Any information contained in this COMMERCIAL PUBLICATION has merely an informative nature and does not constitute an offer or recommendation or an invitation directed to anyone (or to any group of persons) to conclude a transaction on financial instruments presented in it. In particular, information contained in this publication does not constitute an offer within the meaning of the Act of 23 April 1964 - Civil Code and is not a service of investment, financial, tax, legal or any other advice. Any investment decision should be taken on the basis of information contained in the Insurance Terms and Conditions, and not on the basis of a short description contained in this publication. The Terms and Conditions of Program Inwestycyjny World Individual Life Insurance with Insurance Equity Funds are available in Bank Millennium Financial Centres, on the website of Bank Millennium as well as in the Insurer’s registered office.
This publication contains the position of Bank Millennium SA („Bank”) expressed on the basis of own assessment of the facts important for the Bank and suitable provisions of law. The Bank assures that it exercised due diligence to make the information included in this publication fair and true, and based on authoritative sources, but it cannot guarantee the fairness, completeness or current nature of information obtained from sources from outside the Bank. The Bank shall not be responsible for financial consequences of the client’s performing of a transaction on financial instruments described in this publication. At the same time the Bank reserves the possibility of changes both in the form and content of this publication, at any time and without notice. The investment in Program Inwestycyjny World is not protected by the Banking Guarantee Fund.
Investing in Insurance Equity Funds involves risk of incurring losses as well as the obligation to pay fees and income tax. The funds do not guarantee attainment of the investment target or a specific investment result.
The risk of using information included in this publication, especially for taking investment decisions on its basis, shall be borne exclusively by its recipient.
Investments into insurance of an investment nature are connected with risk presented in detail in the „Description of the risk connected with financial instruments and products at Bank Millennium S.A.”, available from the branches and on the Bank’s www.bankmillennium.pl website. Anyone who buys a financial instrument assumes and bears liability under tax obligations resulting from binding regulations. In view of the above risks and circumstances the Bank’s clients should have the necessary knowledge and experience in order to assess the character of every considered financial transaction and risk connected with it. Should there be any doubts, the Clients should use the services of a tax, legal or investment advisor. The Bank shall transfer all the additional information for which the client reasonably applied in order to enable to him the assessment of risk and nature of the transaction.
The Client’s conclusion of a transaction on instruments and financial products is the basis for recognising that the Client has familiarised himself with the conditions of the transaction and related risks and accepted them.
The dissemination and distribution of certain instruments or financial products and trading in them can be subject to restrictions with respect to certain persons and states, in accordance with appropriate legislation. It is up to the client to demonstrate the legal capacity and rights to invest in a given financial instrument. The offering of financial instruments and trading in them can be performed only in compliance with appropriate legal regulations.
Information contained in this publication shall be made available to the exclusive knowledge of its recipient. The recipient is not entitled to copy or transfer the information and make it available to third parties in any other way, either in full or in part (apart from transferring it to its professional advisors) without the Bank’s prior written consent.
Information pertaining to the insurance intermediary obligatorily transferred by the Bank on the basis of art. 4a of the Act of 22 May 2003 about insurance intermediation (Journal of Laws No. 124, item. 1154, as later amended) is available on the Bank’s website www.bankmillennium.pl, in Financial Centres of Bank Millennium S.A. and in the Insurer’s registered office.
In the event of bankruptcy of the insurer what is guaranteed as of today are benefits from the life insurance policy for natural persons: 50% of receivables, but no more than 30 thousand euros. Insurance benefits are guaranteed by the Insurance Guarantee Fund upon the principles specified in the Act of 22 May 2003 on Obligatory Insurance, Insurance Guarantee Fund and Polish Transport Insurers Office of 22 May 2003 (Journal of Laws No 124, item. 1152 as later amended). Additional information on www.ufg.pl.