key4 Terms of Use


These Terms of use apply to all visitors of the website and any other affiliated sites, digital services, or applications that are operated by UBS Switzerland AG (“UBS“) as well as by affiliated entities and on which a link to these Terms of use appears (collectively, the “key4 Website“). These Terms of use and any other terms that appear on the page from which you were directed to these Terms of use govern your use of the key4 Website. By accessing the key4 Website, you agree to be legally bound by the current Terms of use in effect.

These Terms of use as well as the information and material contained in the key4 Website are subject to change at any time and from time to time, without prior notice. The key4 Website is operated by UBS. UBS may add features to or remove features from the key4 Website at any time and from time to time in its sole discretion. Continued access to the key4 Website following any changes to these Terms of use will constitute your acceptance of the updated Terms of use.

If you do not agree to be bound by these Terms of use, do not use the key4 Website.

key4 Website and key4 mortgages restricted to Swiss residents

The key4 Website and all information and functionalities included therein are exclusively directed at or intended for persons resident or located in Switzerland. key4 mortgages (as defined below) are only available for persons resident in Switzerland.

Information on the key4 Website
In general

All information on the key4 Website including the landing page of the key4 Website (hereinafter “key4 Landing Page“) is published for informational purposes and for your non-commercial, personal use only and should not be construed as an offer or recommendation to conclude a mortgage or any other legal act of any kind. If you consider obtaining a mortgage offered on the key4 platform (hereinafter “key4 Mortgage“), please contact a UBS client advisor through the key4 Website to evaluate your eligibility to obtain a key4 Mortgage.

If not explicitly stated otherwise in writing, all information about prices and interest rates on the key4 Website are indicative only and are not binding for UBS. No express or implied representation or warranty is provided in relation to the accuracy, completeness or reliability of the information on the key4 Website. Anyone interested in a key4 mortgage should not rely solely on the information on the key4 Website, but exercise their own judgment at all times. UBS is under no obligation to update or keep the information on the key4 Website up-to-date or to remove any outdated information or to expressly mark it as being outdated.

Interest rates published on the key4 Website

UBS publishes sample interest rates for key4 Mortgages which are calculated on the basis of a predefined model case on the key4 Website, in particular on the key4 Landing Page. The interest rates on the key4 Landing Page are updated from time to time, are for informational purposes only and do not constitute an offer in any way. Any information on the key4 Landing Page, including the model case, is subject to change at any time without prior notice and does not consider the specific financial situation or particular needs of a certain user.

For individual and daily updated interest rates, you can enter your individual financing parameters on the key4 Website. You will be asked to enter certain information on your financial situation and on the property for which you intend to request an offer for a key4 Mortgage. The interest rates that will be shown on the key4 Website after you have entered your individual financing parameters are for information purposes only and do not constitute an offer in any way. A binding financing offer is explicitly designated as such in writing and may be offered to you following consultation with a UBS client advisor and on the basis of further conditions such as information that your UBS client advisor may request from you.

No warranty

Your use of the key4 Website is at your own risk. The key4 Website, together with all content, information and material contained therein, is provided “as is” and “as available”, without any representations or warranties of any kind. Any material, information or content is accessed, downloaded or otherwise obtained through the use of the key4 Website at your own risk and UBS is not responsible for any damage to your computer systems or loss of data that results from the download of such material. Documents uploaded via the key4 Website are transmitted to UBS in encrypted form via the internet, however, it is nevertheless possible that unauthorized third parties can gain access to the data transmitted via the key4 Website, especially through malware on a computer. UBS expressly disclaims all express or implied representations or warranties of any kind with respect to the key4 Website as well as to all material, information, content and functionalities contained herein, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the abovementioned provisions, UBS does not warrant the accuracy, timeliness, completeness, security, reliability or availability of the key4 Website or the information or results obtained from use of the key4 Website. Neither does UBS guarantee that the key4 Website is virus-free or error-free.

No liability

To the extent permitted by law, UBS or its affiliates, or any of its directors, employees, contractors, service providers or agents shall not have any liability whatsoever to any person for any direct or indirect loss, liability, cost, claim, expense or damage of any kind, whether in contract or in tort arising out of or related to the use of all or part of the key4 Website or any links to third-party websites. This also excludes any liability due to negligence or any other legal ground.

You are solely responsible for acquiring and maintaining electronic devices and equipment that can handle and will allow you to access and use the key4 Website as well as for taking adequate and appropriate data security measures in accordance with good industry practice to protect yourself against fraud or cyber-attacks on a continuous basis (e.g., by using the most recent browser versions, and installing recommended security patches and up-to-date anti-virus programs and firewalls). UBS explicitly disclaims all liability for any tampering with any user’s computer system by unauthorized parties, or for losses suffered or liabilities incurred by any user arising from viruses or attacks by hackers.

In no event will UBS or its affiliates, or any of its officers, directors, employees, contractors, service providers or agents be liable for any incidental, special, punitive or consequential damages howsoever caused arising out of the use of the key4 Website, its content, or the impossibility to use the key4 Website.

This disclaimer of liability applies to any and all damages or injury, including those caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft, destruction, or unauthorized access, whether for breach of contract, tortious behavior, negligence or under any other cause of action.

Links to third-party websites

The key4 Website may contain third-party content or links to third-party websites. This content and these links are provided solely for your convenience and information. UBS has no control over, does not assume any responsibility for and does not make any warranties or representations as to any third-party content or websites, including but not limited to the accuracy, subject matter, quality or timeliness. UBS shall have no liability for third-party content or websites or websites linking to or framing the key4 Website.

Social bookmarks

The key4 Website may contain social bookmarks which are identifiable by means of their respective buttons. Social bookmarks allow users of certain social media platforms to post links to selected UBS web pages on their social media accounts in order to bookmark them or share them with their social media contacts. If you use social bookmarks, you will be sending personal identifying data to the respective social media platform. Any comments or activity made by or carried out by persons using social bookmarks is not controlled, endorsed or monitored by UBS and UBS shall not be responsible or liable for such. Persons who share UBS communications via social bookmarks are not authorized to speak for or represent UBS and their views and opinions must be regarded as strictly their own and not UBS’s. In addition, the provisions in these Terms of use relating to links also apply to social bookmarks.

Intellectual property rights

UBS, or the applicable third-party owner, retains all rights, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other rights) in all information and content (including all text, data, graphics and logos) on the key4 Website. Individual pages and/or sections of the key4 Website may be printed for personal or internal use only, and provided that such print outs retain all applicable copyright or other proprietary notices. All users must not, inter alia, modify, copy, transmit, distribute, display, perform, reproduce, publish, license, frame, create derivative works from, transfer or otherwise use in any other way, whether in whole or in part, any information, text, graphics, images, video clips, directories, databases, listings or software obtained from the key4 Website for commercial or public purposes, without the prior written permission of UBS. Systematic retrieval of content from the key4 Website to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) or creating links to the key4 Website without the prior written permission from UBS is strictly prohibited.

The key symbol and UBS and key4 are among the registered and unregistered trademarks of UBS. Other marks may be trademarks of their respective owners. Except as noted above, you may not use any trademarks of UBS for any purpose without the prior written permission of UBS.

Privacy statement

In the context of the Newsletter to send you mortgage rate indications (“Newsletter”), we collect and process the following personal data: name, surname, telephone number, expiry date of the mortgage and any other data you may provide to us (“Personal Information”). We collect and process your Personal Information to send you such Newsletters and to enable the client advisor to contact you shortly before the end of your mortgage. We will retain your Personal Information only for as long as necessary to fulfil the purposes described above or to comply with legal regulatory or UBS internal policy requirements. Specifically in the context of the Newsletter, we will retain your Personal Information until the maturity of your current mortgage is reached or for a maximum of 5 years, after which time it will be deleted.

UBS has established a Privacy statement, which is modified from time to time and explains how personal data is collected on the key4 Website and is used. The Privacy statement is part of these Terms of use and constitutes an integral part herein by reference.

Severability clause

To the extent that any provision of these Terms of use is found by any competent court or authority to be invalid, unlawful or unenforceable, that provision shall be deemed to be severed from these Terms of use. Such finding shall not affect the validity, lawfulness or enforceability of the remainder of these Terms of use.

Conflict with additional terms

Certain web pages or areas on the key4 Website may contain additional terms, conditions, disclosures and disclaimers (collectively, the “Additional Terms”). In the event of a conflict between these Terms of use and the Additional Terms, the Additional Terms will govern for those web pages or areas.

Last updated in May 2020.

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