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The text, images, graphics, sound files, animation files and video files on S&P Internet sites are all subject to Copyright and other intellectual property protection. These objects may not be copied for commercial use or distribution, nor may these objects be modified or reposted to other sites. Some S&P Internet sites also contain images that are subject to the copyright rights of their providers.

All brand names and trademarks referred to on the Internet site and possibly protected by third parties are subject in all respects to the regulations of the relevant registration law and the rights of possession of the respective registered owner. It should not be concluded from the sole mention of trademarks, that such trademarks are not protected by the rights of third parties.

No Warranties or Representations
The content of these pages has been carefully prepared and checked. However, in no event shall S&P be liable for the up-to-dateness, accuracy, completeness or quality of the information prepared. Liability claims against S&P regarding direct, indirect or consequential damages of a pecuniary or non-pecuniary nature caused through the use or non-use of the information presented or as a result of erroneous and incomplete information, are generally excluded, insofar as there is no demonstrable fault of an intentional or grossly negligent nature on the part of S&P. S&P expressly reserves the right to change, expand, delete or cease publication of parts of the site or the entire site without prior notification.

Insofar as S&P refers directly or indirectly to external Internet sites (links), S&P shall not be liable for the content, availability, correctness and accuracy of the linked pages, their offers, links or advertising. Nor is S&P liable for any illegal, incorrect or incomplete content and, in particular, for any damage arising as the result of the use or non-use of information supplied on the linked pages.

No Licenses
S&P has sought to achieve an innovative and informative Internet site. We hope that you will be as enthusiastic as we are about this effort. However, you also need to understand that S&P must protect its intellectual property, including its patents, trademarks and copyrights. Accordingly, please appreciate that no license to S&P’s intellectual property has been granted by this Internet site. Duplication, dissemination, reproduction and further transmission and any other use are prohibited without the written consent of S&P.

Collection and Processing of Personal Data
When you visit our websites, our web server automatically records the name of your internet service provider (or IP-address), the website from which you visit us, the web pages within our website you actually visit, the internet browser and the operating system that are in use and the date and duration of your visit. Additional personal data is only stored if volunteered by you, for example in the context of a registration, a survey or an enquiry.

Use and Disclosure of Personal Data and Purpose Specification
S&P will use your personal data for the sole purpose of technical administration of the website and for usage statistics. We use this technical access data to continually enhance the appeal, usability and contents of our website, and to detect any technical problems with the site. S&P will not provide third parties with any personal data that we may have collected from you without first obtaining your express written permission.

In order to make your visit of our website more convenient, our site uses session cookies exclusively to maintain your language selection as you navigate through the pages. It is discarded when you leave our site.

Links to, and information regarding, other websites
The S&P website contains links to other websites. Please note that S&P cannot be held responsible for the compliance with data protection regulations by third-party providers or the contents of such websites. Upon leaving the S&P website, we recommend that all internet users consult the data protection declarations of any other websites they may subsequently visit.

S&P uses technical and organizational security measures in order to protect the personal data that we may have collected from you against accidental or intentional manipulation, loss, destruction or against access by unauthorized persons. Our security procedures are continually enhanced as new technology becomes available.

Information about data stored
Upon written request, S&P will inform you by letter, what personal data is stored by us as defined by local law.

This exclusion of liability is to be considered part of the Internet site that referred you to this page. Insofar as parts or individual formulations of this text are not, are no longer or are not completely in line with current law, the content and validity of the remaining parts of the document shall remain unaffected.

German version authoritative only.