These Terms and Conditions apply to all services provided by STELICON GmbH, Aufdorfstrasse 83a, 8708 Männedorf, Switzerland ("STELICON") to clients ("Client"), unless otherwise agreed in writing.

Individual agreements (mandate agreement, offer, service description) take precedence over these Terms and Conditions in the event of a conflict.

A contract is formed by:

• written acceptance of an offer / mandate agreement, or
• written engagement (e.g. by e-mail), or
• commencement of service delivery at the Client's request.

STELICON may decline requests/engagements without stating reasons (e.g. compliance, capacity, conflicts of interest).

STELICON provides in particular the following services (individually or in combination, depending on the mandate):

• Family office-style advisory & wealth coordination: Coordination of banks, advisors and service providers as a neutral party with a comprehensive overview.
• Structuring of family wealth: Support in developing clear structures (e.g. holding structures, foundations, trusts, life insurance and other structuring elements).
• Succession, generational planning & wealth transfer: Guidance in planning and coordinating orderly transitions.
• Trust/foundation-related matters: Support in establishment/further development and coordination of administration domestically and abroad.
• International investment and wealth matters: Analysis and coordination of cross-border investments/structures.
• Insurance: Review/optimisation of existing policies or coordination of new solutions.
• Real estate: Advisory/coordination regarding acquisition, sale and financing.

The specific scope of services, objectives, timeline and any deliverables are set out in the respective offer/mandate agreement.

No guarantee of success: STELICON is obliged to provide careful advisory/coordination, but does not guarantee any specific economic outcome or return.

No execution of transactions (unless expressly agreed): STELICON does not make investment decisions on behalf of the Client and does not execute bank/broker transactions in the Client's name, unless this is expressly agreed in a separate written contract (including power of attorney/provisions).

Market, interest rate, currency and other risks lie with the Client. Recommendations/analyses are based on the state of information at the time of preparation.

STELICON may engage third parties for the fulfilment of contracts (e.g. banks, asset managers, trustees, lawyers, tax advisors, insurance partners, notaries) where appropriate.

If third parties are engaged directly by the Client, the corresponding contractual relationships arise exclusively between the Client and those third parties. STELICON is not liable for the services/omissions of such third parties, unless STELICON has caused them through its own fault.

The Client shall provide STELICON with all information and documents necessary for the execution of the mandate in full, correctly and in a timely manner (e.g. asset overviews, contracts, policies, structural documents).

The Client shall inform STELICON without delay of any material changes (e.g. financial situation, objectives, risk profile, family situation, tax domicile).

Delays/additional costs arising from incomplete or delayed cooperation shall be borne by the Client.

Fees are agreed individually in the offer/mandate agreement.

Invoices are payable within 30 days of the invoice date.

In the event of late payment, STELICON may, after sending a reminder, charge default interest and reasonable reminder/collection costs, and may suspend services.

STELICON communicates by e-mail, telephone, video call or in writing, depending on the mandate.

The Client acknowledges that electronic communication may carry security risks (e.g. misdirection, third-party access), to the extent permitted by law.

STELICON treats all client-related information as confidential.

Exceptions apply where:

• the Client consents,
• disclosure is necessary for the fulfilment of the contract (e.g. to third parties engaged pursuant to clause 5), or
• statutory/regulatory obligations exist.

STELICON processes personal data in accordance with applicable data protection laws.

Details are governed by the Privacy Policy here.

Reports, analyses, concepts, presentations and other work results ("Documents") are – unless otherwise agreed – intended exclusively for the Client's internal use.

Disclosure to third parties is only permitted with prior written consent from STELICON, unless required for implementation within the mandate (e.g. forwarding to banks/advisors).

STELICON is liable – to the extent permitted by law – only for damages caused by intentional or grossly negligent conduct by STELICON.

STELICON is not liable for indirect damages, consequential damages, loss of profit, or for developments in financial markets, currencies or real estate markets.

STELICON is not liable for acts/omissions of third parties pursuant to clause 5, unless STELICON has caused them through its own fault.

Mandatory statutory liability provisions remain reserved.

The mandate commences as agreed and continues until completion or termination.

Either party may terminate an ongoing mandate with 30 days' notice to the end of a calendar month, unless otherwise agreed. A notice of termination submitted, for example, on 16 March will only take effect as of 30 April.

Services rendered up to the date of termination are due for payment.

Swiss law applies.

The place of jurisdiction is Meilen, Canton Zurich, subject to mandatory statutory provisions on jurisdiction.