1. Scope and purpose
These Terms of Use govern access to and use of this website.
This website is operated by a private individual based in Switzerland and is provided for informational and personal purposes only. By accessing or using this website, you agree to be bound by these Terms of Use.
If you do not agree with these terms, please refrain from using this website.
2. Content and information
All content published on this website is provided for general information and personal reflection only.
The content does not constitute professional, legal, financial, medical, or other advice. Any reliance on information provided on this website is at your own risk.
While reasonable efforts are made to ensure accuracy, completeness, and relevance, no guarantee is given that the content is correct, complete, current, or suitable for any particular purpose.
3. No contractual relationship
Use of this website does not create any contractual, advisory, fiduciary, or professional relationship between you and the website operator.
No obligation to provide services, respond to inquiries, or update content arises from the use of this website.
4. Intellectual property
All content on this website, including but not limited to text, images, and layout, is protected by copyright and other intellectual property rights.
Unless expressly stated otherwise, all rights remain with the website operator.
Content may not be reproduced, distributed, modified, or used for commercial purposes without prior written consent. Private, non-commercial use with proper attribution is permitted.
5. Availability and technical operation
The website is provided on an “as is” and “as available” basis.
No guarantee is given that the website will be available without interruption, error-free, or secure. Access may be restricted or discontinued at any time without notice.
6. External links
This website may contain links to external websites operated by third parties.
No responsibility is assumed for the content, accuracy, or practices of external websites. Accessing third-party websites is at your own risk.
7. Limitation of liability
To the maximum extent permitted by applicable law, the website operator excludes all liability for direct or indirect damages, losses, or claims arising from or in connection with the use of this website.
This includes, without limitation, liability for loss of data, loss of income, or other material or immaterial damages.
Mandatory liability under Swiss law, including liability for intent or gross negligence, remains unaffected.
8. Data protection
Information on the processing of personal data is provided in the Privacy Policy, which forms an integral part of these Terms of Use.
9. Changes to these Terms of Use
The website operator reserves the right to amend these Terms of Use at any time.
The version published on this website at the time of use shall apply.
10. Governing law and jurisdiction
These Terms of Use are governed by Swiss law.
The exclusive place of jurisdiction is Switzerland, unless mandatory statutory provisions provide otherwise.