This ING Investment Management website is provided as a service to institutional and professional investors/advisors. The information and prospectuses on this website should neither be regarded as an offer nor a solicitation to buy, sell or otherwise deal with any investment referred to herein and is not intended for distribution to, or use by, any person in any country, including the United States, where the investment funds and services referred to are not authorised or registered for distribution or in which the dissemination of information on the funds or services is forbidden. Please click here to see in which countries the funds are authorised or registered for distribution.

The value of any investment can fluctuate. Past performance does not provide any guarantee with respect to future performance. Some funds on the website may make use of leverage facilities, derivatives or invest up to 100% of their total net assets in unlisted securities, possibly deriving from so-called developing (emerging) countries. This can involve specific risks of which investors should be aware, among which risks related to political and economic stability, currency exchange rates as well as applicable foreign taxes and accounting standards.

The contents of the ING Investment Management website are based upon sources of information believed to be reliable. However:

no guarantee, warranty or representation, express or implied, is given as to the accuracy or completeness of such information; and

no officers, directors or employees employed within ING Investment Management, or any company on behalf of which the aforementioned persons provide any services, accept any liability or responsibility in respect of the information expressed herein which, moreover, is subject to change without notice.

The funds and services may not be suitable for all investors and offering them may not be allowed by local law or regulations. Investors should take advice from their own independent or professional advisors before making an investment decision and should be aware of local laws governing investments. None of the funds is registered under the Securities Act 1933 of the USA nor under the Investment Company Act of 1940. The details on these funds as shown are not an offer for sale or to be sold in the USA, its territories, possessions or protectorates under its jurisdiction, nor to nationals, citizens or residents in any of those areas

ING Investment Management (Luxembourg) is a commercial name covering the asset management activities of ING Bank (Luxembourg) S.A. and Crédit Européen Luxembourg S.A. ING Investment Management is a business unit of ING Group responsible for managing the assets of ING Group's insurance companies, the investment funds and investment companies sold by these insurance companies and by ING Group's banking division, as well as the assets of institutional clients.

INGFONDY.CZ SECURITY

ING provides the following general information to answer any concerns that you may have around the security of online transactions. More specific information should be available from your bank.

ING makes every effort to provide optimal security of your data and of all transactions; for us protecting our clients is just good business. However hard we work there are risks online, and you can take some action to protect yourself. Here we provide some information to help you.

1. Latest key security issues 
2. ING’s standard practices 
3. Protecting Yourself 
4. Contact Information

Latest Key Security Issues
From time to time we will provide information on security related news items that we feel you should be aware of. These security updates will be presented on this page.

Phishing
A phishing attack is an online fraud technique which involves sending official-looking email messages with return addresses, links and branding that all appear to come from legitimate banks, retailers, credit card companies, etc. Such emails typically contain a hyperlink to a spoof website and mislead account holders to enter customer names and security details on the pretence that security details must be updated or changed. Once you give them your information it can be used on legitimate sites to take your money.
It is important that you are suspicious of emails asking for your information; see more on ING’s standard email practices below.

Imitation of ING websites
ING monitors the internet to find imitation websites which are often the first step made by phishers. We then work with the appropriate international authority to get the websites closed down as quickly as possible – sometimes on the same day we find the website.

Advanced Fee Fraud
You may already have heard of ‘advance fee fraud’, where emails offering large sums of money are sent to thousands of email addresses, but a modest ‘fee’ was required in order to cover legal fees, open an account or pay customs charges. Sometimes the money offered is as a result of a lottery for which you have never bought a ticket. Sometimes the money is held in an account overseas but the account owner cannot access it, they promise a percentage of the money in return for your help. In both cases various fees have to be paid.
Do not respond to these emails. They are part of a fraud and you will not receive any of the promised money.
We place this warning here because we are aware that the criminals carrying out these frauds do on occasion use the name of ING or an ING subsidiary as part of this scam.

ING’s standard practices
ING may communicate with clients by mail on occasion, so how can you tell which mails are from us, and which are fraudulent?

• ING will address you by name in any emails. 
• ING will not embed hyperlinks in emails that take you to sites where you must enter your security information. 
• ING will never ask for you to confirm your details by email 
• ING will use state-of-the-art encryption and authentication mechanisms to secure the transactions; these will vary by bank so check with your bank about the processes used.
If clients have any doubt about any email they have received purporting to be from ING they should contact their bank.
If customers have any doubts about a website they should contact their bank.

Protect Yourself

Take care of your personal information
Your account numbers, customer Number, PIN, memorable date and customer identification number are the keys to your account. Never write them down, give them to anyone else or include them in an e-mail. Remember that protecting your Customer Number, PIN and security details is your responsibility.

Take care of your computer
• Update your computer by installing the latest software and patches, to prevent hackers or viruses exploiting any known weaknesses in your computer
• Install and update virus protection, to protect against viruses corrupting your computer and to prevent hackers installing Trojan viruses on your computer
• Install and update anti-spyware tools.
• Install and update personal firewalls
• Use only programmes from a known, trusted supplier.
Beware of Spam Emails
• Use a spam filter to avoid even seeing these messages
• Never respond to a spam message, your email address is then recorded as live and the spam will increase.
• Should you read a spam message remember: if it sounds too good to be true, it probably is too good to be true.

More info
• The US Federal Trade Commission provides information here on how to avoid phishing scams 
• The Anti-Phishing Working Group provides statistics on phishing attacks and advice for individuals and companies. 
• For more information please contact your own bank.

Explanation of terms

1. Phishing
- It is often translated into the Czech language as "rhybhaření" 
- It is a fraud E-mail message, trustworthy at first sight, whose objective is to fraudulently elicit information on accounts, credit card numbers or similar information, which can be easily misused. (From the English word fishing, phreaking, which is a relatively new, slang expression describing a theft of a telephone service (wiretapping of a service, telephone call at the expense of somebody else or a telecommunication company). Phishing is a theft of sensitive information, e.g. data on a credit card or theft of user name and password to some service. The most typical current phishing is a false E-mail looking like it was sent from your bank where the bank asks for verification of identity. After clicking on the link the user is led to a false site (however, it looks like it is all right) where he enters his data and consequently looses money.
 
2. SSL certifikát
Shortly said, SSL certificate is the identification card of the server comprising an encrypting key, by which data are safely protected against irregular practices during the transmission through the Internet. By this certificate the server proves safe (coded) communication at the start. The certificate includes among other things:
1. Information on its time validity
2. Digital description of the certificating authority, which issued this certificate
3. Information, which server can prove itself by this certificate.
SSL means Secure Sockets Layer and is a coding protocol/layer proposed by the firm Netscape, which runs between the transportation and application layers, above TCP/IP layer and under the protocols HTTP,FTP and the like and provides security of communication with the help of coding and authorisation proves of the communicating parties. SSL is a protocol for safe transmission of data via the Internet, which makes it impossible thanks to the coding that data from your card is read by somebody else on the way – you will recognise it according to the added "s" in https://... or "locked padlock" in the browser.

3. HTTP
HyperText Transport Protocol, which is used for communication between the browser and the web server. It enables to transmit html sites from www to the user. It is probably the most common protocol at the Internet, which serves to display Internet sites, in many cases it is replaced by the coded variant HTTPS, which is safer.

4. HTTPS
It is a coded variant of HTTP protocol, which is coded through SSL. Port 443 is implicit for this protocol.