By accessing our site, you acknowledge and agree that you have accessed and will access the site at your own initiative and that we are not soliciting any action based upon the material contained on our site. The use of our website implies your agreement with any and all terms on this page (Terms and Conditions), and additionally those contained in our privacy and data protection policy.  

We would ask you to read this important information before proceeding further. It contains legal and regulatory information relevant to the material contained on this website. By continuing to use this website you acknowledge that the information has been brought to your attention.

1. About Raab & Moskowitz – Raab & Moskowitz

www.randbwealth.com (our “site”) is a website operated by Raab & Moskowitz (“we” and/or “us”). We are registered in Switzerland with registration no. CH-170.4.015.551-8, UID: CHE-217.611.963 and have our registered office at Bahnhofstrasse 23, CH-6300 Zug, Switzerland. Our contact email address is service@chelton.ch. We are a registered member and subject to the supervision of the Association Romande des Intermediaires Financiers (ARIF) no.: 3285, a self-regulated organisation recognised by Swiss-regulator FINMA.

2. Your use of our site

These terms of use set out the terms on which you may make use of our site and apply to every page on our site, whether or not such pages are individually disclaimed. Please read these terms of use carefully before you start to use our site. By using our site, you have indicated that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site. You must NOT use our site (or permit or procure others to use it) as follows: (A) for any unlawful, improper or illegal purpose or activity; (B) to communicate or receive information that is obscene, indecent, pornographic, sadistic, cruel, or racist in content, of a sexually explicit or graphic nature, which promotes or incites discrimination, hatred or racism or which might be legally actionable for any reason; (C) in a manner intended to threaten, harass, or intimidate; (D) to violate our or any third party’s copyright, trademark, proprietary or other intellectual property rights; (E) to damage our name or reputation or that of any third parties; (F) to impersonate any of our employees or other person or use a false name while using our site or implying an association with us; (G) to penetrate our security measures or other entities’ systems (“hacking”); (H) to transmit unsolicited voluminous emails (for example, spamming) or to intercept, interfere with or redirect email intended for others using our site; (I) to generate excessive amounts of internet traffic, to interfere with our network or other’s use of our site or to engage in activities designed to or having the effect of degrading or denying service to users of our site or others; (J) to introduce viruses, worms, harmful code and/or Trojan horses onto the internet or into our site or any other entity’s systems and it is your responsibility to ensure that whatever you download or select for your use from our site is free from such items; (K) to post or transmit information that is defamatory, fraudulent or deceptive, including but not limited to scams such as “make-money-fast” schemes or “pyramid/chain” letters; and/or (L) to transmit confidential or proprietary information, except solely at your own risk. When using our site, you must comply with all applicable local, national and international laws and regulations, including those related to data privacy, international communications and exportation of technical or personal data. It may be illegal to download the information contained on our site in certain countries, and we disclaim all responsibility if you download any information from our site in breach of any law or regulation of the country in which you reside. It is your sole responsibility to ensure that whatever you download or select for your use from our site is free from viruses, worms, harmful code and Trojan horses.

3. Reports

By accessing our site you may gain access certain performance reports (the “Reports”). The information contained in the Reports is based on estimated valuations or net asset values calculated by CHELTON and may vary materially from the official valuation or net asset value. You should not rely upon the Reports to make investment decisions or otherwise. The information contained in the reports are provided to you for information purposes only and there shall be no right to request any underlying information, calculations or any other details regarding such information. CHELTON expressly disclaims liability for any inaccurate or incomplete information in the reports and accepts no responsibility or liability for any consequences, financial or otherwise, resulting from any action taken or not taken based on the reports. Any reliance on the information contained in the reports is entirely at your risk.

4. Termination and suspension of access to our site

We reserve the right to deny you access to our site at any time if your use of our site (in our sole discretion) in any manner breaches these terms of use.

5. Important information

The site contains general information about us and is not intended to constitute an offer or solicitation of an investment or service in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. However, the distribution of information contained on our site in certain countries may be restricted by law and persons who access it, are required to inform themselves and to comply with any such restrictions. Persons interested in receiving further information about any investment or service should inform themselves as to: (i) the legal requirements within the countries of their nationality, residence, ordinary residence or domicile; (ii) any foreign exchange control requirement which they might encounter; and (iii) the income tax and other tax consequences which might be relevant.

6. Risk factors

Nothing contained on our site constitutes investment, legal, tax or other advice, nor is it to be relied upon when making investment or other decisions. You should obtain relevant and specific professional advice before making any decision to enter into an investment transaction. To the extent past performance information is available on the site, past performance may not be repeated and should not be seen as a guide to future performance. The value of the investments and the income therefrom may go down as well as up and investors may not get back the original amount invested. Your capital could be at risk. You are not certain to make money from your investments and you may lose money. Exchange rates may cause the value of overseas investments and the income therefrom to rise and fall. The levels and bases of and reliefs from taxation may change. Any tax reliefs referred to are those currently available and their value depends on the circumstances of the individual investor. Investors should consult their own tax adviser in order to understand any applicable tax consequences.

7. Liability for use of our site

The site, including information and materials contained in the site, text, graphics, software, links and other items are provided “as is,” “as available”. We do not warrant the accuracy, adequacy, completeness, timeliness or availability of the site, and expressly disclaim liability for errors or omissions in the site. There is no warranty of merchantability, no warranty of fitness for a particular purpose, no warranty of non-infringement, no warranty of any kind, implied, express or statutory, in conjunction with the website. In no event will we be liable for any damages, including, without limitation, direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with the site or use thereof or the inability by any party to use such site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if we, or representatives thereof, are advised of the possibility of such damages, losses or expenses. As a condition of your use of the site, you agree to indemnify and hold us harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to legal fees) arising from your use of the site, or from your violation of these terms of use. Where our site contains links to other sites and resources (including information) provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and we do not make any representation as to the accuracy or completeness of such sites or resources and have not and will not review or update them. We do not accept any responsibility for sites and resources provided by third parties or for any loss or damage that may arise from your use of them.

8. Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the materials published on it. Those works are protected by laws and treaties around the world. All such rights are reserved. You may use the materials on our site and reproduce them in hard copy for your own reference only. Such materials may not otherwise be reproduced, distributed, stored in a data retrieval system or transmitted, in any form or by any means (electronic, mechanical, photocopying, recording or otherwise) without our prior written consent. Nothing on our site should be construed as granting any license or right in relation to any of our trademarks or those of any third party.

9. Use of cookies

We may obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer, for the purposes of systems administration and statistical analysis. Cookies contain information that is transferred to your computer’s hard drive and help us to improve this site and to deliver a better and more personalized service to you, including by storing information about your preferences and to recognise you when you return to this site. You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of this site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to this site.

10. Your personal data

As a result of your use of this site, we may hold and process personal information about you and may use it to send to you information about us. All personal data held by CHELTON will be treated in accordance with applicable data protection legislation and our current data protection policy..

11. Username and password

If you have been provided with a username and the password, such username and password are intended for personal or internal corporate use only. You accept responsibility for keeping the username and password confidential and you shall take sufficient precaution to ensure that the username and password will not be divulged to anyone. You should change the password if at any time you feel that the confidentiality of this code may be prejudiced.

12. Law and variation

These terms of use are governed by and shall be construed in accordance with Swiss law. Any dispute, controversy or claim arising out of or in connection with the use of our site shall be finally settled by arbitration in accordance with the Swiss rules of International Arbitration of the Swiss Chambers of Commerce in force on the date when the Notice of Arbitration is submitted in accordance with these Rules. The seat of the arbitration shall be in Zug; the arbitral proceedings shall be conducted in German. The Rules for Expedited Arbitrations of the Arbitration Institute of the Swiss Chamber of Commerce shall apply, unless the SCC Institute, taking into account the complexity of the case, the amount in dispute and other circumstances, determines, in its discretion, that the Arbitration Rules of the Arbitration Institute of the Swiss Chamber of Commerce shall apply. In the latter case, the SCC Institute shall also decide whether the arbitral tribunal shall be composed of one or three arbitrators. It is a condition of using our site that you waive any objection to such arbitration on the grounds of venue or that proceedings have been brought in an inconvenient forum, although we retain the right to bring proceedings against you for breach of these terms of use in your country of residence or any other relevant country. We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time, to take notice of any changes we made, as they are binding on you. Each time you use this site, a condition of use is that you comply with these terms.

Important Information: This material is issued by Raab & Moskowitz (“we” and/or “us”). We are registered in Switzerland with company number CH-170.4.015.551-8 UID CHE-217.611.963 and have our office at Bahnhofstrasse 32, CH-6300 Zug, Switzerland. We are a registered member and subject to the supervision of the Association Romande des Intermediaires Financiers (ARIF) no.: 3285, an SRO recognized by Swiss-regulator FINMA. The information contained herein is intended only for the person or entity to which it is directed and may contain confidential and/or privileged material. Any retransmission, dissemination or other unauthorised use of this information by any person or entity is strictly prohibited. If you have received this communication in error, please contact the sender immediately and delete this material in its entirety. This material contains general information about us and is not intended to constitute an offer or solicitation of an investment or service in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. However, the distribution of information contained in this material in certain countries may be restricted by law and persons are required to inform themselves and to comply with any such restrictions. Persons interested in receiving further information about any investment or service should inform themselves as to: (i) the legal requirements within the countries of their nationality, residence, ordinary residence or domicile; (ii) any foreign exchange control requirement which they might encounter; and (iii) the income tax and other tax consequences which might be relevant. Nothing contained herein constitutes investment, legal, tax or other advice, nor is it to be relied upon when making investment or other decisions. You should obtain relevant and specific professional advice before making any decision to enter into an investment transaction. An application for shares in any investment fund to which we provide investment advisory services or any other service should only be made having read fully the relevant prospectus. It is your responsibility to use such prospectus and by making an application you will be deemed to represent that you have read such prospectus and agree to be bound by its contents. The information contained herein is based on sources that we believe to be reliable but no representation or warranty, expressed or implied, is made as to its accuracy, completeness or correctness. To the extent this material contains past performance information, past performance may not be repeated and should not be seen as a guide to future performance. The value of the investments and the income therefrom may go down as well as up and investors may not get back the original amount invested. Your capital could be at risk. You are not certain to make money from your investments and you may lose money. Exchange rates may cause the value of overseas investments and the income therefrom to rise and fall.

By accessing our site, you acknowledge and agree that you have accessed and will access the site at your own initiative and that we are not soliciting any action based upon the material contained on our site.

Kind regards,

Raab & Moskowitz / Raab & Moskowitz