Terms and Conditions

1. Scope and Contractual Basis

Welcome to WealthSecureTop! These Terms and Conditions govern the legal relationship between our financial security education and wealth protection training company and our security clients. They are an essential part of every security education contract and apply to all types of security education, protection planning, and wealth management training services that we offer for individuals and businesses in Switzerland.

2. Security Relationship and Service Agreement

2.1. Contract Formation – A security education relationship is established through the explicit acceptance of a security assignment by WealthSecureTop. An initial inquiry or consultation does not yet establish a binding security relationship.
2.2. Client Cooperation – The client commits to providing all information and security documents relevant to their security matters completely and truthfully and to inform WealthSecureTop about all relevant developments regarding their security situation that could influence our services.
2.3. Service Scope – The specific security education obligation arises from the individual security education contract. Unless expressly agreed otherwise, the services do not include specialized services that require external providers.
2.4. Security Communication – The client agrees to communication via email, phone, and other electronic means, unless otherwise agreed in writing. WealthSecureTop ensures professional security communication according to Swiss advisory standards.

3. Fees and Security Billing

3.1. Fee Agreement – Unless otherwise agreed, fees are calculated based on the chosen security service package plus additional services and applicable taxes.
3.2. Service Deposit – WealthSecureTop is entitled to request an appropriate deposit for reserving and providing security education services. The initiation or continuation of services may be made dependent on payment of a deposit.
3.3. Invoicing – Invoicing is generally done annually or according to agreed payment plans for security services. Invoices are to be paid within 14 days of the invoice date without deduction.
3.4. Additional Security Expenses – In addition to regular security service fees, necessary expenses such as authority fees, procurement costs, external consultation costs, and business travel expenses may be billed separately.

4. Liability and Warranty

4.1. Liability Limitation for Security Services –

WealthSecureTop is liable for damages only in cases of intent and gross negligence in the provision of security services.
Liability for slight negligence is limited to an amount of CHF 750,000 per damage case.
This liability limitation does not apply to personal injury or in cases of mandatory legal liability.
4.2. Limitation Period – Claims for damages against WealthSecureTop expire within one year from the time when the client became aware of the circumstances giving rise to the claim or should have become aware without gross negligence.

5. Security Confidentiality and Discretion

5.1. Confidentiality – WealthSecureTop commits to strict confidentiality regarding all security information and financial data that become known during the security education relationship.
5.2. Reference Mention – The client agrees that WealthSecureTop may name them or their company as a reference, unless expressly agreed otherwise. This does not include specific details about the client's security matters or internal financial strategies.
5.3. Data Protection – The processing of personal and security-related data is carried out in accordance with our separate Privacy Policy, which is an essential part of these Terms and Conditions.

6. Termination of Security Relationship

6.1. Termination Right – The security relationship can be terminated by both the client and WealthSecureTop with a notice period of 30 days, unless otherwise stated in the security education contract. In case of significant changes in service requirements, a different notice period may be agreed.
6.2. Final Invoice – After termination of the security relationship, WealthSecureTop creates a final invoice for security services not yet billed and expenses. Advance payments will be credited according to our refund policy.

7. Refund Policy

WealthSecureTop commits to fair and transparent billing practices for all security services. Our refund policy considers circumstances under which prepaid services could not be used:

Initial Consultation Fee – For all security services, there is a non-refundable initial consultation fee of CHF 350 to cover preliminary security assessment and administrative setup.
Service Cancellation by Client – For security service cancellations where security work has already begun, a proportional refund based on the percentage of completed work minus administrative fees will be provided. For security assessment services, no refund is available once drafts have been presented to the client.
Temporary Service Interruption – Clients can pause certain ongoing security services for a period of up to 3 months without completely terminating the contract, provided this is communicated in writing at least 21 days in advance. Annual security service fees are reduced by 40% during this time.
Service Adjustments – Switching to a lower security service package may include an adjustment fee and requires a notice period of at least 45 days. Upgrades to more comprehensive security services can be made at any time without additional fees.
Service Interruptions – For security service interruptions caused by WealthSecureTop that last longer than 72 hours, clients are entitled to a proportional fee waiver for the downtime plus an additional credit of 15% of the annual service fee as compensation.
Force Majeure – For interruptions due to force majeure (natural disasters, pandemics, strikes, etc.), WealthSecureTop will endeavor to find alternative security solutions without being obligated to provide refunds.

All refund requests must be submitted in writing to billing@wealthsecuretop.com. Processing of refunds typically takes 7-10 business days from the date of the approved request.

8. Compliance and Security Ethics

8.1. Security Ethics – WealthSecureTop commits to compliance with all applicable regulations in the field of security education for individuals and businesses. The client agrees to cooperate in necessary review measures and provide required security information and documents, if applicable.
8.2. Conflicts of Interest – WealthSecureTop reserves the right to decline or terminate security relationships if conflicts of interest exist or arise during the security relationship that could impair the quality of our security services.

9. Legal Provisions

9.1. Applicable Law – The security relationship and all related claims are subject exclusively to Swiss law.
9.2. Jurisdiction – Jurisdiction for all disputes arising from or in connection with the security relationship is, to the extent legally permissible, Zurich, Switzerland.
9.3. Severability Clause – Should individual provisions of these Terms and Conditions be or become invalid, the validity of the remaining provisions remains unaffected. Invalid provisions will be replaced by those that come closest to the economic purpose.