1. Website Content

The author and contributors strive to provide high quality information. However, the author does not guarantee the accuracy, precision, timeliness, reliability or completeness of the content of the information. Any liability claim against the author for material or immaterial damage resulting from access to published information or from its use or non-use, from the misuse of the connection or from technical disturbances is fundamentally excluded, to provided that no negligent intentional or arbitrary verifiable fault exists on the author’s pages. All offers are subject to change without notice. The author expressly reserves the right to modify, supplement, delete parts of pages or the entire offer, or to suspend publication temporarily or permanently.

2. References and links

With direct or indirect references to third-party sites (hypertext links), which do not fall within the scope of the author’s responsibility, there would be a liability only if the author has knowledge of the content and that it was technically possible and reasonable to prohibit the use of any illegal content. The author expressly declares that at the time of establishing the link, no illegal content on the linked pages were known. The author has no influence on the current or future design, content or authorship of the linked pages. Therefore, the author expressly distances himself from all contents of the linked pages which have been modified after the establishment of the link. The author is not required to periodically review changes to linked pages, which could create new obligations. However, if the author determine or receive information that new content of specific links could trigger liability, the author will immediately remove the reference from this offer, to the extent that this is technically possible and reasonable. This applies to all links and references, as well as, third party entries in guest books, forums and mailing lists, placed by the author on the original site. For damages arising from the use or non-use of such information, the provider of the site referred to is solely responsible, and not, however, the author who does not link to the respective information.

3. Copyright

Copyright and all other rights relating to content, images, photos or other files appearing on the website are the exclusive property of Business & Investments Group Inc., (BIG) or holders of the specially mentioned rights. Reproduction of any material is subject to the prior written consent of the copyright holders. 4. Legal effectiveness of this disclaimer Any referral and link to third party websites is beyond our responsibility. We are not responsible for such websites. Access to and use of such websites is at the user’s own risk.

4. Privacy Policy

BUSINESS & Investments Group Inc., (BIG) attaches great importance to the protection of personal data and the maintenance of privacy. The following information describes how the OIG collects and uses personal data on its website. As we further develop our website, implement new technologies and improve the services we offer, it may be necessary to change our privacy policy. We therefore recommend that you review this policy from time to time. Data collection, processing, use and possible disclosure of personal data to third parties We are not in the habit of asking you to provide personal data when you access the BIG website. The following data is saved in a log file and only used to optimize our internet service and for statistical purposes.

The name of the requested file The date and time of the request The volume of data transferred A report indicating whether the request was a success The data presented in the e-mail surveys are only used to respond to the request and are recorded after treatment of the terminal for a maximum period of two years. If you order informational material, newsletters or brochures, we will ask you to provide us with your name and other personal details needed to send the item (s). These data will only be used by the Bank and by the company responsible for distributing the equipment. Special conditions which apply to certain areas can be found in the relevant regulations (for example, terms of use of the Newsletter from BIG). We do not disclose your data to third parties without your consent unless this is required by law, due to a court decision or in the context of legal or criminal proceedings following an attack on the Internet infrastructure by BIG. The data is not communicated for other commercial and non-commercial purposes. In cases where BIG appoints third parties, as described in this privacy policy, they must also agree to abide by the confidentiality provisions of the Data Protection Act.

5. Cookies

The BIG website has been designed without the use of cookies as much as possible. Cookies are small text files that are stored in the locale cache of the visitor’s browser. Cookies can be used to recognize a visitor’s browser. You do not need to activate « Accept cookies » in your browser in the following cases. Most browsers have been set up to automatically accept cookies. However, you can deactivate the cookie saving function at any time or change your browser settings so that cookies are kept only during the time that you are connected to the Internet. To accept cookies, follow the procedure described below. Internet Explorer: Tools / Internet Options / Privacy, under « Settings » move the cursor down to accept all cookies Mozilla Firefox: Tools / Internet Options / Privacy / Accept Opera cookies: Tools / Preferences / Advanced / Accept cookies 6 Protection of minors Persons under the age of 18 should not transmit personal data to us without the consent of their parents or legal guardians.

We do not ask for personal data from children or people under the age of 18. We do not knowingly collect this data or disclose it to third parties. Links to external sites Our site contains links to external sites which are not covered by our privacy policy. We cannot control whether these sites comply with data protection regulations.

6. Disclaimer

Here we expressly refer to the relevant terms set out in our Privacy Policy which is included in the Legal Notice page. If you have any questions about your personal data held on file, we would be grateful if you could contact the BIG Data Protection Officer.

© Business & Investments Group Inc. (BIG), All rights reserved.