Terms & Conditions for the Alpian Savings Account

1. Introduction

These Terms & Conditions ("T&Cs") govern the use of the Alpian Savings Account ("Savings Account") offered by Alpian SA ("Alpian"). By opening and using the Savings Account, you ("Client") agree to these T&Cs. These T&Cs supplement the General Terms & Conditions of Alpian, which remain applicable unless otherwise stated herein.

2. Eligibility

To open a Savings Account, the Client must:

Be at least 18 years old.

Be a resident of Switzerland.

Hold a primary account with Alpian.

Pass all necessary identity verification and compliance checks.

3. Account Features

3.1 Interest Rate

The Savings Account offers a variable interest rate, subject to change at Alpian's discretion.

Interest is accrued daily and credited monthly to the Savings Account.

The applicable interest rate will be communicated via the Alpian app and website.

A Booster Bonus interest rate may be available for a limited time, applicable to new deposits or qualifying criteria as defined by Alpian.

The Booster Bonus rate is applicable for a specific duration and will revert to the standard rate after the promotional period ends.

Clients who meet the qualifying deposit or balance requirements during the promotional period will automatically receive the Booster Bonus.

3.2 Currency & Deposits

The Savings Account is available exclusively in Swiss francs (CHF).

Deposits can only be made from the Client’s Alpian primary account.

There is no minimum deposit requirement, but specific promotional offers may include minimum deposit thresholds to qualify for enhanced interest rates.

Deposits exceeding a certain threshold may not be eligible for the Booster Bonus rate and will earn the standard interest rate.

3.3 Withdrawals & Transfers

Withdrawals and transfers from the Savings Account can only be made to the Client’s primary Alpian account.

No external third-party transfers are allowed from the Savings Account.

Withdrawals are processed instantly unless otherwise specified due to operational constraints.

Withdrawing funds during the Booster Bonus period may affect eligibility for the enhanced interest rate.

4. Fees & Charges

The Savings Account is free of maintenance fees.

Alpian reserves the right to introduce or amend fees with prior notice, as per regulatory requirements.

No penalties apply for withdrawals, but withdrawing during a promotional Booster Bonus period may impact bonus eligibility.

5. Account Usage Restrictions

The Savings Account is intended solely for personal savings purposes.

The account may not be used for business or commercial transactions.

Alpian reserves the right to close the Savings Account if misuse is detected.

6. Modifications & Interest Rate Adjustments

Alpian reserves the right to modify these T&Cs at any time.

Changes, including adjustments to the interest rate, will be communicated via the Alpian app, website, or email at least 10 days in advance, unless an immediate change is required by law or regulation.

Booster Bonus rates are promotional and can be discontinued or adjusted at Alpian’s discretion with appropriate notice.

7. Regulatory Compliance & Reporting

The Client acknowledges that Alpian is subject to Swiss financial regulations and may be required to report account details to regulatory authorities.

The Client is responsible for complying with their own tax obligations and must declare interest income as required by applicable tax laws.

8. Liability

Alpian shall not be liable for any losses incurred due to fluctuations in interest rates.

Alpian is not responsible for any losses resulting from unauthorized access to the Client’s Savings Account unless due to gross negligence by Alpian.

Alpian reserves the right to modify or terminate any promotional Booster Bonus rates at its discretion, and will not be held liable for changes impacting expected returns.

9. Termination & Account Closure

The Client may close their Savings Account at any time.

Alpian reserves the right to terminate the Savings Account with prior notice in case of:

Breach of these T&Cs.

Regulatory or compliance concerns.

Fraudulent or suspicious activities.

Upon closure, the remaining balance will be transferred to the Client’s Alpian primary account.

Any accrued but unpaid interest, including Booster Bonus interest, will be forfeited upon account closure.

10. Governing Law & Jurisdiction

These T&Cs are governed by Swiss law. Any disputes arising out of or in connection with these T&Cs shall be subject to the exclusive jurisdiction of the courts of Geneva, Switzerland.

For further information or inquiries, please contact Alpian’s customer support via the app.