Terms of use

General

The issuers of the content of this website are Nordea Bank S.A. and its affiliates Nordea Bank S.A., Luxemburg, Zweigniederlassung Zürich, Nordea Investment Funds S.A., Nordea Life & Pensions S.A., Nordea Life & Pensions Ltd, Nordea Trust Corporation (Isle of Man) Limited, hereafter, referred to as "Nordea".

All queries with regard to the content of this website are to be directed to the Sitemanager at sitemanager@nordea.lu

or to

Nordea Bank S.A.
P.O. Box 562
L-2015 Luxembourg
Att.: Sitemanager

Tel.: +352 43 88 71
Fax: +352 43 93 52

This website has been produced solely for the personal information of those users having accepted the terms and conditions of this disclaimer.

Users

The information provided on Nordea products is only available to those users who are not subject to any restrictions for purchasing the Nordea products.

No offer

The information contained in this website is not, and should not be construed as, a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction, or to provide any investment advice or other financial or banking service except where this is expressly mentioned.

No legal relationship between Nordea and the user exists by the sole use of this website and the information contained therein. This website is not intended to be used as a substitute for specific financial or other professional advice, nor should any persons consider it as such. Each user should seek financial or other professional advice before using the information contained in this website.

The value of investments may rise and fall. Past performance is not indicative of future results. Moreover, investments in foreign currencies may be subject to currency fluctuations.

Information

The information on this website has been compiled from sources that Nordea believes to be reliable, but no representation or warranty is made, or guarantee given, by Nordea or any other person as to its accuracy or completeness. Unless otherwise indicated, all opinions and estimates expressed in this website are entirely those of Nordea and are subject to change without notice. Neither Nordea nor any other person accepts any liability whatsoever for any loss howsoever arising from any use of this website or its contents, or otherwise arising in connection therewith. Each user of this website shall be solely responsible for making his/her own independent investigation of the business, financial condition and prospects of companies referred to in the website.

The Nordea website 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 website is prohibited. Persons in respect of whom such prohibitions apply, must not access the website.

The information supplied on this Nordea website is provided subject to:

  • the laws of the Grand Duchy of Luxembourg, as far as the Luxembourg domiciled Nordea entities are concerned;

  • the laws of Switzerland, as far as Nordea Bank S.A., Luxemburg, Zweigniederlassung Zürich is concerned;

  • the laws of the Isle of Man, as far as Nordea Life & Pensions Ltd and Nordea Trust Corporation (Isle of Man) Limited are concerned;

  • and may only be accessed from other jurisdictions at the own risk of the person accessing such information.

Important information for US Persons

Residents of the United States and citizens of other countries who are temporarily present in the United States, may be subject to certain restrictions regarding the availability of Nordea products and services while present in the United States.

The material on these sites is not directed, at and is not intended for, US persons, and is not an offer to provide, or a solicitation of any offer to buy or sell, products or services in the United States of America.

The term "US Person" includes:

  • a resident of the United States of America irrespective of his citizenship;
  • a partnership or corporation organised or existing under the laws of the United States of America or of any state, territory or possession thereof or
  • any estate or trust which is subject to the laws of the United States of America.

No United States residents, or residents of other countries who are temporarily present in the United States, may purchase any products or services of Nordea or Nordea Investment Funds; neither will Nordea or Nordea Investment Funds accept an application to purchase products or services from any such person.

Conflicts of interests

Nordea, its officers, directors and employees, including persons involved in the preparation of this website, may, from time to time, but subject at all times to applicable laws and local market practices: (I) have positions in, and buy or sell, the securities of companies referred to in this website (or in related investments); (II) have a consulting, investment banking or stockbroking association with a company referred to in this website; (III) to the extent permitted under applicable law, have acted upon or used the information contained or referred to in this website, including effecting transactions for their own account in an investment (or related investment) in respect of any company referred to in the website, prior to or immediately following, its publication. The contents of this website may not have been distributed to all recipients at the same time.

Links

The website of Nordea may contain links to other third-party websites. Nordea does not sponsor or approve the contents of any such sites. Nordea accepts no responsibility for the information provided on any such sites and assumes no responsibility for any illegal, inaccurate or incomplete content on the website to which the user has been referred, especially in cases where any damages result from the use or non-use of such incorrect information. Nordea has no influence on the current and future composition of the content of websites to which the link has referred. These refer to websites beyond the control of Nordea which are run by third parties.

No third party is permitted to link any other website to this website without obtaining the prior written consent of Nordea. However, Nordea cannot ensure, and the user cannot assume, that such prior written consent exists for each link. In the case of persons creating such links to the website of Nordea, the persons implementing those links will be responsible for them and Nordea does not accept any responsibility in relation to those links.

Personal data

All communication, electronic or otherwise, between the user and Nordea by means of this website, and all information, whether sensitive or otherwise, that the user provides or inputs during his use of this website, or which is collected through this website, may be subject to computer recording or otherwise, retention, automated processing and used to include it in a database, marketing, monitoring and analysis of business, legal and regulatory compliance and/or for any other related business purpose by Nordea.

In particular, the user authorises Nordea to collect personal data from the user, to store them electronically or otherwise, to make use of them and to process them. The user can request a statement of his personal data, which are stored at Nordea, free of charge. The user has the right to change or delete these data should they prove to be incorrect. Nordea may store these personal data for a maximum a period as permitted under data protection regulations.

The user is able to decide whether or not to provide the required information. If the user decides not to provide the required information then in certain circumstances some information on this website will only be available in limited form. Data will not be passed on to third parties, except when required by Luxembourg legal provisions or when expressly authorised by the user.

The user expressly authorises Nordea to share the user's data with companies within the Nordea Group, except where, in doing so, Nordea would be acting in contravention of confidentiality and secrecy rules to which it is subject.

Nordea also gathers and analyses data regarding the use of its websites, including domain names, number of hits, pages visited, length of user session, to evaluate the usefulness of the website, however these are for statistical purposes only and are not shared with any other organisation outside the Nordea Group.

Email

The user of the website is reminded that the confidentiality of e-mail messages sent via the public network cannot be guaranteed. The user shall avoid forwarding personal data or other confidential messages to Nordea via e-mail. Nordea or other service providers are not liable to carry out orders or instructions submitted via public e-mail. Nordea is entitled, if requested by the user, to provide general information via e-mail to the e-mail address defined by the user. Nordea shall neither be responsible nor liable for losses or damages occurred by any disappearance or transformation of such a message.

Copyright

The entire contents of the website of Nordea is subject to copyright with all rights reserved. You may download or print out a hard copy of individual pages and/or sections of the website, provided that you do not remove any copyright or other proprietary notices. Any downloading or otherwise copying from the website will not transfer title to any software or material to you. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose the website without the prior written permission of Nordea.

Special information relating to Nordea investment funds


Basic information

Subscriptions for shares in the Nordea investment funds presented on this website must always be made on the basis of the latest Sales Prospectus and the latest Annual Report (or Semi-Annual Report, if more recent). These documents can be obtained by the user free of charge via Nordea Investment Funds S.A..

The investment funds presented on this website are open ended investment companies under Luxembourg law, which are authorised for public distribution in various countries.

The content of this website does not constitute an offer for subscription in the Nordea investment funds shown herein.

Notification of Risk

Fund performances quoted on this website are - unless otherwise indicated - calculated NAV to NAV gross income reinvested in the fund currency, excluding initial charge.

Past performance is no guarantee of future returns. The value of the shares can fluctuate and is not guaranteed.

A transaction involving a foreign exchange transaction may be subject to fluctuations of currency values, which may affect the value of an investment.

Funds which invest in Emerging Markets involve a higher element of risk with regard to price fluctuations.

Data Sharing

The user instructs Nordea Investment Funds S.A. to pass on copies of the information submitted by the user in connection with a subscription or redemption in a Nordea investment fund via and in the context of the use of this website to an intermediary bank or independent financial advisors, who provides or has provided services in the context of shareholders, as well as to other entities within the Nordea Group. These data can be communicated in writing, by fax, electronically or by telephone. 

Additional Information for Luxembourg

Further information on the investment funds distributed by Nordea Investment Funds S.A. can be obtained by the user of this website from particular investment advisors. Because Nordea Investment Funds S.A. makes no investment recommendations, these investment advisors operate independently of Nordea Investment Funds S.A. At the request of the user, Nordea Investment Funds can make available a list of available investment advisors.