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Welcome to Swissxer.com (this “Site”). These Terms of Use (“Terms of Use”) govern the use of this Site provided by Swissxer, Incorporated (“Swissxer,” “we,” “us,” “our”). As used herein, “You” and “Your” refers to any individual, company or legal entity that accesses or otherwise uses the Site.

This Site includes areas that are open to all visitors and password-protected areas, such as the secured financial information areas (the “Service”), that may be accessed only by Swissxer “account owners” and other authorized users (collectively, “Authorized Users”). These Terms of Use apply to both the public areas of this Site and the password-protected areas of this Site.

PLEASE REVIEW THESE TERMS OF USE CAREFULLY. BY ACCESSING OR USING THIS SITE, YOU ARE AGREEING TO COMPLY WITH AND BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, YOU MAY NOT USE THIS SITE.

As we add new features and functionality to this Site, we may need to update or revise these Terms of Use. We therefore reserve the right to update or revise these Terms of Use, at any time and without prior notice, by posting the revised version on this Site. These changes will be effective as of the date we post the revised version on this Site. Your use of this Site following any such change constitutes Your consent to the terms of the revised Terms of Use. For this reason, it is important to review these Terms of Use regularly.

If we modify these Terms of Use, we will provide a notice at the top of this page for at least 30 days after the new effective date. In addition, we will post a notice on the Account Summary page of the Service for at least 30 days after the new effective date to alert Authorized Users of the Service.

You may access the current version of these Terms of Use at any time by clicking on the link marked “Terms of Use” at the bottom of each page of this Site. For Your convenience, we will post the effective date of the Terms of Use next to the link, so that You can see at a glance whether our Terms of Use have changed since Your last visit.

When You register to use the Service or any other password-protected area of this Site, You will be asked to agree (by checking a box or clicking on a button) to special terms governing Your use of the password-protected area. This type of agreement is referred to as a “click-through agreement.”  If any of the terms of the click-through agreement are different than the terms of these Terms of Use, the terms of the click-through agreement will supplement or amend these Terms of Use, but only with respect to the matters governed by the click-through agreement.

We welcome your comments, feedback, suggestions, and other communications regarding this Site and the information and services we make available through this Site (collectively, “Feedback”). The Feedback You provide to us through this Site will be and remain our exclusive property. Your submission of Feedback will constitute an assignment to us of all worldwide rights, title and interests in Your Feedback, including all copyrights and other intellectual property rights in Your Feedback. We will be entitled to reduce to practice, exploit, make, use, copy, disclose, display or perform publicly, distribute, improve and modify any Feedback You submit for any purpose whatsoever, without restriction and without compensating You in any way. For this reason, we ask that You not send us any Feedback that You do not wish to assign to us.

Our Online Privacy Policy describes how we protect Your privacy when You use this Site. To review our Online Privacy Policy. Our Online Privacy Policy is part of and is hereby incorporated into these Terms of Use.

Except as expressly set forth in the Terms and Conditions governing Authorized Users’ use of the Service, all rights, title and interests in this Site, including all of the software and code that comprise and operate this Site, and all of the text, photographs, images, illustrations, graphics, audio, video and audio-video clips, and other materials provided through this Site (collectively, “Content”) are owned by Swissxer or by third parties who have licensed or provided their Content to us. This Site is protected under trademark, service mark, trade dress, copyright, patent, trade secret and other intellectual property laws. In addition, the entire Content of this Site is a collective workunder U.S. and international copyright laws and treaties, and Swissxer owns the copyright in the selection, coordination, arrangement and enhancement of the Content of this Site.

We hereby grant You a limited, revocable license to download and print copies of any portion of the Content on this Site to which You have properly gained access, but only for Your internal business use or for Your own personal, non-commercial use, and only if You do not remove, modify or obscure any copyright, trademark, or other proprietary notices from the Content You download. The foregoing license is subject to these Terms of Use and does not include the right to use any data mining, robots or similar data gathering or extraction methods. This license is revocable at any time without notice and with or without cause. You may not and You may not permit others to copy, distribute, perform or display publicly, prepare derivative works based on, broadcast, exploit or use any part of the Content on this Site except as expressly provided in these Terms of Use without our prior written permission. Nothing in these Terms of Use shall be construed as transferring any right, title or interest in this Site or its Content to You or anyone else, except the limited license to use this Site and its Content on the terms expressly set forth herein.

Some of the information, articles and other materials available through this Site are provided to Swissxer by third parties. Wherever practical, in our opinion, the source of these third-party materials is identified. These third-party materials are provided for Your interest and convenience only. Swissxer does not endorse these materials or the vendors who supply them to us, nor does Swissxer warrant or represent that these materials are current, accurate, complete or reliable.

The trademarks and service marks used or displayed on this Site ("Trademarks") are registered and unregistered trademarks of members of Swissxer, its affiliates, or third parties. You may not use any Trademarks displayed on this Site without the prior express written permission of Swissxer or the trademark owner.