General Terms and Conditions (GTC)

These General Terms and Conditions of Use and Business for Switzerland ("GTC") govern the relationship between you as a user of Caveo via the CaveoApp and the CaveoApp website, as well as via any other means of communication (such as telephone, chat, email, fax, etc.).

When concluding a Broker Mandate for the arrangement of insurance solutions and/or a Consultation Agreement for advice on pension and financial products (both agreements together are hereinafter referred to as "Mandate or Mandates") with CaveoApp, these GTC apply in addition to the Mandate and form an integral part of the contractual relationship between you and Caveo AG.

The Most Important in Brief:

• Caveo AG, Zurich, Switzerland, operates a service under the name "Caveo" with the CaveoApp ("CaveoApp") and www.caveo.ch for the digital administration, obtaining of quotes, and conclusion of insurance contracts for adults resident in Switzerland.

• Caveo AG is registered with the Swiss Financial Market Supervisory Authority (FINMA) as an independent insurance intermediary and is subject to the direct supervision of FINMA.

• Caveo AG does not conclude insurance, pension, or financial products.

• Caveo obtains quotes for you and simplifies the conclusion of the insurance solution and/or financial products.

• You conclude the insurance, pension, or financial products yourself directly with the provider you have chosen.

• Caveo AG always acts only with your express consent. You retain full control over your contracts for insurance, pension, and financial products.

• This is regulated in the Mandate between you and Caveo AG.

• The use of CaveoApp is free of charge for you. If Caveo AG is not compensated by your insurer, you owe Caveo AG a fee for the consulting service in the usual amount.

• When concluding a Consultation Agreement, the fee prices are regulated in advance.

How Caveo Works:

• You can register free of charge. Afterwards, you can decide whether you want to instruct Caveo AG with the administration of your insurance policies or not.

• For this purpose, you give Caveo AG permission to obtain your policy information from the insurer.

• If you do not instruct Caveo AG with the mandate for your insurance policies, certain functions of the CaveoApp may not be available to you.

• The insurer sends your policy information to Caveo AG, which is now available to you in the CaveoApp.

• This means you always have all important information digitally at hand.

• If you want to change or optimize an insurance policy, or check additional insurance offers, Caveo obtains corresponding quotes from various insurers for you.

• You can compare the quotes in the CaveoApp and choose the most suitable quote for you.

• You conclude the insurance solution chosen by you directly with the respective insurer via Caveo.

• The new insurance policy is then added to your profile, and you now also have all important information digitally at hand for this.