Client Information pursuant to Art. 8 FinSA
This information is addressed to clients of Novi Capital AG and is provided in accordance with Art. 8 of the Federal Act on Financial Services (FinSA).
1. Scope of Activity and Supervisory Status
Novi Capital AG provides financial services in the areas of investment advice and asset management pursuant to Art. 3 lit. c FinSA.
As a financial service provider within the meaning of Art. 3 lit. d FinSA, the advisors of Novi Capital are registered in the advisor register RegServices (BX Swiss AG), ⚠ Placeholder.
2. Ombudsman Office and Mediation Procedure
In fulfillment of the statutory requirements pursuant to Art. 77 FinSA, Novi Capital is affiliated with the ⚠ Placeholder (state-recognized ombudsman office pursuant to FDF).
In the event of disputes, clients have access to a mediation procedure before this ombudsman office. The procedure is designed to resolve disputes in an unbureaucratic, fair, and impartial manner—generally free of charge for the client.
3. Independence and Conflicts of Interest
Novi Capital maintains complete independence in the performance of its activities. Should conflicts of interest arise in the course of fulfilling a mandate, Novi Capital undertakes to provide transparent disclosure to the client prior to rendering the service.
4. Market Offering Considered
Novi Capital does not distribute proprietary (own) financial products. In the selection of financial instruments, Novi Capital is guided exclusively by the suitability of the product for the specific client profile—independent of product providers.
5. Cost Transparency
All applicable costs, margins, and any retrocessions are fully and transparently disclosed to the client prior to conclusion of the contract. There are no hidden fees.
6. Execution of Client Orders
Investment advice explicitly does not include independent transmission of client orders to exchanges or custodian banks. Upon express request, however, Novi Capital may provide administrative support to the client in the execution of transactions or in dialogue with the chosen custodian bank.
7. Rights and Obligations of the Client
- Duty to Provide Information: The client provides all information required for a sound suitability assessment (knowledge, experience, financial circumstances, investment objectives).
- Duty to Report Changes: The client informs Novi Capital promptly of any changes that are material to the investment strategy or suitability assessment.
- Decision-Making Authority: The client bears final responsibility for his investment decisions. He is not obligated to follow the recommendations of Novi Capital.
8. Risk Disclosure
No Ongoing Monitoring: In the context of investment advice, Novi Capital does not conduct continuous monitoring of the portfolio.
Return Disclaimer: Investment recommendations are based on forecasts. Guaranteed performance cannot be assured.
Market Dynamics: Recommendations are of a temporary nature and may lose relevance in the short term due to market volatility.