Legal notices

The website is the internet presence of Baloise Investment Foundation for Pension Funds (hereinafter: "BIPF"), a Group-related Baloise Holding AG foundation. The website is operated by Baloise Life Ltd on behalf of BIPF and on behalf of Baloise Life Ltd on the systems of Baloise Insurance Ltd (both hereinafter referred to as “Baloise”) and designed in cooperation with various partners.
Persons accessing this website and calling up information from it hereby agree to the following terms and conditions.

Local legal restrictions
Unless otherwise indicated, this website is not intended for persons who are not authorised to access it according to the jurisdiction they are subject to. In addition, the BIPF products and services presented on the website are exclusively for persons resident and/or subject to social insurance law in Switzerland.

Use of the website
In designing and operating its websites, Baloise takes all necessary technical and organisational measures and precautions to ensure that they run smoothly. Nevertheless, issues such as loss or falsification of data, virus attacks, operational disruption etc. cannot be ruled out. Users access the websites at their own risk. In particular, Baloise provides no guarantee for the faultless and overall functioning of the website. It also cannot guarantee that the website or the server hosting it is free of viruses or harmful components.

Disclaimer of liability
Baloise shall not be liable for any loss or damage, or consequential loss or damage, resulting from access to the BIPF website or individual elements contained on the website or their use (or any inability to access or use them) or from links with other websites.

Baloise retains the right to deny access to its websites at any time and without prior notice or to issue a ban if necessary. Baloise shall not be liable for any loss or damage, or consequential loss or damage, resulting from the interruption or blocking of access.

Exclusion of warranty
Baloise exercises due diligence to ensure that the information published on the websites is correct and up to date at the time of publication. However, neither Baloise nor its contractual partners can give any implicit or explicit assurance or warranty (incl. in relation to third parties) regarding the accuracy, reliability or completeness of the information provided.
None of the information on this website therefore constitutes an offer, recommendation or solicitation (or similar) for an investment or product decision. Neither Baloise nor its contractual parties are therefore liable for losses incurred due to decisions of any kind taken on the basis of erroneous, inadequate or missing information.

Forward-looking statements
The information on the BIPF website may contain forecasts or other forward-looking statements about BIPF that contain risks and uncertainties. Readers are cautioned that these statements are only projections and may differ significantly from actual future results or events. All forward-looking statements are based on information available to Baloise on the date of its initial publication and Basler assumes no obligation to update such statements unless otherwise required by applicable law.

Right of amendment
Baloise expressly reserves the right to modify information on its websites at any time and without prior notice.

Web links
The BIPF website contains links to other websites. Baloise has not checked these sites and assumes no responsibility for their content, for the products or services offered or other offers made there, or for adherence to data protection provisions. Users activate any links at their own risk.

All elements of the BIPF website are protected by copyright (all rights reserved) and exclusively owned by Baloise. Website contents may only be downloaded, copied, saved and edited, fully or in part, for private use. If elements are reproduced in any form (electronically or in print), either in whole or in part, Baloise must be specifically mentioned by name. Copyright notices, trademarks and other legally protected designations may not be altered or removed. Full or partial reproduction or use for public or commercial purposes is prohibited without the prior written consent of Baloise. Third-party copyrights are reserved.

Applicable law and place of jurisdiction
All legal relations resulting from access to the BIPF website are governed by Swiss law. The exclusive place of jurisdiction is Basel.