Terms of use.

1. Acceptance of terms.

By accessing or using the expat-savvy.ch website, operated by Expat Digital Group LLC, 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: Expat Digital Group LLC (1209 Mountain Road Pl NE STE N, Albuquerque, NM 87110 USA) is the managing entity responsible for website operation, content publishing, and lead generation.
• Broker of record: All specific insurance advisory, consultation, and brokerage services are strictly provided by Lang & Partner GmbH, a FINMA-registered independent insurance broker in Switzerland. Expat Digital Group LLC 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.

Expat Digital Group LLC 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 GmbH.

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.