Welcome to pfisgroup.com. Before using this website or application ("Site"), please carefully review these Terms and Conditions of Use ("Terms"). By accessing or using this Site, including any services offered on it, you indicate your acceptance of these Terms.

 

PFIS Group Limited ("PFIS Group") owns and operates this Site on behalf of itself and its subsidiaries worldwide (collectively referred to as the "PFIS Group"). The Site is intended to provide information and online services (the "Service") to users of the PFIS Group.

 

PFIS Group reserves the right to modify or amend these Terms from time to time. Therefore, please review these Terms whenever you access or use the Site. Your continued use of the Site, or any Service on it, after modifications to the Terms will constitute your acceptance of the modified Terms. If you do not wish to accept the Terms, you may not use the Site. Any additional or conflicting terms proposed by you are expressly rejected by PFIS Group and are not valid.

 

These Terms exclusively govern your use of this Site and are separate from any other agreements you have entered into with PFIS Group.

  1. Access to Website and User Conduct

The PFIS Group website and its content are owned by PFIS Group. All rights are reserved. You may not copy, reproduce, transfer, upload, publish, or distribute any part of the website's content without prior written permission from PFIS Group, except for printing extracts for personal use.

 

The trademark and logo on this website belong to PFIS Group and cannot be used on any other website without written consent. The name or trademark of PFIS Group cannot be used in internet addresses without prior written consent.

 

We may suspend or withdraw access to the website without notice and are not responsible if the website is unavailable. We reserve the right to deny access to users who breach these terms and conditions.

 

  1. Disclaimer

The information provided on this website is believed to be accurate and is presented in good faith by PFIS Group. We strive to ensure that the information meets standards of reliability, truthfulness, and accuracy. However, we do not guarantee the updating or amending of any data, opinions, or special sections (such as dates of assemblies, board meetings, press releases, presentations, etc.) solely for the purpose of informing about PFIS Group's activities.

 

Users of this website acknowledge that any information used for personal investment decision-making is done so at their own risk. PFIS Group shall not be held liable for any costs or damages, including direct, indirect, special, incidental, or consequential damages, arising from accessing or using this website or any of its features. This includes browsing or downloading any information, data, text, images, or other material accessible through this website or linked sites.

 

Users are responsible for evaluating the accuracy, completeness, reliability, and usefulness of the information provided. The content on this website is not to be interpreted or relied upon as professional advice. Users should consult their own professional advisers regarding their individual circumstances. PFIS Group does not guarantee the reliability, truthfulness, accuracy, or validity of any information not directly attributed to PFIS Group on this website.

 

PFIS Group reserves the right to modify the information, functionalities, and operational specifications of the website at our discretion and without prior notice. We are not responsible for any errors or inaccuracies in the website's content that are beyond PFIS Group's control.

 

  1. Limitation of Liability and Indemnification

In using this website, you specifically agree that you will not hold PFIS Group liable to you or any party for any direct, indirect, special, punitive, or other consequential damages of any kind arising out of any use by you of this website (or any other linked website), whether those damages are financial in nature or result from lost, corrupted, incomplete, or interrupted data or transactions. The information contained within this website is by necessity of a general nature, and further information should be sought by contacting us with your specific requirements.

 

  1. Not an Offer

No information contained on this website constitutes a solicitation, offer, advice, recommendation, or any other service to acquire or dispose of any investment or to engage in any other investment or transaction by PFIS Group. We have included certain information on this website as its publication is required or recommended by law, regulations, and/or a provision of self-regulatory codes.

 

Nothing on this website constitutes a promise or offer of employment. PFIS Group is committed to the principles of equal employment opportunity and workplace diversity, and all applications are considered in compliance with applicable law.

 

 

  1. Data Protection and Privacy

The applicable Privacy Statements for this website are subject to these terms and conditions.

 

  1. Links to Other Websites

The links from this website to other websites are provided for your information and convenience purposes only. PFIS Group assumes no responsibility or liability for material created or published by third parties to which this website links. PFIS Group does not review or monitor these links. If you decide to visit any linked websites, you do so at your own risk, and it is your own responsibility to take measures against viruses and other destructive elements. Some websites may be outside your country and subject to different rules and regulations.

 

Links do not imply that PFIS Group sponsors, refers, endorses, approves, advertises, offers, or solicits or is affiliated with any entity whose products or services are described thereon.

 

Providing links to other publicly accessible websites is legally permissible and is consistent with the common expectations of those who make use of the Internet.

 

No person or website may create a link to this website without the written consent of PFIS Group.

 

  1. Website Submissions

Any materials, submissions, or transmissions sent to PFIS Group, including by email or via website pages, but excluding information provided for registration to online service areas of the website and personal data as defined under applicable legislation, including, but not limited to, the General Data Protection Regulation, shall be deemed not confidential and shall become the property of PFIS Group. Accordingly, PFIS Group shall have no obligation of any kind with respect to such materials and shall be free to reproduce, use, disclose, display, transform, create derivative works and distribute the materials to others without limitation. Furthermore, PFIS Group shall be free to use any ideas, concepts, know-how, or techniques contained in such materials for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products incorporating such materials. You warrant that such materials are fit for publication, and you hereby agree to indemnify PFIS Group if any third party takes action against PFIS Group in relation to such materials.

 

Please refer to the privacy statements and notices, available on this website, for further details on how PFIS Group processes any personal data submitted to them.

 

PFIS Group cannot guarantee the security of information that is communicated using email or otherwise over the internet. It is advised that any confidential and/or sensitive information should not be transmitted in this manner.

 

  1. General User Conduct

When accessing or making use of any part of this website, you may not:

 

  • Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane, or otherwise objectionable information of any kind that may give rise to civil liability or otherwise violate any national or international law;
  • Post or transmit any information or software which contains any form of virus;
  • Interfere with the functioning of this website or restrict or inhibit other users from using this website; or
  • Post, publish, transmit, reproduce, distribute, or exploit any information obtained through this website for commercial purposes without the prior written consent of PFIS Group.

 

  1. Information Updates

All content included within this website, including these terms and conditions, is subject to being updated and changed at any time, without notice. The latest version will be made available on this website.

 

  1. Website Property Rights

The intellectual property rights and all other rights relating to all content on this website belong to PFIS Group and its related company. PFIS Group retains all rights, title, interest, and intellectual property rights in the content of this website. Use of the content of this website is restricted to personal use by you. Any storing, reprocessing, reutilizing, reproduction, distribution, dissemination, or transmission of all or part of the content of this website is prohibited except where expressly permitted by PFIS Group.

 

 

  1. Company Details

PFIS Group Limited is a duly registered designated activity company based in Hong Kong, while PFIS Group AG operates as a designated activity company within Switzerland.

 

  1. Information obligation on Article 45 ISA

PFIS Group AG (hereinafter referred to as PFIS), Chamerstr 172, 6300 Zug is an insurance broker (registration number CHE-133.519.539) and has access via cooperation agreements to insurance products of major insurance companies operating in Switzerland and globally. The detailed list can be viewed here: https://www.pfisgroup.com/articles/news.

 

Depending on the customer’s needs, PFIS works with the companies on the different insurance products. In return, PFIS will be remunerated by insurers with brokerage fees at normal market rates. PFIS works on behalf of its customers according to the services defined in the Cooperation Agreement. PFIS is liable within the framework of the Cooperation Agreement for negligence, errors, or incorrect information in connection with your brokerage activity. When processing personal data, PFIS observes the provisions of the Data Protection Act. Details can be found in the Privacy Statement.