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TERMS & CONDITIONS
SFG_SMALLand its global offices offers you access to this web site based strictly on the terms contained in this Agreement. Any User ID and password provided is for your exclusive use only and should not be shared with any other parties. SFG may modify this Agreement at any time and any amended terms are effective immediately upon posting on this site. You should, therefore, review this Agreement from time to time. Your access and use of this web site after the effective date of any amended term means that you have accepted the amended term. This Agreement cannot be otherwise amended except in a writing signed by both you and SFG.


| COPYRIGHT & TRADEMARKS |
All of the content included on this web site, including the text, graphics, logos, icons, screens and configurations, is the property of SFG. You do not acquire any ownership rights by printing or downloading any information or by accessing or using this web site. Any use of the content or software on this web site other than for the express purpose provided, including reproducing, modifying, distributing, transmitting, replicating or public exhibition is strictly prohibited.

| ACCURACY OF INFORMATION |
While SFG takes reasonable steps to review the information contained on this web site for accuracy and timeliness, SFG makes no warranties or assurances that all information contained on this site is accurate or complete and SFG disclaims any such warranties or assurances. You rely on any information contained on this site at your own risk. SFG reserves the right to modify or update any information contained on this site without notice to you. However, this reservation of right does not create any duty or obligation on the part of SFG to modify or update any information contained on this site.

| PRIVACY |
All information you provide in accessing and using this web site may be used by SFG as described in our Privacy Statement, which is hereby incorporated into this Agreement.

| DISCLAIMERS |
SFG MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE, THE ACCURACY OR COMPLETENESS OF THE INFORMATION, CONTENT, MATERIALS OR SERVICES CONTAINED ON THIS SITE.

| LIMITATION OF LIABILITY |
NEITHER SFG NOR ANY OF ITS REPRESENTATIVES, AFFILIATES, OR CONTENT PROVIDERS SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, DAMAGES ARISING OUT OF THE USE OF THIS WEB SITE OR RELIANCE ON ANY INFORMATION CONTAINED ON THIS WEB SITE.

| INDEMNIFICATION |
You agree to indemnify SFG and its officers, directors, owners, independent contractors, employees, agents and affiliates for and from any loss by reason of, in any way relating to, or arising out of:
(a) your use of this web site and any violation of any law, rule or regulation arising out of such use;
(b) any misuse of information, including email addresses and email content arising out of or relating to your use of this web site; and/or
(c) any violation of this Agreement.

| APPLICABLE LAW AND JURISDICTION |
This Agreement shall be construed and governed by the laws of Switzerland and not by the application of choice of law principles or the laws of any other state or country. You agree that the federal and state courts located in Freienbach Switzerland shall have exclusive jurisdiction and venue over any action brought to enforce the rights and obligations.



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