The following terms and conditions will be deemed to have been accepted by the User on usage of the Quartal Financial Solutions website www.quartalfs.com (Terms of Use). You are requested to read them carefully before you use the services of this site. The term User shall refer to the user who is browsing the site. The term Quartal shall refer to Quartal Financial Solutions AG. The term Site refers to www.quartalfs.com owned, managed and monitored by Quartal Financial Solutions AG.

By using the Site, you agree to follow and be bound by the following terms and conditions concerning your use of the Site. Areas of the Site may have different terms of use posted. If there is a conflict between the Terms of Use and terms of use posted for a specific area of the Site, the latter shall have precedence with respect to your use of that area of the Site.

Quartal may terminate User’s access at any time for any reason. The provisions regarding to disclaimer of warranty, accuracy of information, and indemnification shall survive such termination. Quartal may monitor access to the Site.

All content present on this Site is the exclusive property of Quartal. The software, text, images, graphics, video and audio used on this site belong to or are licensed by Quartal. No material from this site may be copied, modified, reproduced, republished, uploaded, transmitted, posted or distributed in any form without prior written permission from Quartal. All rights not expressly granted herein are reserved. Unauthorized use of the materials appearing on this Site may violate copyright, trademark and other applicable laws, and could result in criminal or civil penalties.

The Site, and all content, materials, information, software, products and services provided on the Site, are provided on an as is and as available basis. The information contained in the Site has been obtained from sources believed to be reliable. Quartal disclaims all warranties as to the accuracy, completeness or adequacy of such information. Quartal expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Quartal shall have no responsibility for any damage to User’s computer system or loss of data that results from the download of any content, materials, information from the Site. Quartal makes no warranty that: (a) the Site will meet your requirements; (b) the Site will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Site or any services offered through the Site will be accurate or reliable. The User’s right to privacy is of paramount importance to Quartal.

Quartal may change or discontinue any aspect of its website at any time, including its content or features. Quartal reserves the right to change the terms and conditions applicable to use of the Site. Such changes shall be effective immediately upon notice, which shall be placed on the Site. The Site provides links to websites and access to content, products and services from third parties, including users, affiliates and sponsors of the Site. You agree that Quartal is not responsible for the availability of, and content provided on, any third-party websites. The User is requested to peruse the policies posted by other websites regarding privacy and other topics before use. Quartal is not responsible for third-party content accessible through the Site, including opinions, advice, statements and advertisements, and User shall bear all risks associated with the use of such content. Quartal is not responsible for any loss or damage of any sort User may incur from dealing with any third party.

In no event will Quartal be liable for damages of any kind, including without limitation, direct, indirect, special, incidental or consequential damages (including, but not limited to, damages for lost profits, business interruption and loss of programs or information) arising out of the use of or inability to use Quartal’s website, or any information provided on the website, or in the Products any claim attributable to errors, omissions or other inaccuracies in the Product or interpretations thereof. Some jurisdictions do not allow the limitation or exclusion of liability. Accordingly, some of the above limitations may not apply to the User.

User agrees to indemnify, defend and hold Quartal harmless from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, arising out of or relating to any misuse by the User of the content and services provided on the Site.