Legal Information

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Last updated: July 2025

 

1. Introduction

U Wealth SA (hereinafter referred to as "U Wealth", "we", or "us") is a Swiss wealth management company based in Geneva, regulated by the Swiss Financial Market Supervisory Authority (FINMA) and supervised by an authorized supervisory organization (SO), AOOS, under the Swiss Financial Institutions Act (FinIA).

The protection of your personal data is essential to us. This Privacy Policy outlines how we collect, process, protect and use your data, and includes our complaints handling procedure. It applies to all interactions with us, both online and offline.

 

2. Complaints Procedure

U Wealth takes every complaint seriously and is committed to addressing it in a timely, clear, and transparent manner.

 

2.1 How to file a complaint

You can submit a complaint:

1. By post:
   Compliance Officer
   U Wealth SA
   8C Avenue de Champel | CH - 1206 Genève, Switzerland

2. By phone:
   +41 (0) 22 545 51 40
   (Calls may be recorded for regulatory purposes)

3. By email:
   contact@uwealth.ch

Our team is available Monday to Friday, from 8:30 AM to 6:00 PM.

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2.2 Handling process

1. You will receive an acknowledgment of receipt within 5 business days

2. We aim to provide a full response within 4 weeks

3. If a resolution cannot be provided within that time, we will inform you of the reason and provide a revised timeline

4. If more than 8 weeks are required, you will receive a written explanation and, if appropriate, further action options

 

2.3 Contesting our decision

You have 3 months from the date of our final response to submit any additional information or request a review. If we do not hear from you during this time, the case will be considered closed.

 

3. Personal Data – Privacy Policy

3.1 Definitions

1. Personal data: Any information relating to an identified or identifiable natural person

2. Data subject: Any individual whose personal data is processed (clients, prospects, employees, representatives, etc.)

3. Data controller: U Wealth SA

4. Data processor: A third party processing personal data on our behalf

5. Related person: Any third party connected to the data subject (e.g., beneficial owner, proxy, director)

 

3.2 Personal data we collect

We may collect:

1. Identification data (e.g., full name, nationality, date of birth, passport number, photograph)

2. Contact data (e.g., postal address, email, phone number)

3. Tax, financial and employment-related information

4. Data from your interactions with us (calls, emails, meetings)

5. Technical information collected via cookies (IP address, browser type, pages visited, etc.)

 

3.3 Sources of personal data

We may obtain data:

1. Directly from you

2. From service providers (e.g., KYC checks, AML databases)

3. From publicly available databases (e.g., commercial registers, sanctions lists)

4. From third parties with your consent

 

3.4 Why we process your data

a. Legal and regulatory obligations

1. To comply with anti-money laundering (AML) and anti-terrorism financing laws

2. To comply with international sanctions and embargoes

3. To comply with tax, regulatory, and investor protection laws

4. To identify unusual or suspicious activity

5. To respond to regulatory or judicial authorities

6. To comply with additional regulatory requirements, such as monitoring adverse media coverage

b. Contractual relationship

1. To open and manage your account

2. To process instructions and communicate reports

3. To evaluate product suitability and risk profiles

4. To fulfil legal and administrative obligations related to your portfolio

c. Legitimate interest and service improvement

1. To personalize our services

2. To improve our website and IT infrastructure

3. To analyze and enhance client satisfaction

4. To assess operational risk

 

3.5 Consent for specific processing

Certain processing activities (e.g., direct marketing) require your explicit consent. You may withdraw your consent at any time by contacting us.

 

3.6 Sharing your data

Your personal data may be shared with:

1. U Wealth and affiliates (Unigestion Holding One and group)

2. IT and compliance service providers

3. Regulatory, judicial and tax authorities

4. Third Party Service providers (lawyers, auditors, custodians, etc.)

5. Any third parties with your prior consent or where required by law

 

3.7 International data transfers

Your data may be transferred outside of Switzerland. In such cases, we ensure adequate protection via:

1. Swiss-approved Standard Contractual Clauses (SCCs)

2. Risk assessments and appropriate safeguards

3. Host countries with data protection deemed adequate by the Swiss Federal Data Protection and Information Commissioner (FDPIC)

 

3.8 Data security

We implement technical and organizational measures to:

1. Prevent unauthorized access, alteration, or loss

2. Ensure access is granted only to authorized personnel

3. Monitor and respond to data breaches in accordance with applicable laws

 

3.9 Data retention

Your personal data is retained:

1. For as long as the contractual relationship lasts

2. And for up to 10 years after termination, unless longer retention is required by law

3. Or as needed to defend legal claims or comply with investigation requests

 

3.10 Cookies

Our website uses cookies to enhance your browsing experience.

a. What we collect
Cookies store browsing information (language preferences, visited pages, session duration, etc.) to help personalize your next visit.

b. Managing cookies
You can disable cookies via your browser settings. Disabling essential cookies may affect website functionality.

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3.11 Your rights

You may exercise the following rights:

1. Access: Know what data we hold about you

2. Rectification: Correct inaccurate or outdated data

3. Erasure: Request deletion of your data (subject to legal limits)

4. Restriction: Limit how your data is processed

5. Objection: Object to specific processing

6. Data portability: Request your data in a transferable format (where applicable)

To exercise your rights, please contact us in writing by post at the address provided in section 2.1.
We may ask for proof of identity. Excessive requests may incur a fee (up to CHF 300).
We aim to respond within 3 months. If more time is needed, you will be informed accordingly.

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3.12 Data transmission and hosting

Our servers are hosted in Switzerland. By submitting data from outside Switzerland, you consent to its transfer and processing under Swiss law.
Please note that transmission over open networks (e.g., the internet or email) is not entirely secure. While we do our best to protect your data, U Wealth cannot guarantee its safety during transit. You may use alternative methods (e.g., registered mail) to send us sensitive information.

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3.13 Applicable law and jurisdiction

This Privacy Policy is governed by substantive Swiss law, excluding its conflict of law provisions.
Any dispute arising from or relating to this policy shall be subject to the exclusive jurisdiction of the courts of the Canton of Geneva, without prejudice to any right of appeal to the Swiss Federal Supreme Court.

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4. FinSA Client Information

  1. Company Information

  Address: 8C Avenue de Champel, 1211 Geneva, Switzerland

  Phone: +41 22 704 42 11

  Email: contact@uwealth.ch

  Website: uwealth.ch

  Established: 2024

  License (15.04.2025): FINMA under FinIA; supervised by AOOS Société anonyme suisse de surveillance

  Auditor: BDO SA, Geneva

  Ombudsman: FINOS – Finanzombudsstelle Schweiz, Zurich

  2. Financial services offered

  Portfolio management

  Portfolio-based and transaction-based investment advice

  Execution-only services

  Services relating to collective investment schemes

The institution does not guarantee any investment performance.

  3. Client segmentation

Clients are classified into retail, professional or institutional categories. Reclassification is possible under certain conditions.

  4. Risks and costs

  General investment risks: see SBA brochure “Risks Involved in Trading Financial Instruments”

  Fees: based on assets under management and/or performance; details in client agreements

  5. Relationships with third parties

Economic ties with third parties may exist, regulated in the respective agreements.

  6. Market offer

U Wealth follows an “open universe” approach; where appropriate, U Wealth-managed collective investments may be included in mandates.

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5. Disclaimer

The content of this website is for informational purposes only and does not constitute investment advice, solicitation, or offer. Nothing herein considers your personal investment profile or objectives. You should always seek independent legal, tax, financial, or regulatory advice before making any decision.

All information is provided in good faith, based on sources deemed reliable, but we make no guarantee as to its accuracy, completeness, or suitability. U Wealth and its employees may hold positions in financial products mentioned on this site and may act on them at any time.

This site and its content are not intended for distribution to, or use by, any person or entity in jurisdictions where such distribution or use would violate local laws or regulations. This site is not intended for U.S. persons or distribution within the U.S.