Introduction

Welcome to the Cardea International S.A website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions.

The term “Cardea International S.A”, “Cardea”, “we” or “us” refers to the owner of the website whose principal place of business is 75, Parc d’ Activites, L-8308 Capellen Grand-Duchy of Luxembourg.

The term “you”, “investor” or “potential investor” refers to the user or viewer of this website.

Responsibility for the content of this website

We are responsible for the content of this website.

The contents of this website are based upon sources of information believed to be reliable and we cannot provide any guarantee, warranty or representation to its accuracy or completeness. Cardea has developed methods of preparing performance information and it should not be assumed that any historic information can be relied upon as a prediction of future performance.

This website contains performance information that is based on current opinions, analysis and projections within Cardea. Please note that we will be under no obligation to update or revise any performance information

Information Only

The contents of this website does not constitute or form part of any offer by Cardea to enter into any contract or agreement nor is it a solicitation to buy or sell any investment.

Any information on this website should not be used for the purposes of an offer or solicitation under any circumstances. The content of this website should not be distributed to any third party without the express consent of Cardea.

Regulatory Disclosures

Cardea International S.A is authorized and regulated by the Commission de Surveillance du Secteur Financier (“CSSF”).  The Cardea International Fund and its sub-fund the Mosaic Global Fund (“the Fund”) is authorized by the CSSF as a specialized investment fund (SIF) according to the Luxembourg law of 13th February 2007.

Terms and conditions, including risk factors, relating to the Funds are set out in the prospectuses to those Funds. You should always read and understand these terms and conditions before making an investment. In addition, you should always consult a professional financial advisor before making investment decisions.

Cardea International S.A is the investment manager and distributor to the Fund.  The Funds Independent Fund Administrator is Vistra Fund Services, the Custodian is Dexia Bank International in Luxembourg and the Independent Auditor of the fund is Ernst & Young.

YOU SHOULD OBTAIN RELEVANT AND SPECIFIC PROFESSIONAL ADVICE BEFORE MAKING ANY INVESTMENT DECISION.

Risks of Investing

There are risks associated with an investment in the Funds outlined in this website.  You should always bear in mind the following:

  • Past performance is no guarantee of future performance;
  • The value of your investment and any applicable income from that investment may go down as well as up;
  • You should not make any assumptions about potential returns or any applicable income based solely on the information in this website;
  • The value of securities and any relevant income from them can fall as well as rise as a result of market and currency fluctuations and you may get back as much as you originally invested.

Information relating to the Funds mentioned on this website should be read in conjunction with the full prospectuses. The list of risk factors relating to an investment in the Funds should always be read and understood before any investment is made. Where appropriate, you should always consult a professional financial advisor.

Linked Sites

Cardea is not responsible for the content, accuracy of any links to other websites nor is it responsible for any websites that may contain links to this website. Following links to any off-site pages or other website shall be entirely at your own risk. Cardea cannot be liable for any loss or damage arising from your reliance upon or use of such websites. Cardea does not endorse any of the views or otherwise expressed within websites linked to ours.

Intellectual Property contained on this website

All the contents of this website including the logo, design, text, graphics, images and arrangements are the property of Cardea International S.A. All intellectual property of Cardea International S.A may not be reproduced in any way without the express written permission of Cardea International S.A. Nothing on this website shall be construed as granting any license or rights to use our logos, designs, text, graphics, images or any other content whatsoever on this website.

If you download files from this website you are doing that at your own risk.  We would assume that downloading any files would be for the purposes of a potential investment in the Funds or for information about Cardea and would not be for any other purposes.

Maintaining an Account

Some areas of this website will require that you set up an account with us. This account is for access to certain areas of the website and for no other purpose.  If you maintain an account you are responsible for maintaining the confidentiality of your username and password.  Furthermore, you agree to accept responsibility for activities and any associated statements you accept under your account that are due to any misconduct, inaction or negligence.

Applicable Law

The use of this website and any downloads from it and the operation of these terms and conditions shall be governed by and interpreted in accordance with the laws of Luxembourg. The terms and conditions set out above represent the entire agreement between Cardea International S.A and the user of this website.

Tax

Any potential investment in the Funds should be considered in line with current levels of taxation and on individual financial circumstances. You should consult a professional financial advisor on this matter.

US Investors

The information on this website does not constitute an offer of securities to any person in the United States (“U.S.”) or to any U.S person defined under the Securities Act 1933 as amended. Information on this website is not directed to any person who is resident in the United States or a U.S citizen. The Funds outlined on this website are not registered under the Securities Act 1933 or the Investment Company Act 1940. Consequently, the Funds cannot be offered for sale or be sold in the United States or in territories under its jurisdiction to U.S citizens or residents in those areas.

Money laundering

All transactions involving client money will be subject to the requirements relating to money laundering following European Union standards.

Client money

Cardea is not authorized by the CSSF to hold client money or assets.

Data Protection

All personal information handled by Cardea International S.A will be subject to the requirements under any relevant data protection legislation.

No Warranty

The information, opinions, estimates and content on this website are provided without any representation or warranties of any kind whether express or implied.

Cardea International S.A assumes no responsibility for and makes no warranties that functions on this website will be error-free or that this website will be free of viruses or other harmful external sources.

Limitation of liability

Cardea International S.A is excluded from all liability for any direct, indirect or consequential loss or damage arising from, or in connection with the following:

  • Accessing or using this website;
  • Any decisions you make based on the information, opinions, estimates and content made available to you through this website;
  • Any external websites accessed via this website.