Do I need a separate purchase for each address?
No. A purchase is a search project, not a single address: your starting address plus 5 more, so up to 6 addresses at a time, all personalised and all comparable with each other. A second purchase only pays off once the project's 12 address entries are used up. Several projects sit side by side under "Account".
Is there a subscription?
No. One-time purchase, no auto-renewal. Access to a purchased project does not end either. Dossier, PDF and comparison stay open. After 6 months you only get a note that tariffs and timetables may have been updated since.
How do I pay?
Via Stripe (credit card, later also TWINT). We don’t see card details. The payment provider handles it. You don’t need to sign in first: the Dossier is open right after payment. We credit the purchase to a Ubivo account with the email address you enter at Stripe and send you a login link there for your other devices. The receipt arrives by email.
Refunds?
The Dossier is unlocked immediately after payment. Swiss law gives no statutory right of withdrawal for online purchases. For obvious technical errors on our side we refund the amount voluntarily. All cases are in the terms.
What is NOT in Ubivo?
Ubivo is not a site visit, and it's not legal, tax or banking advice. We deliver publicly available data as a weighted overall picture. The decision is yours.
Compare multiple addresses?
Dossier (CHF 79) gives you a search project with up to 6 addresses: your starting address plus 5 more. All addresses in the project compare against each other, all personalised with real commute, tax and health-insurance values for your situation. Manage addresses in your account. Besides the starting address you can enter 12 addresses in total. Every swap counts as one entry, so a full project leaves you 7 swaps. A floor variant of the same address counts as an address of its own. The Compare page still works without an account (2 comparisons per session, with typical values instead of your personal figures).
New build or address without a street?
If your desired address is not yet in the official Swiss directory (first occupancy of a new build, building plot), click Place marker on map below "Address not found". You will still get a full report. Per-floor personalisation (noise, air quality, sunshine) is available from the Dossier (top right). For large new developments from around 50 apartments / 5+ buildings: sunlight and traffic noise can look too optimistic on lower floors, because the new neighbouring buildings are not yet included in the federal building and noise datasets (swissBUILDINGS3D, sonBASE). Once the federal data catches up (~12–18 months after completion), the value corrects automatically.
Noise values vs the developer's figures: who is right?
Ubivo shows the outdoor noise at your address according to the official federal noise model (BAFU sonBASE). It is calculated for a grid cell of 10 × 10 metres, 4 metres above ground, so not at your façade and not indoors. Developer specifications ("Sound class II") refer to indoor noise behind windows according to the SIA 181 building standard. Both values are correct but describe two different realities. The outdoor value tells you what arrives around the building, the indoor value what remains in the closed living room. The difference is typically 25–35 decibels. That's how much soundproof windows absorb. In a dispute with the developer, the SIA standard is what counts legally; the outdoor value helps you as a buyer judge the balcony, airing the home and daytime life outside.
Why does the wealth tax have no score?
By design. In 18 of 26 cantons wealth tax is progressive: the rate climbs differently across wealth brackets. A single flat estimate would only pretend to be accurate. Ubivo instead shows the real multipliers each canton and municipality applies, the type of tariff (progressive or proportional), and links to the official calculator of the Swiss Federal Tax Administration for the exact CHF amount.