General Terms and Conditions

Northlake Partners provides advisory and brokerage services in the areas of insurance, wealth management, retirement and financial planning, and real estate. The specific scope of services derives from each individual mandate agreement. Where no separate agreement exists, these GTC apply as the framework for our services.

Northlake Partners works exclusively in the interest of its clients. We take the time to fully understand your situation, your goals, and your risk appetite before making recommendations. Our advice is provided with the diligence of an ordinary businessperson and in compliance with all applicable supervisory requirements (in particular VAG, FIDLEG, FinSA, GwG).

Northlake Partners is an independent advisory firm. We are not part of any insurance or banking group and are not tied to any single insurer or bank. We compare offers from leading providers objectively and recommend solutions that fit your individual situation.

Our remuneration is based on the individual mandate agreement, either as advisory fees (fee-based advice), as commissions from insurers and banks (brokerage commission), or a combination of both models. Specific terms are set out in writing before mandate commencement and disclosed transparently. For brokerage commissions, we provide a complete overview of commissions received upon request.

Northlake Partners and its employees are bound by strict confidentiality regarding all client data and business relationships. This obligation extends beyond the end of the mandate. Sharing of client data with third parties occurs only with your express consent or based on legal obligations.

The processing of your personal data takes place in accordance with our separate Privacy Policy, which forms an integral part of these Terms. By granting a mandate, you confirm that you have taken note of the Privacy Policy.

Northlake Partners GmbH is registered as an unaffiliated insurance broker with the Swiss Financial Market Supervisory Authority FINMA (authorisation number F01563972). We meet the regulatory requirements under VAG, FIDLEG, and FinSA and are subject to ongoing FINMA supervision.

Northlake Partners is liable for damages arising from breaches of material contractual obligations and for damages based on intent or gross negligence. Liability for slight negligence in ancillary obligations is excluded to the extent legally permissible. In particular, we assume no liability for market developments beyond our influence (price risks, interest rate changes, third-party insurance benefits).

Advisory and brokerage mandates may be terminated by either party subject to the agreed notice period. If no individual notice period is agreed, a 30-day notice period to the end of the month applies. Termination for cause (e.g., loss of trust, serious breach of duty) is possible without notice.

If you are dissatisfied with our services, please contact us directly: [email protected] or by phone at +41 44 257 10 00. We take complaints seriously, document them, and respond within 14 days as a rule.

Should we be unable to reach an out-of-court agreement, the Swiss insurance industry ombudsman is available to you:

Foundation Ombudsman of Private Insurance and Suva In Gassen 14 · 8001 Zurich www.ombudsman-assurance.ch

All contracts between Northlake Partners and its clients are governed exclusively by Swiss law, to the exclusion of conflict-of-law provisions, where permissible.

Place of jurisdiction for all disputes arising from or in connection with mandate relationships is Zurich (CH), unless mandatory consumer-protection provisions specify a different jurisdiction.

Should individual provisions of these GTC be or become wholly or partially invalid, the validity of the remaining provisions shall remain unaffected. The invalid provision shall be replaced by an effective regulation that comes as close as possible to the economic purpose of the invalid provision.