Terms and Conditions

Last updated : 19 janvier 2026

1. Legal Notice

The website patrimonia.finance is published by Nicolas De Stasio (or one of their representatives), an independent financial advisor domiciled in Switzerland.

Activity: Wealth management consulting and financial planning.

This website aims to present our financial advisory services and allow visitors to contact us for a consultation.

2. Services Offered

We offer the following financial advisory services:

Wealth Assessment

Complete analysis of your financial situation, assets, liabilities, and objectives

Retirement Planning

Optimization of Swiss pension pillars (AVS, LPP, 3rd pillar)

Investment Advice

Personalized recommendations based on your risk profile and objectives

Tax Optimization

Legal strategies to optimize your tax burden in Switzerland

3. Service Conditions

3.1 Appointments

Consultations are by appointment. You can schedule an appointment via the website contact form or by phone. A free initial phone interview may be offered to assess your needs.

3.2 Pricing

Fees are communicated transparently before any service. They can be billed hourly or as a flat rate depending on the nature of the assignment. A detailed quote is provided for any significant service.

3.3 Cancellation

Any appointment can be cancelled or rescheduled free of charge up to 24 hours before the scheduled time. Beyond that, cancellation fees may apply.

3.4 Confidentiality

All information communicated during a consultation is strictly confidential and will never be shared with third parties without your explicit consent.

4. Important Warning

The advice provided is personalized but does not constitute a guarantee of performance.

•Past performance does not predict future performance
•Any investment carries risks, including loss of capital
•Investment decisions remain your responsibility
•Tax information is provided for guidance and may change

5. Liability

5.1 Best Efforts Obligation

We commit to implementing all necessary means to provide quality advice tailored to your situation. This is a best efforts obligation, not a guarantee of results.

5.2 Information Provided

The quality of advice depends on the accuracy and completeness of the information you provide. You agree to communicate sincere and complete information about your situation.

5.3 Limitation

Within the limits permitted by Swiss law, our liability is limited to direct damages resulting from proven fault in the execution of our mission.

6. Intellectual Property

All website content (texts, images, logo, structure) is protected by copyright and remains our exclusive property.

Any reproduction, representation, or distribution, in whole or in part, of this website's content is prohibited without our prior written authorization.

7. Data Protection

Personal data collected via the contact form (name, email, phone, message) is used solely to respond to your requests and contact you back.

In accordance with the Swiss Federal Act on Data Protection (DPA), you have the right to access, rectify, and delete your data.

No data is transmitted to third parties for commercial purposes. Data is retained only for the time necessary to process your request.

8. Cookies

This website may use technical cookies necessary for its operation. No advertising or tracking cookies are used.

You can configure your browser to refuse cookies, which will not affect your navigation on this site.

9. Applicable Law

These conditions are governed by Swiss law. Any dispute shall be subject to the exclusive jurisdiction of Swiss courts at our domicile.

10. Contact

For any questions regarding these conditions or to make an appointment, you can contact us via the contact form.