Principal legal provisions
Raiffeisen Privatbank Liechtenstein AG is subject to Liechtenstein’s legal provisions governing financial institutions, and in particular to the Banking Act (Bankengesetz - BankG), The Market Abuse Act (Marktmißbrauchsgesetz - MG), the Asset Management Act (Vermögensverwaltungsgesetz - VVG), the Remittance Execution Act (Gesetz über die Ausführung von Überweisungen), the Duty of Care Act (Sorgfaltspflichtgesetz - SPG), the Financial Market Supervision Act (Finanzmarktaufsichtsgesetz - FMAG) and the E-Commerce Act (E-Commerce-Gesetz - ECG).
Details required under the Liechtenstein Media Act (Mediengesetz)
Website publisher and media owner
Raiffeisen Privatbank Liechtenstein AG
Mag. Arzu Tschütscher-Alanyurt
Dr. Georg Stöckl
Alex Po Ming Ko
Dipl.-Volkswirt Florian Widmer, MBA
John Sian-Zu Lin
Eric Lu Cao
Philip Cheuk Hang Lau
Basic Content and purpose of the website
- Presentation of Raiffeisen Privatbank Liechtenstein AG and its parent companies
- Information and associated links on the products, applications and services offered by Raiffeisen Privatbank Liechtenstein AG and its parent companies
- Information on the subjects economics, currency and capital markets, investments and provisions
The company object is to conduct banking transactions of all kinds (Article 1 BankG), as well as associated transactions.
- Public Register FL-0001.548.573-9
- Head Office: 9490 Vaduz
- SWIFT ¦ BIC-Code: RAIBLI22
- BC-Nr: 8813
- Supervisory authority: FMA Finanzmarktaufsicht Liechtenstein ¦ Landstrasse 109 ¦ Postfach 279 ¦ FL-9490 Vaduz ¦ www.fma-li.li
- Member of the following chambers of commerce, associations and other institutions:
Liechtensteiner Bankenverband (Liechtenstein Bankers Association)
Liechtensteiner Einlagensicherungsfonds (Liechtenstein Deposit Guarantee Fund)
- FATCA GIIN: NM9FQ5.99999.SL.438
- LEI: 529900LPOMNO5PKFJZ64
- MwSt-Nr.: 53 896
General Terms and Conditions of Business
Users who avail themselves of the services offered on the Raiffeisen Privatbank Liechtenstein AG website are also subject to the provisions of the following General Terms and Conditions of Business of Raiffeisen Privatbank Liechtenstein AG, in the version prevailing at any given time.
Participant in the deposit guarantee and investor compensation scheme
Raiffeisen Privatbank Liechtenstein is an associated participant in the deposit guarantee and investor compensation scheme, which is operated by the Deposit Guarantee and Investor Compensation Foundation PCC (FL-0002.039.614-1) and corresponds with EU law. Further information is available on the Foundation's website under www.eas-liechtenstein.li.
By accessing and/or using the information, services, links, functions, applications or programs (hereinafter referred to collectively as the «content») of this website, users are also subjecting themselves to the following conditions:
The content of this website and its subsites is copyright protected. Downloading or saving the applications or programs contained on the website and also the reproduction, transmission, modification or linking of the website content either wholly or in part is only permitted with the express written consent of Raiffeisen Privatbank Liechtenstein AG. However, the printing out, downloading or saving of individual pages or subsections of this website is permitted, though only in accordance with the provisions of Liechtenstein copyright law and also provided any copyright notices or other legally-protected designations are neither removed nor altered.
Neither offers nor investment recommendations
The content of the Raiffeisen Privatbank Liechtenstein AG website is purely for information purposes and does not represent an offer or a recommendation to buy or sell under either Liechtenstein or foreign capital market law. No actual investment should be made until after discussing the matter during a meeting with one of our advisers.
Information content, up-to-dateness
Raiffeisen Privatbank Liechtenstein AG takes every possible care when researching the information published on our website, as well as in the selection of the sources of information used. However, Raiffeisen Privatbank Liechtenstein AG cannot accept any liability for the accuracy, completeness, up-to-dateness or continuous availability of the information provided or the information sources used.
All information published on the website, and in particular market, market price and company analyses and forecasts, are based on our state of knowledge and/or market assessment at the time when the information in question is provided. When preparing company analyses some of the information may come from sources within the company itself. We hereby expressly disclaim any liability for the accuracy, completeness or up-to-dateness of the information offered or for whether the published forecasts do or do not occur.
Certain financial data, such as stock market prices, may in some cases not be published until a set period prescribed by the respective information provider (as a rule c. 15 minutes) has elapsed. Please note that the times given are often Greenwich Mean Time (GMT).
Restricted access due to local regulations
The regulations prevailing in some countries, as well as the requirements laid down by capital market or stock exchange supervisory authorities, provide that some of the information published on the website, such as share analyses, cannot be made available to private individuals. To ensure compliance with any such local access restrictions, Raiffeisen Privatbank Liechtenstein AG reserves the right to take such technical measures as it deems necessary in relation to website information subject to such restrictions. Passing on information which is subject to a country’s local access restrictions may under certain circumstances represent a breach of the securities regulations or other legislation of the country in question.
Links with websites or URLs of other operators
With the exception of the cases governed by Article 17 paragraph 2 of Liechtenstein’s E-Commerce Act, Raiffeisen Privatbank Liechtenstein AG accepts no liability for the content of other operators’ websites or URLs linked to our website. Raiffeisen Privatbank Liechtenstein AG also disclaims liability for the continuous availability or full functionality of links to the websites or URLs of other operators.
Under no circumstances is Raiffeisen Privatbank Liechtenstein AG liable for loss or damage of any kind (including consequential or indirect loss or damage or lost profits) arising from or in connection with accessing the website, with calling up, using or querying its content or with the links in the website to the websites or URLs of other operators. This also applies if Raiffeisen Privatbank Liechtenstein AG has been notified of the possibility of any such loss or damage.
Raiffeisen Privatbank Liechtenstein AG further disclaims liability for technical malfunctions such as server breakdowns, the malfunctioning or breakdown of telecommunication links or similar, leading to the (temporary) non-availability of the website as a whole or parts thereof or to the (temporary) non-availability or degradation of data.
Storage of registration details
Certain sections of the Raiffeisen Privatbank Liechtenstein AG website are only available to registered users. By sending their filled-in online registration forms users confirm that the details they have given are complete and correct and that they have answered the questions asked in the form truthfully. By sending their filled-in online forms users are also expressly declaring their consent to their registration data being processed, partly by automated means, by Raiffeisen Privatbank Liechtenstein AG and also being distributed internally within the bank and if necessary further processed, transmitted and used.
Changes to the Raiffeisen Privatbank Liechtenstein AG website
Raiffeisen Privatbank Liechtenstein AG reserves the right, if necessary without any prior notification, to change the website, i.e., to change or delete existing content either wholly or in part or add new content.
Maintenance of the Raiffeisen Privatbank Liechtenstein AG website
The Raiffeisen Privatbank Liechtenstein AG website is maintenanced by plan.net technology gmbh, Munich. If you have any suggestions, questions or technical problems please contact the Webmaster.
The General Data Protection Regulation (GDPR): On May 25, 2018, the General Data Protection Regulation (GDPR) enters into force. It regulates the use of personal data. Details about the GDPR can be found at https://www.gesetze.li.
Storage of registration data: Certain areas of the Raiffeisen Privatbank Liechtenstein AG website are only accessible to registered users. By submitting the completed online registration form, the user confirms that the data provided by him are complete and correct, or that he has answered the questions asked in the form truthfully. By submitting the online form filled out by the user, he/she expressly agrees that his/her registration data may be processed by Raiffeisen Privatbank Liechtenstein AG in an automated manner and forwarded to the internal bank organization and processed, shared and used there.
Safety: Your safety is our highest priority. Thanks to state-of-the-art technologies, high security standards and first-class computer specialists, our computer systems meet the highest international standards.
The protection of your personal data is very important to us. Therefore we process your data exclusively on the basis of the legal regulations (GDPR, DSG).
Contact with us
If you contact us by means of a form on the website or by e-mail, your data will be processed in order to process the request and for managing any follow-up questions. We collect, process and use personal information on our website to provide you with even better products and services, to further align our business processes with our customers and to ensure efficient access to product information and online banking applications.
Web analytics, targeting and cookies
Our website uses so-called cookies. These are small text files that are stored on your device using the browser. They do no harm, but serve to make it easier for you to use the pages and to make them more individual. Some cookies remain stored on your device until you delete them. They allow us to recognize your browser on your next visit. These include, for example, cookies that are technically necessary for the functioning of our website or offer a service or option requested by you, e.g. a cookie that "remembers" your personal preferences, such as your chosen language or the like.
The use of Google Analytics
This website uses Google Analytics, a web analytics service provided by Google Inc. ("Google"). Google Analytics uses so-called "cookies", text files that are stored on your computer and that allow an analysis of the use of the website by you. The information generated by the cookie about your use of this website is usually transmitted to a Google server in the USA and stored there. However, in the event of activation of IP anonymisation on this website, your IP address will be shortened beforehand by Google within member states of the European Union or in other contracting states of the Agreement on the European Economic Area. Only in exceptional cases will the full IP address be sent to a Google server in the US and shortened there. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, to compile reports on website activity and to provide other services related to website activity and internet usage to the website operator. The IP address provided by your browser as part of Google Analytics will not be merged with other Google data. You can prevent the storage of cookies by a corresponding setting of your browser software; however, please note that if you do this, you may not be able to use all the features of this website to the fullest extent possible. In addition, you may prevent the collection by Google of the data generated by the cookie and related to your use of the website (including your IP address) as well as the processing of this data by Google by using the following link (https://tools.google.com/dlpage/gaoptout?hl=en) to download and install the available browser plugin.
We also use Google Analytics to analyze data from AdWords and the Double-Click Cookie for statistical purposes. If you do not want to do this, you can disable it through the Ads Preferences Manager (https://adssettings.google.com).
Additionally, when visiting some of our sites, targeting service providers may store temporary cookies on your PC's hard drive or in your mobile device, which automatically wipe themselves after a set period of time. These cookies contain a machine-generated alphanumeric identifier that does not allow to identify you or the IP address of your computer. You can prevent the use of the targeting cookies by setting up your browser so that no cookies are stored.
With the help of the aforementioned cookies, usually anonymised data is collected, which enables an analysis of the use of our website.
To share content from our website via social media channels such as Facebook or Twitter, etc., a cookie must be installed on your device. Once the function has been used, responsibility for further data processing lies with the relevant company. For further information, please refer to its guidelines.
Control of cookies
The viewing of our website is also possible under the exclusion of cookies. However, if you do not allow or disable cookies, the functionality of our website may be limited. If you do not want cookies, you can set up your browser to notify you about cookies, and allow the installation only on a case-by-case basis. In addition, you can set your web browser to automatically disable cookies. Please note that most browsers offer different ways to protect your privacy. The instructions for managing cookies on your browser can usually be found under the help function of the browser or in the operating instructions of your smartphone.
Integration of services and contents of third parties as well as use of plugins
You have the opportunity to subscribe to our newsletter via our website. For this we need your e-mail address and your declaration that you agree to receive the newsletter.
In order to be able to inform you in a targeted manner, we also collect and process voluntarily given information on areas of interest, birthday, place of residence etc.
Once you have subscribed to the newsletter, we will send you a confirmation e-mail with a link to confirm the registration.
You can cancel the subscription to the newsletter at any time. Please send your cancellation to the following e-mail address: email@example.com - we will immediately delete your data in connection with the newsletter dispatch.
Please note that when visiting our website the website operator stores the IP data of the subscriber. Under certain circumstances, personal information such as the name and address of the website visitor can also be protocolled (via corresponding input masks).
We collect, use and process personal data necessary for the fulfillment of the contract or in the connection of business initiation or on the basis of your express consent, which can also be explained electronically (e.g. when requesting brochures). Once consent has been given, it may be revoked at any time with effect for the future. Personal information that has been communicated to us through our website will only be stored until the purpose for which it was entrusted to us is fulfilled. In the case of the closure a contract, all data from the contractual relationship are stored until the expiry of the statutory retention periods.
The information collected on this website will be forwarded to the appropriate entity within the bank upon entry by you. The banking secrecy and the confidentiality of the data are preserved. The data will not be disclosed to third parties unless required, for example, to fulfill prospect requests (e.g. shipping brochures by a service provider). Personal data will only be used in accordance with the purpose of the page of our website on which the data was collected. Pages on which we collect personal information are usually labelled with the encryption symbol built into your browser. By using state-of-the-art security software and certified coding and encryption procedures, our IT infrastructure meets international security standards. In addition, our bank has taken additional, extensive security measures and technical and organizational measures to protect its data against loss, unauthorized access or misuse in accordance with the latest state of the art for internet access to accounts and deposits.
Regardless of the measures taken to protect your data, privacy and confidentiality of data processing may be limited while using universally accessible media. When using the Internet as a transmission medium by means of a computer, mobile phone or other end device, it can not be ruled out that third parties gain access to your data and thus draw conclusions about any existing business relationships or that personal data are transferred to third countries without our assistance.
We also point out that the sending of particularly sensitive information and data, in particular personal or account data, should only take place via secure communication channels. The input and / or the transmission of personal or business data within the framework of our website or other digital services takes place - knowing the associated risks - voluntarily and with waiving corresponding security. Any liability for direct or indirect damages arising in connection with the use of our website and the digital services or their content is rejected fully.
In principle, you have the rights to information, correction, deletion, restriction, data portability, revocation and opposition as well as a right to raise complaints towards the data protection authority. For details of your rights and further information in addition to these web-specific privacy notices, please refer to the data protection notice in accordance with the EU General Data Protection Regulation. Details about the GDPR can be found at https://ec.europa.eu/commission/priorities/justice-and-fundamental-rights/data-protection/2018-reform-eu-data-protection-rules_en or https://www.gesetzte.li.
If you believe that the processing of your data violates data protection law or if you want more information about your data protection claims, you can reach us under the following contact data:
Raiffeisen Privatbank Liechtenstein AG
Data Protection Officer
9490 Vaduz, Liechtenstein
Last information update: 23. Mai 2018