The publisher undertakes to comply with all laws on the establishment and the activity of a website. TOBAM kindly requests that all users read the following terms and conditions carefully. By accessing, browsing or using the website, users acknowledge that they have read, understood, and consented to the terms and conditions. TOBAM draws the attention of users of its website to the following points:
The user of this website acknowledges that he/she has the skill and resources necessary to gain access to this website and use it. Access to the TOBAM.FR website is free of charge. The costs of accessing and using the telecommunications network are to be borne by the client in accordance with the terms and conditions set by the client’s access providers and telecommunications operators. The publisher cannot be held liable for matters outside its control or for any damage that may be caused by the user’s technical environment, in particular computers, software programs, network equipment and any other devices used to gain access to or use the service and/or the information. Users are reminded that it is an offence punishable under criminal law to fraudulently access or remain connected to an IT system, to impair or interfere with the functioning of such a system or to fraudulently enter or alter information in an IT system.
TOBAM owns or holds the rights to all components that constitute this website, particularly the research articles, data, designs, graphics & photographs. It is prohibited to reproduce, represent, distribute or re-distribute the content of this website by any means whatsoever, whether in whole or in part, without the prior express authorisation of TOBAM. Such action would constitute a contravention of the rules governing the French Intellectual Property Code. The trademarks of the publisher of the website tobam.fr and the logos included in the website, are registered trademarks.
TOBAM endeavours to ensure the accuracy, updating and exhaustiveness of the information disseminated on this website and reserves the right to change the content or presentation of this website at any time and without notice. Furthermore, TOBAM declines any liability in the event of any delay, error or omission as regards the content of these web pages, nor in the event of any interruption to the service or if the service ceases to be available.. The information given on the website may be partial and incomplete because of the necessarily simplified nature of the texts, which do not have contractual value. TOBAM declines any direct or indirect liability concerning the accuracy, absence of errors, updated nature and availability of the information contained in the website. TOBAM cannot be held liable for any decision made on the basis of information contained in the website or for the use that third parties might make of it. Anyone who wishes to use one or more of the services and/or one or more of the products presented on the website is invited to contact TOBAM to ascertain the contractual conditions and tariffs applicable to those products and/or services. Certain people or certain countries may be allowed only restricted access to the products and services presented on the website. None of the products and/or services will be supplied by TOBAM to a person if the law of his/her country of origin or of any other country that might concern that person prohibits them. However, it remains the responsibility of any interested party to check beforehand with his or her usual advisers that his or her legal and fiscal status allows him or her to subscribe to the products and/or services presented on the website.
Users are reminded that there is no guarantee messages transmitted on the Internet will remain confidential and that the responsibility lies with the individual to take all appropriate measures to protect his or her own data and/or software programs against contamination by possible viruses circulating on the Internet. TOBAM cannot be held liable for matters outside its control and for any damage that may be caused by the user’s technical environment, in particular computers, software programs, network equipment and any other devices used to gain access to the website or to use it and/or the information it contains.
Users are informed that when they visit the website a cookie may install itself automatically and retained temporarily in the user’s memory or hard disk. A cookie is a component which does not enable the user to be identified but which is used to record information about the user’s navigation on the website. Users of the website acknowledge that they have been informed of this practice and authorise TOBAM to use it. Users may de-activate this cookie by using the settings contained in their navigation software program.
The content of the tobam.fr website is subject to the law applicable in France. All users acknowledge the competence of the courts of France for everything regarding the content and use of the website or disputes arising therefrom. The sub-funds mentioned in the website are part of Most Diversified Portfolio SICAV, an open-ended Luxembourg-based investment company (Société d’Investissement à Capital Variable), validly formed and existing in accordance with the laws of Luxembourg and which is registered with the CSSF (Commission de Surveillance du Secteur Financier). TOBAM is the global distributor and the manager of the SICAV. The sub-funds may not be eligible for sale in some states or countries and they may not be suitable for all types of investors. In particular, they are not eligible for sale in the US. The sub-funds presented on this site may only be subscribed in the jurisdictions in which their marketing and distribution are authorized. TOBAM advises all interested parties to check in advance whether they are legally entitled to subscribe to the sub-funds presented on the website. The reader of this message is requested to ensure that he/she is legally authorized to consult this site from the country from which the connection has been established. Any investment in Most Diversified Portfolio SICAV should be made on the basis of the current legal documents (prospectus, KIID and reports). Past performance is not a guarantee of future performance and may fluctuate over time. For details of the investment risks, see the current KIID and prospectusin its entirety. All investors should seek the advice of their legal and/or tax counsel or their financial advisor prior to any investment decision in order to determine its suitability. The value and income produced by an investment may be adversely affected by exchange rates, interest rates, or other factors so that an investor may get back less than he or she invested. If a product is income producing, part of the capital invested may be used to pay that income. All the information contained herein may not be reproduced in any form without the express permission of TOBAM and to the extent that it is passed on, care must be taken to ensure that any reproduction is in a form which accurately reflects the information presented here. Whilst TOBAM believes that the information is correct at the date of production, no warranty or representation is given to this effect and no responsibility can be accepted by TOBAM to the recipient of this document or end users for any action taken on the basis of the information contained herein. No reliance may be placed for any purpose on the information and opinions contained in this document or their accuracy or completeness. Opinions expressed herein reflect the opinion of TOBAM and are subject to change without notice. This website is not a transactional site. This website is for information purposes only and does not constitute a recommendation, solicitation, offer, advice or invitation to purchase or sell any sub-funds or to enter in any transaction and should in no case be interpreted as such, nor shall it or the fact of its distribution form the basis of, or be relied on in connection with, any contract for the same.
TOBAM is regulated by the Autorité des Marchés Financiers (AMF) since June 2006 and is a SEC registered investment adviser. TOBAM is registered as a Cross-border investment advisory company ( “CB IAC”) in Korea. In Canada, TOBAM is acting under the assumed name “TOBAM SAS Inc” in Alberta, and “TOBAM Société par actions simplifiée” in Québec. TOBAM benefits from the International dealer exemption in Ontario, Québec and Alberta and the International investment fund manager exemption in Ontario and Québec. TOBAM is registered as an adviser in the category of restricted portfolio manager in Ontario, Québec and Alberta.