{"id":4647,"date":"2023-07-13T10:49:24","date_gmt":"2023-07-13T08:49:24","guid":{"rendered":"https:\/\/www.swibeco.ch\/?page_id=4647"},"modified":"2025-12-22T18:13:30","modified_gmt":"2025-12-22T17:13:30","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/www.swibeco.ch\/en\/terms-and-conditions\/","title":{"rendered":"General terms and conditions"},"content":{"rendered":"<div class=\"gb-container gb-container-6c8da33d\">\n<div class=\"gb-container gb-container-a593916f\">\n\n<h2 class=\"gb-headline gb-headline-e60f6481 gb-headline-text\">Swibeco Perks &amp; Discounts Platform User Terms<\/h2>\n\n\n\n<p><em>01.01.2026<\/em><\/p>\n\n\n<div class=\"gb-container gb-container-7a18223f gb-accordion\" data-accordion-multiple-open>\n<div class=\"gb-container gb-container-88c01731 gb-accordion__item\" id=\"gb-accordion-content-1c18afe5\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-ae26515a gb-accordion__toggle\" id=\"gb-accordion-toggle-ae26515a\"><span class=\"gb-button-text\">1. Welcome to the Swibeco Perks &amp; Discounts Platform!<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-7858fac6\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-7858fac6\">\n\n<p>Your organization (the\u00a0<strong>Client<\/strong>) has subscribed to the\u00a0<strong>Swibeco Perks &amp;\u00a0Discounts\u00a0Platform<\/strong>\u00a0(the\u00a0<strong>Service\u00a0<\/strong>or\u00a0<strong>Platform<\/strong>).\u00a0<\/p>\n\n\n\n<p>The&nbsp;<strong>Perks &amp;&nbsp;Discounts&nbsp;Platform<\/strong>&nbsp;enables you&nbsp;(<strong>User<\/strong>) to access and redeem exclusive&nbsp;Discounts, offers, and&nbsp;<strong>Flexible&nbsp;Benefits<\/strong>&nbsp;for a selection of goods and services within designated&nbsp;<strong>Benefit Categories.&nbsp;<\/strong>&nbsp;<\/p>\n\n\n\n<p>The&nbsp;<strong>Perks &amp;&nbsp;Discounts&nbsp;Platform<\/strong>&nbsp;enables you&nbsp;(<strong>User<\/strong>) to access and redeem exclusive&nbsp;Discounts, offers, and&nbsp;<strong>Flexible&nbsp;Benefits<\/strong>&nbsp;for a selection of goods and services within designated&nbsp;<strong>Benefit Categories.&nbsp;<\/strong>&nbsp;<\/p>\n\n\n\n<p>These&nbsp;Flexible&nbsp;Benefits&nbsp;are offered to you by&nbsp;the Client and can be one or multiple of the following<strong>&nbsp;Benefit Categories<\/strong>:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Benefit Category<\/th><th class=\"has-text-align-left\" data-align=\"left\">Definition<\/th><th class=\"has-text-align-left\" data-align=\"left\">Usable through<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Gifts<\/td><td class=\"has-text-align-left\" data-align=\"left\">Gifts for personal or professional occasions\u00a0and exclusive access to\u00a0selected offers.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Perks &amp; Discounts Platform<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Rewards<\/td><td class=\"has-text-align-left\" data-align=\"left\">Incentives given in recognition of effort, achievement, or loyalty.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Perks &amp; Discounts Platform<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">SBB-CFF Half Fare<\/td><td class=\"has-text-align-left\" data-align=\"left\">(Swiss Half Fare Card) allows travelers to\u00a0purchase\u00a0tickets for trains, buses, and boats at half price in Switzerland.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Perks &amp; Discounts Platform<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>If you are unsure which&nbsp;<strong>Benefit Categories<\/strong>&nbsp;are available to you, we encourage you to consult with the designated contact person in your organization or&nbsp;consult&nbsp;the&nbsp;<strong>Swibeco app<\/strong>, which provides up-to-date information.&nbsp;<\/p>\n\n\n\n<p>This document (the&nbsp;<strong>Perks &amp;&nbsp;Discounts&nbsp;Platform&nbsp;User Terms<\/strong>&nbsp;or these&nbsp;<strong>Terms<\/strong>) explains how the&nbsp;<strong>Platform<\/strong>&nbsp;works and outlines the terms and conditions that apply to:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>the\u00a0use of the\u00a0<strong>Service<\/strong>;<strong>\u00a0<\/strong>and\u00a0\u00a0<\/li>\n\n\n\n<li>the\u00a0<strong>purchase,\u00a0delivery\u00a0and sale\u00a0<\/strong>of\u00a0Discounts\u00a0on the Platform.\u00a0\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\"><\/ol>\n\n\n\n<p>Our&nbsp;<strong>Privacy Policy<\/strong>&nbsp;also applies.&nbsp;Together&nbsp;with&nbsp;these Terms and all referenced documents, they&nbsp;form the Contract between you and Swibeco&nbsp;for the Service.&nbsp;<\/p>\n\n\n\n<p>When the Client subscribes to the Service, they accept these Terms on your behalf.&nbsp;<strong>By using or receiving the Service, you confirm your continued agreement&nbsp;with&nbsp;these Terms.<\/strong>&nbsp;<\/p>\n\n\n\n<p>If there is a conflict between these&nbsp;<strong>Terms&nbsp;<\/strong>and other contractual documents:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>These\u00a0<strong>Terms<\/strong>\u00a0take precedence for matters specific to the\u00a0<strong>Perks &amp;\u00a0Discounts\u00a0Platform<\/strong>.\u00a0\u00a0<\/li>\n\n\n\n<li>For data protection matters, the\u00a0<a href=\"https:\/\/swibe.co\/privacy-en\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Swibeco Privacy Policy<\/strong><\/a>\u00a0takes\u00a0precedence.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Capitalized terms used in these Terms have consistent meanings throughout this document. While we have aimed to make these Terms as<strong>&nbsp;clear and user-friendly as possible<\/strong>, some \u201clegalese\u201d&nbsp;have&nbsp;been included for compliance.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Please note that:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Client<\/strong>\u00a0refers to the organization that has subscribed to the Swibeco Perks &amp;\u00a0Discounts\u00a0Platform. This is typically your employer but may also include other eligible organizations managing benefits on behalf of\u00a0the User.\u00a0<\/li>\n\n\n\n<li><strong>Employer<\/strong>\u00a0refers to the specific Client that provides you access to the Platform and may\u00a0allocate\u00a0Flexible\u00a0Benefits for your use.\u00a0<\/li>\n\n\n\n<li>Unless otherwise specified, the terms &#8220;Client&#8221; and &#8220;Employer&#8221; may be used interchangeably in these Terms.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>To ensure the Platform continues to meet our users&#8217; needs, we may amend these Terms from time to time to reflect updates to our services, legal requirements, or business practices. All changes will be published on our website and will take effect upon publication. For material updates that significantly affect the Service, we will make reasonable efforts to&nbsp;notify you&nbsp;via email and\/or in-app notifications.&nbsp;<\/p>\n\n\n\n<p>We encourage you to review these Terms regularly. Continued use of the Service after updated Terms have been published means you accept the revised Terms.&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-762014e8 gb-accordion__item\" id=\"gb-accordion-content-1c18afe5\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-19171557 gb-accordion__toggle\" id=\"gb-accordion-toggle-19171557\"><span class=\"gb-button-text\">2. How to Access the Perks &amp; Discounts Platform<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-acc731d4\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-acc731d4\">\n\n<h4 class=\"gb-headline gb-headline-f06d029c gb-headline-text h4-accordeon\">2.2. <strong>How Access is Granted<\/strong><\/h4>\n\n\n\n<p>Your access to the Platform is provided and managed by your Employer. The availability of certain features or benefits may depend on your Employer\u2019s subscription&nbsp;to&nbsp;Swibeco.&nbsp;<\/p>\n\n\n\n<p>You will receive an&nbsp;<strong>invitation<\/strong>&nbsp;from your employer to join the Platform. Once invited, you must&nbsp;<strong>create login credentials<\/strong>&nbsp;to securely access your account.&nbsp;<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-6736e7ab gb-headline-text h4-accordeon\">2.2. Maintaining Your Access<\/h4>\n\n\n\n<p>As long as&nbsp;your employer&nbsp;maintains&nbsp;your access, you may:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Browse\u00a0and enjoy\u00a0Discounts\u00a0on\u00a0the Platform,\u00a0<\/li>\n\n\n\n<li>Redeem\u00a0<strong>Flexible\u00a0Benefits<\/strong>, if provided by your employer\u00a0and within their validity period\u00a0(see Section 4.2 \u201cValidity and Expiration\u201d)\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Your access is linked to your employment status or contractual relationship with the Client. If this relationship ends, your access may also be revoked.&nbsp;If&nbsp;the Client&nbsp;<strong>revokes or deactivates<\/strong>&nbsp;your access, your account will be deactivated, and you will&nbsp;<strong>no longer be able to use the Platform<\/strong>.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Swibeco&nbsp;<strong>does not control or&nbsp;decide<\/strong>&nbsp;access permissions\u2014this is entirely at the discretion of&nbsp;the Client.&nbsp;<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-782766ac gb-headline-text h4-accordeon\">2.3.&nbsp;Employer-Specific Access Limitations<\/h4>\n\n\n\n<p>Your employer&nbsp;determines&nbsp;the level of access and benefits available to you. If your employer has a&nbsp;<strong>special arrangement<\/strong>&nbsp;with Swibeco under which they pay&nbsp;<strong>no&nbsp;Licence&nbsp;Fees<\/strong>, you may have&nbsp;<strong>limited access<\/strong>&nbsp;to certain offers,&nbsp;Discounts, or features.&nbsp;<\/p>\n\n\n\n<p>If you have any questions about your eligibility, access, or available benefits, please contact your employer directly.&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-4172afec gb-accordion__item\" id=\"gb-accordion-content-1c18afe5\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-44498552 gb-accordion__toggle\" id=\"gb-accordion-toggle-44498552\"><span class=\"gb-button-text\">3. What Can You Purchase on the Platform?<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-955552c8\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-955552c8\">\n\n<h4 class=\"gb-headline gb-headline-7cfc7817 gb-headline-text h4-accordeon\">3.1. <strong>Overview of Available Offers<\/strong><\/h4>\n\n\n\n<p>Swibeco provides you with access to&nbsp;<strong>attractive&nbsp;discounts, special conditions, and prepaid spending opportunities<\/strong>&nbsp;through the Swibeco Perks &amp;&nbsp;Discounts&nbsp;Platform (Platform). The Platform features two types of offers:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Swibeco\u00a0Discounts\/Offers<\/strong>\u00a0are\u00a0vouchers,\u00a0products, goods, and services\u00a0<strong>manufactured or distributed by Partners<\/strong>\u00a0and offered on the Platform under special conditions.\u00a0Swibeco acts as the contractual seller but does not manufacture, distribute, or provide the underlying product or service.\u00a0The\u00a0Partners\u00a0remain\u00a0responsible for their\u00a0<strong>quality, performance, and availability<\/strong>. Any\u00a0<strong>warranties, returns, or refund policies<\/strong>\u00a0are governed by\u00a0Swibeco\u2019s\u00a0terms and conditions\u00a0available on the platform\u00a0for\u00a0each specific deal.\u00a0<\/li>\n\n\n\n<li><strong>Partner\u00a0Discounts<\/strong>\u00a0are products, goods, and services\u00a0<strong>manufactured or distributed by Partners, which they offer\u00a0directly\u00a0to you<\/strong>\u00a0at special conditions through the Platform. In these transactions, the Partner is the seller and is fully responsible for pricing, availability,\u00a0warranties,\u00a0order fulfillment, and customer service. Swibeco does not act as a contractual party or assume any liability for Partner\u00a0Discounts.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong>Partners<\/strong>&nbsp;are third-party merchants, service providers, or distributors that collaborate with Swibeco to offer&nbsp;special&nbsp;conditions on the Platform.&nbsp;<\/p>\n\n\n\n<p>The&nbsp;<strong>products, services, or vouchers<\/strong>&nbsp;available on the Platform (<strong>collectively, &#8220;Discounts&#8221;<\/strong>) may vary depending on your employer\u2019s subscription and the&nbsp;<strong>Benefit Categories<\/strong>&nbsp;available to you.&nbsp;<strong>&#8220;<\/strong>) may vary depending on your employer\u2019s subscription and the <strong>Benefit Categories <\/strong>available to you.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-0ad4c23b gb-headline-text h4-accordeon\">3.3. Swibeco Discounts \u2013 Sold by Swibeco<\/h4>\n\n\n\n<p>Swibeco&nbsp;Discounts\/Offers&nbsp;include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Products, services, or vouchers<\/strong>\u00a0offered through Swibeco.\u00a0<\/li>\n\n\n\n<li><strong>Voucher\u00a0Discounts<\/strong>\u00a0\u2013 prepaid vouchers that can only be redeemed with the issuing Partner.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-797e47d0 gb-headline-text h4-accordeon\">3.3. Partner Discounts \u2013 Sold by the Partner<\/h4>\n\n\n\n<p><strong>Partner&nbsp;Discounts&nbsp;<\/strong>may:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offer\u00a0<strong>discounted prices or special conditions<\/strong>\u00a0for Swibeco Users.\u00a0<\/li>\n\n\n\n<li><strong>Swibeco will redirect you to the Partner\u2019s website<\/strong>\u00a0to complete your purchase under their terms.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-6d15acc2 gb-headline-text h4-accordeon\">3.4. <strong>Buying\u00a0Discounts\/Offers\u00a0with\u00a0Flexible\u00a0Benefits\u00a0<\/strong><\/h4>\n\n\n\n<p>Flexible&nbsp;Benefits are&nbsp;<strong>credits provided by your employer<\/strong>&nbsp;that allow you to purchase&nbsp;<strong>Swibeco&nbsp;Discounts\/Offers<\/strong>&nbsp;within the&nbsp;<strong>Benefit Categories defined by your employer<\/strong>. They offer a seamless way to enjoy exclusive offers and discounts on the Platform.&nbsp;<\/p>\n\n\n\n<p>For details on how to redeem them, please refer to the next section.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-3bc2b7c5 gb-accordion__item\" id=\"gb-accordion-content-1c18afe5\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-0fc06a5d gb-accordion__toggle\" id=\"gb-accordion-toggle-0fc06a5d\"><span class=\"gb-button-text\">4. Redeeming Flexible Benefits<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-58c63dc1\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-58c63dc1\">\n\n<p>Flexible\u00a0Benefits allow you to\u00a0purchase\u00a0eligible\u00a0<strong>Discounts\/Offers<\/strong>\u00a0within the Benefit Categories defined by your\u00a0employer. <\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-9e982784 gb-headline-text h4-accordeon\">4.1. <strong>How\u00a0to Use Your\u00a0Flexible\u00a0Benefits\u00a0<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When checking out, you can\u00a0<strong>select\u00a0Flexible\u00a0Benefits as your payment method<\/strong>\u00a0for eligible\u00a0Discounts\/Offers.\u00a0<\/li>\n\n\n\n<li>Your available balance and applicable Benefit Categories are displayed in your account.\u00a0<\/li>\n\n\n\n<li>The redemption of\u00a0Flexible\u00a0Benefits for\u00a0purchasing\u00a0Discounts\/Offers\u00a0may be subject to specific conditions or limitations.\u00a0Generally, any\u00a0price reductions or rebates associated with Discounts\/Offers\u00a0do not apply when you use\u00a0Gifts\u00a0for the purchase. Please refer to the specific terms or payment conditions related to the Discounts\/Offers\u00a0for any limitations.\u00a0<\/li>\n\n\n\n<li>If you have any questions about your allocation or spending limits, please contact your employer.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-814be5ee gb-headline-text h4-accordeon\">4.1. <strong>Validity and Expiration\u00a0<\/strong><\/h4>\n\n\n\n<p>Flexible&nbsp;Benefits&nbsp;remain&nbsp;available for use until they expire based on the following conditions:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Standard Validity:\u00a0<\/strong>The validity of the\u00a0Flexible\u00a0Benefits provided by your Employer shall end on the date specified in your Account.\u00a0\u00a0<\/li>\n\n\n\n<li><strong>Promotional Offers:<\/strong>\u00a0If\u00a0Flexible\u00a0Benefits\u00a0are offered by\u00a0Swibeco\u00a0for a\u00a0promotional offer, their validity period is\u00a0determined\u00a0by the terms of that\u00a0promotion.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-c85257b6 gb-headline-text h4-accordeon\">4.2. <strong>Conditions of Use<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Flexible\u00a0Benefits\u00a0<strong>can only be used to\u00a0purchase\u00a0eligible\u00a0Discounts\/Offers<\/strong>\u00a0within the Benefit Categories assigned by your employer, subject to applicable redemption limitations (see above Section 4.1).\u00a0<\/li>\n\n\n\n<li>Flexible\u00a0Benefits\u00a0cannot be exchanged for cash, transferred, or refunded.\u00a0<\/li>\n\n\n\n<li><strong>Once expired or if your access to the Platform is deactivated,\u00a0you can no longer use\u00a0any remaining\u00a0Flexible\u00a0Benefits.<\/strong>\u00a0<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-4948d064 gb-accordion__item\" id=\"gb-accordion-content-1c18afe5\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-7cec12ca gb-accordion__toggle\" id=\"gb-accordion-toggle-7cec12ca\"><span class=\"gb-button-text\">5. My\u00a0Swibeco\u00a0Credits<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-f67a266b\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-f67a266b\">\n\n<p><em>My\u00a0Swibeco\u00a0Credits<\/em>\u00a0are digital funds credited to a\u00a0User\u2019s\u00a0account, accumulated\u00a0among\u00a0others\u00a0through\u00a0<strong>cashback on purchases<\/strong>\u00a0and\u00a0<strong>Swibeco\u00a0competitions<\/strong>. My\u00a0Swibeco\u00a0Credits appear in your account and may be used as a payment method. My\u00a0Swibeco\u00a0Credits cannot be withdrawn\u00a0or\u00a0reimbursed\u00a0as cash.\u00a0<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-6d4e4a26 gb-headline-text h4-accordeon\">5.1. <strong><strong>How My\u00a0Swibeco\u00a0Credits work:<\/strong>\u00a0<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Use freely on the platform:\u00a0<\/strong>Users may use My\u00a0Swibeco\u00a0Credits to pay for eligible Discounts\/Offers. At checkout select My\u00a0Swibeco\u00a0Credits as the payment method.\u00a0\u00a0<\/li>\n\n\n\n<li>Use\u00a0it\u00a0like\u00a0a\u00a0<strong>classic payment method<\/strong>:\u00a0My\u00a0Swibeco\u00a0Credits may be\u00a0combined with other payment methods\u00a0(for example,\u00a0TWINT, VISA,\u00a0or Mastercard) to complete a purchase.\u00a0<\/li>\n\n\n\n<li>Discounts:\u00a0My\u00a0Swibeco\u00a0Credits are\u00a0valid on offers with permanent discounts,\u00a0and\u00a0<strong>all\u00a0Platform discounts\u00a0<\/strong>are applicable when\u00a0purchasing\u00a0with My\u00a0Swibeco\u00a0Credits.\u00a0<\/li>\n\n\n\n<li><strong>Immediate debit:<\/strong>\u00a0When used, the applicable credit balance is debited\u00a0immediately\u00a0from the User account.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-615aacc8 gb-headline-text h4-accordeon\">5.2. <strong>Validity and expiration<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Service-resolution credits:<\/strong>\u00a0Swibeco\u00a0Credits issued by\u00a0Swibeco\u00a0as a service remedy or compensation expire\u00a030 days\u00a0after they are posted to the User account.\u00a0<\/li>\n\n\n\n<li><strong>Cashback and partner credits:\u00a0<\/strong>Swibeco\u00a0Credits originating from cashback or Partners expire\u00a024 months\u00a0after they are posted to the User account.\u00a0<\/li>\n\n\n\n<li><strong>Promotional credits:<\/strong>\u00a0Where\u00a0Swibeco\u00a0Credits are issued under a promotion, the promotion terms\u00a0determine\u00a0validity.\u00a0<\/li>\n\n\n\n<li>Expiry is\u00a0<strong>calculated\u00a0<\/strong>from the posting date. After expiry, credits are removed and cannot be used.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-24f7faf1 gb-headline-text h4-accordeon\">5.3. <strong>Conditions of use<\/strong>\u00a0<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>My\u00a0Swibeco\u00a0Credits are\u00a0<strong>non-transferable,\u00a0non-refundable<\/strong>, and\u00a0<strong>cannot be exchanged\u00a0<\/strong>for cash\u00a0<\/li>\n\n\n\n<li>My\u00a0Swibeco\u00a0Credits may only be used for Discounts\/Offers and Benefit Categories assigned by the Client, subject to any limits displayed in the User account.\u00a0<\/li>\n\n\n\n<li>If a\u00a0User\u2019s\u00a0access is\u00a0<strong>deactivated\u00a0<\/strong>or the subscription\u00a0is\u00a0<strong>terminated<\/strong>, any unused My\u00a0Swibeco\u00a0Credits are no longer available\u00a0and may no longer be used.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-949640ea gb-headline-text h4-accordeon\">5.4 What Happens if a Deal is Unavailable After Purchase?<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Swibeco Discounts: <\/strong>If you\u2019ve already bought a Swibeco Deal but it turns out to be unavailable before it\u2019s delivered or redeemed, we\u2019ll <strong>cancel your order and refund you <\/strong>within <strong>14 days<\/strong>. If you paid with Prepaid Benefits, we would refund you in Prepaid Benefit.<\/li>\n\n\n\n<li><strong>Partner Discounts: <\/strong>If a Partner removes a Deal after you have placed an order but before fulfillment, the Partner is responsible for issuing any necessary refunds or alternative solutions under their terms. Swibeco is not involved in these transactions.<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-17d78d28 gb-accordion__item\" id=\"gb-accordion-content-1c18afe5\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-dd70fbe1 gb-accordion__toggle\" id=\"gb-accordion-toggle-dd70fbe1\"><span class=\"gb-button-text\">6. Discounts\/Offers\u00a0Availability\u00a0\u00a0<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-ea8b66f5\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-ea8b66f5\">\n\n<h4 class=\"gb-headline gb-headline-a03ef0de gb-headline-text h4-accordeon\">6.1. <strong>Availability of Discounts<\/strong><\/h4>\n\n\n\n<p>Discounts\/Offers&nbsp;are valid only while they are displayed and within the limits of available stock. Some&nbsp;Discounts&nbsp;may have limited quantities or specific eligibility conditions based on your employer\u2019s agreement with Swibeco.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Swibeco&nbsp;cannot guarantee that&nbsp;Swibeco&nbsp;Discounts\/Offers&nbsp;will always be available. For Partner&nbsp;Discounts, availability is governed by the Partner&#8217;s terms.&nbsp;<strong>Promotional offers<\/strong>&nbsp;may be time&nbsp;limited,&nbsp;timewise&nbsp;or quantity-wise. If a promotional Deal is no longer available when you try to buy it, you&nbsp;won\u2019t&nbsp;be able to complete the purchase.&nbsp;<\/p>\n\n\n\n<p>Note that certain Offers are only available for purchase or redemption with&nbsp;Gifts. Please check your Account or ask your Employer if you have&nbsp;received Gifts.&nbsp;&nbsp;<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-0ea5ac77 gb-headline-text h4-accordeon\">6.2. Product Images and Descriptions<\/h4>\n\n\n\n<p>We do our best to provide&nbsp;accurate&nbsp;descriptions and images, but&nbsp;<strong>they\u2019re&nbsp;for illustration only<\/strong>. The actual product, service, or voucher may look a little different, and in case of differences,&nbsp;the real Deal&nbsp;takes priority.&nbsp;<\/p>\n\n\n\n<p>Swibeco&nbsp;isn\u2019t&nbsp;responsible for small errors, misprints, or pricing mistakes. Also, if you see something in a newsletter or an ad, remember that&nbsp;it\u2019s&nbsp;<strong>information only<\/strong>\u2014it\u2019s&nbsp;not a guaranteed offer.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-34a9a6c8 gb-headline-text h4-accordeon\">6.3. <strong>Changes and Removal of\u00a0Discounts\/Offers\u00a0<\/strong><\/h4>\n\n\n\n<p>Swibeco may&nbsp;<strong>update, change, or remove&nbsp;Discounts\/Offers&nbsp;at any time<\/strong>&nbsp;without notice. This can happen if:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A Partner stops offering a Deal,\u00a0<\/li>\n\n\n\n<li>A product or service is no longer available,\u00a0<\/li>\n\n\n\n<li>There was an error in the price or description, or\u00a0<\/li>\n\n\n\n<li>A promotional Deal has expired.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>If a Deal is removed before you complete your purchase, we&nbsp;<strong>can\u2019t&nbsp;guarantee<\/strong>&nbsp;the same price or conditions later.&nbsp;<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-06c0dea8 gb-headline-text h4-accordeon\">6.4 What Happens if a Deal is Unavailable After Purchase?<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Swibeco\u00a0Discounts\/Offers:<\/strong>\u00a0If\u00a0you\u2019ve\u00a0already bought a\u00a0Swibeco\u00a0Deal\u00a0but it turns out to be unavailable before\u00a0it\u2019s\u00a0delivered or redeemed,\u00a0we\u2019ll\u00a0<strong>cancel your order and refund you<\/strong>\u00a0within\u00a0<strong>14 days<\/strong>. If you paid with\u00a0Flexible\u00a0Benefits, we\u00a0would\u00a0refund you in\u00a0Swibeco Credits.\u00a0<\/li>\n\n\n\n<li><strong>Partner\u00a0Discounts:<\/strong>\u00a0If a Partner removes a Deal after you have placed an order but before fulfillment, the Partner\u00a0is responsible for\u00a0issuing any necessary refunds or alternative solutions under their terms. Swibeco is not involved in these transactions.\u00a0<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-6eb17fdf gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-d0c59915 gb-accordion__toggle\" id=\"gb-accordion-toggle-d0c59915\"><span class=\"gb-button-text\">7. Order and Purchase of Product<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-3e0c25eb\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-3e0c25eb\">\n\n<h4 class=\"gb-headline gb-headline-1c260d86 gb-headline-text h4-accordeon\">7.1. <strong><strong>General Conditions for Ordering\u00a0Discounts\/Offers\u00a0<\/strong><\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can place an order for\u00a0<strong>Swibeco\u00a0Discounts\/Offers<\/strong>\u00a0and\u00a0<strong>eligible Partner\u00a0Discounts<\/strong>\u00a0directly through the Platform.\u00a0<\/li>\n\n\n\n<li>Your purchase becomes\u00a0<strong>binding<\/strong>\u00a0as soon as you confirm your order.\u00a0You\u2019ll\u00a0receive a confirmation email or an in-app notification once the order is final.\u00a0<\/li>\n\n\n\n<li>Your order is\u00a0<strong>validated<\/strong>\u00a0only once we have received\u00a0<strong>full payment<\/strong>\u00a0of the purchase price and any applicable costs (e.g., delivery charges).\u00a0<\/li>\n\n\n\n<li>Swibeco reserves the right to\u00a0<strong>refuse or cancel orders<\/strong>\u00a0if they appear unusual or fraudulent, such as\u00a0large quantities\u00a0of the same Deal being\u00a0purchased\u00a0without\u00a0a clear reason.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-4166c924 gb-headline-text h4-accordeon\">7.2. Purchase Prices and Costs<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All prices are displayed in\u00a0<strong>Swiss Francs (CHF)\u00a0or in Euros (EUR)<\/strong>\u00a0and\u00a0<strong>include VAT<\/strong>\u00a0where applicable.\u00a0If the prices are listed in\u00a0EUR, both the effective purchase price and any remaining balance (if you use\u00a0Flexible\u00a0Benefits\u00a0to pay for your order) will be calculated using the CHF conversion rate that we will provide during the purchase process.\u00a0<\/li>\n\n\n\n<li>Additional\u00a0costs, such as\u00a0<strong>delivery\u00a0fees,<\/strong>\u00a0are specified\u00a0in the deal.\u00a0<\/li>\n\n\n\n<li>Some special orders may require\u00a0<strong>specific shipping conditions<\/strong>, which could result in extra assembly or handling fees.\u00a0<\/li>\n\n\n\n<li>If the total value of your shopping cart is\u00a0<strong>less than CHF 50.00<\/strong>, an\u00a0additional\u00a0<strong>handling fee of up to CHF 9.00<\/strong>\u00a0may apply.\u00a0<\/li>\n\n\n\n<li>When redeeming\u00a0<strong>Gifts\u00a0<\/strong>to\u00a0purchase\u00a0Offers on the Platform, there may be specific conditions or limitations. Typically,\u00a0<strong>discounted prices\u00a0may\u00a0not\u00a0be\u00a0available<\/strong>\u00a0when buying\u00a0Offers\u00a0with\u00a0Gifts, and the price you pay may vary depending on how\u00a0and in which currency\u00a0you\u00a0purchase\u00a0the\u00a0Offers.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong>Important Information&nbsp;Regarding&nbsp;Price Accuracy and Errors!<\/strong>&nbsp;<\/p>\n\n\n\n<p>Swibeco&nbsp;strives to&nbsp;ensure that&nbsp;all prices displayed on the Platform are&nbsp;accurate&nbsp;and continuously&nbsp;monitored.&nbsp;However, despite our best efforts,&nbsp;<strong>errors may occasionally occur<\/strong>&nbsp;due to factors beyond our control.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>For Swibeco\u00a0Discounts\/Offers<\/strong>, we take all reasonable steps to ensure pricing accuracy at the time of display.\u00a0<\/li>\n\n\n\n<li><strong>For Partner\u00a0Discounts<\/strong>, Swibeco\u00a0<strong>does not control pricing<\/strong>\u00a0and cannot guarantee that the price displayed on the Platform will always match the\u00a0final price\u00a0on the Partner\u2019s website. The Partner is solely responsible for the accuracy of their pricing.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Price discrepancies may arise due to:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Technical issues<\/strong>, such as software bugs, system malfunctions, or incorrect price feeds from suppliers.\u00a0<\/li>\n\n\n\n<li><strong>Human errors<\/strong>, including incorrect manual data entry or outdated pricing information.\u00a0<\/li>\n\n\n\n<li>Incorrect price feeds from Partners, where a Partner provides incorrect or incomplete pricing details.\u00a0<\/li>\n\n\n\n<li><strong>Display errors<\/strong>, where promotional discounts are incorrectly applied or misrepresented.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>If a&nbsp;<strong>manifest pricing error<\/strong>&nbsp;occurs\u2014such as an&nbsp;<strong>excessively high rebate, incorrect discount, or pricing mismatch<\/strong>\u2014Swibeco reserves the right to&nbsp;<strong>cancel the order<\/strong>. Any&nbsp;payment already&nbsp;made will be refunded.&nbsp;If a manifest pricing error is discovered after a Deal has been fulfilled, Swibeco may seek recovery of the incorrect discount amount in good faith, including through an adjusted invoice or offsetting future purchases.&nbsp;<\/p>\n\n\n\n<p>If you knowingly&nbsp;proceed&nbsp;with an order that&nbsp;contains&nbsp;a&nbsp;<strong>clear and obvious pricing error<\/strong>, we may consider the transaction&nbsp;<strong>invalid<\/strong>&nbsp;and recover any&nbsp;financial loss&nbsp;incurred,&nbsp;including by&nbsp;offsetting the refunded amount against future purchases.&nbsp;<\/p>\n\n\n\n<p>We&nbsp;remain&nbsp;<strong>committed to transparency and accuracy<\/strong>&nbsp;in pricing and will take all reasonable measures to correct any identified errors as quickly as possible&nbsp;<\/p>\n\n\n\n<p><strong>Price Changes<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Swibeco and Partners may adjust prices at\u00a0<strong>any time<\/strong>.\u00a0<\/li>\n\n\n\n<li>The\u00a0<strong>only binding price<\/strong>\u00a0for your purchase is the one confirmed in your\u00a0<strong>final order confirmation\u00a0<\/strong>(unless there is a pricing error, see above).\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-541f06ad gb-headline-text h4-accordeon\">7.3. Voucher Discounts<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Voucher\u00a0Discounts<\/strong>\u00a0allow you to\u00a0purchase\u00a0prepaid vouchers that must be\u00a0<strong>redeemed directly with the issuing Partner<\/strong>.\u00a0<\/li>\n\n\n\n<li>Voucher\u00a0Discounts\u00a0may be subject to\u00a0<strong>time limits or other restrictions<\/strong>. Always check the specific offer details.\u00a0<\/li>\n\n\n\n<li><strong>Important:<\/strong>\u00a0You\u00a0<strong>cannot<\/strong>\u00a0redeem a Voucher Deal with Swibeco, and\u00a0<strong>no cash refunds<\/strong>\u00a0or exchanges are possible.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-a4a7e8c6 gb-headline-text h4-accordeon\">7.4. Payment Methods and Conditions<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payment can only be made using the\u00a0<strong>methods specified<\/strong>\u00a0at checkout. This includes payment via\u00a0<strong>Flexible\u00a0Benefits<\/strong>\u00a0(where applicable),\u00a0Swibeco\u00a0Credits (if\u00a0available),\u00a0credit card, or other payment providers\u00a0as displayed at checkout.\u00a0<\/li>\n\n\n\n<li>Swibeco\u00a0<strong>retains ownership<\/strong>\u00a0of Swibeco\u00a0Discounts\u00a0until full payment is received. We may\u00a0<strong>suspend delivery or cancel the order<\/strong>\u00a0if payment is not completed.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-3a7582ff gb-headline-text h4-accordeon\">7.5. Payment Conditions for Partner Discounts<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you\u00a0purchase\u00a0a\u00a0<strong>Partner Deal<\/strong>, the\u00a0<strong>Partner\u2019s payment terms<\/strong>\u00a0apply.\u00a0<\/li>\n\n\n\n<li>Payment, refunds, and any billing issues related to Partner\u00a0Discounts\u00a0should be handled directly with the Partner.\u00a0<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-99bd8eb1 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-5c649398 gb-accordion__toggle\" id=\"gb-accordion-toggle-5c649398\"><span class=\"gb-button-text\">8. Delivery of Products<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-ddf3c19c\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-ddf3c19c\">\n\n<h4 class=\"gb-headline gb-headline-f266b181 gb-headline-text h4-accordeon\"><strong>8.1. Delivery of Voucher Discounts<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Voucher\u00a0Discounts\u00a0are delivered\u00a0<strong>digitally<\/strong>\u00a0and sent to you electronically via the Swibeco Platform\u00a0and app.\u00a0<\/li>\n\n\n\n<li>Redemption and delivery of the underlying product or service are\u00a0<strong>governed by the Partner\u2019s terms<\/strong>. Please check the relevant offer for applicable conditions, including\u00a0expiration\u00a0dates or any redemption restrictions.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-3bb6261f gb-headline-text h4-accordeon\">8.2. <strong>Delivery of\u00a0Swibeco\u00a0Discounts\/Offers\u00a0<\/strong><\/h4>\n\n\n\n<p>For&nbsp;Swibeco&nbsp;Discounts\/Offers&nbsp;(where&nbsp;Swibeco&nbsp;is the seller), physical products and goods are shipped&nbsp;<strong>at an address of your choice&nbsp;in Switzerland or Liechtenstein<\/strong>.&nbsp;Please consult the&nbsp;Swibeco&nbsp;Discount information for&nbsp;possible delivery&nbsp;restrictions in Liechtenstein. In any case, we cannot ship or arrange shipping outside of these&nbsp;two&nbsp;countries.&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Shipping &amp; Logistics<\/strong>:\u00a0\n<ul class=\"wp-block-list\">\n<li>Deliveries are\u00a0<strong>handled by our manufacturers, distributors, or third-party shipping partners<\/strong>.\u00a0<\/li>\n\n\n\n<li>Products are shipped to the\u00a0<strong>delivery address provided at checkout<\/strong>. Please ensure that your details are correct, as Swibeco and its partners rely on this information to fulfill your order.\u00a0<\/li>\n\n\n\n<li>Deliveries are made\u00a0<strong>only to addresses that are easily accessible by lorry<\/strong>. If your address requires special delivery arrangements, any\u00a0additional\u00a0costs will be borne by you.\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Failed Deliveries &amp; Additional Costs<\/strong>:\u00a0\n<ul class=\"wp-block-list\">\n<li>If a delivery attempt fails due to an incorrect address, absence of the recipient, or an inaccessible location, any extra costs for redelivery or return will be your responsibility.\u00a0<\/li>\n\n\n\n<li>If you choose a delivery option that allows the carrier to leave the parcel\u00a0<strong>without signature<\/strong>\u00a0(e.g., \u201cleave at door \/ safe place\u201d) or you grant the carrier an authorization for delivery, we will treat the parcel as\u00a0<strong>delivered\u00a0<\/strong>once it is deposited at the agreed location. From that point, the risk of loss or theft passes to you.\u00a0<\/li>\n\n\n\n<li>If a product is returned due to unsuccessful delivery, Swibeco may charge\u00a0additional\u00a0handling fees for re-shipping.\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Estimated Delivery Times<\/strong>:\u00a0\n<ul class=\"wp-block-list\">\n<li>The estimated delivery time provided at checkout or in the order confirmation is\u00a0<strong>indicative only and not binding<\/strong>.\u00a0<\/li>\n\n\n\n<li>Delays may occur due to\u00a0<strong>logistical issues, supply chain disruptions, or other unforeseen circumstances<\/strong>.\u00a0<\/li>\n\n\n\n<li>Orders cannot be canceled due to delivery delays, unless explicitly\u00a0permitted\u00a0under the applicable terms.\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-f5b485c1 gb-headline-text h4-accordeon\">8.3. Delivery of Partner Discounts<\/h4>\n\n\n\n<p>For Partner\u00a0Discounts,\u00a0Swibeco\u00a0does not oversee shipping, handling, or estimated delivery times.\u00a0For\u00a0any concerns\u00a0regarding\u00a0delivery, you may contact\u00a0Swibeco.\u00a0Swibeco\u00a0will\u00a0forward\u00a0your request to the Partner and keep you informed of the Partner\u2019s\u00a0response.\u00a0<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-9cf82a2c gb-headline-text h4-accordeon\">8.4. No In-Store Collection<\/h4>\n\n\n\n<p>Swibeco does not offer in-store collection. All physical orders are shipped to the designated delivery address.\u00a0<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-f9228f5e gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-e15e004f gb-accordion__toggle\" id=\"gb-accordion-toggle-e15e004f\"><span class=\"gb-button-text\">9. Warranty<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-9331f7fb\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-9331f7fb\">\n\n<h4 class=\"gb-headline gb-headline-576862e1 gb-headline-text h4-accordeon\">9.1. <strong><strong>Warranty for\u00a0Swibeco\u00a0Discounts\/Offers\u00a0(Where\u00a0Swibeco\u00a0is the Seller)\u00a0<\/strong><\/strong><\/h4>\n\n\n\n<p>For Swibeco&nbsp;Discounts, warranty claims are&nbsp;<strong>handled directly by the Partner<\/strong>&nbsp;(the manufacturer or distributor of the product):&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Swibeco\u00a0<strong>assigns all warranty rights<\/strong>\u00a0to you.\u00a0You may contact us first so that we can\u00a0assist\u00a0you in obtaining the Partner\u2019s support.\u00a0<\/li>\n\n\n\n<li>The\u00a0<strong>Partner\u2019s warranty terms<\/strong>\u00a0apply to the product. Please check the product listing or warranty documents for details on coverage and duration.\u00a0<\/li>\n\n\n\n<li><strong>Inspection Upon Receipt<\/strong>:\u00a0We strongly recommend that you inspect the product as soon as you receive it. If you notice any defects or issues, please report them to\u00a0Swibeco\u00a0immediately.\u00a0It\u2019s\u00a0advisable to do this within\u00a0no more than\u00a05 days of delivery to ensure you do not lose your rights.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong>Voucher&nbsp;Discounts<\/strong>:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For Voucher\u00a0Discounts, any concerns about\u00a0<strong>redemption,\u00a0expiration, or conditions<\/strong>\u00a0must be addressed directly to the issuing Partner.\u00a0<\/li>\n\n\n\n<li>The\u00a0<strong>Partner\u2019s terms and conditions<\/strong>\u00a0apply to the redemption and use of the voucher.\u00a0<\/li>\n\n\n\n<li>Swibeco\u00a0<strong>does not process refunds or provide support<\/strong>\u00a0for voucher redemption issues.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong>Swibeco\u2019s&nbsp;Role<\/strong>:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Swibeco\u00a0<strong>does not assume responsibility for product defects\u00a0<\/strong>but is happy to\u00a0assist\u00a0in mediating disputes between you and the Partner where possible.\u00a0<\/li>\n\n\n\n<li>Your\u00a0<strong>exclusive remedies\u00a0<\/strong>are those provided under the Partner\u2019s warranty.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-95a3954d gb-headline-text h4-accordeon\">9.2. Warranty\u00a0for\u00a0Partner\u00a0Discounts\u00a0(Where\u00a0the\u00a0Partner\u00a0is\u00a0the\u00a0Seller)<\/h4>\n\n\n\n<p>For Partner&nbsp;Discounts, the&nbsp;<strong>Partner\u2019s warranty terms and conditions apply<\/strong>:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Swibeco\u00a0<strong>is not a party to the transaction<\/strong>\u00a0and does not provide any warranties on behalf of the Partner.\u00a0<\/li>\n\n\n\n<li>If you have a warranty claim or a product defect, you must contact the Partner directly.\u00a0<\/li>\n\n\n\n<li>Swibeco does not assume responsibility for the\u00a0<strong>quality, condition, or performance<\/strong>\u00a0of Partner\u00a0Discounts.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-9c87b25e gb-headline-text h4-accordeon\">9.3. Swibeco\u2019s\u00a0General\u00a0Warranty\u00a0Disclaimer<\/h4>\n\n\n\n<p>Regardless of the type of Deal&nbsp;purchased:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Swibeco does\u00a0<strong>not provide warranties<\/strong>\u00a0beyond those explicitly\u00a0stated\u00a0in these Terms.\u00a0<\/li>\n\n\n\n<li>Swibeco\u00a0<strong>excludes all liability<\/strong>\u00a0for defects, malfunctions, or non-conformities, except where explicitly required by law.\u00a0<\/li>\n\n\n\n<li>Swibeco\u2019s\u00a0<strong>only responsibility<\/strong>\u00a0is to\u00a0operate\u00a0the\u00a0Platform and\u00a0ensure the proper display of\u00a0Discounts, to the best of its ability.\u00a0<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-cf109714 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-78ebffa6 gb-accordion__toggle\" id=\"gb-accordion-toggle-78ebffa6\"><span class=\"gb-button-text\">10. Prohibited\u00a0Use<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-25f1f2db\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-25f1f2db\">\n\n<p>The following restrictions apply to all Users:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Manipulating Prices or Exploiting Errors:<\/strong>\u00a0<br>Any attempt to manipulate prices, take advantage of pricing errors, or knowingly\u00a0purchase\u00a0Discounts\u00a0with incorrect pricing is\u00a0strictly prohibited.\u00a0<\/li>\n\n\n\n<li><strong>Sharing Discount Codes or Exclusive Offers Externally:<\/strong>\u00a0<br>Discounts, discount codes, and special conditions available on the Platform are for\u00a0<strong>personal use only<\/strong>\u00a0and may\u00a0<strong>not<\/strong>\u00a0be shared, resold, or distributed outside of authorized Users.\u00a0<\/li>\n\n\n\n<li><strong>Fraudulent Activities:<\/strong>\u00a0<br>Users may\u00a0<strong>not<\/strong>\u00a0engage in fraudulent behavior, including but not limited to:\u00a0\n<ul class=\"wp-block-list\">\n<li>Creating multiple accounts to\u00a0benefit\u00a0from promotional offers.\u00a0<\/li>\n\n\n\n<li>Misusing\u00a0Flexible\u00a0Benefits in any unauthorized manner.\u00a0<\/li>\n\n\n\n<li>Providing false information to obtain access to\u00a0Discounts.\u00a0<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Unauthorized Commercial Use:<\/strong>\u00a0<br>The Platform is intended for personal use only. Users may\u00a0<strong>not<\/strong>\u00a0purchase\u00a0Discounts\u00a0with the intent to resell, distribute, or use them for business or commercial purposes.\u00a0<\/li>\n\n\n\n<li><strong>Abuse of Refund or Cancellation Policies:<\/strong>\u00a0<br>Any attempt to\u00a0<strong>misuse refund or cancellation policies<\/strong>\u00a0to obtain undue financial advantages is\u00a0strictly forbidden.\u00a0<\/li>\n\n\n\n<li><strong>Interfering with Platform Operations:<\/strong>\u00a0<br>Users may\u00a0<strong>not<\/strong>\u00a0attempt\u00a0to reverse-engineer,\u00a0modify, hack, or disrupt the normal operation of the Platform in any way.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong>Swibeco reserves the right to suspend or&nbsp;terminate&nbsp;access in case of violations. If a violation results in financial or reputational harm, Swibeco may seek compensation for damages.<\/strong>&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-6c6be197 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-c4d8c309 gb-accordion__toggle\" id=\"gb-accordion-toggle-c4d8c309\"><span class=\"gb-button-text\">11. Privacy<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-1c18afe5\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-1c18afe5\">\n\n<p><strong>Commitment to Data Protection Standards<\/strong>&nbsp;<\/p>\n\n\n\n<p>Swibeco is committed to the highest standards of data protection and security. We are&nbsp;<strong>ISO 27001 certified<\/strong>, ensuring compliance with strict international privacy and security requirements. Our systems and processes are designed to protect your personal data and prevent unauthorized access.&nbsp;<\/p>\n\n\n\n<p>Your privacy is important to us. Swibeco processes personal data&nbsp;in accordance with&nbsp;<strong>applicable data protection laws<\/strong>&nbsp;and the&nbsp;<a href=\"https:\/\/swibe.co\/privacy-en\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Swibeco Privacy Policy<\/strong><\/a>, which applies in full.&nbsp;<\/p>\n\n\n\n<p>This section provides an overview of service-specific privacy considerations relevant to the Swibeco Perks &amp;&nbsp;Discounts&nbsp;Platform. For a comprehensive explanation of how we process your data, including your rights and our obligations, please refer to our Privacy Policy.&nbsp;<\/p>\n\n\n\n<p><strong>What Data is Processed?<\/strong>&nbsp;<\/p>\n\n\n\n<p>To provide you with access to the Platform and its&nbsp;Discounts, Swibeco processes the following data:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>User Identification &amp; Access Data:<\/strong>\u00a0Provided by your employer to create and manage your access.\u00a0<\/li>\n\n\n\n<li><strong>Contact data (email address):<\/strong>\u00a0To contact you\u00a0to perform our contractual obligations towards you. For example,\u00a0you may receive communications from us related to your Account,\u00a0Offers, or updates of these\u00a0Terms.\u00a0\u00a0<\/li>\n\n\n\n<li><strong>Transaction Data:<\/strong>\u00a0Details of\u00a0Discounts\u00a0purchased\u00a0or redeemed, including payment method (if applicable).\u00a0<\/li>\n\n\n\n<li><strong>Usage Data:<\/strong>\u00a0Information related to your interactions with the Platform, such as browsing behavior and preferences.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong>Who Has Access to Your Data?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Swibeco&nbsp;<strong>only shares your data with third parties when necessary<\/strong>&nbsp;to provide the Services. These third parties include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Merchants\/Partners<\/strong>\u00a0\u2013 If required to fulfill your order (e.g., for Swibeco\u00a0Discounts\u00a0and Voucher\u00a0Discounts).\u00a0<\/li>\n\n\n\n<li><strong>Logistics Companies<\/strong>\u00a0\u2013 To ensure the correct and\u00a0timely\u00a0delivery of physical goods (where applicable).\u00a0<\/li>\n\n\n\n<li><strong>Payment Processors<\/strong>\u00a0\u2013 To\u00a0facilitate\u00a0transactions, process payments, and manage refunds.\u00a0<\/li>\n\n\n\n<li><strong>Your employer<\/strong>\u00a0can verify your eligibility for the Platform and manage\u00a0Flexible\u00a0Benefits but cannot see details of your purchases\u00a0or\u00a0usage history.\u00a0<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-04cfcc55 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-47ec96d1 gb-accordion__toggle\" id=\"gb-accordion-toggle-47ec96d1\"><span class=\"gb-button-text\">12. Governing\u00a0Law\u00a0and\u00a0Jurisdiction<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-a10e8f94\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-a10e8f94\">\n\n<h4 class=\"gb-headline gb-headline-9eb5882e gb-headline-text h4-accordeon\">12.1. <strong>Governing\u00a0Law<\/strong><\/h4>\n\n\n\n<p>These Terms and our\u00a0<strong>Contract<\/strong>\u00a0with you are governed by and construed\u00a0in accordance with\u00a0<strong>Swiss law<\/strong>, without regard to conflict of law principles.\u00a0<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-206eaa44 gb-headline-text h4-accordeon\">12.2. Jurisdiction<\/h4>\n\n\n\n<p>Any dispute arising out of or in connection with this\u00a0<strong>Contract<\/strong>\u00a0shall be subject to the\u00a0<strong>exclusive\u00a0jurisdiction\u00a0of the courts of Lausanne, Switzerland<\/strong>.\u00a0<\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"gb-headline gb-headline-00e76138 gb-headline-text\">Swibeco\u00a0Card\u00a0Terms\u00a0&amp;\u00a0Conditions\u00a0for\u00a0Users<\/h2>\n\n\n\n<p><em>01.01.2026<\/em><\/p>\n\n\n<div class=\"gb-container gb-container-b8271e41 gb-accordion\" data-accordion-multiple-open>\n<div class=\"gb-container gb-container-7bbb69b0 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-f8c7fc4c gb-accordion__toggle\" id=\"gb-accordion-toggle-f8c7fc4c\"><span class=\"gb-button-text\">1. Welcome&nbsp;to&nbsp;Swibeco&nbsp;Card!<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-9db00c21\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-9db00c21\">\n\n<p>Your organization\u00a0(which we also call the Client)\u00a0has subscribed to\u00a0Swibeco Card\u00a0services for you (the\u00a0<strong>Service<\/strong>).\u00a0Swibeco Card\u00a0allows you to make payments using\u00a0Flexible\u00a0Benefits\u00a0(credits\u00a0purchased\u00a0by the Client for you) at\u00a0designated acceptance points, which correspond to specific themes or categories. We call these themes\u00a0<strong>Benefit Categories<\/strong>, which include the following:\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Benefit&nbsp;Category<\/th><th class=\"has-text-align-left\" data-align=\"left\">Definition<\/th><th class=\"has-text-align-left\" data-align=\"left\">Usable&nbsp;through<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Lunch<\/td><td class=\"has-text-align-left\" data-align=\"left\">Meals\u00a0and\u00a0food-related purchases,\u00a0such\u00a0as restaurants<\/td><td class=\"has-text-align-left\" data-align=\"left\">Swibeco&nbsp;Card<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">E-mobility<\/td><td class=\"has-text-align-left\" data-align=\"left\">Sustainable\u00a0and\u00a0environmentally\u00a0friendly transport,\u00a0such\u00a0as\u00a0public transport<\/td><td class=\"has-text-align-left\" data-align=\"left\">Swibeco&nbsp;Card<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Mobility<\/td><td class=\"has-text-align-left\" data-align=\"left\">All mobility related\u00a0points\u00a0of sales<\/td><td class=\"has-text-align-left\" data-align=\"left\">Swibeco&nbsp;Card<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Health&nbsp;&amp;&nbsp;Wellbeing<\/td><td class=\"has-text-align-left\" data-align=\"left\">well-being&nbsp;of&nbsp;body&nbsp;and&nbsp;mind,&nbsp;encompassing&nbsp;physical&nbsp;&amp;mental&nbsp;health<\/td><td class=\"has-text-align-left\" data-align=\"left\">Swibeco&nbsp;Card<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Leisure<\/td><td class=\"has-text-align-left\" data-align=\"left\">Activities\u00a0related\u00a0to\u00a0recreation and\u00a0entertainment<\/td><td class=\"has-text-align-left\" data-align=\"left\">Swibeco&nbsp;Card<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>If you are unsure which Benefit Categories are available to you or where you can use&nbsp;Swibeco&nbsp;Card, we encourage you to consult with the designated contact person in your organization or&nbsp;consult&nbsp;the&nbsp;Swibeco&nbsp;app, which provides up-to-date information.&nbsp;<\/p>\n\n\n\n<p>This document explains how&nbsp;the&nbsp;Swibeco&nbsp;Card&nbsp;works and outlines the terms and conditions that apply to the Service. These&nbsp;Swibeco&nbsp;Card Terms &amp; Conditions for Users (<strong>Swibeco&nbsp;Card&nbsp;Terms<\/strong>)&nbsp;and the&nbsp;<a href=\"https:\/\/swibe.co\/privacy-en\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Swibeco&nbsp;Privacy Policy<\/strong><\/a>&nbsp;form a binding contract (the&nbsp;<strong>Contract<\/strong>) between you and&nbsp;Swibeco.&nbsp;When the Client subscribes to the Service, they accept these&nbsp;Swibeco&nbsp;Card&nbsp;Terms on your behalf. By using or receiving the Service, you confirm your continued agreement&nbsp;to&nbsp;these&nbsp;Swibeco&nbsp;Card&nbsp;Terms.&nbsp;<\/p>\n\n\n\n<p>In the event of&nbsp;a contradiction between these&nbsp;<strong>Terms&nbsp;<\/strong>and any other contractual document&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>These\u00a0<strong>Terms\u00a0<\/strong>shall prevail for all matters concerning the\u00a0<strong>Service<\/strong>.\u00a0\u00a0<\/li>\n\n\n\n<li>With regard to\u00a0data protection,\u00a0<a href=\"https:\/\/swibe.co\/privacy-en\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Swibeco&#8217;s\u00a0privacy policy<\/strong><\/a>\u00a0shall prevail.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>We recommend you consult all documents that form the Contract to understand your rights and obligations fully.&nbsp;<\/p>\n\n\n\n<p>Capitalized terms used in these\u00a0Swibeco\u00a0Card\u00a0Terms have consistent meanings throughout this document.\u00a0While we have aimed to make these Terms as clear and readable as possible, some \u201clegalese\u201d\u00a0has been included\u00a0for compliance.\u00a0\u00a0<\/p>\n\n\n\n<p>To ensure&nbsp;Swibeco&nbsp;Card&nbsp;continues to meet our users&#8217; needs, we may amend these&nbsp;Swibeco&nbsp;Card&nbsp;Terms from time to time to reflect updates to our services, legal requirements, or business practices. All changes will be published on our website and will take effect upon publication. For material updates that significantly affect the Service, we will make reasonable efforts to&nbsp;notify you&nbsp;via email&nbsp;and\/or in-app notifications.&nbsp;<\/p>\n\n\n\n<p>We encourage you to review these&nbsp;Swibeco&nbsp;Card&nbsp;Terms regularly. Continued use of&nbsp;Swibeco&nbsp;Card&nbsp;after updated Terms have been published means you accept the revised terms.&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-f2c191f7 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-b213fce0 gb-accordion__toggle\" id=\"gb-accordion-toggle-b213fce0\"><span class=\"gb-button-text\">2. How&nbsp;to&nbsp;access&nbsp;the&nbsp;Service<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-39a72476\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-39a72476\">\n\n<p><strong>Invitation and Information Submission:<\/strong>&nbsp;You will receive an invitation email from your organization (the Client) with instructions for accessing&nbsp;the Service.&nbsp;You must provide the requested information accurately.&nbsp;<\/p>\n\n\n\n<p><strong>Activation:<\/strong>&nbsp;Once your information has been&nbsp;validated,&nbsp;your access to the&nbsp;Service will be activated. A prepaid account (the&nbsp;<strong>Card Account<\/strong>) will be associated with your&nbsp;Swibeco&nbsp;Card, where&nbsp;Flexible Benefits&nbsp;are&nbsp;allocated&nbsp;by your organization and from which payments are deducted when you use the&nbsp;Swibeco Card. You can start using the Service as soon as your Card Account has a positive balance.&nbsp;<\/p>\n\n\n\n<p><strong>Responsibility for Information:<\/strong>&nbsp;You&nbsp;are responsible for&nbsp;ensuring&nbsp;the information you provide is&nbsp;accurate&nbsp;and&nbsp;up to date. If your information changes, it is your responsibility to notify&nbsp;Swibeco&nbsp;and&nbsp;your organization promptly.&nbsp;Swibeco&nbsp;reserves the right to claim compensation for any damages, losses, costs, or expenses incurred, whether directly or indirectly,&nbsp;because of&nbsp;any provided information that is inaccurate, incomplete, or outdated, including&nbsp;in the event&nbsp;of&nbsp;a card&nbsp;returned&nbsp;due to an incorrect or outdated address.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Assistance:<\/strong>&nbsp;If you&nbsp;encounter&nbsp;issues during&nbsp;the registration&nbsp;process or do not receive an invitation, please contact your organization\u2019s representative or&nbsp;Swibeco&nbsp;at&nbsp;info@swibeco.ch.&nbsp;<\/p>\n\n\n\n<p><strong>Deactivation:&nbsp;<\/strong>If&nbsp;you no longer wish to use the&nbsp;<strong>Service<\/strong>, you must contact your organization to arrange for deactivation.&nbsp;We&nbsp;cannot process deactivation requests directly from users.&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-fb86946a gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-ec8695cf gb-accordion__toggle\" id=\"gb-accordion-toggle-ec8695cf\"><span class=\"gb-button-text\">3. Use&nbsp;of&nbsp;the&nbsp;Swibeco&nbsp;Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-71d9fb82\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-71d9fb82\">\n\n<p><strong>Ba<\/strong><strong>Balance&nbsp;Limits:<\/strong>&nbsp;For regulatory reasons, the&nbsp;maximum&nbsp;amount that can be available as a balance in your&nbsp;<strong>Card Account<\/strong>&nbsp;at any given time is CHF&nbsp;5\u2019000. Additionally, the total amount of&nbsp;Flexible&nbsp;Benefits that can be&nbsp;allocated&nbsp;to&nbsp;your&nbsp;<strong>Card Account<\/strong>&nbsp;is capped at CHF 5,000 per calendar month and CHF 25,000 per calendar year.&nbsp;<\/p>\n\n\n\n<p><strong>Verification Requirements:<\/strong>&nbsp;Swibeco&nbsp;may&nbsp;request&nbsp;from you&nbsp;any information&nbsp;required&nbsp;for due diligence&nbsp;and transaction&nbsp;purposes. You undertake to&nbsp;promptly and diligently&nbsp;comply with any information request&nbsp;from&nbsp;Swibeco&nbsp;by providing&nbsp;accurate, complete, and up-to-date information.&nbsp;If the information requested by&nbsp;Swibeco&nbsp;is not provided within 30 calendar days, the&nbsp;<strong>Service<\/strong>&nbsp;may be suspended or deactivated, and the&nbsp;<strong>Card Account<\/strong>&nbsp;closed.&nbsp;In such cases, any balance&nbsp;remaining&nbsp;in your&nbsp;<strong>Card Account<\/strong>&nbsp;will not be refunded.&nbsp;Swibeco&nbsp;is not responsible for any consequences to you in these circumstances.&nbsp;<\/p>\n\n\n\n<p><strong>Balance Management:<\/strong>&nbsp;Your organization manages and loads the&nbsp;Flexible&nbsp;Benefits in your&nbsp;<strong>Card Account<\/strong>. You cannot personally top up your&nbsp;Swibeco Card&nbsp;or request overdraft or credit facilities. After each transaction, the balance in your&nbsp;<strong>Card Account<\/strong>&nbsp;is reduced by the corresponding amount. You can check your balance and transaction history at any time using the Swibeco app.&nbsp;<\/p>\n\n\n\n<p><strong>Transaction Review:<\/strong>&nbsp;If you&nbsp;identify&nbsp;an error or issue in your transaction history, you must report it within four weeks. After this period, all transactions are considered final and accepted.&nbsp;<\/p>\n\n\n\n<p><strong>Validity of Benefits:<\/strong>&nbsp;Flexible&nbsp;Benefits&nbsp;remain&nbsp;valid as long as:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Client has an active subscription to the\u00a0<strong>Service<\/strong>, and\u00a0<\/li>\n\n\n\n<li>Your\u00a0<strong>Service<\/strong>\u00a0is activated.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>If there has been no activity on your&nbsp;Swibeco&nbsp;Card&nbsp;for an extended period,&nbsp;Swibeco&nbsp;may contact you to confirm continued use.&nbsp;<\/p>\n\n\n\n<p><strong>Acceptance Points and Benefit Categories:<\/strong>&nbsp;Swibeco&nbsp;Card&nbsp;is accepted at a wide range of designated&nbsp;<strong>acceptance points<\/strong>, allowing you to enjoy the benefits provided by your organization. You can use&nbsp;Swibeco&nbsp;Card&nbsp;for purchases within the&nbsp;<strong>Benefit Categories<\/strong>&nbsp;specified by the Client.&nbsp;<\/p>\n\n\n\n<p>If the balance in your&nbsp;<strong>Card Account<\/strong>&nbsp;is insufficient or if you&nbsp;attempt&nbsp;to make a purchase outside the specified&nbsp;<strong>Benefit Categories<\/strong>, the transaction will be declined.&nbsp;<\/p>\n\n\n\n<p>Transactions may occasionally be declined at certain acceptance points or for certain Benefit Categories due to errors in categorization by the payment network. The issuer accepts no responsibility for any inconvenience or loss resulting from such declines.&nbsp;<\/p>\n\n\n\n<p><strong>No Cash Withdrawals:<\/strong>&nbsp;For regulatory reasons, the&nbsp;Swibeco&nbsp;Card&nbsp;cannot be used to withdraw cash.&nbsp;<\/p>\n\n\n\n<p><strong>Personal Use Only:<\/strong>&nbsp;Swibeco&nbsp;Card&nbsp;is issued for your personal use and is registered exclusively to you as the designated user. The&nbsp;<strong>Service<\/strong>&nbsp;is non-transferable and may not be shared or used by anyone else.&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-1bfc6de2 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-71490210 gb-accordion__toggle\" id=\"gb-accordion-toggle-71490210\"><span class=\"gb-button-text\">4. Your&nbsp;Swibeco&nbsp;Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-a08dbbf1\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-a08dbbf1\">\n\n<p>The&nbsp;Swibeco&nbsp;Card&nbsp;is provided as a personalized card&nbsp;issued by our partner&nbsp;Yapeal. The&nbsp;Swibeco&nbsp;Card&nbsp;can be used digitally with payment platforms such as Apple Pay, Google Pay, and Samsung Pay. A physical version of the&nbsp;Swibeco&nbsp;Card&nbsp;is also available, either provided by your organization, or to be&nbsp;purchased&nbsp;directly on the&nbsp;Swibeco&nbsp;app.&nbsp;<\/p>\n\n\n\n<p>When using your&nbsp;Swibeco&nbsp;Card, you agree to the following duty of care provisions&nbsp;and confirm that you&nbsp;comply with&nbsp;these provisions:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>The\u00a0Swibeco\u00a0Card\u00a0and notes on associated security-relevant data (e.g., PIN) must be kept separately from each other and protected from unauthorized access.\u00a0<\/li>\n\n\n\n<li>When ordering the\u00a0Swibeco\u00a0Card, a PIN must be defined for the card, which is known only to\u00a0you as User. This PIN should not have any\u00a0reference\u00a0to\u00a0you\u00a0(e.g., telephone numbers, date of birth).\u00a0<\/li>\n\n\n\n<li>You\u00a0must keep the PIN secret.\u00a0You\u00a0must not\u00a0disclose\u00a0the PIN\u00a0to any other person or make it accessible to others in any form. The PIN must always be entered in a concealed manner.\u00a0<\/li>\n\n\n\n<li>Likewise,\u00a0you\u00a0may not\u00a0disclose\u00a0the\u00a0Swibeco\u00a0Card or individual data relating to card, in particular the card number and\u00a0card\u00a0validation\u00a0code, to other persons.\u00a0<\/li>\n\n\n\n<li>For certain\u00a0internet transactions, merchants require two-stage authentication. In this case, the transactions must be confirmed during the payment process\u00a0by means of\u00a0an SMS code (one-time password).\u00a0You are\u00a0obliged to check the transactions to be confirmed for correctness. Unknown or incorrect transactions must not be\u00a0confirmed\u00a0and SMS codes for two-step authentication must not be passed on to third parties.\u00a0<\/li>\n\n\n\n<li>Activation of a debit card for mobile payment may also require two-step authentication via SMS code (one-time password) or push provisioning.\u00a0You are\u00a0obliged to check the activation to be confirmed for correctness. Unknown activations or activations not made by\u00a0you\u00a0may not be\u00a0confirmed\u00a0and SMS codes for two-step authentication may not be passed on to third parties.\u00a0<\/li>\n\n\n\n<li>You\u00a0must act in good faith and take due care of the\u00a0Swibeco\u00a0Card\u00a0and devices activated for Mobile Payment. Under no circumstances may\u00a0you\u00a0allow another person to use them. This includes protecting the devices securely from access by third parties (device-dependent: e.g., secure PIN, biometric login).\u00a0<\/li>\n\n\n\n<li>If\u00a0you\u00a0notice or suspect that the terminal device or digital debit card or individual information has come into the control of an unauthorized person (in particular loss or theft) or that unauthorized transactions have been made via it,\u00a0you are\u00a0obligated to immediately change access features and methods and\/or have the mobile payment function blocked immediately and to inform\u00a0Swibeco\u00a0without delay.\u00a0\u00a0<\/li>\n<\/ol>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-b6c7e45d gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-1d9e8dd7 gb-accordion__toggle\" id=\"gb-accordion-toggle-1d9e8dd7\"><span class=\"gb-button-text\">5. Fees&nbsp;and&nbsp;Costs<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-893613a1\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-893613a1\">\n\n<p><strong>Responsibility for Fees and costs:<\/strong>&nbsp;The costs of the Service, including any applicable setup fee, monthly administrative fees, and any&nbsp;additional&nbsp;costs, are&nbsp;typically&nbsp;borne by the Client.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Default Guarantee Costs:<\/strong>&nbsp;To&nbsp;comply with&nbsp;regulatory requirements, prepaid balances exceeding CHF 3\u2019000&nbsp;and up to CHF 5\u2019000&nbsp;in your Card Account are protected by a default guarantee issued by a&nbsp;Swiss&nbsp;bank.&nbsp;Swibeco&nbsp;incurs costs for&nbsp;maintaining&nbsp;this guarantee and reserves the right to charge these costs to&nbsp;you and\/or&nbsp;the Client&nbsp;if balances exceed CHF 3\u2019000.&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-4103c9c8 gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-f2024dab gb-accordion__toggle\" id=\"gb-accordion-toggle-f2024dab\"><span class=\"gb-button-text\">6. Duration&nbsp;of&nbsp;the&nbsp;Service<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-b613e1f1\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-b613e1f1\">\n\n<h4 class=\"gb-headline gb-headline-75ee2432 gb-headline-text h4-accordeon\">6.1. Term&nbsp;of&nbsp;the&nbsp;Service<\/h4>\n\n\n\n<p>You can use the\u00a0<strong>Service<\/strong>\u00a0as long as\u00a0your organization\u00a0maintains\u00a0an active subscription for the\u00a0Swibeco\u00a0Card, and your\u00a0<strong>Card Account<\/strong>\u00a0has a positive balance.\u00a0We have described below the circumstances of\u00a0terminating\u00a0the Service and what happens after termination is\u00a0processed.\u00a0\u00a0<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-8ded97db gb-headline-text h4-accordeon\">6.2. Suspension\/Termination&nbsp;by&nbsp;Swibeco<\/h4>\n\n\n\n<p><strong>Suspension:<\/strong>&nbsp;Swibeco&nbsp;may temporarily suspend your access to the&nbsp;<strong>Service<\/strong>&nbsp;if:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There is a suspected violation of these\u00a0Swibeco\u00a0Card\u00a0Terms, the\u00a0<strong>Contract<\/strong>, or applicable laws.\u00a0<\/li>\n\n\n\n<li>Security concerns arise, such as unauthorized or fraudulent use of your\u00a0Swibeco\u00a0Card.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Suspension limits or blocks your ability to use your&nbsp;Swibeco&nbsp;Card&nbsp;until the issue is resolved (e.g., by&nbsp;proving no&nbsp;violation of the&nbsp;Swibeco&nbsp;Card&nbsp;Terms, etc.).&nbsp;<\/p>\n\n\n\n<p><strong>Termination:<\/strong>&nbsp;Swibeco&nbsp;may permanently&nbsp;terminate&nbsp;the&nbsp;<strong>Service<\/strong>&nbsp;and deactivate your&nbsp;Swibeco&nbsp;Card&nbsp;if:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your organization has failed to pay the required fees or costs, even after receiving a payment reminder from us.\u00a0\u00a0<\/li>\n\n\n\n<li>You violate these\u00a0Swibeco\u00a0Card\u00a0Terms or other provisions of the\u00a0<strong>Contract<\/strong>.\u00a0<\/li>\n\n\n\n<li>Termination is\u00a0required\u00a0for legal or regulatory\u00a0reason.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Termination&nbsp;of this Contract&nbsp;results in the closure of your&nbsp;<strong>Card Account<\/strong>&nbsp;and loss of access to any remaining balance.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Inactive Account:&nbsp;<\/strong>If no transactions are registered on your&nbsp;Swibeco&nbsp;Card&nbsp;for a period of&nbsp;10 years,&nbsp;Swibeco&nbsp;may take steps to deactivate the Card Account and&nbsp;terminate&nbsp;the Service.&nbsp;&nbsp;<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-c1b96eb9 gb-headline-text h4-accordeon\">6.3. Termination&nbsp;by&nbsp;the&nbsp;Client<\/h4>\n\n\n\n<p>The Client may&nbsp;terminate&nbsp;the&nbsp;<strong>Service<\/strong>&nbsp;for an individual user (e.g., when the user leaves the organization) or for all users by&nbsp;cancelling&nbsp;or not renewing their subscription. When termination is communicated to&nbsp;Swibeco, the affected&nbsp;<strong>Card Account(s)<\/strong>&nbsp;will automatically be updated:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No new\u00a0Flexible\u00a0Benefits will be added to the\u00a0<strong>Card Account(s)<\/strong>\u00a0after termination is processed.\u00a0<\/li>\n\n\n\n<li>You may continue to use any remaining balance in their\u00a0<strong>Card Account<\/strong>\u00a0for up to\u00a0<strong>10 years<\/strong>, subject to administrative fees of\u00a0<strong>CHF 5 per month<\/strong>, which will be deducted directly from your\u00a0<strong>Card Account<\/strong>.\u00a0<\/li>\n\n\n\n<li>The\u00a0<strong>Service<\/strong>\u00a0will\u00a0terminate\u00a0automatically when the\u00a0balance of your\u00a0<strong>Card Account<\/strong>\u00a0is\u00a0no longer sufficient to cover the monthly fee,\u00a0reaches a zero balance,\u00a0or after\u00a010 years\u00a0from your organization\u00a0communicating the end of\u00a0your\u00a0subscription, whichever occurs earlier.\u00a0<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-b1755fc7 gb-headline-text h4-accordeon\">6.4. No&nbsp;Refunds<\/h4>\n\n\n\n<p>For\u00a0regulartory\u00a0reasons, any remaining balance in the\u00a0<strong>Card Account<\/strong>\u00a0after the\u00a0<strong>Service<\/strong>\u00a0is\u00a0terminated\u00a0will not be refunded.\u00a0<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-2800123e gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-d1217596 gb-accordion__toggle\" id=\"gb-accordion-toggle-d1217596\"><span class=\"gb-button-text\">7. Use of Third Parties<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-5d380132\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-5d380132\">\n\n<p>To provide the&nbsp;<strong>Service<\/strong>,&nbsp;Swibeco&nbsp;collaborates with carefully selected third parties. These include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Payment network:<\/strong>\u00a0Visa enables\u00a0secure and widely accepted payments\u00a0with the\u00a0Swibeco\u00a0Card.\u00a0<\/li>\n\n\n\n<li><strong>Card Issuer:<\/strong>\u00a0Swibeco\u00a0works with\u00a0Yapeal\u00a0AG\u00a0(<strong>Yapeal<\/strong>), which manages the technical infrastructure for your\u00a0<strong>Card Account<\/strong>\u00a0and ensures smooth payment processing.\u00a0<\/li>\n\n\n\n<li><strong>Bank Guarantee:<\/strong><s>\u00a0<\/s>UBS Switzerland AG (<strong>UBS\u00a0<\/strong>or the<strong>\u00a0Bank<\/strong>)\u00a0has issued a default guarantee for any amount exceeding CHF 3\u2019000 and up to CHF 5\u2019000 in the Card Accounts to\u00a0comply with\u00a0regulatory requirements.\u00a0\u00a0<\/li>\n\n\n\n<li><strong>Other Service Providers:<\/strong>\u00a0Swibeco\u00a0may engage\u00a0additional\u00a0third-party providers to deliver specific features of the\u00a0<strong>Service<\/strong>, such as transaction processing or regulatory compliance services.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Swibeco&nbsp;shares your data with these third parties only as necessary to ensure the proper functioning of the&nbsp;<strong>Service<\/strong>&nbsp;and to&nbsp;comply with&nbsp;applicable regulations. All third parties are bound by confidentiality obligations and data protection laws.&nbsp;Moreover,&nbsp;Swibeco&nbsp;is ISO 27001 certified, ensuring the highest standards in terms of data privacy and security.&nbsp;&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-58a6fa58 gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-e9e835ba gb-accordion__toggle\" id=\"gb-accordion-toggle-e9e835ba\"><span class=\"gb-button-text\">8. Information<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-785f501c\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-785f501c\">\n\n<p><strong>Accuracy and Updates:<\/strong>&nbsp;You&nbsp;are responsible for&nbsp;providing&nbsp;accurate&nbsp;and up-to-date personal information when activating the Service. If your information changes, you must&nbsp;notify your organization&nbsp;and&nbsp;Swibeco&nbsp;promptly to ensure uninterrupted access to the Service.&nbsp;<\/p>\n\n\n\n<p><strong>Data Processing:<\/strong>&nbsp;Swibeco&nbsp;and its partners process your information strictly to deliver the Service. This includes managing your Card Account, processing transactions, and ensuring compliance with legal and regulatory requirements.&nbsp;In addition,&nbsp;Swibeco&nbsp;is entitled&nbsp;to share your data with the&nbsp;Bank providing the default guarantee referred to in Section 5. This sharing is&nbsp;strictly limited&nbsp;to the data necessary for&nbsp;the Bank&nbsp;to fulfill their regulatory obligations,&nbsp;maintain&nbsp;the&nbsp;guarantee&nbsp;or&nbsp;in order for&nbsp;you to&nbsp;benefit&nbsp;from the guarantee if applicable.&nbsp;The data concerned typically includes first name, last name, email, address, nationality, and card account balance.&nbsp;<\/p>\n\n\n\n<p><strong>Sanction Screening<\/strong>:&nbsp;Yapeal&nbsp;will perform sanction screenings prior to issuing the&nbsp;Swibeco&nbsp;Card in the name of the User. They might also do so from time to time for due diligence purposes. Should one or more Users be flagged by the sanction screening process,&nbsp;Yapeal&nbsp;will not be entitled to issue the&nbsp;Swibeco&nbsp;Card.&nbsp;Swibeco&nbsp;has no responsibility in this process and cannot be held liable for any related inconvenience or loss.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Confidentiality:<\/strong>&nbsp;Swibeco&nbsp;treats your personal information with the utmost confidentiality. Your information will not be shared with third parties except as necessary to&nbsp;deliver&nbsp;the Service or as required by law.&nbsp;<\/p>\n\n\n\n<p><strong>Privacy Policy:<\/strong>&nbsp;For detailed information on how your information is collected, used, and protected, please refer to&nbsp;<a href=\"https:\/\/swibe.co\/privacy-en\" target=\"_blank\" rel=\"noreferrer noopener\">Swibeco&nbsp;Privacy Policy<\/a>, which forms part of these&nbsp;Swibeco&nbsp;Card&nbsp;Terms.&nbsp;The&nbsp;Swibeco&nbsp;Privacy Policy governs all matters related to data collection, use, and sharing that are not explicitly addressed in these&nbsp;Swibeco&nbsp;Card&nbsp;Terms.&nbsp;&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-f332de72 gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-4e4d4825 gb-accordion__toggle\" id=\"gb-accordion-toggle-4e4d4825\"><span class=\"gb-button-text\">9. Protecting your Swibeco Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-be7dae37\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-be7dae37\">\n\n<p><strong>Personal Responsibility:<\/strong>&nbsp;Your&nbsp;Swibeco&nbsp;Card&nbsp;is equivalent to cash and must be handled with care. You&nbsp;are responsible for&nbsp;safeguarding your&nbsp;Swibeco&nbsp;Card&nbsp;and ensuring that it is not lost, stolen, or misused.&nbsp;In addition, you must&nbsp;maintain&nbsp;the security of any devices (e.g., smartphones or tablets) used to manage your&nbsp;Swibeco&nbsp;Card, including keeping apps updated and using secure passwords.&nbsp;<\/p>\n\n\n\n<p><strong>PIN and Access Codes:<\/strong>&nbsp;Keep your PIN and any access codes confidential at all times. Do not share them with others or store them in a way that could compromise their security. If unauthorized access occurs due to negligence in protecting your&nbsp;Swibeco&nbsp;Card, you will bear the consequences.&nbsp;You can change your PIN code at any time on the&nbsp;Swibeco&nbsp;app.&nbsp;<\/p>\n\n\n\n<p><strong>Reporting Loss or Theft:<\/strong>&nbsp;If your&nbsp;Swibeco&nbsp;Card&nbsp;is lost or stolen, you&nbsp;can&nbsp;block it directly in the&nbsp;Swibeco&nbsp;app. Alternatively, you&nbsp;must report it&nbsp;immediately&nbsp;to your organization (the Client)&nbsp;who will be able to block it. Prompt reporting ensures that&nbsp;Swibeco&nbsp;can&nbsp;take action to prevent&nbsp;unauthorized transactions.&nbsp;<\/p>\n\n\n\n<p><strong>Liability for Unauthorized Use:<\/strong>&nbsp;Swibeco&nbsp;cannot be held responsible for unauthorized transactions if you&nbsp;fail to&nbsp;take reasonable measures to protect your&nbsp;Swibeco&nbsp;Card, PIN, or access codes. Note that individuals living in the same household as you are not considered third parties for the purposes of unauthorized use.&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-34ec9847 gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-d7df2f92 gb-accordion__toggle\" id=\"gb-accordion-toggle-d7df2f92\"><span class=\"gb-button-text\">10. Liability<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-3734f55f\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-3734f55f\">\n\n<p><strong>Responsibility for Accurate Information:<\/strong>&nbsp;You&nbsp;are responsible for&nbsp;providing&nbsp;accurate&nbsp;and up-to-date information when activating the&nbsp;<strong>Service<\/strong>&nbsp;and throughout its use. This responsibility is important not only to ensure uninterrupted access but also to&nbsp;comply with&nbsp;regulatory requirements. If inaccurate or incomplete information is provided, the&nbsp;<strong>Service<\/strong>&nbsp;may be suspended or&nbsp;terminated&nbsp;without notice, and you may bear any associated costs.&nbsp;<\/p>\n\n\n\n<p><strong>Compliance with Regulations:<\/strong>&nbsp;Swibeco&nbsp;Card&nbsp;operates within a regulated framework to ensure security and compliance. As part of this, certain information you provide may be verified to meet legal and regulatory standards. If verification requirements are not met, your&nbsp;<strong>Card Account<\/strong>&nbsp;may be subject to restrictions or closure. We decline all responsibility in this case.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Authorized Transactions:<\/strong>&nbsp;All transactions made using your&nbsp;Swibeco&nbsp;Card&nbsp;with the correct PIN or credentials are considered authorized by you and are final. If you believe there is an error or issue with a transaction, you must report it within four weeks; otherwise, it will be&nbsp;deemed&nbsp;accepted.&nbsp;<\/p>\n\n\n\n<p><strong>Disputes with Acceptance Points:<\/strong>&nbsp;Swibeco&nbsp;is not liable for any disputes arising from transactions at&nbsp;<strong>acceptance points<\/strong>. You must resolve such disputes directly with the merchant.&nbsp;<\/p>\n\n\n\n<p><strong>Indemnification:<\/strong>&nbsp;You agree to indemnify&nbsp;Swibeco&nbsp;for any costs, losses, or claims resulting from:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The provision of inaccurate or incomplete information, including for regulatory or compliance purposes; and\u00a0<\/li>\n\n\n\n<li>Misuse of the\u00a0<strong>Service<\/strong>\u00a0or violations of these Terms.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong>Exclusions of Liability:<\/strong>&nbsp;Swibeco&nbsp;is not responsible for:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Any remaining balance in your\u00a0<strong>Card Account<\/strong>\u00a0after the\u00a0<strong>Service<\/strong>\u00a0is\u00a0terminated.\u00a0Note that you still have the right to use the remaining balance\u00a0in accordance with\u00a0Section\u00a06.3.\u00a0\u00a0<\/li>\n\n\n\n<li>Unauthorized use of your\u00a0Swibeco\u00a0Card\u00a0if you\u00a0fail to\u00a0protect it.\u00a0<\/li>\n\n\n\n<li>Issues with acceptance points refusing or\u00a0failing to process\u00a0transactions.\u00a0<\/li>\n\n\n\n<li>Delays, interruptions, or unavailability of the Service caused by events beyond its control, such as natural disasters, government actions, technical problems, or cyberattacks. Of course, we will do our best\u00a0to resume the Service as soon as possible.\u00a0<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-c20daece gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-aaab2a4f gb-accordion__toggle\" id=\"gb-accordion-toggle-aaab2a4f\"><span class=\"gb-button-text\">11. Communications<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-be175c70\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-be175c70\">\n\n<p><strong>Notifications from Swibeco: <\/strong>Swibeco may communicate important updates regarding the <strong>Service <\/strong>through:<strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Email,\u00a0<\/li>\n\n\n\n<li>The\u00a0Swibeco\u00a0app, or\u00a0<\/li>\n\n\n\n<li>Other electronic means.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Some communications or notifications may be provided exclusively through the&nbsp;Swibeco&nbsp;app. Please ensure you have access to the app and enable notifications.&nbsp;It is your responsibility to regularly check for such communications and ensure that emails or notifications from&nbsp;Swibeco&nbsp;are not blocked or sent to spam folders.&nbsp;<\/p>\n\n\n\n<p><strong>Questions or Support:<\/strong>&nbsp;If you have any questions about the&nbsp;<strong>Service<\/strong>&nbsp;or require&nbsp;assistance, contact your organization\u2019s representative or&nbsp;Swibeco\u2019s&nbsp;customer support team&nbsp;via email&nbsp;info@swibeco.ch, live chat or phone&nbsp;+4141 360 43 43.&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-dae03253 gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-ee1dc250 gb-accordion__toggle\" id=\"gb-accordion-toggle-ee1dc250\"><span class=\"gb-button-text\">12. Applicable law and place of jurisdiction<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-441aea63\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-441aea63\">\n\n<p>These Terms&nbsp;shall be governed,&nbsp;interpreted&nbsp;and construed by, under and&nbsp;pursuant to&nbsp;the substantive laws of Switzerland (excluding its conflict of&nbsp;laws&nbsp;provisions).&nbsp;<\/p>\n\n\n\n<p>All disputes arising out of or in connection with these Terms, including disputes&nbsp;regarding&nbsp;their conclusion, validity, binding effect, amendment, breach, termination or rescission, shall be subject to the exclusive&nbsp;jurisdiction&nbsp;of the ordinary courts of Lausanne, Switzerland.&nbsp;<\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"gb-container gb-container-9a05c6c4\">\n\n<h2 class=\"gb-headline gb-headline-4dd004a1 gb-headline-text\"><em>Swibeco Perks &amp; Discounts Platform User Terms (old version)<\/em><\/h2>\n\n\n<div class=\"gb-container gb-container-eeaa453c gb-accordion\" data-accordion-multiple-open>\n<div class=\"gb-container gb-container-960a7d97 gb-accordion__item\" id=\"gb-accordion-content-1c18afe5\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-e0d9f684 gb-accordion__toggle\" id=\"gb-accordion-toggle-e0d9f684\"><span class=\"gb-button-text\">1. Welcome to the Swibeco Perks &amp; Discounts Platform!<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-3f3caace\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-3f3caace\">\n\n<p>Your organization (the <strong>Client<\/strong>) has subscribed to the <strong>Swibeco Perks &amp; Discounts Platform <\/strong>(the <strong>Service<\/strong><\/p>\n\n\n\n<p>or <strong>Platform<\/strong>).<\/p>\n\n\n\n<p>The <strong>Perks &amp; Discounts Platform <\/strong>enables you (<strong>User<\/strong>) to access and redeem exclusive Discounts, offers, and <strong>Prepaid Benefits <\/strong>for a selection of goods and services within designated <strong>Benefit Categories.<\/strong><strong><\/strong><\/p>\n\n\n\n<p>These Prepaid Benefits are offered to you by the Client and can be one or multiple of the following Benefit Categories:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Benefit Category<\/th><th class=\"has-text-align-left\" data-align=\"left\">Definition<\/th><th class=\"has-text-align-left\" data-align=\"left\">Usable through<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Gifts (also known as Swipoints)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Gifts for personal or professional occasions<\/td><td class=\"has-text-align-left\" data-align=\"left\">Perks &amp; Discounts Platform<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Rewards (also known as Swipoints)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Incentives given in recognition of effort, achievement, or loyalty<\/td><td class=\"has-text-align-left\" data-align=\"left\">Perks &amp; Discounts Platform<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">SBB-CFF Half Fare<\/td><td class=\"has-text-align-left\" data-align=\"left\">(Swiss Half Fare Card) allows travelers to purchase tickets for trains, buses, and boats at half price in Switzerland<\/td><td class=\"has-text-align-left\" data-align=\"left\">Perks &amp; Discounts Platform<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>If you are unsure which <strong>Benefit Categories <\/strong>are available to you, we encourage you to consult with the designated contact person in your organization or consult the <strong>Swibeco app<\/strong>, which provides up- to-date information.<\/p>\n\n\n\n<p>This document (the <strong>Perks &amp; Discounts Platform User Terms <\/strong>or these <strong>Terms<\/strong>) explains how the <strong>Platform <\/strong>works and outlines the terms and conditions that apply to:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>the use of the <strong>Service<\/strong>; and<\/li>\n\n\n\n<li>the <strong>purchase, delivery and sale <\/strong>of Discounts on the Platform.<\/li>\n<\/ol>\n\n\n\n<p>Our <strong>Privacy Policy <\/strong>also applies. Together with these Terms and all referenced documents, they form the Contract between you and Swibeco for the Service.<\/p>\n\n\n\n<p>When the Client subscribes to the Service, they accept these Terms on your behalf. <strong>By using or receiving the Service, you confirm your continued agreement to these Terms.<\/strong><strong><\/strong><\/p>\n\n\n\n<p>If there is a conflict between these <strong>Terms <\/strong>and other contractual documents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>These <strong>Terms <\/strong>take precedence for matters specific to the <strong>Perks &amp; Discounts Platform<\/strong>.<\/li>\n\n\n\n<li>For data protection matters, the <a href=\"https:\/\/swibe.co\/privacy-en\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Swibeco Privacy Policy<\/strong><\/a><strong> <\/strong>takes precedence.<\/li>\n<\/ul>\n\n\n\n<p>Capitalized terms used in these Terms have consistent meanings throughout this document. While we have aimed to make these Terms as <strong>clear and user-friendly as possible<\/strong>, some \u201clegalese\u201d have been included for compliance.<\/p>\n\n\n\n<p>Please note that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Client <\/strong>refers to the organization that has subscribed to the Swibeco Perks &amp; Discounts Platform. This is typically your employer but may also include other eligible organizations managing benefits on behalf of the User.<\/li>\n\n\n\n<li><strong>Employer <\/strong>refers to the specific Client that provides you access to the Platform and may allocate Prepaid Benefits for your use.<\/li>\n\n\n\n<li>Unless otherwise specified, the terms &#8220;Client&#8221; and &#8220;Employer&#8221; may be used interchangeably in these Terms.<\/li>\n<\/ul>\n\n\n\n<p>To ensure the Platform continues to meet our users&#8217; needs, we may amend these Terms from time to time to reflect updates to our services, legal requirements, or business practices. All changes will be published on our website and will take effect upon publication. For material updates that significantly affect the Service, we will make reasonable efforts to notify you via email and\/or in-app notifications.<\/p>\n\n\n\n<p>We encourage you to review these Terms regularly. Continued use of the Service after updated Terms have been published means you accept the revised Terms.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-0f88d679 gb-accordion__item\" id=\"gb-accordion-content-1c18afe5\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-0891d37c gb-accordion__toggle\" id=\"gb-accordion-toggle-0891d37c\"><span class=\"gb-button-text\">2. How to Access the Perks &amp; Discounts Platform<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-d6ae56f9\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-d6ae56f9\">\n\n<h4 class=\"gb-headline gb-headline-f6dd8748 gb-headline-text h4-accordeon\">2.2. <strong>How Access is Granted<\/strong><\/h4>\n\n\n\n<p>Your access to the Platform is provided and managed by your Employer. The availability of certain features or benefits may depend on your Employer\u2019s subscription to Swibeco.<\/p>\n\n\n\n<p>You will receive an <strong>invitation <\/strong>from your employer to join the Platform. Once invited, you must <strong>create login credentials <\/strong>to securely access your account.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-ce86344c gb-headline-text h4-accordeon\">2.2. Maintaining Your Access<\/h4>\n\n\n\n<p>As long as your employer maintains your access, you may:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Browse and enjoy Discounts on the Platform,<\/li>\n\n\n\n<li>Redeem <strong>Prepaid Benefits<\/strong>, if provided by your employer.<\/li>\n<\/ul>\n\n\n\n<p>Your access is linked to your employment status or contractual relationship with the Client. If this relationship ends, your access may also be revoked. If the Client <strong>revokes or deactivates <\/strong>your access, your account will be deactivated, and you will <strong>no<\/strong><strong> longer be able to use the Platform<\/strong>.<\/p>\n\n\n\n<p>Swibeco <strong>does not control or decide <\/strong>access permissions\u2014this is entirely at the discretion of the Client.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-ed674266 gb-headline-text h4-accordeon\">2.3.&nbsp;Employer-Specific Access Limitations<\/h4>\n\n\n\n<p>Your employer determines the level of access and benefits available to you. If your employer has a <strong>special arrangement <\/strong>with Swibeco under which they pay <strong>no Licence Fees<\/strong>, you may have <strong>limited <\/strong><strong>access <\/strong>to certain offers, Discounts, or features.<\/p>\n\n\n\n<p>If you have any questions about your eligibility, access, or available benefits, please contact your employer directly.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-0c6c82e2 gb-accordion__item\" id=\"gb-accordion-content-1c18afe5\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-6266673a gb-accordion__toggle\" id=\"gb-accordion-toggle-6266673a\"><span class=\"gb-button-text\">3. What Can You Purchase on the Platform?<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-99cfb403\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-99cfb403\">\n\n<h4 class=\"gb-headline gb-headline-8ab15b2e gb-headline-text h4-accordeon\">3.1. <strong>Overview of Available Offers<\/strong><\/h4>\n\n\n\n<p>Swibeco provides you with access to <strong>attractive discounts, special<\/strong><strong> conditions, and prepaid spending opportunities <\/strong>through the Swibeco Perks &amp; Discounts Platform (Platform). The Platform features two types of offers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Swibeco Discounts <\/strong>are vouchers, products, goods, and services <strong>manufactured or distributed by Partners <\/strong>and offered on the Platform under special conditions. Swibeco acts as the contractual seller but does not manufacture, distribute, or provide the underlying product or service. The Partners remain responsible for their <strong>quality, performance, and availability<\/strong>. Any <strong>warranties, returns, or refund policies <\/strong>are governed by Swibeco\u2019s terms and conditions available on the platform for each specific deal.<\/li>\n\n\n\n<li><strong>Partner Discounts <\/strong>are products, goods, and services <strong>manufactured or distributed by Partners, which they offer directly to you <\/strong>at special conditions through the Platform. In these transactions, the Partner is the seller and is fully responsible for pricing, availability, warranties, order fulfillment, and customer service. Swibeco does not act as a contractual party or assume any liability for Partner Discounts.<\/li>\n<\/ul>\n\n\n\n<p><strong>Partners <\/strong>are third-party merchants, service providers, or distributors that collaborate with Swibeco to offer special conditions on the Platform.<\/p>\n\n\n\n<p>The <strong>products, services, or vouchers <\/strong>available on the Platform (<strong>collectively, &#8220;Discounts&#8221;<\/strong>) may vary depending on your employer\u2019s subscription and the <strong>Benefit Categories <\/strong>available to you.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-21f7fe0f gb-headline-text h4-accordeon\">3.3. Swibeco Discounts \u2013 Sold by Swibeco<\/h4>\n\n\n\n<p>Swibeco Discounts include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Products, services, or vouchers <\/strong>offered through Swibeco.<\/li>\n\n\n\n<li><strong>Voucher Discounts <\/strong>\u2013 prepaid vouchers that can only be redeemed with the issuing Partner.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-2729dcc1 gb-headline-text h4-accordeon\">3.3. Partner Discounts \u2013 Sold by the Partner Partner Discounts may:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offer <strong>discounted prices or special conditions <\/strong>for Swibeco Users.<\/li>\n\n\n\n<li><strong>Swibeco will redirect you to the Partner\u2019s website <\/strong>to complete your purchase under their terms.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-59452ebe gb-headline-text h4-accordeon\">3.4. Buying Discounts with Prepaid Benefits<\/h4>\n\n\n\n<p>Prepaid Benefits are <strong>credits provided by your employer <\/strong>that allow you to purchase <strong>Swibeco<\/strong> <strong>Discounts <\/strong>within the <strong>Benefit Categories defined by your employer<\/strong>. They offer a seamless way to enjoy exclusive offers and discounts on the Platform.<\/p>\n\n\n\n<p>For details on how to redeem them, please refer to the next section.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-7cf5366b gb-accordion__item\" id=\"gb-accordion-content-1c18afe5\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-b8116646 gb-accordion__toggle\" id=\"gb-accordion-toggle-b8116646\"><span class=\"gb-button-text\">4. Redeeming Prepaid Benefits<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-22866c90\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-22866c90\">\n\n<p>Prepaid Benefits allow you to purchase eligible <strong>Discounts <\/strong>within the Benefit Categories defined by your employer.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-f72630f6 gb-headline-text h4-accordeon\">How to Use Your Prepaid Benefits<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When checking out, you can <strong>select Prepaid Benefits as your payment method <\/strong>for eligible Discounts.<\/li>\n\n\n\n<li>Your available balance and applicable Benefit Categories are displayed in your account.<\/li>\n\n\n\n<li>If you have any questions about your allocation or spending limits, please contact your employer.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-383a6d74 gb-headline-text h4-accordeon\">Validity and Expiration<\/h4>\n\n\n\n<p>Prepaid Benefits remain available for use until they expire based on the following conditions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Standard Validity: <\/strong>Prepaid Benefits are valid for as long as your Employer maintains an active license for you.Clients under Special Arrangements: If your employer benefits from a special arrangement with Swibeco under which no License Fees (for example, in case of clients referred by a partner that has a special arrangement with us) are paid for your access, your Prepaid Benefits expire 24 months after allocation.<\/li>\n\n\n\n<li><strong>Promotional Offers: <\/strong>If Prepaid Benefits are offered by Swibeco for a promotional offer, their validity period is determined by the terms of that promotion.<\/li>\n\n\n\n<li><strong>After-Sales Service: <\/strong>If Swibeco credits you Prepaid Benefits as part of an after-sales service resolution, they are <strong>valid<\/strong><strong> for 30 days.<\/strong><\/li>\n\n\n\n<li><strong>Cashback and Partners: <\/strong>Prepaid Benefits offered to you through cashback or through Partners, they <strong>expire 24 months after allocation.<\/strong><\/li>\n<\/ul>\n\n\n\n<p>You can check the expiration date of your Prepaid Benefits in your account.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-ceba566d gb-headline-text h4-accordeon\">Conditions of Use<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prepaid Benefits <strong>can only be used to purchase eligible Discounts <\/strong>within the Benefit Categories assigned by your employer<\/li>\n\n\n\n<li>Prepaid Benefits cannot be exchanged for cash, transferred, or refunded.<\/li>\n\n\n\n<li><strong>Once expired or if your access to the Platform is deactivated, you can no longer use any remaining Prepaid Benefits.<\/strong><\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-6a4890c2 gb-accordion__item\" id=\"gb-accordion-content-1c18afe5\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-494181f1 gb-accordion__toggle\" id=\"gb-accordion-toggle-494181f1\"><span class=\"gb-button-text\">5. Discounts Availability<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-f0c6e2d9\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-f0c6e2d9\">\n\n<h4 class=\"gb-headline gb-headline-a05f0a74 gb-headline-text h4-accordeon\">5.1. <strong>Availability of Discounts<\/strong><\/h4>\n\n\n\n<p>Discounts are valid only while they are displayed and within the limits of available stock. Some Discounts may have limited quantities or specific eligibility conditions based on your employer\u2019s agreement with Swibeco.<\/p>\n\n\n\n<p>Swibeco cannot guarantee that Swibeco Discounts will always be available. For Partner Discounts, availability is governed by the Partner&#8217;s terms. <strong>Promotional offers <\/strong>may be time limited timewise or quantity-wise. If a promotional Deal is no longer available when you try to buy it, you won\u2019t be able to complete the purchase.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-c131058c gb-headline-text h4-accordeon\">5.2. Product Images and Descriptions<\/h4>\n\n\n\n<p>We do our best to provide accurate descriptions and images, but <strong>they\u2019re for illustration only<\/strong>. The<\/p>\n\n\n\n<p>actual product, service, or voucher may look a little different, and in case of differences, the real Deal takes priority.<\/p>\n\n\n\n<p>Swibeco isn\u2019t responsible for small errors, misprints, or pricing mistakes. Also, if you see something in a newsletter or an ad, remember that it\u2019s for <strong>information only<\/strong>\u2014it\u2019s not a guaranteed offer.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-bcf15e8a gb-headline-text h4-accordeon\">5.3. Changes and Removal of Discounts<\/h4>\n\n\n\n<p>Swibeco may <strong>update, change, or remove Discounts at any time <\/strong>without notice. This can happen if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A Partner stops offering a Deal,<\/li>\n\n\n\n<li>A product or service is no longer available,<\/li>\n\n\n\n<li>There was an error in the price or description, or<\/li>\n\n\n\n<li>A promotional Deal has expired.<\/li>\n<\/ul>\n\n\n\n<p>If a Deal is removed before you complete your purchase, we <strong>can\u2019t guarantee <\/strong>the same price or conditions later.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-8878724e gb-headline-text h4-accordeon\">5.4 What Happens if a Deal is Unavailable After Purchase?<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Swibeco Discounts: <\/strong>If you\u2019ve already bought a Swibeco Deal but it turns out to be unavailable before it\u2019s delivered or redeemed, we\u2019ll <strong>cancel your order and refund you <\/strong>within <strong>14 days<\/strong>. If you paid with Prepaid Benefits, we would refund you in Prepaid Benefit.<\/li>\n\n\n\n<li><strong>Partner Discounts: <\/strong>If a Partner removes a Deal after you have placed an order but before fulfillment, the Partner is responsible for issuing any necessary refunds or alternative solutions under their terms. Swibeco is not involved in these transactions.<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-05d6ab1c gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-35d362d4 gb-accordion__toggle\" id=\"gb-accordion-toggle-35d362d4\"><span class=\"gb-button-text\">6. Order and Purchase of Product<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-267d78d3\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-267d78d3\">\n\n<h4 class=\"gb-headline gb-headline-a1c7e9d8 gb-headline-text h4-accordeon\">6.1. <strong>General Conditions for Ordering Discounts<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can place an order for <strong>Swibeco Discounts <\/strong>and <strong>eligible Partner Discounts <\/strong>directly through the Platform.<\/li>\n\n\n\n<li>Your purchase becomes <strong>binding <\/strong>as soon as you confirm your order. You\u2019ll receive a confirmation email or an in-app notification once the order is final.<\/li>\n\n\n\n<li>Your order is <strong>validated <\/strong>only once we have received <strong>full payment <\/strong>of the purchase price and any applicable costs (e.g., delivery charges).<\/li>\n\n\n\n<li>Swibeco reserves the right to <strong>refuse or cancel orders <\/strong>if they appear unusual or fraudulent, such as large quantities of the same Deal being purchased without a clear reason.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-a303c754 gb-headline-text h4-accordeon\">6.2. Purchase Prices and Costs<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All prices are displayed in <strong>Swiss Francs (CHF) <\/strong>and <strong>include VAT <\/strong>where applicable.<\/li>\n\n\n\n<li>Additional costs, such as <strong>delivery fees, <\/strong>are specified in the deal.<\/li>\n\n\n\n<li>Some special orders may require <strong>specific shipping conditions<\/strong>, which could result in extra assembly or handling fees.<\/li>\n\n\n\n<li>If the total value of your shopping cart is <strong>less than CHF 50.00<\/strong>, an additional <strong>handling fee of <\/strong><strong>up to CHF 9.00 <\/strong>may apply.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"gb-headline gb-headline-c8f44de1 gb-headline-text\">Important Information Regarding Price Accuracy and Errors!<\/h5>\n\n\n\n<p>Swibeco strives to ensure all prices displayed on the Platform are accurate and continuously monitored. However, despite our best efforts, <strong>errors may occasionally occur <\/strong>due to factors beyond our control.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>For Swibeco Discounts<\/strong>, we take all reasonable steps to ensure pricing accuracy at the time of display.<\/li>\n\n\n\n<li><strong>For Partner Discounts<\/strong>, Swibeco <strong>does not control pricing <\/strong>and cannot guarantee that the price displayed on the Platform will always match the final price on the Partner\u2019s website. The Partner is solely responsible for the accuracy of their pricing.<\/li>\n<\/ul>\n\n\n\n<p>Price discrepancies may arise due to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Technical issues<\/strong>, such as software bugs, system malfunctions, or incorrect price feeds from suppliers.<\/li>\n\n\n\n<li><strong>Human errors<\/strong>, including incorrect manual data entry or outdated pricing information.<\/li>\n\n\n\n<li>Incorrect price feeds from Partners, where a Partner provides incorrect or incomplete pricing details.<\/li>\n\n\n\n<li><strong>Display errors<\/strong>, where promotional discounts are incorrectly applied or misrepresented.<\/li>\n<\/ul>\n\n\n\n<p>If a <strong>manifest pricing error <\/strong>occurs\u2014such as an <strong>excessively high rebate, incorrect discount, or pricing <\/strong><strong>mismatch<\/strong>\u2014Swibeco reserves the right to <strong>cancel the order<\/strong>. Any payment already made will be refunded. If a manifest pricing error is discovered after a Deal has been fulfilled, Swibeco may seek recovery of the incorrect discount amount in good faith, including through an adjusted invoice or offsetting future purchases.<\/p>\n\n\n\n<p>If you knowingly proceed with an order that contains a <strong>clear and obvious pricing error<\/strong>, we may consider the transaction <strong>invalid <\/strong>and recover any financial loss incurred, including by offsetting the refunded amount against future purchases.<\/p>\n\n\n\n<p>We remain <strong>committed to transparency and accuracy <\/strong>in pricing and will take all reasonable measures to correct any identified errors as quickly as possible<\/p>\n\n\n\n<h5 class=\"gb-headline gb-headline-5e423c5f gb-headline-text\">Price Changes<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Swibeco and Partners may adjust prices at <strong>any time<\/strong>.<\/li>\n\n\n\n<li>The <strong>only binding price <\/strong>for your purchase is the one confirmed in your <strong>final order <\/strong><strong>confirmation <\/strong>(unless there is a pricing error, see above).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-3775bd7c gb-headline-text h4-accordeon\">6.3. Voucher Discounts<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Voucher Discounts <\/strong>allow you to purchase prepaid vouchers that must be <strong>redeemed directly with the issuing Partner<\/strong>.<\/li>\n\n\n\n<li>Voucher Discounts may be subject to <strong>time limits or other restrictions<\/strong>. Always check the specific offer details.<\/li>\n\n\n\n<li><strong>Important: <\/strong>You <strong>cannot <\/strong>redeem a Voucher Deal with Swibeco, and <strong>no cash refunds <\/strong>or exchanges are possible.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-aab1d191 gb-headline-text h4-accordeon\">6.4. Payment Methods and Conditions<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payment can only be made using the <strong>methods specified <\/strong>at checkout. This includes payment via <strong>Prepaid Benefits <\/strong>(where applicable), credit card, or other payment providers as displayed at checkout.<\/li>\n\n\n\n<li>Swibeco <strong>retains ownership <\/strong>of Swibeco Discounts until full payment is received. We may <strong>suspend delivery or cancel the order <\/strong>if payment is not completed.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-62ec8571 gb-headline-text h4-accordeon\">6.5. Payment Conditions for Partner Discounts<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you purchase a <strong>Partner Deal<\/strong>, the <strong>Partner\u2019s payment terms <\/strong>apply.<\/li>\n\n\n\n<li>Payment, refunds, and any billing issues related to Partner Discounts should be handled directly with the Partner.<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-9a6e1575 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-0b3005a2 gb-accordion__toggle\" id=\"gb-accordion-toggle-0b3005a2\"><span class=\"gb-button-text\">7. Delivery of Products<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-87b5daa9\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-87b5daa9\">\n\n<h4 class=\"gb-headline gb-headline-46b132cf gb-headline-text h4-accordeon\"><strong>7.1. Delivery of Voucher Discounts<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Voucher Discounts are delivered <strong>digitally <\/strong>and sent to you electronically via the Swibeco Platform and app.<\/li>\n\n\n\n<li>Redemption and delivery of the underlying product or service are <strong>governed by the Partner\u2019s terms<\/strong>. Please check the relevant offer for applicable conditions, including expiration dates or any redemption restrictions.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-22fd2ad8 gb-headline-text h4-accordeon\">7.2. Delivery of Swibeco Discounts<\/h4>\n\n\n\n<p>For Swibeco Discounts (where Swibeco is the seller), physical products and goods are shipped <strong>to your domicile in Switzerland or Liechtenstein<\/strong>. Please consult the Swibeco Discount information for possible delivery restrictions in Liechtenstein. In any case, we cannot ship or arrange shipping outside of these two countries.<\/p>\n\n\n\n<h5 class=\"gb-headline gb-headline-49e0bce7 gb-headline-text\">Shipping &amp; Logistics:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Deliveries are <strong>handled by our manufacturers, distributors, or third-party shipping partners<\/strong>.<\/li>\n\n\n\n<li>Products are shipped to the <strong>delivery address provided at checkout<\/strong>. Please ensure that your details are correct, as Swibeco and its partners rely on this information to fulfill your order.<\/li>\n\n\n\n<li>Deliveries are made <strong>only to addresses that are easily accessible by lorry<\/strong>. If your address requires special delivery arrangements, any additional costs will be borne by you.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"gb-headline gb-headline-e28787bb gb-headline-text\">Failed Deliveries &amp; Additional Costs:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If a delivery attempt fails due to an incorrect address, absence of the recipient, or an inaccessible location, any extra costs for redelivery or return will be your responsibility.<\/li>\n\n\n\n<li>If the parcel is <strong>delivered to your building without requiring a signature <\/strong>and is lost or stolen, Swibeco and its shipping partners are <strong>not liable <\/strong>for the loss.<\/li>\n\n\n\n<li>If a product is returned due to unsuccessful delivery, Swibeco may charge additional handling fees for re-shipping.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"gb-headline gb-headline-2bd3d175 gb-headline-text\">Estimated Delivery Times:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The estimated delivery time provided at checkout or in the order confirmation is indicative only and not binding.<\/li>\n\n\n\n<li>Delays may occur due to <strong>logistical issues, supply chain disruptions, or other <\/strong><strong>unforeseen circumstances<\/strong>.<\/li>\n\n\n\n<li>Orders cannot be canceled due to delivery delays, unless explicitly permitted under the applicable terms.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-65bef9c9 gb-headline-text h4-accordeon\">7.3. Delivery of Partner Discounts<\/h4>\n\n\n\n<p>For Partner Discounts, Swibeco does not oversee shipping, handling, or estimated delivery times. Any concerns regarding delivery must be addressed directly to the Partner.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-8d7ba9e8 gb-headline-text h4-accordeon\">7.4. No In-Store Collection<\/h4>\n\n\n\n<p>Swibeco does not offer in-store collection. All physical orders are shipped to the designated delivery address.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-8b33c7bd gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-338e717a gb-accordion__toggle\" id=\"gb-accordion-toggle-338e717a\"><span class=\"gb-button-text\">8. Warranty<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-4bd19c3d\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-4bd19c3d\">\n\n<h4 class=\"gb-headline gb-headline-ee9b6f26 gb-headline-text h4-accordeon\">8.1. <strong>Warranty&nbsp;for&nbsp;Swibeco&nbsp;Discounts&nbsp;(Where&nbsp;Swibeco&nbsp;is&nbsp;the&nbsp;Seller)<\/strong><\/h4>\n\n\n\n<p>For&nbsp;Swibeco&nbsp;Discounts,&nbsp;warranty claims&nbsp;are&nbsp;<strong>handled&nbsp;directly&nbsp;by&nbsp;the&nbsp;Partner&nbsp;<\/strong>(the&nbsp;manufacturer or&nbsp;distributor of the product):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Swibeco&nbsp;<strong>assigns&nbsp;all&nbsp;warranty&nbsp;rights&nbsp;<\/strong>to&nbsp;you,&nbsp;allowing&nbsp;you&nbsp;to&nbsp;contact&nbsp;the&nbsp;Partner&nbsp;directly&nbsp;for&nbsp;support.<\/li>\n\n\n\n<li>The&nbsp;<strong>Partner\u2019s warranty terms&nbsp;<\/strong>apply&nbsp;to the&nbsp;product.&nbsp;Please check&nbsp;the product listing or&nbsp;warrantydocuments&nbsp;for&nbsp;details&nbsp;on&nbsp;coverage&nbsp;and&nbsp;duration.<\/li>\n\n\n\n<li><strong>Inspection&nbsp;Upon&nbsp;Receipt<\/strong>:&nbsp;We&nbsp;strongly&nbsp;advise&nbsp;you&nbsp;to&nbsp;inspect&nbsp;the&nbsp;product&nbsp;as&nbsp;soon&nbsp;as&nbsp;you&nbsp;receive it. If&nbsp;you notice&nbsp;any defects&nbsp;or&nbsp;issues,&nbsp;you should report them&nbsp;to the Partner immediately&nbsp;to&nbsp;avoid&nbsp;losing&nbsp;your&nbsp;rights.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"gb-headline gb-headline-4e1abe08 gb-headline-text\">Voucher&nbsp;Discounts:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For&nbsp;Voucher&nbsp;Discounts,&nbsp;any&nbsp;concerns&nbsp;about&nbsp;<strong>redemption,&nbsp;expiration,&nbsp;or&nbsp;conditions&nbsp;<\/strong>must&nbsp;be&nbsp;addresseddirectly&nbsp;to&nbsp;the&nbsp;issuing&nbsp;Partner.<ul><li>The&nbsp;<strong>Partner\u2019s&nbsp;terms&nbsp;and&nbsp;conditions&nbsp;<\/strong>apply&nbsp;to&nbsp;the&nbsp;redemption&nbsp;and&nbsp;use&nbsp;of&nbsp;the&nbsp;voucher.<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li>Swibeco&nbsp;<strong>does&nbsp;not&nbsp;process&nbsp;refunds&nbsp;or&nbsp;provide&nbsp;support&nbsp;<\/strong>for&nbsp;voucher&nbsp;redemption&nbsp;issues.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"gb-headline gb-headline-926ed603 gb-headline-text\">Swibeco\u2019s&nbsp;Role:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Swibeco&nbsp;<strong>does not assume responsibility for product defects&nbsp;<\/strong>but is happy to assist in&nbsp;mediatingdisputes between you&nbsp;and the&nbsp;Partner where possible.<\/li>\n\n\n\n<li>Your&nbsp;<strong>exclusive&nbsp;remedies&nbsp;<\/strong>are&nbsp;those&nbsp;provided&nbsp;under&nbsp;the&nbsp;Partner\u2019s&nbsp;warranty.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-20c4d910 gb-headline-text h4-accordeon\">8.2. Warranty&nbsp;for&nbsp;Partner&nbsp;Discounts&nbsp;(Where&nbsp;the&nbsp;Partner&nbsp;is&nbsp;the&nbsp;Seller)<\/h4>\n\n\n\n<p>For&nbsp;Partner&nbsp;Discounts,&nbsp;the&nbsp;<strong>Partner\u2019s&nbsp;warranty&nbsp;terms&nbsp;and&nbsp;conditions&nbsp;apply<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Swibeco&nbsp;<strong>is&nbsp;not&nbsp;a&nbsp;party&nbsp;to&nbsp;the&nbsp;transaction&nbsp;<\/strong>and&nbsp;does&nbsp;not&nbsp;provide&nbsp;any&nbsp;warranties&nbsp;on&nbsp;behalf&nbsp;of&nbsp;the&nbsp;Partner. <\/li>\n\n\n\n<li>If&nbsp;you&nbsp;have&nbsp;a&nbsp;warranty&nbsp;claim&nbsp;or&nbsp;a&nbsp;product&nbsp;defect,&nbsp;you&nbsp;must&nbsp;contact&nbsp;the&nbsp;Partner&nbsp;directly.<\/li>\n\n\n\n<li>Swibeco&nbsp;does&nbsp;not&nbsp;assume&nbsp;responsibility&nbsp;for&nbsp;the&nbsp;<strong>quality,&nbsp;condition,&nbsp;or&nbsp;performance&nbsp;<\/strong>of&nbsp;PartnerDiscounts.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-95153798 gb-headline-text h4-accordeon\">8.3. Swibeco\u2019s&nbsp;General&nbsp;Warranty&nbsp;Disclaimer<\/h4>\n\n\n\n<p>Regardless&nbsp;of&nbsp;the&nbsp;type&nbsp;of&nbsp;Deal&nbsp;purchased:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Swibeco&nbsp;does&nbsp;<strong>not&nbsp;provide&nbsp;warranties&nbsp;<\/strong>beyond&nbsp;those&nbsp;explicitly&nbsp;stated&nbsp;in&nbsp;these&nbsp;Terms.<\/li>\n\n\n\n<li>Swibeco&nbsp;<strong>excludes all liability&nbsp;<\/strong>for defects, malfunctions, or non-conformities, except where&nbsp;explicitlyrequired&nbsp;by&nbsp;law.<\/li>\n\n\n\n<li>Swibeco\u2019s&nbsp;<strong>only responsibility&nbsp;<\/strong>is&nbsp;to&nbsp;operate&nbsp;the&nbsp;Platformand&nbsp;ensure the&nbsp;proper display of&nbsp;Discounts,&nbsp;tothe&nbsp;best&nbsp;of&nbsp;its&nbsp;ability.<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-2f1571c0 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-e830bd09 gb-accordion__toggle\" id=\"gb-accordion-toggle-e830bd09\"><span class=\"gb-button-text\">9. Prohibited&nbsp;Use<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-56aa3ce5\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-56aa3ce5\">\n\n<p>The&nbsp;following&nbsp;restrictions&nbsp;apply&nbsp;to&nbsp;all&nbsp;Users:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Manipulating&nbsp;Prices&nbsp;or&nbsp;Exploiting&nbsp;Errors:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Any attempt to manipulate prices, take advantage of pricing errors, or knowingly purchase&nbsp;Discounts&nbsp;withincorrect&nbsp;pricing&nbsp;is&nbsp;strictly&nbsp;prohibited.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Sharing&nbsp;Discount&nbsp;Codes&nbsp;or&nbsp;Exclusive&nbsp;Offers&nbsp;Externally:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Discounts,&nbsp;discount codes,&nbsp;and special conditions&nbsp;available on&nbsp;the Platform are for&nbsp;<strong>personal&nbsp;<\/strong><strong>use only&nbsp;<\/strong>and may&nbsp;<strong>not&nbsp;<\/strong>be shared, resold, or distributed outside of authorized Users.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Fraudulent&nbsp;Activities:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Users&nbsp;may&nbsp;<strong>not&nbsp;<\/strong>engage&nbsp;in&nbsp;fraudulent&nbsp;behavior,&nbsp;including&nbsp;but&nbsp;not&nbsp;limited&nbsp;to:<\/li>\n\n\n\n<li>Creating&nbsp;multiple&nbsp;accounts&nbsp;to&nbsp;benefit&nbsp;from&nbsp;promotional&nbsp;offers.<\/li>\n\n\n\n<li>Misusing&nbsp;Prepaid&nbsp;Benefits&nbsp;in&nbsp;any&nbsp;unauthorized&nbsp;manner.<\/li>\n\n\n\n<li>Providing&nbsp;false&nbsp;information&nbsp;to&nbsp;obtain&nbsp;access&nbsp;to&nbsp;Discounts.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Unauthorized&nbsp;Commercial&nbsp;Use:<\/strong>\n<ul class=\"wp-block-list\">\n<li>The Platform is intended for personal use only. Users&nbsp;may&nbsp;<strong>not&nbsp;<\/strong>purchase Discounts with the&nbsp;intent&nbsp;to&nbsp;resell,distribute,&nbsp;or&nbsp;use&nbsp;them&nbsp;for&nbsp;business&nbsp;or&nbsp;commercial&nbsp;purposes.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Abuse&nbsp;of&nbsp;Refund&nbsp;or&nbsp;Cancellation&nbsp;Policies:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Any&nbsp;attempt&nbsp;to&nbsp;<strong>misuse&nbsp;refund&nbsp;or&nbsp;cancellation&nbsp;policies&nbsp;<\/strong>to&nbsp;obtain&nbsp;undue&nbsp;financial&nbsp;advantages&nbsp;is strictly forbidden.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Interfering&nbsp;with&nbsp;Platform&nbsp;Operations:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Users&nbsp;may&nbsp;<strong>not&nbsp;<\/strong>attempt to reverse-engineer,&nbsp;modify, hack,&nbsp;or disrupt&nbsp;the normal&nbsp;operation&nbsp;of&nbsp;the&nbsp;Platform&nbsp;in&nbsp;any&nbsp;way.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Swibeco reserves the right to suspend or terminate access in case of violations. If a violation&nbsp;results infinancial or&nbsp;reputational harm,&nbsp;Swibeco&nbsp;may seek&nbsp;compensation&nbsp;for damages.<\/strong><\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-cc6a47ff gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-c5b7cf10 gb-accordion__toggle\" id=\"gb-accordion-toggle-c5b7cf10\"><span class=\"gb-button-text\">10. Privacy<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-f8fb2372\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-f8fb2372\">\n\n<p><strong>Commitment&nbsp;to&nbsp;Data&nbsp;Protection&nbsp;Standards<\/strong><\/p>\n\n\n\n<p>Swibeco is committed to the highest standards of data protection and security. We are&nbsp;<strong>ISO 27001&nbsp;<\/strong><strong>certified<\/strong>, ensuringcompliance with&nbsp;strict international privacy and&nbsp;security requirements. Our<\/p>\n\n\n\n<p>systems&nbsp;and&nbsp;processes&nbsp;are&nbsp;designed&nbsp;to&nbsp;protect&nbsp;your&nbsp;personal&nbsp;data&nbsp;and&nbsp;prevent&nbsp;unauthorized&nbsp;access.<\/p>\n\n\n\n<p>Your&nbsp;privacy&nbsp;is&nbsp;important&nbsp;to&nbsp;us.&nbsp;Swibeco&nbsp;processes&nbsp;personal&nbsp;data&nbsp;in&nbsp;accordance&nbsp;with&nbsp;<strong>applicable&nbsp;data protectionlaws&nbsp;<\/strong>and the&nbsp;<a href=\"https:\/\/swibe.co\/privacy-en\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Swibeco&nbsp;Privacy Policy<\/strong><\/a>,&nbsp;which&nbsp;applies in&nbsp;full.<\/p>\n\n\n\n<p>This section provides an overview of service-specific privacy considerations relevant to the Swibeco&nbsp;Perks &amp; Discounts Platform. For a comprehensive explanation of how we process your data, including&nbsp;your&nbsp;rights&nbsp;and&nbsp;our&nbsp;obligations,please&nbsp;refer&nbsp;to&nbsp;our&nbsp;Privacy&nbsp;Policy.<\/p>\n\n\n\n<h5 class=\"gb-headline gb-headline-8351c7e8 gb-headline-text\">What&nbsp;Data&nbsp;is&nbsp;Processed?<\/h5>\n\n\n\n<p>To&nbsp;provide&nbsp;you&nbsp;with&nbsp;access&nbsp;to&nbsp;the&nbsp;Platform&nbsp;and&nbsp;its&nbsp;Discounts,&nbsp;Swibeco&nbsp;processes&nbsp;the&nbsp;following&nbsp;data:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>User&nbsp;Identification&nbsp;&amp;&nbsp;Access&nbsp;Data:&nbsp;<\/strong>Provided&nbsp;by&nbsp;your&nbsp;employer&nbsp;to&nbsp;create&nbsp;and&nbsp;manage&nbsp;your&nbsp;access.<\/li>\n\n\n\n<li><strong>Transaction&nbsp;Data:&nbsp;<\/strong>Details&nbsp;of Discounts purchased or&nbsp;redeemed, including&nbsp;payment method&nbsp;(if&nbsp;applicable).<\/li>\n\n\n\n<li><strong>Usage Data:&nbsp;<\/strong>Information related to your interactions with the Platform, such as browsing&nbsp;behavior&nbsp;andpreferences.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-who-nbsp-has-nbsp-access-nbsp-to-nbsp-your-nbsp-data-0\">Who&nbsp;Has&nbsp;Access&nbsp;to&nbsp;Your&nbsp;Data?<\/h5>\n\n\n\n<p>Swibeco&nbsp;<strong>only&nbsp;shares&nbsp;your&nbsp;data&nbsp;with&nbsp;third&nbsp;parties&nbsp;when&nbsp;necessary&nbsp;<\/strong>to&nbsp;provide&nbsp;the&nbsp;Services.&nbsp;These&nbsp;third parties include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Merchants\/Partners&nbsp;<\/strong>\u2013 If required to fulfill your order (e.g., for Swibeco Discounts and&nbsp;VoucherDiscounts).<\/li>\n\n\n\n<li><strong>Logistics&nbsp;Companies&nbsp;<\/strong>\u2013&nbsp;To&nbsp;ensure&nbsp;the&nbsp;correct&nbsp;and&nbsp;timely&nbsp;delivery&nbsp;of&nbsp;physical&nbsp;goods&nbsp;(where&nbsp;applicable).<\/li>\n\n\n\n<li><strong>Payment&nbsp;Processors&nbsp;<\/strong>\u2013&nbsp;To&nbsp;facilitate&nbsp;transactions,&nbsp;process&nbsp;payments,&nbsp;and&nbsp;manage&nbsp;refunds.<\/li>\n\n\n\n<li><strong>Your employer&nbsp;<\/strong>can verify your eligibility for the Platform and manage Prepaid Benefits but&nbsp;cannot&nbsp;seedetails&nbsp;of&nbsp;your&nbsp;purchases&nbsp;or&nbsp;usage&nbsp;history.<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-07603892 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-228408aa gb-accordion__toggle\" id=\"gb-accordion-toggle-228408aa\"><span class=\"gb-button-text\">11. Governing&nbsp;Law&nbsp;and&nbsp;Jurisdiction<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-2ba5026f\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-2ba5026f\">\n\n<h4 class=\"gb-headline gb-headline-a849bc74 gb-headline-text h4-accordeon\">11.1. <strong>Governing&nbsp;Law<\/strong><\/h4>\n\n\n\n<p>These&nbsp;Terms&nbsp;and&nbsp;our&nbsp;<strong>Contract&nbsp;<\/strong>with&nbsp;you&nbsp;are&nbsp;governed&nbsp;by&nbsp;and&nbsp;construed&nbsp;in&nbsp;accordance&nbsp;with&nbsp;<strong>Swiss&nbsp;<\/strong><strong>law<\/strong>,&nbsp;withoutregard&nbsp;to&nbsp;conflict&nbsp;of&nbsp;law&nbsp;principles.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-5e388732 gb-headline-text h4-accordeon\">11.2. Jurisdiction<\/h4>\n\n\n\n<p>Any dispute arising&nbsp;out of or in connection with this&nbsp;<strong>Contract&nbsp;<\/strong>shall be subject to the&nbsp;<strong>exclusive jurisdiction&nbsp;of&nbsp;thecourts&nbsp;of&nbsp;Lausanne,&nbsp;Switzerland<\/strong>.<\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"gb-headline gb-headline-5f0ea75d gb-headline-text\"><em>Swibeco\u00a0Card\u00a0Terms\u00a0&amp;\u00a0Conditions\u00a0for\u00a0Users (old version)<\/em><\/h2>\n\n\n<div class=\"gb-container gb-container-244f73cb gb-accordion\" data-accordion-multiple-open>\n<div class=\"gb-container gb-container-739a5c18 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-40342d0c gb-accordion__toggle\" id=\"gb-accordion-toggle-40342d0c\"><span class=\"gb-button-text\">1. Welcome&nbsp;to&nbsp;Swibeco&nbsp;Card!<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-4b5a39d8\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-4b5a39d8\">\n\n<p>Your&nbsp;organization&nbsp;(which&nbsp;we&nbsp;also&nbsp;call&nbsp;the&nbsp;Client)&nbsp;has&nbsp;subscribed&nbsp;to&nbsp;Swibeco&nbsp;Card&nbsp;services&nbsp;for&nbsp;you&nbsp;(the<\/p>\n\n\n\n<p><strong>Service<\/strong>).&nbsp;Swibeco&nbsp;Card&nbsp;allows&nbsp;you&nbsp;to&nbsp;make&nbsp;payments&nbsp;using&nbsp;Prepaid&nbsp;Benefits&nbsp;(credits&nbsp;purchased&nbsp;by&nbsp;the&nbsp;Client&nbsp;foryou)&nbsp;at&nbsp;designated&nbsp;acceptance&nbsp;points,&nbsp;which&nbsp;correspond&nbsp;to&nbsp;specific&nbsp;themes&nbsp;or<\/p>\n\n\n\n<p>categories.&nbsp;We&nbsp;call&nbsp;these&nbsp;themes&nbsp;<strong>Benefit&nbsp;Categories<\/strong>,&nbsp;which&nbsp;include&nbsp;the&nbsp;following:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Benefit&nbsp;Category<\/th><th class=\"has-text-align-left\" data-align=\"left\">Definition<\/th><th class=\"has-text-align-left\" data-align=\"left\">Usable&nbsp;through<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Lunch<\/td><td class=\"has-text-align-left\" data-align=\"left\">Meals&nbsp;and&nbsp;food-relatedpurchases,&nbsp;such&nbsp;asrestaurants<\/td><td class=\"has-text-align-left\" data-align=\"left\">Swibeco&nbsp;Card<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">E-mobility<\/td><td class=\"has-text-align-left\" data-align=\"left\">Sustainable&nbsp;and&nbsp;environmentally&nbsp;friendlytransport,&nbsp;such&nbsp;as&nbsp;publictransport<\/td><td class=\"has-text-align-left\" data-align=\"left\">Swibeco&nbsp;Card<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Mobility<\/td><td class=\"has-text-align-left\" data-align=\"left\">All mobility related&nbsp;points&nbsp;ofsales<\/td><td class=\"has-text-align-left\" data-align=\"left\">Swibeco&nbsp;Card<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Health&nbsp;&amp;&nbsp;Wellbeing<\/td><td class=\"has-text-align-left\" data-align=\"left\">well-being&nbsp;of&nbsp;body&nbsp;and&nbsp;mind,&nbsp;encompassing&nbsp;physical&nbsp;&amp;mental&nbsp;health<\/td><td class=\"has-text-align-left\" data-align=\"left\">Swibeco&nbsp;Card<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Leisure<\/td><td class=\"has-text-align-left\" data-align=\"left\">Activities&nbsp;related&nbsp;to&nbsp;recreationand&nbsp;entertainment<\/td><td class=\"has-text-align-left\" data-align=\"left\">Swibeco&nbsp;Card<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>If you are unsure which Benefit Categories are available to you or where you can use Swibeco Card,&nbsp;we encourageyou&nbsp;to consult&nbsp;with&nbsp;the&nbsp;designated contact&nbsp;person&nbsp;in your&nbsp;organization&nbsp;or&nbsp;consult the&nbsp;Swibeco&nbsp;app,&nbsp;which&nbsp;provides&nbsp;up-to-date&nbsp;information.<\/p>\n\n\n\n<p>This&nbsp;document&nbsp;explains&nbsp;how&nbsp;the&nbsp;Swibeco&nbsp;Card&nbsp;works&nbsp;and&nbsp;outlines&nbsp;the&nbsp;terms&nbsp;and conditions&nbsp;that&nbsp;apply&nbsp;to&nbsp;the&nbsp;Service.These&nbsp;Swibeco&nbsp;Card&nbsp;Terms&nbsp;&amp;&nbsp;Conditions&nbsp;for&nbsp;Users&nbsp;(<strong>Swibeco&nbsp;Card&nbsp;Terms<\/strong>)&nbsp;and the&nbsp;<a href=\"https:\/\/swibe.co\/privacy-en\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Swibeco&nbsp;Privacy&nbsp;Policy<\/strong><\/a><strong>&nbsp;<\/strong>form&nbsp;a&nbsp;binding&nbsp;contract&nbsp;(the&nbsp;<strong>Contract<\/strong>)&nbsp;between&nbsp;you&nbsp;and&nbsp;Swibeco.&nbsp;When the Clientsubscribes&nbsp;to the&nbsp;Service,&nbsp;they accept these Swibeco Card Terms&nbsp;on your behalf. By using&nbsp;or receiving the Service,you confirm your continued agreement to these&nbsp;Swibeco Card Terms.<\/p>\n\n\n\n<p>In&nbsp;the&nbsp;event&nbsp;of&nbsp;a&nbsp;contradiction&nbsp;between&nbsp;these&nbsp;<strong>Terms&nbsp;<\/strong>and&nbsp;any&nbsp;other&nbsp;contractual&nbsp;document<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>these&nbsp;<strong>Terms<\/strong><strong>&nbsp;<\/strong>shall&nbsp;prevail&nbsp;for&nbsp;all&nbsp;matters&nbsp;concerning&nbsp;the&nbsp;<strong>Service<\/strong>.<\/li>\n\n\n\n<li>With&nbsp;regard&nbsp;to&nbsp;data&nbsp;protection,&nbsp;<a href=\"https:\/\/swibe.co\/privacy-en\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Swibeco&#8217;s&nbsp;privacy&nbsp;policy<\/strong><\/a><strong>&nbsp;<\/strong>shall&nbsp;prevail.<\/li>\n<\/ul>\n\n\n\n<p>We recommend you consult all documents that&nbsp;form&nbsp;the Contract to understand&nbsp;your rights&nbsp;and&nbsp;obligations&nbsp;fully.<\/p>\n\n\n\n<p>Capitalized terms&nbsp;used in&nbsp;these Swibeco Card Terms have&nbsp;consistent meanings throughout&nbsp;this document. While&nbsp;we&nbsp;have&nbsp;aimed to make&nbsp;these&nbsp;Terms as clear and&nbsp;readable as&nbsp;possible,&nbsp;some&nbsp;\u201clegalese\u201d&nbsp;have&nbsp;beenincluded&nbsp;for&nbsp;compliance.<\/p>\n\n\n\n<p>To&nbsp;ensure&nbsp;Swibeco&nbsp;Card&nbsp;continues&nbsp;to&nbsp;meet&nbsp;our&nbsp;users&#8217;&nbsp;needs,&nbsp;we&nbsp;may&nbsp;amend&nbsp;these&nbsp;Swibeco&nbsp;Card Terms from time to time to reflect updates to our services, legal requirements, or business practices.&nbsp;All changes&nbsp;will be&nbsp;published&nbsp;on&nbsp;our website&nbsp;and&nbsp;will&nbsp;take effect upon publication. For material updates that significantly&nbsp;affect the&nbsp;Service,we&nbsp;will make reasonable&nbsp;efforts to notify&nbsp;you&nbsp;via&nbsp;email&nbsp;and\/or in-app notifications.<\/p>\n\n\n\n<p>We&nbsp;encourage&nbsp;you&nbsp;to&nbsp;review&nbsp;these&nbsp;Swibeco&nbsp;Card&nbsp;Terms&nbsp;regularly.&nbsp;Continued&nbsp;use&nbsp;of&nbsp;Swibeco&nbsp;Card&nbsp;after updated Terms have been published means you accept the revised terms.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-6ccc552e gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-bd2e37f9 gb-accordion__toggle\" id=\"gb-accordion-toggle-bd2e37f9\"><span class=\"gb-button-text\">2. How&nbsp;to&nbsp;access&nbsp;the&nbsp;Service<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-151b381c\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-151b381c\">\n\n<p><strong>Invitation and Information Submission:&nbsp;<\/strong>You will receive an invitation email from your organization (the Client) with instructions for accessing the Service. You must provide the requested information&nbsp;accurately.<\/p>\n\n\n\n<p><strong>Activation:&nbsp;<\/strong>Once your information has been validated, your access to the Service will be activated. A prepaid account (the&nbsp;<strong>Card Account<\/strong>) will be associated with your Swibeco Card, where prepaid benefits are allocated by your organization and from which payments are deducted when you use the Swibeco Card. You can&nbsp;start using the Service as&nbsp;soon&nbsp;as&nbsp;your Card Account has a positive&nbsp;balance.<\/p>\n\n\n\n<p><strong>Responsibility&nbsp;for&nbsp;Information:&nbsp;<\/strong>You&nbsp;are&nbsp;responsible&nbsp;for&nbsp;ensuring&nbsp;the&nbsp;information&nbsp;you&nbsp;provide&nbsp;is accurate and up to date. If your information changes, it is your responsibility to notify Swibeco and your organization promptly. Swibeco reserves the right to claim compensation for any damages,&nbsp;losses,&nbsp;costs,&nbsp;or&nbsp;expenses&nbsp;incurred,&nbsp;whether&nbsp;directly&nbsp;orindirectly,&nbsp;because&nbsp;of&nbsp;any&nbsp;provided information&nbsp;that&nbsp;is&nbsp;inaccurate,&nbsp;incomplete,&nbsp;or&nbsp;outdated,&nbsp;including&nbsp;in&nbsp;the&nbsp;event&nbsp;of&nbsp;a&nbsp;card&nbsp;returned&nbsp;due&nbsp;to&nbsp;an&nbsp;incorrect&nbsp;or&nbsp;outdatedaddress.<\/p>\n\n\n\n<p><strong>Assistance:&nbsp;<\/strong>If you encounter issues during the registration process or do not receive an invitation,&nbsp;please contact your organization\u2019s representative or Swibeco at&nbsp;<a href=\"mailto:info@swibeco.ch\">info@swibeco.ch.<\/a><\/p>\n\n\n\n<p><strong>Deactivation:&nbsp;<\/strong>If you no longer wish to use&nbsp;the&nbsp;<strong>Service<\/strong>, you must contact&nbsp;your&nbsp;organization to arrange&nbsp;for&nbsp;deactivation.We cannot&nbsp;process&nbsp;deactivation&nbsp;requests&nbsp;directly&nbsp;from&nbsp;users.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-b7387950 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-f0e785e2 gb-accordion__toggle\" id=\"gb-accordion-toggle-f0e785e2\"><span class=\"gb-button-text\">3. Use&nbsp;of&nbsp;the&nbsp;Swibeco&nbsp;Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-09323d05\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-09323d05\">\n\n<p><strong>Balance Limits:&nbsp;<\/strong>For regulatory reasons, the maximum amount that can be available as a balance in your&nbsp;<strong>Card Account&nbsp;<\/strong>at any given time is CHF 5\u2019000. Additionally, the total amount of prepaid benefits that can be allocated to your&nbsp;<strong>Card Account&nbsp;<\/strong>is capped&nbsp;at CHF 5,000 per&nbsp;calendar&nbsp;month and CHF&nbsp;25,000&nbsp;per&nbsp;calendar&nbsp;year.<\/p>\n\n\n\n<p><strong>Verification&nbsp;Requirements:&nbsp;<\/strong>Swibeco&nbsp;may&nbsp;request from&nbsp;you&nbsp;any&nbsp;information&nbsp;required&nbsp;for&nbsp;due&nbsp;diligence and transaction purposes. You undertake to promptly and diligently comply with any&nbsp;information&nbsp;request&nbsp;from&nbsp;Swibeco&nbsp;by&nbsp;providingaccurate,&nbsp;complete,&nbsp;and&nbsp;up-to-date&nbsp;information.&nbsp;If&nbsp;the information requested by Swibeco is not provided within 30 calendar days, the&nbsp;<strong>Service&nbsp;<\/strong>may be suspended or deactivated,&nbsp;and the&nbsp;<strong>Card Account&nbsp;<\/strong>closed. In such cases, any balance remaining in your&nbsp;<strong>Card&nbsp;Account&nbsp;<\/strong>will not&nbsp;be refunded. Swibeco is not responsible for any consequences to you in&nbsp;these&nbsp;circumstances.<\/p>\n\n\n\n<p><strong>Balance Management:&nbsp;<\/strong>Your organization manages and loads the prepaid benefits in your&nbsp;<strong>Card&nbsp;<\/strong><strong>Account<\/strong>. You cannot&nbsp;personally top&nbsp;up your Swibeco Card or&nbsp;request overdraft or credit&nbsp;facilities.&nbsp;After each transaction, the balance in your&nbsp;<strong>Card Account&nbsp;<\/strong>is reduced by the corresponding amount.&nbsp;You can&nbsp;check&nbsp;your balance&nbsp;and&nbsp;transaction&nbsp;history atany time&nbsp;using&nbsp;the&nbsp;Swibeco&nbsp;app.<\/p>\n\n\n\n<p><strong>Transaction Review:&nbsp;<\/strong>If you identify an error or issue in your transaction history, you must report it&nbsp;within fourweeks. After this period,&nbsp;all transactions are considered&nbsp;final and accepted.<\/p>\n\n\n\n<p><strong>Validity&nbsp;of&nbsp;Benefits:&nbsp;<\/strong>Prepaid&nbsp;benefits&nbsp;remain&nbsp;valid&nbsp;as&nbsp;long&nbsp;as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The&nbsp;Client&nbsp;has&nbsp;an&nbsp;active&nbsp;subscription&nbsp;to&nbsp;the&nbsp;<strong>Service<\/strong>,&nbsp;and<\/li>\n\n\n\n<li>Your&nbsp;<strong>Service&nbsp;<\/strong>is&nbsp;activated.<\/li>\n<\/ul>\n\n\n\n<p>If there has been no activity on your Swibeco Card for an extended period, Swibeco may contact you&nbsp;to&nbsp;confirmcontinued&nbsp;use.<\/p>\n\n\n\n<p><strong>Acceptance Points and Benefit Categories:&nbsp;<\/strong>Swibeco Card is accepted at a wide range of designated&nbsp;<strong>acceptance points<\/strong>, allowing you to enjoy the benefits provided by your organization. You can use Swibeco Card for purchases within the&nbsp;<strong>Benefit Categories&nbsp;<\/strong>specified by the Client.<\/p>\n\n\n\n<p>If the balance in your&nbsp;<strong>Card Account&nbsp;<\/strong>is insufficient or if you attempt to make a purchase outside the&nbsp;specified&nbsp;<strong>BenefitCategories<\/strong>,&nbsp;the&nbsp;transaction&nbsp;will&nbsp;be&nbsp;declined.<\/p>\n\n\n\n<p>Transactions may occasionally be declined at certain acceptance points or for certain Benefit&nbsp;Categories&nbsp;due&nbsp;toerrors&nbsp;in&nbsp;categorization&nbsp;by&nbsp;the&nbsp;payment&nbsp;network.&nbsp;The&nbsp;issuer&nbsp;accepts&nbsp;no responsibility&nbsp;for&nbsp;any&nbsp;inconvenience&nbsp;or&nbsp;lossresulting&nbsp;from&nbsp;such&nbsp;declines.<\/p>\n\n\n\n<p><strong>No&nbsp;Cash&nbsp;Withdrawals:&nbsp;<\/strong>For&nbsp;regulatory&nbsp;reasons,&nbsp;the&nbsp;Swibeco&nbsp;Card&nbsp;cannot&nbsp;be&nbsp;used&nbsp;to&nbsp;withdraw&nbsp;cash.<\/p>\n\n\n\n<p><strong>Personal&nbsp;Use&nbsp;Only:&nbsp;<\/strong>Swibeco&nbsp;Card&nbsp;is&nbsp;issued&nbsp;for&nbsp;your&nbsp;personal&nbsp;use&nbsp;and&nbsp;is&nbsp;registered&nbsp;exclusively&nbsp;to&nbsp;you as the designated user. The&nbsp;<strong>Service&nbsp;<\/strong>is non-transferable and may not be shared or used by anyone&nbsp;else.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-ae0f79c1 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-7e1d5ac1 gb-accordion__toggle\" id=\"gb-accordion-toggle-7e1d5ac1\"><span class=\"gb-button-text\">4. Your&nbsp;Swibeco&nbsp;Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-ec193eb2\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-ec193eb2\">\n\n<p>The&nbsp;Swibeco&nbsp;Card&nbsp;is&nbsp;provided&nbsp;as&nbsp;a&nbsp;personalized&nbsp;card&nbsp;issued&nbsp;by&nbsp;our&nbsp;partner&nbsp;Yapeal.&nbsp;The&nbsp;Swibeco&nbsp;Card can&nbsp;be useddigitally with&nbsp;payment platforms&nbsp;such&nbsp;as&nbsp;Apple&nbsp;Pay,&nbsp;Google&nbsp;Pay,&nbsp;and&nbsp;Samsung&nbsp;Pay.&nbsp;A physical version of the Swibeco Card is also available, either provided by your organization, or to be&nbsp;purchased&nbsp;directly&nbsp;on&nbsp;the&nbsp;Swibeco&nbsp;app.<\/p>\n\n\n\n<p>When using your Swibeco Card, you agree to the following duty of care provisions and confirm that&nbsp;you&nbsp;comply&nbsp;withthese&nbsp;provisions:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The Swibeco Card and&nbsp;notes on&nbsp;associated&nbsp;security-relevant data&nbsp;(e.g.,&nbsp;PIN) must be kept separately&nbsp;from&nbsp;each other&nbsp;and&nbsp;protected from&nbsp;unauthorized access.<\/li>\n\n\n\n<li>When&nbsp;ordering&nbsp;the&nbsp;Swibeco&nbsp;Card,&nbsp;a&nbsp;PIN&nbsp;must&nbsp;be&nbsp;defined&nbsp;for&nbsp;the&nbsp;card,&nbsp;which&nbsp;is&nbsp;known&nbsp;only&nbsp;to&nbsp;you as User. This PIN should not have any reference to you (e.g., telephone numbers, date of&nbsp;birth).<\/li>\n\n\n\n<li>You must&nbsp;keep&nbsp;the PIN&nbsp;secret.&nbsp;You&nbsp;must&nbsp;not&nbsp;disclose the&nbsp;PIN&nbsp;to&nbsp;any&nbsp;other person&nbsp;or&nbsp;make&nbsp;it accessible&nbsp;to&nbsp;others&nbsp;in&nbsp;anyform.&nbsp;The&nbsp;PIN&nbsp;must&nbsp;always&nbsp;be&nbsp;entered&nbsp;in&nbsp;a&nbsp;concealed&nbsp;manner.<\/li>\n\n\n\n<li>Likewise,&nbsp;you&nbsp;may&nbsp;not&nbsp;disclose&nbsp;the&nbsp;Swibeco&nbsp;Card&nbsp;or&nbsp;individual&nbsp;data&nbsp;relating&nbsp;to&nbsp;card,&nbsp;in&nbsp;particular&nbsp;the&nbsp;cardnumber&nbsp;and&nbsp;card&nbsp;validation&nbsp;code,&nbsp;to&nbsp;other&nbsp;persons.<\/li>\n\n\n\n<li>For certain internet transactions, merchants require two-stage authentication. In this case, the transactions must be confirmed during the payment process by means of an SMS code (one-&nbsp;time password). You&nbsp;are obliged to check the transactions to be confirmed for&nbsp;correctness.&nbsp;Unknown&nbsp;or&nbsp;incorrect&nbsp;transactions&nbsp;must&nbsp;not&nbsp;be&nbsp;confirmedand&nbsp;SMS&nbsp;codes&nbsp;for&nbsp;two-step&nbsp;authentication&nbsp;must&nbsp;not&nbsp;be&nbsp;passed&nbsp;on&nbsp;to&nbsp;third&nbsp;parties.<\/li>\n\n\n\n<li>Activation&nbsp;of&nbsp;a&nbsp;debit&nbsp;card&nbsp;for&nbsp;mobile&nbsp;payment&nbsp;may&nbsp;also&nbsp;require&nbsp;two-step&nbsp;authentication&nbsp;via&nbsp;SMS code (one-time password) or push provisioning. You are obliged to check the activation&nbsp;to be confirmed for correctness. Unknown activations or activations not made by you may not&nbsp;be&nbsp;confirmed&nbsp;and&nbsp;SMS&nbsp;codes&nbsp;for&nbsp;two-stepauthentication&nbsp;may&nbsp;not&nbsp;be&nbsp;passed&nbsp;on&nbsp;to&nbsp;third&nbsp;parties.<\/li>\n\n\n\n<li>You&nbsp;must&nbsp;act&nbsp;in&nbsp;good&nbsp;faith&nbsp;and&nbsp;take&nbsp;due&nbsp;care&nbsp;of&nbsp;the&nbsp;Swibeco&nbsp;Card&nbsp;and&nbsp;devices&nbsp;activated&nbsp;for Mobile&nbsp;Payment.&nbsp;Underno&nbsp;circumstances&nbsp;may you&nbsp;allow&nbsp;another&nbsp;person&nbsp;to&nbsp;use&nbsp;them.&nbsp;This&nbsp;includes protecting the devices securely from access by third parties (device-dependent: e.g.,&nbsp;secure&nbsp;PIN,&nbsp;biometric&nbsp;login).<\/li>\n\n\n\n<li>If&nbsp;you&nbsp;notice&nbsp;or&nbsp;suspect&nbsp;that&nbsp;the&nbsp;terminal&nbsp;device&nbsp;or&nbsp;digital&nbsp;debit&nbsp;card&nbsp;or&nbsp;individual&nbsp;information&nbsp;has&nbsp;come&nbsp;into&nbsp;thecontrol&nbsp;of&nbsp;an&nbsp;unauthorized&nbsp;person&nbsp;(in&nbsp;particular&nbsp;loss&nbsp;or&nbsp;theft)&nbsp;or&nbsp;that&nbsp;unauthorized transactions&nbsp;have&nbsp;been&nbsp;madevia&nbsp;it, you are&nbsp;obligated&nbsp;to immediately&nbsp;change&nbsp;access features&nbsp;and&nbsp;methods and\/or&nbsp;have&nbsp;the&nbsp;mobile payment&nbsp;functionblocked immediately&nbsp;and&nbsp;to&nbsp;inform&nbsp;Swibeco&nbsp;without&nbsp;delay.<\/li>\n<\/ol>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-3d2b4ee2 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-2790afd9 gb-accordion__toggle\" id=\"gb-accordion-toggle-2790afd9\"><span class=\"gb-button-text\">5. Fees&nbsp;and&nbsp;Costs<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-8b129b2e\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-8b129b2e\">\n\n<p><strong>Responsibility for Fees and costs:&nbsp;<\/strong>The costs of the Service, including any applicable setup fee,&nbsp;monthly administrative fees,&nbsp;and&nbsp;any additional&nbsp;costs,&nbsp;are typically borne&nbsp;by&nbsp;the&nbsp;Client.<\/p>\n\n\n\n<p><strong>Default&nbsp;Guarantee&nbsp;Costs:&nbsp;<\/strong>To&nbsp;comply&nbsp;with&nbsp;regulatory&nbsp;requirements,&nbsp;prepaid&nbsp;balances&nbsp;exceeding&nbsp;CHF&nbsp;3\u2019000&nbsp;and&nbsp;up&nbsp;to&nbsp;CHF5\u2019000&nbsp;in&nbsp;your&nbsp;Card&nbsp;Account are protected&nbsp;by a&nbsp;default&nbsp;guarantee issued&nbsp;by a&nbsp;Swiss bank. Swibeco incurs costs for maintaining this guarantee and reserves the right to charge these&nbsp;costs&nbsp;to&nbsp;you&nbsp;and\/or&nbsp;the&nbsp;Client&nbsp;if&nbsp;balances&nbsp;exceed&nbsp;CHF&nbsp;3\u2019000.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-f6c52c9d gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-1d7777b0 gb-accordion__toggle\" id=\"gb-accordion-toggle-1d7777b0\"><span class=\"gb-button-text\">6. Duration&nbsp;of&nbsp;the&nbsp;Service<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-a05901fe\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-a05901fe\">\n\n<h4 class=\"gb-headline gb-headline-f7a6afa6 gb-headline-text h4-accordeon\">6.1. Term&nbsp;of&nbsp;the&nbsp;Service<\/h4>\n\n\n\n<p>You&nbsp;can&nbsp;use&nbsp;the&nbsp;<strong>Service&nbsp;<\/strong>as&nbsp;long&nbsp;as&nbsp;your&nbsp;organization&nbsp;maintains&nbsp;an&nbsp;active&nbsp;subscription&nbsp;for&nbsp;the&nbsp;Swibeco Card, and your<strong>Card Account&nbsp;<\/strong>has&nbsp;a positive&nbsp;balance. We have described below the circumstances of&nbsp;terminating&nbsp;the Service andwhat happens&nbsp;after termination&nbsp;is processed.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-24d9cf85 gb-headline-text h4-accordeon\">6.2. Suspension\/Termination&nbsp;by&nbsp;Swibeco<\/h4>\n\n\n\n<p><strong>Suspension:&nbsp;<\/strong>Swibeco&nbsp;may&nbsp;temporarily&nbsp;suspend&nbsp;your&nbsp;access&nbsp;to&nbsp;the&nbsp;<strong>Service&nbsp;<\/strong>if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There&nbsp;is&nbsp;a&nbsp;suspected&nbsp;violation&nbsp;of&nbsp;these&nbsp;Swibeco&nbsp;Card&nbsp;Terms,&nbsp;the&nbsp;<strong>Contract<\/strong>,&nbsp;or&nbsp;applicable&nbsp;laws.<\/li>\n\n\n\n<li>Security&nbsp;concerns&nbsp;arise,&nbsp;such&nbsp;as&nbsp;unauthorized&nbsp;or&nbsp;fraudulent&nbsp;use&nbsp;of&nbsp;your&nbsp;Swibeco&nbsp;Card.<\/li>\n<\/ul>\n\n\n\n<p>Suspension limits&nbsp;or blocks&nbsp;your ability to use your Swibeco Card until the issue is&nbsp;resolved&nbsp;(e.g., by&nbsp;proving&nbsp;noviolation&nbsp;of&nbsp;the&nbsp;Swibeco&nbsp;Card&nbsp;Terms,&nbsp;etc.).<\/p>\n\n\n\n<p><strong>Termination:&nbsp;<\/strong>Swibeco&nbsp;may&nbsp;permanently&nbsp;terminate&nbsp;the&nbsp;<strong>Service&nbsp;<\/strong>and&nbsp;deactivate&nbsp;your&nbsp;Swibeco&nbsp;Card&nbsp;if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your organization has failed to pay the required fees or costs, even after receiving a payment&nbsp;reminder from us.<\/li>\n\n\n\n<li>You&nbsp;violate&nbsp;these&nbsp;Swibeco&nbsp;Card&nbsp;Terms&nbsp;or&nbsp;other&nbsp;provisions&nbsp;of&nbsp;the&nbsp;<strong>Contract<\/strong>.<\/li>\n\n\n\n<li>Termination&nbsp;is&nbsp;required&nbsp;for&nbsp;legal&nbsp;or&nbsp;regulatory&nbsp;reason.<\/li>\n<\/ul>\n\n\n\n<p>Termination&nbsp;of&nbsp;this&nbsp;Contractresults&nbsp;in&nbsp;the&nbsp;closure&nbsp;of&nbsp;your&nbsp;<strong>Card&nbsp;Account&nbsp;<\/strong> and&nbsp;loss&nbsp;of&nbsp;access&nbsp;to&nbsp;any&nbsp;remaining&nbsp;balance.<\/p>\n\n\n\n<p><strong>Inactive&nbsp;Account:&nbsp;<\/strong>If&nbsp;no&nbsp;transactions&nbsp;are&nbsp;registered&nbsp;on&nbsp;your Swibeco&nbsp;Card&nbsp;for&nbsp;a&nbsp;period&nbsp;of&nbsp;10&nbsp;years,&nbsp;Swibeco may take steps to&nbsp;deactivate the Card Account and terminate the Service.<\/p>\n\n\n\n<h4 class=\"gb-headline gb-headline-c4d2b308 gb-headline-text h4-accordeon\">6.3. Termination&nbsp;by&nbsp;the&nbsp;Client<\/h4>\n\n\n\n<p>The Client may terminate the&nbsp;<strong>Service&nbsp;<\/strong>for an individual user (e.g., when the user leaves the organization) or for all users by cancelling or not renewing their subscription. When termination is communicated to Swibeco, the affected&nbsp;<strong>Card Account(s)&nbsp;<\/strong>will automatically be updated:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No&nbsp;new&nbsp;prepaid&nbsp;benefits&nbsp;will&nbsp;be&nbsp;added&nbsp;to&nbsp;the&nbsp;<strong>Card&nbsp;Account(s)&nbsp;<\/strong>after&nbsp;termination&nbsp;is&nbsp;processed.<\/li>\n\n\n\n<li>You may continue to use any remaining balance in their&nbsp;<strong>Card Account&nbsp;<\/strong>for up to&nbsp;<strong>24 months<\/strong>, subject to administrative fees of&nbsp;<strong>CHF 5 per month<\/strong>, which will be deducted directly from your&nbsp;<strong>Card&nbsp;Account<\/strong>.<\/li>\n\n\n\n<li>The&nbsp;<strong>Service&nbsp;<\/strong>will terminate automatically when the&nbsp;<strong>Card Account&nbsp;<\/strong>no longer has sufficient prepaid benefits to cover the monthly fee, reaches a zero balance, or after 24 months from&nbsp;your&nbsp;organization&nbsp;communicatingthe&nbsp;end&nbsp;of your&nbsp;subscription,&nbsp;whichever&nbsp;occurs&nbsp;earlier.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"gb-headline gb-headline-1a2f4cd0 gb-headline-text h4-accordeon\">6.4. No&nbsp;Refunds<\/h4>\n\n\n\n<p>For&nbsp;regulartory&nbsp;reasons,&nbsp;any remaining&nbsp;balance&nbsp;in&nbsp;the&nbsp;<strong>Card&nbsp;Account&nbsp;<\/strong>after&nbsp;the&nbsp;<strong>Service&nbsp;<\/strong>is&nbsp;terminated&nbsp;will not be refunded.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-22e9bd63 gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-b508b90f gb-accordion__toggle\" id=\"gb-accordion-toggle-b508b90f\"><span class=\"gb-button-text\">7. Use of Third Parties<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-2bad4509\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-2bad4509\">\n\n<p>To provide the <strong>Service<\/strong>, Swibeco collaborates with carefully selected third parties. These include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Payment network: <\/strong>Visa enables secure and widely accepted payments with the Swibeco Card.<\/li>\n\n\n\n<li><strong>Card Issuer: <\/strong>Swibeco works with Yapeal AG (<strong>Yapeal<\/strong>), which manages the technical infrastructure for your <strong>Card Account <\/strong>and ensures smooth payment processing.<\/li>\n\n\n\n<li><strong>Bank Guarantee: <\/strong>UBS Switzerland AG (<strong>UBS <\/strong>or the <strong>Bank<\/strong>) has issued a default guarantee for any amount exceeding CHF 3\u2019000 and up to CHF 5\u2019000 in the Card Accounts to comply with regulatory requirements.<\/li>\n\n\n\n<li><strong>Other Service Providers: <\/strong>Swibeco may engage additional third-party providers to deliver specific features of the <strong>Service<\/strong>, such as transaction processing or regulatory compliance services.<\/li>\n<\/ul>\n\n\n\n<p>Swibeco shares your data with these third parties only as necessary to ensure the proper functioning of the <strong>Service <\/strong>and to comply with applicable regulations. All third parties are bound by confidentiality obligations and data protection laws. Moreover, Swibeco is ISO 27001 certified, ensuring the highest standards in terms of data privacy and security.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-4dde430d gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-1679277e gb-accordion__toggle\" id=\"gb-accordion-toggle-1679277e\"><span class=\"gb-button-text\">8. Information<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-a0093d9f\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-a0093d9f\">\n\n<p><strong>Accuracy and Updates: <\/strong>You are responsible for providing accurate and up-to-date personal information when activating the Service. If your information changes, you must notify your organization and Swibeco promptly to ensure uninterrupted access to the Service.<\/p>\n\n\n\n<p><strong>Data Processing: <\/strong>Swibeco and its partners process your information strictly to deliver the Service. This includes managing your Card Account, processing transactions, and ensuring compliance with legal and regulatory requirements. In addition, Swibeco is entitled to share your data with the Bank providing the default guarantee referred to in Section 5. This sharing is strictly limited to the data necessary for the Bank to fulfill their regulatory obligations, maintain the guarantee or in order for you to benefit from the guarantee if applicable. The data concerned typically includes first name, last name, email, address, nationality, and card account balance.<\/p>\n\n\n\n<p><strong>Sanction Screening<\/strong>: Yapeal will perform sanction screenings prior to issuing the Swibeco Card in the name of the User. They might also do so from time to time for due diligence purposes. Should one or more Users be flagged by the sanction screening process, Yapeal will not be entitled to issue the<\/p>\n\n\n\n<p>Swibeco Card. Swibeco has no responsibility in this process and cannot be held liable for any related inconvenience or loss.<\/p>\n\n\n\n<p><strong>Confidentiality: <\/strong>Swibeco treats your personal information with the utmost confidentiality. Your information will not be shared with third parties except as necessary to deliver the Service or as required by law.<\/p>\n\n\n\n<p><strong>Privacy Policy: <\/strong>For detailed information on how your information is collected, used, and protected, please refer to <a href=\"https:\/\/swibe.co\/privacy-en\" target=\"_blank\" rel=\"noreferrer noopener\">Swibeco Privacy Policy,<\/a> which forms part of these Swibeco Card Terms. The Swibeco Privacy Policy governs all matters related to data collection, use, and sharing that are not explicitly addressed in these Swibeco Card Terms.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-1002bef2 gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-2878ad11 gb-accordion__toggle\" id=\"gb-accordion-toggle-2878ad11\"><span class=\"gb-button-text\">9. Protecting your Swibeco Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-f24986c8\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-f24986c8\">\n\n<p><strong>Personal Responsibility: <\/strong>Your Swibeco Card is equivalent to cash and must be handled with care. You are responsible for safeguarding your Swibeco Card and ensuring that it is not lost, stolen, or misused. In addition, you must maintain the security of any devices (e.g., smartphones or tablets) used to manage your Swibeco Card, including keeping apps updated and using secure passwords.<\/p>\n\n\n\n<p><strong>PIN and Access Codes: <\/strong>Keep your PIN and any access codes confidential at all times. Do not share them with others or store them in a way that could compromise their security. If unauthorized access occurs due to negligence in protecting your Swibeco Card, you will bear the consequences. You can change your PIN code at any time on the Swibeco app.<\/p>\n\n\n\n<p><strong>Reporting Loss or Theft: <\/strong>If your Swibeco Card is lost or stolen, you can block it directly in the Swibeco app. Alternatively, you must report it immediately to your organization (the Client) who will be able to block it. Prompt reporting ensures that Swibeco can take action to prevent unauthorized<\/p>\n\n\n\n<p>transactions.<\/p>\n\n\n\n<p><strong>Liability for Unauthorized Use: <\/strong>Swibeco cannot be held responsible for unauthorized transactions if you fail to take reasonable measures to protect your Swibeco Card, PIN, or access codes. Note that individuals living in the same household as you are not considered third parties for the purposes of unauthorized use.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-0e986f75 gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-a8d58453 gb-accordion__toggle\" id=\"gb-accordion-toggle-a8d58453\"><span class=\"gb-button-text\">10. Liability<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-4f94fead\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-4f94fead\">\n\n<p><strong>Responsibility for Accurate Information: <\/strong>You are responsible for providing accurate and up-to-date information when activating the <strong>Service <\/strong>and throughout its use. This responsibility is important not only to ensure uninterrupted access but also to comply with regulatory requirements. If inaccurate or incomplete information is provided, the <strong>Service <\/strong>may be suspended or terminated without notice, and you may bear any associated costs.<\/p>\n\n\n\n<p><strong>Compliance with Regulations: <\/strong>Swibeco Card operates within a regulated framework to ensure security and compliance. As part of this, certain information you provide may be verified to meet legal and regulatory standards. If verification requirements are not met, your <strong>Card Account <\/strong>may be subject to restrictions or closure. We decline all responsibility in this case.<\/p>\n\n\n\n<p><strong>Authorized Transactions: <\/strong>All transactions made using your Swibeco Card with the correct PIN or credentials are considered authorized by you and are final. If you believe there is an error or issue with a transaction, you must report it within four weeks; otherwise, it will be deemed accepted.<\/p>\n\n\n\n<p><strong>Disputes with Acceptance Points: <\/strong>Swibeco is not liable for any disputes arising from transactions at <strong>acceptance points<\/strong>. You must resolve such disputes directly with the merchant.<\/p>\n\n\n\n<p><strong>Indemnification: <\/strong>You agree to indemnify Swibeco for any costs, losses, or claims resulting from:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The provision of inaccurate or incomplete information, including for regulatory or compliance purposes; and<\/li>\n\n\n\n<li>Misuse of the <strong>Service <\/strong>or violations of these Terms.<\/li>\n<\/ul>\n\n\n\n<p><strong>Exclusions of Liability: <\/strong>Swibeco is not responsible for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Any remaining balance in your <strong>Card Account <\/strong>after the <strong>Service <\/strong>is terminated. Note that you still have the right to use the remaining balance in accordance with Section 6.3.<\/li>\n\n\n\n<li>Unauthorized use of your Swibeco Card if you fail to protect it.<\/li>\n\n\n\n<li>Issues with acceptance points refusing or failing to process transactions.<\/li>\n\n\n\n<li>Delays, interruptions, or unavailability of the Service caused by events beyond its control, such as natural disasters, government actions, technical problems, or cyberattacks. Of course, we will do our best to resume the Service as soon as possible.<\/li>\n<\/ul>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-18e2bce6 gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-a0c8fb91 gb-accordion__toggle\" id=\"gb-accordion-toggle-a0c8fb91\"><span class=\"gb-button-text\">11. Communications<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-2032d51b\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-2032d51b\">\n\n<p><strong>Notifications from Swibeco: <\/strong>Swibeco may communicate important updates regarding the <strong>Service <\/strong>through:<strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Email,<\/li>\n\n\n\n<li>The Swibeco app, or<\/li>\n\n\n\n<li>Other electronic means.<\/li>\n<\/ul>\n\n\n\n<p>Some communications or notifications may be provided exclusively through the Swibeco app. Please ensure you have access to the app and enable notifications. It is your responsibility to regularly check for such communications and ensure that emails or notifications from Swibeco are not blocked or sent to spam folders.<\/p>\n\n\n\n<p><strong>Questions or Support: <\/strong>If you have any questions about the <strong>Service <\/strong>or require assistance, contact your organization\u2019s representative or Swibeco\u2019s customer support team via email <a href=\"mailto:info@swibeco.ch\" target=\"_blank\" rel=\"noreferrer noopener\">info@swibeco.ch,<\/a> live chat or phone +4141 360 43 43.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-c3177312 gb-accordion__item\" id=\"gb-accordion-content-3734f55f\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-0d8ec8db gb-accordion__toggle\" id=\"gb-accordion-toggle-0d8ec8db\"><span class=\"gb-button-text\">12. Applicable law and place of jurisdiction<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-07208b5a\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-07208b5a\">\n\n<p>These Terms shall be governed, interpreted and construed by, under and pursuant to the substantive laws of Switzerland (excluding its conflict of laws provisions).<\/p>\n\n\n\n<p>All disputes arising out of or in connection with these Terms, including disputes regarding their conclusion, validity, binding effect, amendment, breach, termination or rescission, shall be subject to the exclusive jurisdiction of the ordinary courts of Lausanne, Switzerland.<\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"gb-headline gb-headline-f84e4ba6 gb-headline-text\"><em>Lunch Card Terms&nbsp;&amp;&nbsp;Conditions (old version)<\/em><\/h2>\n\n\n<div class=\"gb-container gb-container-57c72114 gb-accordion\" data-accordion-multiple-open>\n<div class=\"gb-container gb-container-7df3a47f gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-94cfb274 gb-accordion__toggle\" id=\"gb-accordion-toggle-94cfb274\"><span class=\"gb-button-text\"><strong>1<\/strong>. Description of the Lunch Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-3d5637a5\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-3d5637a5\">\n\n<p><strong>1.1<\/strong>. The Lunch Card is a prepaid Visa debit card that allows the Customer to pay for food and beverages by card in any Visa-affiliated food or beverage establishment, up to the balance available on the Lunch Card. If the purchase exceeds the available balance on the Lunch Card, payment will be refused. Cash withdrawals are excluded.<\/p>\n\n\n\n<p><strong>1.2<\/strong>. The Lunch Card is a prepaid card issued by Corn\u00e8rcard. It is linked to a card account of which the Customer is the sole holder.<\/p>\n\n\n\n<p><strong>1.3<\/strong>. The general terms and conditions of Corn\u00e8r Bank Ltd shall apply. Swibeco urges the Customer to take note of the general terms and conditions of Corn\u00e8r Bank Ltd, which are unconditionally applicable to the Customer and are enclosed with the Lunch Card when it is sent to the Customer by the bank.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-3568a6a1 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-e2ed54e6 gb-accordion__toggle\" id=\"gb-accordion-toggle-e2ed54e6\"><span class=\"gb-button-text\"><strong>2.<\/strong> Setting up the Lunch Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-30ce36ca\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-30ce36ca\">\n\n<p><strong>2.1<\/strong>. The Customer obtains a Lunch Card when their Employer has signed up for the Lunch Card Solution and has designated the Customer as a Lunch Card recipient.<\/p>\n\n\n\n<p><strong>2.2<\/strong>. At the request of the Customer\u2019s Employer, the Lunch Card is issued in the Customer\u2019s name and sent to the Customer by post from Corn\u00e8r Bank Ltd.<\/p>\n\n\n\n<p><strong>2.3<\/strong>. The Lunch Card is issued in the name of the Customer and is non-transferable.<\/p>\n\n\n\n<p><strong>2.4<\/strong>. Swibeco provides the Customer with the Lunch Card user guide which contains the terms and conditions for the management and use of the Lunch Card, explains how to check the available balance of the Lunch Card via an application (hereinafter referred to as the&nbsp;<strong>App<\/strong>), and how to block a stolen or lost Lunch Card.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-ac8576cd gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-b703b4c0 gb-accordion__toggle\" id=\"gb-accordion-toggle-b703b4c0\"><span class=\"gb-button-text\"><strong>3. <\/strong> Topping up the Lunch Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-ba977c25\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-ba977c25\">\n\n<p><strong>3.1<\/strong>. The Customer\u2019s Lunch Card is topped up exclusively by the Customer\u2019s Employer. Neither the Customer nor any third party is permitted to top up the Lunch Card.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-6844d6af gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-c94b047f gb-accordion__toggle\" id=\"gb-accordion-toggle-c94b047f\"><span class=\"gb-button-text\"><strong>4.<\/strong> Costs of the Lunch Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-023839f5\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-023839f5\">\n\n<p><strong>4.1<\/strong>. The costs of the Lunch Card are the subject of a contract between the Customer\u2019s Employer and Swibeco. They are invoiced directly to the Customer\u2019s Employer and not to the Customer. Any passing on of the Lunch Card costs from the Customer\u2019s Employer to the Customer is governed by the contract concluded between these parties.<\/p>\n\n\n\n<p><strong>4.2<\/strong>. Subject to agreements to the contrary between the Customer and the Customer\u2019s Employer, the cost of replacing a lost, stolen or damaged Lunch Card in the amount of CHF 20.- will be borne by the Customer and charged to the Customer\u2019s Lunch Card by Corn\u00e8rcard if the replacement request is made by the Customer or the Customer\u2019s Employer via Corn\u00e8rcard\u2019s customer service (rather than by direct notification to Swibeco\u2019s customer service).<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-418414e2 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-e7859a21 gb-accordion__toggle\" id=\"gb-accordion-toggle-e7859a21\"><span class=\"gb-button-text\"><strong>5. <\/strong>Other terms and conditions\/restrictions on the use of the Lunch Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-17c1e173\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-17c1e173\">\n\n<p><strong>5.1. <\/strong>The Customer is referred to the contract between them and their Employer concerning, in particular, the matters of the monthly amount allocated to the Lunch Card and any specific restrictions on the use of the Lunch Card imposed by the Employer, in addition to these T&amp;Cs and the general terms and conditions of Corn\u00e8r Bank Ltd.<\/p>\n\n\n\n<p><strong>5.2<\/strong>. In accordance with the general terms and conditions of Corn\u00e8r Bank Ltd, the Customer\u2019s attention is drawn in particular to the fact that the catering establishment may require the Customer to identify themselves as the holder of the Lunch Card.<\/p>\n\n\n\n<p><strong>5.3<\/strong>. In the event of inability to pay due to technical reasons or uncertainty as to the legitimacy of the Lunch Card holder, the catering establishment is entitled to refuse payment by means of the Lunch Card and may require the use of another means of payment. In the event that the catering establishment notifies Swibeco of any doubt as to the legitimacy of a Lunch Card holder, Swibeco and Corn\u00e8rcard each reserve the right to block the Lunch Card in question without informing the Customer in advance. In addition, the general terms and conditions of Corn\u00e8r Bank Ltd are reserved.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-67e83793 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-8ea5395c gb-accordion__toggle\" id=\"gb-accordion-toggle-8ea5395c\"><span class=\"gb-button-text\"><strong>6.<\/strong> Loss, theft or damage of the Lunch Card<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-358daaa0\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-358daaa0\">\n\n<p><strong>6.1. <\/strong>In case of loss, theft or damage of the Lunch Card, the Customer or their Employer can block the card in the App, or by contacting the HR department of their Employer. Alternatively, the Customer or their Employer can have the Lunch Card blocked directly on the emergency number of Corn\u00e8r Bank Ltd.<\/p>\n\n\n\n<p><strong>6.2. <\/strong>With regard to the costs of replacing the Lunch Card in the event of a direct request by the Customer or their Employer to Corn\u00e8r Bank Ltd, reference is made to clause 3.4.2 above.<\/p>\n\n\n\n<p><strong>6.3&nbsp;. <\/strong>The cost of replacing the Lunch Card, in the event that it is blocked directly by the Customer\u2019s Employer or by Swibeco\u2019s customer service, is governed by the contract between the Customer\u2019s Employer and Swibeco.<\/p>\n\n\n\n<p><strong>6.4. <\/strong>Upon receipt of the request to block the Lunch Card, Corn\u00e8r Bank Ltd will block the Lunch Card and, at the request of the Customer or the Customer\u2019s Employer, issue a replacement Lunch Card to which the credit available at the time of blocking the old Lunch Card will be transferred.<\/p>\n\n\n\n<p><strong>6.5<\/strong>. Swibeco may not be held responsible for technical outages or the damage or fraudulent use of the card.<\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Swibeco Perks &amp; Discounts Platform User Terms 01.01.2026 Your organization (the\u00a0Client) has subscribed to the\u00a0Swibeco Perks &amp;\u00a0Discounts\u00a0Platform\u00a0(the\u00a0Service\u00a0or\u00a0Platform).\u00a0 The&nbsp;Perks &amp;&nbsp;Discounts&nbsp;Platform&nbsp;enables you&nbsp;(User) to access and redeem exclusive&nbsp;Discounts, offers, and&nbsp;Flexible&nbsp;Benefits&nbsp;for a selection of goods and services within designated&nbsp;Benefit Categories.&nbsp;&nbsp; The&nbsp;Perks &amp;&nbsp;Discounts&nbsp;Platform&nbsp;enables you&nbsp;(User) to access and redeem exclusive&nbsp;Discounts, offers, and&nbsp;Flexible&nbsp;Benefits&nbsp;for a selection of goods and services within designated&nbsp;Benefit Categories.&nbsp;&nbsp; &#8230; <a title=\"General terms and conditions\" class=\"read-more\" href=\"https:\/\/www.swibeco.ch\/en\/terms-and-conditions\/\" aria-label=\"Read more about General terms and conditions\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":258,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4647","page","type-page","status-publish"],"acf":{"type_page":"site_officiel"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>General terms and conditions | Swibeco<\/title>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"General terms and conditions\" \/>\n<meta property=\"og:description\" content=\"Swibeco Perks &amp; Discounts Platform User Terms 01.01.2026 Your organization (the\u00a0Client) has subscribed to the\u00a0Swibeco Perks &amp;\u00a0Discounts\u00a0Platform\u00a0(the\u00a0Service\u00a0or\u00a0Platform).\u00a0 The&nbsp;Perks &amp;&nbsp;Discounts&nbsp;Platform&nbsp;enables you&nbsp;(User) to access and redeem exclusive&nbsp;Discounts, offers, and&nbsp;Flexible&nbsp;Benefits&nbsp;for a selection of goods and services within designated&nbsp;Benefit Categories.&nbsp;&nbsp; The&nbsp;Perks &amp;&nbsp;Discounts&nbsp;Platform&nbsp;enables you&nbsp;(User) to access and redeem exclusive&nbsp;Discounts, offers, and&nbsp;Flexible&nbsp;Benefits&nbsp;for a selection of goods and services within designated&nbsp;Benefit Categories.&nbsp;&nbsp; ... 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