Terms of Use
Rene Steine & Partner GmbH, headquartered in Ettingen (referred to as the “Provider”), operates the internet portal (referred to as the “Portal”) described in this document. These Terms of Use outline the rights and responsibilities of the Provider and the users of the Portal (collectively referred to as “Users”) regarding the use of the Portal and all services provided by the Provider in connection with the Portal.
1. Offer and Usage
On the Portal, the Provider publishes information about financial and insurance products, including service and price comparisons (referred to as the “Information”). The Provider also offers advice and mediation services related to these financial and insurance products, as well as other requested products (referred to as “Advice and Mediation”). Additionally, the Provider sends newsletters to Users via email (referred to as the “Newsletter”). The Offer does not constitute an invitation or recommendation to purchase or acquire any goods or services. The Offer is non-binding for Users.
The Offer is exclusively directed at individuals with legal capacity who are residents of Switzerland. It is provided to such individuals free of charge and without any obligation for personal use. Any use by other individuals or legal entities, as well as any commercial use, is prohibited. Users waive their rights to any commissions or other compensation related to advice and referrals from third parties to the Provider, to the extent permitted by law.
Users do not have a right to use the Portal, and the Provider reserves the right to exclude Users from accessing the Portal at any time without providing reasons. Any use of the Portal that could compromise its proper functioning is prohibited. Users must refrain from excessive use of the Portal, including any automated use.
The Provider has the right to transfer individual or all claims and obligations related to the Offer to third parties in Switzerland and abroad at any time.
2. Quality
The Provider strives to maintain a high level of quality in its Offer. However, the Provider does not provide any direct or indirect guarantees or assurances regarding the quality of the Offer, including the timeliness, accuracy, and completeness of the Information or Newsletters.
Users are obligated to provide only accurate and complete information and data to the Provider in order to maintain the quality of the Offer. Users who provide incorrect or incomplete data to the Provider are fully liable for any direct or indirect damages incurred by the Provider.
Third-party advisors and mediators, whose services are provided to Users by the Provider, are obligated to perform their services with utmost professional competence and care, in compliance with applicable Swiss laws and professional recommendations, guidelines, and other relevant provisions. If Users are unable to receive advice and mediation, the respective advisors and mediators must inform them about alternative options, including free advice and procurement options from the desired financial and insurance product providers.
For information about the quality of the Offer, including advisors and mediators, Users can contact the Provider via email at info@taxreturnswitzerland.ch.
3. Warranty and Liability
The Provider operates the Portal in a professional and diligent manner. However, the Portal may be partially or completely unavailable due to technical reasons or maintenance work. The Provider does not provide any warranty for the functions and services related to the Portal. Users use the Portal at their own risk.
The Provider is liable only for direct damages caused by its own gross negligence or intentional acts. Any further liability of the Provider for direct damages, including those resulting from slight or moderate negligence, is explicitly and fully excluded. The Provider is not liable for indirect damages, consequential damages, or for incorrect, incomplete, or outdated information. The Provider is also not liable for any damages caused by consultants, intermediaries, information, newsletters, or errors in electronic communication.
Additionally, the Provider is not liable if the obligations specified in these Terms of Use are only partially or not fully fulfilled due to force majeure. Force majeure includes events such as assassinations, explosions, riots, wars, civil unrest, fires, floods, natural disasters, epidemics, pandemics, IT security incidents, nuclear accidents, power supply and telecommunications service restrictions or interruptions, strikes, magnetic storms, unforeseen weather conditions, and prohibitions imposed by public authorities. Force majeure also includes the consequences of SARS-CoV-2.
The limitation of liability stated in these Terms of Use applies regardless of the legal grounds. Any other legally binding liability is reserved.
4. Data Protection
General information about the processing of personal data and the rights of individuals whose data is processed in connection with the Portal can be found in the Provider’s privacy policy. If the Provider operates the Portal on behalf of a client, the data protection information on the client’s website also applies. The Provider collects and processes data necessary for operating the service, either on its own behalf or on behalf of the client.
The Provider is subject to Swiss data protection laws and generally stores personal data and other data on infrastructure located in Switzerland. The Provider collects and processes data that Users transmit directly through forms on the Portal, connected apps, or by other means. This data may include names, contact addresses, dates of birth, gender