Terms & Conditions

These Terms and Conditions apply to all services offered by Brivantos through the website www.brivantos.com. By using our website, you agree to these terms.

Brivantos Bahnhofstrasse 123 8001 Zurich, Switzerland CHE-123.456.789 Commercial Registry: CH-020.3.123.456-7 Email: info@brivantos.com Phone: +41 44 123 45 67

Brivantos provides exclusively information and educational services: • Providing information about Swiss retirement planning • Educational materials for financial planning • Neutral information platform without advisory character IMPORTANT: We do not provide financial advice, investment advice or regulated financial services.

When using our website, you agree to: • Use the provided information only for personal purposes • Not perform any unauthorized actions • Respect copyrights and other protective rights • Not upload any harmful programs or content

Brivantos assumes no liability for: • Decisions made based on our information • Losses or damages from using our website • The accuracy, completeness or timeliness of all information • Disruptions, failures or technical problems of the website Use is at your own risk.

All website content (texts, images, graphics, design) is protected by copyright: • No reproduction without express permission • No commercial use of content • Quotes only allowed with proper source attribution

The protection of your personal data is important to us. Details can be found in our privacy policy. Processing is carried out in accordance with Swiss data protection legislation and EU GDPR.

We reserve the right to change these terms at any time: • Changes will be published on the website • Separate notification for significant changes • Continued use constitutes agreement to new terms

Swiss law applies to these terms: • Exclusive jurisdiction: Zurich, Switzerland • Applicable law: Swiss law • Language of proceedings: German

Should individual provisions of these terms be invalid, the effectiveness of the remaining provisions remains unaffected. Invalid provisions will be replaced by legally permissible provisions that come closest to the economic purpose.