LHV Website Terms of Use

  1. General information

    1. The LHV website terms of use (hereinafter User Terms) apply to this website and its subpages (hereinafter Website) which belong to AS LHV Pank (hereinafter LHV).
    2. By accessing and using the Website, the user represents and warrants that he/she has examined the User Terms, understood them and fully accepted them. In the event of conflict between the User Terms and the terms and conditions of specific products and services, the latter shall prevail.
  2. Information available on the Website

    1. Although LHV has done all that is reasonable in order to ensure that the information (incl. the prices of securities and information concerning the transactions statistics) displayed in the Website is accurate and exhaustive, LHV does not guarantee the correctness of the information, nor shall LHV assume responsibility for the consequences of use of that information.
    2. Securities market surveys, comments, opinions and forecasts regarding the prices of securities and general trends on securities markets reflect the subjective vision of the specialists of LHV. LHV shall not assume responsibility for the mentioned surveys, comments, opinions and forecasts nor for possible damages arising from the use of them. The surveys, comments, opinions and forecasts shall not deemed to be investment recommendations, unless expressly indicated otherwise.
    3. By using the Website the user confirms that he/she shall not make his/her investment decisions based only on the surveys, comments, opinions and forecasts displayed in the Website.
    4. The Website is not addressed to persons who are prohibited under applicable laws or regulations of their citizenship, domicile or residence from having access to the Website. Persons who are prohibited from using the information on this Website or who are in doubt whether they are permitted to use the information or not, are kindly requested to leave the website.
  3. Restrictions for US persons

    1. The material in the Web page is not directed at and is not intended for United States citizens, residents or any other persons present in the United States of America and/or individuals, who are "US persons", as defined in Regulation S under the Securities Act of 1933. The information contained on this Website is not an offer to provide, or a solicitation of any offer to buy or sell products or services in the United States of America. No United States citizens, residents or residents of other countries who are temporarily present in the United States may purchase any products or services of LHV or AS LHV Varahaldus, and neither LHV nor AS LHV Varahaldus will accept an application or order from any such person to purchase products or services.
    2. Without prior written consent of the LHV, it is not permitted to send any securities market surveys, comments, opinions, forecasts or other information published on this Website to United States citizens, residents or any other persons present in the United States of America and/or individuals, who are "US persons", as defined in Regulation S under the Securities Act of 1933.
    3. United States citizens, residents or any other persons present in the United States of America and/or individuals, who are "US persons", as defined in Regulation S under the Securities Act of 1933, are not permitted to access and use this Website.
  4. Limitation of liability

    1. The contents of this Website are provided on an "as is" basis. LHV does not make any warranties about the Website or its contents. LHV shall not be liable for any damages arising from the use of the Website even if LHV was aware of an error on the Website.
  5. Copyright

    1. The information made available on the Website, including the design and software, is the property of LHV unless provided otherwise, and it can be used only for personal purposes.
    2. The reproduction, publication or transfer to third parties by other means of the surveys, comments, opinions, forecasts or other information available on the Website is forbidden without LHV’s prior written consent.
    3. Participants in discussion forums, chat rooms and comment sections of the Website must submit only such materials to which they hold the copyright or which they are allowed to submit based on some other right. A participant who submits materials is deemed, as and when the materials are submitted, to consent to LHV’s storing, disseminating and publishing of the materials, electronically or otherwise.
  6. Copyright

    1. The links to third party websites available on the Website are not an endorsement by LHV of any products or services provided on such websites. The use of such links is entirely at the users own risk and LHV accepts no responsibility or liability for the content, availability or use of such websites. LHV has not verified the truth, accuracy, reasonability, reliability or completeness of any content of such websites.
  7. Cookies

    1. The Website contains cookies. A cookie is a small text file which is stored on the hard disk of the user by the Website.
    2. There are two types of cookies. The first type stores information on the user’s hard disk for a certain period of time. These are used to inform the user of the changes that have occurred on the Website since the last visit. The other type of cookies, socalled session cookies, are stored only temporarily for the time the user accesses the site.
    3. LHV uses cookies to improve the quality of the statistical data collected about the users and to enhance the functionality of the Website.
    4. In order to use the Website, the user has to accept the use of session cookies. Session cookies enable the user to carry out banking transactions without complications and will disappear when the user leaves the Website.
    5. If the user wishes not to accept cookies, the security settings of the browser can be changed. However, it should be noted that in case the user does not accept session cookies, carrying out banking transactions through the Website will not be possible.
  8. Applicable law and jurisdiction

    1. This Website and the User Terms shall be governed by the laws of the Republic of Estonia. All disputes arising out of or in connection with the use of the Website and User Terms shall be resolved by the courts of Estonia.