TERMS OF USE

______

1. Agreement

By using the website http://www.luxemwealth.com/ and any of its pages (hereafter the “Site”), you confirm that you have reviewed, understand and agreed to the following important legal information and terms of use (the “Terms”). If you do not agree to the Terms, please exit the Site immediately.

The Terms are subject to change at any time without notice. Access to and use of the Site may be restricted or terminated at any time and without notice.

Access to and use of the Site as well as the Terms are governed by UK law and the courts of the UK will have jurisdiction relating to any dispute.

2. No offer, no advice

The information, products, data, services, tools and documents contained or described on this Site (the “Content”) are for information purposes only and constitute neither an advertisement or recommendation nor an offer or solicitation to buy or sell investment instruments, to effect any transaction or to enter into any legal relations.

The financial products mentioned on the Site are not suitable for all investors. Prior to making investment decisions investors should conduct a thorough investigation and obtain all necessary professional advice.

3. Local legal restrictions

The Content is not intended for use by or distribution to any individual or legal entity in any jurisdiction or country where such distribution, publication or use would be contrary to the law or regulatory provisions or in which Luxem Wealth Management (“LWM”) does not hold the necessary registration or license. Individuals or legal entities in respect of whom such prohibitions apply, whether on grounds of their nationality, their plLWM of residence or on other grounds, must not access or use the Site.

Some entities, services and products of LWM may not be registered or licensed under legal and regulatory provisions governing financial services or products and their providers in certain countries, including the United States, the United Kingdom of Great Britain, Switzerland, Luxembourg, and Hong Kong. Therefore, all users are requested to contact the nearest LWM entity for information about products and services available in their country.

4. No warranty

LWM provides no warranty and makes no representations of any kind whatsoever regarding: (1) the accuracy or completeness of the Content; (2) the results to be obtained by any user of the Site; or (3) any third party content accessible on or through the Site.

Except to the extent required by current laws and/or regulations, LWM, including its directors, agents, employees or subcontractors: (1) disclaims any and all express or implied warranties and conditions including without limitation warranties and conditions as to quality and fitness for a particular purpose; and (2) does not warrant that the Site, the Content (including any third party content), goods and services referred to therein will be uninterrupted or error free, that defects will be corrected or that the Site, the servers from which it is available or any connected website is free of viruses, trojan horses, worms, software bombs or similar items or processes or other harmful components. In order to safeguard against viruses, it is advisable to use up-to-date versions of browsers and to install and continuously update antivirus software. Users should strictly avoid opening e-mails of unknown origin or unexpected e-mail attachments.

Any data, including but not limited to financial market data, quotes, notices, research or other financial information accessible through this Site, has been obtained from carefully selected sources believed to be reliable. All such information is provided “as is” to the user without express or implied warranties of any kind, including warranties of quality, originality, non-infringement of intellectual property or fitness for any particular purpose.

The information and opinions in the Site are descriptive of LWM as a whole and the products and services described may not be available to or suitable for all investors. The fact that a user accesses the Site does not make him a client of LWM.

Any expressions of opinion, estimates and projections on the Site are those of the authors at the date of writing. They do not necessarily reflect the view of LWM and are subject to change at any time without prior warning. LWM and its contractual partners may discontinue, or make changes in, the information, data and documents, and the products or services described herein, at any time without prior notice. Any information marked with a date is published as of this date only and no obligation or responsibility is undertaken to update or amend any such information.

5. No liability

TO THE MAXIMUM EXTENT PERMITTED BY CURRENT LAWS AND/OR REGULATIONS, LWM, INCLUDING ITS DIRECTORS, AGENTS, EMPLOYEES, SUB-CONTRACTORS AND ITS SALES PARTNERS DISCLAIM ANY AND ALL LIABILITY FOR LOSSES OR DAMAGES OF ANY KIND WHATSOEVER ARISING DIRECTLY OR INDIRECTLY AS A RESULT OF (1) THE DATA, INFORMATION, ACCURACY, COMPLETENESS OR OTHERWISE OF THE CONTENT OR ANY LINKS OR THIRD PARTY CONTENT; (2) ANY ERRORS IN OR OMISSIONS FROM THE SITE; (3) USE OF OR ACCESS TO THE SITE; (4) ANY INABILITY TO ACCESS OR USE THE WEBSITE FOR ANY REASON.

TO THE FULL EXTENT PERMITTED BY CURRENT LAWS AND/OR REGULATIONS, LWM SHALL NOT BE LIABLE FOR ANY (1) LOSS OF PROFITS OR REVENUE OR SAVINGS OR OTHER ECONOMIC LOSS, (2) LOSS OF BUSINESS OR GOODWILL, (3) LOSS OF OR DAMAGE TO DATA, (4) INCIDENTAL OR SPECIAL LOSS, (5) WASTED OR LOST MANAGEMENT TIME, OR (6) INDIRECT OR CONSEQUENTIAL LOSS ARISING FROM USE OF OR ACCESS TO THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF ANY SUCH LOSS OR DAMAGE OR IF SUCH LOSS OR DAMAGE WAS FORESEEABLE.

6. Proprietary information

Unless accompanied by an explicit statement to the contrary, the entire Content on this Site is protected by copyright, database rights, or other intellectual property rights, and is the property of LWM.

Except as otherwise specifically agreed in writing or to the extent necessary to use the Site in accordance with these Terms, you shall not: (1) copy the Site in whole or in part (except to make backup copies solely for disaster recovery purposes); (2) display, reproduce, create derivative works from, transmit, sell, distribute, rent, lease, sublicense, time-share, lend or transfer or in any way exploit the Site in whole or in part; (3) embed the Site into other products; (4) use the Site in any timesharing arrangement; (5) create function calls or other embedded links from any software program to the Site; (6) remove or obscure any copyright notice of LWM or any of its suppliers; (7) use any trademarks, service marks, domain names, logos, or other identifiers of LWM or any of its third party suppliers; or (8) save to the extent permitted under by law, reverse engineer, decompile, disassemble, or access the source code of the Site.

Nothing on the Site is designed to grant any license or right to use any image, trademark or logo. No act of downloading or otherwise copying from the Site will transfer any legal entitlement to any software or material on the Site to you. LWM reserves all intellectual property rights (such as copyright and trademark rights) to all material on the Site, and will enforce such rights to the full extent of applicable law.

7. Material interests

LWM and/or its board of directors, executive management and employees may have or have had interests or positions or traded or acted as market makers in securities referred to on the Site. Furthermore, such entities or persons may have or have had a relationship with or may provide or have provided corporate finance or other services to or serve or have served as directors of companies referred to on the Site.

8. Performance

The past is not an indication of the future performance of an investment. The value of investments may be subject to fluctuations and investors may not get back part of or the entire amount invested. Changes in rates of foreign exchange may also cause the value of investments to go up or down.

9. Monitoring

Please note that all your actions while using this Site may be recorded and analyzed for various purposes, including security, marketing and system monitoring purposes.

10. Third-party websites

Links to third-party websites on the Site are provided solely as pointers to information on topics that may be useful to users of the Site, and LWM has no control over the content on such third-party websites. No warranties or liability concerning the content of such websites are made, including assurances that it is correct, accurate, complete, true, up-to-date or fit for any particular purpose. Nor does LWM warrant that such website or content is free from any claims of copyright or trademark or other infringement of the rights of third parties or that such site or content is free of viruses or other harmful components. No guarantee as to the authenticity of documents on the Internet is given.

11. Data transfer/processing

Whilst LWM takes measures to ensure that your personal data cannot be intercepted by third parties, please note that when using this Site, data is transported over an open network (Internet) which is accessible to third parties and which cannot be regarded as a secure environment. LWM may transmit or store any data provided by you when using this Site outside your country of residence. In such cases, LWM will make every effort to secure an appropriate standard of protection for your data, taking account of the applicable legal and regulatory requirements, including those relating to bank client confidentiality and data protection, but it is possible that data may be relayed to a country in which the prevailing standards of data protection are lower than in your country of domicile. LWM accepts no responsibility or liability for the security of your data during transmission via the Internet. We would like to draw your attention to the fact that you can communicate with us by other means whenever you consider it appropriate on data protection grounds.

LWM does not use this Site to collect any personal data, except where you explicitly and knowingly provide such data.

12. Investment funds, derivatives, research

This Site contains information on investment products and research material of LWM. You will only be able to access detailed information on these subjects after indicating your country of origin and confirmation on your type of investor. You will then be given access to information on investment products and research material of LWM authorized for distribution in your jurisdiction. When obtaining access to such information you are required to pay particular attention to any accompanying legal information.

13. Assignment, Subcontracting and Delegation

These Terms are for the benefit of LWM its successors and assigns. LWM may assign or transfer any of its rights under these Terms. LWM may delegate or subcontract the performance of any obligation under these Terms.