M.Z. Investment Services Limited  shall avoid Conflicts of Interests where this is possible. MZ Investments conducts its business according to the principle that it must manage conflicts of interest fairly, both between itself and its clients and between one client and another.

MZ Investments, any connected entity, its directors and employees shall avoid placing themselves in a position whereby a conflict of interest with a client may arise. Directors and all officers of the Company are bound to inform the Compliance Officer if they feel a situation may give rise to a conflict of interest.

MZ Investments, its directors and employees shall avoid placing themselves in a situation where a conflict of interest arises. However, it is understood that MZ Investments or any director, officer or employee thereof may have an interest, relationship or arrangement that is material in relation to any trade effected on behalf of clients.  MZ Investments declares that it has in place adequate internal procedures to ensure that clients are treated fairly in all cases and that risks of damage to client interests will be prevented.

The Company, its directors and employees and any associated entities  may:

• trade as principal for the account of MZ Investments or any connected entity by selling or buying Instruments; or

• have or hold a dealing position in the investment concerned or a related investment; or

• receive payments or any other benefits for giving business to the form with which the clients’ order is placed; or

• buy or sell units in a collective investment scheme on behalf of the client when MZ Investments, any entity within MZ Investments, any director, or employee thereof is the promoter, manager or advisor of the scheme (or a director, officer or employee of the promoter, manager, adviser or the scheme); or

• trade or effect any transaction whatsoever in instruments on behalf of the client when MZ Investments or any entity within MZ Investments is involved in a new issue, rights issue, takeover or similar transaction concerning the said Instruments.

MZ Investments commits to disclose any other conflicts of interest which may arise with regards to products promoted by MZ Investments or the services provided by its related companies. In the provision of its services, MZ Investments will seek to ensure that it always acts in the client’s best interests.

M.Z. Investment Services Limited shall execute orders in accordance with its  Order Execution Policy to obtain the best possible results or “Best Execution” when executing orders for the client. The best possible results consider:

• price
• costs
• speed
• likelihood of execution and settlement
• size and nature of the order
• market impact
• any other consideration directly related to the execution of the order or the transaction.

Execution Venues:

Client orders must be executed fairly and promptly and in accordance with the time of their reception.

All orders relative to instruments of the same characteristics must be carried out sequentially, in the order that they were received by MZ Investments. Clients’ Money or Clients Instruments, if these are available, must be promptly and correctly delivered in settlement as promptly as possible. On sales/redemption of instruments, Clients Money must be made available to the client as promptly as possible, depending on the day of settlement of the trade.

Client orders can only be aggregated if the client is not disadvantaged, in any way, by the aggregation.

For the purpose of executing orders on behalf of the client in accordance with the mandate, MZ Investments is empowered to affect any trade or transaction in its own name on behalf of the client and unless MZ Investments shall be in receipt of cleared funds by settlement date MZ Investments shall not be required to transfer any instruments in the name and for the benefit of the client.

Due to circumstances beyond control, MZ Investments may execute orders in a method that differs from this policy but commits to execute orders on the best terms available to the company at the time, acting for the best interest of the clients.

MZ Investments shall review its Best Execution Policy  on a regular basis and will keep its clients updated of any material changes.

Execution of Client’s Order:

Client orders must be executed fairly and promptly and in accordance with the time of their reception. 

All orders relative to instruments of the same characteristics must be carried out sequentially, in the order that they were received by the MZI. Clients’ Money or Clients Instruments, if these are available, must be promptly and correctly delivered in settlement as promptly as possible. On sales/redemption of instruments, Clients Money must be made available to the client as promptly as possible, dependent on the day of settlement of the trade.

Client orders can only be aggregated if the client is not disadvantaged, in any way, by the aggregation. 

For the purpose of executing orders on behalf of the Client in accordance with Terms of Business, the company is empowered to affect any trade or transaction in its own name and on its own behalf and that unless the Company shall be in receipt of cleared funds by settlement date the company shall not be required to transfer any instruments in the name and for the benefit of the Client.

Due to circumstances beyond control, MZI may execute orders in a method that differs from this policy but commits to execute orders on the best terms available to the company at the time, acting for the best interest of the clients. 

MZI shall review this policy on a regular basis and keep clients updated of any material changes.

M.Z. Investment Services Limited is committed to conducting business in an ethical and honest manner and is committed to implementing and enforcing systems that ensure all forms of bribery and corruption are prevented.  The Company has zero tolerance for bribery and corrupt activities. 

The  Anti-Bribery and Corruption Policy provides information on the anti-bribery and corruption procedures adopted by MZ Investments and requires that the Board of Directors and all employees including temporary or contract employees and associated persons such as contractors and tied agents comply with the principles of the policy in the performance of their duties for or on behalf of MZ Investments.

The Company is committed to applying high standards of honesty and integrity consistently across all its operations and in all its business dealings and relationships.  Any activity carried out by the Company, its directors and employees shall not induce or be perceived as improper action to obtain or retain a business advantage.  The main elements of the Company’s Anti-Bribery and Corruption policy require that all activities are conducted without the intent to bribe or corrupt, and must be reasonable, transparent and appropriate.

M.Z. Investment Services Limited respects and values your privacy.  This Privacy Policy Notice outlines the information we collect, how we use it and the choice your have regarding your personal data.  By accessing or using www.mzinvestments.com you agree to the terms of this Privacy Policy Notice.

Information Collection

MZ Investments may collect certain personally identifiable information (PII) when you interact with www.mzinvestments.com via the contact form.  This information may include you name, email address, phone number and other relevant details.  MZ Investments may also collect non-personally identifiable information such as your IP address and browsing behaviour.

Use of Information

MZ Investments  use the collected information to your provide you with the requested services, personalize your experience on www.mzinvestments.com, improve the website, communicate with your and fulfil legal obligations.  MZ Investments may also use aggregated and anonymised data for statistical analysis, research and marketing purposes.

Information Sharing 

MZ Investments  may share your personal information with trusted third-party service providers who assist the Company in operating its website and delivering services to you.   These providers are obliged to handle your data securely and confidentially.  MZ Investments does not sell, rent or trade your personal information to third parties for marketing purposes without your explicit consent.

Cookies and Tracking Technologies

mzinvestments.com uses cookies and similar tracking technologies to enhance your browsing experience, analyse trends, and gather demographic information. You can manage your preferences for cookies through your browser settings.

Security Measures

MZ Investments takes reasonable precautions to protect your personal information from unauthorised access, disclosure, alteration, or destructions.  However, please note that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Third-Party Links

mzinvestments.com contain links to third-party sites for your convenience.  MZ Investments is not responsible for the privacy practices or the content of such websites.  MZ Investments encourages you to review the privacy policies of those third parties before providing any personal information.

Changes to this Privacy Policy Notice

MZ Investments reserves the right to modify this Privacy Policy Notes at any time.  Any changes will be effective upon posting the revised version on www.mzinvestments.com. MZ Investments encourages you to review this notice periodically for any updates.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy Notice or our privacy practices, please contact us at info@mzinvestments.com or by post as follows:

The Compliance Officer

MZ Investments

63 MZ House

St Rita Street

Rabat RBT 1523

This Privacy Policy Notice was last updated on the 4^th December 2024.