General Terms and Conditions (GTC)

1. Scope and provider

These General Terms and Conditions (the “GTC”) govern the use of the web application “Batzi” (the “App” or “Service”), available at batzi.ch.

Provider:
Alexander Seibold (sole proprietorship)
Lohningerweg 44
8240 Thayngen
Switzerland
E-mail: info@batzi.ch

By registering a user account, the user (the “User”) accepts these GTC. Use of the App requires consent to these GTC.

Target audience: The App is aimed at private households resident in Switzerland and in the Principality of Liechtenstein. All comparison calculators, tariffs and reference values relate to Swiss conditions, all billing is exclusively in Swiss francs, and the Provider does not advertise the offering in EU states. The App’s ten languages are an offering to Switzerland’s resident population, not a targeting of foreign markets (see clause 2 of the Privacy Policy). Use from abroad is technically possible, but the Provider does not direct its offering there. Opening an account requires residence in Switzerland or the Principality of Liechtenstein. It is declared at registration (country and postcode) and verified against the billing address when the subscription is taken out; payments with a billing address outside these countries are not accepted and are refunded in full.

Fair trading and transparency (UCA): Statements about the scope of functions, the price and the characteristics of the App are truthful and non-misleading within the meaning of the Swiss Federal Act against Unfair Competition (UCA). Prices are shown as final prices in Swiss francs before checkout; the automatic renewal of the subscription is stated clearly before purchase (clause 4). Comparison values in the App come from official sources (including the FOPH, FTA, FSO, ElCom and the Price Supervisor) and are shown with source and status.

2. Description of services

Batzi is a budget planning app for private individuals in Switzerland. The App allows users to create household budgets, record income and expenses, split budgets and view comparison data (health insurance premiums, taxes, rents, electricity tariffs, etc.).

The App offers two tiers of use:

• Free: One budget plan, basic budgeting functions, Swiss price comparisons.
• Premium (subscription): Access to the Premium functions available at any given time (e.g. unlimited budgets, PDF export, sharing, push notifications) for the duration of the subscription. Prices are clearly stated on the website.

The Provider reserves the right to extend, adapt or restrict the scope of functions at any time, provided this is reasonable for the User. There is no entitlement to any particular individual function; Premium access entitles the User to use the scope of functions available at the time.

Planning calculators: In addition to the comparisons, the App contains calculators for long-term planning (saving, saving for children, pillar 3a, capital drawdown). These do not work with market data but with the Provider’s model assumptions on return, fluctuation, costs and inflation. The assumptions are set out in full below every result and do not relate to any particular investment product. Alongside a realistic and an optimistic path, the calculators always also show an unfavourable one; they do not predict the future and do not promise any outcome.

Delimitation of the scope of services: Batzi does not provide

• banking services or payment processing. The “accounts” and “transfers” kept in the App are purely planning figures. No payment transactions take place via Batzi, and the Provider has no access to the User’s bank accounts.

  The User may upload bank statements obtained from their own bank as a file so that Batzi can assign the transactions they contain to budget items. Batzi does not connect to the bank for this purpose, does not request banking credentials and does not retrieve accounts. The sentence in the preceding paragraph therefore remains fully valid.

• investment advice or asset management within the meaning of the Swiss Financial Services Act (FinSA). The planning calculators do not recommend, name or replicate any financial instrument; they take account neither of the User’s knowledge and experience nor of their investment objectives or financial circumstances.
• insurance mediation or insurance advice within the meaning of the Swiss Insurance Supervision Act (ISA). The health insurance and deductible comparisons are purely informational presentations without any recommendation of a particular provider.
• tax advice. The tax calculators reproduce publicly available tariffs and replace neither a tax return nor professional advice.
• credit, mortgage or other financial intermediation. Affordability and mortgage calculators serve orientation purposes only.
• legal advice.

All information, comparisons and automatically generated notes (e.g. saving tips) displayed in the App serve information purposes only and do not constitute financial advice. Batzi is not an institution supervised by FINMA.

3. Registration and user account

Use of the App requires registration with a name, e-mail address and password. The e-mail address must be confirmed (verification). In addition, two-factor login with an authenticator app must be set up for every account; without it, the App cannot be used.

The User undertakes to provide truthful information and to keep their access credentials confidential. The User is liable for all activities that take place under their account, including where access credentials are passed on to third parties.

The contract between the User and the Provider comes into being upon successful registration and consent to these GTC.

4. Prices and payment

The free tier is free of charge. Premium access is a subscription with a selectable term of one month or one year. The current price is shown clearly and in full in Swiss francs (CHF) on the payment page before checkout. This is the final price; the Provider is not subject to VAT.

Renewal and cancellation: The subscription renews automatically for the chosen term unless it is cancelled effective at the end of the current period. Cancellation is possible at any time without giving reasons via the customer portal in the settings and takes effect at the end of the paid term. Full access remains until then; there is no pro-rata refund of terms already paid.

Price changes: Price changes take effect no earlier than the next renewal. They are announced by e-mail at least 30 days in advance; anyone who does not agree may cancel up to the end of the current period.

Failed payments: If a charge fails, the payment service provider retries it. Access remains during a short grace period; after that, the Premium functions are suspended until payment is made. The User’s own data remains readable and exportable.

After the subscription ends, the account and the User’s own data remain in place and exportable (clause 12); only the Premium functions are suspended. A new subscription can be taken out at any time.

One-off purchases made before 2 September 2026 retain their full access indefinitely. The commitment made at the time – no subsequent conversion into a subscription, no second payment for functions already unlocked – continues to apply unchanged to those purchases.

Payments are processed by the payment service provider Stripe (Stripe Inc., USA). The Provider does not receive any credit card data. The Stripe terms of service apply in addition.

Premium access is activated immediately after successful payment. The User receives a confirmation by e-mail.

5. Right of withdrawal

Under Swiss law (Art. 40a et seq. of the Swiss Code of Obligations) there is no statutory right of withdrawal for online purchases. The contract is concluded upon payment and Premium access is activated immediately. Independently of this, the subscription can be cancelled at any time effective at the end of the term (clause 4).

The Provider grants a goodwill arrangement voluntarily and without any legal entitlement: should the User be dissatisfied with the Service within 14 days of purchase, they may contact info@batzi.ch by e-mail. The Provider decides at its own discretion on any refund. There is expressly no legal entitlement to a refund.

6. Availability, further development and force majeure

The Provider endeavours to make the App available with as few interruptions as possible. There is no entitlement to permanent availability. Maintenance work, technical faults or force majeure may lead to temporary restrictions. Support is provided by e-mail; no particular response or resolution time is guaranteed.

Further development: The Provider may develop the App further and change, replace or discontinue individual functions. The following commitments apply to Premium access:

• Premium access is tied to the user account. During a current, paid period neither the price is increased nor are additional costs charged; changes take effect no earlier than the next renewal (clause 4).
• If a material Premium function is discontinued, it will be replaced by an equivalent one, or its removal will be announced at least 30 days in advance. The decisive functions are the core functions described at the time the subscription was taken out, in particular the comparison calculators, the budget-versus-actual comparison and the data export.
• The comparison calculators are based on third-party data (including the FOPH, FTA, FSO, ElCom and the Price Supervisor). If one of these bodies changes its publication practice or discontinues a data series, the corresponding comparison may cease to be available or may only be shown with an older status. The stated status of the data will be adjusted accordingly. This does not give rise to any entitlement to a refund.
• The data export remains available for as long as the account exists. If the Provider discontinues the Service entirely, this will be announced at least 60 days in advance so that users can export their own data.

Force majeure: The Provider is not liable for delays or failures in performance caused by circumstances beyond its reasonable control. These include in particular natural disasters, pandemics, power failures, network failures, cyberattacks, official orders or failures of third-party providers.

7. Liability, exclusion of liability and indemnification

The App serves exclusively as a planning and information tool. Use of the App does not constitute financial advice, tax advice, legal advice or any other professional advice.

Comparison data: The comparison data displayed in the App (health insurance premiums, tax rates, rents, electricity tariffs, ancillary costs, commuting costs, mortgage interest rates, etc.) come from publicly accessible sources (FOPH, FTA, FSO, ElCom, Price Supervisor and others). All information is provided without warranty. The Provider accepts no liability for the accuracy, completeness or timeliness of this data.

Calculations: The calculations carried out in the App (budget allocations, savings goals, affordability calculations, etc.) are based on the data entered by the User and serve orientation purposes only. They do not replace expert advice. For the planning calculators the following also applies: the paths shown are model calculations based on the Provider’s assumptions, neither a promise nor a prediction. Actual investments fluctuate, losses up to the capital invested are possible, and no future return can be derived from past returns.

Interpretation of uploaded files. Batzi reads bank statements automatically and proposes an assignment to budget items. Bank formats are inconsistent and payment references are ambiguous. Batzi therefore gives no warranty that a file will be read correctly, that an amount will carry the correct sign or that a transaction will be assigned correctly. The User checks the preview before accepting it; the bank statement issued by their bank remains decisive in every case. The analysis in Batzi replaces neither the bank statement nor bookkeeping nor a tax return.

The Provider is liable only for damage attributable to intent or gross negligence. Liability for slight negligence is excluded to the extent permitted by law. In any event, liability is limited to the purchase price paid by the User.

Excluded, to the extent permitted by law, is in particular liability for indirect damage, consequential damage, lost profit, loss of data or damage arising from loss of use.

Data backup: The User is responsible for backing up their data regularly (e.g. via PDF export). The Provider accepts no liability for the loss of user data unless the loss is attributable to intent or gross negligence on the part of the Provider.

Third-party providers: The App uses third-party services (e.g. Stripe for payments, Infomaniak for hosting, Brevo for sending e-mail, Meta and Google for advertising measurement subject to consent). The Provider is not liable for outages, errors or data losses caused by these third-party providers.

The Provider is not liable for damage caused by force majeure, technical faults of third parties or by improper use of the App or use in breach of contract.

Indemnification: Where the User records data about third parties or grants them access (e.g. when sharing a budget or recording details of family members or flatmates), the User is responsible for ensuring that they are entitled to do so. The User indemnifies the Provider against all third-party claims, including reasonable legal and court costs, arising from the User’s unlawful use of the App, use in breach of contract or use in violation of third-party rights.

8. Data protection and anonymised analyses

The Provider processes personal data in accordance with the Swiss Federal Act on Data Protection (FADP). How and for what purposes this is done is set out in the Privacy Policy.

The Privacy Policy is information within the meaning of Art. 19 FADP and is not part of these GTC. It is not agreed alongside them, and amending it does not constitute an amendment of these GTC. Where processing requires consent, for example for analytics and advertising cookies, that consent is obtained separately and by category. It is voluntary, may be withdrawn at any time, and use of the App does not depend on it.

Anonymised analyses: The Provider is entitled to analyse usage and budget data in anonymised and aggregated form in order to improve the App and to publish statistical statements about Swiss household budgets (e.g. for media enquiries or specialist articles). The following rules apply and are binding:

• Only aggregates are analysed, never individual households.
• Names, e-mail addresses, notes and identifiers are neither analysed nor published.
• Analysis groups with fewer than 20 households are suppressed entirely.
• Every published figure is reported together with the underlying number of cases.

Conclusions about individual users are therefore impossible. Anonymised data is not personal data; the Provider’s right to use it exists without time limit and continues beyond the end of the user relationship. User data is not sold or passed on to third parties for advertising purposes, not even in anonymised form.

9. Intellectual property

All rights in the App, including source code, design, texts, graphics and trademarks, remain with the Provider. Registration grants the User a non-exclusive, non-transferable right of use for personal purposes.

It is prohibited to copy, decompile or resell the App or parts of it, or to use it for commercial purposes.

10. User obligations

The User undertakes:

• to use the App only for personal, non-commercial purposes;
• not to provide false or misleading information when registering;
• to keep their access credentials confidential and not to pass them on to third parties;
• not to misuse the App (e.g. automated access, scraping, overload attacks);
• not to decompile or reverse-engineer the App or extract its source code;
• not to distribute unlawful content via the App;
• to upload only bank statements relating to their own account or to an account over which they have power of disposal. The User is not entitled to upload third-party statements, and doing so is prohibited.

In the event of breaches of these obligations, the Provider is entitled to block the user account temporarily or permanently without prior notice. In serious cases (e.g. misuse, unlawful use) the Provider is entitled to terminate without notice. There is no entitlement to a refund in such cases.

11. Notifications, marketing and independence

The Provider sends operationally necessary e-mails, in particular to verify the e-mail address, to reset passwords, to confirm purchases and to announce material changes. These messages form part of the performance of the contract and cannot be unsubscribed from for as long as the user account exists.

In addition, the Provider sends budget reminders and notes by e-mail and, subject to separate activation, as push notifications. E-mail notifications are enabled by default, push notifications only after express consent. Both channels can be disabled at any time in the App settings.

Analytics and advertising cookies are loaded only after express consent given separately by category. Consent may be withdrawn at any time via the corresponding link in the footer. Details are set out in the Privacy Policy.

Independence: The Provider receives no commissions, brokerage fees or other benefits from the compared providers for the comparisons shown in the App (health insurers, taxes, electricity, rent, ancillary costs, commuting costs, mortgages) or for the planning calculators (saving, saving for children, pillar 3a, capital drawdown). The selection and order of results are not for sale. The return assumptions used by the planning calculators are not paid for, sponsored or influenced by any third party. Should the Provider enter into paid partnerships or use referral links in future, this will be clearly marked as advertising or a paid partnership at the relevant point in the App.

12. Account deletion and termination

The User can delete their account at any time in the App settings. Alternatively, deletion can be requested by e-mail to info@batzi.ch. Deleting the account irrevocably deletes all user data.

Deleting the account ends a current subscription; it will not renew further. Terms already paid are not refunded pro rata.

The Provider is entitled to discontinue the Service subject to at least 60 days’ notice (clause 6). In this case users will be informed by e-mail and given the opportunity to export their data.

13. Amendments to the GTC

The Provider reserves the right to amend these GTC at any time. Material amendments will be communicated to users at least 30 days before they take effect, by e-mail or in the App.

Amended GTC apply only once the User consents to them. The App obtains that consent at the next sign-in and records the version and the time. Anyone who does not consent cannot continue to use the App; the account and the data export remain available, and the User may end the user relationship at any time.

The current version of the GTC can be viewed at any time at batzi.ch/agb.

14. Applicable law and place of jurisdiction

Swiss law applies exclusively, to the exclusion of its conflict-of-law rules and of the UN Convention on Contracts for the International Sale of Goods (CISG).

The place of jurisdiction is Schaffhausen, Switzerland. Mandatory statutory places of jurisdiction in favour of consumers pursuant to Art. 32 of the Swiss Civil Procedure Code remain reserved.

15. Miscellaneous provisions

Languages: These GTC are provided in every language in which the App can be operated. The German version is binding; the other languages are translations and serve ease of understanding. Where a translation and the German version differ, the German version prevails, and the User is informed of this at the beginning of every translation.

Severability clause: Should individual provisions of these GTC be or become invalid or unenforceable, the validity of the remaining provisions remains unaffected. The invalid provision shall be replaced by a provision that comes closest to the economic purpose of the invalid provision.

Assignment: The User may not transfer rights and obligations under this contract to third parties without the Provider’s prior consent. The Provider is entitled to transfer the contract in the course of a restructuring (e.g. conversion of the sole proprietorship into a corporation) or a transfer of the business to a legal successor. The User will be informed at least 30 days in advance and may end the user relationship at any time in such a case.

Entire agreement: These GTC constitute the entire agreement between the User and the Provider and supersede all prior arrangements on the same subject matter. There are no verbal side agreements. The Privacy Policy is not part of this agreement (see clause 8).

Notices: Notices from the Provider to the User are given via the App or to the e-mail address last provided. Notices from the User to the Provider are to be sent to info@batzi.ch.

16. Contact

If you have any questions about these GTC or about the App, please contact: info@batzi.ch