> For the complete documentation index, see [llms.txt](https://docs.obligate.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.obligate.com/legal/legal-and-regulatory-notices.md). # Legal & Regulatory Notices Version 1.2. Effective as of October 28, 2026. ## 1. REGULATORY NOTICE AMLA Obligate AG is a financial intermediary according to article 2 paragraph 3 of the Swiss Anti-Money Laundering Act (AMLA) and a member of the Financial Services Standards Association (VQF), an Anti-Money Laundering Self-Regulatory Organization (SRO), located at General-Guisan-Strasse 6, 6300 Zug, Switzerland (email: , website: ), regulated and supervised by the Swiss Financial Market Supervisory Authority (FINMA). Therefore, Obligate AG is authorized to provide financial intermediation services, as defined in the AMLA, to its onboarded customers. As an SRO member, Obligate AG is subject to an annual AML audit by [Grant Thornton AG](https://www.grantthornton.ch/en/), Zurich, Switzerland. Obligate AG has been a member of the VQF since November 12, 2020. ## 2. REGULATORY NOTICE FINSA Under the Swiss Financial Services Act (FINSA), relevant employees of Obligate AG are registered client advisors (*Kundenberater*) with BX Swiss Regservices (), authorizing the company to deliver specific financial services through them. Obligate AG does not offer investment advisory or portfolio management services to its customers, nor does it provide any financial services to retail clients as defined under FINSA. Furthermore, Obligate AG does not conduct appropriateness and suitability checks as provided for in FINSA. ## 3. DISCLOSURE STATEMENT While Obligate AG does not issue financial instruments itself, third parties utilize its Infrastructure to issue debt instruments, including eNotes. For the use of this Infrastructure, Obligate AG levies fees on both the issuer and the investor. Furthermore, Obligate AG may act as a product sponsor for financial instruments, such as eTrackers, that onboarded customers can access on the Platform. Consequently, Obligate AG may derive benefits from investments and subscriptions in these financial instruments through management and performance fees, which the issuer charges and forwards to Obligate AG, as further specified in the relevant product documentation. Additional fees for other services may also be applied as separately agreed with the customer. For the specific costs and fees applicable to the individual eNotes and eTrackers, customers should refer to the respective product documentation provided on the Platform. Obligate AG or its subsidiaries or affiliates, and their respective employees, board members, business partners, contractors or other third parties related to them, may also subscribe for, hold, or dispose of the financial instruments that are available to investors on the Platform or that are sponsored by Obligate AG and its subsidiaries or affiliates. ## 4. GENERAL RISKS OF FINANCIAL INSTRUMENTS For a general overview of risks associated with subscribing for, acquiring and/or holding debt instruments, reference is made to the Swiss Banking brochure “Risks Involved in Trading Financial Instruments”, available at (search for “Risks Involved in Trading Financial Instruments”). For the specific risks associated with the individual eNotes and eTrackers, customers should refer to the respective product documentation provided on the Platform. Reference is also made to the specific [Risks section](/obligate/risks.md) on these GitBook Pages. ## 5. CUSTOMER COMPLAINTS HANDLING Obligate AG strives to address all customer complaints in a satisfactory manner. If you are dissatisfied with our service, please contact us via email at . If a complaint regarding a financial service as defined under FINSA is not resolved to your satisfaction, you may contact the Ombudsstelle Finanzdienstleister (OFD), located at Bleicherweg 10, 8002 Zurich, Switzerland (email: , website: ), to pursue a neutral, confidential, and efficient out-of-court dispute resolution. Obligate AG has been affiliated with the OFD since April 16, 2024. ## 6. CONTACT DETAILS Obligate AG\ Mühlebachstrasse 162\ 8008 Zurich, Switzerland\ [Authorized Signatories](https://zh.chregister.ch/cr-portal/auszug/auszug.xhtml?uid=CHE-379.891.298)\ UID: CHE-379.891.298\ VAT number: CHE-379.891.298 MWST\ \ [www.obligate.com](http://www.obligate.com)