Website Terms of Use

Gemelnet authorizes you to use this website (below: "The site") subject to the terms of use below and in addition to any other agreement between you and Gemel Net. By actually entering and using the website, you declare that you have read and understood the terms of use below and that you agree to all the terms detailed therein.

The very use of the website, including information and/or connectivity to other information sources and/or through it, confirms the user's agreement, without reservation or limitation, to the terms of use detailed below.

The purpose of the site is to enable the audience to receive comparative information regarding the performance of קופות הגמל, קרנות הפנסיה, פוליסות חיסכון and קרנות ההשתלמות of the investment houses and insurance companies according to information received in accordance with the publication of the Insurance and Savings Capital Market Authority.
The site as a whole, including all the information that appears on it, the software on which the site is based, information and material that is accessed through the site, is provided and available to you as is (as is). In addition, the information on the website is updated at the time of its publication, and it should be taken into account that after the publication, changes may apply to it, which will not yet be reflected on the website. Gemelnet has the right to change the website from time to time, including adding and/or removing services and/or changing the instructions for use and the conditions for using the website and/or stopping the activity of the website in whole or in part, according to its sole discretion. The presentation of information on the website should not be seen as an agreement or commitment to provide any service. Continued use of the website after changing the terms of use will indicate your agreement and acceptance of the updated terms of use.
The site includes marketing content about products and services offered by Gemelnet and/or investment houses and/or insurance agencies and/or insurance companies. The marketing content is intended for general information purposes only. Nothing in the pages and information on the website constitutes a recommendation, invitation to offer, proposal, solicitation or advice for conducting transactions with Gemel Net and/or any other entity, and nothing in the content is intended to replace professional advice tailored to your personal needs. You can also find various tools based on the information on the site such as calculators. These tools are offered to you for convenience only, and their use and the results of the calculations produced as a result of their use are not a substitute for receiving professional and personal advice. Gemelnet will not be responsible for any damage caused due to reliance on the information on the website, including the results of the aforementioned calculations.
There is a possibility that the information appearing on the website may contain disruptions and/or errors and/or inaccuracies, even though Gemelnet does everything in its power to verify the quality, reliability, completeness and level of accuracy and updating of the information and content included on the website. Gemelnet and/or anyone on its behalf will not be responsible for any damage that may be caused to you due to these disruptions. Also, Gemelnet and/or anyone on its behalf will not be responsible for the information found on other websites or external websites, which are linked to the website via a link ("link") or in any other way, and it will not be responsible for damages caused to you as a result of relying on the information found on these websites or using it.
The information on the site is intended to be used as background material only, and does not necessarily reflect the position of any body. Gemelnet and/or anyone on its behalf will not be responsible in any way for direct or indirect damage and/or loss resulting from the use of the information contained on the website (in whole or in part), if it occurs, nor can they guarantee or be responsible for the reliability of the information detailed on the website. The information presented on this website is based on public and visible public information as well as on sources of information that are considered reliable. Naturally, data included on the site is expected to change.
Nothing in the pages and information on the website is advice, recommendation or opinion regarding the feasibility of investing or saving in any product, and cannot be a substitute for personal advice adapted to the data, needs and goals of each person. What is stated in the pages and information on the website does not constitute tax advice of any kind.
Gemelnet and/or someone on its behalf will not be responsible towards the user in the event of a violation of these terms by another user or another behavior or act by a user or other person, and that in the event of any violation or other act by a user or other person, the user may sue only the user or the other person and will not have any claim, claim and/or demand of any kind against Gemelnet/or anyone on its behalf
Gemelnet and/or anyone on its behalf is not responsible for any damage that may be caused to you due to a defect or malfunction in the software that operates the website and/or in the software that activates access to the website and/or for the cancellation or temporary suspension of the services provided on the website and/or for downloading software through the website and/or a defect or malfunction in the terminal equipment in the user's possession and/or incorrect operation by you
Gemel Net will not be responsible for any damage, loss or expense and/or disruption of the information displayed on the website, which may be caused to you as a result of, among others, the following factors: temporary interruptions in the provision of services on communication lines, and/or disruptions and other malfunctions in the communication lines, and/or disruptions in the operation of the website, its availability and/or the response times of the computer systems, and/or disruptions in information and/or data and/or in transmitting and/or receiving instructions and/or requests, as a result of malfunctions arising from communication lines or other malfunctions that are not under Gemelnet's control and/or that Gemelnet could not prevent with a reasonable effort.
You may not (either by yourself or by someone on your behalf): (a) use the website for any illegal, immoral, and/or unauthorized purpose; (b) damage or disrupt the operation of the website or the servers and networks that store the website; (c) bypass all the means used by gemelnet.net in order to protect the privacy of users; (d) create a browser environment or frame or create a mirror image or perform deep linking to any part of the website without gemelnet.net's prior written permission; (e) create a database by systematically downloading and storing all or part of the content on the website, among other things using automatic tools and technologies for scanning information, mining information and/or automatic retrieval or collection of information from the website ("Crawlers", "Automated Data Mining Tools", etc.); (g) Transfer or make accessible in any other way to the website a virus, worm, Trojan horse, bug, bug, malware, any other computer code, file or software that may harm, or is intended to harm the operation of the website.
You may not upload, retrieve, transmit, distribute or publish information or other material (a) that may limit or prevent others from using the website; (b) which are prohibited for publication or use, or which constitute a threat, injury, insult, libel, defamation, pornography or other vulgar expression; (c) are in the nature of things that may encourage, persuade, stimulate or assist another to commit an act prohibited by legislation or that may trigger legal liability; (d) that may infringe another's property rights, including intellectual property rights, copyrights, patents, privacy protection rights and/or any other proprietary right; (e) that include a virus or other software that may damage computer systems; (f) which include advertising of any kind without express prior permission from Gemel Net.
Performing actions on the website is prohibited for users who are not older than 18 years.
The site uses advanced technologies to protect the user's privacy, despite the fact that there is a risk of intrusion into the databases. As long as Gemelnet takes reasonable security measures, it will not be responsible for the damage caused as a result of such a hack and for the transfer of information about you or information provided by you to any third party as a result of such a hack. The website's computers maintain a computerized record of the operations carried out in the system and it will be prima facie evidence of what is said in these operations. The site will be entitled to replace the information security methods at its discretion. The website will take reasonable steps to secure the information and undertakes not to transfer the user's details to any external parties, except as necessary to complete joining the dedicated fund.
The user of the website declares that he knows that the data typed by him as part of filling out the details and joining form found on the website, are transferred to commercial companies with each click on each of the send/confirm/continue keys and the user expresses his consent to this with each click.
The user of the site declares that the user's information is provided of his own free will, and he hereby agrees and authorizes the site to transfer them to companies and/or any other party, including for marketing purposes, at the sole discretion of the site from time to time. What is stated in this section constitutes a notification according to section 11 of the Privacy Protection Law 1980-5771 (hereinafter: "the law").
The user of the website declares and agrees that, as long as he has not notified otherwise, the personal data will be used by the website, among other things, also for the purposes of direct mailing to his residential address and/or his electronic address and/or through any other means of communication provided by the user, in accordance with the provisions of section 17 of the law.
For the avoidance of doubt, Gemelnet and/or anyone on its behalf transfers the details left by the user in the leave details and join form to a third party for a predetermined fee. Gemelnet and/or anyone on its behalf bears no responsibility with regard to the marketing process, including the actual contact, the method of contact and/or the time of contact with the person leaving the details in the leave details and opt-in form.
Gemelnet and/or anyone on its behalf does not bear any responsibility for the content of advertisements, and/or commercial information published on the website, "banners" or any advertising material published on the website. The publication of the ads does not constitute a recommendation to purchase the advertised products and/or services or even to make any use of them. The responsibility for the content of the publication, its purpose, and the manner of its use, rests solely with the advertisers. Gemel Net is entitled to refuse to publish any content, (including surfers' comments), which it believes are inappropriate and/or violate any of the conditions below and/or may harm the website and/or the company and/or any third party, and it is entitled to delete such content at any time, or alternatively not to publish it at all.
The website uses "Cookies" files (hereinafter: "Cookies") for the purpose of its regular and proper operation, including to collect statistical data about the use of the site, and to adapt the site to the user's personal preferences and information security needs. The cookies will be saved on the hard drive of your computer, as long as you do not delete them proactively. Clarification: "cookies" are actually text files, which the user's browser creates according to a command from the site's computers.
The exclusive place of jurisdiction for any matter and dispute regarding the services on the site will be the competent court in Tel Aviv, which will hear the matter in accordance with the laws of the State of Israel.