Terms and Conditions


These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.

You must be at least 18 years of age to use this website. By using this website and by agreeing to these terms and conditions you warrant and represent that you are at least 18 years of age.

License to use website

Unless otherwise stated, Vision Bancorp and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website; or
  • redistribute material from this website [except for content specifically and expressly made available for redistribution.

Where content is specifically made available for redistribution, it may only be redistributed within your organisation.

Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Vision Bancorp’s express written consent.

You must not use this website to transmit or send unsolicited commercial communications.

You must not use this website for any purposes related to marketing without Vision Bancorp’s express written consent.

Restricted access

Access to certain areas of this website is restricted. Vision Bancorp reserves the right to restrict access to other areas of this website, or indeed this entire website, at Vision Bancorp’s discretion.

If Vision Bancorp provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.

Vision Bancorp may disable your user ID and password in Vision Bancorp’ssole discretion without notice or explanation.

Investment Disclaimer

Vision Bancorp is not a securities dealer and does not solicit visitors to buy or sell securities of any kind. All articles and related documents on our website are never considered to be a solicitation for any purpose, in any form or content. Upon reading the articles and information on this website, you hereby acknowledge this warning and Disclaimer. All information provided is for informational purposes only, and shall not be relied upon as personal financial advice. Any references to hedging and investment strategies on our website are only to assist in learning, which you should never rely upon when making future investment decisions.

All forms of investing involve a substantial risk of loss and may not be suitable for all investors. All investors must evaluate the opportunities they are interested in, and shall not rely upon the information on our website, or any of our affiliates’ websites. Any references to a specific company or investment strategy must be assessed by the reader, and therefore, there is no liability incurred by Vision Bancorp for any event occurring as a result of these opinions or references.

Past performance is useful in understanding historical trends, but is not necessarily indicative of future results. The information on this website is based on information taken from industry and statistical services and other sources which Vision Bancorp believes to be reliable. We do not guarantee that such information is accurate or complete, and it should not be relied upon as such. The information on our website reflects our judgment at a specific time and is subject to change without notice. There is no guarantee that any information provided on this website will result in profitable investment decisions. All investment decisions should be made by the account holder, and shall not be based upon information derived from this website.

All material and articles on this website are for informational purposes only. All material is provided with the highest integrity and has been thoroughly researched, but Vision Bancorp makes no guarantee as to the accuracy, timeliness or changing nature of this information. In addition, as with all information on this website, Vision Bancorp and its employees shall not be liable for any actions resulting from the reading, application, communication, or redistribution of any material provided on this website.

Vision Bancorp is not to be considered a licensed tax advisor or securities dealer and shall not be relied upon for tax or securities investment advice. Tax regulations vary between jurisdictions, and each reader is subject to tax and reporting laws in their country of residence. Every reader must acknowledge and obey their local tax laws, and shall not consider information from this website when making tax related decisions. All information related to taxes shall not be relied upon in any way, as Vision Bancorp makes no warranties or claims to the accuracy of this material.

No warranties

This website is provided “as is” without any representations or warranties, express or implied. Vision Bancorp makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, Vision Bancorp does not warrant that:

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

Limitations of liability

Vision Bancorp will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Vision Bancorp has been expressly advised of the potential loss.


Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Vision Bancorp’s liability in respect of any:

  • death or personal injury caused by Vision Bancorp’s negligence;
  • fraud or fraudulent misrepresentation on the part of Vision Bancorp; or
  • matter which it would be illegal or unlawful for Vision Bancorp to exclude or limit, or to attempt or purport to exclude or limit, its liability.


By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

Other parties

You accept that, as a limited liability entity, Vision Bancorp has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Vision Bancorp’s officers or employees in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Vision Bancorp’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as Vision Bancorp.

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.


You hereby indemnify Vision Bancorp and undertake to keep Vision Bancorp indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Vision Bancorp to a third party in settlement of a claim or dispute on the advice of Vision Bancorp’s legal advisers) incurred or suffered by Vision Bancorp arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

Breaches of these terms and conditions

Without prejudice to Vision Bancorp’s other rights under these terms and conditions, if you breach these terms and conditions in any way, Vision Bancorp may take such action as Vision Bancorp deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.


Vision Bancorp may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.


Vision Bancorp may transfer, sub-contract or otherwise deal with Vision Bancorp’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise bargain with your rights and/or obligations under these terms and conditions.


If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

Entire agreement

These terms and conditions constitute the entire agreement between you and Vision Bancorp in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

Law and jurisdiction

These terms and conditions will be governed by and construed in accordance with the laws of Switzerland, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of Switzerland.

Vision Bancorp’s details

You can contact Vision Bancorp here.