Terms-of-Use (Disclaimer)

The accessing and use of this website (hereinafter the “Site”) are governed by the Terms-of-Use set out herein. By accessing and using the Site, you acknowledge that you have read, understood and agreed to these Terms-of-Use. Furthermore, you accept that the Group Eric Sturdza SA (hereinafter “The Group”) may, at any time, with immediate effect and without any prior notice, modify the Terms-of-Use. The version and date of publication are specified in the note to the Terms of Use; please review them each time they are updated.

If you do not agree to the Terms-of-Use, do not access or use the Site in any way whatsoever.

1. Access to WebSite Subject to Local Restrictions

This Site is owned and operated by the Group using a hosting provider in Switzerland.

The access to this Site is restricted to any person or entity in any jurisdiction (by way of domicile, residence, nationality or otherwise) where the publication or the availability of the Site would be a violation of the local applicable law and regulation. If you are related to any jurisdiction providing such a violation, and/or submitted to such prohibition, you are not authorized to proceed to the Site, and must leave it immediately.

2. No offer

Neither the information, nor the opinion expressed on the Site constitute a solicitation, a recommendation or an offer of any kind, to buy, sell or dispose of any investment, nor to engage in any other transaction or to provide any investment advice or service. None of the services, funds, mutual funds or any type of investments referred to in this Site are available to the persons resident in any country, state or jurisdiction where the access to these products, investments or services would be a breach of the local laws or regulations; and the prospectuses in reference to these products and services will not be distributed in these countries, states or jurisdictions. You are only entitled to products and services offered in your country of residence. The Group does not take any responsibility in regards to the interpretations made by the readers.

3. No reliance and no warranty

The Group has prepared and made available to you the information contained on this Site for personal use and information purposes only. The Group uses all reasonable care to ensure that such information is accurate, reliable, correct and complete when published. Although all reasonable care was taken to ensure that the information contained in this document is accurate at the time of publication, no warranty is given as to its accuracy, completeness or reliability. The information provided may change, even immediately after publication, and there is no obligation on the Group Eric Sturdza SA to update the information immediately after publication of this document. Nevertheless, the Group makes no representation or warranty, either express or implied that the information is precise, fair, accurate and complete or that has not been altered as a result of technical malfunctions (disconnection, interference by third parties, viruses, etc). Opinions and any other contents on the Site are subject to be modified without notice.

Information and opinions contained in the Site have no relevance to the investment objectives, the financial situation or the specific needs of any recipient of said information. Prior to any investment, a personal and appropriate professional advice is required. The information and opinions contained in the Site are provided for informational purposes only. In no event the Group could be considered liable for any loss or damages sustained or arising out of or in connection with the use of information provided on the Site.

4. Limitation of liability

The Group shall not be liable for any loss or damage howsoever caused, including but not limited to any direct, indirect, or consequential loss or damage, arising out of or related to the access to, use of, browsing in, or downloading from the Site or any other Site linked thereto.

5. Linked websites

This Site may contain links to other websites, including those of entities within the Group Eric Sturdza SA.

The Group accepts no responsibility for the information or content provided on these websites (other than those of Group entities) and accepts no liability for any illegal, incomplete or inaccurate content on the website to which the user has been redirected, particularly in cases where damage results from the use or non-use of such erroneous information.

6. Intellectual property rights

The logos and brands used on the Site are registered as trademarks and protected by trademark law. Third parties may only use the logos and brands that belong to the Group and its entities with the permission of the Group and/or its respective entity. The entire content of the Site is protected by copyright law. Consequently, presentations, brochures, flyers, graphics, texts, designs, charts, etc., may not be reproduced or reused in any way or used for commercial or public purposes. The Group reserves the right to take legal action in the event of any breach or violation of this provision.

7. Risks associated with using the internet

This Site may allow you to contact the Group by e-mail. The Site does not guarantee the integrity of the electronic communications. Given that such communications use the Internet, a public network over which the Group has no control, they may be intercepted, altered, or lost. Any confidential, proprietary or sensitive information transmitted by a user by means of this Site may be read and/or copied by unauthorized persons. The Group disclaims all liability in respect thereof. The e-mail provided may only be used for communications not relating to financial transactions or bank accounts.

8. Cookies

In order to improve our customer service offering, the Group’s Site collects technical data about users of the Site, such as IP address, provenance, length of use, times of use, number of page views, and type of browser or digital tool used.

Cookies are text files that are stored by the website’s server on your computer, smartphone or any other internet-optimized device whenever you visit our Site. They are generated by your web browser and have the following functions:

• Memorizing our users’ preferences and settings with the aim of making browsing easier.
• Counting the number of visits and page views and measuring user activity on this Site. This statistical function allows us to adapt our Site to the expectations of users.
• Tracking the Site performance.

The data collected is not used to identify individual visitors.

You can customize, accept, or decline cookies (functional or analytics) directly through the Website’s tool or by changing your browser settings. Disabling or blocking some cookies may affect the functionality of the Site.

By visiting this Site, you accept that we collect this information and process it for the purposes outlined above. The Group reserves the right to amend this cookies policy at any moment.

9. Data protection

All personal data received via the Site is treated confidentially by the Group. Together with our hosting provider, the Group endeavours to protect these data to the best of its ability against unauthorised access, loss, misuse or falsification. In order to make regular improvements to the service we offer, we use a web analytic tool.

10. Governing law and jurisdiction

The use of this Site shall be subject to Swiss law. The courts of Geneva shall have exclusive jurisdiction over all claims or disputes arising out of or in connection with the Site and its use, except in case of appeal to the Federal Court.

Date of last update: June 2026.