General Terms and Conditions (GTC)
Peter Consulting, Sole Proprietorship, Rheinfelden.
Status: 20.08.2025
Peter Consulting, Sole Proprietorship, Rheinfelden.
Status: 20.08.2025
1. Scope and Parties
1. Scope and Parties
1.1 These GTC govern the legal relationship between Peter Consulting (hereinafter "Provider") and its clients (hereinafter "Client"), concerning financial services within the meaning of the Financial Services Act (FIDLEG), in particular investment advice and asset management, as well as related services.
1.1 These GTC govern the legal relationship between Peter Consulting (hereinafter "Provider") and its clients (hereinafter "Client"), concerning financial services within the meaning of the Financial Services Act (FIDLEG), in particular investment advice and asset management, as well as related services.
1.2 Deviating conditions of the client apply only if expressly acknowledged in writing by the Provider. Individual agreements (e.g. asset management agreement, consulting agreement) take precedence over these GTC.
1.2 Deviating conditions of the client apply only if expressly acknowledged in writing by the Provider. Individual agreements (e.g. asset management agreement, consulting agreement) take precedence over these GTC.
2. Regulation, Licensing and Supervision
2. Regulation, Licensing and Supervision
2.1 Licensing status: The Provider offers investment advice only, without a license requirement; its advisors are registered in the advisor register pursuant to FIDLEG.
2.1 Licensing status: The Provider offers investment advice only, without a license requirement; its advisors are registered in the advisor register pursuant to FIDLEG.
2.2 Ombudsman: The Provider is affiliated with the ombuds office [Name/Address/Website]. See section 19 for the complaints procedure.
2.2 Ombudsman: The Provider is affiliated with the ombuds office [Name/Address/Website]. See section 19 for the complaints procedure.
2.3 Self-regulation: The Provider observes the relevant professional and conduct rules [e.g. VSV/ASG, SAQ, SFAMA/AMAS], where applicable.
2.3 Self-regulation: The Provider observes the relevant professional and conduct rules [e.g. VSV/ASG, SAQ, SFAMA/AMAS], where applicable.
3. Scope of Services
3. Scope of Services
3.1 Investment advice: Situation-specific or ongoing recommendations regarding financial instruments. The final investment decision is made by the client.
3.1 Investment advice: Situation-specific or ongoing recommendations regarding financial instruments. The final investment decision is made by the client.
3.2 Additional services: Financial planning, consolidation/reporting services, estate and retirement planning, selection/monitoring of custodian banks, "best execution" monitoring, [other services].
3.2 Additional services: Financial planning, consolidation/reporting services, estate and retirement planning, selection/monitoring of custodian banks, "best execution" monitoring, [other services].
3.3 The specific scope of services is defined by the individual contract, the investment guidelines, and these GTC.
3.3 The specific scope of services is defined by the individual contract, the investment guidelines, and these GTC.
4. Client segmentation and suitability/appropriateness (FIDLEG)
4. Client segmentation and suitability/appropriateness (FIDLEG)
4.1 The Provider classifies clients as retail, professional, or institutional clients according to FIDLEG. The client is informed in writing of their segment. Opt-in/opt-out is possible within the legal framework.
4.1 The Provider classifies clients as retail, professional, or institutional clients according to FIDLEG. The client is informed in writing of their segment. Opt-in/opt-out is possible within the legal framework.
4.2 In investment advice, the Provider checks suitability/appropriateness in accordance with legal requirements, based on information provided by the client (knowledge/experience, financial situation, investment objectives, risk capacity/willingness).
4.2 In investment advice, the Provider checks suitability/appropriateness in accordance with legal requirements, based on information provided by the client (knowledge/experience, financial situation, investment objectives, risk capacity/willingness).
4.3 In asset management, a suitability assessment is carried out; the client undertakes to provide required information truthfully and keep it up to date (see section 9).
4.3 In asset management, a suitability assessment is carried out; the client undertakes to provide required information truthfully and keep it up to date (see section 9).
5. Risks, information and documentation
5. Risks, information and documentation
5.1 Investment transactions involve risks up to total loss ... key information documents (BIB/KID), prospectuses and factsheets as required.
5.1 Investment transactions involve risks up to total loss ... key information documents (BIB/KID), prospectuses and factsheets as required.
5.2 The provider documents services rendered ... in accordance with FIDLEG and provides reports to the client on request.
5.2 The provider documents services rendered ... in accordance with FIDLEG and provides reports to the client on request.
6. No performance or tax/legal guarantee
6. No performance or tax/legal guarantee
6.1 Past performance is not an indicator of future results; a target return is not guaranteed.
6.1 Past performance is not an indicator of future results; a target return is not guaranteed.
6.2 Tax and legal aspects are provided on a non-binding basis ... the client is responsible for obtaining binding tax/legal advice.
6.2 Tax and legal aspects are provided on a non-binding basis ... the client is responsible for obtaining binding tax/legal advice.
7. Execution, Custodian Bank and Powers of Attorney
7. Execution, Custodian Bank and Powers of Attorney
7.1 Transactions are carried out through the custodian bank designated by the client.
7.1 Transactions are carried out through the custodian bank designated by the client.
7.2 The client grants the provider the powers of attorney required for execution.
7.2 The client grants the provider the powers of attorney required for execution.
7.3 The provider ensures best execution in compliance with legal requirements.
7.3 The provider ensures best execution in compliance with legal requirements.
8. Remuneration, Fees and Third-Party Compensation
8. Remuneration, Fees and Third-Party Compensation
Fees: Exclusively advisory fee.
Fees: Exclusively advisory fee.
Expenses: External costs (custodian bank, stock exchange fees, taxes, charges, foreign exchange markups) are passed on to the customer.
Expenses: External costs (custodian bank, stock exchange fees, taxes, charges, foreign exchange markups) are passed on to the customer.
Third-party compensation: The provider may not receive any benefits (retrocessions, distribution compensations, portfolio commissions) from third parties.
Third-party compensation: The provider may not receive any benefits (retrocessions, distribution compensations, portfolio commissions) from third parties.
In person or digital
Secure a free initial consultation
Let us analyze your financial situation together and develop a clear strategy.
In person or digital
Secure a free initial consultation
Let us analyze your financial situation together and develop a clear strategy.
In person or digital
Secure a free initial consultation
Let us analyze your financial situation together and develop a clear strategy.
© 2025 Peter Beratungen
© 2025 Peter Beratungen
© 2025 Peter Beratungen