Important Legal Information / Terms and Conditions of Use
Consent
Please read the following important legal information (hereinafter “Terms and Conditions of Use”) carefully before entering the website of ESGAM AG (“ESGAM” and the ESGAM Website “ESGAM Web”). By accessing ESGAM Web, you confirm that you have read and fully understood the Terms and Conditions of Use and that you agree to all the terms set out herein. If you do not understand or do not agree to any of the terms contained in the Terms and Conditions of Use, please exit the ESGAM Web.
Restricted access
Access to the information contained on this website may be restricted by laws and regulations applicable to the user. The ESGAM Web is not directed at any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of the ESGAM Web is prohibited. Persons in respect of whom such prohibitions apply must not access the ESGAM Web.
Not all the financial products and services presented on ESGAM Web are available in all jurisdictions or are suitable for all investors in all jurisdictions. It depends on the provisions of laws and regulations applicable in the relevant jurisdiction whether a financial product or service may be offered to a certain person. ESGAM Web contains information and opinions on services and collective investment schemes (hereinafter referred to as “funds” or “mutual funds”) and similar products managed and/or registered in various countries. ESGAM Web pages must not be accessed by persons (such as natural persons, legal entities or specific types of investors) who are subject to a jurisdiction prohibiting publication of the contents of ESGAM Web or access to ESGAM Web (due to that person’s nationality and/or place of residence or for whatever reasons). Persons to whom these restrictions apply, are not allowed to access ESGAM Web. Please note that particularly the funds managed and distributed by ESGAM are not authorized for marketing/distribution in the United States of America (USA) or to US persons.
Note: A U.S. Person is defined as (a) an individual who is a citizen or resident of the United States for federal income tax purposes; (b) a corporation, partnership or other entity created or organized under the laws of or existing in the United States; (c) an estate or trust the income of which is subject to United States federal income taxes regardless of whether such income is effectively connected with a United States trade or business. The offer and sale of securities in the United States is strictly forbidden except pursuant to an exemption from registration.
Sources for information about funds
The shares/units of the funds managed by ESGAM, as more fully described in the menu “Products” will only be offered and marketed in the countries in which the funds are authorized for such offering/marketing. An investment in the ESGAM funds should only be made after reading the related legal documents such as management regulations, prospectuses, annual and semi-annual reports, which can be all be obtained free of charge from the funds’ representatives/facility agent in each country where the funds are incorporated or registered.
Publications and notices
All documents relating to the Fund and all notices to investors will be published on the Management Company’s website: https://www.creditsuisse.com/microsites/multiconcept/en.html.
The legal bases of the funds listed hereafter are available free of charge for investors domiciled in Switzerland from the following addresses:
Switzerland:
Investment Manager:
ESG-AM AG
Gutenbergstrasse 10
CH-8002 Zürich
Representative:
Credit Suisse Funds AG
Uetlibergstrasse 231
CH-8070 Zurich
Paying agent:
Credit Suisse AG
Paradeplatz 8
CH-8001 Zurich
Publications and notices in Switzerland:
All documents relating to the funds and all notices to investors in Switzerland are additionally published on the publication platform […].
The legal bases of the funds are available free of charge to investors resident in the Principality of Liechtenstein at the following addresses:
Principality of Liechtenstein:
Paying agent:
Credit Suisse (Luxembourg) S.A.
5, rue Jean Monnet
L-2180 Luxembourg
The Prospectus, the Articles of Incorporation, the PRIIPs, the most recent annual report and, if more recent, the semi-annual report can be obtained free of charge in German or English language from the Paying Agent. Information for shareholders and modifications of the Prospectus, the Articles of Incorporation and the PRIIPs are published on the website https://www.creditsuisse.com/microsites/multiconcept/en.html.
The legal bases of the funds are available free of charge to investors resident in Austria at the following addresses:
Austria:
The Management Company, MultiConcept Fund Management S.A., will ensure that all the requirements according to EU directive 2019/1160 article 92 are met and will act as the Facility Agent (the “Facility Agent”) for investors in Austria.
The Facility Agent may be contacted as follows:
MultiConcept Fund Management S.A.
5, rue Jean Monnet
L-2180 Luxembourg
Telephone: +352 436161-1
Email: list.lux-multiconcept@credit-suisse.com
Website: https://www.credit-suisse.com/microsites/multiconcept/en.html
All payments which are intended for Shareholders (including proceeds of the redemption of Shares and any disbursements or other payments) may be channeled, at their request, via the Facility Agent. The Facility Agent will disburse its payments to the registered Shareholders domiciled in Austria.
The Prospectus, PRIIPs, copies of the Articles of Incorporation, audited annual report and unaudited semi-annual report (once available), each in paper form, as well as the issue and redemption prices are available and may be obtained free of charge at the office of the Facility Agent and/or Management Company. Furthermore, relevant contractual agreements and information regarding the procedures and arrangements established to allow the exercise of and to safeguard investor rights in accordance with Article 15 of Directive 2009/65/EC (investor complaints) may be obtained free of charge at the office of the Facility Agent and/or Management Company. Moreover, the NAV, the issue, redemption and conversion prices are also available free of charge at the office of the Facility Agent and/or Management Company.
Any required notices to Shareholders, which may also be obtained from the Facility Agent and/or management company, will be sent to investors by email to the email address stated in the register of Shareholders. The issue and redemption prices will also be published on https://www.creditsuisse.com/microsites/multiconcept/en.html.
The legal bases of the funds are available free of charge to investors resident in Germany at the following addresses:
Germany:
The Management Company, MultiConcept Fund Management S.A., will ensure that all the requirements in accordance with section 306 a (1) and (2) of the KAGB are met and will act as the Facility Agent (the “Facility Agent”) for investors in Germany.
The Facility Agent may be contacted as follows:
MultiConcept Fund Management S.A.
5, rue Jean Monnet
L-2180 Luxembourg
Telephone: +352 436161-1
Email: list.lux-multiconcept@credit-suisse.com
Website: https://www.credit-suisse.com/microsites/multiconcept/en.html
All payments which are intended for Shareholders (including proceeds of the redemption of Shares and any disbursements or other payments) may be channeled, at their request, via the Facility Agent. The Facility Agent will disburse its payments to the registered Shareholders domiciled in Germany.
In particular details on how investors can request redemption or conversion of units and when they are entitled to receive payments – must be included in the prospectus specific to Germany which is used for marketing within Germany.
The Prospectus, PRIIPs, copies of the Articles of Incorporation, audited annual report and unaudited semi-annual report (once available), each in paper form, as well as the issue and redemption prices are available and may be obtained free of charge at the office of the Facility Agent and/or Management Company. Furthermore, relevant contractual agreements and information regarding the procedures and arrangements established to allow the exercise of and to safeguard investor rights in accordance with Article 15 of Directive 2009/65/EC (investor complaints). may be obtained free of charge at the office of the Facility Agent and/or Management Company. Moreover, the NAV, the issue, redemption, and conversion prices are also available free of charge at the office of the Facility Agent and/or Management Company.
Any required notices to Shareholders, which may also be obtained from the Facility Agent and/or management company, will be sent to investors by email to the email address stated in the register of Shareholders. The issue and redemption prices will also be published on https://www.credit-suisse.com/microsites/multiconcept/en.html..
In addition to that, in the cases referred to in section 298 (2) KAGB as well as in the case of any discontinuation of marketing referred to in section 311 (5) or (6) KAGB an additional publication will be made in the Federal Gazette (www.bundesanzeiger.de).
No advice / no offer
The information on this ESGAM Web is for information purposes only. Neither the information nor any opinion expressed in this website constitutes a solicitation, an offer, or a recommendation to buy, sell or dispose of any investment, to engage in any other transaction or to provide any investment advice or service. ESGAM is not intending to provide investment or other advice to you or any other party, and no information or material at the ESGAM Web is to be relied upon for the purpose of making or communicating investments or other decision. The investment instruments and services described may not be suitable for you or may be unavailable. Please consult an expert in the relevant field before deciding to take any specific action. No information contained in or accessed from the ESGAM Web should be construed as creating any contractual relationship between the providers of such information and website users.
None of the services, investments or mutual funds referred to in this website are available to persons resident in any country, state, or jurisdiction where it would be contradictory to local laws and/or regulations to publicly offer such products. Prospectuses in respect of such products/services will not be distributed in any country, state, or jurisdiction in which it would not be lawful to do so. In any event, subscriptions in mutual funds should solely be made based on the currently valid version of the relevant fund documents such as the prospectus, respectively the fund contract, the PRIIPS and the most recent annual and semi-annual reports. We recommend that you seek advice in advance from an independent advisor, specialized in finance, legal, accounting and tax.
No liability
Although ESGAM AG believes that it has taken due care in compiling the contents on ESGAM Web, ESGAM does not provide any guarantee (including but not limited to liability in respect of content provided by third parties) concerning quality, correctness, completeness, actuality of contents on ESGAM Web.
ESGAM and its information providers expressly disclaim all liability to any person in respect of anything and in respect of the consequences of anything done or omitted to be done wholly or partly in reliance upon the whole or any part of the contents on the ESGAM Web. Moreover, ESGAM and its information providers shall have no liability for any losses or damage arising from the use of or reliance on the information contained on the website, including, without limitation, any loss of profit or any other direct or indirect damage.
There is no obligation on the part of ESGAM to update or to remove contents on ESGAM Web. All information is provided on an as is basis without any representations or guarantees. Furthermore, ESGAM accepts no responsibility and gives no guarantee that the functions of ESGAM Web will not be interrupted or are free from errors, that any faults will be corrected, or that the ESGAM and servers from which information is accessible will be free of viruses, trojan horses, worms, software bombs or other harmful components and programs and ESGAM accepts no liability in respect thereof.
ESGAM expressly reserves the right to change or supplement parts of the ESGAM Web or the entire website without prior notice, as well as to supplement it or delete items therein. All published information, especially price and calculation data or forecasts, are based on the knowledge and/or market assessment as at the time specified in the respective publications. ESGAM shall not be liable for any direct or indirect loss or damage, including but not limited to loss of profit, that may be suffered as a result of information provided on the ESGAM Web, or for any loss or damage resulting either directly or indirectly from use of the ESGAM Web and the information contained therein.
Risk considerations with regards to financial products or services
The value of investments and the income from them may go down as well as up and investors may not get back the amount invested. Past performance is not a reliable indicator of current or future performance. Performance data does not take commissions and costs charged when financial instruments are issued and redeemed, as well as any custodian fees or withholding tax that could potentially reduce the value, into account. The return may go down as well as up due to changes in rates of exchange between currencies. The value of invested monies can increase or decrease and there is no guarantee that all or part of your invested capital can be redeemed.
Moreover, investments denominated in foreign currencies are directly and indirectly subject to exchange-rate fluctuations. Distributions made in connection with funds and other investment instruments may also vary. Investors thus face the risk of not recouping their original investment in full. Even a total loss of investment cannot be ruled out. Please carefully analyze the risks inherent in an investment instrument, in particular the risk considerations contained in the current valid fund documents of the respective fund. Investors should also be aware, that the liquidity of fund shares and other investment instruments may be limited. ESGAM can therefore provide no guarantee for the performance of financial instruments, products or services and investors must be prepared and be able to bear the risk of a total loss of their investment.
No orders
The input fields on the ESGAM Web are not intended to be used for placing orders for the purchase/sales of investment instruments with ESGAM. ESGAM shall not execute any orders placed in this way or notify the sender accordingly, and no legally binding contract shall come into effect between the sender and ESGAM. ESGAM denies any responsibility for such information placed in the input fields of ESGAM Web.
Intellectual property, copyright and trademark rights
All components of the ESGAM are protected by intellectual property laws and are the property of ESGAM or third parties. Users shall not acquire any rights, including rights in or to any software, trademarks or components of the ESGAAM Web, by downloading or printing any material from the ESGAM Web. Copyright notices and trademarks may not be changed or removed. Components of the ESGAM Web may not be reproduced in whole or in part in any manner or form (including electronic or printed form) without the prior written consent of ESGAM and unless full acknowledgement of the source is provided.
Users are not permitted to create hyperlinks or inline links from other websites to the ESGAM without the prior written consent of ESGAM.
Potential conflicts of interest
ESGAM, its directors or employees may have previously invested, may be currently investing or may in future invest in investment instruments in respect of which information or opinions are provided on the ESGAM Web. It is also possible that ESGAM has previously provided, is currently providing or will in future provide services to the issuers of such investment instruments. Furthermore, it is possible that employees or directors of ESGAM have previously performed, are currently performing or will in future perform certain functions on behalf of the issuers of such investment instruments, e.g., serving as director. ESGAM, its directors or employees could therefore have an interest in the future performance of investment instruments.
Changes to the Terms and Conditions of Use
ESGAM reserves the right to change these Terms and Conditions of Use from time to time. Therefore, please read the Terms and Conditions of Use whenever you access ESGAM Web and check whether you agree with the terms of any amended version. If you do not understand or do not accept any provisions of the present Terms and Conditions of Use, please exit the ESGAM Web.
Links to other websites
The ESGAM Web may contain links to the websites of other providers and information supplied by such providers (“External Links”). ESGAM provides links to external websites in addition to its own information solely with a view to enhancing user-friendliness and providing information to users. ESGAM has no control over the content of such external websites and accepts no responsibility or liability in respect of the accuracy, reliability, completeness, truth or currency of such material or its fitness for a particular purpose. ESGAM excludes all liability, including but not limited to liability for any direct or indirect loss or damage or any consequences that may arise out of or in connection with the use of content on external websites. Although linked sites are carefully selected, ESGAM has no control over the content of such sites. Accordingly, ESGAM accepts no liability in respect of the content of External Links, including any content that is altered after the link was created. ESGAM is not responsible for transferring such information, selecting the information sent or the recipients thereof, or altering any information provided. Such External Links are not automatically stored by ESGAM on a temporary basis due to the method used for creating and accessing links. Operators of websites accessible through the External Links are therefore solely responsible for the content of linked sites.
Moreover, ESGAM gives no warranty either that such websites or the contents thereof do not or will not infringe any third-party copyright, trademark, or other rights, or that such websites or the contents thereof are free of viruses or other harmful components. No warranty is given as to the authenticity of any documents available on the Internet.
Assignment and delegation
Both ESGAM and its legal successors and agents are entitled to rely on these Terms and Conditions of Use. ESGAM may assign any rights accruing to it under these Terms and Conditions of Use. ESGAM may also delegate its duties or assign any of its obligations under these Terms and Conditions of Use to third parties.