Last revised September 10, 2014
When accessing the LGT website, you must comply with the applicable legal provisions and observe any local restrictions. In particular, the information, data, texts, graphics, images, video clips and other publications (hereinafter referred to as "information") on the LGT website are not intended for persons from countries where access to and the dissemination of such information or websites would require prior registration, authorization or approval by LGT. Furthermore, the LGT website may not be accessed nor may information on the LGT website be retrieved by persons who, due to their place of residence, nationality or other reasons, are subject to a legal regime under which accessing such information or websites is unlawful.
Persons to whom such restrictions apply may not access the LGT web pages. Please consult the relevant laws and restrictions in effect at your place of residence and applicable to you in advance.
All information provided on the LGT website is for information purposes only. In particular, the information constitutes neither a recommendation, an offer or a solicitation to buy or sell securities, financial instruments or other investment products (hereinafter referred to as "investments") or to effect or enter into transactions (hereinafter referred to as "transactions") nor an advertisement for products or services. The information is not an aid to be used in making decisions about financial, legal, tax or other advisory matters; nor is it a suitable and sufficient basis on which to make decisions about investments or other transactions. Therefore, it does not replace the advice provided by a qualified professional.
Unless expressly stated or agreed otherwise, LGT does not accept instructions issued through the message box or by e-mail.
Market and investment reports and other publications on the LGT website are based on sources of information that LGT considers to be reliable. Nevertheless, LGT cannot vouch for the content of the information; nor can the information be regarded as a full account or summary of the investments, transactions, markets or developments mentioned therein. The content may change at any time or be based on incorrect third-party information. Therefore, LGT does not guarantee or accept liability for the accuracy, completeness or topicality of the information.
The value of investments may rise or fall at any time. Positive performance in the past is therefore no guarantee of positive performance in the future. In addition, investments in foreign currencies are subject to currency fluctuations. There is a possibility that investors may not receive back any or all of the amount they invested. Furthermore, potential investors should find out about the possible tax consequences of purchasing, owning and selling investments at their place of residence and, if necessary, obtain advice at their place of residence.
LGT has no influence over the layout or content of the websites of other operators (hereinafter referred to as "third-party websites"), even if they are linked to the LGT website or contain links to the LGT website. Therefore, LGT cannot accept responsibility for the accuracy, completeness, topicality or legality of the content of third-party websites or for any information, offers or services contained on them. Responsibility and liability for linked third-party websites lie with the operators in question.
Links from a third-party web page to an LGT web page require LGT’s prior written consent.
Social media are services with websites that are operated by third-party providers and therefore neither belong to nor are managed by LGT. LGT’s social media sites are a service provided without making any guarantee that the services will always be accessible, function properly or be suitable for particular purposes. LGT cannot control, confirm, influence or monitor the user comments or activities that result from LGT articles being forwarded by users to services of third-party providers or elsewhere. Information relating to business relationships with clients may not be communicated through social media. In addition, LGT does not accept responsibility or liability for data protection compliance by third-party service providers or operators of third-party websites linked through the services.
LGT reserves the right to amend or add to the information provided or to remove some or all of the information at any time without prior notification. However, LGT is not obligated to delete out-of-date information or to expressly indicate it as such.
All rights and titles to the LGT website and the information and programs contained on it (proprietary rights, copyrights, trademarks, logos, patents, further intellectual property rights and other rights) are owned by LGT or the holder of the right in question. Individual pages and/or sections of the LGT website may only be stored or printed out for private and internal purposes and provided neither the copyright notices nor the other designations protected by law are removed. Even after information or programs have been stored, printed out or otherwise used, all rights remain with LGT or the holder of the right in question. The reproduction (in full or in part), in particular the use of texts, sections of text or image material, transfer (electronically or by other means), modification, linking or use of the LGT website for public or commercial purposes requires LGT’s prior written consent.
The content and rights of third parties are marked as such. Their proprietary, patent, trademark, ownership or other protective rights must also be protected. The third parties’ consent or appropriate authorization is usually required in order to be able to use third-party content.
LGT and/or the members of its boards of directors, its managers and its employees may have or have had shares or positions or traded or acted as market makers in titles mentioned on the LGT website. Furthermore, such legal entities or natural persons may have or have had a relationship with entities mentioned on the LGT website, provide or have provided corporate finance or other services to those entities, or have or have had a seat on their management board.
LGT expressly disclaims all liability for direct or indirect losses (including lost profits), damage, liability claims, receivables, costs or consequential damage that result from the use of or access to the LGT website or from links to third-party websites or that may occur due to information being retrieved on the LGT website. This also applies to liability as a result of negligence, even if LGT was informed about the possibility of such consequences.
LGT also disclaims all liability for any kind of manipulation of the user’s IT system. It specifically draws attention to the risks of viruses or other harmful programs and to the possibility of hacking attacks. It is highly recommended, therefore, that you use the latest browser versions and anti-virus software.
Please read the data protection notice, which informs you about how LGT handles personal data and about data security on the Internet.
By using the LGT web pages, you confirm that you have read, understood and accepted both the general legal information and this special legal information. These legal provisions apply to all information provided electronically by LGT and may be amended at any time and without prior notice. If you are not in agreement with the general legal information and with this special legal information, we would ask you to refrain from accessing the web pages. Any special agreements concerning individual LGT products and services apply in addition to these legal provisions; however, if there is a conflict, the special agreements take precedence.
User access, use of the pages, the general legal information and this special legal information are governed by Liechtenstein law. The exclusive place of jurisdiction is Vaduz.
The information, expressions of opinion, products, data, services, tools and documents included or described on these web pages ("content of the web pages") are for information purposes only and do not represent an advertisement or a recommendation, an offer or an invitation to subscribe (or purchase) or redeem (or sell) units, to effect a transaction or to conclude any kind of legal transaction.
The collective investment schemes mentioned on this website are not suitable for all investors. The information provided on the website does not represent a financial, legal, tax and/or other kind of recommendation. Investment decisions or other decisions should not be made solely on the basis of this document. In particular, you should not undertake investments before you have read the relevant fund contract and/or legal prospectus, the annual and semi-annual reports, the articles of association (if applicable) and all other documents which are required by local legislation or regulations in the jurisdictions or countries in which the relevant collective investment scheme is authorized or allowed for public distribution, offer or sale.
In order to ascertain whether an investment in units of a certain investment fund is in line with your specific needs and risk expectations, we recommend that you contact an independent financial advisor. We also recommend that you consult an independent tax advisor in order to find out, with respect to your personal circumstances, about the tax rules connected with a specific investment in your jurisdiction.
The content of the web pages may be changed at any time and without prior notice. LGT provides no guarantee and gives no assurances of any kind (including towards third parties) of the accuracy, correctness, completeness and up-to-date status of the content of the web pages. In particular, LGT is not obliged to remove any outdated information from the web pages or to expressly mark it as being outdated. Onward distribution of the content of the web pages and reproduction thereof, completely or in excerpts, are not permitted.
All data available through these web pages, including, amongst other things, financial market data, price data, reports, research or other financial information, are based on sources which were deemed reliable and carefully selected. All available information is provided to the user without guarantee of freedom from defects and without express or tacit assurances or guarantees with respect to quality, authenticity, infringement against intellectual property rights or suitability for a given purpose.
The fact that a user accesses the web pages does not make that user a client of LGT.
Expressions of opinion, assessments and forecasts on the web pages originate with their authors and from the point in time when they were drawn up, and do not necessarily reflect the views of LGT. They may be changed at any time without prior notice. LGT and its contractual partners have the right to withdraw or change information, data and documents as well as the products or services described here at any time and without prior notice. All information which is furnished with a date is published only for this date. There is no obligation or responsibility to update or correct such information.
The information published on the LGT website is intended not for specific persons, but generally for readers with an interest in LGT investment products. Those wishing to buy investment products should in every case pay close attention to the sales prospectus with integrated investment regulations and the annual/semi-annual reports before doing so. LGT's investment products are not approved for sale in all countries of the world. The LGT website is not intended for persons subject to a jurisdiction that prohibits the publication of or access to the LGT website due to their nationality or domicile or for any other reason. Persons subject to such restrictions may not access the LGT website.
"In particular, LGT investment products are not registered investment companies under the United States Investment Company Act of 1940 and these securities have not been registered under the United States Securities Act of 1933 (the "Act") and are not offered, sold or distributed in the United States or to U.S. persons (as defined in Regulation S under the Act). Nothing contained herein shall constitute an offer or solicitation of an offer to invest in any such investment products in the United States or to U.S. persons."
The term "United States" in the context of this document refers to the United States of America, its individual states, territories and dominions as well as all regions under US jurisdiction.
Only collective investments approved and registered for public sale in the United Kingdom may be publicly offered and sold in the United Kingdom. LGT investment products are not registered in the United Kingdom. The information on LGT's Web pages is thus not intended for UK residents.
A positive performance in the past is no guarantee of a positive performance in the future. The risk of falling prices, foreign currency losses and fluctuating returns due to exchange rates which are unfavorable for investors cannot be excluded. It is possible that investors will not get back the full amount they invested. Commissions and charges levied on the issuance and redemption of units are debited separately to each investor. They are therefore not taken into account in the performance shown here.
Investors are specifically advised that certain investments are highly volatile. Such investments, such as derivatives, may be subject to significant price fluctuation, which may be equal to or greater than the amount of capital invested.
Certain specific investments may not be immediately realizable. It may therefore be difficult for investors to sell an investment, realize a profit, or obtain reliable information as to its value or the degree of risk to which the investment is exposed.
When buying or selling investments involving a contingent liability, not only may you lose the amount invested, but in certain circumstances you may also be required to pay an additional amount.
Legal information - © LGT - All rights reserved
Please find the current version of the data privacy notice for natural persons (hereinafter referred to as the “Data Privacy Notice”) below. The Data Privacy Notice provides an overview of the processing of personal data in private banking and the resulting rights of the natural persons concerned in accordance with the provisions of the EU General Data Protection Regulation.
We reserve the right to amend or update the Data Privacy Notice from time to time and to publish it on our website. The respective date of update is given at the top of the Data Privacy Notice.
If you have any questions, please do not hesitate to contact your relationship manager. You can find information on the controller and the contact details of the data protection officer in the Data Privacy Notice.
Valid from May 2018
The protection of your personal data is especially important to us. We therefore process your data in accordance with the lawful basis provided by the legal provisions (General Data Protection Regulation "GDPR", Data Protection Act "DPA"). With this data privacy notice we would like to inform you of the most important aspects pertaining to the processing of your personal data which we collect when you use our website, social media profiles, mobile apps or any other web applications. We would also like to explain some of the measures used to ensure the confidentiality of the transmitted data and to protect your privacy.
This data privacy notice applies to the website of the LGT Group. We reserve the right to amend this data privacy notice without prior notice in order to adapt it to changed legal circumstances or changes to our range of services and products or data processing policy. Amendments enter into force when they are published on our website. Some pages may contain links to other providers within and outside the LGT Group, to whom this data privacy notice does not apply. We do not accept any liability whatsoever for the contents of such sites.
If you establish contact with us by e-mail or by using the form provided on the website, the data provided are processed in order to handle the inquiry, to establish contact and for technical administration purposes.
We collect, process and use personal data on our website in order to offer you even better information, products and services, to align our business processes even more to our clients, and to guarantee efficient access to information and online banking applications.
When you use the LGT website, access data (e.g. log files, IP address, date and time of access, name of the requested file, access status, page from which access is gained, top-level domain, web browser used, operating system used) are stored. We use these data for statistical purposes, for technical analysis, to improve the server infrastructure, to ascertain the frequency of access, and to draw conclusions about improving the user-friendliness and functionality of the website.
Our website uses what is known as cookies. Cookies are small text files that are saved by the browser on your computer. They do not cause any damage, but serve only to make it easier for you to use and individualize the website.
Some cookies remain stored on your computer until you delete them. They allow us to recognize your browser when you visit our website again. These include, for example, cookies which are technically necessary for the functioning of our website or which offer a service or option requested by you, e.g. a cookie that stores your personal settings, such as the language selected by you.
For this purpose, we use the following third-party service providers on our website:
a. Google Analytics provided by Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA ("Google")
The cookies used for analysis by Google Analytics do not contain any personal data. Your IP address is abbreviated directly on your computer. Your IP address is sent to Google Analytics in this anonymized form. Google Analytics will not link your IP address to other information held by Google Analytics and will only pass on data to third parties where this is provided for by law.
You can refuse permission for Google Analytics cookies to be used in future at any time by clicking on this opt-out link:
- Opt-out Google Analytics: https://support.google.com/analytics/answer/181881?hl=de
b. Webtrends Analytics provided by Webtrends Inc., 851 SW 6th Ave. Suite 1600, Portland, OR 97204, USA (“Webtrends”)
The cookies used for analysis by Webtrends do not contain any personal data. Your IP address is abbreviated directly on your computer. Your IP address is sent to Webtrends in this anonymized form. Webtrends will not link your IP address to other information held by Webtrends and will only pass data on to third parties where this is provided for by law.
You can refuse permission for Webtrends cookies to be used in future at any time by clicking on the following opt-out link:
- Opt-out Webtrends: https://ondemand.webtrends.com/support/optout.asp
When visiting some of our sites, providers of targeting services can store temporary cookies on your computer's hard disk or your mobile device, which will be automatically deleted after a specified period. These cookies contain computer-generated alphanumeric identifiers that do not permit any conclusions about your person or the IP address of your computer. You can prevent the use of targeting cookies by changing your browser settings so that no cookies are stored.
The above cookies are used to collect anonymized data that make it possible to analyze the use of our website.
To enable you to share the contents of our website via social media channels (Facebook, Twitter, etc.), a cookie has to be installed on your computer. Once this function has been activated, the relevant third-party provider is responsible for the further processing of the data.
Our website can also be used without cookies. However, the functionality of our website may be limited if you do not allow or disable cookies. If you do not wish any cookies, you can change your browser settings to notify you when a cookie should be set, which will allow you to approve cookies on an ad hoc basis only. You can also set your web browser to automatically disable cookies. Please note that most browsers offer different options for protecting your privacy. As a rule, instructions for managing cookies in your browser are available in the browser's Help function or in the instruction manual for your computer. Instructions for disabling cookies in the most common browsers can be found at the following links:
- Internet Explorer: http://windows.microsoft.com/de-DE/windows-vista/Block-or-allow-cookies
- Firefox: https://support.mozilla.org/de/kb/cookies-erlauben-und-ablehnen
- Chrome: http://support.google.com/chrome/bin/answer.py?hl=de&hlrm=en&answer=95647
- Safari: https://support.apple.com/kb/ph21411?locale=de_DE
- Opera: http://help.opera.com/Windows/10.20/de/cookies.html
Third-party contents and services can be incorporated into our website (known as externally embedded components or plugins/widges). These always require that the third-party providers of these contents use the visitor’s IP address, as no contents can be sent to the visitor's browser without the IP address.
If you click on the relevant symbol, you consent to communication with the relevant platform and the transmission of information to the third-party provider in question. This does not apply to the following services, where data are transmitted to the relevant third-party provider without you having to click on the relevant symbol:
a. Youtube videos provided by Google LLC., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA (“Google”)
If you click on pages incorporating YouTube videos, a connection is established to Google's “DoubleClick” network.
As soon as you go to a site incorporating a Youtube video, cookies are activated to collect information on user behavior. Google uses these data to create and analyze user profiles. If you have a Google account and are logged in to this account, your data are also linked to your Google account. You have the right to object against the creation of user profiles, which you can exercise towards Google.
b. Google Maps provided by Google Maps (API) of Google LLC., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA (“Google”) to show our locations and to make it easier to find your way to us
If you click on pages incorporating maps provided by Google Maps, data (e.g. IP address) are transmitted to and stored on Google's systems in the US. Google uses these data to create and analyze user profiles. If you have a Google account and are logged in to this account, your data are also linked to your Google account. You have the right to object against the creation of user profiles, which you can exercise towards Google.
You can prevent the future transmission of your data when you use Google Maps by disabling the web service of Google Maps in your browser.
We have no control over the scope of the data that are collected by the relevant third-party providers with the help of their plugins or your use of websites that incorporate certain services offered by third-party providers. If you use the services of third-party providers, the relevant third-party provider is responsible for the further processing of the data.
You can subscribe to our newsletter on our website. To this end we need your e-mail address and your confirmation that you agree to the newsletter subscription.
To provide you with targeted information, we also collect and process information on your areas of interest, date of birth, place of residence, etc. that are voluntarily provided by you.
Once you have registered for the newsletter, we send you a confirmation e-mail with a link that must be used to confirm the registration.
You can cancel your newsletter subscription at any time. Please send your cancellation to the following e-mail address: email@example.com, or click on the link provided in the newsletter. We will immediately delete your data collected in connection with the newsletter subscription, unless you explicitly consent to the continued use of your data or we have reserved a legally permitted right to continue to use your data.
The newsletter is sent out by internal LGT units.
When you visit our website, please note that the IP data of the telephone subscriber are stored in connection with cookies. Under certain circumstances, personal data such as the name and address of the visitor can also be collected (via input screens).
In accordance with the provisions of data protection law, visitors to our website are informed of every use of personal data collected on the website that goes beyond targeting. We collect, use and process personal data that are needed for the performance of a contract or the initiation of business contact or on the basis of your explicit consent, which can also be given electronically (e.g. when ordering brochures).
We collect, use and process personal data for the purposes indicated and in accordance with the following lawful basis. Where the processing of the data is based on your explicit consent (e.g. subscription to a newsletter), you can withdraw your consent at any time with future effect. Personal data provided to us via our website are only stored until the purpose for which they were provided has been achieved. If a contract is concluded, the data relating to the contractual relationship are stored until the expiry of the statutory safekeeping or limitation periods.
Upon capture by you, the information collected on this website is forwarded to the competent unit within the LGT Group. The data remain confidential during this process. The data are not disclosed to third parties, unless this is required to meet a request (e.g. the sending of brochures or newsletters by a service provider). Personal data are only used for the purpose given on the relevant page of our website where your data were collected. The use of state-of-the-art security software and certified encoder and encryption procedures ensure that our IT infrastructure complies with international security standards. We have also implemented additional comprehensive safeguards and technical as well as organizational measures to protect your data against loss, unauthorized access and misuse in accordance with state of the art technology for Internet access to accounts and custody accounts.
Regardless of the measures taken to protect your data, it is true that data protection and confidentiality in data processing can be limited for media that are universally accessible. When using the Internet to send transmissions from a computer, mobile phone or another device, it cannot by its nature be excluded that third parties can obtain access to your data and can draw inferences concerning a possible business relationship, or that personal data are transmitted to third countries without our support or knowledge.
We also have to point out that very sensitive information and data, in particular personal or account data, should only be transmitted via secure communication channels. The capture and/or transmission of personal or business data on our website or in the context of another digital service is done voluntarily, without any assurances and in full knowledge of the associated risks. We do not accept any liability whatsoever for direct and indirect damage or loss incurred as a result of using our website, the digital services or their contents.
Your data are processed for the purposes of a legitimate interest (Art. 6 para. 1 (f) GDPR):
- pursued by us, in processing your request, achieving the highest degree of stability and functionality for our website, effectively designing our website, preparing statistical analyses of visitor behavior for optimization and marketing purposes, ensuring the secure and user-friendly dispatch of our newsletter, engaging in targeted advertising or personalized direct advertising, or
- pursued by a third-party provider (e.g. Google, Youtube) in incorporating personalized advertising based on visitors’ surfing behavior or on market research. The third-party providers have undertaken to observe the Privacy Shield Framework between the EU and the US regarding the collection, use and storage of personal data from EU member states.
Where necessary, your data can also be processed for the purposes of performance of a contract or the initiation of business contact or on the basis of your explicit consent.
You have the following data protection rights with regard to your personal data (Art. 15 to 21 GDPR):
5.1 Right of access
You can request information from us on whether and to what extent your personal data concerning you are being processed (e.g. categories of personal data concerned, purpose of processing, etc.)
5.2 Right to rectification, erasure and restriction of processing
You have the right to obtain without undue delay the rectification of inaccurate or incomplete personal data concerning you. In addition, your personal data must be erased if these data are no longer necessary in relation to the purposes for which they were collected or processed, you have withdrawn your consent or these data are being unlawfully processed. Furthermore, you have the right to obtain restriction of processing.
5.3 Right of withdrawal
You have the right to withdraw your consent for the processing of your personal data for one or more specific purposes at any time if processing is based on your explicit consent. This shall also apply to the withdrawal of declarations of consent that were submitted before the GDPR came into effect, i.e. before 25 May 2018. Please note that the withdrawal of consent is only effective for the future. Processing that was carried out before the withdrawal is not affected. The withdrawal does not have any effect on data processing based on other legal bases either.
5.4 Right to data portability
You have the right to receive your personal data, which you have provided to us, in a structured, commonly used and machine-readable format and to have these data transmitted to another controller (e.g. another bank).
5.5 Right to lodge a complaint
You have the right to lodge a complaint with the competent supervisory authority. You may also contact another supervisory authority of an EU or EEA member state, for example in your habitual residence, place of work or the place of an infringement of the GDPR.
The contact data for the competent supervisory authority are:
Data Protection Office Liechtenstein
Phone: +423 236 60 90
5.6 Right to object
In individual cases
If the processing of your personal data is carried out in the public interest or to safeguard the legitimate interests of LGT or a third party, you have the right to object, on grounds relating to your particular situation, at any time to this processing.
You have the right to object informally to the use of your personal data for direct marketing purposes at any time. Where you object to this type of processing, we shall no longer process your personal data for such purposes.
You can contact us at the following address if you have any questions regarding individual data processing activities or wish to exercise your rights:
LGT Group Holding Ltd.
Data Protection Officer
Phone: +423 235 11 22
Owing to a change in specifications, LGT Bank Ltd., Vaduz, has modified its General Business Conditions as well as its Safe Custody Regulations. We would like to inform you that both will come into effect on 1 January 2018. The General Business Conditions will be deemed to have been approved if no written objection is received within two months. The Safe Custody Regulations will be deemed to have been approved if no written objection is received within one month.
Your client advisor will be glad to answer any questions you may have.
Documents for Download
We make it our mission to ensure that our clients and business partners are satisfied. Nevertheless, should you wish to complain about a service, you can get in touch with us in one of the following ways:
We will need the following information from you so that we can process and respond to your complaint promptly:
Your complaint will be processed as quickly as possible with the relevant specialist department also being involved, although this may take some time depending on how complex your issue is.
You can also take your complaint directly to Liechtenstein’s extrajudicial Conciliation Board, which provides a free and neutral mediation service for settling conflicts between clients and banks. You can find more information at www.schlichtungsstelle.li