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Limitation of Liability & Risk Disclosure

Professional Investment Consultants (Europe) S.A. (PIC (Europe) S.A.) is a firm of Independent Financial Advisers and is authorised and regulated by the Commissariat Aux Assurance (CAA) Luxembourg and bound by their rules. The CAA firm registration number of PIC (Europe) S.A. is 1999CM009 and this can be viewed on the CAA’s firm register at . We are authorised & regulated to conduct business under the remit of the Insurance Mediation Directive (IMD) in all EU member states.

In some instances, where a service falls outside of our primary regulator remit, we will, with your agreement, refer you to other specialist organisations who are able to provide additional services that you may require. The third party will full details to you of the services that they provide & the costs involved should you decide to use them. Before transacting any business with a third party you should satisfy yourself that you have received all the information that you require to make an informed decision in respect of engaging their services.

Whilst PIC (Europe) S.A. may undertake various background checks on third party service provider’s property companies, financial institutions that it introduces to you, it is your responsibility to instruct your own specialist financial & legal advisors to undertake due diligence and provide adequate and satisfactory advice to you before proceeding with any transaction.

None of the information, whether in part or full, should be copied, reproduced or redistributed in any form nor should it be regarded as an offer or a solicitation of an offer for investment. You should satisfy yourself, with your advisor(s), that the products and services offered are suitable for you and that you are not prevented from accessing such services or products by restrictions placed on you by the relevant fiscal authorities in your normal place of residence nor that it is unlawful for you to participate in such products or services as may be stipulated within the laws of the country, state or jurisdiction where you may either be a citizen or normally reside.

Understanding of Risk

You should bear in mind that the value & prices of investments can go down as well as up, and you may not get back the full amount invested. Past performance is no guarantee of future performance. Currency fluctuations will affect the value of investments. Emerging Markets can be riskier than developed markets. Current tax levels and reliefs may vary and will depend on your personal circumstances. There could be a risk of losing some or all of the capital investment; you may not get all of your capital back.

You should be aware that investment in property may involve risks and the value of the property and associated rental yields may go down as well as up. The property market is volatile and property prices may fluctuate widely. Whilst PIC (Europe) S.A. may undertake various background checks on property companies or financial institutions that it introduces to the Client, it is the responsibility of the Client to instruct their own financial advisers and solicitors to undertake due diligence and provide adequate and satisfactory advice to you before proceeding with any property related transaction.