Declaration of agreement

By accessing this website, the pages contained on it, and the products, services, information, tools and material contained or described herein (the “Website”), you acknowledge your agreement with and understanding of the following terms of use.

Reservation of the right to amendment

The terms of use and any information on the Website may be amended at any time without prior notice. You should therefore check these terms of use regularly. If you have not understood a provision of the terms of use, or do not agree to this, please leave this Website.

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‍Access and restrictions

This Website is not intended for natural persons and legal entities subject to legislation which prohibits access to this Website or the financial products on this Website (due to the user’s nationality or domicile/registered offices, for example, or for other reasons). Persons subject to such restrictions are not permitted to access this Website.

The financial products on this Website may only be marketed in certain countries and/or to certain people. Further details on restrictions can be found in product documents such as the fund agreements, fact sheets or prospectuses. Persons to whom all or some of the financial products on this Website may not be marketed may not access websites containing information regarding the relevant financial products.

In particular, the information contained on this Website may not be distributed and/or passed on to persons who are US persons according to the definition in Regulation S of the US Securities Act of 1933.

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No advice and no offer

The information published on this Website is intended exclusively for informational purposes. It constitutes neither advertising, advice – whether on legal, tax, financial or other aspects – nor a recommendation or offer concerning the purchase or sale of financial products or the conduct of other transactions or the conclusion of any legal transaction. The fact that you access this Website does not make you a customer.

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‍Risk  and performance notice

Capital investments are associated with risks, which include the potential loss of the capital invested. The prices, values and profits of capital investments can fall and rise. Investments in foreign currencies are also subject to exchange rate fluctuations. Details regarding the risks are described in the respective, current product documents which must be read carefully before investing in financial products.

Past performance is not an indicator of future value development and does not offer any guarantee for future success. The performance data have been calculated based on the reinvestment of any distribution of dividends and, in case of doubt, without taking into account the commissions and expenses charged at the time of the issue and redemption of units, which have a negative effect on performance. The calculation is performed in the financial product's currency and may rise or fall as a result of exchange rate fluctuations.

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Exclusion of warranty and liability

DCAP Ltd takes due professional care in preparing the information published on this Website. However, DCAP Ltd assumes no warranty for the currency, correctness, accuracy or completeness of the information published on this Website. DCAP Ltd reserves the right to update, amend or delete without notice, at any time, information published on this Website. The opinions and assessments expressed on this Website reflect the opinion of DCAP Ltd at the time of publication and do not constitute a general or specific legal, tax or other recommendation.

The information on this Website is provided "as seen" and "as available". DCAP Ltd excludes any warranty for access to this Website or individual functions functioning without faults and interruptions, for errors being rectified or for viruses or other harmful components being transmitted during the use of this Website.

Insofar as legally permissible, DCAP Ltd excludes any liability for direct and/or indirect damages or lost profits arising from the use of or access to information on this Website and/or from links to third-party websites or from the impossibility of using or accessing these. This exclusion of liability shall also apply to all damages that can be ascribed to third-party tampering with this Website. DCAP Ltd also rejects any liability for third-party manipulation of its IT system

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Ownership of Website, Trademarks and Copyrights

All material available on the Website, except where otherwise noted, is under copyright to DCAP Ltd. DCAP Ltd reserves all rights with respect to copyright and trademark ownership of all material on the Website and will enforce such rights.

Nothing on the Website shall be construed as granting any license or right to use any image, trademark, service mark or logo. Downloading, copying or printing individual pages and/or parts of the Website is allowed for personal use only, and will not transfer title to any software or material on the Website to you. Explicit attribution to DCAP Ltd must be made in the event that the material, or any part thereof, is reproduced in any form, written or electronic. Furthermore, any reproduction, re-publication or distribution of this material requires the express consent of DCAP Ltd.

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Data Security

Please read our Security of data transfers from the Privacy Policy.

Links to other websites / Content of Other Providers Activating certain links on this Website may cause you to leave this Website. Such links, addresses or hyperlinks are provided solely for your convenience and information. DCAP Ltd has not reviewed any of the websites linked with or connected to this Website, or which provide links to this Website, and does not accept any liability for their contents, the offered products or services or any other offers. Using links from this Website to any website not owned by DCAP Ltd is at your own risk.

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Internet Security

Overview

At DCAP Ltd, client confidentiality is the cornerstone of our business. Accordingly, ensuring the data security of our clients is a top priority. Please visit our Privacy Policy for further information on personal data collected and used. While DCAP Ltd employs various security practices and measures in order to protect the confidential information of its clients, as the end user, you play an important role in safeguarding against risks such as those related to virus attacks, unauthorised access and fraudulent online transactions. Below are best practices and guidelines to help you protect yourself and understand your role with respect to the Internet. This guidance is applicable to both retail and institutional clients.

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‍Internet Fraud and Phishing

Phishing, the practice of using fraudulent e-mails and copies of legitimate websites to extract financial data and other personal information from unsuspecting computer users, continues to expand in sophistication and customers of financial institutions are increasingly targets of these scams.
 
Because phishing materials often look genuine and may appear to originate  from real people, organisations, institutions, and websites, the following  precautions are suggested:

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E-mail Precautions:

Be cautious about clicking any links, opening any attachments, or downloading any files from e-mails regardless of file type or who sent them.

Never open a website using a link provided in a suspicious e-mail. Links and the e-mail sender address can be forged. Avoid including sensitive personal information in e-mail messages. A better practice is to call a company directly.

Be wary of any request that asks you to perform an urgent action (e.g., “Security Check”, “Activation”, “Verification” or any request to wire funds or make other payments).

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Online Banking and Financial Services Precautions:

Always type the official website address (URL) when logging into your financial institution. When logging into the website, check for a letter ‘s’ immediately after the “http” prefix and for the closed lock icon at the right-hand bottom of the screen. This indicates that both the Website and connection are encrypted. Review financial services websites for their privacy policies and guidance on staying safe online. Be wary of any request that asks you to disclose or verify information about yourself or your accounts, in particular, passwords or other information that a financial services provider may use to identify you (e.g. date of birth, mother’s maiden name).
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Computer System Precautions:

Keep computer software (e.g., system patches, anti-virus, and anti-spyware) up to date with the latest security patches. Contact the relevant institution immediately if you notice anything irregular with your bank account or other online accounts. If your computer and/or Internet connection appear erratic or crash unusually during an online banking session, disconnect the session and contact your bank’s IT support desk for assistance.
 
‍Unsolicited Communications

E-mail fraud is a common way that thieves attempt to steal your information. Here are some examples of methods used: Illegitimate offer e-mails advertise the sale of items at a reduced or even unrealistic price in order to obtain credit card or other financial information. Usually, the purchased products are not delivered.

Requests for assistance scams usually offer the recipient large sums of money in exchange for financial assistance. A common example involves requesting a user’s bank account information in order to facilitate a deposit into the user’s account. This information is then likely used for fraudulent purposes.

Phony sender e-mails purport to come from executives of an organisation (e.g. JohnDoe, CEO). These e-mails often request personal or confidential information and may contain a “special” offer in order to solicit a response. When contacting your financial institution or sender to verify a request for information, use only a phone number that comes from a reliable source (e.g., the back of your bank card, the phonebook, or bank statements).
DCAP will periodically contact clients through different channels such as email and phone, but will never request that the client provide their electronic banking credentials on an unsolicited basis.

Spam messages are targeted, mass-distributed, unsolicited e-mails. These e-mails may contain offers to buy items, attempt to solicit your business, or invite you to visit a website. Unfortunately, while these offers may appear legitimate, many people have lost money responding to offers that are often fraudulent.

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‍Here are some tips to help you avoid spam scams:

Protect your information. Do not share any personal or financial information with unverified or questionable organisations or individuals.

Question the provider. Know who the business is and its contact information.

inTime is on your side. Be wary of e-mails that implore you to “act immediately.”

Read the fine print. All contracts should be in writing and carefully reviewed prior to transmission of any payment.

Be wary of free offers. Never exchange payment or financial information in order to obtain a free item. Never buy anything advertised in an unsolicited message.

Be proactive in securing your data. It is advisable to periodically evaluate the risks that you face when conducting business online and take the appropriate steps to ensure that your business activities and data are safeguarded.

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Last updated: May 2023