Terms & Conditions

1. Acceptance of Terms

By accessing or using the Ledger & Peak Financial Consulting website or engaging our advisory services, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use our website or services.

2. Description of Services

We provide financial consulting services including, but not limited to, personal banking guidance, investment advisory, retirement planning, and digital payment support. Service availability may vary depending on your country of residence and applicable regulatory requirements.

3. Eligibility

Our services are intended for individuals who are at least 18 years of age and legally capable of entering into binding contracts. For regulatory reasons, onboarding for certain new products may be limited to clients domiciled in Switzerland; clients residing abroad may continue to access their existing relationship with us.

4. Acceptable Use

When using our website or services, you agree not to:

• Provide false, inaccurate or misleading information
• Attempt to gain unauthorized access to our systems or another user's account
• Use our services for unlawful purposes, including money laundering or fraud
• Interfere with the proper functioning of our website or digital tools

5. No Financial Guarantee

Any information, projections or recommendations provided through our website or by our advisors are for general guidance only and do not constitute a guarantee of financial outcomes. Investments carry risk, including the potential loss of principal, and past performance is not indicative of future results. You should consider your own circumstances and, where appropriate, seek independent advice before making financial decisions.

6. Intellectual Property

All content on this website, including text, graphics, logos and design elements, is the property of Ledger & Peak Financial Consulting or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute or create derivative works from this content without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by law, Ledger & Peak Financial Consulting shall not be liable for any indirect, incidental or consequential damages arising from your use of our website or services, including but not limited to loss of profits, data, or business opportunities.

8. Fees & Payment

Fees for our services are disclosed prior to engagement and confirmed during your consultation. Published indicative pricing on our website may vary by canton, service scope, and individual client circumstances. All applicable fees will be set out clearly in your service agreement.

9. Termination

You may discontinue use of our services at any time by notifying us in writing. We reserve the right to suspend or terminate access to our services if these Terms are violated, or where required by law or regulatory obligation.

10. Governing Law

These Terms & Conditions are governed by the laws of Switzerland. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the competent courts of Bern, Switzerland, unless mandatory consumer protection law provides otherwise.

11. Changes to These Terms

We may revise these Terms & Conditions from time to time. Continued use of our website or services after changes are published constitutes acceptance of the updated terms.

12. Contact Us

For questions regarding these Terms & Conditions, please contact us at: