The research (e.g., studies) offered on this website has been prepared with utmost academic care and rigour and are based on publicly available data and sources we consider reliable.

However, FIN21 AG makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, or reliability of the content. Errors or omissions may occur. The authors, as well as the participating institutions (e.g., sponsors), assume no liability for decisions or actions taken directly or indirectly on the basis of the analyses, results, or interpretations presented in this study. The content does not constitute investment, legal, or other professional advice, but serves exclusively scientific and informational purposes.

By downloading or purchasing research or digital data products from this website, you agree to the following:

• All data is provided strictly “as is”, without any guarantees or warranties.
• FIN21 AG does not provide investment, legal, tax, or other professional advice. All data is intended for informational use only.
• Any decisions made based on data from this website are done at your own risk and judgment. FIN21 AG assumes no liability for any outcomes resulting from the use of data downloaded or purchased from this website.
• Digital downloads are final. No returns, refunds, or exchanges are possible once a purchase is completed.

Publisher:
FIN21 AG
Europaallee 41
CH-8004 Zurich
Switzerland

Last updated: 28 March 2026.