A. Company information

Registered Address
Street: Eschenring 2
Zip Code / City: 6300 Zug

Place of operation (office)
Street: Baarermattstrasse 8d
Zip Code / City: 6340 Baar
Phone: +41 41 510 9339
Email: info@isgag.ch
Website: www.isgag.ch

The financial institution was established in 2024.

Supervisory authority and audit firm

Under the new Federal Act on Financial Institutions (FinIA), all financial institutions need a license from FINMA to carry out their professional activities as a portfolio manager. The financial institution received its license on 04.06.2024 and is supervised by the supervisory organization AOOS – Schweizerische Aktiengesellschaft für Aufsicht. The financial institution is audited by the auditing company CAPREV Wirtschaftsprüfung- und beratung AG both in terms of regulatory law and obligations. The address of the supervisory organization and the audit company can be found below.

Supervisory organization: AOOS – Schweizerische Aktiengesellschaft für Aufsicht
Street: Clausiusstrasse 50
Zip Code / City: 8006 Zürich
Phone: +41 44 215 9898
Email: info@aoos.ch
Website: https://www.aoos.ch/

Audit Firm Name: CAPREV Wirtschaftsprüfung und –beratung AG
Address: Industriestrasse 47
Zip Code / City: 6300 Zug
Phone: +41 41 761 9245
Email: info@caprev.ch
Website: https://caprev.ch/

Ombudsman

The financial institution is affiliated with the independent ombudsman FINOS Finanzombudsstelle Schweiz, which is recognized by the Federal Department of Finance. Disputes concerning legal claims between the client and the financial services provider should be settled by an ombudsman’s office, if possible, within the framework of a mediation procedure. The address of FINOS Finanzombudsstelle Schweiz is stated below.

Name Ombudsman: Finanzombudsstelle Schweiz (FINOS)
Address: Talstrasse 20
Zip Code / City: 8001 Zürich
Phone: +41 44 552 0800
Email: info@finos.ch
Website: https://www.finos.ch/

B. Information on the offered financial services

The financial institution provides portfolio management services, portfolio-based and transaction-based investment advisory services to its clients.

In the case of a transaction-based investment advisory mandate with the financial institution, a personal recommendation relating to individual financial instruments is provided to the client. The decision to buy or sell remains always ultimately with the client.

The financial institution does not guarantee any yield nor performance of investment activities. The investment activity can therefore lead to an appreciation or a depreciation in value.

The financial institution has all the necessary licences to perform the services described above.

C. Client segmentation

Financial service providers are required to classify their clients into a client segmentation according to the law and adhere to the respective code-of-conduct. The Financial Services Act provides for «retail clients», «professional clients» and «institutional clients» segments. For each client, a client classification is determined within the framework of the cooperation with the financial institution. Subject to certain conditions, the client may change the client classification by opting out.

D. Information on risks and costs

General risks associated with financial instruments transactions
The investment advisory and portfolio management services involve financial risks. The financial institution shall provide all clients with the «Risks involved in Trading Financial Instruments Transactions» brochure prior to the execution of the contract. This brochure can also be found at www.swissbanking.ch.

Clients of the financial institution may contact their client advisor at any time if they have any further questions.

Risks associated with the offered services

For a description of the various risks that may arise from the investment strategy for clients’ assets, please refer to the relevant investment advisory or portfolio management agreements.

If unusual concentrations of risk within the client portfolio cannot be ruled out, the nature and extent of such concentration risks shall be disclosed to the client. Indicators of such unusual concentrations of risk are:

• a concentration of 10% or more in individual securities;
• a concentration of 20% or more in individual issuers.

Concentrations from collective investment schemes that are subject to regulatory risk diversification rules, such as UCITS funds and Swiss securities funds, are excluded.

In the case of investment advice, the financial institution shall provide its retail clients with the basic information sheet of the recommended financial instrument.

Information on costs

A fee is charged for the services rendered, which is usually calculated on the assets under management and/or on a performance basis. For more detailed information, please refer to the relevant investment advisory or portfolio management agreements.

E. Information about relationships with third parties

In connection with the financial services offered by the financial institution, economic ties may exist with third parties. The acceptance of payments from third parties as well as their treatment are regulated in detail and comprehensively in the respective investment advisory and portfolio management contracts.

F. Information on the market offer considered

The financial institution basically follows an «open universe approach» and tries to make the best possible choice for the client when selecting financial instruments. The financial institution’s own collective investments can – where appropriate – be used in the portfolio management mandates or recommended as part of investment advice.

If the financial institution offers both its own and third-party financial instruments in its market offering, it shall take appropriate organisational measures, such as implementing a procedure for selecting financial instruments based on objective criteria customary in the industry. If the possibility of customers being disadvantaged cannot be excluded, the financial institution shall disclose this to its customers.

G. Appropriateness and suitability

Appropriateness test for transaction-based investment advice

In the case of transaction-based investment advice, the financial institution provides investment advice for individual transactions without taking into account the entire client portfolio.

In this case, the financial institution must ascertain the client’s knowledge and experience before recommending financial instruments. In addition, before recommending financial instruments, it must be determined whether they are appropriate for the client.

In particular, the company must ensure that it is aware of the client’s knowledge and experience in relation to each relevant investment category used in the financial service.

Suitability test for portfolio-based investment advice and asset management

When providing portfolio-based investment advice, the financial institution provides investment advice that takes into account the client portfolio. When providing asset management services, the financial institution must also take into account the entirety of the client portfolio it manages. In contrast to investment advice, it also makes the investment decision itself.

In both these cases, the financial institution must determine the financial circumstances and investment objectives as well as the knowledge and experience of the clients. In this context, the knowledge and experience relates to the financial service and not to the individual transactions.

The information gathered by the financial institution about the knowledge and experience of the clients must take account of the investment strategy, and the granularity of the survey must be adapted to the complexity and risk profile of the investment and the investment strategy. In particular, the financial institution must be certain about the knowledge and experience of the clients in relation to each relevant investment category used in the financial service.

Agreement

By accessing the ISG AG website, you agree to the information and processing of your personal data in the manner described in this data protection declaration. If you do not agree, do not access our entire website. This data protection declaration can be updated at any time. The updates are binding. By continuing to use the website and our services, we assume that you have taken note.

The following information is also valid for all other information you receive, for example in the form of our newsletter.

General information

ISG AG as the operator of this website may involve third parties in its operation. We collect and process your data confidentially and in accordance with the current provisions of the Swiss Data Protection Act (“DSG”) and the European Data Protection Ordinance (“DSGVO”) as well as this data protection declaration and take the protection of your personal data very seriously. The following explains how your personal data collected during your visit to this website and during any registration is collected and processed.

Our website is generally accessible without providing your personal data.

Your data is processed in Switzerland and is stored on Swiss servers (except Google Analytics).

Which data is collected, how and for what purpose

When you visit our website, the hosting provider of our website, OVH SAS, 2 rue Kellermann, 59100 Roubaix, France, automatically collects and stores information in so-called server log files, which your browser automatically transmits to us. These are usually:

• IP address
• Browser type and browser version
• operating system used
• referrer URL
• Host name of the accessing computer
• Date and time of the server request

The information/data mentioned is neither assigned to specific persons nor linked to data from other sources. However, we reserve the right to check this data subsequently if we become aware of any concrete indications of illegal use.

All data of this website are stored with our hosting provider, who is located in Switzerland.

We also collect the personal data you voluntarily provide when you register to receive further information on our website or when contacting us by e-mail (in particular, e-mail address, name).

Your data is collected and processed for communication purposes, in particular, when we inform you about our services and products, as well as for the technical administration, analysis and further development of our website and for the maintenance of our contact database and for marketing purposes.

This data will be kept strictly confidential and will only be kept for as long as a legal basis exists (e.g. consent) or is necessary for the fulfilment of the purposes mentioned.

Other parties who have access to information we collect

With the exception of the provider of our website, we do not make your personal data available to third parties unless disclosure is prescribed or permitted by the applicable law, e.g. to supervisory or other authorities.

Data security / SSL encryption

In order to protect your personal data, we have implemented appropriate technical and organisational security measures.

This website uses SSL encryption for security reasons and to protect the transmission of confidential content, such as the requests you send to us as the operator of this website. You can recognize an encrypted connection by the fact that the address line of the browser changes from “http://” to “https://” and by the lock symbol in your browser line.

If SSL encryption is activated, the data you transmit to us cannot be read by third parties.

However, we draw your attention to the fact that any data transmission on the Internet (e.g. communication by e-mail) is generally not secure and we accept no liability for data transmitted to us via the Internet. Unfortunately, absolute protection is not technically possible. It is also possible that data may be transferred abroad and thus at best to a country with a lower level of data protection than Switzerland, even if the sender and recipient are located in Switzerland.

All information does not apply to the websites of third parties and the corresponding links given on our website. ISG AG assumes no responsibility and liability for the content and compliance with legal data protection regulations by the operators of linked websites.

Cookies, Google Fonts and Analytics as well as Social Media Plug-Ins

Cookies

This website uses so-called tracking technologies such as “cookies”. These are text files that are stored on your computer and enable us to analyse the use of the website. Cookies serve in particular to improve our website.

By visiting this website you accept the use of cookies. If you do not agree to this, you can prevent the installation of cookies by setting your browser software accordingly, but it is possible that the website will then no longer function properly. When confirming the cookie banner, a cookie is set which allows the banner not to be displayed again for a period of one year each time you visit our website.

More detailed information on cookies and how they work can be found at: http://www.allaboutcookies.org.

Google Fonts and Google Analytics

This website also uses Google Fonts (Open Scans). For technical reasons, your IP address must be transmitted to Google so that the fonts can be transferred to your browser.

For more information about Google Fonts, visit https://developers.google.com/fonts/faq#what_does_using_the_google_fonts_api_mean_for_the_privacy_of_my_users.

In addition, Google Analytics, a web analysis service provided by Google Inc. “(“Google”). Google Analytics also uses cookies. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties if this is required by law or if third parties process this data on behalf of Google. Under no circumstances will Google associate your IP address with other Google data. You can find out about Google’s use of the data by clicking on the following link: https://www.google.ch/policies/privacy/partners.

We do not use the information and personal data collected by Google Analytics to identify individuals unless we become aware of specific indications of illegal use.

Social media plug-ins

We use plug-ins from social networks such as Facebook, Twitter, Youtube, Google+, Pinterest or Instagram on our website. This can be seen for you in each case (typically via corresponding symbols). We have configured these elements to be disabled by default. If you activate them (by clicking), the operators of the respective social networks can register that you are on our site and where and can use this information for their purposes. The processing of your personal data is then the responsibility of this operator according to its data protection regulations. We do not receive any information about you from him.

Register to receive our newsletter and other information about our products

If you would like to receive our newsletter and any further information, we need an e-mail address and your name to send it. The registrations are logged in order to be able to prove the registration process according to the legal requirements. This includes saving the time of registration and confirmation.

By submitting your personal data, you consent to the storage of this data, the e-mail address and its use for sending the newsletter and information. You can exercise the rights listed below at any time.

Your personal data will be stored and processed in accordance with Swiss data protection regulations. The secure storage of personal data (e.g. in connection with subscribed newsletters) is guaranteed.

Cancellation/Revocation

If you no longer wish delivery, you can revoke your consent at any time. You will not receive any more information and will be deleted from our database. Please send the corresponding email to our contact address info@isgag.ch.

Legal basis Basic Data Protection Ordinance

In accordance with the provisions of the Basic Data Protection Ordinance (DSGVO) applicable from 25 May 2018, we inform you that your consent to the dispatch to the e-mail address you provide will be given on the basis of Art. 6 para. 1 lit. a and Art. 7 DSGVO. The corresponding dispatch list is used on the basis of our legitimate interests in accordance with Art. 6 para. 1 lit. f DSGVO. We are interested in using a user-friendly and secure website and system that serves our business interests but also meets the expectations of our users and customers.

Exercise of your rights

In accordance with data protection law, you have the right to information at any time about the personal data processed and stored by us, its origin and recipient and the purpose of data processing, to correction of incorrect or complete personal data stored by us, and to deletion of these (unless processing is necessary to fulfil a legal obligation, for reasons of public interest or to assert, exercise or defend legal claims). You may request the disclosure of personal data for the purpose of transfer to another location as well as restrictions on data processing.  You also have the right to revoke your consent given to us at any time. As a result, we must stop the data processing based on this consent and, for example, we can no longer send you any newsletters or information.

If you do not agree to our data processing, you can report this to the Federal Data Protection and Information Commissioner (FDPIC) and/or the responsible supervisory authorities in the EU at any time.

Liaison

If you have any questions about this or other personal data, please contact us at any time at the address given under Contact.

Persons who access information on this website of ISG AG declare that they agree to the following conditions.

Non-Binding

The information published on this website does not constitute a recommendation, an offer or a solicitation to buy or sell investment instruments, to engage in transactions or to enter into any type of legal transaction. The published information and expressions of opinions are made available by ISG AG exclusively for personal use and for informational and advertising purposes only; they may be altered at any time and without prior notice. For further information, please consult the Basic Information Sheet (BIS), the prospectus, or other relevant documents under foreign law that are equivalent to the Basic Information Sheet (such as Key Information Documents/KIDs), which can be downloaded from www.isgag.ch. ISG AG does not make any warranty (neither expressly nor implicitly) about the accuracy, completeness and timeliness of the published information and expressions of opinion. The information on this website does not represent an aid for making decisions on commercial, legal, tax or other advisory issues, nor may any investment or other decisions be taken based solely on this information. Advice from a qualified expert is recommended.

Limitation of Liability

ISG AG disclaims all liability whatsoever for losses or damages of any type – whether direct, indirect or consequential damages – that may result based on the use of or access to this website or based on links to websites of third parties. Furthermore, ISG AG disclaims all liability for manipulations by unauthorized third parties of the EDP system of the Internet user. In this regard, ISG AG expressly refers to the danger of viruses and the possibility of targeted attacks by hackers. For purposes of combating viruses, the use of current browser versions as well as the installation of anti-virus software that is continuously updated is recommended. Internet users should basically refrain from opening emails of unknown original and unexpected attachments to an email.

Links

Certain links on this website lead to websites of third parties. These websites are completely beyond the control of ISG AG, which is why ISG AG disclaims all liability for the accuracy, completeness and lawfulness of the content of such websites as well as for any offers and services that may be contained therein.

Local Legal Restrictions

The website of ISG AG is not intended for persons who are subject to a legal system that prohibits the publication or accessing of this website (based on the nationality of the person in question, his/her place of residence or other reasons). Persons who are subject to such restrictions are prohibited from accessing the website of ISG AG.

Use of This Website

The entire content of this website is protected by copyright law. It is permissible to save or print out individual pages for personal or non-commercial use. The complete or partial reproduction, transmission (electronically or otherwise), modification, linking to or use of the website of ISG AG for public or commercial purposes is prohibited in the absence of the prior written consent of ISG AG.