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Terms of Use

By accessing and/or using the website  and any pages thereof (hereinafter referred to as "this website"), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to, or do not wish to abide by, the following terms and conditions, please do not access or use this website.


The information and services offered and described on this website are not intended for distribution to, or use by, any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction. Persons or entities, in respect of whom such prohibitions apply, must not access or use this website. This website is reserved exclusively for non-US persons and should not be accessed by any citizens or residents of the United States.

No offer
The information contained in this website does not constitute an offer to buy or sell securities of any type. Nothing in this website should be construed as an offer or the solicitation of an offer to purchase, subscribe or sell an investment or to engage in any other transaction. Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation.
Products and services mentioned or described in this website may not be available to or suitable for you. You should consult an independent investment and/or tax advisor concerning your financial situation and tax obligations before making any investment decision.

No basis for decision-making
All information contained in this website has been prepared by Swiss Life on the basis of publicly available information, internally developed data and other sources believed to be reliable. It is for general information purposes only and should not be considered as general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information contained in the website is accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice.
Any performance data presented on this website represents past performance. Past performance is no indication of current or future performance. The performance data does not include commissions and costs incurred when issuing and redeeming fund units.
Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers.

No warranty
Swiss Life takes great effort to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information is provided by Swiss Life on an "as is" and "as available" basis.

Exclusion of liability
Your use of the internet or this website, and any links, hyperlinks and web addresses is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to the Swiss Life website. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness or completeness of the data, information and content shown or transmitted via the internet.
Swiss Life does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. As a user, you agree to use this website or any connected websites and their contents at your own risk. “Use” is also understood to include connection to the above-mentioned websites and their contents.
Neither Swiss Life nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from their use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage such as foregone profits or losses due to business interruptions.

Linked websites
Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.

This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.
No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life.

Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others.
Access to and use of this website and any parts thereof, and the terms and conditions of this legal information are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland.

Fund glossary - Disclaimer
Swiss Life would like to point out that the concepts defined in the fund glossary are context-dependent and may be interpreted differently in different situations. For that reason, we recommend that their use in any other specific context be reviewed. Swiss Life can accept no claim or liability which may arise from the direct or indirect use of a term referred to in this glossary.