Terms of Use

1. Altshuler Shaham Ltd., Altshuler Shaham Provident Funds and Pension Ltd. and all of Altshuler Shaham Group companies (hereinafter: “Altshuler Shaham") provide access to the website (hereinafter: the “Website") and use thereof subject to the Terms of Use set out below (despite being worded in the masculine - for the sake of convenience - the text is aim at both men and women).
2. Please review the Terms of Use. Using the Website constitutes unequivocal and irrevocable consent on the part of the user to the Terms of Use set forth below - without limitation or reservation.
3. Altshuler Shaham engages in investment portfolios management for others and for itself, and in managing provident funds and mutual funds, etc.
4. It is hereby clarified that the Website does not constitute investment marketing and/or advice and/or personal pension marketing and/or a substitute for such marketing and/or tax advice, subject to the provisions of the law and taking into account the unique information and needs of each person.
5. The Website should be construed as a commitment by Altshuler Shaham to reach excess yields.
6. Notwithstanding the fact that Altshuler Shaham Group takes reasonable precautions to ensure that the information and data on its website are correct, well-established and reliable, Altshuler Shaham does not guarantee the level of accuracy and completeness of the information or its being up to date or suitable for any purpose.
7. As a result, the use of the information contained in this Website is at the user's sole responsibility, and Altshuler Shaham is not responsible for, and shall not be held liable, in any  way, for any damage or loss that may be caused, either directly or indirectly, due to the use of the information on the Website.
8. Altshuler Shaham engages in all types of securities and financial assets mentioned on the Website or can be reached using means of communication. From time to time, Altshuler Shaham’s investment managers may engage in either the purchase or sale of financial assets.
9. Any information pertaining to mutual funds or provident funds does not constitute an offer to purchase units in mutual funds or to join provident funds. Any information pertaining to a particular security or financial asset - whether appearing on the Website or accessible through means of communication, does not constitute an offer or recommendation.
10. Information as aforesaid does not constitute an expression of any opinion whatsoever regarding the reviewed company or the nature and terms of the securities offered by the company. Altshuler Shaham participates in public and/or private offerings and may participate in offerings of companies regarding which it has published information on its Website.
11. The Website and its contents - including graphic design, drawings, diagrams, illustrations, photographs, images, texts, graphic elements, multimedia, etc. - are protected by copyright, trademarks and other intellectual rights (hereinafter: the "Rights"). Altshuler Shaham is the owner of these rights and the user shall have not interest whatsoever in these rights or their content.
12. The entire Website is protected as a complete work of authorship.
13. No action may be taken to infringe these rights. Protected information may not be copied, redistributed, transmitted or published in any manner without the prior written consent of Altshuler Shaham. It is prohibited to alter, or take any action that may undermine, the credibility of the information or Altshuler Shaham’s reputation as owner of intellectual rights to the information or of any other party which owns the information.
14. The Website as a whole - including all the information contained therein, its underlying code and any information or material accessible through the Website - is available to the user as-is; use of the Website is at the user’s own risk. Although Altshuler Shaham makes and an effort to verify the quality, reliability, completeness and accuracy of the Website’s contents, the information in the Website may contain mistakes and/or errors and/or inaccuracies,
15. Altshuler Shaham is not responsible for, and shall not be held liable, for damage that may be caused to the user due to such mistakes. Altshuler Shaham shall not be responsible or held liable for any disruption, error or omission in the contents of the Website, and shall not be liable for any direct or indirect, consequential or incidental damages caused or incurred as a result of accessing and using the Website or any denial of access to, or useof, the Website.
16. Altshuler Shaham shall not be held liable for any damage that may be caused by viruses, software applications, intrusions or any violation of the information security measures used by Altshuler Shaham.
17. Altshuler Shaham is not responsible for the information contained in any websites linked to its Website, if any, and shall not be held liable for damages of any kind caused to the user as a result of reliance on information found on the linked websites.
18. Altshuler Shaham hereby clarifies that the information contained in the Website is for general and informational purposes only and does not constitute advice, recommendations or solicitation to conduct transactions with Altshuler Shaham and/or any other party. Prior to conducting a transaction, investing or assuming any obligation based on the information
contained in the Website or linked websites, Altshuler Shaham proposes and recommends that users consult with a professional certified consultant or marketer in the relevant field. In any case where the user agrees and is aware that any reliance on declarations, opinions, advice or any other information appearing on the Website is made at the user’s discretion and is his sole responsibility.
19. The user is aware and agrees that - subject to the Protection of Privacy Law, 5741-1981 and to the provisions of any law - Altshuler Shaham shall convey information about the user to any third party, to the extent necessary and at Altshuler Shaham’s sole discretion. The user agrees that Altshuler Shaham may use information about him to provide him with information about various tools managed by Altshuler Shaham.
20. Altshuler Shaham reserves the right to remove, amend, modify or add any part of the information contained in the Website by updating the Website from time to time - at Altshuler Shaham’s discretion, and for this purpose, disrupt the Website’s operation from time to time for maintenance purposes. The user shall have no claim against Altshuler Shaham for such actions.
21. The user hereby confirms that transmission of information to or from the Website does not give rise to any connection or relationship between him and Altshuler Shaham other than that specified in the Terms of Use.
22. In case of any discrepancy between the information received in the course of using the Website and the information in the offices of Altshuler Shaham, whether in its official documents or written or oral communications by Altshuler Shaham’s employees, the information in Altshuler Shaham’s offices, in its official documents or communicated by employees of Altshuler Shaham, shall be considered as binding.
23. If the Website shall contain discussion forums, the following rules shall apply:
23.1. The user is aware that all messages appearing on the forums are the sole responsibility of their authors/senders. The user confirms that the content of any message written or sent by him is his sole responsibility.
23.2. Altshuler Shaham is not responsible for the accuracy and/or correctness and/or quality of messages on the discussion forums, including spelling mistakes and any errors whatsoever. Altshuler Shaham is not responsible for any errors, damage to users or omissions that may be caused as a result of writing and/or sending messages to the discussion forums. Altshuler Shaham is not responsible for any loss or damage that may be caused by the use of the information appearing on the discussion forums. The user confirms the above and is also aware that in using the discussion forum he may be exposed to offensive, erroneous, misleading, wrong information, etc., and that he will have no claim or demand against Altshuler Shaham in connection therewith.
23.3. A user who writes and/or sends messages to forums undertakes not to send any message that is illegal and/or harmful and/or harassing and/or derogatory and/or which may be deemed defamatory and/or constitute libel and/or may violate the privacy of another user. The user undertakes to refrain from sending to a discussion forum a message containing information that may solicit other users and/or encourage certain behavior and/or a particular action. The user undertakes not to send spam to other users, whether within the discussion forum or using their private email addresses, as published - if published - in the discussion forum. The user undertakes not to pose as any person and/or body and/or company and/or entity. The user undertakes not to send any information and/or software and/or file which infringes, whether directly or indirectly, whether intentionally or unintentionally, on the provisions of the law and/or the Securities Exchange and/or patent and/or trademark and/or confidential information and/or copyrights and/or any other intellectual right of any third party whatsoever. The user and/or sender and/or author of the message grants Altshuler Shaham and/or other users the right to use the information at no consideration whatsoever as of the information’s publication date. Altshuler Shaham ON LINE and/or any other user may amend, process, publish, distribute, rewrite, translate, cut and incorporate the information into other content, display the material and / or information in whole or in part, Through the Internet and / or in the media and / or in any technological way known or known in the future.
23.4. The user is aware that Altshuler Shaham and any representative thereof may edit and/or amend and/or delete messages - in part or in full and/or prevent the user from publishing the message in any way without prior notice.Without derogating from the generality of the aforesaid, it is hereby clarified that in any case where information written and/or sent by a user may violate the provisions of these Terms of Use, Altshuler Shaham shall be entitled to take action at its sole and absolute discretion.
23.5. The user and/or writer and/or sender of the messages to the discussion forum agrees and undertakes to indemnify Altshuler Shaham for any expense,including legal expenses and attorney's fees, if any, resulting from any third party claim and/or demand against it due to violation of any provision of these Terms of Use.
23.6. Altshuler Shaham shall take measures to protect the privacy of the user to the best of its ability, at its discretion. Altshuler Shaham shall take reasonable measures not to disclose information about the user unless the user himself has allowed it. Notwithstanding the aforesaid, Altshuler Shaham is entitled to expose and/or disclose the identity and details of a user if he has made illegal use of information and/or if Altshuler Shaham shall be required to do so by a competent authority.
23.7. It should not be assumed that active users in the discussion forums are who they claim to be or that they are knowledgeable regarding the information they publish in the discussion forums, nor that this information is reliable and accurate.
24. The above terms and conditions are subject to changes by Altshuler Shaham at any time, without prior notice. A user shall have no claim against Altshuler Shaham in connection with  the above.
25. Any reference to “Altshuler Shaham” in the Terms of Use also denotes all the companies in the Altshuler Shaham group and all employees, managers and officeholders.

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