Terms of Use

1. Scope

These Terms of Use (“Terms of Use“) apply to the use of the Website www.qio.finance and any possible services, functions and products provided via the Website (“Website“). Quantitative Investment Office AG (“QIO“) is the operator and owner of the Website. By accessing and using the Website you accept these Terms of Use. If you do not agree to these Terms of Use, you may not access or use the Website.

2. Restrictions of use

In particular, you are not allowed to carry out the following activities:

• Copy, reproduce, modify, sell, sublicense and/or otherwise commercialize the Website or the Website content;
• Remove, alter, circumvent, or interfere with any copyright, trademark, or other proprietary notices that appear on the Website or any content contained therein;
• Using this Website in a way that is or could be harmful to this Website;
• Using this Website in a way that interferes with other users’ access to this Website;
• Using this Website in violation of applicable laws and regulations or in a manner that causes or is likely to cause damage to the Website or any person or entity;
• Use of harmful software, especially viruses, Trojan horses and similar;
• Systematically requesting, collecting and extracting data or other similar activities in connection with this Website or during the use of this Website;
• Access to the Website via an automated system, including but not limited to any type of bots, offline readers, robots, etc., or other measures that may place an unreasonable burden on the infrastructure;
• Use of the Website to collect personal data;
• Circumventing measures that QIO may use to prevent or restrict access to or use of the Website; and
• Reverse engineer (or attempt to reverse engineer) any part of the Website, including deriving the source code or creating derivative works or materials of any kind using the content available on the Website.

3. Information Purpose; No Offer

Unless expressly stated otherwise on the Website, the information provided on the Website is for information purposes only. The information does not constitute a binding offer to purchase products or other services.

4. Limitation of Liability; Disclaimer

The Website, together with all content, data, information and materials contained therein, is provided “as is” and “as available” without warranties or representations of any kind by QIO. Furthermore, QIO does not guarantee that the Website or individual parts of it will function without errors or be accessible at all times. QIO does not assume any responsibility for a possible loss of data. The use of the Website is at your own risk.

QIO rejects any liability for all direct and indirect damages including pure financial losses resulting from the use of the Website as far as legally permissible. Mandatory legal provisions are reserved.

You agree to fully indemnify and hold QIO harmless from and against any and all liabilities, costs, claims, causes of action, damages and expenses arising in any way in connection with your breach of any of the provisions of these Terms of Use.

5. Intellectual Property

QIO (and any possible licensors), is the owner of all rights, titles and interests in all information and content (including all text, data, graphics and logos) on the Website. This also includes the design and structure of the Website and offers. You may not modify, copy, transmit, distribute, display, perform, reproduce, publish, license, create derivative works from, transfer or otherwise use, in whole or in part, any information, text, graphics, images, video clips, directories, databases, data, listings or software obtained from the Website for any commercial or public purpose without QIO’s prior written permission. All rights are reserved. Systematic retrieval of content from the Website for any purpose is prohibited without prior written permission from QIO.

You are granted only a limited, non-exclusive, non-transferable, non-commercial and purely personal right to use and access the Website, subject to the restrictions set forth in these Terms of Use and any other restrictions that may apply.

6. Links

This Website may contain third-party content or links to third-party Websites. QIO assumes no responsibility and makes no warranties, representations or assurances whatsoever with respect to third party Websites and their content. QIO disclaims any liability in this context. Should QIO become aware of any infringement, QIO will remove the respective links or contents as soon as possible.

7. Privacy Policy

QIO processes personal data of you in the context of the use of the Website as the data controller. QIO always processes personal data confidentially and in accordance with the applicable data protection regulations. The following provisions in section 7 inform you about the collection, use and disclosure of personal data when using the Website and the rights you have in connection with this data.

By agreeing to these Terms of Use, you also expressly consent to the processing of personal data as set out below.

7.1 Personal Data collected by QIO

7.1.1 Personal Data, which you make available to QIO: When you contact QIO – for example by filling out the contact form on the Website – you provide QIO with certain personal information (e.g., name, email address, communication content).

If you subscribe to QIO’s newsletter, QIO collects your contact details and any information required to verify ownership of the email address and consent. You can revoke your consent at any time via the unsubscribe link.

If you apply to QIO, you agree to the collection and storage of personal data in this context (e.g., contact details, CV data, education, prior employment). QIO does not pass on this data to third parties and deletes it after completion of the application process.

7.1.2 Personal Data collected during use: QIO collects Usage Data (e.g., IP address, browser details, pages visited, timestamps, device data) to provide, maintain and improve the Website and user experience. QIO and partners may use cookies and related tracking technologies; see section 7.10.

7.1.3 Personal Data received from third parties: QIO may receive information about you from other users’ support requests or partners (e.g., analytics/advertising partners) to improve or promote the Website.

7.2 Legal Basis and Purposes

Contract: (i) To provide, improve and expand the Website; (ii) To provide you with customer service and support.

Consent: (i) To send you news, offers, newsletters and general information about QIO services (with your express permission); (ii) For processing job applications.

Legitimate interests: (i) Provision and maintenance of the Website; detection/prevention of security threats; (ii) Analysis, improvement, personalization and monitoring of usage and communication.

Public interest: (i) Maintain records in accordance with applicable regulations and laws.

7.3 Retention of Personal Data: QIO stores your personal data only as long as necessary for the purposes in sections 7.1 and 7.2 and to the extent needed to fulfil legal obligations, settle disputes and enforce legal agreements and policies. Usage Data may be retained for shorter periods unless needed for security/functionality or required by law.

7.4 Storage and Transmission of Personal Data: Your personal data is stored on servers in Switzerland using carefully selected service providers. Cross-border transfers occur only with adequate safeguards (e.g., adequate jurisdictions, standard contractual clauses, binding corporate rules).

7.5 Service Providers: QIO may engage third parties to provide/facilitate services. They have access to personal data only to perform tasks on QIO’s behalf and must not disclose or use it for other purposes.

7.6 Disclosure of Personal Data: QIO may disclose data to comply with legal obligations, protect QIO’s rights and property, prevent/investigate misuse of the Website, or protect against legal liability.

7.7 Data security: QIO implements appropriate technical and organizational measures and limits employee/service provider access on a need-to-know basis. Despite safeguards, no method is fully secure; use antivirus, firewall, etc.

7.8 Privacy rights: Depending on your country, you may have rights including access, rectification, completion, withdrawal of consent, deletion, restriction, portability, objection (when processing is based on legitimate interests), and the right to lodge a complaint with a supervisory authority (in Switzerland: the Federal Data Protection and Information Commissioner). QIO may verify identity. Requests are typically free and handled within 30 days; a reasonable fee may apply in cases of disproportionate effort.

7.9 Links to third party Websites: QIO is not responsible for third-party sites or apps and their privacy policies.

7.10 Use of cookies: QIO uses cookies and similar technologies. Most cookies are session cookies (deleted after the visit); some are persistent. You can adjust browser settings, but technically necessary cookies cannot be disabled if you want to use the Website. Disabling cookies may limit functionality.

8. Changes

QIO may change and update these Terms of Use at any time by publishing them on the Website. Changes take effect upon publication. Continued use of the Website constitutes acceptance. QIO recommends reviewing these Terms of Use regularly.

9. Final provisions

If any provision of these Terms of Use is unlawful, void or unenforceable, the remaining provisions remain in full force with any necessary adjustments.

These Terms of Use are governed exclusively by substantive Swiss law, excluding conflict-of-law rules and the UN CISG. All disputes shall be subject to the exclusive jurisdiction of the ordinary courts at the domicile of QIO Quantitative Investment Office AG.