The UBS Optimus Foundation and the authors of this webseite refuse any expressed or implied liability with regard to the accuracy, completeness or reliability of the information contained on this website. The information and opinions contained on this website are made available solely for personal use and for information purposes and can change at any time without prior notification. Neither the UBS Optimus Foundation nor its advisory board members, employees, representatives or the authors are liable for the content of this material or for claims, losses or damages occurring as a result of this website being used in whole or in part including as a basis for decisions.