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.

Privacy Policy

1. What data is covered by this data protection declaration?

All personal data is covered by this data protection declaration. This includes all information that refers to your identity, in particular name, address, postal address, telephone number and e-mail address.

2. Who is responsible for the careful handling of your data?

Responsible for data processing is malik international AG in St. Gallen/SG (hereinafter malik).

3. When does malik use and process personal data?

We know that the careful handling of your personal data is very important to you. Therefore, malik attaches great importance to data protection. We fully comply with the strict provisions of the Swiss Data Protection Act. For the storage, processing and use of personal data and information not only the national data regulations but also the provisions of the European Data Protection Basic Regulation are being observed. In principle, you can visit the malik website without leaving any personal data. In some cases, however, we may need such information from you:

» in making contact with us
» in the communication of business-relevant information
» in the delivery of client-related documents
» when subscribing to and unsubscribing from our newsletter

When subscribing to the newsletter, your e-mail address will be used for your own advertising purposes until you unsubscribe from the newsletter. You can unsubscribe at any time. We use the personal data in detail to handle business relations and to prevent misuse of our website. Furthermore, with your express consent, we will inform you about services and news at malik. In order to get in touch with you easier and faster than by mail we ask you to provide us with your e-mail address.

4. What does malik do with your personal data?

We store the personal data for optimal order processing. You have a right to free information about your stored data as well as if necessary a right to correction, blocking or deletion of these data. Furthermore, you can request information about the use of your personal data at any time.

5. How does malik protect your personal data?

If you have registered with malik and log in with a password, your personal data will be transmitted to us. To prevent these from falling into the wrong hands, we encrypt them using the SSL procedure (Secure Socket Layer). This is currently the most common and most secure data transmission method on the internet. It is used by malik as a standard as soon as sensitive data is transferred. You can see that encrypt data is being transmitted via the symbol of a lock in the lower status bar of your browser. malik maintains various other security measures to protect the personal data of its customers. In connection with these security measures, you will occasionally be asked to provide proof of your identity before we disclose personal information to you. An example of this procedure is access to the customer account, which is only possible by entering a password.

6. Does malik use cookies?

In order to make your visit to our website attractive and to enable the use of certain functions, we use so-called cookies on various pages. These are small text files that are stored on your mobile device. Some of the cookies we use are deleted after the end of the browser session, i.e. after closing your browser (so-called session cookies). Other cookies remain on your terminal and enable us or our partner companies to recognize your browser on your next visit (persistent cookies). Our website also uses Google Analytics, a web analysis service provided by Google Inc. (“Google”).

Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of this website is usually transferred to a Google server in the USA and stored there. However, if IP anonymization is activated on this website, Google will reduce your IP address within member states of the European Union or in other countries party to the Agreement on the European Economic Area.

Only in exceptional cases will the full IP address be transmitted to a Google server in the USA and shortened there. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, to compile reports on website activity and to provide the website operator with other services relating to website and Internet use. The IP address transmitted by your browser in the context of Google Analytics is not merged with other Google data.

You can set your browser in such a way that you are informed about the setting of cookies and decide individually about their acceptance or exclude the acceptance of cookies for certain cases or in general. If cookies are not accepted, the functionality of our website may be limited.

You can also prevent Google from collecting the data generated by the cookie and relating to your use of the website (including your IP address) and from processing this data by Google by downloading and installing the browser plug-in available under the following link:

7. When will your data be deleted?

The legislator has enacted a variety of storage obligations and periods. After the 10-year period has expired, the corresponding data is routinely deleted.

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 international 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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