication On Line

Messages that you send to Cardif Lux Vie by e-mail may not be secure. Cardif Lux Vie recommends that you do not send any confidential information to Cardif Lux Vie by e-mail. If you choose to send any messages to Cardif Lux Vie via e-mail, you accept the risk that they may be intercepted, misused and modified by a third party.



Exclusion of Liability

Neither Cardif Lux Vie nor any of its agents or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if Cardif Lux Vie is advised of the possibility thereof) arising in any way from, including but not limited to, (i) any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of this web site, (ii) the information provided on or via this web site, (iii) the interception, modification or misuse of information transmitted to Cardif Lux Vie or transmitted to you, (iv) the functioning or non-availability of this web site, (v) the misuse of this web site, (vi) the loss of data, (vii) downloading or use of any software made available by this web site, or (viii) claims of third parties in connection with the use of this web site.

The exclusion of liability is also made for the benefit of directors and employees of Cardif Lux Vie.



Applicable Law

This web site and its Disclaimer shall be governed by and construed in accordance with the laws of Luxembourg. All disputes arising out of or in connection with this Disclaimer shall be submitted to the exclusive jurisdiction of the courts of Luxembourg.

All disputes in connection with the content of this site shall be governed by the laws of the Luxembourg and shall be submitted to the exclusive jurisdiction of the courts of Luxembourg.

In the event of a discrepancy or difference in interpretation between various language versions of this Disclaimer, the English language version shall prevail.



Amendments

Cardif Lux Vie reserves the right to change the information provided on or via this web site, including the terms of this Disclaimer, at any time and without notice. It is recommended that you review the information provided on or via this web site, including the terms of this Disclaimer, periodically for changes.