Terms and Conditions

1. Contracting party

Your contracting party is Ubivo, sole proprietorship Marco Scherer, Switzerland (full provider details in the Legal Notice). The contract is concluded as soon as Stripe confirms your payment. You get access immediately in the browser you paid with; we send the confirmation with a login link to the email address you enter at Stripe.

You do not need to sign in before buying. So that you can open the purchase on other devices too, we credit it to a Ubivo account with this email address. If none exists yet, we create one for you; at first it contains only the email address and the purchase. You can only get into the account through the login link sent to this address. You can delete it at any time (see Privacy Policy).

2. What Ubivo provides

Ubivo is an online information service. From publicly available official data sources (BFS, BAFU, swisstopo, ESTV, ARE, MeteoSwiss, Open-Meteo, among others) we calculate a residential-quality score for a specific Swiss address, as well as individual factors such as noise, commute accessibility, tax and health-insurance burden.

Ubivo does not provide:

• no real-estate brokerage, no valuation of individual properties
• no legal, tax or investment advice
• no guarantee of the availability or price of specific apartments
• no substitute for a personal on-site inspection

3. Products and prices

The free report ("Standard view") is viewable without registration and shows all factors with generic default values. Personalized calculations (door-to-door commute time, exact tax and health-insurance burden, children-age weighting, alternative addresses) are offered as a one-time purchase:

• Dossier (buyers): CHF 79, one-time

Prices are in Swiss francs including any applicable VAT. Payment is processed through Stripe (credit card, Twint once activated). There is no subscription, no recurring charge. Each purchase is a one-time piece of information.

4. Immediate provision, no right of withdrawal

Paid reports are provided digitally immediately after payment is received. Swiss law gives no statutory right of withdrawal for online purchases; a purchase therefore cannot be undone without a reason. Section 5 sets out when Ubivo refunds voluntarily.

5. Refunds

Ubivo voluntarily refunds the purchase price in the following cases:

• technical errors on our side that prevented the report from being provided
• obviously incorrect address recognition, where a calculation was not possible despite payment being received
• duplicate payment caused by technical errors in the Stripe checkout

Dissatisfaction with the content of a correctly provided report (e.g. you do not like the score values or factor selection) is not grounds for a refund, as the contract is fulfilled upon provision. Write to us anyway at hallo@ubivo.ch. We handle hardship cases with goodwill.

Statutory claims, for example if a paid report is not provided at all, remain unaffected.

6. Scope of use

You receive a non-transferable right to use the purchased report, for private purposes (your own apartment search, purchase decision) without restriction. Any commercial reuse (e.g. resale, embedding into your own advisory products, systematic scraping) requires a separate written agreement.

7. Data basis and quality

Ubivo values are based on publicly available official data sources and mathematical calculation models (FAO-56 for sun exposure, BAFU sonBASE for noise, ESTV tariff tables for taxes, among others). We strive to keep data up to date, disclose a reliability rating for each factor, and mark values that are not yet available as "pending". We give no guarantee for the timeliness, completeness or day-to-day accuracy of the underlying data. The individual sources lie outside our control.

8. Scope of service

Ubivo processes publicly available data (sources under “Data sources”) according to the described methodology and combines it with your information into estimates and scenarios. Ubivo owes this processing, not the accuracy, completeness or currency of the source data, and no particular result. Ubivo does not provide legal, tax, financing, construction or real estate advice. Information on affordability, taxes, costs and risks consists of guide values and does not replace a binding statement from the competent body (bank, tax office, municipality, notary, specialist).

9. Your responsibility

You enter the information in your profile (income, assets, purchase price, etc.) yourself; the results depend on it. You make decisions on buying, renting, financing or bids yourself and at your own risk. Before a decision, you check the values that matter to you yourself or have them confirmed. If you fail to do so, this is contributory fault on your part, which may reduce or exclude any compensation (Art. 44 para. 1 CO).

10. Liability

Ubivo is liable only for intent and gross negligence. Liability for slight negligence is excluded, as is liability for auxiliary persons, to the extent permitted by Art. 101 para. 2 CO. Ubivo is not liable for errors in third-party source data (federal government, cantons, municipalities) as long as Ubivo adopted it without gross negligence.

The Dossier is intended for you and your household. Third parties to whom you show or pass it on cannot derive any claims against Ubivo from it.

11. Service definition

Ubivo is a data-aggregation and visualization service based on publicly available Swiss data sources (BFS, BAFU, swisstopo, BAG, ARE, ESTV, ElCom, BAKOM, MeteoSwiss, Open-Meteo, among others). Ubivo provides no real-estate valuation, no legal, tax, banking or insurance advice within the meaning of the relevant Swiss legislation. Personalized factor values (e.g. commute time, tax burden, health-insurance premium) are model calculations based on static tariff data and replace neither the official tax/premium assessment nor individual advice from a qualified professional.

12. Third-party data sources

Ubivo assumes no warranty for the timeliness, completeness or accuracy of data obtained from third parties. Data sources are transparently disclosed on the page /datenquellen with a license note and update status. For data sources with a stated lag ("as of 2018", "as of 2024", etc.) you can assess the change to the present yourself.

13. Availability

Ubivo is operated with great care, however uninterrupted availability (24/7 SLA) is not guaranteed. Maintenance work, technical faults or outages of third parties (e.g. Stripe, Open-Meteo) may cause temporary restrictions. Section 10 applies to damages arising from such outages.

14. Data protection

How Ubivo processes your data is set out in the Privacy Policy.

15. Changes to these Terms

We may amend these Terms for future purchases. The version authoritative for an individual purchase is the one published on ubivo.ch at the time you click to buy. We actively communicate material changes (a notice on the website, and by email for logged-in buyers).

16. Severability clause

Should any provision of these Terms be or become wholly or partially invalid, the remaining provisions stay in force. The invalid provision shall be deemed replaced by the permissible arrangement that comes closest to its economic purpose.

17. Applicable law and place of jurisdiction

Swiss law applies, excluding conflict-of-law rules and the UN Convention on Contracts for the International Sale of Goods (CISG). The place of jurisdiction is the provider’s registered seat (see Legal Notice). For consumers, the mandatory places of jurisdiction of the Swiss Civil Procedure Code apply (Art. 32 and 35 CPC).