Terms of Service

1. Services

insurance-guide.ch provides independent insurance advisory services for individuals residing in or relocating to Switzerland. Our services include, but are not limited to:

• Health insurance (KVG/VVG) plan comparison and optimization
• 3rd pillar pension and life insurance advisory
• Tax optimization consulting related to insurance products
• General insurance portfolio reviews

Initial consultations are provided free of charge. Any additional paid services will be agreed upon separately in writing before commencement.

2. No Guarantee

While we strive to provide accurate, up-to-date, and comprehensive advice, insurance-guide.ch does not guarantee specific outcomes, including but not limited to:

• Specific premium savings amounts
• Approval of insurance applications by third-party insurers
• Tax savings (which depend on individual circumstances and cantonal regulations)
• Investment returns on 3rd pillar products

Our advice is informational in nature and should not be considered a substitute for professional legal or tax counsel where required.

3. Liability

insurance-guide.ch shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of our services or the information provided on this website, except in cases of gross negligence or willful misconduct.

We are not responsible for decisions made by third-party insurance companies, nor for changes in legal or regulatory frameworks that may affect the advice previously given.

The information on this website is provided for general informational purposes and may not reflect the most current legal developments.

4. Intellectual Property

All content on this website, including text, graphics, logos, guides, and software, is the property of insurance-guide.ch and is protected by Swiss and international copyright laws. You may not reproduce, distribute, or create derivative works without our written consent.

5. Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of Switzerland, without regard to conflict of law principles.

Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of the City of Zurich, Switzerland.

6. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Continued use of our services after changes constitutes acceptance of the revised terms.

7. Contact

If you have questions about these terms, please contact us:

insurance-guide.ch
Bahnhofstrasse 10, 8001 Zurich
info@insurance-guide.ch