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Disclaimer

1) Regulation

You are accessing the website www.cambiavalute.ch, operated by the company ELP SA, based in Chiasso, Switzerland. ELP SA is an authorized financial intermediary in Switzerland. All financial intermediaries based in Switzerland must affiliate with a self-regulatory organization or obtain authorization from the regulatory authority to conduct their activities. ELP SA is affiliated with the self-regulatory organization PolyReg. PolyReg is a recognized association by the Swiss Confederation as a self-regulatory organization (SRO) under Article 24 of the Anti-Money Laundering Act (AMLA). The association fulfills legal supervisory and control tasks towards its affiliates based on its own regulations and is subject to supervision by the Swiss Financial Market Supervisory Authority (FINMA). Additionally, ELP SA, through a member of its management, holds the financial fiduciary license according to the Law on the Exercise of Fiduciary Professions (LFid). The company also holds a professional liability insurance policy covering potential financial damages up to one million Swiss Francs.

2) Local Legal Restrictions

ELP SA has no offices or representations abroad. ELP SA does not engage in commercial or marketing activities outside the territory of Switzerland and has no active representatives, agents, or sellers abroad. Access to the website is subject to reading, understanding, and accepting the disclaimer present on the site. Access to the information contained on this website may be limited by legal or regulatory restrictions applicable to the user. The website of ELP SA is not directed at individuals located in jurisdictions where, due to their nationality, residence, or any other reason, the publication and/or availability of the website www.cambiavalute.ch would be prohibited, including, but not limited to, the USA, the United Kingdom, Canada, and Japan.

3) Absence of Offer and/or Solicitation

The information contained on this website does not constitute a solicitation, an offer, or a recommendation to buy, sell, exchange, or dispose of any investment or financial instrument. ELP SA does not provide personalized recommendations to individual clients as we are unable to know their risk tolerance, knowledge, and characteristics, as well as their actual investment and/or exchange needs.

4) Usage Restrictions

Access to the information contained on this website may be limited by legal or regulatory restrictions applicable to the user. Individuals subject to such restrictions should not access the ELP SA website.

5) Links to Access Other Sites

This website may provide links to access other sites. The use of such links to access pages outside of this site is at your own risk. Therefore, ELP SA assumes no responsibility for the content, products, services, or any other offerings present on such sites.

6) Limitation of Liability

Exchange rate fluctuations can cause financial losses. Under no circumstances will ELP SA be liable for any loss or damage of any kind, including direct, indirect, special, consequential damages arising from the use of the currency exchange service. Before making any exchange and/or investment decisions, it is recommended to obtain specific professional advice from your trusted financial advisor.

7) Anti-Money Laundering Communications

The financial intermediary who knows or has a reasonable suspicion that the assets subject to a business relationship are related to an offense under Article 305bis of the Swiss Criminal Code (CPS), originate from a crime, or are subject to the control of a criminal organization (Article 260ter, paragraph 1, CPS), or are used to finance terrorism (Article 260quinquies, paragraph 1, CPS), must freeze the assets (Article 10 of the Anti-Money Laundering Act, AMLA) and report without delay to the Money Laundering Reporting Office (Article 9 AMLA). No personal liability of the intermediary arises from acts performed or omitted in such cases and circumstances.

8) Applicable Law and Jurisdiction

The contract and these statements are exclusively subject to Swiss law. The place of performance, the place of execution for all clients, including those residing abroad, and the exclusive jurisdiction for all disputes arising from this contract and related statements is Lugano, Switzerland.

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