UBS appreciates your visit to this web site (“UBS Website”) and your interest in our services and products. Your privacy is important to us and we want you to feel comfortable visiting our site. We take care to protect your personal data collected, processed and used during visits to the UBS Website.

You will find additional detailed information on how UBS processes its clients’ personal data in the UBS data privacy notice. UBS publishes the data privacy notice and all amendments to it on its website.

By accessing the UBS Website you accept this Privacy Statement (“Statement”).

If you do not agree to this Statement, do not proceed to further web pages of the UBS Website.

This Statement may be updated from time to time. We therefore ask you to consult it on a regular basis. The last line of this Statement below indicates when the Statement was last updated.

What are the purpose and the scope of this Statement?

UBS AG, its subsidiaries and branches (“UBS” or “we”) are committed to safeguarding the personal information that we collect from individuals who use the UBS Website. Accordingly, UBS has developed this Statement to describe how and what type of data will be collected from users of the UBS Website and the purposes for which UBS may collect, share or disclose the data. UBS also outlines reasonable precautions which are taken to keep your data secure.

This Statement applies to any information obtained by UBS through your use of the UBS Website. It is not applicable to any Internet websites controlled by third parties not affiliated with UBS that the UBS Website may link to (“Third Party Sites”). Please review the privacy statements of Third Party Sites as UBS is not responsible for and has no influence on the content or the privacy practices of Third Party Sites.

The terms of this Statement are subject to any additional terms of disclaimers or other contractual terms you have entered into with UBS such as client privacy statements or notices, and any applicable mandatory laws and regulations.

What information do we collect from you and for what purpose?

When you visit the UBS Website, our web server automatically records details about your visit (for example, your IP address, the web site from which you visit us, the type of browser software used, the UBS Website pages that you actually visit including the date and the duration of your visit).

In addition, we collect personal data which you provide through the UBS Website, for example when you enter personal details (e.g. name, gender, address, e-mail address, phone/fax number) on a registration page or if you sign up for an email newsletter.

UBS will use your personal data:

• for the purposes of technical administration and research & development of the UBS Website,
• for customer and user administration and marketing,
• to inform you about our services and products, and
• for such purposes as otherwise specified.

UBS respects applicable laws and regulations in its use of personal data.

How do we use tracking technologies to collect and save information about you?

UBS uses tracking technologies such as cookies and pixels to collect information, such as that referred to above (see: “What information do we collect about you and for what purpose?”), to gain a better understanding of how visitors use the UBS website. These technologies help us to manage the UBS website and to improve its IT security and user-friendliness. We can, for example, identify if your end device had already established a connection to us at an earlier point in time and see which are the most frequently used areas of the UBS website.

“Cookies” are files that are stored on your end device when you visit the UBS website. Some cookies are necessary for the functionality of the UBS website and are automatically deleted after you leave the site. We use other cookies to store settings (e.g. language selection) for a later visit, for anonymous statistics about the use of the UBS website and to personalize the contents of our websites (“retargeting”). We may also use cookies on partner websites to display advertisements that are relevant to your interests and to evaluate your response to those advertisements; however, these do not provide the partner in question with any personal information.

Reports on user behavior: We use “web analytics tools” on our website, such as Google Analytics, an analysis service offered by Google LLC in the US. Google uses cookies for this purpose to enable an analysis of the use of the website. Google does not receive any personal data about you from us in this way, but collects information about your behavior on the UBS Website and the end device used to access it (tablet, PC, smartphone, etc.). This includes, for example, the following usage data:

• browser type and version;
• the website address (URL) from which you linked to the UBS website;
• the name of your provider;
• the IP address of the end device;
• date and time of access to the UBS website;
• pages visited and length of time spent on them.

This information is stored on a Google server in the US. However, your IP address will be truncated beforehand in the EU or EAA – if you have activated the anonymized IP function. The full IP address is transmitted to the US in exceptional cases only. Google is bound by the Swiss-US and EU-US Privacy-Shield in the US. We receive reports from Google based on this information. Google Analytics also enables data, sessions and interactions across several end devices to be assigned a pseudonymous user ID, thus allowing the activities of an unnamed user to be analyzed across multiple devices. More detailed information can be found in Google’s Terms of Service and Privacy Policy. You can block the use of Google Analytics by installing a browser add-on: tools.google.com/dlpage/gaoptout. You also have the option to revoke your consent to providers or to withdraw your consent to data processing by these providers.

We use similar services from other providers with locations worldwide. These providers often do not receive any personal data, but may record the user’s use of the website in question, for example, by using cookies and other technologies. These records may be combined with similar information from other websites. This allows the behavior of a particular user to be recorded across multiple websites and across multiple devices. The respective provider may also use this data for its own purposes, e.g. for personalized advertising on its own website and on other websites to which it supplies advertising. If a user is registered with the provider, the provider can assign the usage data to this person. To this end, it will usually obtain the consent of the person concerned and enable him/her to revoke this consent in accordance with his/her requirements. Such personal data is processed here by the provider at its responsibility and according to its own data protection regulations.

A “pixel” is a code snippet used to collect additional information about the use of the UBS website. A pixel is a very small symbol (roughly the size of one pixel) that is displayed on the UBS website and that collects specific information each time the UBS website is visited. The individual pages of the UBS website may use different pixels, so that your movements on the website can be tracked. We use pixels on our website for web analysis and advertising purposes.

We also use tracking technologies, such as cookies and pixels from third parties, which allow these third parties to collect the necessary details for their services. This primarily involves statistical analyses of the use of the UBS website. Where necessary, third party providers may combine the information collected from you with information from other websites you have visited and may use this information for their own purposes (e.g. to control advertising on these providers’ partner sites). If you have registered with the relevant provider, the provider can identify you. Such processing of your personal data is the sole responsibility of the provider in accordance with its own data protection regulations. For example, the “Facebook pixel”, which is operated by Facebook Ireland Ltd, Ireland (“Facebook”), is used on the UBS website. Facebook can use the Facebook pixel to identify you as a visitor to the UBS website as a target group for displaying ads (“Facebook ads”). Accordingly, we use the Facebook pixel to display the Facebook ads placed by us only to those Facebook users who have also shown an interest in our online offering or who exhibit certain characteristics (e.g. interests in certain topics or products determined by Facebook on the basis of the websites visited). By means of the Facebook pixel, we also want to ensure that our Facebook ads match the potential interest of the users and are not annoying. Using the Facebook pixel, we can continue to track the effectiveness of Facebook ads for statistical and market research purposes. It shows us whether users were redirected to the UBS website after clicking on a Facebook ad. Data is processed by Facebook within the framework of Facebook’s Privacy Policy. Specific information and details about the Facebook pixel and how it functions can be found in the Facebook Help Center. Where available, the “Cookies” link at the bottom of the page will provide you with further details on how UBS uses cookies. You can also use this link to set the types of cookies the UBS website may place on your device (these are your “cookie settings”). Please ensure that you do not select certain types of cookie in your cookie settings if you do not agree to their use by UBS. If you only wish to accept UBS cookies, but no third-party cookies, you can select the appropriate setting in your browser (e.g. “Block third-party cookies”). The help function in the menu bar of your web browser usually shows you how to reject new cookies and disable cookies you have already received. If you save your cookie settings, these should also apply to future visits to the UBS website. However, for technical reasons beyond UBS’s control, this cannot be guaranteed. For example, if you reset your browser, delete your cookies or access the UBS website using a different browser or device, your cookie settings may be lost. To comply with applicable laws and regulations, you may be asked in some countries to confirm your cookie settings when you access the UBS website for the first time. If you are in a country where you are automatically required to select your cookie settings, you may be asked to set them again on a future visit.

In many cases, you can also control tracking technologies using your browser. Please set up your browser so that you are warned, if you so wish, of tracking technologies (such as cookies) and/or accept these. You can usually find your browser’s corresponding options and instructions for use in the manual or your browser’s help file. It is not mandatory to collect the aforementioned data using tracking technologies. However, rejecting, suspending or deactivating tracking technologies may limit the availability of the services offered through the UBS website. In addition, parts of the UBS Website may no longer function properly.

“Social plugins”: The UBS website uses social plugins, e.g. from YouTube. This means that buttons of the respective providers are displayed or contents of the respective provider are integrated into the website. If you visit a website that uses such a social plugin, your browser establishes a connection with the relevant providers. The content of the social plugin is transmitted to your browser by the respective provider and integrated into the respective website. This process enables the provider concerned to receive the following data in particular:

• the information that your browser has called up the website in question;
• the IP address of the device used, even if you do not have an account with the provider.

If you are logged in at the same time with the respective provider, it can assign the visit to your personal profile. If you interact with a social plugin by clicking on a “Like” button or making a comment, the corresponding information is transmitted from your browser to the relevant provider and stored there. It may also be published on your profile with that provider and displayed to your contacts. Further information on the processing of the data concerned can be found in the privacy policy of the respective provider. If you do not want the relevant provider to collect data about you via the UBS website, you must log out of your account with the relevant provider before visiting the UBS website. Even if you have logged out, the providers collect anonymous data via the social plugins. This data may be assigned to your profile if you log in to the relevant provider at a later point in time. In these cases, the provider concerned processes your data at its own responsibility as a separate data controller and in accordance with its own privacy policy. If you want to prevent the provider from assigning data to your profile, you must delete the corresponding cookies. You can also completely prevent the social plugins from loading by installing add-ons for your browser.

If we send newsletters by e-mail, we can determine if and when you have opened the e-mail. This enables us to assess your use of the e-mail and to better tailor our offers to your interests. You can prevent this data processing in your e-mail program. You can set your e-mail program so that no information about the use of the e-mail is transmitted.

How do we process information in connection with YouTube videos?

We have integrated components from YouTube into the UBS website. YouTube allows all kinds of videos to be published, so that complete films and TV shows as well as music videos, trailers and self-made videos can be accessed via the online portal.

YouTube, LLC in the US is a subsidiary of Google Inc. in the US. If you access a sub-site of the UBS website on which a YouTube component (YouTube video) has been included, this YouTube component automatically triggers your browser to download a version of this YouTube component from YouTube to your browser. In the course of this technical process, YouTube and Google are informed which particular sub-site of the UBS website you have visited. You will find additional information about YouTube in the YouTube Privacy Policy.

If you are simultaneously logged on to YouTube when you access the UBS website, YouTube and Google are informed by the YouTube components that you have visited the UBS website, regardless of whether you click on a YouTube video or not. If you do not wish this information to be shared with YouTube and Google in this manner, you can opt out of receiving this information by signing out of your YouTube account before you visit our site.

To whom do we disclose your information collected from the UBS Website?

UBS may disclose your information to its affiliates and its and their agents and third party providers inside or outside your country of residence to perform services for UBS and for the purposes stated above. Our affiliates, agents and third party providers who have access to personal data obtained through the UBS Website are obliged to respect privacy.

When transferring personal data internationally we make sure that we comply with applicable laws and regulations, for example, by entering into agreements which will ensure that the recipients of your information maintain an adequate level of data protection.

We may also disclose your information to governmental agencies or entities, regulatory authorities, or other persons in line with any applicable law, regulations, court order or official request, or under any and for the purposes of any guidelines issued by regulatory or other authorities, or similar processes as either required or permitted by applicable law.

What security measures have we implemented to protect your information collected through the UBS Website?

UBS has implemented reasonable technical and organisational security measures to protect your personal data collected by UBS via the UBS Website against unauthorized access, misuse, loss or destruction.

How do we treat electronic messages sent to and from UBS?

All electronic messages sent to and from UBS are automatically retained in a distinct journaling system which preserves the evidential weight of the e-mails. They are protected by reasonable technical and organisational measures and may only be accessed in justified cases in line with applicable laws and regulations (e.g. court order, suspicion of criminal conduct, violation of regulatory obligations, material breach of employment contract) to specific persons in defined functions (e.g. Legal, Compliance, Risk). Every step of the process, as well as the search criteria used, are logged in an audit trail. All emails are disposed of after the applicable retention period has expired.

What should you consider when sending data over the Internet?

The Internet is generally not regarded as a secure environment, and information sent via the Internet (such as to or from the UBS Website or via electronic message) may be accessed by unauthorized third parties, potentially leading to disclosures, changes in content or technical failures. Even if both sender and receiver are located in the same country, information sent via the Internet may be transmitted across international borders and be forwarded to a country with a lower data protection level than exists in your country of residence.

Please note that we accept no responsibility or liability for the security of your information whilst in transit over the Internet to UBS. In order to protect your privacy we would like to remind you that you may choose another means of communication with UBS, where you deem it appropriate.

How do we deal with information from individuals under the age of 18?

The UBS Website does not seek to collect personal data from individuals under the age of 18. Individuals under the age of 18 should receive permission from their parent or legal guardian before providing any personal data to UBS on the UBS Website.

How can you access or review your personal data?

You may, where permitted by applicable law or regulation:

• check whether we hold your personal data,
• ask us to provide you with a copy of your personal data, or
• require us to correct any of your personal data that is inaccurate.

Should you have a request regarding the processing of your personal data please send a letter to the following address:

Dr. Gabriele Holstein

Group Data Protection Officer

Last update in May 2020.