Terms of Service

1. Acceptance of Terms

By accessing and using the LGT Crestone Wealth Management platform ("Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by these terms, please do not use this Service.

2. Description of Service

LGT Crestone Wealth Management provides online investment management services, including but not limited to:

• Investment plan selection and management
• Portfolio tracking and reporting
• Fund transfers and payment processing
• Account management services

3. Eligibility

To use our Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using financial services under applicable laws
• Complete our Know Your Customer (KYC) verification process

4. Account Registration

When you create an account with us, you must provide accurate, complete, and current information. You are responsible for safeguarding your account credentials and for any activities or actions under your account.

5. Investment Risks

All investments carry risk. Past performance is not indicative of future results. The value of investments may go down as well as up, and you may receive back less than your original investment. You should carefully consider your investment objectives, level of experience, and risk appetite before making any investment decisions.

6. Fees and Charges

Our fee structure includes:

• Account setup and compliance fees
• Annual management fees
• Transaction fees for transfers

All applicable fees will be clearly disclosed before you confirm any transaction or investment.

7. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your personal information.

8. Prohibited Activities

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit any malicious code or interfere with the Service
• Impersonate any person or entity
• Engage in money laundering or terrorist financing

9. Intellectual Property

The Service and its original content, features, and functionality are owned by LGT Crestone Wealth Management and are protected by international copyright, trademark, and other intellectual property laws.

10. Limitation of Liability

To the maximum extent permitted by law, LGT Crestone Wealth Management shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service.

11. Termination

We may terminate or suspend your account immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will cease immediately.

12. Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last updated" date.

13. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

14. Contact Us

If you have any questions about these Terms, please contact us at:

Email: compliance@ifgcrestone.com