General Terms and Conditions (GTC) of innoVorsorge AG
Last updated: April 2026
These General Terms and Conditions (hereinafter "GTC") govern the business relationship between innoVorsorge AG, based in Rüti ZH, and its clients (hereinafter "Clients") in connection with the offered coaching and planning services relating to retirement, private provision, and personal financial planning.
1. Scope of Application
1.1 These GTC apply to all services of innoVorsorge AG, in particular for:
- Strategy meeting (initial consultation / assessment)
- Retirement & Financial Planning
- Provision & Protection Analysis
- Budget & Savings
- Investment Coaching (also referred to on the website as "Investment Consulting" — see Section 3)
- Real Estate & Mortgage Consulting
- Individual Consulting
- Follow-up and recurring meetings, workshops, webinars, and written evaluations
1.2 Individual written agreements, offers, or order confirmations take precedence over these GTC in case of conflict. Otherwise, the provisions of the Swiss Code of Obligations (CO) apply supplementarily, in particular the rules on simple mandates (Art. 394 ff. CO).
1.3 Deviating or supplementary conditions of the Client shall not become part of the contract, even if innoVorsorge AG does not expressly object to them.
2. Subject Matter and Services
2.1 innoVorsorge AG supports the Client through coaching, knowledge transfer, and individual planning work in the areas of retirement, provision (pillars 1, 2, and 3), taxes, real estate, and financial planning in a broader sense.
2.2 The services are provided in the form of meetings (on-site, by phone, or via video call), written evaluations, calculations, scenarios, and overviews. The nature, scope, and form of the respective service arise from the booked service, the offer, or the individual agreement.
2.3 innoVorsorge AG owes diligent performance within the meaning of Art. 398 CO, but no specific result. In particular, no specific financial, tax, or provision-related outcome is guaranteed.
3. Coaching Nature — No Investment Advice, No Investment Recommendation
This section is central to understanding the services of innoVorsorge AG.
3.1 The activity of innoVorsorge AG is expressly understood as coaching, knowledge transfer, and personal planning support. innoVorsorge AG does not provide investment advice, asset management, insurance brokerage within the meaning of the VAG, or any specific, action-guiding investment recommendation.
3.2 All products, providers, strategies, allocations, returns, sample portfolios, calculations, or scenarios mentioned in the context of coaching, a meeting, a workshop, or a written evaluation serve solely for illustrative purposes. They are examples, general market information, or personal experiences of the respective advisor and never a personalized investment recommendation within the meaning of the Financial Services Act (FIDLEG).
This applies expressly to the service offered on the innoVorsorge AG website under the term "Investment Consulting": The name serves solely as a generally understandable description of the subject area. In terms of content, it is coaching, knowledge transfer, and sparring on investment strategies without any action-guiding recommendation for specific financial instruments.
3.3 The Client acknowledges and expressly accepts that:
- no statement by innoVorsorge AG — whether oral or written — is to be understood as a request, recommendation, or advice to buy, sell, or hold a specific financial instrument, insurance, real estate, or other asset;
- all investment, provision, and financial decisions are made independently by the Client;
- innoVorsorge AG assumes no responsibility and no liability for the economic consequences of such decisions;
- for specific investment decisions, a separate professional assessment must be obtained from an authorized entity (licensed asset manager, bank, FINMA-approved investment advisor, tax or legal advisor).
3.4 If necessary, innoVorsorge AG refers the Client to specialized professionals (e.g., tax advisors, legal advisors, licensed investment advisors, notaries, architects, insurers). The selection, engagement, and compensation of these third parties shall in any case be handled directly between the Client and the respective professional; innoVorsorge AG acts solely as a referral source and assumes no responsibility for their services.
4. Regulatory Status
4.1 innoVorsorge AG is not a financial service provider within the meaning of Art. 3 lit. c FIDLEG. The offered coaching and planning services do not include the acquisition or sale of financial instruments, the acceptance or transmission of orders, asset management, investment advice in the regulatory sense, nor the granting of loans for carrying out transactions with financial instruments.
4.2 Accordingly, innoVorsorge AG is not subject to FINMA supervision and is not registered in the advisor register pursuant to Art. 28 ff. FIDLEG. There is also no obligation to join an ombudsman's office pursuant to Art. 74 ff. FIDLEG for the aforementioned reasons.
4.3 innoVorsorge AG is also not an insurance broker within the meaning of Art. 40 ff. VAG and does not engage in any brokerage activities for insurance companies.
4.4 Should the legal framework change and a registration or supervision become necessary for the activities of innoVorsorge AG, innoVorsorge AG will initiate the necessary steps and inform the Client accordingly.
5. Fee Basis and Independence
5.1 innoVorsorge AG works exclusively on a fee basis. The fee is agreed directly with the Client and paid by the Client.
5.2 innoVorsorge AG does not accept any commissions, retrocessions, trailer fees, kickbacks, or other monetary benefits from banks, insurance companies, asset managers, product providers, or other third parties. innoVorsorge AG is neither financially nor organizationally affiliated with product providers.
5.3 Should third-party compensation nevertheless accrue in an individual case — for example, because a third party pays such compensation unsolicited — it will be transparently disclosed to the Client and fully passed on or offset against the fee.
6. Client's Duty to Cooperate
6.1 The quality of innoVorsorge AG's services directly depends on the completeness and accuracy of the information provided by the Client. The Client undertakes to provide all information, documents, and extracts relevant to the consulting and planning (in particular AHV statement, BVG pension fund statement, Pillar 3a documents, bank and custody account statements, tax documents, real estate documents) completely, correctly, and in a timely manner.
6.2 Material changes in personal, family, professional, health, or financial circumstances that may be relevant to ongoing planning must be communicated to innoVorsorge AG without delay.
6.3 The Client is responsible for the timely implementation of agreed measures and for compliance with statutory deadlines (e.g., pension fund purchases, withdrawal of pension assets, tax declaration).
6.4 innoVorsorge AG relies on the information provided by the Client and is not obliged to independently verify its accuracy and completeness. innoVorsorge AG assumes no liability for damages resulting from incomplete, incorrect, or delayed information.
7. Fees, Invoicing, and Payment Terms
7.1 The prices published at www.innovorsorge.ch at the time of booking or contract conclusion apply, or the fees agreed in an individual offer. Hourly-based mandates (e.g., Real Estate & Mortgage Consulting, Individual Consulting) are billed at the respective published hourly rate. All prices are inclusive of statutory VAT unless stated otherwise.
7.2 innoVorsorge AG invoices the fee after the service has been rendered. For extensive mandates, an advance payment may be requested. Expenses (postage, travel expenses, third-party fees) are shown separately.
7.3 Invoices are due for payment within 30 days of the invoice date without deduction.
7.4 In case of late payment, innoVorsorge AG is entitled, without further reminder, to charge default interest of 5% p.a. (Art. 104 CO) and a reminder fee of CHF 30.— per reminder. The costs of any collection proceedings shall be borne by the defaulting Client.
7.5 innoVorsorge AG is entitled to postpone or refuse further services until outstanding invoices are paid in full.
7.6 innoVorsorge AG reserves the right to adjust its prices. Price changes take effect for newly booked services from the date of publication on www.innovorsorge.ch.
8. Appointments, Cancellation, and Non-Appearance
8.1 Appointments are binding. Postponements and cancellations must be communicated to innoVorsorge AG as early as possible.
8.2 Cost-free cancellation or postponement: no later than 24 hours before the agreed appointment (for Monday appointments by Friday 5:00 PM).
8.3 In case of late cancellation or non-appearance ("no-show"), innoVorsorge AG is entitled to charge the full fee for the reserved time slot.
8.4 For multi-day events, workshops, or seminars, different cancellation conditions apply, which will be stated in the respective registration confirmation.
8.5 If the Client is late, the consulting time is shortened accordingly; an extension is only possible if the subsequent schedule permits.
9. Communication and Electronic Data Transmission
9.1 Communication between innoVorsorge AG and the Client takes place via email, telephone, video calls (in particular Microsoft Teams, Zoom, or Google Meet), messenger services, or other channels chosen by the Client.
9.2 The Client acknowledges and accepts that the unencrypted electronic transmission of information — particularly by email — involves security risks (interception, manipulation, loss, misaddressing). Anyone who sends sensitive data to innoVorsorge AG unencrypted does so at their own risk.
9.3 innoVorsorge AG is entitled to communicate with the Client in a legally binding manner via the channels mentioned in Section 9.1, in particular to send order confirmations, appointments, evaluations, and invoices.
10. Liability and Disclaimer
10.1 innoVorsorge AG provides its services with the care of a commissioned coach and planner (Art. 398 CO), but owes no specific result. In particular, no guarantee is given for a specific asset development, return, tax savings, pension fund benefit, or specific provision result.
10.2 Since innoVorsorge AG does not provide investment advice or action-guiding recommendations pursuant to Section 3 of these GTC, any liability for the economic consequences of the Client's investment, insurance, provision, or financial decisions is completely excluded. All examples, figures, strategies, and personal experiences mentioned in the context of coaching serve exclusively for knowledge transfer; liability for these is disclaimed to the extent permitted by law.
10.3 Furthermore, to the extent permitted by law, innoVorsorge AG's liability is limited to damages resulting from intent and gross negligence. Liability for slight negligence, indirect damages, consequential damages, lost profits, and damages of third parties is expressly disclaimed.
10.4 Content errors, mistakes, and inaccuracies. innoVorsorge AG is aware that even with careful work, errors, mistakes, calculation or transmission errors, misjudgments, outdated assumptions, or incomplete information may occur — whether in calculations, written evaluations, examples, stated figures, presentations, or oral statements during a meeting, workshop, or coaching session. To the extent that such errors are not due to intent or gross negligence, they are covered by the disclaimer pursuant to Section 10.3 and do not establish any claim for damages against innoVorsorge AG. The Client undertakes to independently verify the plausibility of all evaluations, calculations, and information received from innoVorsorge AG before making any decision based on them, or to have them verified by a suitable third party.
10.5 In particular, innoVorsorge AG is not liable for damages resulting from:
- incorrect, incomplete, or delayed information provided by the Client;
- decisions, actions, or omissions of the Client or third parties engaged by the Client (banks, insurance companies, asset managers, tax, legal or trust advisors, notaries, architects, craftsmen, etc.);
- Änderungen der Gesetzgebung, der Rechtsprechung, der Verwaltungspraxis, tax practice, interest rates, der Finanzmärkte oder sonstiger äusserer Umstände nach Erbringung der Leistung;
- the use of third-party information, third-party software, market data, projection tools, or provision simulations that innoVorsorge AG itself obtains from external providers;
- transmission errors, delays, or data loss in electronic communication pursuant to Section 9;
- force majeure within the meaning of Section 14.
10.6 To the extent that innoVorsorge AG engages assistants (Art. 101 CO), liability is limited to the same extent as for its own actions.
10.7 Claims for damages against innoVorsorge AG must be asserted in writing within 6 months of becoming aware of the damage and its cause, otherwise they shall be forfeited. Longer statutory limitation periods are reserved.
11. Confidentiality and Data Protection
11.1 innoVorsorge AG treats all information about clients as strictly confidential and processes personal data in accordance with the revised Swiss Data Protection Act (revDSG) as well as the data protection declaration of innoVorsorge AG (available at www.innovorsorge.ch/privacy).
11.2 Furthermore, innoVorsorge AG voluntarily submits to the principles of Swiss banking confidentiality and treats client data with the same care as a bank.
11.3 Data is passed on to third parties only with the express consent of the Client or insofar as innoVorsorge AG is legally, administratively, or judicially obligated to do so.
11.4 innoVorsorge AG retains files, correspondence, and evaluations for at least 10 years (Art. 962 CO), but no longer than until the statute of limitations for any claims.
11.5 The Client has the right at any time to request information, correction, and — within the scope of statutory provisions — deletion of the personal data processed about them. The data protection declaration regulates the details.
12. Processing by Third Parties and Outsourcing
12.1 innoVorsorge AG is entitled to outsource individual business processes — in particular accounting, IT infrastructure, cloud services, financial planning software, office tools, email hosting, payment processing, and marketing and communication services — to carefully selected service providers in Switzerland or abroad.
12.2 innoVorsorge AG contractually obligates these service providers to comply with data protection regulations and ensures that the level of protection corresponds to the revDSG. For outsourcing abroad, an adequate level of data protection within the meaning of Art. 16 revDSG is guaranteed.
12.3 A list of the main data processors used is part of the data protection declaration.
13. Copyright and Use of Documents
13.1 All evaluations, calculations, scenarios, concepts, presentations, checklists, tools, and other documents created by innoVorsorge AG are protected by copyright. The copyright and all usage rights remain with innoVorsorge AG.
13.2 The Client receives a non-transferable, non-exclusive right of use for personal purposes for the documents created in the context of an assignment. Reproduction, disclosure to third parties, publication, commercial exploitation, or modification is only permitted with the prior written consent of innoVorsorge AG.
13.3 The unedited disclosure to the Client's co-advising professionals (tax advisor, legal advisor, bank, pension fund) for the purpose of implementing the agreed measures is exempt from this, insofar as this is necessary for the fulfillment of the mandate.
13.4 innoVorsorge AG is entitled to reference completed mandates in the context of marketing, training, and professional publications, provided that no conclusions can be drawn about the Client's identity. Names or images in references are used only with express consent.
14. Force Majeure
14.1 innoVorsorge AG is not liable for non-performance or delayed performance of services to the extent that these are due to events of force majeure. Force majeure includes in particular natural events, pandemics, official orders, strikes, war, long-term power outages, serious disruptions to telecommunications or IT infrastructure, and cyberattacks on third-party systems used.
14.2 In the event of prolonged force majeure, both parties are entitled to withdraw from the contract. Services already rendered shall be compensated proportionally.
15. Termination of the Business Relationship
15.1 The business relationship may be terminated by either party at any time in writing (including by email) with immediate effect. Different individual agreements regarding ongoing projects are reserved.
15.2 Services already rendered shall be fully compensated in any case. Any outstanding amounts become due immediately upon termination.
15.3 The provisions on confidentiality, data protection, copyright, liability, and place of jurisdiction remain in force beyond the termination of the business relationship.
16. Acceptance of the GTC
16.1 By booking an appointment, accepting an offer, registering for an event, or using a service of innoVorsorge AG for the first time, these GTC are deemed to have been read, understood, and accepted by the Client.
17. Amendments to the GTC
17.1 innoVorsorge AG reserves the right to amend these GTC at any time. The current version is published at www.innovorsorge.ch/terms.
17.2 Material changes will be communicated to existing Clients in an appropriate form (e.g., by email or notice in the next consulting meeting). They are deemed accepted if the Client does not object in writing or terminate the business relationship pursuant to Section 15 within 30 days.
18. Severability Clause
18.1 Should individual provisions of these GTC be or become wholly or partially invalid, void, or unenforceable, the validity of the remaining provisions shall remain unaffected.
18.2 The invalid provision shall be replaced by the legally permissible regulation that comes closest to the economic purpose of the invalid provision. The same applies analogously in the event of a contractual gap.
19. Applicable Law and Place of Jurisdiction
19.1 These GTC and all legal relationships between innoVorsorge AG and the Client are governed exclusively by Swiss law, excluding conflict of law provisions and the United Nations Convention on Contracts for the International Sale of Goods (CISG).
19.2 The exclusive place of jurisdiction is the registered office of innoVorsorge AG in Rüti ZH. Mandatory places of jurisdiction under Swiss law (in particular those under the Federal Act on Private International Law and the Swiss Civil Procedure Code in favor of consumers) are reserved.
innoVorsorge AG
Joweid Zentrum 1
8630 Rüti ZH
kontakt@innovorsorge.ch
+41 55 263 12 50
www.innovorsorge.ch
Last updated: April 2026