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All products and services mentioned in pages of this website are subject to the terms and conditions of applicable agreements governing their use, which may change from time to time. It is important to note that the products and services mentioned on this website may not be available to residents of certain jurisdictions (in particular, the United States, Canada, Japan, Australia). Accordingly, the financial services described in this website do not constitute an offer to transact business in any jurisdiction where such an offer would be considered unlawful. The information provided on this website does not constitute an offer or solicitation to buy or sell any banking service, security, investment fund, investment advice or other product or service to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. If you choose to access this website, you do so at your own initiative and risk and are responsible for compliance with applicable laws, rules and regulations that may apply to you. Services which may be accessed through SEB Group’s Internet Banking Service are intended to be provided to persons or entities resident or located outside the jurisdiction of the SEB Group member providing the relevant service only if and to the extent permissible under applicable laws, rules and regulations. In particular, the limited services which SEB makes available to persons in certain jurisdictions (in particular, the United States, Canada, Japan) are not intended to be generally available to persons located or resident in those jurisdictions and are restricted by applicable securities, banking and insurance laws of such jurisdictions.