Do I need a separate purchase for each address?
Each purchase covers one address. If you're comparing several flats, you'll need a purchase for each one. Once you've bought several reports, you can open them side by side under "Account".
Is there a subscription?
No. One-time purchase, no auto-renewal. You only pay for the addresses you're genuinely interested in.
How do I pay?
Via Stripe (credit card, later also TWINT). We don't see card details — the payment provider handles it. The receipt arrives by email.
Refunds?
Personalised reports are unlocked immediately after payment — with the purchase you agree to waive the right of withdrawal for digital content. For obvious technical errors on our side we refund the amount. Details 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''. 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''. You can swap addresses — in total you have 12 address entries. Each swap counts as one entry. 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 ''exterior noise at the unprotected façade'' according to the official federal noise model (BAFU sonBASE). 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 exterior value tells you what you hear on the balcony, the indoor value what arrives 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 exterior 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. Swiss precision rather than guesswork.