Disclaimer

Users (“you”) who access this Web Site (the “Site”) and use the information contained in it, do so subject to the terms stated below. You should ensure that you have read and fully understand these terms before using the rest of this Site. By accessing any part of this Site you are deemed to have accepted these terms in full.

Rizzo, Farrugia & Co (Stockbrokers) Ltd. (RFC) is licensed to conduct investment services business by the Malta Financial Services Authority (MFSA) and is a member of the Malta Stock Exchange (MSE).

Unless otherwise stated, the information and contents of this Site are copyright of Rizzo, Farrugia & Co (Stockbrokers) Ltd. 2009.

1. If you are resident in a jurisdiction other than Malta, you may be restricted from accessing this Site by the laws or regulations in force in your jurisdiction. If you are resident outside Malta you must satisfy yourself that you are lawfully able to access this Site and use the information available from this Site in the country in which you are located at the time.

2. You may not regard any information nor any opinion expressed on this Site as an offer or solicitation from Rizzo, Farrugia & Co (Stockbrokers) Ltd. to you personally to buy, sell or otherwise deal or refrain from dealing in any particular investment instrument. The information on this Site is provided solely to help our clients in making their own investment decisions. The investments and investment services referred to in this Site may not be suitable for all investors. You are responsible for making your own investment decisions and you should seek professional advice on the suitability of any investment for you mentioned in this Site before investing.

You should note that, notwithstanding the opinions expressed in this Site, the value of your investments may fall as well as rise and past performance is not necessarily a guide as to future returns. You may get back less than the amount you invested. In the event that we have made assumptions with regard to income yields, you should note that the income from any particular investment may fluctuate from time to time. You should also note that investments which are not denominated in your home currency will have a risk associated with the rates of exchange relating to those investments and this may have an adverse effect on the value, price or income related to that investment.

The investment services and investments to which we refer on this Site may have tax consequences for you. The rates and bases of taxation can change. You should seek professional tax advice on possible tax consequences before investing.

3. We compile the information and research material available in this Site on the basis of publicly available information, internally developed data and other third party sources we believe to be reliable. While we take reasonable care in preparing the information contained in this Site, and in selecting third party sources, the information is of a general nature and you should not rely on any information contained in it regarding a specific issue without taking investment, taxation and/or other professional advice. Rizzo, Farrugia & Co (Stockbrokers) Ltd., its directors, officers and employees do not guarantee the accuracy of such information or of any opinions expressed nor do we/they accept any liability for any loss or damage which may arise directly or indirectly from your use or reliance on such information.

4. You should be aware that the Internet is not a completely reliable transmission medium. Messages and information passing over the Internet may not be free from interference by third parties, may not remain confidential and should be independently verified.

5. Rizzo, Farrugia & Co (Stockbrokers) Ltd., its directors, officers and employees, do not accept any liability for any loss or damage of whatsoever nature, including but not limited to:

- loss of profits, goodwill or any type of financial or other pecuniary or direct or special indirect or consequential loss arising from your use of or reliance on the information or functions contained in the Site, whether authorised or not;

- liability for any loss or damage whatsoever that may arise directly or indirectly from your inability to access or use this Site for any reason whether within or beyond our reasonable control;

- liability for any loss or damage whatsoever that may arise as a consequence of any delay, interruption or failure of the transmission or receipt of any instructions or notifications by or to you or on your behalf through this Site or any breach of the security of the Site.

6. Rizzo, Farrugia & Co (Stockbrokers) Ltd. does not guarantee that access to, or the information or functions contained in this Site will be uninterrupted or error free, that defects other than those within our direct control will be corrected, or that this Site or the server that makes it available are free of viruses or other harmful components and Rizzo, Farrugia & Co (Stockbrokers) Ltd., its directors, officers and employees do not accept any liability for any loss or damage arising therefrom.

7. This Site provides hypertext links to other Websites operated and maintained by third parties. Rizzo, Farrugia & Co (Stockbrokers) Ltd. does not operate or control in any respect any information, opinions, recommendations, products or services on these sites. Rizzo, Farrugia & Co (Stockbrokers) Ltd., its directors, officers and employees, do not accept any liability for any loss or damage of whatsoever nature occurring from these links and sites, to the fullest extent permissible pursuant to applicable law. Rizzo, Farrugia & Co. (Stockbrokers) Ltd. is not responsible for the contents of such websites and their Privacy Policies.

8. The content of this Site is the property of Rizzo, Farrugia & Co (Stockbrokers) Ltd. and is protected by copyright. It may be displayed, re-formatted and printed for your personal, non-commercial use only. You may not copy, transmit, amend, reproduce or redistribute in any form whatsoever information contained on this Site without the prior written consent of Rizzo, Farrugia & Co (Stockbrokers) Ltd.

9. Rizzo Farrugia & Co. (Stockbrokers) Ltd. makes every effort to maintain the accuracy of the information on this Site but cannot accept responsibility for any prejudice, loss or damage which may occur from use of the information. Rizzo Farrugia & Co. (Stockbrokers) Ltd. does not provide quality control of external links; the inclusion of any company’s or trader’s name within the pages should not be construed as a recommendation of that company’s or trader’s products and/or services.