Terms of use.

1. Acceptance of terms.

By accessing or using the expat-savvy.ch website, operated by Loaded AG, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our services.

2. Platform operator vs. broker of record.

Please note the distinct roles of the entities delivering our service:

• Platform operator: Loaded AG (Klostergutstrasse 4, 8252 Schlatt-Altparadies TG, Switzerland) is the managing entity responsible for website operation, content publishing, and lead generation.
• Broker of record: Specific insurance advisory, consultation, and brokerage services are provided by Lang + Partner Finanzdienstleistungen GmbH, a FINMA-registered independent insurance broker in Switzerland; advice with Nicole Bohne is provided by Vision Bohne, also a FINMA-registered independent insurance broker (F01536404). Loaded AG does not provide regulated financial or insurance advice directly.

3. Use of content.

The guides, checklists, and articles on Expat Savvy are for informational purposes only. While we strive to ensure maximum accuracy regarding Swiss relocation and health insurance, laws and premiums change frequently. The content does not constitute binding legal or financial advice.

4. Limitation of liability.

Loaded AG shall not be held liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use the website, or for any reliance placed on educational content. Insurance coverage decisions ultimately reside exclusively between the user and their chosen insurer, mediated by Lang + Partner Finanzdienstleistungen GmbH or Vision Bohne.

5. Modifications.

We reserve the right to modify or replace these Terms at any time. Your continued use of the platform constitutes acceptance of any updated Terms.