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Terms and conditions for the use of Keytrade Bank Luxembourg

Any person accessing the Keytrade Bank Luxembourg Internet site (hereinafter the 'user') is presumed to have accepted these terms and conditions for the use of Keytrade Bank Luxembourg site.

1. Utilisation rights and obligations

The information disseminated and the tools offered on the site may only be used by users for personal purposes, in a normal and reasonable manner, and exclusively for the purposes for which the information is made available.

2. Identification

Keytrade Bank Luxembourg SA (Keytrade Bank Luxembourg) is a company under Luxembourg law agreed, according to the law of 5th of April 1993 concerning the financial sector (establishment authorisation number 3/03). Keytrade Bank Luxembourg has the statute of broker and bank, according to article 24 a) of the law. Like all Luxembourg financial institutions, the company is submitted to the control of 'Commission for the Surveillance of the Financial Services Sector's ( and is subjected to Luxembourg's strict banking and privacy laws.

3. Access to the site

In so far as the service can be accessed from anywhere in the world, it is the responsibility of any person connecting to the site to comply with the laws of the country in which they are resident and/or using the service and that person will bear any direct or indirect consequences resulting from non-compliance with the legal and regulatory requirements. Keytrade Bank Luxembourg. ( cannot under any circumstances be held liable for such violation.

4. Property rights, notably intellectual property rights

Each user of the site acknowledges that the information, images and data published on the site in any form whatsoever are and shall remain the property of Keytrade Bank Luxembourg and/or its suppliers and undertakes not to publish, disseminate, use, transform, alter, or reproduce them, in full or in part, in any manner whatsoever and in any form whatsoever, without the prior express written consent of Keytrade Bank Luxembourg. This stipulation covers the content of the site and its components, as well as its form, presentation, structure and general 'look and feel'.

The marks, appellations and logos, whether or not registered, present on the site are the exclusive property of Keytrade Bank Luxembourg or other companies and cannot be used or reproduced.

No element of this site may be interpreted as being an assignment of property rights, notably intellectual property rights, to the site's user.

5. Liability

Keytrade Bank Luxembourg makes available to the user, within the limits of these terms and conditions of use, its Internet site, its functions and the information contained therein. The user is aware of the fact that most of the information, data, tools and functions on the Keytrade Bank Luxembourg site are only accessible to clients of Keytrade Bank Luxembourg who have entered into a banking relationship with Keytrade Bank Luxembourg and may access these functions and information via confidential and personal codes provided to them by Keytrade Bank Luxembourg. The general terms and conditions of Keytrade Bank Luxembourg and/or other specific contracts concluded by Keytrade Bank Luxembourg with its clients shall prevail over these terms and conditions of use.

Keytrade Bank Luxembourg may decide at any time to modify its site or the functions, tools and information available on its site and cannot incur any liability vis-à-vis the site's users as a result of these changes. Keytrade Bank Luxembourg does not undertake in any way to maintain the products and services available on its site and may decide at any time to remove or modify the products and services contained on its Internet site, without incurring any liability vis-à-vis the site's users. The site and its components cannot be considered as an offer of products or services from Keytrade Bank Luxembourg nor as a means to sell or purchase banking, financial, insurance or other products or services. This site is merely intended to provide information to users, and Keytrade Bank Luxembourg is free to modify it at any time. Keytrade Bank Luxembourg is also free to decide at any time to block or suspend access to its site, for any reason whatsoever, or to close its site.

All of the information published or disseminated on the site is provided on a purely informational basis to the persons who consult it. This information is published without any undertaking concerning its exhaustiveness, accuracy and timeliness and without guarantees of any type, whether express or implicit. A portion of this information comes from third parties, which Keytrade Bank Luxembourg considers reliable sources. Keytrade Bank Luxembourg nevertheless waives any liability in case of erroneous or incomplete information contained on its site, whether it comes from Keytrade Bank Luxembourg or third parties. The user is exclusively responsible for any use of the site or of the information contained on the site and nothing on the site is intended to replace the user's personal and informed analysis or its technical and professional knowledge. The information disseminated on the site does not constitute any legal, accounting, fiscal, investment or management advice.

Keytrade Bank Luxembourg waives all liability and does not offer any guarantee in case of interruption or improper functioning of its site. Keytrade Bank Luxembourg also waives any liability for direct or indirect damages that users could incur following access to or use of its Internet site, notably in case of damages caused to their computer or IT systems by viruses that, despite the various protective measures implemented, could not be detected or avoided.

Keytrade Bank Luxembourg does not have any control over and waives all liability for third party Internet sites to which the user may have access via any hyperlinks found on its Internet site, or for the content and information contained on these sites or for compliance with applicable regulations by these other sites. Keytrade Bank Luxembourg provides these hyperlinks solely for the convenience of the users and has not checked, tested or verified the information or software programs found on these sites. The possibility to surf via hyperlinks to other Internet sites cannot under any circumstances be construed as a type of advice or as an approval by Keytrade Bank Luxembourg of information found on this site. The user uses these hyperlinks at his own risk and Keytrade Bank Luxembourg therefore cannot be held liable for any damages that could result from the use of these hyperlinks. Any hyperlinks to the Keytrade Bank Luxembourg site or to a page or a portion of the site can only be inserted on a third party's site with the prior express written consent of Keytrade Bank Luxembourg.

In addition, Keytrade Bank Luxembourg cannot be held liable for the hyperlinks created on third parties' sites.

6.1. Protection, Processing and Use of personal data

We use your personal information to enhance the quality of the products or services we wish to provide to our customers or in connection with your investments with or through us and to maintain contact details for those with whom we deal. We restrict access to personal information about you to those employees, agents or other parties who need to know that information to provide products or services to you or in connection with your investments with or through us. We maintain physical, electronic and procedural safeguards to guard your personal information, including individual passwords and encryption and authentication technology. We do not use for purposes other than as set out above, or disclose to any third party any personal information about our customers or former customers, except with such customer’s consent or as otherwise permitted or required by law. In cases where we believe that additional products and services may be of interest to you, we may share your personal information with affiliates of Keytrade Bank Luxembourg to the extent permitted by applicable law. We may also disclose this information to firms that perform services on our behalf to the extent permitted by applicable law. These service providers are required to treat the information confidentially and use it only for the purpose for which it is provided. Certain juridictions may have more stringent privacy requirements that will prevent disclosure of your personal information to any other person or entity, including affiliates.

We will retain your personal information in accordance with applicable data protection laws for so long as it is needed.

6.2. Personal data

The personal data communicated to us are treated in strict confidence and will under no circumstances be disclosed to third parties without client’s prior agreement and in conformity with the Luxembourg legal provisions governing bank secrecy. Pursuant to the legislation on the protection of personal data, clients are entitled to access and correct the data concerning them. They may exercise these rights by means of a written request accompanied by a copy of their identity document to that effect sent to the Company at the address given below. Refusal to communicate such personal data to the Company and withholding permission to store such data electronically while permissible under the law, may prevent the establishment of business relations or the continuance of existing relations.

6.3. Security

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6.4. Use of cookies

Cookies are small data files that most Internet sites place on your hard drive in order to recognise you when you come back to visit the site. Keytrade Bank Luxembourg's site also uses cookies in order to identify you easily when you visit it. These cookies contain certain types of information regarding your most recent visit to the site, such as the language selected. As you are immediately identified, this makes it possible to personalise your visit to the site and limit the time that you spend online. This information stored using cookies is also processed by Keytrade Bank Luxembourg in order to compile statistics on visits to the site and in order to improve the site.

If you do not want these cookies to be placed on your hard drive, you can adjust your browser such that cookies cannot access your hard drive. Keytrade Bank Luxembourg does not, however, guarantee that in such a case the Internet site will function correctly. However, you may also delete the cookies that have been registered on your hard drive after each visit to the site.

7. Risk disclosure

Clients are advised to read attentively the characteristics and risks of the financial instruments.

8. Modification of these conditions of use, competence and governing law

Keytrade Bank Luxembourg may modify these conditions of use at any time. The conditions of use applicable to any use of the Keytrade Bank Luxembourg site are those available and published on the Keytrade Bank Luxembourg site on the day of the site's consultation. The nullity or invalidity of a provision in these conditions of use shall not affect the validity of the other provisions of these conditions.

These conditions of use are governed by Luxemburgish law.