Terms and Conditions

1. Introduction

1.1 These terms and conditions ("the Terms") govern your use of this Floreat Family Office Services AG. ("Floreat") web site ("web site"). By accessing the web site you are agreeing to the Terms, whether or not you register as a user. Please read through the Terms. If you do not agree with the Terms, please do not use this web site.

1.2 Floreat reserves the right to suspend or terminate your access and use of the web site any time.

1.3 Floreat shall not be liable if the content of this web site, or any viewing of it by you, is contrary to the laws applying in the place of access. If you have any doubt, you should cease using this web site.

2. Use

2.1 All material on the web site, and unless otherwise specified, belongs to Floreat, or licensors.

2.2 Except as stated in the paragraph 2.3 below, the contents of this web site may not be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means without the prior express written permission of Floreat.

2.3 You may print or download to disk, at your own risk, the contents of an individual page of this web site for your legitimate dealings with Floreat. You may make one electronically stored, transient copy of the content of this web site for the purpose of viewing it while connected to the Internet.

2.4 You may not do any of the following without the written permission of Floreat:

2.4.1 remove the copyright or trademark notice from any copies of content under these Terms;

2.4.2 create a database in electronic or structured manual form by systematically downloading and storing any content;

2.4.3 link to or frame any content from, the web site;

2.4.4 alter content downloaded from this web site.

2.5 Your use of this web site does not permit use of any logo, name service mark or trademark of Floreat or any of its suppliers or contributors to this web site other than incidentally when viewing or downloading any of the content.

2.6 If you are asked to register on any area of the web site, on registration you must provide Floreat with accurate, complete registration information and it is your responsibility to inform Floreat of any changes to that information (in particular your email address) by emailing This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

2.7 You are responsible for all use of the web site and access made by you or anyone else using your user name and password (collectively "Identification") and for preventing unauthorised use of your Identification. If you believe that there has been any breach of security, such as the disclosure, theft or unauthorised use of your Identification you must notify Floreat immediately by emailing This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

2.8 If on registration (or on amendment of your registration details) you provide Floreat with an email address that will result in any emails Floreat may send being sent to you via a computer network operated by or on behalf of your employer or educational establishment (or similar) then you are warranting that you are entitled to receive emails at that address. You also agree that Floreat may stop sending any emails to such address without notifying you, even if you have subscribed to receive them or any other service, if we receive a request from your employer or educational establishment (or otherwise) to stop sending emails to that address.

2.9 Floreat may give you the option to subscribe to different services. Your use of the content received through any service will be subject to these Terms. We will let you know if you will be subject to any further terms and conditions.

2.10 You may use the web site to purchase products or services from third parties. In that event, your contract for such products may be with the third party instead of or in addition to Floreat, so you should check any terms and conditions of the third party as well.

3. Software

3.1 Copyright in any software that is made available for download from the web site ("Software") belongs to Floreat or its suppliers. Your use of the Software is governed by the terms of any licence agreement that may accompany or be included with the Software. Do not install or use any Software unless you agree to such licence agreement.

3.2 Floreat may from time to time give you the option to modify your browser. In that event, a dialogue box will be shown on your screen requiring your authorisation for the modification to proceed. By clicking the "Acceptance" button (or equivalent) on the dialogue box, you will allow Floreat to modify your browser to enable you to view the service on your screen at the same time as you work on other applications.

4. Security

4.1 You must not modify or contaminate this web site or seek to violate its security.

4.2 If Floreat suspects that there is a risk to the security of the web site, it shall be entitled to suspend or restrict access until it is satisfied the risk has ceased.

5. Limitation of Floreat's Liability

5.1 The information contained in the material in this web site is only for general information purposes and is not intended to address your particular requirements. While Floreat uses reasonable efforts to include accurate, complete and up-to-date information on this web site, Floreat makes no warranties or representations as to its accuracy, completeness or timeliness. Floreat and its associate companies do not accept responsibility for any statement on the web site or any reliance on it.

5.2 To the extent permitted by law, Floreat excludes all warranties and conditions (express and implied) in respect of the web site content, the availability of the web site or any other warranty. Although Floreat make use of anti-virus software to protect the web site content, they do not guarantee that the web site (and any downloads) is free from viruses. You are advised to take your own precautions.

5.3 With the exception of death or personal injury caused by its negligence, Floreat does not accept any liability for any loss or damage you incur by using the web site including but not limited to direct, indirect, actual, incidental, punitive, special or consequential damages, lost income, revenue or profits, lost or damaged data or other commercial or economic loss, that result from your use of or inability to use this web site, even if Floreat has been advised of the possibility of such damages or such damages are foreseeable. By using this web site you agree that this limitation will apply to all content, products or services available through this web site (unless varied by terms specific to these products or services). In the event that the applicable law does not allow the limitation or exclusion of liability or damages, you agree that in no event shall Floreat's total liability to you for all damages, losses and causes of action of any kind exceed the amount, if any, you have paid Floreat for any products or services purchased from this web site (unless varied by terms specific to these products or services).

5.4 Floreat provides this web site and its contents on an "as is" basis. Save as expressly set out in the Terms or those terms specifically relating to any service or products supplied from this web site by Floreat, excludes all warranties, terms and conditions implied by statute or law, to the fullest extent allowed by law including, but not limited to, any warranty or condition of quality or fitness for a particular purpose.

5.5 The web site contains links to other web sites and may contain links to WAP sites provided by independent third parties ("Third Party Sites") either directly or through frames. Floreat is not responsible for the availability or content of Third Party Sites and is not responsible for any transaction concerning goods or services available from such Third Party Sites. Floreat provides links for your convenience only but does not necessarily endorse the material on these sites.

6. Changes to these Terms

Floreat reserves the right to make changes to any part of the web site and these Terms. Floreat shall notify you by posting such changes on the web site. If you do not accept the changes you must stop using the web site. By continuing to use the web site after publication of any such change, you agree to those changes.

7. Data Protection and Privacy

7.1 Floreat will retain data about you which is obtained as a result of your visiting the web site. Floreat may use that information to provide you with details of products or services which may interest you. Floreat may provide this data to members of the Floreat group of companies (that is Floreat Family Office Services AG, any subsidiary or associated companies and any other companies in which Floreat has an interest) so that they may provide you with details of products or services that may be of interest to you. If you do not wish to receive these details, please contact us by emailing This e-mail address is being protected from spambots. You need JavaScript enabled to view it . Floreat will not provide your data to other third parties.

7.2 Any personal data which you provide to Floreat are held and processed in accordance with the Data Protection Act.

8. Cookies

8.1 Floreat may use "cookies" on this web site. These are text files stored by your web browser on your computer. They provide information about your use of the web site or enable the web site to be personalised for your use.

8.2 Most web browsers automatically accept cookies, but if you decide that you do not want to utilise cookies then you can amend your browser settings to prevent this. You will still be able to use most of the web site without a cookie.

8.3 Floreat' cookies do not contain any personally identifying information (for example your telephone number, account or payment details) and this information cannot be accessed by using them. In addition, our cookies do not collect or record any information regarding how you are using your PC or Internet browser in any manner.

9. General

9.1 Use of this web site is subject to Swiss law.

9.2 Headings in these Terms are for convenience only and will have no legal meaning or effect.

9.3 A waiver by Floreat of a breach of any term or condition of these Terms shall not be deemed as a continuing waiver or a waiver of any subsequent breach of the same of any other provisions. The provisions of the Contracts (Rights of Third Parties) Act 1999 (or any analogous laws) shall not apply to these Terms. If a competent authority decides any part of these Terms cannot be enforced, that particular part will not apply but the rest will.

9.4 Floreat is a company registered in Switzerland whose registered office is Pfingstweidstrasse 60, 8005 Zurich, Switzerland

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