Terms of Use  

This site is for information purposes only and all information and data contained on this site do not constitute and can never be construed as constituting an offer to buy or sell or a solicitation or invitation to use the services and activities (banking and/or incidental) provided by Intesa Sanpaolo S.p.A. or any other company of the Intesa Sanpaolo Group.

Without prejudice to the foregoing, certain messages, communications or information present on this site may represent advertising messages or marketing communications, studies or analyses, where this is expressly indicated in those messages, communications or information.

Intesa Sanpaolo S.p.A. or any other company of the Intesa Sanpaolo Group may, as part of its current research activities, studies and analyses related to the provision of its activities, publish sectoral studies and/or studies in relation to economic trends and/or national and international markets, regardless of whether such research, studies and analyses are produced by Intesa Sanpaolo S.p.A. or by other companies of the Intesa Sanpaolo Group.

Access, consultation or use of this site and its content will not entail any obligation for Intesa Sanpaolo S.p.A. regarding access to the site and/or the supply of information or any similar contractual obligation. Intesa Sanpaolo S.p.A. assumes no responsibility and gives no warranty that the site will be constantly updated or that access will never be suspended or error-free. Intesa Sanpaolo S.p.A. reserves the right, at its sole discretion and at any time, to suspend the publishing and/or updating of the site, both in whole and in part, as well as access to the site, both generally and for one or more users or categories or users only, without any duty or obligation of prior notification. Intesa Sanpaolo S.p.A. cannot be held responsible for any such stoppage or suspension of the publishing or updating of this site.

This site may contain advice, information or opinions provided by third parties or hyperlinks to other sites that contain such advice, information or opinions. Intesa Sanpaolo S.p.A. has not reviewed, checked or updated the content of such third party sites and does not intend to do so, does not in any way sponsor such third party sites or their content or their owners or suppliers, offers no assurance or guarantee with respect to the availability of such third party sites, the privacy procedures of those sites, their content and their updating and is not responsible for nor offers any guarantee with respect to the reliability, accuracy, completeness, updating or adequacy of that content and of the advice, information and opinions contained on those sites and, therefore, third parties who rely upon the latter do so at their own full and exclusive risk, insomuch as no liability with respect to the latter can ever be ascribed to Intesa Sanpaolo S.p.A.. Intesa Sanpaolo S.p.A. also recommends that users read and examine the specific terms and conditions governing access to and use of those third party sites.

The copyright and any intellectual property right over the data, information, opinions and evaluations contained on this site belongs exclusively to and remains the intellectual property of Intesa Sanpaolo S.p.A., unless otherwise indicated. All trademarks and logs used on this site are registered trademarks of Intesa Sanpaolo S.p.A. and/or of other companies of the Intesa Sanpaolo Group, unless otherwise indicated, and cannot be used on any other website or on other media. Where the intellectual or industrial property rights over the data, information, opinions, evaluations, trademarks and logos contained on this site refer to third parties other than Intesa Sanpaolo S.p.A., such data, information, opinions, evaluations, trademarks and logos are used by Intesa Sanpaolo S.p.A. on this site subject to the granting of a licence or otherwise with good title.

All data, information, opinions and evaluations contained on this site are for personal use only and for information purposes and, without prejudice to the distribution restrictions and prohibitions set out below, cannot be further distributed in any way or reproduced in any form and by any technique, in full or in part, except with an express indication of the source and full reproduction of this legal note and of the further specific warnings indicated in the respective sections or webpages on which such data, information, opinions and evaluations are contained. Where, additionally, the intellectual or industrial property rights over the data, information, opinions, evaluations, trademarks and logos contained on this site refer to third parties other than Intesa Sanpaolo S.p.A., such data, information, opinions, evaluations, trademarks and logos cannot be further distributed in any way or reproduced in any form and by any technique, in full or in part, except with the prior consent of the holders of the respective rights, and any contrary conduct may constitute an infringement of the applicable rules governing copyright, intellectual property and industrial property.

It is in all cases expressly prohibited to copy, transfer, transcribe, distribute or reproduce the information contained on this site by means of a link to this site without the prior agreement of Intesa Sanpaolo S.p.A..

Access to and use of this site is at the full and entire risk of the user and Intesa Sanpaolo S.p.A. offers no express or implied guarantee or guarantees that access to the site or the use thereof or of any material downloaded from the latter will not cause damage to any property by virtue of the risks associated with internet browsing including, by way of example, loss of data, computer infection by viruses, spyware, harmful software, trojans and worms.

In order to guarantee the security of its system, to protect staff and to prevent frauds and other offences, Intesa Sanpaolo S.p.A. reserves the right to monitor Internet communication, including traffic and email, within or outside of its domain. The above checks may, by way of example, relate to viruses and other harmful codes, illegal activities and any form of unauthorised use or content.

"Cookies" are information recorded by websites on users' computers for use at a later date. Cookies are commonly used on the Internet and are not harmful to computers. The cookies on this site are used for authentication and authorisation purposes. Cookies are also used to record access configuration and user preferences. If you wish to stop cookies when you visit the site, you can configure your browser not to accept cookies or to reject them. For further information, consult your browser guide. The use of cookies is however essential for using and accessing this site, the functionality of which might be harmed if they are not accepted or they are rejected.

As regards any matter not already excluded above, neither Intesa Sanpaolo S.p.A.nor any of its directors, managers, officers, executives or employees assumes any kind of liability (for fault or otherwise) for any kind of damage arising from access or lack of access to this site or from the use of its content or otherwise arising from, or in connection with, this site and its content and, therefore, no liability in relation to the foregoing can be ascribed to them.

Access to and use of this site or certain sections or pages may, at the sole discretion of Intesa Sanpaolo S.p.A., be conditional upon the prior issuing of software security keys (passwords) and upon the prior signing of a contractual agreement governing access to this site. In those situations, without prejudice to the content of this legal note, access to and use of this site will also be subject to the respective contractual stipulations set out in the access contract.

Intesa Sanpaolo S.p.A. reserves the right to amend this legal note at any time and without prior notice.