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By accessing this website, the pages contained on it as well as the products, services, information, tools and materials (hereinafter referred to as "website"), you acknowledge your agreement with and your understanding of the following terms of use.

Overall Responsibility
MAF Zurich Consulting Group AG
Sihleggstrasse 23
CH-8832 Wollerau
Email  info(at)zcgroup.org

from Switzerland:
Telefon 0840 0840 11
Fax 0840 0840 22

from abroad:
Telefon +41 44 787 15 00
Fax +41 44 787 15 01

Firmennummer CH-
UID-Nummer CHE-112.887.977 

Sources of Pictures
istock.com, fotolia.com, reuters.com


Ownership of Website, Trademarks and Copyrights
MAF Zurich Consulting Group, MAF Outsourcing and other brand names and company names on this website are trade names and/or servicemarks or registered trademarks or servicemarks of MAF Zurich Consulting Group and/or its direct or indirect subsidiaries, affiliated company or parent company (hereinafter referred to as "MAF" or "we" or "MAF Zurich Consulting Group"). Unless otherwise stated, all materials available on the website are subject to the copyrights of MAF Zurich Consulting Group. MAF Zurich Consulting Group retains all rights (in particular copyright and trademark rights) of all contents of this website and will enforce such rights to the full extent of the law. Nothing on the website shall be construed as granting any license or right to use any images, registered trademarks or logos. Downloading, copying or printing individual pages and/or parts of the website is allowed for personal use only and does not transfer title to any software or material of the website to you. Explicit reference must be made to MAF Zurich Consulting Group in the event that the material or any part thereof is reproduced in any form, electronic or written. Furthermore, any reproduction, re-publication or distribution of this material requires the express consent of MAF Zurich Consulting Group.

Restrictions on offer, solicitation and distribution
The information on this website is not directed at or intended for distribution to or use by any individual or legal entity that is a citizen or a resident of or located in any country where such distribution, publication, availability or use of the information would be contrary to applicable law or regulation, or which would subject MAF Zurich Consulting Group to registration or licensing requirements. Nothing on this website shall constitute an offer or a solicitation of an offer to buy or sell products or services. The information published on this website is descriptive of MAF Zurich Consulting Group as a whole; the services may not be suitable for you or be available in the country in which you are located, or may only be available through a branch or an affiliate of MAF Zurich Consulting Group that is properly licensed to offer such services in that country. MAF Zurich Consulting Group will not treat users of this website as its clients by virtue of them accessing it. Users of this website should seek the advice of their independent advisor prior to taking any decision on the basis of any information contained herein; no information published herein constitutes general or specific legal, tax or business advice of any kind.

The information contained in this website may relate to products and services of a person or entity that operates in a country other than that in which you are located. Accordingly, the rules for the protection of private customers that are applicable in the country in which you are located may not be applicable to such products and services.

Disclaimer and precautionary statement
All opinions and estimates expressed on this website constitute our judgment as of publication and do not constitute general or specific legal, tax or business advice of any kind. This website may contain statements that constitute forward-looking statements. In addition, in the future we, as well as others on our behalf, may make statements that constitute forward-looking statements. Such forward-looking statements may include, without limitation, statements relating to our plans or objectives; our future economic performance or prospects; the potential effect of certain contingencies on our future performance and assumptions underlying any such statements.

By their very nature, forward-looking statements involve inherent risks and uncertainties, both general and specific, and risks exist that predictions, forecasts, projections and other outcomes described or implied in forward-looking statements will not be achieved. We caution you that a number of important factors could cause actual results to differ materially from the predictions, forecasts, projections and other outcomes contained in any forward-looking statement.

Information and opinions presented on this website have been obtained or derived from sources believed to be reliable, but MAF Zurich Consulting Group makes no representation as to their accuracy or completeness. MAF Zurich Consulting Group maintains the right to delete or modify information on this website without prior notice.

MAF Zurich Consulting Group can, to the extent permitted by applicable law and/or supervisory regulations, act upon or use the information or opinions it presents on this website, or the research or analysis on which such information or opinions are based, before the material is published.

MAF Zurich Consulting Group may have issued other reports that are inconsistent with and reach different conclusions from the information presented on this website. Those reports reflect the different assumptions, views and analytical methods of the analysts who prepared them; MAF Zurich Consulting Group is under no obligation to ensure that such reports are brought to your attention.

No warranty – No Liability
The information on this website is provided on an "as is" and "as available" basis. MAF Zurich Consulting Group excludes all warranty that access to the site will be uninterrupted or error-free, that defects will be corrected or that viruses or other harmful components will not be transmitted in connection with the use of the website. MAF Zurich Consulting Group hereby expressly disclaims, to the fullest extent permitted by applicable law and/or regulation, all warranties, express, statutory or implied, regarding the website and any results to be obtained from the use of the site and its content.

MAF Zurich Consulting Group does not warrant or guarantee the accuracy, timeliness, suitability, completeness or availability of this website or the information or results obtained from the use of it. Under no circumstance and under no theory of any applicable law and/or regulation shall MAF Zurich Consulting Group be liable to anyone for any damages arising in tort, contract, strict liability or otherwise from access to or use of or inability to access or use this site or from any action taken or not taken as a result, regardless of whether they are direct, indirect, special, incidental or consequential damages of any kind.

Data Security
Please read the section on "Security of Data Transfers" in the "Privacy Policy".

Links to other Websites / Content of other Providers
Activating certain links on this website may cause you to leave the site. Such links, addresses or hyperlinks are provided only for your convenience and information. MAF Zurich Consulting Group has not reviewed any of these websites linked or connected to this website or which provide links to this website, and does not accept liability for their contents, products or services or any other offers. Using links from this site to access the websites of third parties is at your own risk.