Terms of use

1. general terms of use

This website is operated by Smolio. “Smolio”, “we” or “us” refers to the service provider of this website and the online offering (collectively the “digital offering”), Adrian Schimpf as a sole trader, Wengistrasse 6, 8004 Zurich. “You” refers to you as the user and visitor of the digital offering.

By accessing the website www.Smolio.ch and associated websites, using or obtaining information, publications or services from Smolio, you declare that you have understood and accepted the terms of use.

The digital offer is intended exclusively for your private use. You are a natural person resident in Switzerland. We give no guarantee that the data, information, publications and other content of the digital offering (collectively “content”) outside Switzerland fulfill the respective legal requirements.

2. registration and offer

Smolio distinguishes between basic functions, premium functions and additional services (also known as “premium services”). The basic functions are free of charge and can be used by registering on Smolio. Premium functions and additional services are subject to a charge. The range of chargeable functions and services will be developed step by step.

You can process payments for premium services via credit card. For this purpose, we have integrated the functions of the provider Stripe, Inc, 10 Townsend Street San Francisco, CA 94103, USA into our ordering process. The collection and processing of personal data of persons resident in the EEA and Switzerland is carried out by Stripe Payments Europe, Ltd, 1 Grand Canal Street Lower, Grand Canal Dock, Dublin, Ireland (Stipe Inc and Stripe Payments Europe Ltd collectively hereinafter: “Stripe”). When paying by credit card, the Stripe terms of use apply, which can be viewed at https://stripe.com/de/legal. Your credit card will be charged immediately after you place an order in our digital offering.

3. disclaimer

The content is intended solely to provide a general explanation of our services. Smolio is only liable in the event of gross negligence or willful misconduct.

We assume no guarantees, no warranty, no assurance and no other liability with regard to the correctness, accuracy, up-to-dateness, reliability and completeness of the content. The information and opinions provided by Smolio are merely intended to assist you in making possible investment, legal, tax or other decisions. In no event shall Smolio be liable for any loss or damage of any kind (direct or indirect damage, including loss of profit and other consequential damage) which the user may incur in connection with the use of the content or services of Smolio or otherwise in connection with the business relationship with Smolio. In particular, Smolio shall not be liable for loss of profit due to any incorrect price information in Smolio content obtained from third parties. You make all decisions on your own responsibility.

As we are constantly developing Smolio further, we expressly reserve the right to change, supplement or delete content or the entire offer without prior notice or to discontinue publication temporarily or permanently. All offers are non-binding.

Smolio does not guarantee that the website can be used at all times or without errors and/or that it is free from viruses and other harmful components. Smolio shall be entitled to discontinue, interrupt or adjust the operation of the digital offer and/or access to the digital offer in part or in full without prior notice. Liability claims against Smolio for material or immaterial damage arising from access to or use or non-use of the published information, misuse of the connection or technical faults are excluded.

4. no investment, legal and/or tax advice

Our content does not constitute investment, legal and/or tax advice. It does not constitute a solicitation, offer or recommendation to buy or sell investment instruments or to engage in any other transactions. In particular, all content on funds of all kinds, securities and/or other financial instruments (collectively “financial instruments”) is not to be understood as an individual investment recommendation for financial instruments. Financial instruments and financial services are subject to various risks, so you should seek professional advice on financial, tax and/or legal issues if necessary.

5. no offer

No contractual relationship shall arise between you and Smolio solely through the retrieval of content, unless expressly agreed otherwise. The content does not constitute an offer that can be accepted by you without further action on the part of Smolio. Smolio does not make any offers to buy and/or sell financial instruments as part of the digital offer.

6. external content

We obtain the information in our digital offering from a wide variety of sources, including third-party sources.

This includes, for example, statistics, reports, articles, products or even books that we think are good and therefore recommend. You can access third-party content via the links we share with you. We receive a small fee from some partners when you make a purchase via the links we provide. This does not make it more expensive for you. You waive your right to reimbursement from our partners so that we can cover the costs of operating the platform.

Smolio assumes no guarantees, no assurances and no other liability for the correctness, accuracy, up-to-dateness, reliability and completeness and/or legal conformity of this external content and the offers made there (products, services, etc.). This applies in particular to the financial information presented, which Smolio obtains from third parties.

7 Copyright and ancillary copyright

The content published in our digital offering and the structure of our website are protected by copyright. All rights are reserved. The copyright and all other rights to the content (in particular texts, photos, graphics and files) belong exclusively to Smolio or the specifically named rights holders and are subject to Swiss or other copyright and ancillary copyright law. Any duplication, distribution, reproduction or other utilization or linking to or from other websites (collectively “utilization”) of this content generally requires the prior written consent of the respective rights holder. The use of Smolio’s digital content by third parties is not permitted without Smolio’s consent.

8. other

Smolio may amend these provisions at any time. Should individual parts of these terms of use be or become invalid, this shall not affect the validity of the remaining content. The legal relationship between you and Smolio is governed exclusively by Swiss law. We assume that you are aware of this when entering into a business relationship. The exclusive place of jurisdiction is Zurich.

We want you to make smart financial decisions.

Your Smolio, September 2017