Terms and Conditions of Use and Services

1. Company Information

BCVS operates as a regulated financial services institution in Switzerland and complies with all applicable legal, regulatory, and ethical standards in the provision of its services.

• Company Name: Valais Cantonal Group (BCVS)
• Registered Office: Place des Cèdres 8, 1951 Sion, Switzerland
• Email: info@bcve.ch
• Phone: +41 81 333 00 01

2. Scope and Purpose

These Terms and Conditions define the rules governing access to and use of the BCVS website and its financial services. They aim to ensure a secure, transparent, and professional user experience.

3. Website Access and Availability

Access to the website is provided free of charge. BCVS reserves the right to modify, suspend, or discontinue any part of the website at any time without prior notice.

4. Services Provided

BCVS offers a comprehensive range of financial products and services tailored to individual and business needs.

• Financial consulting and advisory services
• Personal, business, and mortgage financing solutions
• Investment management and portfolio services
• Professional and personalized client support

All information provided on this website is for informational purposes only and does not constitute a binding contractual offer.

5. User Obligations

By using the BCVS website, users agree to comply with the following obligations:

• Provide accurate, complete, and up-to-date information
• Respect applicable laws and regulations
• Avoid any activity that may disrupt website operations
• Refrain from fraudulent or abusive behavior

6. Intellectual Property

All content published on this website, including texts, graphics, logos, and software, is protected by intellectual property laws and remains the exclusive property of BCVS.

7. Personal Data and Privacy

In the context of service provision, BCVS may collect and process the following categories of personal data:

• Identification data (name, date of birth)
• Contact information (email, phone number)
• Residential and billing addresses
• Financial and transactional information

Personal data is processed in accordance with our Privacy Policy and is never sold or disclosed without legal justification.

8. Payments and Fees

Certain services may be subject to fees. All applicable charges are communicated transparently before any contractual commitment.

9. Cancellation and Refund Policy

Requests for cancellation must be submitted in writing through official communication channels.

Each request is reviewed individually in accordance with contractual and regulatory requirements.

10. Limitation of Liability

BCVS shall not be held liable for direct or indirect damages resulting from the use of its services.

Users remain solely responsible for their financial decisions and investments.

11. External Links

The website may contain links to third-party platforms. BCVS has no control over their content and assumes no responsibility for their use.

12. Force Majeure

BCVS shall not be liable for failure to perform obligations due to events beyond its reasonable control, including natural disasters, strikes, or system failures.

13. Changes to Terms

BCVS reserves the right to modify these Terms and Conditions at any time. Updated versions will be published on this page.

14. Governing Law and Jurisdiction

These Terms and Conditions are governed by Swiss law. Any dispute shall fall under the exclusive jurisdiction of Swiss courts.