Terms of Use

Declaration of agree­ment

By accessing the (www.frankly.ch) website and its sub-pages (hereinafter referred to as the «website») as well as the services, products, information, opinions, documents and functions etc. contained or described therein (hereafter referred to as «information»), you are confirming that you have understood and accepted the terms and conditions of use. Please also read any additional legal notices that apply to the services and products you are using as well as the website's cookie policy on the tracking technology used by the website.

Reservation of the right to amend­ment

The terms of use, legal notices and any information on the website can be amended at any time without prior notice. You should therefore check these terms of use regularly. If you have not understood a provision of the terms of use or do not agree to these terms, please leave the website.

Access and re­stric­tions

The website is intended for people who live in Switzerland. Those who are subject to legislation prohibiting them from accessing the website due to their nationality, place of residence/registered office or for other reasons are not permitted to use the website. Certain services and products described on the website are also subject to restrictions which occur as a result of residency, nationality or customer segmentation, in particular. For this reason, it cannot be ruled out that certain services and products described on the website are not permissible or suitable for you.

No advice and no offer

The information published on the website is intended for informational and advertising purposes. It neither constitutes advice – whether on legal, tax, financial or other aspects – nor a recommendation or offer concerning the purchase or sale of products or the conduct of other transactions or the conclusion of any legal transaction. The fact that you have accessed the website does not make you a customer of the Sparen 3 pension foundation of Zürcher Kantonalbank.

Electronic trans­fer of data and services pro­vid­ed by third par­ties

The website contains forms for supplying personal data such as telephone numbers or email addresses. Such data transmissions are encrypted. Owing to misuse by unauthorised third parties, for example, confidentiality cannot be guaranteed in spite of the encryption. 

Third-party service providers based in Switzerland are involved in certain functions on the website (text message and newsletter services). These third parties store data in Switzerland and handle it confidentially. 

When data is transmitted over an open network that everyone can access (for example, the Internet or text messages), the data may be transmitted across borders, even if both sender and recipient are located in Switzerland. As a rule, information sent by email or by text message etc. is not encrypted when it is transmitted. Such information is therefore not protected under Swiss law. Even in the case of encrypted transmission, the sender and the recipient remain unencrypted. This is why it is possible for third parties (for example, the Internet provider) to infer the existence of a customer relationship. In addition, data that is transmitted electronically is at risk of manipulation and misuse.

Exclusion of war­ran­ty and lia­bil­ity

The Sparen 3 pension foundation of Zürcher Kantonalbank takes due professional care in preparing the information published on the website. However, the Sparen 3 pension foundation of Zürcher Kantonalbank assumes no warranty for the topicality, correctness, accuracy or completeness of any information published on the website. The Sparen 3 pension foundation of Zürcher Kantonalbank reserves the right to update, amend or delete without notice and at any time, information published on the website. The opinions and assessments expressed on the website reflect the opinion of the Sparen 3 pension foundation of Zürcher Kantonalbank at the time of publication and do not constitute a general or specific legal, tax or other recommendation.

The information on the website is provided «as seen» and «as available». The Sparen 3 pension foundation of Zürcher Kantonalbank excludes any warranty for access to the website or individual functions operating without faults or interruptions, for errors being rectified or for viruses or other harmful components transmitted during use of the website.

The Sparen 3 pension foundation of Zürcher Kantonalbank assumes no warranty for the topicality, correctness, accuracy or completeness of the information published on the website. Insofar as legally permissible, the Sparen 3 pension foundation of Zürcher Kantonalbank excludes any liability for direct and/or indirect damages or lost profits arising from the use of or access to information on the website and/or from links to third-party websites or from the impossibility of using or accessing these. This exclusion of liability shall also apply to all damages that can be ascribed to a third-party tampering with the website. The Sparen 3 pension foundation of Zürcher Kantonalbank also rejects any liability for third-parties tampering with your IT system. This is subject to any special agreements between you and the Sparen 3 pension foundation of Zürcher Kantonalbank concerning electronic services. 

Caveat with regard to all in­tel­lec­tu­al prop­er­ty rights

All information published on the website is protected intellectual property and is owned by the Sparen 3 pension foundation of Zürcher Kantonalbank or third parties. The information may only be freely used for personal use. No part of the website or information contained therein is intended to grant a licence or a right to use a registered trademark, a logo, an image or other content comprising protected intellectual property. Without the written permission of the Sparen 3 pension foundation of Zürcher Kantonalbank, it is prohibited to systematically access contents of the website in order to, directly or indirectly, compile a collection, a database or a directory.

The Sparen 3 pension foundation of Zürcher Kantonalbank reserves all intellectual property rights with regard to all information published on the website and will fully exercise all means to enforce its rights.

Links to other web­sites

The website may contain third-party content or links to third-party websites. When this website includes links to third-party websites, these are provided for information purposes and user convenience. The Sparen 3 pension foundation of Zürcher Kantonalbank has absolutely no influence over these third-party websites. For this reason, the Sparen 3 pension foundation of Zürcher Kantonalbank assumes no responsibility and offers no warranty for the correctness, quality, completeness or legality of the content of such websites or for their availability or any offers, products and services they may contain. The responsibility for this lies with the operator of the websites accessed via the links. The Sparen 3 pension foundation of Zürcher Kantonalbank cannot be held liable for this. Accessing these websites via such links is at the user's own risk.