Terms of Use

1. Acceptance of Terms

Welcome to optivo. These Terms of Use constitute a legally binding agreement between you and optivo regarding your use of our website at optivo.ch (the "Website") and the services offered thereon.

By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Website.

2. Description of Services

optivo provides a Swiss cost of living calculator that helps users compare living costs across different Swiss municipalities. The calculator considers various factors including taxes, rent, health insurance, utilities, and transportation costs to provide cost of living estimates.

All calculations and estimates provided by our calculator are for informational purposes only and should not be considered as financial, tax, or legal advice.

3. User Eligibility

To use our Website, you must be at least 16 years of age. By using the Website, you represent and warrant that you meet the eligibility requirement. If you do not meet this requirement, you must not access or use the Website.

4. User Accounts

We may, in the future, offer the ability to create user accounts. If account creation becomes available and you choose to create an account, you will be responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with this provision.

5. User Conduct

When using our Website, you agree not to:

• Use the Website in any way that violates any applicable laws or regulations
• Attempt to interfere with the proper functioning of the Website
• Attempt to bypass any measures we may use to prevent or restrict access to the Website
• Use any automated means to access the Website or collect any information from the Website
• Use the Website to transmit any malicious software or code
• Engage in any conduct that restricts or inhibits any other user from using or enjoying the Website

6. Intellectual Property

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website without our prior written consent.

7. Third-Party Links

Our Website may contain links to third-party websites or services that are not owned or controlled by optivo. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that optivo shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

8. Data Accuracy

We make reasonable efforts to ensure the accuracy of the data used in our calculator. However, tax rates, rent prices, insurance premiums, and other costs may change over time. While we strive to keep our data current, we cannot guarantee that all information is up-to-date or error-free.

The calculator results should be used as estimates only and not as a substitute for professional financial advice.

9. Limitation of Liability

To the maximum extent permitted by law, in no event shall optivo, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Website
• Any conduct or content of any third party on the Website
• Any content obtained from the Website
• Unauthorized access, use, or alteration of your transmissions or content
• Reliance on the information provided by our calculator

10. Disclaimer of Warranties

Your use of the Website is at your sole risk. The Website is provided on an "AS IS" and "AS AVAILABLE" basis. The Website is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

optivo does not warrant that the Website will function uninterrupted, secure, or available at any particular time or location, or that any errors or defects will be corrected.

11. Indemnification

You agree to defend, indemnify, and hold harmless optivo, its directors, employees, partners, agents, suppliers, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Website.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of Switzerland, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Website after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Website.

14. Contact Us

If you have any questions about these Terms, please contact us at:

Email: legal@optivo.ch

Or via our contact form.