1. By using or downloading information from this Web site, you represent that you have read and understand these Terms and Conditions of Use, and our Privacy Policy and our Disclaimer, and agree to be bound by them. If you do not agree with these Terms and Conditions of Use (including our Privacy Policy and Disclaimer), in whole or in part, please do not continue to use this Web site.

2. We assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. While we strive to keep the information on this Site accurate, complete and up-to-date, we cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.

3. The information and services offered on this Site are provided with the understanding that we are not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site. We make no representation (either express or implied) that the information and opinions expressed on their website are accurate, complete or up to date. In particular, we shall not be obliged to remove any outdated information from our website or to expressly mark it as being outdated. Nothing contained on our website constitutes financial, legal, tax or other advice, nor should any investment or any other decisions be made solely based on our website content. You should obtain advice from a qualified expert before making any investment decision.

4. No information published on our website constitutes a solicitation or offer, or recommendation, to buy or sell any investment instruments, to effect any transactions, or to conclude any legal act of any kind whatsoever.

4. Compliance with Law : We control and operates this Web site from his offices within the Canton of Valais in Switzerland. We make no representation that the materials are appropriate or available for use in other locations. You are solely responsible for compliance with all applicable laws and regulations that may govern your access and use of this Web site.

5. This Site, the content and our services are not directed at or intended for distribution to any person (or entity) who is a citizen or resident of (or located or established in) any jurisdiction where the use of the Site (or the purchase of ours services) would be contrary to applicable law or regulation or would subject us to any registration or licensing requirement in such jurisdiction. Persons who wish to access this Site are required by us to inform themselves about and to observe any legal or regulatory restrictions which may affect their eligibility to access the Site or to subscribe for interests in our services. Professional advice should be sought in cases of doubt. In particular, citizens and residents of the United States are not to access the pages concerning funds and other types of investments.

5. Other Businesses and Links : This Web site contains links to Web sites or is linked to Web sites not under our control. We do not endorse the companies, products or Web sites that are linked to this Web site. Accordingly, we do not assume any responsibility or liability for the actions, products, or content of these Web sites. If you decide to access any of the third party Web sites linked to this Web site, you do so entirely at your own risk.

6. No Warranty : We disclaim any and all warranties, including, but not limited to: any warranties concerning the availability, accuracy, usefulness, or content of or uninterrupted access to information, products or services and any warranties of title, non-infringement, merchantability or fitness for a particular purpose. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft, or destruction or unauthorized access or, alteration of or use of record in connection with the use or operation of this service, whether for breach of contract, tortuous behavior, negligence or any other cause of action.

7. You use this Site at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, material, equipment or data, we are not responsible for those costs. THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. WE MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF WE HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

8. You agree not to transmit or post on the Web Site anything

under a false name;

i unlawful, libellous, defamatory, threatening, abusive, harassing, or otherwise objectionable information including without limitation, anything constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability, or otherwise under any applicable law;

ii that discloses another person's private or personal matters or which would violate a person's rights of privacy or publicity;

iii that contains a virus, worm, Trojan horse or any other contaminating or destructive features; or

iv that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets, confidential or proprietary information, or use trademarks or service marks in an infringing fashion.

9. All fees quoted in this website are in Swiss Francs (CHF) and excl. local VAT of 8 %.

10. These Terms & Conditions, our Disclaimer and and all legal relationships between the client and the company SHALL BE EXCLUSIVELY GOVERNED AND INTERPRETED IN ACCORDANCE WITH SWISS LAW. The place of performance of the obligations of both parties and the exclusive venue for any other kind of legal proceedings is Sion in the Canton of Valais in Switzerland.  We reserve the right to take legal action before the courts of the client's domicile or before any other competent court. If any of these conditions should be deemed invalid, unlawful, void or for any reason unenforceable, then that condition will be deemed severable and will not affect the validity or enforceability of the remaining conditions.

11. All materials on this Site (as well as the organization and layout of the Site) are owned and copyrighted or licensed by us © - All rights reserved. Some pictures are copyrighted by Fotolia.com or Valais Tourisme and their respective authors. Users of this website (users) may view the website and temporarily download any part of it to a personal computer for personal viewing for private purposes only but may not without our permission (a) store any part of it other than for the purposes set out in this paragraph; (b) print out copies except for personal viewing for private purposes, or (c) reproduce, copy or transmit it or any part of it in any other way for any purpose or in any other medium. Users may not alter the content in any way.