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By opening and/or using the information, services, links, functions, applications or programs (hereinafter: "contents") offered on this website, the user hereby agrees to be bound by the terms and conditions set out below:

Copyright law:
The contents offered on this website and sub-sites (hereinafter: the elbanews.at Website) are protected by copyright law. The downloading or storage of applications or programmes contained on the elbanews.at Website and the (complete or partial) reproduction, transmission, modification or linking of the contents of the www.elbanews.at Website shall only be permitted with the express and written consent of "Raiffeisen Service Center" (hereinafter: RSC).

Users are, however, entitled to print, download or store individual pages or segments of this website under the provisions of Austrian copyright law and only if the copyright notices or other designations protected by law are neither removed nor changed.

No solicitation or investment recommendation:
The contents of the elbanews.at Website shall serve only information purposes and shall not be considered a solicitation or an offer to buy or sell any type of investment instrument under Austrian capital market laws or under capital market laws of other jurisdictions. All concrete investment decisions should be preceded by an appointment with an investment advisor, and we would be pleased to offer our services in this respect.

Information content, timeliness of information:
RSC has made every effort to ensure reliability in researching the information published on this Website as well as in selecting the source of information used. Nonetheless, RSC does not assume any liability whatsoever for the correctness, completeness, timeliness or uninterrupted availability of the information made available on its Website or as regards the sources of information used.
The market analyses, price and company analyses as well as forecasts published on the elbanews.at Website are based on the information available and the market assessment at the point in time stated in the respective publications. The company analyses may rely in part on information taken directly from the respective company's own sources. We do not assume and hereby expressly exclude any liability for the correctness, completeness or actual occurrence of the events described in the forecasts.

Links to websites or URLs of third-party providers:
With the exception of the cases regulated under § 17 of the Austrian E-Commerce Act, RSC does not assume any liability for the content of elbanews.at Website or URLs of other providers to which links are provided. Neither does RSC assume any liability for the uninterrupted availability or full functionality of the links to websites or URLs of third parties.

Exclusion of liability:
RSC makes no warranty and will accept no liability for any damages whatsoever (including consequential or indirect damages or lost profits) relating to the access to the elbanews.at Website, the opening, use or querying of the contents on the Website or relating to the links set up on the elbanews.at Website to websites or URLs of third parties. This applies also in cases in which RSC points out the possibility of incurring such damages. Furthermore, RSC shall not be liable for technical disruptions such as server breakdowns, operating disruptions or failures of the telecommunications links and other similar events, which could lead to the (temporary) unavailability of the elbanews.at Website as a whole or parts of it.

Changes to the elbanews.at Website:
RSC retains the right to change and to remove the elbanews.at Website at any time (if necessary also without prior notice), in particular as regards changing existing contents (in full or in part) and adding new contents.

Last Updated: Mai 2004 (Translated from german: Sep 2006)