• Online content
    The information and views contained on this website are provided exclusively for information purposes and may be amended, supplemented or deleted at any time and without prior notice. Despite exercising the greatest care, Volksbank AG (hereinafter called “the BANK”) does not accept any warranty whatsoever for the topicality, accuracy, comprehensiveness or quality of the information provided. Liability claims brought about by the utilisation or non-utilisation of the offered information or by the utilisation of faulty and incomplete information are essentially excluded, insofar as the bank has not demonstrably acted in a wilful or grossly negligent culpable manner.

    Access and local statutory constraints
    The bank website is not intended for persons who are subject to a legal system that prohibits the publication or access to the present website, for any reason whatsoever, and that could consequently lead to registration obligations being imposed upon the bank. These persons are not permitted to access the website.

    Marketing communications
    All product-related communications constitute marketing communications and not recommendations, invitations or offers to conclude any possible legal transaction. For this reason, these communications are without commitment and non-binding, and at most should be viewed by the customer as an invitation to draw up an offer. For this reason, this information may not be drawn upon as the basis or support for decision-making. Instead, customers are urgently recommended to make use of the services provided by the expert advisors at our Bank.

    References and links
    In the event of direct or indirect references to third-party websites (“hyperlinks”) which lie beyond the sphere of responsibility of the Bank, a liability obligation would arise only if the author had knowledge of the content, and if it would have been technically possible and reasonable for him to prevent the use in cases of unlawful content. The Bank herewith expressly declares that at the time of the establishment of the link, no illegal content was identifiable on the websites which were to be linked. The Bank has no influence whatsoever over the current and future design, the content or the copyright of the linked websites. For this reason, the Bank herewith expressly distances itself from all content of all linked websites which were amended after the link was established. The provider of the linked website is exclusively liable for illegal, faulty or incomplete content and in particular for damage arising out of the utilisation or non-utilisation of information offered in such a manner, not the party who merely refers to the respective publication via links.

    Copyright and trademarks
    In all publications the Bank endeavours to observe the copyright of the deployed images, charts, audio files, video sequences and text, or to use licence-free charts, audio files, video sequences and text. All brands and trademarks specified within the website and possibly protected by third-party trademarks and logos are subject without restriction to the provisions of the respective valid trademark law and the ownership rights of the respective registered owner. Proprietary rights and copyright for published objects drawn up by the Bank itself shall be retained solely by the Bank. The reproduction or utilisation (saving, downloading and printing) of such charts, audio files, video sequences and text in other electronic or printed publications – except for private use – is not permitted without the express consent of the author. In the case of an approved reproduction or utilisation, neither copyright notices nor other legally-protected designations may be removed or rendered unidentifiable.

    Data security
    Access to the website of the Bank as well as e-mail communications are realised via an open network that is open to everyone. This consequently means that the data may be transmitted across national borders, even if the user or the sender and recipient of information are located in the same state. In addition, it cannot be excluded that the communication may be viewed and falsified by third parties in the open network, that the content may be wholly or partially lost and consequently rendered incomplete or unusable, arrives late or contains viruses. So-called virus scanners may boost the security precautions of the user, and are urgently recommended by the Bank. For this reason, the Bank does not accept any guarantee for the security and fault-free nature of these communications, and rejects any liability in the event of losses of any possible nature. Lastly, attention is drawn to the fact that visiting or contacting this website may leave traces within the internet which, under certain circumstances, may enable conclusions to be drawn about a relationship with the Bank.

    Data protection
    Use of all of the services offered on the website in question is essentially also permitted without specifying personal or company data (e-mail addresses, names, postal addresses). Insofar as it is possible to enter such data within the website, disclosure of this data by the user shall be on an expressly voluntary basis. Use of the contact data published within the framework of the impressum or comparable details of published contact data such as postal address, telephone and fax numbers as well as e-mail addresses by third parties to send information which has not been expressly requested is not permitted. In the event of breaches of this prohibition, legal measures against the senders of so-called spam mails shall be expressly reserved.

    Persons who access the website of the Bank declare that they have understood and acknowledge the legal information associated with this website.