Legal Notice

You are connected to the site of NPG Wealth Management (the "group"): www.npgwealthmanagement.com and www.npgwm.com (the "website"), which is a property of Finadmin E.I.G. and is governed by the conditions set out below. Please read carefully the conditions before using the website. Using this website indicates that you accept these conditions.

Website Management and Hosting
This website is managed and hosted by Finadmin E.I.G.

Registered Office:
38, Parc d’Activités de Capellen,
L-8308 Capellen

Postal Address:
38, Parc d’Activités de Capellen
B.P.192
L-8303 Capellen

Telephone +352 45 67 301
Facsimile +352 45 67 34
E-Mail: info@npgwealthmanagement.com

Economic Interest Grouping incorporated and organized under Luxembourg Law.
R.C.S. Luxembourg C. 63
VAT I.D.: LU 19951061

Finadmin E.I.G. is hereinafter referred as "we", "us" and "our".

Purpose
This website is exclusively intended to provide information on the corporate structure of NPG Wealth Management as well as on the business and the main features of the products and services offered and developed by the companies of the group.

How your personal information is used by NPG Wealth Management
(last updated 15 September 2009)

Information we collect from you
In general you can visit this website without telling us who you are or revealing any information about yourself.

However, there may be parts of this website where we may need to collect personal information from you and by submitting your personal information you are consenting to it being used as set out in the points ‘use of information collected’ and ‘use of cookies’.

Use of information collected

• Domain name information that we collect is not used to personally identify you and instead is aggregated to measure the number of visits, average time spent on the website, pages viewed etc. We use this information to measure the use of our website and to improve its contents.
• When other personal information, such as your name and email address is collected from you (for example through online forms, etc.) we generally let you know at the time of collection how we will use that personal information.
  
• We may also use the personal information you provide or which we collect via this website for the purposes of:
  • providing you with services which you have requested and notifying you about important changes or developments to these services;
    
  • updating our records about you;
    
  • crime detection, prevention and prosecution;
    
  • responding to your inquiries and complaints or to process your requests in relation to your information;
    
  • administering offers, competitions and other promotions;
    
  • evaluating the effectiveness of our marketing and for research, training and statistical analysis with the aim of improving our services; and
    
  • making the website easier for you to use and providing you with access to certain parts of the website.
    
• We will treat your personal information as confidential but may share it with each other and disclose it outside NPG Wealth Management if it:
  
  • is necessary for compliance with a legal obligation to which NPG Wealth Management is subject; or
    
  • is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in NPG Wealth Management; or
    
  • is necessary for the performance of a contact to which you are party or in order to take steps at the request of you prior to entering into a contract; or
    
  • it is necessary for the purposes of the legitimate interests pursued by NPG Wealth Management, expect where such interests are overridden by your interests or fundamental rights and freedoms; or
    
  • is necessary in order to protect your vital interests; or
    
  • you have given your consent.
    
• We may monitor, record, store and use any email or other communications we have with you, so that we can check any instructions given to us, for crime prevention and to improve the quality of our customer service.
• By using the website you consent to us using your personal information for the purposes described above.
  

Use of cookies

• Cookies are small amounts of information that are stored on your computer to enable our server to collect certain information from your web browser. Cookies in themselves do not identify the individual, just the computer used. Cookies and other similar technology make it easier for you to log on to and use the website during future visits.
• Cookies may be used in this website by us and by third parties to:
  • monitor and manage website traffic;
  • to identify you when you visit the website, to personalize the content of the website for you;
  • temporarily to store details input into calculators and other tools on the website.

Cookies themselves only record which areas of the website have been visited by the computer in question, and for how long. Allowing us or a third party to create a cookie does not give us access to your computer and we will not use cookies to track your online activity once you leave the website. Cookies are read only by the server that placed them, and are unable to execute any code or virus.

With most internet browsers, you can erase cookies from your computer hard drive, block all cookies or receive a warning before a cookie is stored. However, please note that switching off or "opting out" of cookies will mean that you may not be able to use certain features of the website.

Protecting your privacy
The Internet is a global environment and using the Internet to collect and process personal information necessarily involves the transmission of data on an international basis. By browsing this website you acknowledge and agree to our processing of personal information in this way. We accept no responsibility or liability for the security of personal information transmitted via the Internet.

Copyright
Any and all data and information appearing on this website, including but not limited to any and all texts, layout, illustrations, publications, pictures, logos and trademarks are protected by international copyright. It is formally prohibited to any third party to use such data and information whether in whole or in part, in any form and by any means including but not limited to copy, adaptation, translation, arrangement, modification, representation or reproduction, unless with the prior written agreement of the holder of the copyright.

References and hyperlinks to the website require our prior consent.

Disclaimer – Limitation of Liability
Persons subject to jurisdictions that, for reasons of citizenship, residence, regulations applicable in the country where the user is connected or any other considerations, prohibit or restrict the publication or availability of the website or the information it contains, are authorized to access the website only insofar as this is allowed under the law applicable to them.

Any and all information appearing on this website is for information purpose and is not of a contractual nature. Such information may not be complete, accurate, precise and up to date. They may content typographical errors and be changed at any time by any means without notice.

Due to the complexity of the products and information appearing on the website, it is highly recommended to seek the opinion of a qualified adviser who will assist you for the use and/or interpretation of such information. The information is to be used with all usual care, both as regards to its content and with respect to each person’s specific situation and requirements. The information does not in any case constitute a recommendation, offer or solicitation for the sale or purchase of, or subscription to, any financial instrument. It is not of the nature of advice of any kind, whether as regards financial management, investment, cover for risk, trading or legal regulatory, tax or accounting matters.

We may not be held liable for any direct or indirect damage resulting from the use of the website or of information appearing on the website and the user shall remain solely liable for any decision he or she may take. Neither we nor any other party involved in creating, producing or delivering this website or on any website linked to this website shall be liable in any manner whatsoever for any direct, incidental, consequential, indirect or punitive damages arising out of the user’s access, use or inability to use this website or any website linked to this website (including but not limited to websites of any companies of NPG Wealth Management), or any errors or omissions in the content thereof, including, but not limited to, any loss of profits, and business interruptions.

Links to Third Party Resources
Any third-party resources (including but not limited to resources available on the specific websites of any companies of NPG Wealth Management) that can be accessed with hypertext links from this website are not under our control, and we are not liable for the contents of any of these third-party resources (including but not limited to resources available on the specific websites of any companies of NPG Wealth Management). The inclusion of any link on this website does not imply any recommendation, approval or endorsement of that site by us.

Language
In case of discrepancy between different versions of this website, the English version of this website shall prevail.

Applicable Law and Competent Court
Information and data appearing on the website are exclusively governed by the laws of the Grand Duchy of Luxembourg. The court and tribunals of Luxembourg will have exclusive jurisdiction for any disputes relating to this website.

Webdesign und Photography
Graphic Design by Atelier Wolfgang Beinert | Berlin
Title Photos by Michael Nischke | Munich

The photo on the front page shows the building of the philharmony of Luxembourg, constructed by Christian de Portzamparc.

© 2010 NPG Wealth Management