The Website is operated by Z Zurich Foundation, a charitable foundation incorporated in Switzerland ("ZZF " or "we") under a license from (and with certain services provided by) Zurich Insurance Company Ltd ("ZIC"), a wholly owned subsidiary of Zurich Insurance Group Ltd ("ZIG", and ZIG together with all its subsidiaries and affiliates "Zurich Insurance Group").
2. LOCAL ACCESS RESTRICTIONS
The Website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence, citizenship or otherwise) the publication or availability of the Website and its content is contradictory to local laws or regulations. Persons with respect of whom such restrictions or prohibitions apply must not access or use the Website. You are accessing or using the Website on your own initiative and you are solely responsible for compliance with the applicable local laws and regulations that apply to you.
3. GENERAL DISCLAIMER
THE MATERIAL AND INFORMATION ON THE WEBSITE ARE PROVIDED "AS IS" AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE DISCLAIMED. NO REPRESENTATION OR WARRANTY IS MADE REGARDING CONTENT, FUNCTIONALITY, ACCURACY, COMPLETENESS, LINKS, OR COMMUNICATIONS AND NO REPRESENTATION OR WARRANTY AS TO DEFECTS OR ERRORS OR CORRECTION OF THE SAME, COMMUNICATION INTERRUPTIONS OR INTERCEPTIONS OR LOSS OF DATA, OR THE ABSENCE OF VIRUSES OR OTHER HARMFUL COMPONENTS ARE MADE.
In no event shall ZZF or any member of the Zurich Insurance Group be liable to any party for any cost or damages, including any direct, indirect, special, incidental, or consequential damages, arising out of or in connection with the access or use of, or the inability to access or use the Website or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through the Website or any website linked to or linking into the Website.
It is the responsibility of the user of the Website to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided. All information provided on the Website is under the condition and understanding of it not being interpreted or relied on as legal, accounting, tax, financial, investment, medical, health, risk engineering, or other professional advice, or as any other advice on specific facts or matters.
The information and features or functions contained on the Website are provided for your informational and educational convenience only. Nothing on the Website should be relied on in making any specific investment, financial planning or other decision. Users should always consider their overall personal circumstances, investment horizon and personal risk preferences. Accordingly, no liability whatsoever is assumed for any use or misuse of such information. Users of the Website should consult their professional advisors with respect to their personal circumstances.
ZZF collaborates with charities, non-profit organizations, philanthropist investors, service providers, members of the Zurich Insurance Group as well as others, but such relationships are not partnerships in the legal sense of the term and nothing on the Website, including the use of terms such as “partner” or “partnership,” should be construed as giving rise to such an inference.
Please also check any disclaimers on or in respect of specific documents on the Website.
4. NO OFFER
Nothing on the Website should be construed as a solicitation, offer, advice, recommendation, or any other service to acquire or dispose of any investment, whether or not philanthropic or charitable, or to engage in any other investment or transaction, whether or not philanthropic or charitable. Nothing on the Website constitutes a promise or offer of a donation or other charitable activity, or of employment.
5. FORWARD-LOOKING STATEMENTS
The Website may contain forward-looking statements. Forward-looking statements provide current expectations of future events based on certain assumptions and include any statement that does not directly relate to a historical or present fact. While such statements may represent ZZF's judgment and expectations as of publication, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from ZZF's expectations. Therefore, you must not place any reliance on forward-looking statements on the Website. ZZF is under no obligation to update or alter forward-looking statements whether as a result of new information, future events, or otherwise.
6. INTELLECTUAL PROPERTY
"Zurich" and its logos are registered trademarks of ZIC, which are appropriately licensed to ZZF. Except as indicated otherwise, all intellectual property, especially copyright and trademark rights, and similar rights in the information, text, graphic images, logos, features or functions, and layout (including the " look and feel") contained on the Website are the exclusive property of or licensed to ZZF, and may not be copied, reproduced, posted, transmitted or distributed, in whole or in part, in any form (electronic or written) without first having obtained ZZF's express written consent (except for the below).
Nothing on the Website should be construed as granting a license or any other right to use any copyrights, trademarks or logos. Moreover, the downloading or printing of any materials on the Website will not result in the transfer, explicit or implied, of any rights. You may, however, download or print any pages from the Website for personal, non-commercial use only, provided you do not remove any copyright or other proprietary right notice.
The copyright in some documents and other material available on the Website may belong to third parties and such documents and other material have been produced on the Website with the permission of the third party copyright owners. You must check copyright notices on or in respect of such documents or material.
7. LINKS, THIRD-PARTY CONTENT
The links from the Website to other websites are provided for your information and convenience only.
ZZF does not assume any responsibility or liability with respect to any website linked from the Website (or any website linking into the Website), including its content and operation. ZZF does not review or monitor such links. Some websites may be outside your country and subject to different regulators and rules.
A link from the Website to another website (or a link from another website to the Website) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website. ZZF believes that the links provided to other publicly accessible websites, webpages, newsgroups, and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.
Some of the content on the Website may originate from third parties, not from ZZF. Such content is generally labelled as third-party content. ZZF does not verify third-party content and neither endorses nor rejects the same.
8. PRIVACY, COOKIES
9. SUBMISSIONS; MONITORING
ZZF is not obligated to monitor any submissions or transmissions to or through the Website or any website to which the Website links or that links into the Website. ZZF, however, reserves the right to monitor the same, including any chat rooms or similar website features. You acknowledge that no obligation of any kind shall be attached to such information and that by submitting or transmitting such information, no confidential, contractually implied or other relationship is created between you and ZZF.
10. USER CONDUCT
When accessing or making use of any part of the Website, you may not:
- post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any national or international law;
- post or transmit any information or software which contains a virus, worm, trojan horse or other harmful component;
- interfere with the functioning of the Website or restrict or inhibit any other user from using the Website;
- post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through the Website for commercial purposes without the prior written consent of ZZF;
- post or upload content on the Website, in which you don't own the respective rights;
- post or upload any content to the Website, that (1) contains any product or service endorsements, or (2) may be construed as (a) lobbying for or against any legislation or legislative proposal, (b) a solicitation of contributions for any persons, entity or cause, or (c) a statement for or against any political candidate for public office. In addition, you may not link to any sites of political candidates or parties or use the Website to discuss political campaigns.
ANY ATTEMPT BY ANY PERSON TO DAMAGE THE WEBSITE OR UNDERMINE ITS OPERATION MAY BE A VIOLATION OF CRIMINAL OR CIVIL LAWS. ZZF RESERVES THE RIGHT TO TAKE LEGAL ACTION AGAINST ANY SUCH PERSON.
12. APPLICABLE LAW AND JURISDICTION
The Website and any controversy or claim in connection with it is governed by the substantive laws of Switzerland, without reference to its principles of conflicts of laws. The exclusive place of jurisdiction are the competent courts in the city of Zurich, Switzerland.