Thanks to your personal account with our partner bank, Hypothekarbank Lenzburg (HBL), your money and investments are kept safe. Your investments legally belong only to you and would not be affected in the event of bankruptcy of findependent or HBL. This means that they would not flow into a possible bankruptcy estate. If findependent were to go bankrupt, you could keep your account with HBL and, if you were interested, continue to hold the investments on their terms. Or, of course, you could sell your investments and cash out your money, which is always possible anyway. Incidentally, you also have deposit protection up to CHF 100'000 on your personal account with HBL, which means that in the event of bankruptcy, the liquidity portion of your investment solution would be protected up to this amount.