No basis for de­ci­si­ons

The PAM website pro­vi­des no sui­ta­ble basis for making in­vest­ment and other de­ci­si­ons. The in­for­ma­ti­on pro­vi­ded is subject to change and Palomar Asset Ma­nage­ment Ltd. is not bound to con­ti­nu­al­ly re-edit and update the con­tents. 

Without en­ga­ge­ment

Alt­hough Palomar Asset Ma­nage­ment Ltd. takes all re­a­sonable and ap­pro­pria­te steps to verify the ac­cu­ra­cy of the pu­blis­hed in­for­ma­ti­on, Palomar Asset Ma­nage­ment Ltd. cannot give any as­suran­ce or war­ran­ty for the cor­rect­ness, re­lia­bi­li­ty or com­ple­ten­ess of the in­for­ma­ti­on and opi­ni­ons con­tai­ned on the PAM website. Further, the content of the PAM website may be changed at any time without prior notice. Palomar Asset Ma­nage­ment Ltd. does not accept any re­s­pon­si­bi­li­ty both re­gar­ding the func­tio­n­al ca­pa­bi­li­ty and ef­fi­ci­en­cy of the hand­ling tools and re­gar­ding pos­si­ble harmful ele­ments on the PAM website or the ne­cessa­ry network com­po­n­ents (namely server). 

Ex­clu­si­on of lia­bi­li­ty

Palomar Asset Ma­nage­ment Ltd. is not liable, neither by ne­gli­gence, for damages or con­se­quen­ti­al damages, which arise in con­nec­tion with the access or the use of the PAM website or with the im­pos­si­bi­li­ty of access or use. 

Links to other web­sites

Palomar Asset Ma­nage­ment Ltd. does not verify the web­sites linked to the PAM website and is not re­s­pon­si­ble for the content of linked web­sites and further links. The access to linked web­sites and further links is done at one’s own risk.


By ac­ces­sing the website of Palomar Asset Ma­nage­ment Ltd. (her­einaf­ter PAM website) you agree to the fol­lo­wing terms of use. 

Access re­stric­tion

Access to the PAM website is pro­hi­bi­ted for those persons who are in a ju­ris­dic­tion which forbids access to the PAM website (notably based on the content) or which makes it con­tin­gent on local con­di­ti­ons. Re­stric­tions apply par­ti­cu­lar­ly to ci­ti­zens of the United States of America (U.S.A.), the United Kingdom (UK) and to persons who are re­si­dents of the U.S.A. or UK. 
Con­di­ti­on of use

All co­py­rights and other rights on the entire content of the website are re­ser­ved by Palomar Asset Ma­nage­ment Ltd. Down­loa­ding or prin­ting of content is pro­hi­bi­ted without re­fer­ring to the source. All other usage, namely the re­pro­duc­tion or pu­bli­ca­ti­on in whole or in part, is pro­hi­bi­ted without the prior written consent of Palomar Asset Ma­nage­ment Ltd. and without re­fer­ring to the source. 

No offer

The in­for­ma­ti­on and opi­ni­ons pu­blis­hed on the PAM website are neither a request nor an offer or a re­com­men­da­ti­on, both with regard to Palomar Asset Ma­nage­ment Ltd. and third parties, to claim a service, to buy or sell in­vest­ment in­stru­ments or to process other tran­sac­tions.