Terms of Service
Please read these terms carefully before using our banking services.
Last updated: January 2024
Agreement to Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you and GuarantyInvestmentFinance Banking ("we," "us," or "our") regarding your use of our banking services, website, and mobile applications.
By opening an account or using our services, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with these Terms, you may not use our services.
Banking Services
Account Opening
- • You must be at least 18 years old to open an account
- • You must provide accurate and complete information
- • We reserve the right to verify your identity and financial status
- • Account approval is at our sole discretion
- • Minimum deposit requirements apply based on account type
Account Maintenance
- • You are responsible for maintaining account security
- • You must notify us immediately of any unauthorized transactions
- • Account statements are available monthly through our platform
- • Dormant accounts may be subject to maintenance fees
Transaction Limits
- • Daily and monthly transaction limits apply
- • Large transactions may require additional verification
- • International transfers are subject to regulatory requirements
- • We reserve the right to decline suspicious transactions
Fees and Charges
Our fee structure is transparent and competitive:
Account Fees
- • Monthly maintenance: $0-50
- • Wire transfers: $25-50
- • Currency exchange: 0.5-2%
- • ATM withdrawals: $5-10
Investment Fees
- • Management fee: 0.5-2% annually
- • Performance fee: 10-20%
- • Transaction costs: Variable
- • Advisory services: $200-500/hour
* Fees may vary based on account type and service level. Current fee schedule available upon request.
Privacy and Confidentiality
We are committed to maintaining the highest standards of confidentiality:
- • Swiss banking secrecy laws protect your information
- • We do not share client information without consent
- • All communications are encrypted and secure
- • Staff are bound by strict confidentiality agreements
- • Regular security audits ensure data protection
Investment Services
⚠️ Investment Risk Disclosure
All investments carry risk of loss. Past performance does not guarantee future results. You should carefully consider your investment objectives, risk tolerance, and financial situation before making investment decisions.
Investment Terms
- • Investment advice is provided for informational purposes only
- • You are responsible for your investment decisions
- • We may act as agent or principal in transactions
- • Market volatility may affect investment values
- • Liquidity restrictions may apply to certain investments
Liability and Disclaimers
Limitation of Liability
Our liability is limited to the extent permitted by law. We are not liable for:
- • Indirect, consequential, or punitive damages
- • System outages or technical failures beyond our control
- • Market losses or investment performance
- • Third-party actions or services
- • Force majeure events
Regulatory Compliance
We operate under strict regulatory oversight:
- • Licensed by Swiss Financial Market Supervisory Authority (FINMA)
- • Compliant with Anti-Money Laundering (AML) regulations
- • Subject to Know Your Customer (KYC) requirements
- • Adherent to Common Reporting Standard (CRS)
- • Regular regulatory audits and reporting
Client Obligations
As our client, you agree to:
- • Provide accurate and updated information
- • Comply with all applicable laws and regulations
- • Report any changes in tax status or residency
- • Cooperate with regulatory inquiries when required
Account Termination
Client Termination
- • 30-day written notice required
- • All outstanding fees must be paid
- • Account closure may take 30-60 days
- • Final statements will be provided
Bank Termination
- • We may close accounts with 30-day notice
- • Immediate closure for policy violations
- • Regulatory requirements may necessitate closure
- • Funds will be returned per instructions
Dispute Resolution
We are committed to resolving disputes fairly and efficiently:
Internal Resolution
Contact our customer service team to resolve issues informally.
Formal Complaint
Submit a written complaint to our compliance department.
Arbitration
Binding arbitration under Swiss law if internal resolution fails.
Governing Law
These Terms are governed by Swiss law. Any disputes will be subject to the exclusive jurisdiction of the courts of Zürich, Switzerland. If any provision of these Terms is found to be invalid, the remaining provisions will continue in full force and effect.
Contact Information
For questions about these Terms of Service, please contact us:
Legal Department
Email: legal@guarantyinvestmentfinance.com
Phone: +41 22 123 4567
Mailing Address
GuarantyInvestmentFinance Banking
Bahnhofstrasse 45
8001 Zürich, Switzerland
Terms Updates
We may update these Terms from time to time. Material changes will be communicated to you at least 30 days in advance. Your continued use of our services after such changes constitutes acceptance of the updated Terms.