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Swissuniontrust Terms

SWISSUNIONTRUST BANK — WEBSITE TERMS & CONDITIONS

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE

The Basics

1. What’s in these terms?

These Terms and Conditions explain the rules and conditions for using the SwissUnionTrust Bank website (“our site”). By accessing or using this website, you agree to comply with these terms.

2. Who we are and how to contact us

This website is operated by SwissUnionTrust Bank (“we”, “us”, or “our”).

SwissUnionTrust Bank provides digital banking and financial services through its online platform.

If you need assistance or wish to contact us, you may reach our customer support team through the official support channels available on our website.

Use of the Website

3. By using our site you accept these terms

By using our website, you confirm that you accept these Terms and Conditions and agree to comply with them.

If you do not agree with these terms, you must not use this website.

We recommend that you print or save a copy of these terms for future reference.

4. Other terms that may apply

These Terms of Use also refer to additional policies that apply when using our site:

  • Privacy Policy — explains how we collect and process personal data.

  • Cookie Policy — explains how cookies and tracking technologies are used.

By using our website, you consent to the processing of your data in accordance with these policies and confirm that all information you provide is accurate.

5. Changes to these terms

We may update or modify these Terms and Conditions from time to time. Please review them regularly to ensure you understand the terms that apply when you use our site.

6. Changes to our website

We may update or modify our website periodically to reflect improvements, operational changes, or service updates.

We do not guarantee that the website or its content will always be available or uninterrupted. We may suspend, withdraw, or restrict access to all or part of the website for operational or business reasons.

Access to our website is provided free of charge.

You are responsible for ensuring that anyone accessing our website through your internet connection complies with these terms.

Your Responsibilities

7. Keeping your account secure

If you are provided with login credentials, passwords, or security information, you must treat them as confidential and must not share them with any third party.

We reserve the right to disable access credentials if we reasonably believe these terms have been violated.

If you suspect unauthorized access to your account, you must immediately contact customer support.

8. Use of website materials

All intellectual property rights in this website and its content belong to SwissUnionTrust Bank or its licensors and are protected by copyright and international intellectual property laws.

You may:

  • Print or download extracts for personal use only.

You must not:

  • Modify materials,

  • Use images, videos, or graphics separately from accompanying text,

  • Use website content for commercial purposes without written permission.

Unauthorized use may result in termination of your right to use the website.

9. Information on this site

The content on this website is provided for general informational purposes only and does not constitute financial, legal, or investment advice.

You should obtain professional advice before making financial decisions.

While we aim to keep information accurate and updated, we make no guarantees regarding completeness or accuracy.

10. Third-party links

Our website may include links to third-party websites for informational purposes only. We do not control or endorse the content of those websites and accept no responsibility for them.

11. User-generated content

Where users upload or share content on our platform:

  • Such content is not verified or endorsed by SwissUnionTrust Bank.

  • Opinions expressed by users do not represent our views.

We reserve the right to remove content that violates these terms.

Our Responsibilities

12. Liability

Nothing in these terms excludes liability where it would be unlawful to do so.

To the fullest extent permitted by law, SwissUnionTrust Bank shall not be liable for:

  • Loss of profits, revenue, or business opportunities

  • Business interruption

  • Indirect or consequential damages

  • Loss resulting from reliance on website content

The website is provided for personal and informational use.

13. Uploading content

If you upload content to our site:

  • You confirm it complies with applicable laws and these terms.

  • You grant us a limited licence to use, store, and display that content.

  • You remain responsible for securing and backing up your data.

We may remove content that violates our standards.

14. Security and prohibited activities

We do not guarantee the website will always be secure or free from bugs or viruses.

You must not:

  • Introduce malicious software or harmful material,

  • Attempt unauthorized access,

  • Attack the website or its servers.

Any violation may result in termination of access and reporting to relevant authorities.

15. Linking to our website

You may link to our homepage provided that:

  • The link is fair and lawful,

  • It does not damage our reputation,

  • It does not imply endorsement without permission.

We reserve the right to withdraw linking permission at any time.

Legal Information

16. Governing law

These Terms and Conditions shall be governed by and interpreted in accordance with applicable international financial and commercial laws. Any disputes shall be subject to the jurisdiction determined by SwissUnionTrust Bank in accordance with applicable regulations.

17. Trade marks

All trademarks, logos, and branding displayed on this website are the property of SwissUnionTrust Bank and may not be used without prior written consent.

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FOR DEPOSIT & CUSTODY SERVICES:
The value of assets held in custody is subject to market fluctuations and is not guaranteed. Interest rates, where applicable, are variable and determined by the specific mandate, currency, and prevailing market conditions. SwissUnionTrust AG does not guarantee any minimum return on cash balances. Fees, commissions, and taxes may apply. Full terms and conditions are available in your Client Agreement and the General Terms of Business.

²FOR INVESTMENT SERVICES:
Capital at risk.

SwissUnionTrust AG provides advisory and discretionary portfolio management services. It does not provide independent investment research or unsolicited personal recommendations unless explicitly agreed under a separate advisory mandate. You, as the client, remain responsible for making your own informed investment decisions, seeking independent professional advice where appropriate.

The value of investments and the income derived from them can go down as well as up. You may not recoup the value of your original investment and may lose the entirety of your invested capital. Past performance is not a reliable indicator of future results. Forecasts are not a reliable indicator of future performance. Currency exchange rate fluctuations may adversely affect the value of investments denominated in a currency different from your base currency.

Transaction fees, custody charges, and third-party costs apply in accordance with your selected mandate and the applicable fee schedule. Full details are available in our Tariff of Services and the Investment Management Agreement.

Further information regarding our investment services, including our conflicts of interest policy and best execution arrangements, is available upon request or via your Relationship Manager.

SwissUnionTrust AG (Company No. CHE-XXX.XXX.XXX) is a Swiss bank and securities firm authorised and regulated by the Swiss Financial Market Supervisory Authority (FINMA). The registered address of SwissUnionTrust AG is Platz 1, 8001 Zurich, Switzerland.

³FOR ALTERNATIVE INVESTMENTS & COMMODITIES:
Capital at risk.

Alternative investments, including private equity, hedge funds, real assets, and physical commodities, carry significant risks. These may include lack of liquidity, absence of regulated market infrastructure, higher volatility, and complex tax or legal structures. Such investments may not be suitable for all clients.

Services relating to physical commodities and certain alternative asset classes may be provided through affiliated or third-party specialist entities. Depending on the structure of the product or service, it may not be regulated by FINMA and may not benefit from depositor protection or Swiss bank insolvency privilege. Such positions are not covered by the Swiss Deposit Protection Scheme.

SwissUnionTrust AG (No. CHE-XXX.XXX.XXX) is authorised by FINMA to conduct banking, securities dealing, and asset management activities. Insurance-based investment products are arranged through SwissUnionTrust AG or its designated affiliates, where applicable.

If you would like further clarification regarding the specific legal entity providing your services, or if you have any other questions, please contact your dedicated Relationship Manager or reach out to us via the secure messaging center in SwissUnionTrust Direct.

Choose your level of stewardship

Foundational
For essential wealth management — everything you need for sophisticated banking, custody, and reporting in one secure platform.

Enhanced
For the active accumulator — access additional benefits like dedicated relationship management, enhanced lending solutions, and family advisory services.

Priority
For comprehensive stewardship — access exclusive investment opportunities, priority services, and holistic generational planning.

Legacy
For significant global wealth — enjoy bespoke structuring, a dedicated family office team, global concierge services, and full discretionary management.

Ultimate
For defining exceptional — receive ultimate discretion, institutional-level access, sovereign-grade security protocols, and a fully customised suite of services.

© SwissUnionTrust AG 2026

To understand the specific entity and regulatory framework governing your relationship, please refer to your Client Agreement and the applicable General Terms of Business. For any questions, please contact your Relationship Manager.

SwissUnionTrust AG is registered in Switzerland (Company No. CHE-XXX.XXX.XXX) and is authorised and regulated by the Swiss Financial Market Supervisory Authority (FINMA) as a bank and securities firm.

The registered address of SwissUnionTrust AG is Platz 1, 8001 Zurich, Switzerland. You may review our full terms, policies, and regulatory disclosures at www.swissuniontrust.ch/legal or request them directly from your Relationship Manager.

International Services:
Global Asset Transfers | Multi-Currency Wealth Accounts | Cross-Border Estate Planning | Trust & Foundation Structuring | Philanthropic Advisory | Succession Planning

SwissUnionTrust UK | SwissUnionTrust UAE (DIFC) | SwissUnionTrust Singapore | SwissUnionTrust Hong Kong | SwissUnionTrust Luxembourg