Important Legal Information

Please read these Terms and Conditions of Use (“Terms and Conditions”) carefully. Bilderlings Wealth, SIA, a private and family wealth management and advisory institution (“Bilderlings”), owns and operates the respective analytical and informative portions of this website (“Site”). By registering for, logging into, visiting and/or otherwise using the Site in any way, you indicate that you understand and intend these Terms and Conditions to be the legal equivalent of a signed, written contract, and you accept the terms of use as set forth herein and agree to be legally bound by them. If you do not agree to these Terms and Conditions, please do not access this website or any pages thereof.

Reservation of Rights 

We reserve the right, at our discretion, to change, modify, add, or remove portions of these Terms and Conditions at any time. Your continued use of the Site following reasonable notice of such modifications will be conclusively deemed acceptance of any changes to these Terms and Conditions. You agree that notice of changes to these Terms and Conditions posted on the Site constitutes reasonable and sufficient notice. At all times, you are bound by the then-current version of the Terms and Conditions and of all applicable laws.

Use of Content 

The Content of this Site is available for informational purposes only and does not constitute legal, investment or other professional advice on any subject matter. The posting of Content and access to this Site does not constitute, either explicitly or implicitly, any provision of services or products by Bilderlings or any of its respective affiliates.

No Offer 

Nothing contained herein constitutes an offer, solicitation or recommendation regarding any investment product or service, or the offer to sell or the solicitation of an offer to buy any financial instrument; nor shall any such services be provided, or financial instruments be offered or sold, in any jurisdiction in which such an offer, solicitation, provision or sale would be unlawful. All Site Content is subject to applicable statutes and regulations. This Site is published in the Republic of Latvia for residents of the Republic of Latvia. Investors outside of the Republic of Latvia are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this Site. Any potential investor should satisfy himself that an investment in any product and/or service mentioned on this Site is permissible under the rules and regulations of his or her domicile. The Site is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of the Site is prohibited. Persons in respect of whom such prohibitions apply must not access the Site.

The information provided is for informational purposes only and investors should determine for themselves whether a particular service or product is suitable and appropriate for their investment needs or should seek such professional advice for their particular situation. Please refer to offering documents for further information concerning specific products.

Certain of the statements contained herein may be statements of future expectations and other forward-looking statements that are based on Bilderlings’ current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, the words “may, will, should, expects, plans, intends, anticipates, believes, estimates, predicts, potential, or continue” and similar expressions identify forward-looking statements. Bilderlings assumes no obligation to update any forward-looking information contained herein.

Investments 

Past performance is no guarantee of future results. Investing in the financial markets is subject to certain risks including market, interest-rate, issuer, credit, and inflation risk. Equities may decline in value due to both real and perceived general market, economic, and industry conditions. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment. Where investments involve currency exposure, changes in rates of exchange may cause the value of the investment to go up or down. Any tax benefits referred to on this Site are subject to change and their availability and value will depend on your individual circumstance.

No Reliance 

Although Bilderlings has taken reasonable care to ensure that the information contained within this Site is accurate, no representation or warranty (including liability towards third parties), expressed or implied, is made as to its accuracy, reliability or completeness by Bilderlings. Opinions and any other contents at the Site are provided by Bilderlings for personal use and informational purposes only and are subject to change without notice. Nothing contained on this Site constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision.

No Warranty

The information and opinions contained on this Site, including hyperlinks or references to other sites, are provided ‘as is’ without any warranty of any kind, either expressed or implied, to the fullest extent permissible pursuant to applicable law. You are responsible for evaluating the adequacy, accuracy, reliability, merchantability, non-infringement, completeness of any information or the content available on the Site or fitness for any particular purpose with respect to the Site or any of its content. Bilderlings further assumes no responsibility for, and makes no warranties that, functions contained on this Site will be uninterrupted or error-free, that defects will be corrected, or that this Site or the servers that make it available will be free of viruses or other harmful components.
Liability Waiver 

Neither Bilderlings nor any of their respective affiliates, directors, officers, registered representatives or employees, nor any third party vendor, will be liable or have any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with your access or use or inability to access or use the Site or reliance on the Content, or any failure of performance, interruption, defect, delay in transmission, computer viruses or other harmful components, or line or system failure associated with the Site, regardless of our knowledge thereof.

User Representations

You represent and warrant to Bilderlings that you will not use this Site for any purpose that is unlawful or prohibited by these Terms and Conditions, including but not limited to attempting or actually (a) disrupting, impairing or otherwise interfering with the operation or integrity of the Site or circumventing any Site security system; (b) collecting any information about other users of the Site; or (c) systematically extracting Content or other information or data contained in the Site to populate databases or other sites. 

Linked Sites 

Certain hyperlinks or referenced websites on the Site may for your convenience forward you to third parties’ websites, which generally are recognized by their top level domain name. Any descriptions of, references to, or links to other products, publications or services does not constitute an endorsement, authorization, sponsorship by or affiliation with Bilderlings with respect to any linked site or its sponsor, unless expressly stated by Bilderlings. Any such information, products or sites have not necessarily been reviewed by Bilderlings and are provided or maintained by third parties over whom Bilderlings exercise no control. Bilderlings expressly disclaim any responsibility for the content, the accuracy of the information, and/or quality of products or services provided by or advertised on these third-party sites.

Terms and Conditions of the Current Account Opening and Maintenance Agreement

Our Current Account Opening and Maintenance Agreement is valid as of 08.07.2014. Services related to opening and maintenance of your current account are provided by Baltikums Bank with Bilderlings’ participation. If you have any questions in this regard, please contact our Client Service Helpline by calling (+371) 67220577. You many get acquainted with further details at the Bilderlings group website, https://www.bilderlings.com.

The Current Account Opening and Maintenance Agreement (the Agreement), General Terms of Business and other documents that are available at http://www.baltikums.lv/en/bottom_menu/dokuments/ (via the Baltikums Bank website) contain terms and conditions applicable to the parties’ relations with regard to your Current Account, Deposit Account, Savings Account, Payment Card Account, Financial Instruments Account with Baltikums Bank, unless specified otherwise in the relevant Agreement or the Bank’s operational regulations. The pronoun “we” and its forms in this Agreement denote the bank and its representative offices, both local and overseas. The words “Client”, “you” and their forms in this Agreement denote any person that uses the Bank’s services. “Bank Service” denotes a Current Account or any other financial product or service provided by the Bank.

Copyright 

This website is property of Bilderlings. Copyright to the materials available on the website belongs to Bilderlings, unless specified otherwise, and is protected by the applicable legislation of the Republic of Latvia regarding copyright. You may not transform, amend, or supplement the materials published on the website; these materials are available for reviewing, printing for personal use with no intention of commercial benefit. Republishing and using the materials requires a reference to the copyright holder. By failing to observe the aforementioned terms and conditions, the user infringes copyright and may be held privately, administratively, or criminally liable as appropriate depending on the nature or consequences of such violation.

Confidentiality

Any information that you disclose to Bilderlings on this website or via e-mail shall be considered confidential and shall not be made available to third parties. Bilderlings will use provided information solely for its intended purpose.