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
Last revised: 19/06/27
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 as part of the recruitment process and the resulting rights of the natural persons concerned in accordance with the provisions of the EU General Data Protection Regulation.
The document also contains the contact details of our data protection officer and the relevant data protection authority.
We reserve the right to amend or update the Data Privacy Notice from time to time and to publish it on the aforementioned website (the respective date of update can be found 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 February 2020
The protection of your personal data is very important to us. We process your data in accordance with the EU General Data Protection Regulation (“GDPR”), and the Data Protection Act. In this data privacy notice we inform you of the most important aspects pertaining to the processing of your data, which we collect when you use our website, social media profiles, mobile apps or any other web applications. This data privacy notice also explains some of the measures used to ensure the confidentiality of the data transmitted and to protect your privacy.
This data privacy notice applies to the website of LGT Group (“Website”). We reserve the right to amend this data privacy notice without prior notice of any changes (e.g. legal circumstances, product or services offering, data processing policy). Any amendments become applicable from the time they are published on the Website. Some pages may contain links to other providers (“Third-party Providers”) within and outside LGT Group, to which this data privacy notice does not apply. The conditions and data privacy notices of the respective Third-party Providers apply for the linked websites and content. We assume no liability in connection with linked third-party websites.
If you establish contact with us by e-mail or by using the contact form provided on the Website, your data are used for processing or post-processing of the inquiry, to establish contact and for technical administration purposes.
We collect and use personal data on the Website in order to improve the information, products and services provided, to further align our business processes with the needs of clients and visitors to the Website (“Visitors”) and to ensure efficient access to information and online banking applications.
When you use the Website, access data are stored (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). We use these data for statistical purposes, for technical analysis, to optimize the server infrastructure, to ascertain the frequency of access and to improve user-friendliness and functionality.
The Website uses what are known as cookies. Cookies are small text files that are stored by the browser on your end device. They do not cause any damage, and serve only to make it easier for you to use and individualize the Website.
If you do not wish for cookies to be used, you can set up your browser so that it informs you about the setting of cookies and enables you to allow this on a case-by-case basis. In addition, the most commonly-used browsers have a settings option enabling you to block or to disable cookies. Instructions on how to manage cookies on your browser can usually be found under the browser’s help function or in the instruction manual of your end device. For the most commonly-used browsers, instructions on how to disable cookies can also be found at the following links:
- Internet Explorer: https://support.microsoft.com/en-us/help/17442/windows-internet-explorer-delete-manage-cookies
- Firefox: https://support.mozilla.org/en-US/kb/enhanced-tracking-protection-firefox-desktop
- Chrome: https://support.google.com/chrome/answer/95647?hl=en&hlrm=en
- Safari: https://support.apple.com/guide/safari/manage-cookies-and-website-data-sfri11471/mac
- Opera: https://help.opera.com/en/latest/web-preferences/#cookies
Rejecting or disabling cookies, can, however, restrict the functionality of the Website.
Some cookies are necessary in order for the Website to function. Technically essential cookies remain stored on your end device for the intended duration (see table) or until you delete them.
You can delete technically essential cookies from your browser after using the Website.
We use the following cookies:
|Cookie name (type)||Provider||Description||Duration|
|AL_SESS_PR-S (HTTP)||LGT||Stores an identifier to assign page views to a specific user session (Session ID).||Session|
|jmaCPVideo (HTTP)||LGT||Stores the domicile selected to prevent certain citizens from viewing the footage.||30 days|
|lgtdomicil (HTTP)||LGT||Stores the domicile selected.||30 days|
|LGT-Cookie (HTTP)||LGT||Stores the cookie banner settings and the settings for external content (maps, videos).||365 days|
|lgtInternetQueryMedian (HTTP)||LGT||Used to store the user’s search history.||Session|
|lgtInternetQueryOldest (HTTP)||LGT||Used to store the user’s search history.||Session|
|lgtInternetQueryRecent (HTTP)||LGT||Used to store the user’s search history.||Session|
We strive to continuously improve the Website. To this end, cookies are used for website and performance analysis. These are cookies that provide us with overall statistics on the number of Visitors, the pages visited, etc. As a result, we receive statistical analyses, which we use to establish whether the Website is designed to meet the intended needs. Our providers are not able to identify you or to establish a connection with your person during this process.
We use the following cookies:
|Cookie name (type)||Provider||Description||Duration|
|_ga (HTTP)||Google Analytics||Serves to distinguish between users. Registers a unqiue ID to generate statistical data on how a visitor uses the website.||2 years|
|_gat (HTTP)||Google Analytics||Used to restrict the frequency of queries to Google Analytics.||1 minute|
|_gid (HTTP)||Google Analytics||Stores an identifier to associate requests with a particular logged-in user session.||24 hours|
|__hssrc (HTTP)||assessfirst.com||Enables visitors and traffic sources to be counted and to thus improve the performance of our website. This cookie helps to determine which pages are the most and least visited and how visitors move around the website. All information collected by this cookie is anonymous.||Session|
You can prevent the use of statistic cookies by not selecting “Statistics” in the “Cookie information” pop-up that appears when you visit the Website and clicking on “Confirm selection”
When you visit some of our pages, targeting service providers may store temporary cookies on your mobile end device that are automatically deleted after a specified period of time. Targeting refers to processes that enable the display of target group-specific or individualized content on websites. These cookies contain a machine-generated alphanumeric identifier that does not allow any conclusions to be drawn about your person or your end device’s IP address.
We use the following cookies:
|Cookie name (type)||Provider||Description||Duration|
|_sp_id.2b40 (HTTP)||Wistia.com||Used by Wistia to generate anonymized statistics on the use of videos.||1 year|
You can prevent the use of marketing cookies by not selecting “Marketing” in the “Cookie information” pop-up that appears when you visit the Website and clicking on “Confirm selection”.
Third-party content and services may be incorporated into the Website (known as externally embedded components or plugins/widgets). These always require that the Third-party Providers of such content use Visitors’ IP addresses, as no content can be sent to the Visitor's browser without the IP address.
In order to share website content via social media channels (Facebook, Twitter, etc.), a cookie must be installed on your end device. Once you have used this function, the responsibility for further data processing lies with the respective Third-party Provider. By clicking on the symbol, you consent to communication with the relevant platform and the transmission of information to the third-party provider in question.
We have no control over the amount of information that these Third-party Providers collect by means of the button or as a result of your use of pages that incorporate certain third-party services. If you use the services of Third-party Providers, the responsibility for the further processing of data lies with the respective third-party provider.
On the Website, we use the following third-party products for these purposes:
4.1 Google Analytics provided by Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA ("Google").
4.2 Wistia-Videos provided by Wistia Inc., 17 Tudor Street, Cambridge, MA 02139, USA
4.3 Google Maps provided by Google Maps (API) of Google LLC., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA (“Google”) shows our locations and makes it easier to find your way to us.
Content from Google Maps is blocked on the Website by default. You can prevent Google Maps from using cookies by not clicking on the “Load Map” button that appears on the maps. By clicking on the “Load Map” symbol or the “Always allow Google Maps” box, you consent to the setting of cookies and the transfer of personal data to Google Maps.
You can subscribe to our newsletter on the Website. To this end, we require your e-mail address and potentially further information for personalization purposes as well as your confirmation that you agree to the newsletter subscription.
Once you have subscribed to the newsletter, you will receive a confirmation e-mail containing a link to confirm the subscription.
You can cancel your newsletter subscription at any time by clicking on the corresponding link in the newsletter. Your data collected in connection with the mailing of the newsletter will then be deleted, unless you have granted explicit consent to the continued use of your data or we have reserved the legal right to continue to use your data.
The mailing of our newsletters and the processing of the data of the newsletter recipients is carried out by contracted providers based in the EU, who are obligated to comply with the GDPR.
Due to cookies, the IP data of the owner of the connection is stored when visiting the Website. Under certain circumstances, personal data such as the Visitor's name and address may also be collected via input masks.
Visitors to the Website are informed of the collection of personal data on the respective pages. We use personal data for whose processing you have granted us consent (e.g. when subscribing to newsletters or ordering brochures) or that are necessary for the performance of a contract or the initiation of business contact.
Personal data that we collect via the Website are only used in accordance with the purpose that results from the page in question and will be stored until this purpose has been fulfilled. In the event of the conclusion of a contract, the data from the contractual relationship will be stored until the statutory retention or limitation periods have expired.
The data collected on the Website that have been entered by you are forwarded to the competent unit within LGT Group. The data remain confidential during this process. The data are not disclosed to third parties, unless required (e.g. the mailing of newsletters or brochures by a provider).
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 security measures 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.
Irrespective of the measures taken to protect your data, data protection and confidentiality may be limited when data is processed via universally accessible media. When using the Internet to send transmissions from a computer, mobile phone or another end device, it cannot by its nature be excluded that third parties can obtain access to your data and in so doing, can draw inferences concerning possible business relationships, or that personal data are transmitted to third countries without our cooperation or knowledge.
We recommend that particularly sensitive data, especially personal data and data relating to client relationships (account, custody account, transactions, etc.), be transmitted only via secure communication channels. Due to the risks involved, your entry or transmission of personal or business data within the scope of the Website or other digital services is done voluntarily and without any assurances. We do not accept any liability for direct and indirect damages arising in connection with the use of the Website, digital services or their contents.
Your data are processed on the basis of a legitimate interest (Art. 6 para. 1 (f) GDPR) for the following purposes:
- As the operator of the Website, we have a legitimate interest in the effective design of the Website, the highest degree of stability and functionality of the Website, the statistical analysis of visitor behavior for optimization and marketing purposes, the targeted advertising or personalized direct advertising and the secure, user-friendly mailing of newsletters.
- Due to the legitimate interest of a Third-party Provider (e.g. Google, Wistia) to incorporate 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 required, 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 subject rights with regard to your personal data (Art. 15 to 21 GDPR):
- The right to information: you can request information about whether and to what extent we process your personal data.
- The right to rectification, erasure and restriction of processing: you can have inaccurate or incomplete personal data rectified or you can demand that your data be erased (e.g. if they are no longer necessary, you have withdrawn your consent, or these data are being unlawfully processed) or that the processing thereof be restricted.
- Right of revocation: you can revoke your consent for the processing of your data at any time. The revocation of consent is only effective for the future and does not have any impact on the lawfulness of the data processed until the time of revocation. Revocation also has no impact on data processing conducted based on a different legal basis.
- Right of data portability: you can have the data which you have provided to us transmitted in a structured, commonly-used and machine-readable format.
- Right to lodge a complaint: if you feel that your rights have been violated by our data processing, you can lodge a complaint with the Liechtenstein Data Protection Office or another supervisory authority of an EU or EEA member state (e.g. in your place of residence or work or in the place where the GDPR was violated).
The contact details of the competent supervisory authority are:
Phone: +423 236 60 90
- In individual cases: if the processing of your data is carried out in the public interest or to safeguard legitimate interests by us or a third party, you can object to this processing at any time on grounds relating to your particular situation.
- Direct marketing: you can object informally to the use of your data for direct marketing purposes. In the case of such an objection from you, we shall no longer process your data for such purposes.
Please contact us at the following address if you have any questions regarding data protection or wish to exercise your rights:
LGT Group Holding Ltd.
Data Protection Officer
Phone: +423 235 11 22
Below you will find documents relating to the banking relationship such as General Terms and Conditions, Safekeeping Account Regulations, General Provisions on Payment Services and other useful information in the currently valid version. In addition, you will find the current Articles of Association of LGT Bank Ltd. below.
Your client advisor will be glad to answer any questions you may have.
The bank is affiliated to the "Deposit Guarantee and Investor Compensation Foundation PCC" (EAS). The scope of the liabilities protected by the Deposit Guarantee and Investor Compensation Foundation PPC as well as further information can be accessed on the website of the Deposit Guarantee and Investor Compensation Foundation PPC.
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