Signature - Terms and Conditions
Terms and Conditions
These terms govern the use of the Signature Plan ("the Plan") offered by Alpian SA ("the Bank," "we"). These terms are supplementary to our General Terms and Conditions ("General T&Cs") and should be read in conjunction with them.
1. Eligibility & Downgrade
To qualify for and maintain the Plan, you must meet the eligibility criteria published in the Bank's App ("the App"). These criteria are based on factors such as your Assets Under Management (AUM) or recurring investments with us.
We reserve the right to modify these terms by providing you with notice within a reasonable period prior to the changes taking effect.
We will review your eligibility on a monthly basis. If you no longer qualify, we will notify you through one or more communication channels, such as in-app notifications or email. Your plan will thereafter be downgraded to our Standard Plan. You will be able to re-qualify at any time by meeting current criteria.
2. Plan Benefits
As a member, you get access to a range of benefits detailed in the App. These may include investment fee discounts, cashback on card spending, a complimentary premium debit card, and exclusive partner offers.
Benefits are subject to change or discontinuation. The Bank is not responsible for the offers or services provided by third-party partners.
3. Fees
The Plan does not entail a subscription fee as long as you remain eligible. Standard bank fees for transactions and other services still apply, as detailed in our official Fee Schedule. The Bank reserves the right to offer access to the Plan at a defined cost to clients who do not meet the eligibility criteria but wish to benefit from its features.
4. Changes & Cancellation
You can cancel your participation in the Plan at any time by contacting the Bank.
We reserve the right to terminate the entire Plan without notice, or your individual participation immediately for just cause (e.g., a breach of our General T&Cs).
5. Liability & Data Protection
Our liability is governed by our General T&Cs and Swiss law. To the extent permitted by law, we are not liable for losses arising from your negligence or for services provided by third-party partners.
We process your personal data in accordance with our Privacy Policy and the Swiss Federal Act on Data Protection (FADP). Your participation in the Plan constitutes acknowledgement that we will process your account data to confirm eligibility and provide benefits.
6. Governing Law & Jurisdiction
These terms are governed by Swiss law. The exclusive forum for any disputes is Geneva, Switzerland. Should any part of these terms be deemed invalid, the remainder remains in effect.
Metal Debit Card Terms
1. Overview
The Free Metal Card Offer (the “Offer”) provides eligible clients with a complimentary upgrade to a metal debit card, subject to the conditions outlined below. The card is issued free of charge and includes delivery fees. This Offer is valid for a single issuance per client and does not include renewals or replacements beyond the initial card.
2. Eligibility Criteria
To benefit from the Offer, clients must:
- Be eligible for the “Signature Plan” and have actively opted into it.
- The card may be ordered immediately upon opting in. However, clients must remain continuously eligible for the Signature Plan for at least three consecutive months following card issuance to retain the benefit.
3. Offer Details
- Eligible clients will receive a metal debit card at no cost, including shipping.
- Replacement cards due to loss, theft, or damage may be subject to standard fees.
4. Conditions and Limitations
- The Offer is valid as long as eligibility criteria are met at the time of card issuance.
- If you become ineligible for the Signature Plan within three months of receiving the card, Alpian reserves the right to retroactively charge the standard card issuance fee.
- After the three-month period, if you no longer meet the eligibility requirements, the metal card will remain active, but future replacements or upgrades may incur fees.
- The Offer does not include any additional benefits beyond the physical card itself.
5. General Conditions
- The Offer is subject to change or termination at Alpian’s discretion.
- The metal card is non-transferable and cannot be exchanged for cash or other benefits.
- In case of suspected misuse or misrepresentation, Alpian reserves the right to revoke eligibility immediately or charge applicable fees.
- By participating in the Offer, clients agree to these Terms and Conditions and those applicable to the Signature Plan.
Investment Fee Discount Terms
1. Overview
The Investment Fee Reduction Program (the “Program”) offers eligible clients a reduction in their standard investment management fees. The reduction is applied based on the client’s plan and account activity, as outlined below.
2. Eligibility Criteria
To participate in the Program, clients must:
- Be eligible for the “Signature Plan” and have actively opted into it.
- Have an active investment mandate.
3. Fee Reduction Details
- Eligible clients will benefit from a reduced investment management fee, with details communicated directly in the App.
- The reduced fee will apply to the entire invested amount under discretionary or advisory mandates, as applicable.
- The reduction is applied once you opt-in and will be reflected in the quarterly fee calculation. Implementation of the discount may require up to 15 calendar days from the date of opt-in.
4. Conditions and Limitations
- The fee reduction is valid as long as the above eligibility criteria are met.
- If you no longer meet the criteria, standard fees will apply.
- The Program does not apply to third-party product fees, Swiss Stamp Tax, stock exchange fees, transaction costs, or other charges not related to the management fee.
- Fees are debited at the end of each quarter, pro rata temporis, based on the average market value of the quarter.
5. General Conditions
- The Program is subject to change or termination at Alpian’s discretion.
- The fee reduction is non-transferable and cannot be exchanged for other benefits.
- In case of suspected misuse or misrepresentation, Alpian reserves the right to revoke eligibility immediately or retroactively apply standard fees.
- By participating in the Program, clients agree to these Terms and Conditions and those applicable to the Signature Plan.
Cashback Terms
1. Overview
The Cashback Program (the “Program”) rewards eligible clients with a cashback bonus based on qualifying debit card transactions. The cashback amount is calculated based on the total value of eligible purchases and is credited to the client’s cash account on a quarterly basis. Specific rates and conditions applicable to the Program are communicated within the App.
2. Eligibility Criteria
To participate in the Program, clients must:
- Be eligible for the “Signature Plan” and have actively opted into it.
3. Qualifying Transactions
To receive cashback, clients must meet the following transaction requirements:
- A minimum of CHF 1,000 in eligible card purchases per calendar quarter.
- Only merchant purchases made using the debit card qualify.
The following types of transactions are not eligible for cashback:
- ATM withdrawals and manual cash withdrawals
- Refunds, including Original Credit Transactions (OCT)
- Transactions with financial institutions (e.g., MCC 6012)
- Quasi-cash transactions such as (but not limited to):
- Money transfers, including account funding and peer-to-peer payments (e.g., TWINT, PayPal)
- Cash-like transactions, such as TWINT gift cards (e.g., MCC 6050, 6051)
- Transactions for stored value card purchase/load (e.g. MCC 6540)
- Wire transfers and money orders (e.g., MCC 4829)
- Investment-related transactions, including securities and cryptocurrencies (e.g., MCC 6211)
- Gambling and lottery-related transactions (e.g., MCC 7995, 7801, 9754, 7800, 7802)
- Adult entertainment (e.g. MCC 7273, 5967)
- Guns and ammunition shops (e.g. MCC 5723)
A blacklist of excluded merchants and categories will be maintained and made available to clients upon request. Transactions related to restricted industries, such as adult entertainment and weapons, are also excluded from the Program.
Alpian reserves the right to update the list of non-eligible transactions and to amend these Terms and Conditions. Where possible, we will provide reasonable notice of any significant changes.
4. Cashback Payment
- Cashback is calculated based on the total value of eligible transactions within each calendar quarter, converted to CHF using the rate at the clearing booking date.
- Payments will be credited to the client’s account within 30 days following the end of the quarter.
5. General Conditions
- The Program is subject to change or termination at Alpian’s discretion.
- Cashback rewards are non-transferable and cannot be exchanged for other benefits.
- In cases of suspected misuse, fraud, or breach of these terms, Alpian reserves the right to revoke eligibility or withhold cashback payments immediately.
- By participating in the Program, clients agree to these Terms and Conditions and those applicable to the Signature Plan.