Terms of Service AG, based in Wallisellen (hereafter “” ) operates the “” internet portal (hereafter the “portal” ). These terms of use regulate the rights and obligations of users of the portal (hereinafter referred to as "users") when using the portal and all other AG services in connection with the portal. If you visit and / or use the portal, you agree to do so only in accordance with the provisions of these terms and conditions. As soon as you use the services of Aare Consulting, these following general terms and conditions (“GTC”) apply to all related legal relationships in their most current form. The terms and conditions can be called up, downloaded, printed out or saved locally at any time at under the terms and conditions section.

If users do not agree to these terms of use, further use of the portal is not permitted.

1 – Offer and Use

On the portal, AG publishes information on financial and insurance products such as, in particular, service and price comparisons (hereinafter referred to as “information” ) and provides expert advice and brokerage of such and other financial and insurance products requested by users (hereinafter referred to as “advice and Mediation » , hereinafter collectively the « Offer »). The offer does not constitute an invitation or recommendation to purchase or otherwise purchase a service or product and is non-binding for the user. The offer is aimed exclusively at natural persons with unlimited legal capacity and resident in Switzerland and is available to them free of charge and without obligation for private use. Any use by legal entities or any commercial use is prohibited. The users waive all claims to commissions and other remuneration from advice and brokerage as well as from third parties in favor of AG in connection with the offer.

Users are not entitled to use the portal and can be temporarily or permanently excluded from using the portal at any time without giving reasons. The use of the portal in a way that could jeopardize its proper operation is prohibited. Users must refrain from any excessive use of the portal - in particular automated use by means of software other than that of the portal.

2 – Quality AG strives for the highest possible quality of the offer, but expressly refrains from any direct or indirect guarantee or assurance regarding the quality of the offer, such as the topicality, correctness and completeness of the information. If user information is required to use the offer, users undertake to only provide correct and complete information to AG. In the event of incorrect or incomplete information, users are fully liable for any damage that AG incurs as a result. Third parties whose advice and brokerage is provided to users by AG (hereinafter referred to as the «advisors and intermediaries»), are in particular obliged to provide advice and mediation to users at all times with the greatest possible care and professionalism and to fully comply with applicable Swiss law and the applicable professional, provider and industry-specific recommendations, guidelines and other applicable provisions. Users for whom advice and mediation is not possible must be informed by the respective adviser and agent about alternative advice and mediation options, including direct and - if available - free advice and purchase options from the respective providers of the desired financial and insurance products. info@ at any time by email.

3 – Liability

Any liability on the part of AG for direct damage resulting from the offer or in connection with the portal is expressly excluded, subject to mandatory statutory provisions. Any liability on the part of AG for indirect damage or consequential damage from the offer or in connection with the portal is fully and expressly excluded. In particular, AG is not liable for damage caused by consultants and intermediaries or information, or for malfunctions in the portal, malfunctions at agents and other third parties, or errors in the transmission of electronic messages.

The availability of the portal can be partially or completely restricted at any time and without giving reasons. AG is not liable for the temporary unavailability of the entire portal or individual functions of the portal, or for errors in individual functions of the portal.

4 – Data Protection AG is subject to Swiss data protection law and generally stores personal and other data on servers in Switzerland. In particular, AG collects and processes data that users transmit to AG via forms directly on the portal, via apps connected to the portal or in any other way. This data includes, for example, names, postal addresses, e-mail addresses, telephone numbers, dates of birth, gender, family relationships and wishes for financial and insurance products. Further data such as date and time stamps, IP addresses used, browsers and operating systems used, as well as any approved location information, are generated by Aare Consulting when using the portal. AG may use all data collected for any purpose in connection with the operation of the portal and the offer and is entitled to store all data for ten years. AG takes appropriate measures to protect this data.

Users who obtain information, advice and brokerage from AG via the portal expressly consent to the data collected and processed for this purpose by AG being transferred to consultants and brokers. Consultants and intermediaries are obliged to fully comply with Swiss data protection law at all times. AG is authorized to transfer personal data and other data to third parties or to have them transferred by third parties in the context of the transfer or exercise of rights and obligations from these Terms of Use and in connection with the operation of the portal. If data is transferred abroad, AG takes appropriate measures to guarantee a data protection standard that corresponds to that in Switzerland.

To analyze the use of the portal and to display advertisements, AG can use services from third parties in Switzerland and abroad, such as, in particular, the “Google Analytics” and “Google AdSense” services of the American Google Inc. and “Clicky Web Analytics »service of the American Roxr Software, Ltd. use. When using such services, IP addresses, cookies and other data - possibly also personal data - of the user regarding their use of the portal can be transferred to third parties abroad and there to countries whose data protection standards may not correspond to that of Switzerland.

If you have any questions about data protection, AG will provide you with information by email at info@

5 – Final Provisions

By using the portal, users accept these terms of use. AG can add to these terms of use at any time and without giving reasons or change them in any other way. The current terms of use as published on the portal apply. If users do not agree to a change in these terms of use, further use of the portal is not permitted. Should individual provisions of these terms of use be ineffective or void, this shall not affect the validity of the remaining provisions of these terms of use. An ineffective or void provision is to be replaced by a legally permissible provision that comes closest to the original purpose in economic terms.

Use of the portal is subject exclusively and in full to Swiss substantive law.

The applicability of the provisions of international private law and the UN Sales Convention (CISG) is excluded. The courts of the Canton of Zurih have exclusive jurisdiction for all disputes arising from or in connection with these terms and conditions. Aare Consulting is entitled to assert its rights at your domicile or before any other competent authority.