Privacy Policy

1. Introduction

Ledger & Peak Financial Consulting ("we", "us", "our") is committed to protecting the privacy and security of your personal data. This Privacy Policy explains how we collect, use, store and protect information when you visit our website, use our digital tools, or engage our financial consulting services.

We observe the provisions of applicable Swiss data protection legislation, including the Federal Act on Data Protection (FADP), and, where relevant to clients in the European Economic Area, the General Data Protection Regulation (GDPR).

2. Data We Collect

Depending on how you interact with us, we may collect the following categories of data:

• Personal identification details such as name, date of birth, address and contact information
• Financial information such as account details, income range, and investment objectives provided during consultations
• Technical data such as IP address, browser type, device identifiers and pages visited on our website
• Communication records, including messages sent through our contact form, email or phone
• Location data, only where you explicitly enable it on a device used to access our digital services

3. How We Use Your Data

We use the data we collect to:

• Provide, maintain and improve our financial consulting services
• Respond to consultation requests and manage client relationships
• Comply with legal and regulatory obligations applicable to financial service providers in Switzerland
• Detect, prevent and investigate fraud or unauthorised account access
• Send service-related communications and, where you have opted in, marketing updates

4. Legal Basis for Processing

We process personal data on the basis of your consent, the necessity to perform a contract or pre-contractual consultation with you, compliance with legal obligations, and our legitimate interest in operating and securing our services.

5. Sharing & Disclosure

We do not sell personal data, and we do not share personal data with third parties for their own marketing purposes. We may share limited data with:

• Regulated sub-processors who support our IT infrastructure, strictly under contractual confidentiality obligations
• Swiss financial authorities or courts, where required by law
• Professional advisors such as auditors, where necessary for compliance

6. Data Security

Your data is protected using modern, multi-stage encryption and identification processes. We apply technical and organizational measures designed to protect against unauthorized access, manipulation, loss or disclosure of data. Data is encrypted in transit, and access to sensitive systems is restricted to authorized personnel only.

7. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes outlined in this policy, or as required by Swiss financial recordkeeping regulations, after which it is securely deleted or anonymized.

8. Your Rights

Subject to applicable law, you have the right to:

• Request access to the personal data we hold about you
• Request correction of inaccurate or incomplete data
• Request deletion of your personal data, where applicable
• Object to or restrict certain types of processing
• Withdraw consent at any time where processing is based on consent

To exercise any of these rights, please contact us using the details in section 12 below.

9. Cookies

Our website uses cookies and similar technologies to operate core functionality, remember preferences, and understand site usage. For full details on the types of cookies we use and how to manage them, please see our Cookie Policy.

10. International Data Transfers

Where personal data is transferred outside Switzerland or the European Economic Area, we ensure an adequate level of protection through approved safeguards such as standard contractual clauses.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Last updated" date at the top of this page indicates when the policy was last revised.

12. Contact Us

If you have questions about this Privacy Policy or how we handle your personal data, please contact us at: