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Disclaimers
1
AUDIENCE
1.1 Although anyone may be able to access this website, some
of the services featured are only directed at and are only
available to and for use by residents of Malta. By accessing
this website the user represents to be a Maltese resident
or resident in a jurisdiction in which such access is allowed.
2 THE WEBSITE
2.1 This website contains specific information about services
and products by GlobalCapital p.l.c. and its subsidiaries
hereinafter referred as the "Companies" including
application forms and terms and conditions relating to them.
In connection with any product or service, the relevant application
forms and guidelines as well as terms and conditions shall
apply in relation to any application for or agreement entered
into with respect to any such product or service. Information
made available on this website is intended for general information
purposes only. In the event of any conflict between the terms
and conditions relating to any product and service and these
Terms of Use the former shall prevail.
3 USE OF THE WEBSITE
3.1 Users shall not copy, adapt, download or otherwise use
for any purpose the information contained on this website,
save as expressly permitted in connection with any application
for a product or service featured on this website; for enquiring
about any of the products or services featured on this website;
or for the downloading and temporary storage of one or more
of these website pages for the purpose of viewing on a personal
computer or terminal.
3.2Users shall not reproduce, permanently store, or re-transmit
the contents of this website without prior written consent
from the Companies.
3.3 Users shall not create any hypertext links or deep links
between this website and any third party website without prior
written consent from the Companies.
3.4 Hyperlinks in this website are provided for information
purposes only and do not imply endorsement of or acceptance
of responsibility for their content by the Companies. Use
of hyperlinks is at the users' own risk who should consult
linked websites terms and conditions and privacy policy. By
using a hyperlink users shall, whether they are aware of it
or not, leave this website and the Companies shall not be
in anyway responsible for the material or products or features
offered in any such third party website or for any dealings
between users and any such third party.
3.5Users shall not
3.5.1 Introduce or attempt to introduce any virus or any other
contaminant to this website or any systems operated by the
Companies;
3.5.2 In any way attempt to alter, de-compile, reverse engineer,
destroy or otherwise tamper with any part of this website
or any systems operated by the Companies;
3.5.3 Interfere with another person's access to or use of
this website;
3.5.4 Obtain access to information relating to another person
which is stored in any systems operated by the Companies;
3.5.5 Use or attempt to use this website or any systems operated
by the Companies for any unlawful or immoral purpose;
3.5.6 Use this website for any commercial purpose;
3.5.7 Use this website or any systems operated by the Companies
to create a database (electronic or otherwise) that includes
material downloaded or otherwise obtained from this website
or any systems operated by the Companies.
3.6Access to this website is at the discretion of the Companies.
4 LIABILITY
4.1 Any personal data collected from users shall only be processed
in accordance with the Privacy Policy.
4.2This website may be updated from time to time and the content
of or the services featured on this website, including these
Terms of Use are subject to change at any time without notice.
Material changes to these Terms of Use will be posted on a
prominent announcement in the website.
4.3 While every effort is made to keep the information and
material in this website accurate and up to date, to the fullest
extent permissible by any applicable law, the Companies do
not warrant the accuracy, adequacy, completeness or timelines
of the content of this website or its error-free use. The
Companies do not represent or warrant that this website will
be available or that it will met users' requirements, that
access will be uninterrupted, that there shall not be any
delays, failures, errors, omissions, loss of transmitted information
or that no viruses or other contaminating or destructive properties
will be transmitted or that no damage will occur to the users'
computer systems. Users shall retain sole responsibility for
the adequate protection of their data or equipment and undertake
the necessary precautionary measures.
4.4To the fullest extent permissible under any applicable
law, the Companies shall not be liable for any damages, losses,
or any other liabilities including without limitation loss
of profit, incidental or consequential damages, in connection
with the use of or access to this website or reliance on its
content.
5 MISCELLANEOUS
5.1Users are responsible for having an appropriate connection
with a telecommunications provider in order to access this
website and for all costs incurred in such connection.
5.2 These Terms of Use shall be governed and be construed
in accordance with the laws of Malta and are subject to the
exclusive jurisdiction of the Maltese courts.
6 INVESTMENT WARNING
6.1GlobalCapital Financial Management Limited is licensed
to conduct investment services business by the Malta Financial
Services Authority and is a Member of the Malta Stock Exchange.
6.2The value of securities, the dividends paid on them and
the currencies in which investments are denominated can fall
as well as rise; an investor may get back less than the original
investment. Past investment performance is not a guarantee
of future performance. Maltese exchange Controls may apply.
6.3Some investments may not be suitable for all private investors.
Before making any decision about his investments, based on
information contained in this website or otherwise, an investor
should seek the advice of a professional financial advisor.
Information contained or opinions expressed in this website
do not constitute investment advice, or offer to buy or sell
any securities or financial instruments.
6.4GlobalCapital Financial Management Limited, its Directors,
employees and clients may have a position or engage in transactions
in this security.
7 FURTHER INFORMATION
Any questions about these Terms of Use or this website should
be referred to:
Manager - Legal - Dr. Malcolm Cassar
GlobalCapital Financial Management Ltd
Head Office
120 The Strand, Gzira GZR 1027, Malta
Tel: (00356) 21 342 342
Fax: (00356) 21 333 100
email: info@globalcapital.com.mt
8 COPYRIGHT DISCLAIMER
The contents and material within this website are copyright
of GlobalCapital p.l.c. and its subsidiaries hereinafter referred
to as the "Companies" and covered by the provisions
of the Copyright Act, the laws of Malta, as well as policies,
regulations and international agreements entered into by the
Government of Malta. The information contained in this website
is available for personal and non-commercial public use.
Any use, other than printing and downloading for strictly
personal purposes, and any reproduction in whatsoever from
is prohibited without prior written consent from the Companies.
Any reproduced materials shall not in any way be represented
as an official version, nor as having been produced in affiliation
with or with the endorsement of the Companies. Reproduction
of material from sites linked to this website can only be
made after authorization from the copyright holder concerned
is obtained.
PRIVACY
POLICY
GlobalCapital
p.l.c. (GlobalCapital) operates this website and is the Data
Controller of all your personal data processed in connection
with this website.
For the purposes of this website the term 'Personal Data'
means any information relating to an identifiable person who
can be identified directly or indirectly by reference to an
identification card number or to one of more factors specific
to his physical, physiological, mental, economic, cultural
or social identity.
GlobalCapital regards your privacy as very important.
Any personal information you provide to GlobalCapital through
this website will be dealt with in accordance with this Privacy
Policy, the Legal Disclaimer of this website and any signed
authority form that you may give to GlobalCapital.
This Privacy Policy describes the information GlobalCapital
may collect from you and the purpose for its collection.
1 DATA PROTECTION
When processing any personal information provided by you,
GlobalCapital, as Data Controller, shall take all necessary
steps to comply with the Data Protection Act, Act XXVI of
2001 and all subsidiary legislation made thereunder.
1.1 In accordance with the Data Protection Act, GlobalCapital
is required to collect the information fairly and to let you
know how it will be used and whether this will be passed or
made available to third parties.
1.2 GlobalCapital shall comply with the Principles set out
in the Data Protection Act and shall ensure that all personal
information supplied is held securely.
1.3 GlobalCapital warrants that personal information will
be held only as long as is necessary.
1.4 GlobalCapital uses up to date industry procedures to keep
personal information safe and secure against loss, unauthorised
disclosure or access.
1.5 You have a statutory right to access free of charge your
personal information held by GlobalCapital. Should you wish
to obtain a copy of the personal information held by GlobalCapital
you should write to the Data Protection Officer, at the
address hereunder, email: info@globalcapital.com.mt . On satisfaction of your identity, GlobalCapital will provide
you with a copy of your personal information within 30 days
from receipt of your request.
1.6 You are to notify GlobalCapital immediately should you
have reason to believe that any personal information held
is inaccurate.
2 WHAT PERSONAL INFORMATION IS COLLECTED AND WHY?
2.1 GlobalCapital collects and uses personal information about
you in order to administer the services to be provided to
you, for market research and statistical analysis and for
marketing to you products and services offered by GlobalCapital.
2.2 Should you not wish to be contacted about or receive marketing
information from GlobalCapital please place a cross in the
following opt out box [ ], or should you, at any time, decide
that you no longer wish to be contacted about or receive marketing
information from GlobalCapital please write to the Date Protection
Officer email: info@globalcapital.com.mt
3 TO WHOM CAN GCFM SUPPLY
YOUR PERSONAL INFORMATION
GlobalCapital shall only supply your personally identifiable
information:
3.1 To members of the GlobalCapital Financial Management Ltd
3.1.1 Provided that if you do not
want GlobalCapital to pass on your personal information to
these third parties please place a cross in the following
opt out box [ ] or should you, at any time, decide that you
no longer wish GlobalCapital to pass on your personal information
to these third parties please write to the Date Protection
Officer email: info@globalcapital.com.mt or
3.2
When GlobalCapital reasonably needs to share the information
to provide a service you have requested; or
3.3 To prevent fraud or any other crime; or
3.4 To other Group companies through shared databases or to
other companies to who GlobalCapital has delegated administrative
functions to the extent that the information is required for
the proper carrying out of such administrative functions;
or
3.5 Whenever GlobalCapital provides information to comply
with any regulatory or legal requirement.
4 LINKS TO OTHER WEBSITES
This Privacy Policy only extends to this website and does
not extend to your use of, access to, provision of data to
and collection of data on any other website which may be connected
to this website through hyperlinks.
5 COOKIES
This website does not use cookies or webbugs.
6 CHANGES TO THIS PRIVACY POLICY
This website may be updated from time to time and the content
of or the services featured on this website, including this
Privacy Policy are subject to change at any time without notice.
Material changes to this Privacy Policy will be posted on
a prominent announcement in the website.
7 FURTHER INFORMATION
Any questions about this Privacy Policy or this website should
be referred to:
Manager - Legal & Compliance - Dr. Adrian Cutajar
GlobalCapital Financial Management Ltd
Head Office
120 The Strand, Gzira GZR 1027, Malta
Tel: (00356) 21 342 342
Fax: (00356) 21 333 100
Email: info@globalcapital.com.mt
8
RISK WARNINGS
The value of investments can go up as well as down and past
performance is not an indication to future performance.
9
LICENSING STATEMENTS
GlobalCapital Financial Management Ltd (GCFM), GlobalCapital
Fund Advisors Ltd (GCFA) and GlobalCapital Insurance Brokers
Ltd (GCIB) are licensed by the Malta Financial Services Authority
(MFSA).
GlobalCapital Life Insurance Ltd (GCLI) is authorised to transact
Long Term Insurance Business and is regulated by the MFSA.
GlobalCapital Health Insurance Agency Ltd (GCHIA) is authorised
to act as an Insurance Agent and is regulated by the MFSA.
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