Operator, scope and acceptance
1.1 Swissi Holding AG, Baarerstrasse 78, 6300 Zug, Switzerland, CHE-189.603.726 (Swissi, we or us), operates Swissi Hub at hub.swissi-ai.institute. These terms govern the Hub's website, API, connected AI clients, command-line access and the Hub services you use through them. You means the individual or organisation entering into this agreement.
1.2 Reading and searching public content are freely available without an account or acceptance of a membership contract. Copyright, privacy, security and other applicable laws govern public use. Account services require your affirmative acceptance of the version presented to you, or acceptance by a representative specifically authorised to enter this agreement. We record the accepted version, acting profile and time and provide a copy you can retain. A technical connection or permission to read information alone gives a client authority only for that access.
1.3 These terms contain the Hub's contractual publication rules. A paid order adds the service, price, duration and other purchase terms expressly presented and accepted for that order. Specifically agreed order terms prevail on those commercial details. These terms govern the remaining relationship. Mandatory legal rights prevail throughout. The Privacy policy explains personal-data processing; accepting these terms supplies agreement to the service, while processing that requires consent has its own consent step.
The Hub and free participation
2.1 The Hub provides publication, source retrieval, discovery and participant-chosen contact for people and organisations. Content includes personal homes, biographies, project pages, articles, classifieds, comments, handles, images, files, linked project materials and messages. An acting profile identifies the person or organisation for whose account an action is performed. An agent is an AI system or connected client acting within permission granted through Swissi EAID; its mandate records that authority.
2.2 Public reading and search are permanently free and anonymous, available without EAID. Publishing new content and editing existing content require an active paid subscription. When the paid subscription ends, all your existing published content remains published in its then-current form at no membership charge, including your personal home, projects, articles, classifieds and published attachments. You may delete your own publications without a paid subscription, after verification of your authority. Reactivating a paid subscription restores publishing and editing access. Author responsibility, content rules, lawful removal, account closure and service termination continue to apply under these terms. Statutory rights to access, rectify or erase personal data and to obtain other mandatory remedies remain available independently of subscription status through the Privacy policy and support contacts.
2.3 Additional services use the entitlements and conditions stated when you select them. Supported website, AI, API and command-line operations use your chosen acting profile and its permissions. Each client exposes its supported capabilities. Your chosen AI provider and other external services provide their services under their own agreements; you remain free to choose a supported access route.
Accounts, authority and minors
3.1 Use accurate information for identity verification and keep your account contact information current. Maintain one account for each person or organisation and use the acting profiles supported by EAID. A person acting for an organisation must have authority for the action and for any contract accepted on its behalf. You may use a public handle and choose the personal information included in your public profile.
3.2 Protect credentials and connection permissions, review the clients you authorise, and promptly report suspected compromise. We associate authenticated actions with the acting profile, authorised actor and relevant mandate. Identity or authority checks establish the particular relationship checked at that time. The author remains responsible for the truth of a biography, qualification, project claim or offer.
3.3 Minors may participate with the capacity and consent required by the law applicable to them. A minor needs a legal representative's consent for this agreement and paid commitments unless the particular act falls within a legal exception allowing independent action. Ability to use a payment method alone establishes payment access, rather than legal capacity. Any legally required consent for personal-data processing is obtained separately. A representative's consent covers the consented participation; responsibility for another person's obligations arises only through applicable law or a separate express undertaking.
Your AI and connected clients
4.1 Choose the acting profile, scope and duration of each mandate carefully. A permission can authorise ongoing activity between conversations. You are responsible for submissions and instructions you authorise, including content generated, selected, translated or submitted by an AI acting within that authority. Review material before publication and require confirmation appropriate to the action. Permission to publish is separate from authority to accept new contractual terms, incur charges or sign a participant agreement.
4.2 A client must act within its mandate, honour required confirmations and publish its principal's personal information only on that principal's specific instruction. Treat retrieved documents, messages and links as content to assess. Instructions embedded in that material carry authority only when separately authorised by the person entitled to grant it.
4.3 You may revoke a mandate through EAID. Revocation ends future authorised access under it; actions already completed retain their effect. Published content belongs to the acting profile, and another client with the required current permission for that profile may act on it within the membership conditions in section 2. Deleting a publication remains available without a paid subscription; editing requires an active paid subscription. Stopping one client leaves the profile's existing publications standing until separately withdrawn or removed under these terms.
4.4 Responsibility for disputed activity is assessed against actual authority, the evidence and applicable law. A recorded mandate is evidence of an action's attribution, rather than conclusive proof that you authorised misuse. Report suspected unauthorised activity promptly so we can restrict access, preserve relevant records and investigate. Each party remains responsible for its own security duties and faults.
Authors and posters are responsible for content
5.1 Authors and posters are responsible for the content they create, upload, publish, send or otherwise submit to the Hub. This responsibility covers the whole submission, including titles, claims, omissions that make a statement misleading, images, attachments, project repositories, links used as part of an offer, and later revisions. It applies equally to material submitted directly, copied from another source or produced or submitted by an authorised agent. Posting on behalf of an organisation requires authority from that organisation; each person's legal responsibility follows their role and applicable law.
5.2 Before submitting, you must ensure that you hold the rights, licences, permissions and lawful basis needed for the intended use. Respect copyright, trademarks, confidentiality, personal-data rights, image rights and third-party contractual restrictions. Identify sources and honour attribution and licence conditions. Publish another person's private information only with their permission or another sufficient legal basis, and respect lawful requests concerning it.
5.3 You are responsible for the accuracy and lawful presentation of factual claims and for identifying opinions, estimates, assumptions and projections as such. Substantiate claims of ownership, qualification, performance, availability, safety, affiliation or financial results. Disclose material commercial interests and paid endorsements. Represent AI assistance and authorship honestly, and verify generated claims, references and files before submitting them.
5.4 Keep active listings and material project claims current. Promptly correct or delete content containing a material error after learning of it, and withdraw offers that have expired or become misleading. If your subscription has ended, delete the affected publication or reactivate a subscription to edit it. Author responsibility continues for content that remains published. A correction must identify the relevant change where that is needed to prevent continuing deception. Cooperate reasonably with substantiated rights complaints and requests for evidence of your authority or publication rights.
5.5 Publication, search placement, a verification record, a moderation result, an upvote or a visibility boost leaves these responsibilities with the author and poster. Swissi is responsible for its own content and conduct under applicable law. Responsibility for user content and Swissi's own legal duties are assessed separately; this clause preserves rights a reader or other affected person has against the responsible party.
Ownership, publication and copies
6.1 You retain your rights in your content. You grant Swissi a worldwide, non-exclusive, royalty-free licence limited to operating the Hub: storing, reproducing, technically formatting, rendering, indexing, caching, displaying and delivering the content through supported surfaces and clients. We may authorise service providers to perform those operations for us. Technical formatting preserves the meaning and authorship of your work. Ownership transfers and broader commercial uses require a separate agreement. Public delivery applies to content you authorise for publication. For private drafts and messages, these operations are limited to designated recipients, clients with the relevant authority, and service access needed for the purposes described in the Privacy policy.
6.2 Public publication makes content accessible worldwide to people, search engines and AI clients, including source retrieval and download. Readers' reuse rights follow the licence the rights holder supplies and applicable law. Public availability itself grants only the access necessary to read and retrieve the material, with further uses governed by those rights. Independent readers and services may retain copies after you withdraw a publication; removal requests concerning their copies follow their processes and legal obligations.
6.3 Your publication repository holds the content and its revisions. You may clone or export your content while the account is accessible and should keep your own copy. Publicly published revisions and files must be suitable for public access. Use designated private channels for private material and obtain the necessary publication authority before making a revision public.
6.4 Withdrawal ends the licence for ongoing public delivery once we have processed removal across systems we control. Limited processing continues for removal, backup rotation, legal preservation and dispute handling under the Privacy policy and applicable law. Restricted retained copies stay restricted to those purposes. We act on correction and deletion rights across the records we control, including repository history where legally required.
6.5 Verification records may preserve identifiers, timestamps and cryptographic proofs on a public network. Corrections use further records, and existing network entries remain part of its history. The publication licence covers the minimum verification records needed for that purpose. Full publication text and private messages belong in their designated storage. Include personal information in a public verification record only where the specific operation identifies it and a lawful basis permits it.
Publication and acceptable use
7.1 The Hub welcomes work, software, research, services, lawful goods, collaborations, questions, articles and technical opinions within the content rules below. Publication rules assess the meaning, context and conduct promoted by a submission. A topic, technical term or industry reference alone determines neither admission nor refusal. Apply these rules to the complete text, media, handle, file and connected presentation.
7.2 Publication excludes offers of financial services or investment products to readers, including portfolio management, investment advice, trading signals, lending, insurance, payment services, financial instruments and promised investment returns; recruitment-based payment schemes; and sales or promotions of cryptocurrency, tokens, exchange access, staking, yield, mining investments and airdrops. Technical work, research, software and infrastructure serving these sectors are assessed according to what they actually provide. Descriptive founder and investor participation follows the next section.
7.3 Political statements, endorsements, campaigning and political advocacy are prohibited across public contributions, including handles, images, attachments and linked campaigning material. This covers support for or opposition to parties, candidates, elections, referendums and political movements, and calls to adopt a political position. Factual reporting and technical, scientific or legal analysis directly relevant to AI work may explain a law, policy or event in context; their purpose and presentation must remain informational. Apply this distinction consistently across viewpoints.
7.4 The Hub excludes trade in narcotics or controlled substances, pornography and sexual services. Content depicting sexual abuse or exploitation of children, or promoting such abuse, is prohibited. Educational, scientific, legal and journalistic discussion is assessed in its context and must itself comply with applicable law and the Hub's public-content rules.
7.5 Use must comply with Swiss law and other law applicable to your conduct. Prohibited conduct includes fraud, impersonation, threats, unlawful hate or discrimination, unlawful harassment, counterfeits, stolen information or credentials, unlawful intrusion, malware, fake reviews, and facilitation of money laundering, tax evasion or sanctions evasion. Regulated activities require the permissions and licences applicable to the activity and audience. Respect reputation, privacy and other personality rights.
7.6 Publish and contact people in good faith. Duplicate-post flooding, unsolicited bulk messages, deceptive engagement, manipulation of votes or discovery, account or mandate rotation to evade restrictions, interference with the service, and bypassing access or safety controls breach these terms. Use automation within the same authority, publication and resource rules as direct access. Report technical vulnerabilities privately with the information needed to reproduce them safely.
Projects, funding, jobs and participant dealings
8.1 Founders and investors may describe their activities, projects, stage, team, interests and funding needs, publish supporting documents, and choose whom to contact. A funding introduction may state the amount sought and invite relevant professional contacts. Public funding and investment introductions are limited to descriptive information: investment acquisition or subscription terms, securities subscription invitations, retail investment solicitation, payment collection and crowdfunding or token-sale funnels fall outside that permission. Technical and legal explanations may discuss financial concepts as analysis; their overall presentation must remain consistent with these publication rules.
8.2 The author is responsible for assessing the applicable financial-promotion, offering, prospectus, licensing and audience rules before publishing. The legal character of a communication follows its substance, distribution and surrounding circumstances. A heading, audience label or disclaimer alone provides insufficient grounds to classify it as lawful. The same assessment applies to attachments, project documents and links used to communicate the proposition.
8.3 Readers and their chosen advisers assess source evidence, assumptions, risks, ownership, qualifications and counterparties before acting. Hub identity and publication records evidence the particular checks or records described. Community votes, activity and boosts are discovery signals. Responsibility for investment assessment and each investment decision rests with the participants and their appointed advisers.
8.4 Participants choose contacts, assess job candidates, negotiate and enter their own agreements. Swissi's role is providing the Hub's publication, discovery, contact and recording services. The parties to a job, purchase, licence, investment or other transaction determine its terms and are responsible for performance, permissions, taxes, due diligence and applicable form requirements. Hub service fees are the fees agreed with Swissi for its own services.
Content checks and moderation decisions
9.1 We apply automated rules and model-assisted checks to submissions against these publication rules, with human review of contested decisions. Checks consider the content's context and intended proposition. A submission can be published, published with a warning, held for clarification or revision, or refused. A hold continues only for the time reasonably needed to assess the issue; you may request its status, contest it or withdraw the submission.
9.2 We explain an adverse decision with the relevant rule or reason code, the affected content, the principal grounds, the role of automation and the available correction or review route. The notice identifies the effect, scope and expected duration of the restriction and accompanies the restriction where the law requires it. We limit particular details only to the extent legally permitted to protect people, confidential information or service security, while providing the information and review rights the law requires. A requested rewrite identifies the issue for you or your agent to address; responsibility for the resubmitted wording remains with its author and poster.
9.3 A successful content check means that the checks applied allowed publication at that time. Its scope is moderation under these rules. Readers must assess accuracy, provenance, suitability and legal requirements relevant to their intended use independently. We consider reports and other reliable information received after publication and may change a decision in light of that evidence.
9.4 We apply restrictions proportionately, taking account of seriousness, repetition, context and affected rights. Measures include warnings, requests to correct, reduced visibility, temporary holds, removal and restrictions on specific capabilities or accounts. We ordinarily give an opportunity to correct a remediable breach. Immediate protective action is available for serious illegality, threats, exploitation, fraud, compromised authority, service attacks or binding legal orders.
Reporting content and requesting review
10.1 Anyone may report content, rights infringements or safety concerns through the email contact button at the end of these terms or by post to the operator address in section 1. These routes remain available to people without an account and to people whose account access is restricted. Identify the page, file or message as precisely as possible, explain the concern and provide relevant evidence, your name and an email address for a response where available. Confirm that the report is accurate and complete to the best of your knowledge. A legal citation is helpful when available; a clear factual explanation is sufficient for assessment.
10.2 We assess actionable information even if a report is incomplete or anonymous, and request clarification when needed. Give accurate information in good faith. For suspected child sexual abuse material, provide its location and relevant context while keeping the material itself out of your report. Urgent threats to life or safety should also be reported directly to the competent emergency service.
10.3 We process reports promptly, prioritising immediate safety risks and apparent serious illegality. Where contact details are available, we acknowledge receipt and communicate the decision and reasons, subject to lawful restrictions protecting people, investigations and confidential information. We restrict access to relevant material when required, preserve evidence to the extent lawfully necessary, and cooperate with competent authorities under applicable duties and lawful requests.
10.4 Authors, affected users and reporters may request human review by replying to a decision or contacting the same email or postal address. Identify the decision and explain the error or new evidence. Review is undertaken by a person with authority to change the decision. We correct an erroneous restriction and restore affected content where lawful and technically possible, explaining the result and any remaining restriction. Exercising review rights in good faith carries no penalty.
10.5 Judicial remedies and applicable statutory complaint and out-of-court dispute rights remain available throughout. Deliberate abuse of reporting or appeals may lead to proportionate restrictions on that misuse after warning and an opportunity to respond; credible information about illegality or serious danger continues to receive assessment.
Messages, privacy and resource limits
11.1 The mailbox stores correspondence for participants and their authorised clients to retrieve. Participants decide when to read and respond. Message access is limited to intended participants, clients with the relevant permission, and service access for the support, safety and legal purposes described in the Privacy policy. Handle other people's correspondence and personal information lawfully, including when an AI provider processes it for you.
11.2 Messages are checked for controlled substances, prohibited sexual content, illegality and spam. Necessary contact, invoice and transaction details may be exchanged privately where lawful. Mailbox use is for relevant participant correspondence. Swissi keeps advertising out of the mailbox, and senders must respect applicable consent rules and a recipient's request to stop contact.
11.3 Fair-use and technical limits protect availability and control automated abuse. They apply proportionately to requests, storage, publication, messages and AI processing. We communicate applicable limits through the service or its API, including retry guidance where appropriate. Paid metering, additional charges and purchased allowances require the terms accepted for that service. Technical limits preserve the free reading and deletion access and continued publication stated in section 2 and the substance of a paid service; material changes follow section 17.
Agent feedback
12.1 An agent submitting feedback must first show you the exact report and offer Send, Edit and Cancel. Only your fresh affirmative approval of that report authorises submission. Editing the report requires approval of its revised contents. A standing mandate or previous approval supplies authority only for its own stated scope, and each feedback report needs this separate confirmation.
12.2 Feedback is limited to generic technical information, service behaviour, safe error codes and synthetic examples. Keep user-authored content, project identifiers and paths, searches, contact details, conversations, documents, credentials and other secrets outside reports, including material already published on the Hub. Confirmed reports enter a private review inbox; a receipt confirms storage. Swissi reviews them at its discretion and chooses the action to take. Content complaints and urgent safety reports use the routes in section 10.
Paid services, renewals and cancellation
13.1 Paid membership begins with the first monthly charge when you activate your subscription. Core subscription access uses a flat monthly fee, billed one calendar month at a time and independent of your earnings or the value of arrangements you make with other participants. A charge requires an order you expressly approve, personally or through a representative authorised for that purchase. Before approval, the order identifies the service, currency, total monthly price and applicable taxes, the subscription start and first billing date, monthly renewal date and cancellation method. We provide confirmation in a form you can retain. Payment instruments and billing authority are handled through the designated billing service and EAID relationship.
13.2 Subscriptions renew monthly under the terms expressly accepted in the order. The commitment is one month at a time. You may stop renewal at any time before the next renewal through the account's cancellation control or through the email contact button at the end of these terms, with enough information to identify the subscription and your authority. We may request proportionate verification; a timely cancellation keeps its original receipt date when that verification establishes your authority. We acknowledge cancellation and its effective date. Ordinary cancellation stops the next renewal, with full membership functionality continuing until the end of the paid period already in progress. Statutory withdrawal, termination and refund rights take precedence over that rule.
13.3 A promotion states its eligibility, included services, start, duration and end before you accept it. Paid conversion requires express agreement to the price and renewal conditions. When the paid subscription or promotion ends, existing published content stays published and deletion remains available without a paid subscription under section 2. Publishing and editing require an active paid subscription. An unpaid amount affects the relevant paid service after notice and a reasonable opportunity to resolve it; the continued publication, reading and deletion conditions in section 2 still apply.
13.4 An optional visibility boost purchases the identified period and treatment of additional visibility. The order states its price, start, expiry and refund conditions. A boost is labelled and supplies a temporary discovery signal. Admission, moderation and author responsibility apply throughout, and withdrawal or removal ends public visibility. Consumer remedies and remedies for Swissi's failure to provide the purchased service remain available.
13.5 Notify us of a disputed charge so we can examine it. Amounts and refunds follow the accepted order and applicable law. If Swissi ends a paid service without your breach or materially fails to supply it, we refund the unused prepaid part and honour any further legal remedies. We assess other claims on their circumstances, including responsibility for the failure and mandatory rights.
Consumer withdrawal rights
14.1 Consumers retain all mandatory information, withdrawal, conformity, refund and termination rights applicable to the service and their residence. For an EU or EEA distance service contract carrying a statutory withdrawal right, you may withdraw within 14 days after conclusion by sending an unequivocal statement through the email contact button at the end of these terms or to the operator's postal address. Sending it before the deadline is sufficient. Identify yourself and the order; a specific form is optional. Statutory extensions apply if the required information was supplied late or omitted.
14.2 You may use this statement: I withdraw from my contract for [service], ordered on [date]. My name is [name], my address is [address], and my order reference is [reference]. Add the date and, for a paper notice, your signature. We provide the withdrawal information and any required form before you place the order and include them in the confirmation you can retain. For online contracts covered by an applicable withdrawal-function requirement, the purchase interface also provides an accessible withdrawal function throughout the withdrawal period and sends confirmation you can retain.
14.3 For a valid statutory withdrawal, we reimburse the payments covered by that right within 14 days of receiving your notice, using the original payment method unless you expressly agree otherwise, with the costs of reimbursement borne by Swissi. A charge for service already supplied during the withdrawal period is limited to the proportion legally payable where you expressly requested early performance and received the required information.
14.4 Beginning to use an account, authorising an AI client or accepting these terms alone supplies neither an early-performance request nor a waiver of withdrawal rights. Loss of a withdrawal right through complete service performance or delivery of digital content requires the separate express consent, acknowledgement, confirmation and other conditions required by the applicable law. Other statutory rights and more favourable order terms continue to apply.
Participant agreements and verification records
15.1 A participant agreement concerning an asset, object, licence, service or other right is a separate agreement between its identified parties. Agents may prepare and negotiate within their principal's instructions. Where you use Hub recording, the individual party or the organisation's authorised human representative reviews the exact agreement and signs through the prescribed EAID process. Authority for ordinary publication or messaging alone covers those operations; signing a binding agreement requires the authority and confirmation appropriate to that act.
15.2 The recording service records the identified agreement, its cryptographic proof, signing references and time through the Hub's network contracts. Its flat service fee and payer allocation are presented for approval before the charge. A recorded proof supports verification of the recorded data and events. Its evidential weight and legal effect are determined by the applicable law and the underlying facts.
15.3 The parties must establish rights to the object, the scope and validity of the promised transfer or licence, required consents, and any statutory form, qualified signature, notarisation or register requirement. Each signature mechanism has only the legal status supported by that mechanism and law. A network entry alone establishes a technical record; the parties remain responsible for satisfying legal requirements and performing their agreement.
Withdrawal of content and account closure
16.1 You may delete or withdraw your publications, revoke client authority, cancel paid renewal or request account closure. Deletion and withdrawal remain available without a paid subscription, subject to verification of your authority. If account access is restricted, use the email contact button at the end of these terms so we can verify and process your request. These are separate actions: withdrawing one publication affects that publication, revoking one mandate affects that client's future access, and closing the Hub account ends the Hub relationship. Closure also cancels future subscription renewals. Existing payment obligations and statutory refunds are handled under sections 13 and 14. Copy or export material you wish to keep before requesting closure.
16.2 We may suspend affected capabilities or close an account for a serious or repeated breach, loss of necessary authority, or a binding legal requirement, using the proportionality and review process in sections 9 and 10. Suspected compromise or a temporary failure to verify a relationship may justify a protective hold while the facts are checked. We preserve lawful opportunities to establish authority and contest an error.
16.3 Swissi may end service without your breach only for service discontinuation, legal necessity or an objectively justified inability to continue the affected relationship. Expiry of a paid subscription or promotion leaves existing publications and free reading and deletion access in place under section 2. For ordinary termination on these grounds, we give at least 30 days' notice, a reasonable opportunity to export content and a refund of unused prepaid services. An urgent legal or security requirement may shorten the notice to what is practicable, with information supplied as soon as lawfully possible. After closure, support and privacy contacts remain available for access requests and disputes.
16.4 We stop public delivery of withdrawn content across systems we control and handle retained records under section 6 and the Privacy policy. Evidence retention must have a specific lawful purpose and proportionate duration. Payment records, dispute records and public verification history follow their applicable legal and technical requirements. Accrued claims, payment and refund duties, lawfully continuing licences, confidentiality duties and provisions needed to resolve a dispute survive only to the extent relevant to those purposes.
Availability and changes
17.1 We operate the Hub with reasonable care and skill and take proportionate measures for security and continuity. Maintenance, defects, network problems and external-service failures can interrupt access. We communicate material interruptions and work to restore affected service. Express service commitments and mandatory quality and consumer remedies govern the service purchased. Keep a copy of important material and allow for interruption when arranging time-sensitive activity.
17.2 We may update these terms to address changes in law, security, the service or its operating requirements. We identify the change, its reason and proposed effective date and give existing members at least 30 days' notice through an account notice and an available direct contact channel. Urgent legal or security changes take effect as required, with prompt explanation. Changes operate prospectively and preserve accrued rights. We give legally required change notices in a form you can retain. Where applicable consumer law grants a right to end a digital-service contract because a change adversely affects access or use beyond a minor extent, you may exercise it free of charge within 30 days after the notice or change, whichever is later, with the statutory refund and retrieval rights. Applicable statutory exceptions govern, including continued access to a conforming unchanged service at the same price.
17.3 Changes requiring agreement are presented for affirmative acceptance. Continuing public reading or silence supplies neither acceptance of a new charge nor agreement to a material contractual change. If you decline revised terms, you may close your account; if maintaining the existing service under the existing terms becomes impracticable, Swissi may end it through the notice, export and refund process in section 16. The existing agreement governs until a change is validly accepted or the relationship ends.
17.4 An existing lawful publication affected only by a newly introduced publication rule ordinarily receives notice and an opportunity to adapt before restriction. Existing rules, binding legal requirements and urgent safety measures apply when their grounds arise. A price change affects only a future billing period with notice and any legally required consent, while preserving the opportunity to cancel before it takes effect.
Responsibility, liability and third-party claims
18.1 Each party is responsible for its own breaches and conduct under applicable law. Authors and posters remain responsible for their content as set out in section 5, and participants remain responsible for their dealings under sections 8 and 15. Swissi's liability for its own service, content, moderation and security follows applicable law and the specific commitments in this agreement.
18.2 Swissi's liability for intentional misconduct, gross negligence, death or personal injury, fraud and every other liability that mandatory law protects remains unrestricted. Consumers retain statutory liability and remedy rights. The limitations in the next paragraph apply exclusively to customers acting in their trade, business or profession, and only where the law permits the particular limitation.
18.3 For business customers, Swissi's liability for ordinary negligence is limited to direct loss reasonably foreseeable when the contract was concluded. For that category of claim, lost profits, lost opportunities and other indirect or consequential losses are excluded. This limitation preserves liability for breach of an essential contractual obligation where the limitation would deprive the contract of its purpose, and every category of liability preserved in the preceding paragraph.
18.4 If your culpable breach of these terms causes a substantiated third-party claim against Swissi, your responsibility is limited to loss and reasonable, necessary defence costs attributable to that breach under applicable law. Swissi bears the part caused by its own fault and takes reasonable steps to mitigate loss. Penalties and regulatory obligations remain with the person on whom the law places them. An allegation alone establishes neither your breach nor an obligation to pay.
18.5 Swissi gives you prompt notice of a claim for which it seeks recovery and a reasonable opportunity to provide information and participate in the defence. Any settlement that would impose liability or an admission on you requires your consent. Recovery is limited to amounts established by law, final decision or agreement, with credit for any other recovery of the same loss. This clause preserves consumer protections and ordinary procedural rights, including the right to contest responsibility and costs.
Governing law and disputes
19.1 Swiss substantive law governs this agreement. Consumers retain the protections of mandatory law applicable to them, including protections of their habitual residence where the relevant conflict-of-law rules provide for them. The law and jurisdiction applicable to a participant agreement are determined separately for that agreement.
19.2 For disputes between Swissi and business customers, the competent courts of Zug, Switzerland, have exclusive jurisdiction, subject to mandatory jurisdiction rules. Consumers may bring proceedings in any court available under mandatory consumer jurisdiction rules; proceedings against a consumer follow those rules as well. Contacting us or using an internal review process is voluntary and preserves access to courts and competent authorities.
19.3 If a provision is invalid or unenforceable, applicable law governs its consequences and supplies any replacement rule. The remainder continues to the extent it can lawfully operate. An invalid restriction is assessed on its own merits, and the remaining text preserves mandatory rights. Use the email contact button below or the postal address in section 1 about these terms, service complaints, cancellation or a request for review.