Terms and Conditions
1. Introduction
Welcome to PropInvestNow! These Terms and Conditions govern the use of our services, programs, and offerings in the field of Swiss real estate investment services and portfolio management. By engaging our investment services or entering into a client relationship, you agree to these terms and commit to fully complying with them under Swiss law.
2. Service Eligibility
2.1. Client Status – Our investment services are designed for qualified investors, property owners, and real estate investment entities in Switzerland seeking specialized portfolio management and investment support. When engaging our services, we request information about your investment goals, portfolio requirements, and specific investment needs to ensure appropriate service provision under Swiss financial law.
2.2. Representation – Participation in our investment management services requires prior consultation and formal engagement agreement by PropInvestNow. You are obligated to provide accurate and current information regarding your investment matters in accordance with Swiss financial standards.
2.3. Professional Guidelines – We expect professional conduct and compliance with all Swiss financial and regulatory requirements. Any form of misrepresentation, fraudulent activity, or unethical behavior may result in termination of investment services.
2.4. Confidentiality – Clients commit to maintaining confidentiality regarding sensitive investment matters and information shared during the course of our professional relationship under Swiss financial privacy rules.
3. Service Engagement and Payment
3.1. Service Engagement – Investment service agreements can be made via our website, by phone, or in person at our Swiss offices and are binding after our written confirmation and signed management agreement.
3.2. Payment Terms – Investment service fees are due within 14 days of invoicing and are payable in CHF. We accept bank transfers through Swiss banking institutions, major credit cards, and certified payments.
3.3. Corporate Engagements – For investment services engaged by Swiss real estate investment firms for their portfolios, separate payment terms may be agreed, which are specified in the respective investment service agreement.
3.4. Cancellation Policy – For cancellations up to 14 days before scheduled investment services, 25% of the management fee will be retained; for cancellations up to 7 days before, 50%. For later cancellations, the full management fee will be charged subject to work completed, in accordance with Swiss financial practice standards.
4. Service Design and Changes
4.1. Investment Service Planning and Implementation –
- PropInvestNow reserves the right to modify service offerings, schedules, and assigned investment advisors across our Swiss offices.
- In case of scheduling conflicts or investment priorities, services may be rescheduled or reassigned within our Swiss investment network.
- Service changes will be communicated to clients as early as possible.
4.2. Investment Documents – All investment documents, analysis templates, and professional resources are the intellectual property of PropInvestNow or our Swiss investment partners. The materials may not be reproduced, distributed, or used for commercial purposes without written permission under Swiss intellectual property law.
5. Specialized Services
5.1. Registration – For our Elite Portfolio and specialized Swiss real estate investment services, separate engagement conditions apply, which are communicated before service commencement and are binding under Swiss contract law.
5.2. Cancellation Conditions – Cancellations for these comprehensive investment service packages must be made at least 21 days in advance to receive a partial refund. For later cancellations, 75% of the management fee will be retained in accordance with Swiss financial practice standards.
5.3. Client Selection – For certain specialized investment services, we reserve the right to select clients based on criteria such as portfolio size, investment goals, and management capacity to ensure optimal investment outcomes within the Swiss financial framework.
6. Disclaimer and Warranty
6.1. Liability – PropInvestNow is only liable in cases of professional negligence or misconduct on the part of our investment team under Swiss professional liability standards. We assume no liability for the investment decisions made by clients based on our investment advice.
6.2. Professional Responsibility – Clients are responsible for the implementation of investment advice and compliance with regulatory requirements in their investment activities. The application of investment counsel is at their own discretion and takes into account their specific investment circumstances and risk tolerance under Swiss law.
7. Facilities and Property
7.1. Use of Facilities – Office facilities and equipment at our Swiss locations must be treated with care and respect. Clients are liable for any willful damage to our investment offices or equipment in Kilchberg, Geneva, or Basel.
7.2. Valuables – We assume no liability for personal items and valuables left in our Swiss investment facilities. Secure storage options are available for sensitive documents at all our Swiss offices.
8. Data Privacy
8.1. Data Processing – The processing of personal and investment data is in accordance with our separate Privacy Policy and client confidentiality requirements under Swiss data protection law, which are considered essential parts of these Terms and Conditions and should be read carefully.
8.2. Photo and Video Material – At selected investment events and professional seminars, photo and video material may be created for documentation and marketing purposes. Clients can object to the use of their image at any time in accordance with Swiss privacy rights.
9. Refund Policy
9.1. Service Satisfaction – PropInvestNow is committed to providing exceptional investment management and professional services under Swiss financial standards. If you are not satisfied with our investment services or management quality, please contact us within 7 days of service completion to discuss your concerns. We will work with you to address any issues and may offer appropriate compensation, such as partial refunds or additional investment consultation at no cost.
9.2. Service Cancellation by PropInvestNow – In the event that we must cancel or withdraw from investment management due to conflicts of interest or professional obligations under Swiss financial ethics, we will provide a full refund of unused management fees or assist in transitioning management to qualified Swiss investment advisors. We will make every effort to notify you of any management changes as early as possible.
9.3. Refund Processing – All approved refunds will be processed within 14 business days and returned to the original payment method in CHF. Refunds are subject to our cancellation policy terms outlined in section 3.4 and may be prorated based on investment services already provided and work completed.
9.4. Exceptional Circumstances – In cases of force majeure, changes in Swiss law affecting service delivery, or other exceptional circumstances beyond our control, refunds will be handled on a case-by-case basis in accordance with Swiss commercial law and professional financial standards.
9.5. Dispute Resolution – Any disputes regarding refunds will be resolved through mediation under Swiss law before potential litigation. Clients have the right to lodge complaints with the Swiss Financial Market Supervisory Authority (FINMA) regarding professional conduct matters.
10. Final Provisions
10.1. Severability Clause – Should individual provisions of these Terms and Conditions be or become invalid under Swiss law, the validity of the remaining provisions remains unaffected.
10.2. Applicable Law – These Terms and Conditions are subject to Swiss law and the regulations of the Swiss Financial Market Supervisory Authority. The place of jurisdiction for all disputes is Kilchberg, Switzerland, to the extent legally permissible under Swiss civil procedure law.
10.3. Language – These Terms and Conditions are provided in English for international clients. In case of legal disputes, the German version shall prevail as required by Swiss legal procedure.
10.4. Updates – PropInvestNow reserves the right to update these Terms and Conditions as required by changes in Swiss law or professional regulations. Clients will be notified of significant changes via email or through notices posted at our Swiss offices.