Legal information

Please read the IMPORTANT INFORMATION before proceeding and to learn about restrictions regarding the distribution of data available on this website.

FARAD International S.A website

The website is managed by FARAD International S.A., an insurance brokerage company under Luxembourg law. This website is a site with an exclusively informational purpose whose objective is to present the company’s activity as well as the principal characteristics of the products and services it offers.

Website objectives

All of the information available on the website is meant for indicative purposes only. This is not a transactional website.

Identifiable information

No personally identifiable information regarding portfolios appears on the website. Contracts appear only under their numbers.

Access

Access to the website is prohibited to any person in any jurisdiction (due to domicile, residence, nationality or other) where the publication or availability of the website constitutes a violation of the applicable laws and regulations. In particular, the website is not meant for persons residing in the United States or American nationals. If you are a national of such a jurisdiction, you are not authorized to continue on the website and must exit immediately. If you are not a national of such a jurisdiction, you can continue on the website after having read and accepted the conditions defined hereafter. Since this website can be accessed from abroad, the person who connects to the website is responsible for complying with the law in his country of residence or connection. Access to the information on this website from foreign countries is at the visitor’s risk. That person will bear any direct or indirect consequences of an infraction of the applicable legal and regulatory provisions. FARAD International S.A. cannot be held responsible in any way for these infractions.

Responsibility

Through this service, FARAD International S.A.’s sole objective is to make certain information available to its clients, partners and the general public and does not intend to perform, either directly or indirectly, any solicitation or public offer of life insurance and/or securities in any country. FARAD International S.A. has endeavoured and strives to ensure the accuracy of the information available on the server. Please remember that some information available on the server comes from outside sources. The information is provided “as is” and is not subject to any guarantee or declaration of any kind. All information may be modified without prior notice by FARAD International S.A.

Limitation of responsibility

FARAD International S.A. denies all express or implied responsibility regarding the accuracy, completeness or update delay of the information available on the server or connected to it via hyperlinks, or concerning the commercial value of this information. Consequently, FARAD International S.A. advises against making any decisions based on this information before having verified it, understanding that, in any case, you will be solely responsible for the use that you decide to make. The information contained on the site must not, in any case, be interpreted as constituting investment, legal, tax or other advice. The information or opinions contained on the site are unrelated to the investment objectives, financial situation or particular needs of any recipient of said information. You are advised to obtain specific, customized and adequate professional advice before making any investment decision. The information or opinions contained on this website are provided for informational and personal purposes only and are subject to change without notice. Past performance offers no guarantee for future results. Neither FARAD International S.A. nor its administrators, managers, employees, agents or consultants shall be held responsible with respect to any persons whatsoever for any losses, damages, costs or expenses, including loss of profit, loss of use or direct, indirect, accessory or consecutive damages resulting from errors, omissions or alterations in the information obtained on errors or connected to it via hyperlinks.

Intellectual Property

The contents, information, data and other documents present on this site or available through it are protected by copyright laws and other forms of exclusive rights. You may not copy, reproduce, distribute, publish, modify, transmit or create derivative content of this website with the exception of the downloading and printing of documents and data solely for personal, non-commercial use. The use of any informational system for the recovery of the financial data on this site is forbidden. Downloading or copying of any software or material from this website does not confer any right over the downloaded or copied elements. FARAD International S.A. reserves all rights on the copyright and ownership of all information available on the site and shall enforce it to the full extent of the law.

Interruption of service

FARAD International S.A. could be forced to interrupt Internet services, in all or in part, due to the occurrence of a force majeure event or any other event beyond its control. In this event, FARAD International S.A. will take all appropriate measures to re-establish Internet service as soon as possible. However, FARAD International S.A. cannot be held responsible for this interruption in any way, or for the delay in re-establishing the connection. Also, FARAD International S.A. cannot be held responsible in any way for direct or indirect damages that could result from the interruption or malfunction of the internet service for any reason.

Hyperlinks

The site may contain links to other sites under the control of or made available by third parties. FARAD International S.A. has not reviewed any of the links to its website and does not offer any guarantee regarding the information or material made available on these sites. In linking a third-party site to its own site, FARAD International S.A. denies all responsibility regarding the products or services offered through the site proposed by a third party. No link to the FARAD International S.A. website can be established on a third-party website without prior written consent from FARAD International S.A.

Applicable law

Use of the site will be subject to Luxembourg law, which will exclusively govern the interpretation, application and effect of all of the previously described conditions for use. Any disputes related to or linked to the site, or as a result of its use will be subject to the exclusive jurisdiction of the Luxembourg courts.