By using our website you have entered into a binding agreement to accept our terms of use. Please read these terms carefully. They affect your legal rights and limit our liability. If you do not agree to be bound by every one of these terms, please exit our site immediately.

MODIFICATIONS

We may modify these Terms at any time without notice to you. The latest Terms will be posted on our Website. By using the website after we have posted modifications, you agree to be bound by the modifications. If you do not accept the Terms as modified, do not continue to use the Website.

LIMITED LICENSE

We grant you a limited, non-exclusive, non-transferable, revocable license, without any right to sublicense, to use our Website strictly in accordance with the Terms. You may use the Website solely for personal, non-commercial purposes, and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or any other use. Commercial use of any content on the Website is absolutely forbidden. You may not print out or use an electronic version of any part of our Website. You agree not to copy materials, content or any other information on the Website, reverse engineer or break into (hack) the Website, or use materials, products or services in violation of any state or federal law.

LAWFUL USE

You agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of our Website. In addition, you agree not to manipulate or otherwise display the Website by using framing or similar navigational technology. You agree not to access the Website by any means other than through the standard industry-accepted interfaces. You will not use the Website for any purpose that is unlawful or prohibited by these Terms. You may not use the Website in any manner which could damage, disable, interrupt, over burden, or impair the Website or WLIM’s network or servers, or interfere with any other party’s use and enjoyment of the Website. You may not attempt to gain unauthorized access to the Website, other accounts, computer systems or networks connected to the Website, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Website. In addition, you shall not register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for the Website if you are not expressly authorized by such party to do so.

OUR RELATIONSHIP TO YOU

You and we are independent contractors. This Agreement in no way creates any agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between us.

OUR INTELLECTUAL PROPERTY

All content on the Website, including but not limited to designs, data and databases, text, graphics, images, photographs, illustrations, audio and video material, artwork, proprietary information, client-side code (e.g. HTML, JavaScript, etc.), server-side code (e.g. active server pages, VBScript, databases, etc.), information and statistics concerning the use of the Website, and all copyrightable elements of the Website, and their selection and arrangement (collectively, “Content”) are the property of WLIM. Our Content is protected by U.S. copyright law, international treaties and other intellectual property rights. Except as otherwise stated herein, Content may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without our prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. §107), as amended, and then, only with notices of our proprietary rights. You may, however, download the information in the Website and print out hard copies for your own personal, noncommercial use, so long as you do not remove any copyright or other notice as may be contained in the information as downloaded.

INTENDED AUDIENCE

This Website is intended for adults aged 18 years or older. Any registration by, use of or access to our Website by anyone under age 18, is unauthorized, unlicensed and in violation of these Terms of Use. By using our Website you represent and warrant that you are 18 or older and that you agree to and to abide by all of the terms and conditions of this Agreement.

[WLIM has sole right and discretion to determine whether to accept a Client, and may reject a Client with or without explanation.

If you become a Client, you will receive a password that will allow you to access to a secure section of our Website. You agree to maintain the confidentiality of your password and are fully responsible for all liability and damages resulting from your failure to maintain that confidentiality and all activities that occur through the use of your password.

You agree to immediately notify us of any unauthorized use of your password or any other breach of security. You agree that our Website cannot and will not be liable for any loss or damage arising from your failure to comply with password security as discussed herein.]

FINANCIAL, LEGAL AND OTHER ADVICE DISCLAIMER

Your use of the Website creates no professional relationship of any kind between you and WLIM. Nothing contained in our Website shall constitute financial, investment, legal and/or other professional advice to or for you. You hereby agree that you shall not make any financial, investment, legal and/or other decision based in whole or in part on anything contained in our Website.

USE OF INFORMATION

We reserve the right, and you authorize us, to use and assign of all of your information regarding your use of our Website in any manner consistent with our Privacy Policy.

All remarks, suggestions, ideas, graphics, or other information communicated by you to us (collectively, “Submission”) is considered assigned to us and is as such considered our property. We will not be required to treat any Submission as confidential, and will not be liable for any ideas (including without limitation, product, service or advertising ideas) and will not incur any liability as a result of any similarities that may appear in our future products, services or operations.

Without limitation, we will have exclusive ownership of all present and future existing rights to the Submission of every kind and nature everywhere. We will be entitled to use the Submission for any commercial or other purpose whatsoever, without compensation to you or any other person sending the Submission. You acknowledge that you are responsible for whatever material you submit, and you, not us, have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

We may assign these Terms and our rights hereunder, in whole or in part, to a third party, in our sole discretion, in connection with a merger, acquisition, reorganization or sale of substantially all of our assets, or otherwise. You may not assign, sublicense, or delegate any of your rights hereunder.

PRIVACY POLICY

Our Privacy Policy is considered part of this Agreement. You should review this Privacy Policy by clicking on this link.

Swiss Compliance and Investment Risks

White Lighthouse Investment Management (WLIM) Inc and White Lighthouse Investment Management Sarl are both regulated by FINMA, the Swiss Financial market supervisory authority. For our clients and staff who live in Switzerland, work in Switzerland or work with clients in Switzerland, there are specific requirements that we must fulfil. At the bottom of this page you will find links to help you find where you can review which firms are registered with FINMA and which advisors are listed in one of the Swiss Advisor Registries.

FINMA encourages financial service providers based in or serving clients in Switzerland to make their clients are aware of the risks associated with financial instruments. Advisors should ensure clients have a thorough understanding of these risks before making investment decisions or hiring a portfolio manager to make decisions on their behalf. While we at White Lighthouse are regularly communicating information to our clients through disclosure documents, contracts, investment policy statements, newsletters, and other more personal communications, another document that FINMA recommends for clients is the Swiss Bankers Association Brochure, "Risks Involved in Trading Financial Instruments". 

We would like to remind our clients of the existence of this document and while we understand it is long and cumbersome to read, we encourage all our clients to stay educated and to come to us with questions at any time. Below you can find some additional context of the Swiss Regulatory environment for Financial Service Providers:

FINMA's Role: FINMA's guidelines stress the importance of transparency and client education in financial services. They require financial service providers to be aware of the characteristics and risks of the financial instruments they offer and the require individual and firms to go through extensive training and have a regular and documents compliance program.

SBA's Brochure: The "Risks Involved in Trading Financial Instruments" brochure from the Swiss Bankers Association (SBA) provides general information on risks and is a useful resource clients and advisors alike for understanding those risks. 

Advisors' Responsibilities: Advisors must ensure their clients have a sufficient understanding of the risks before making investment decisions. They can use various means to fulfil this obligation, including:

  • Providing general risk information: This should include information about the specific financial instruments being considered and any associated risks. 

  • Disclosing costs and fees: Clients should be aware of all costs associated with the investment. 

  • Referring to relevant documents: This may include the SBA brochure or other relevant documents. It is suggested but not a mandatory requirement to provide a link to the SBA brochure specifically. 

FINMA’s website provides extensive information on all the firms licensed and registered in Switzerland. At this link,  https://www.finma.ch/en/finma-public/authorised-institutions-individuals-and-products/,  you can find all the firms authorized in Switzerland by FINMA. For example, by typing in White Lighthouse (or any firm name), you will see WLIM Sarl listed as a portfolio manager in Switzerland and supervised by the Self-Regulatory Body OSFIN. You can also see that WLIM Inc has an authorized Representative office, as a portfolio manager, in Lausanne. Scrolling further down, you will find regularly updated lists, by category, of firms regulated by FINMA. At the same link above, you can also find some individuals and firms that appear on warning lists.

Additionally, all our advisors in WLIM Inc. who serve clients in Switzerland are listed in one of the three advisor registries, specifically https://registre.arif.ch/en/registre/. The other two advisor registries are:

https://www.regservices.ch/en/client-advisor-search/

https://www.reg-fix.ch/en/advisers-search

As of May 2025, WLIM Inc. is one of only seven firms foreign to Switzerland that have gone through the process of registration, and the only one from the United States. Many advisors, compliance officers and others outside of Switzerland, and even some inside of Switzerland are unaware of the regulations on serving Swiss clients or sadly are voluntarily flouting the rules.

To legally serve clients in Switzerland for portfolio management, investment advice, the distribution of products and the execution of financial transactions, virtually every individual and/or their employer must be properly registered. At WLIM we take our compliance obligations very seriously to serve our clients and employees properly and thank our Swiss Risk and Compliance officer for his diligence in supporting our firm’s compliance efforts and educating our team.

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