Legal Notice
Last updated: June 2026
The German Rechtliche Hinweise are authoritative for Swiss regulatory context.
1. Scope
These notices apply to all content on pillar5.ch, operated by [LEGAL_NAME] in Switzerland.
2. General information, not legal advice
Website content is for general information only. It does not replace individual legal, tax, or regulatory advice. [LEGAL_NAME] is not a law firm and does not provide legal opinions via this website.
3. Consulting
Advisory services are informative and supportive. No guarantee of economic success is provided. Client decisions remain the client's responsibility unless otherwise agreed in writing.
4. Financial Services Act (FinSA)
Financial services: [LEGAL_NAME] does not provide financial services within the meaning of Art. 3 lit. c FinSA unless expressly agreed in writing. In particular, we do not give personal recommendations to acquire or dispose of specific financial instruments and do not manage third-party financial instruments with power of disposal.
Content on this website is neither advertising for financial instruments under Art. 68 FinSA nor an offer, solicitation, or recommendation to enter into transactions in financial instruments.
[LEGAL_NAME] is not licensed by FINMA and is not supervised as a financial service provider under FinSA unless expressly stated otherwise. There is no obligation to register as a client adviser while no FinSA services are provided.
5. Financial Institutions Act (FinIA)
[LEGAL_NAME] is not a financial institution under FinIA and holds no FINMA authorisation as asset manager, trustee, or collective investment scheme manager unless expressly stated otherwise.
Where [LEGAL_NAME] holds or oversees assets, this is within own participations or mandates that do not constitute commercial asset management with power of disposal over third-party financial instruments. An exemption from FinIA licensing may apply for managing assets of economically or family-connected persons (Art. 2 para. 2 lit. a FinIA). This exemption does not extend to services for unrelated third parties.
6. Anti-Money Laundering Act (AMLA / GwG)
[LEGAL_NAME] is not a financial intermediary under the AMLA and is not subject to AMLA due diligence obligations unless expressly stated otherwise.
AMLA obligations may arise if third-party assets are professionally accepted, held, or invested with power of disposal. Such activities, if any, are only performed on a separate contractual basis and in compliance with applicable law.
7. Financial planning and coordination
«Financial planning» and «financial coordination» mean structuring liquidity, risk, governance, and succession at asset-class and mandate level, not recommending individual financial instruments.
Financial coordination is provided within our consulting mandate. It does not constitute regulated investment advice under FinSA and is not a recommendation to buy or sell specific financial instruments. No solicitation to buy or sell financial instruments. Past performance is not indicative of future results.
Concrete investment decisions remain with the client or their licensed banks, asset managers, or other professional advisers unless expressly agreed in writing.
8. Digital assets
Digital assets (including cryptocurrencies and tokenised rights) involve high volatility, technical risk, and evolving regulation. Depending on token function, FinSA, FinIA, or AMLA obligations may apply.
[LEGAL_NAME] does not custody client funds or third-party private keys unless expressly agreed in a separate contract. No guaranteed returns are promised.
9. Real estate
[LEGAL_NAME] holds and operates own properties. It does not act as a real estate broker or intermediary under Art. 412 ff. CO and holds no cantonal broker licence unless expressly stated otherwise.
Property information on this website is not a binding offer and does not create a broker relationship. Transactions require separate due diligence, cantonal legal review, and contracts.
10. Liability disclaimer
Content is prepared with care; no warranty for accuracy, completeness, or timeliness. Liability for slight negligence on non-binding information is excluded where permitted by Swiss law. Binding commitments are made only in writing under a mandate agreement.
11. Intellectual property
Pillar5 logos and emblems are property of the Senpinar family. Reproduction only with written consent.
12. Applicable law and jurisdiction
Swiss law applies. Place of jurisdiction for disputes arising from use of this website: [CANTON], [CITY], where permitted.