1. Legal notice
This website is published by Alphora Concierge & Finance, a private maison incorporated under Swiss law, with registered office in Nyon, Canton of Vaud.
Publisher
Alphora Sàrl
Chemin des Plantaz 31
1260 Nyon · Vaud · Switzerland
Contact
Email: contact@alphora-concierge.com
Website: www.alphora-concierge.com
Management
Felicia Sander — Founder, Alphora Concierge
Sébastien Schneider — Founder, Alphora Finance
Hosting
The website is hosted by Infomaniak Network SA, Rue Eugène-Marziano 25, 1227 Les Acacias, Geneva, Switzerland. www.infomaniak.com
Intellectual property
All content on this website — texts, images, graphics, logo, trademarks, interface elements, code and structure — is the exclusive property of Alphora or its licensors. Any reproduction, representation, modification, publication or adaptation, in whole or in part, by any means whatsoever, is prohibited without the prior written consent of Alphora, subject to the exceptions provided by Swiss law.
Liability
The information published on this website is provided for information purposes only. It does not constitute an offer, investment advice or solicitation. Alphora endeavours to ensure the accuracy of the information published but cannot guarantee its absolute completeness. Alphora shall not be held liable for errors, omissions or the use made of the information contained on this website.
Governing law and jurisdiction
This website and any related relationship are governed by Swiss law, to the exclusion of its conflict-of-laws rules. Any dispute shall fall under the exclusive jurisdiction of the courts of the Canton of Vaud, Switzerland, subject to appeal to the Federal Supreme Court.
2. Data protection (revFADP)
Alphora processes personal data in strict compliance with the revised Federal Act on Data Protection (revFADP) of 25 September 2020, in force since 1 September 2023, and the Data Protection Ordinance (DPO). For visitors residing in the European Union, the General Data Protection Regulation (GDPR) is also respected.
2.1 Data controller
Within the meaning of art. 5 lit. j revFADP, the data controller is:
Alphora Sàrl
Chemin des Plantaz 31 · 1260 Nyon · Switzerland
Data Protection Officer: dpo@alphora-concierge.com
2.2 Data collected
Depending on the nature of the interaction, we may collect:
- Identification data: surname, first name, title, language.
- Contact data: postal address, email, telephone number.
- Wealth data, exclusively after entering into a contractual relationship and within the scope of AML / due-diligence obligations: financial situation, source of funds, wealth objectives.
- Browsing data: truncated IP address, browser type, pages visited, session duration (see Cookies section).
2.3 Purposes and legal bases
Processing is based on:
- the performance of a contract or pre-contractual measures (art. 31 para. 2 lit. a revFADP);
- compliance with legal obligations (AML, FINMA, tax law);
- the overriding legitimate interest of Alphora (site security, fraud prevention);
- consent, for the contact form and non-essential cookies.
2.4 Recipients and processors
Your data is never sold. It may be shared with processors strictly necessary for the performance of our services (Infomaniak hosting in Switzerland, banking partners, tax and legal advisors), bound by confidentiality and a data processing agreement (DPA) compliant with art. 9 revFADP.
2.5 Transfers outside Switzerland
Your data is hosted and processed primarily in Switzerland. Any transfer to a third country not offering adequate protection within the meaning of Annex 1 DPO is carried out exclusively on the basis of contractual safeguards (standard contractual clauses) or explicit consent.
2.6 Retention period
- Unfollowed contact requests: 12 months.
- Client files: 10 years after the end of the relationship, in accordance with art. 958f CO and AML obligations.
- Browsing data: 13 months maximum.
2.7 Your rights
In accordance with art. 25 et seq. revFADP, you have the following rights at any time:
- right of access to your data;
- right of rectification and completion;
- right of erasure, within legal limits;
- right to data portability;
- right to withdraw consent at any time;
- right to file a complaint with the Federal Data Protection and Information Commissioner (FDPIC), Feldeggweg 1, 3003 Bern.
To exercise these rights, please write to dpo@alphora-concierge.com. We will respond within 30 days in accordance with art. 25 para. 7 revFADP.
2.8 Security
In accordance with art. 8 revFADP and art. 1 DPO, Alphora implements appropriate technical and organisational measures: TLS encryption, Swiss sovereign hosting, access control, logging, encrypted backups and staff training. Any security breach likely to result in a high risk to the rights of data subjects is notified to the FDPIC as soon as possible (art. 24 revFADP).
3. FINMA compliance
Alphora operates in compliance with the Swiss regulatory framework applicable to its activities, under the supervision of the Swiss Financial Market Supervisory Authority (FINMA).
3.1 Regulatory framework
Our financial activities are conducted in accordance with:
- the Financial Services Act (FinSA) of 15 June 2018;
- the Financial Institutions Act (FinIA) of 15 June 2018;
- the Anti-Money Laundering Act (AMLA) and its implementing ordinance;
- FINMA circulars applicable to wealth management and investment advice.
3.2 Affiliation to a supervisory organisation
As a portfolio manager within the meaning of art. 17 FinIA, Alphora Finance is affiliated to a supervisory organisation recognised by FINMA and to an ombudsman organisation within the meaning of art. 74 FinSA. Precise contact details are provided on request to clients in a contractual relationship.
3.3 Client information and classification
In accordance with FinSA, we classify each client (retail, professional, institutional) and provide the required pre-contractual information, including the nature of services, associated risks and all direct and indirect costs and compensation.
3.4 Anti-money laundering
Alphora rigorously applies the due-diligence obligations imposed by the AMLA: identification of the contracting party, identification of the beneficial owner, clarification of the economic background of transactions and retention of documents for 10 years. Any suspicious transaction is reported to the Money Laundering Reporting Office Switzerland (MROS).
3.5 Conflicts of interest and independence
Alphora has established an internal conflicts-of-interest management policy. Our remuneration consists exclusively of fees paid by our clients; we accept no retrocession or hidden commission. Any third-party remuneration is fully refunded to the client in accordance with art. 26 FinSA.
3.6 Mediation
In the event of a dispute not resolved amicably, the client may refer the matter to the ombudsman organisation recognised by the Federal Department of Finance to which Alphora is affiliated. The procedure is free of charge for the client.