1. Introduction

Welcome to A.C.E.S. Holding. By accessing our website, using our services, or engaging with us in any capacity, you confirm that you have read, understood, and agreed to these Terms and Conditions (“Terms”).

These Terms govern the relationship between A.C.E.S. Holding (“we,””us,” or “the Company”) and any individual or entity (“you” or “the Client”) who accesses or uses our services. Please read them carefully.

If you do not agree with any part of these Terms, please do not use our services or website.

2. Company Information

A.C.E.S. Holding is a financial holding company registered and operating in Switzerland. We provide services in the following areas:

• Startup Financing
• Business Loans
• Real Estate Investment
• Asset Management

Our registered office and principal place of business is located in Switzerland. All services are subject to applicable Swiss law and Switzerland’s regulations.

3. Services

3.1 Startup Financing

We fund early-stage companies with capital that comes with structure, not just a signature.

3.2 Business Loans

We offer flexible financing built around your real cash flow, not a generic bank formula.

3.3 Real Estate Investment

We find and manage property opportunities that build wealth over time, not overnight promises.

3.4 Asset Management

We protect and grow what you’ve already built, with a strategy made for your goals.

4. Eligibility

Our services are intended for adults (18 years of age or older) who have the legal capacity to enter into binding agreements. Certain services — including private equity — are restricted to high-net-worth individuals and sophisticated investors as defined under applicable Switzerland.

By engaging our services, you represent and warrant that you meet any applicable eligibility criteria and that the information you provide to us is accurate, current, and complete.

5. Nature of Our Services — Important Notice

While A.C.E.S. Holding AG employs qualified professionals with deep expertise in their respective fields, the information and recommendations we provide are based on the specific circumstances, goals, and information each client shares with us.

Nothing on our website, in our communications, or within our service engagements constitutes a guarantee of returns, a promise of specific outcomes, or financial advice as defined under MiFID II or any other regulatory framework, unless a specific regulated advisory agreement is in place.

We strongly encourage all clients to seek independent legal, tax, or financial advice where appropriate.

6. Client Obligations

When engaging with A.C.E.S. Holding AG, you agree to:

• Provide accurate, complete, and up-to-date information at all times.
• Notify us promptly of any material changes to your financial situation, goals, or personal circumstances.
• Use our services only for lawful purposes and in compliance with all applicable laws and regulations.
• Refrain from any conduct that may damage the reputation or operations of A.C.E.S. Holding AG
• Keep your login credentials and any confidential communications secure and confidential.

7. Fees and Payment

Our fee structure varies by service and engagement type. Specific fees will be communicated clearly before any engagement begins, and a formal service agreement will outline all applicable charges.

All fees are stated inclusive or exclusive of applicable taxes (including TVA/VAT) as specified in the relevant agreement. Payment terms, methods, and schedules will be set out in your individual service agreement.

A.C.E.S. Holding AG reserves the right to suspend services in the event of non-payment, without prejudice to any other rights or remedies available to us.

8. Confidentiality and Privacy

We take your privacy seriously — and we take it personally. Any information you share with A.C.E.S. Holding AG is treated with the highest level of discretion.

We do not sell, rent, or share your personal or financial data with third parties for marketing purposes. Data is processed in accordance with our Privacy Policy and applicable data protection laws, including the General Data Protection Regulation (GDPR).

Certain information may be shared with regulated third parties (such as financial institutions or legal advisors) strictly as required to deliver the services you have engaged us for, or as required by law.

9. Intellectual Property

All content on the A.C.E.S. Holding AG website — including text, graphics, logos, and design — is the intellectual property of A.C.E.S. Holding AG and is protected under applicable copyright and trademark law.

You may not reproduce, distribute, or use any content from our website without our express written permission. Personal, non-commercial use for reference purposes is permitted provided attribution is given.

10. Changes to These Terms

A.C.E.S. Holding AG reserves the right to update or modify these Terms at any time. When we do, we will update the “Last updated” date at the top of this page. Where changes are material, we will make reasonable efforts to notify existing clients directly.

Your continued use of our services following the posting of revised Terms constitutes your acceptance of those changes.

11. Contact

If you have any questions about these Terms, or anything else, we’d love to hear from you. We’re real people — and we respond to real questions.

A.C.E.S. Holding AG,
Hellgasse 61, 6460 Altdorf,  Switzerland
[email protected]