Legal Information


“We”, “us” and “our” or “Utmost PanEurope” or ‘Utmost Wealth Solutions’ means Utmost PanEurope dac. Utmost Wealth Solutions is a registered business name of Utmost PanEurope dac.

When we refer to “Utmost Wealth Solutions related companies” we mean other corporate entities that either use the Utmost Wealth Solutions business name and/or are a subsidiary of a company that uses it.

Terms and Condition of Use

Please read the following terms and conditions carefully. Access to and the use of this website (the “site” or “Utmost PanEurope site”) is subject to these terms and conditions. This website is owned and operated by Utmost PanEurope, a company incorporated in the Republic of Ireland.

Utmost PanEurope is regulated by the Central Bank of Ireland.

The Utmost PanEurope website is an on-line information and communication service provided by Utmost PanEurope. By using this website or by downloading materials from the website, you acknowledge your agreement with and your understanding of the terms and conditions set forth in this notice. By using this website you will be deemed to have irrevocably agreed to these terms and conditions. If you do not agree to these terms and conditions, please do not use this website.

The information contained within this website is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorised to access or use any of the information contained on this website.

Please ensure that you have read and understood these terms and conditions before proceeding any further.

Access to Site and User Conduct

The content of Utmost PanEurope’s website is the property of Utmost PanEurope. All rights reserved. No part of the content of Utmost PanEurope’s website may be copied, reproduced, transferred, uploaded, published or distributed in any way without Utmost PanEurope’s prior written permission, except that Utmost PanEurope consents to you printing extracts from these pages for your personal use only.

The trademarks and logos displayed on this website are the property of Utmost PanEurope and/or other Utmost Wealth Solutions related companies. They cannot be used on any website without the prior written consent of Utmost PanEurope or the relevant company. The Utmost Wealth Solutions name or any trademark including the trademark UTMOST cannot be incorporated into an Internet address without the prior written consent of Utmost International Group Holdings Limited.

This Site, and all information, services and products contained within it, are intended for use by residents of the European Economic Area. Information contained within this website has not been intended for those residing outside of this jurisdiction.

Utmost PanEurope reserves the right to suspend or withdraw access to this website without prior notice at any time and accepts no responsibility for the web pages or website not being available at all times. We reserve the right to deny users access to this website or any part of it without prior notice and to decline to provide the service to any users that are in breach of these terms and conditions.


The information on this website is provided in good faith and Utmost PanEurope believes it to be accurate. Utmost PanEurope will take all reasonable measures to ensure that the information presented on the website fully conforms to the requisites of reliability, truthfulness and accuracy. However, Utmost PanEurope does not undertake any obligation or responsibility to update or amend any data, opinions and special sections (dates of assemblies, dates of board meetings, press releases, presentations etc.) that appear in this website exclusively for the purpose of providing information on the activities of Utmost Wealth Solutions related companies.

The information may be used for personal investment decision-making purposes entirely at the user’s risk. In no event shall Utmost PanEurope, nor any of its subsidiaries, affiliates or other Utmost Wealth Solutions related companies, be liable for any costs or damages, including any direct, indirect, special, incidental, or consequential damages arising out of, or in connection with the access or use of, or the inability to access or use, this website or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through this website or any website linked to, or linking into this website.

It is the responsibility of the user of this website to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided. All information provided in this website is under the condition and understanding of it not being interpreted or relied on as professional advice. Users of this website should consult their professional advisors with respect to their personal circumstances. Utmost PanEurope accepts no responsibility for the reliability, truthfulness accuracy and validity of any information in the content of the website which cannot be ascribed to Utmost PanEurope.

The information contained in this website is produced by Utmost PanEurope’s resources. Utmost PanEurope reserves the right to modify the said information and the functional and operational use specifications applying to the website as and when it chooses to do so, at its own discretion and with no forewarning.

Utmost PanEurope accepts no responsibility for any errors or imprecision in the content of the website resulting from circumstances that cannot be ascribed to Utmost PanEurope.

No liability

In using this website you specifically agree that you will not hold Utmost PanEurope or any Utmost Wealth Solutions related company liable to you or any party for any direct, indirect, special, punitive or other consequential damages of any kind arising out of any use by you of this website (or any other linked website), whether those damages are financial in nature or result from lost, corrupted, incomplete or interrupted data or transactions. The information contained within this website is by necessity of a general nature and further information should be sought by contacting us with your specific requirements.

Not an Offer

No information contained in this website constitutes a solicitation, offer, advice, recommendation, or any other service to acquire or dispose of any investment or to engage in any other investment or transaction by Utmost PanEurope, or any other Utmost Wealth Solutions related company. We have included certain information on this website as its publication is required or recommended by law, regulations and/or a provision of self-regulatory codes.

Nothing on this website constitutes a promise or offer of employment. Utmost PanEurope and other Utmost Wealth Solutions related companies are committed to the principles of equal employment opportunity and workplace diversity and all applications are considered in compliance with applicable law.

Product Availability

Some of the products mentioned on this website are only available to persons with a specific residential status. These restrictions are given on each of the detailed pages in the ‘Wealth Protection’, ‘Investment Planning’ or ‘Employee Benefits’ section as appropriate. Furthermore, applicants may be restricted by local regulations applicable in their country of residence. Utmost PanEurope does not provide legal or tax advice andadvice should be obtained from a professional adviser.

Fund Information

The performance statistics shown in the Fund Information section of the Investment Planning section of this website were obtained from Lipper Limited, a Reuters company, Morningstar and Generali Worldwide Limited. Past performance is for indication only and should not be viewed as a guide to future performance as investment returns may go down as well as up. The performance figures are net of all fund charges but do not take account of any initial charge.

Funds marked with # in the Funds Information section are categorised as UCITS.

Governing Law and Jurisdiction

The website, these terms and conditions and any claim in connection herewith shall be governed by in accordance with the laws of the Republic of Ireland without reference to principles of conflicts of laws. In the event of any disputes in relation to the website, all parties will be subject to the jurisdiction of the courts of the Republic of Ireland.

The website is not directed for the use of any person that is in any jurisdiction wherethe publication or availability of the website and its content is contradictory to local laws or regulations.

Regulatory Information

Utmost PanEurope dac is regulated by the Central Bank of Ireland. Utmost PanEurope’s Central Bank of Ireland reference number is C33612. Utmost PanEurope offers certain of its products for sale in other European Economic Area jurisdictions on a freedom of services basis.  

Data Protection and Privacy

The Privacy Policy that is applicable to this website is subject to these terms and conditions.

Links to Other Sites

The links from this website to other websites are provided for your information and convenience purposes only. Utmost PanEurope assumes no responsibility or liability for material created or published by third parties to which this website links. Utmost PanEurope does not review or monitor these links. If you decide to visit any linked sites, you do so at your own risk and it is your own responsibility to take measures against viruses and other destructive elements. Some websites may be outside your country and subject to different rules and regulations.

Links do not imply that Utmost PanEurope sponsors, refers, endorses, approves, advertises, offers or solicits or is affiliated with any entity whose products or services are described thereon.

Providing links to other publicly accessible websites is legally permissible and is consistent with the common expectations of those who make use of the Internet.

No person or website may create a link to this website without the written consent of Utmost PanEurope.

Site Submissions

Any materials, submissions or transmissions sent to Utmost PanEurope, including by e-mail or via website pages, but excluding information provided for registration of the Partner Centre and personal data as defined under applicable legislation, shall be deemed not confidential and shall become the property of Utmost PanEurope. Utmost PanEurope shall have no obligation of any kind with respect to such materials and Utmost PanEurope shall be free to reproduce, use, disclose, display, transform, create derivative works and distribute the materials to others without limitation. Furthermore, Utmost  PanEurope shall be free to use any ideas, concepts, know-how or techniques contained in such materials for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products incorporating such materials. You warrant that such materials are fit for publication and you agree to indemnify Utmost PanEurope if any third party takes action against Utmost PanEurope in relation to such materials.

Please refer to the Privacy Policy, available on this website, for further details on how Utmost PanEurope processes any personal data submitted to it.

Utmost PanEurope cannot guarantee the security of information that is communicated using email or otherwise over the internet. It is advised that any confidential and/or sensitive information should not be transmitted in this manner.

General User Conduct

When accessing or making use of any part of this website, you may not:

  • Post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind that may give rise to civil liability or otherwise violate any national or international law;
  • Post or transmit any information or software which contains any form of virus;
  • Interfere with the functioning of this website or restrict or inhibit other users from using this website;
  • Post, publish, transmit, reproduce, distribute or exploit any information obtained through this website for commercial purposes without the prior written consent of Utmost PanEurope.

Information Updates

All content included within this website, including these terms and conditions, is subject to being updated and changed at any time, without notice. The latest version will be made available on this website.

Website Property Rights

The intellectual property rights and all other rights relating to all content on this website belong to Utmost PanEurope or is used under licence from another Utmost Wealth Solutions related company. Utmost PanEurope retains all rights, title, interest and intellectual property rights in the content of this website. Use of the content of this website is restricted to personal use by you. You are granted a limited licence solely for your own personal, non-commercial use to download software from this website and you are not permitted to alter, modify or adapt any software. Any storing, reprocessing, reutilising, reproduction, distribution, dissemination or transmission of all or part of the content of this website is prohibited except where expressly permitted by Utmost PanEurope.

Company Details

Utmost PanEurope dac is a designated activity company registered in Ireland (Number 311420)
Registered Office: Navan Business Park, Athlumney, Navan, Co. Meath, C15 CCW8, Ireland.

Business Address: Navan Business Park, Athlumney, Navan, Co. Meath, C15 CCW8, Ireland.
Telephone: +353 (0) 46 9099 700
Facsimile: +353 (0) 46 9099 848

Warning Notice