Conditions of use

The provider of the Website is SmartHypothèque SA, a public limited company (UID CHE-154.255.470) headquartered at Allée de la Petite Prairie 2, 1260 Nyon/VD, Switzerland (“Smarthypothèque”).

The Website is not intended for individuals subject to jurisdictions where (due to their nationality, place of residence, or for any other reason) the dissemination or access to this Website is prohibited. If you are subject to such restrictions, you must neither access nor use the Website. The products and services presented on the Website may not be available or permitted for individuals residing in or subject to jurisdictions other than Switzerland (due to their nationality, place of residence, or for any other reason). You are responsible for consulting your advisors and reviewing the sales restrictions applicable to the relevant products and services.

The Website and its data, information, remarks, documents, calculators, and other tools serve to present Smarthypothèque as well as its products and services. The proposals, checklists, templates, recommendations, profiles, or calculation examples available on the Website do not constitute personalized advice, an offer to enter into contracts, or a solicitation to tender; they are solely intended to illustrate financing solutions and, where applicable, pension scenarios. Tables, charts, notices, overviews, automated calculations (including tax-related), evaluations, and other content are for indicative, non-binding purposes only, unless explicitly stated by us as binding proposals or online offers. The information provided on our Website is strictly informational and does not constitute legal, tax, or financial advice. Smarthypothèque endeavors to present accurate and up-to-date information on the Website. However, it does not explicitly or implicitly guarantee that the data, information, or statements on the Website are tailored, accurate, complete, or available at all times. These data and information should be considered “as is” or “as available.” Smarthypothèque reserves the right to modify or delete any data, information, or statements at any time without prior notice.

You use the Internet, and the Website in particular, as well as the links to other websites, hyperlinks, and web addresses at your own risk. This also applies to emails and links directing you to the Website. Smarthypothèque assumes no liability for direct or indirect damages caused to Website users or third parties through contacts or transactions made via the Internet, of any kind. Specifically, it does not guarantee the accuracy, timeliness, completeness, or suitability of the data, information, and content provided and/or transmitted over the Internet to meet individual needs. Smarthypothèque does not guarantee error-free or uninterrupted access to its Website or the absence of technical issues during its use. As a user, you agree to use the Website or any linked site and their respective content at your own risk. Neither Smarthypothèque (including its directors, officers, employees, agents, and shareholders) nor its partners involved in providing information, creating, producing, or delivering the Website or any linked site assume any liability arising from accessing the Website, using the information or opinions available on the Website, or being unable to access or use the information or opinions available on the Website, whether such damages are direct or indirect, causal or not, contractual or non-contractual.

All data, information, and recommendations presented on the Website, especially forward-looking statements, are based on the state of knowledge at the time of their production or provision. The values shown in overviews, tables, charts, and notices may also be based on estimates and forecasts. If additional or new information becomes available, the relevant data and information may be updated. However, Smarthypothèque is under no obligation to continuously adapt or update such data and information. The data, information, and recommendations may also be influenced by circumstances beyond Smarthypothèque’s control, such as market developments, currency and price fluctuations, changes in competitive conditions, and shifts in political, social, legal, or regulatory frameworks. Therefore, no binding developments or definitive recommendations can be inferred from statements made based on this Website. Past performance is not indicative of future results.

Smarthypothèque provides no guarantees regarding other websites that can be accessed from this Website or websites that link to this Website. Such information originating from external sources is independent of Smarthypothèque’s own information. Links, hyperlinks, or web addresses leading to one or more other websites are provided solely for informational purposes and do not imply that Smarthypothèque is responsible for the content of these sites or that it endorses their content or use.

The data collected through the use and/or consultation of our Website is processed by Smarthypothèque under the terms outlined in our Data Protection Statement, available at the following address: smarthypotheque.ch/data-protection. These terms are applicable, and we kindly ask you to refer to them.

Our Website contains protected names, copyrighted images and information, as well as trademarks and trade names. Any copying or use, whether in whole or in part, including the use of the Smarthypothèque logo, is strictly prohibited. Unless expressly authorized in writing by Smarthypothèque, any copying, reproduction, distribution, or other use of the information and content on our Website is prohibited. Exceptions apply only if Smarthypothèque explicitly allows specific use of certain images, information, or data for a particular purpose (e.g., downloading images).

If any provision of these terms of use is deemed invalid, non-compliant, or unenforceable due to any legal provision, this shall not affect the validity, enforceability, or applicability of the other provisions of these terms of use. The invalid, non-compliant, or unenforceable clause shall be replaced by a valid, compliant, and enforceable clause that most closely reflects the intent and purpose of the invalidated clause.

All legal relationships between any user of the Website or the data contained therein and Smarthypothèque, regardless of their nature, are governed by Swiss law. The place of performance, the exclusive jurisdiction for all types of proceedings, and the place of enforcement—only for users of the Website or the data contained therein who are not domiciled in Switzerland—is the location of Smarthypothèque’s headquarters in Nyon/VD, Switzerland. Mandatory jurisdictions provided by applicable Swiss law and international treaties ratified by Switzerland remain reserved. However, Smarthypothèque reserves the right to initiate proceedings at the domicile of the Website user or the data contained therein, or before any other competent court.

Smarthypothèque reserves the right to modify the terms of use of the Website at any time. These modifications will be published on the Website. By accessing or using the Website, the user expressly agrees to the new terms of use.