General Terms of Use

Scope / General Disclaimer

The information contained on this Web Site is for the general purpose of providing information on the services and products of Malik Management Zentrum St. Gallen AG (from now on called "Malik") . Agreement: By using the Web Site of Malik and its links to the World Wide Web, you agree to the following terms and conditions and also declare that you have fully understood and do consent to these terms and conditions and the legal provisions contained therein. If you do not agree, do not use this website and the links contained therein.



Use of this Web Site / Rights of use

Any use of the information, software and documentations provided on the Web Site of Malik is subject to the following terms and conditions:

Malik grants the user a non-exclusive and non-assignable right to use the information, software and documentations provided on the Web Site only for the purpose intended by Malik.

Users are not authorized to distribute, rent or assign whatsoever the information, software, documentations contained on the Web Site to third parties. The Information, software and documentations contained on the Web Site may not be modified, reverse-compiled, compiled nor elements hereof be extracted.

The information, software and documentation on the Web Site are protected by legislations such as copyright, design and trademark legislations and under international treaty provisions and national laws worldwide.




All contents, including but not limited to text and graphics, of the Web Site of Malik, are, unless otherwise stated, created by Malik and are the copyright of and owned by Malik. All contents on the Web Site of Malik are protected by copyright. Without an express prior written consent of Malik, the contents of the Web Site of Malik may not be (in full or in parts) reproduced, transmitted (electronically or by other means), modified, linked or in any other way used for public or commercial purposes.



Users obligations

By using the Web Site of Malik, the user undertakes to comply with the following rules:

» No damages shall be inflicted on persons, especially minors, and their personal and moral rights shall not be infringed;

» The pattern of use shall not violate any legal provisions, and particularly not be a criminal conduct or an offence against common decency;

» No industrial property – and copyrights nor any other property right shall be infringed;

» No contents containing computer viruses (i.e., trojans) or similar applications which might cause damages to the software shall be transmitted;

» No links or contents shall be posted, uploaded and/or saved, without the respective authorization;

» No adverts, no unsolicited e-mails, nor unfounded warnings of computer virus or the likes shall be circulated or spread, respectively.




The Web Site of Malik may contain links or references to other Web Sites, which are not operated by Malik. Malik takes no responsibility whatsoever for the contents and information contained therein. Consequently, the use of those third party Web Sites is at user’s own risk.




Malik shall not be liable in any manner whatsoever for any loss arising out of or in connection with the use of the Web Site of Malik or any information, products, services whatsoever contained therein.




Any personally identifiable data, such as email addresses, names and addresses, made available to Malik through the Web Site of Malik is done so voluntarily, with your knowledge and consent when making a request, submission or registration for services. The data made available will be saved for the handling of your request and the execution of the respective transaction (e.g., bookkeeping, payments). All data will be treated confidential and might only be transferred and shared for potential credit screenings by third parties (e.g., Schufa in Germany) and for marketing purposes.

The personal data and any data left on the Web Site during your visit might be further analysed with regard to the use of the online services and for optimizing these services for better serving the clients’ needs. In doing so, Malik also uses the services of providers, which process the data outside Switzerland. For example, Malik relies on the services of Google Analytics and Omniture SiteCatalyst, which uses so called "cookies" and transfers and saves the generated information (including your IP-address) to/on a server located in the USA run by Google (for details, refer to, or



No binding offer

No element on the Web Site of Malik shall be deemed to constitute a binding offer to any user of the Web Site. Potential binding offers will be clearly and expressively marked as such. In case of doubt, the general principle whereas Malik does not make binding offers on its Web Site, shall prevail. Contracts with Malik are subject to specific terms and conditions.



Jurisdiction and Governing Law

Any disputes shall be exclusively submitted to the ordinary courts at the registered seat of Malik Management St. Gallen AG in St. Gallen (Switzerland). These terms and conditions shall be exclusively governed by, construed and interpreted in accordance with the substantive laws of Switzerland.




Should any provision of these terms of use not be (fully or partially) in accordance with the current legal situation, the remaining provisions of the terms and conditions shall not be affected hereof and shall remain in full force and effect.

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