Terms and Conditions

Terms and Conditions


This website is designed as marketing material. This website has been composed by Elbin Capital & Insurance Private Bank (Europe) S.A., a public limited liability company (société anonyme) incorporated under the laws of the Grand Duchy of Luxembourg, registered with the Luxembourg trade and company register under number B 6.395 and having its registered office at 43, Boulevard Royal, L-2449 Luxembourg (“Elbin Capital & Insurance”). Elbin Capital & Insurance is supervised by the CSSF (Commission de Surveillance du Secteur Financier) and the ECB (European Central Bank).

This website is for information purposes only, does not constitute individual (investment or tax) advise and investment decisions must not be based merely on this document. Whenever this document mentions a product, service or advice, it should be considered only as an indication or summary and cannot be seen as complete or fully accurate. All (investment or tax) decisions based on this information are for your own expense and for your own risk. You should (have) assess(ed) whether the product or service is suitable for your situation. Elbin Capital & Insurance and its employees cannot be held liable for any loss or damage arising out of the use of (any part of) this document.

Investing involves risks and the value of investments may go up or down. Past performance is no indication of future performance. Any projections and forecasts are based on a certain number of suppositions and assumptions concerning the current and future market conditions and there is no guarantee that the expected result will ultimately be achieved. Currency fluctuations may influence your returns. The performance figures provided in this document are based on simulated past performance which is not a reliable indicator of future performance. 

The information included is subject to change and Elbin Capital & Insurance has no obligation after the date of publication of the text to update or inform the information accordingly. 

If the loan/credit is denominated in a currency other than your base currency, fluctuations in the exchange rate may influence the amount payable.

This is a non-independent research and it has not been prepared in accordance with legal requirements designed to promote the independence of investment research, and that it is not subject to any prohibition on dealing ahead of the dissemination of investment research.

Tax planning is not regulated by the CSSF and ECB.

All copyrights and trademarks regarding this document are held by Elbin Capital & Insurance, unless expressly stated otherwise. You are not allowed to copy, duplicate in any form or redistribute or use in any way the contents of this website, completely or partially, without the prior explicit and written approval of Elbin Capital & Insurance. See the privacy notice on our website for how your personal data is used (https://group.elbincapitalinsur.com/en-gb/gdpr).

Local restrictions

The information made available on this site as well as its publication is subject to the legislation of the Grand Duchy of Luxembourg. The distribution of material on the site may be restricted by local law or regulation in certain jurisdictions. This information is not intended for distribution to, or use by, any person or entity in any such jurisdiction. Access to this information from such jurisdictions is made at the visitor's own risk.


No part of this document may be reproduced or transmitted for any purpose, in any form or by any means, electronic or mechanical, including photocopying, photography, microfilm, magnetic tape, floppy disk, or any other electronic means, without the express written permission of the copyright owner or his legal representatives

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Data protection policy

Elbin Capital & Insurance Private Bank (Europe) S.A. stores, electronically or otherwise, only that data which is needed for the execution of its services.

No visitor to this site will be required to provide any personal information. By submitting personal data though the site, the visitor agrees to the contents of this personal data protection policy and accepts the conditions set out in it.

Visitors are aware that some data may be kept temporarily in the memory or on their software, in particular to make the navigation of this site easier. Visitors allow Elbin Capital & Insurance Private Bank to do this.

Elbin Capital & Insurance Private Bank has at its disposal the appropriate techniques and processes to ensure the confidentiality of these data. Elbin Capital & Insurance Private Bank would remind visitors that the confidentiality of correspondence cannot be guaranteed over the Internet.

The personal data provided by visitors are confidential and shall under no circumstances be transmitted to third parties without the visitors' prior approval and in compliance with Luxembourg's legal provisions.

In accordance with the Law, the user has the right to exercise his/her data subject rights such as to access, to erase and also to rectify his/her personal data.

The user may exercise these rights by sending a written request. Please refer to data protection section  for more details