Terms governing the use of the Wealth4Life platform.
These General Terms and Conditions (hereinafter “GTC”) govern the contractual relationship between Wealth4Life AG, Wilenstrasse 24, CH-8832 Wilen bei Wollerau, Switzerland (hereinafter “Provider”) and the user (hereinafter “User”) regarding the use of the platform and services made available at www.wealth4.life (hereinafter “Service”).
By registering for and using the Service, the User accepts these GTC in full. Any conflicting terms of the User apply only if expressly acknowledged by the Provider in writing.
The Service provides a software-based platform for creating individual financial planning scenarios (income, pensions, taxes, real estate, etc.). The functional scope is described on the Provider’s website. The Provider continuously develops the Service and may adapt, replace or discontinue features. Changes that significantly impair the essential functional scope of a paid subscription are made only for objective reasons; in that case, the User may terminate the subscription early and will be refunded the fee attributable to the remaining term on a pro-rata basis.
Important notice: The Service is solely a software tool that allows the User to model financial scenarios independently. All calculations, results, texts and notes are of a general nature and do not replace individual investment, tax, pension or legal advice from an appropriately qualified professional. Results are based on assumptions entered by the User as well as on statutory and statistical reference data, the timeliness and completeness of which cannot be guaranteed.
The User is responsible for assessing the results and for the financial decisions based on them. The Provider’s mandatory statutory liability remains reserved.
Certain features of the Service generate content using artificial intelligence (e.g. the chat assistant, automatically generated report prose). Such content is produced by machine, may be inaccurate or incomplete despite due care, and forms part of the software tool — it is not advice. The Privacy Policy applies to the processing of personal data involved.
Registration is required in order to use paid features. The User undertakes to provide truthful and complete information and to keep it up to date. Access credentials must be kept confidential. The User is responsible for activities under their account to the extent that they are attributable to the User’s sphere of responsibility, and must inform the Provider without delay if unauthorised use of the account is suspected.
Use of the Service requires the User to be at least 18 years of age and to have full legal capacity.
Prices for paid subscriptions are set out in the price list published on the website. All prices are quoted in Swiss francs (CHF) and, where applicable, include statutory VAT. The total price shown in the ordering process is decisive.
Paid subscriptions are paid in advance for the selected term and do not renew automatically. The User is notified in good time before expiry of the option to renew. If no renewal takes place, the account is downgraded to the free feature set after a grace period; data entered by the User is retained. The Provider may adjust prices for future subscription periods; the price published at the time of purchase applies. Amounts already paid will, to the extent permitted by law, not be refunded in the event of early termination by the User.
As a rule, there is no statutory right of withdrawal under Swiss law for purchases concluded via the platform.
Discount and promotional codes: Discount and promotional codes may be redeemed during the ordering process. At most one code may be redeemed per purchase; combining multiple codes is excluded. Unless stated otherwise, codes may be redeemed only once per user, are non-transferable and are neither paid out in cash nor interest-bearing. In the event of misuse, the Provider may block codes and reverse any benefits obtained.
In particular, the User undertakes to:
If the User publishes their own content on the platform (in particular blog posts and images), the User warrants that they hold the necessary rights and that no third-party rights are infringed. The User grants the Provider a free-of-charge, non-exclusive right to publish and display this content on the platform. Publication takes place after approval by the Provider; the Provider may reject or remove content at any time without stating reasons. The respective author remains responsible for the content. If the User culpably infringes third-party rights or statutory provisions, the User shall, to the extent permitted by law, indemnify the Provider against justified third-party claims resulting therefrom.
The Provider strives to maintain a high level of availability but does not warrant uninterrupted or error-free operation. Maintenance, updates and incidents may result in temporary restrictions. The Provider may modify, discontinue or extend individual features at any time.
The Service is provided “as is”; no warranty is given for uninterrupted or error-free operation.
The Provider’s liability is unlimited to the extent that a limitation of liability is not permitted by law, in particular in cases of wilful intent and gross negligence and for damages arising from injury to life, body or health. In cases of slight negligence, the Provider is liable only for direct and foreseeable damages; in that case, liability is limited to the amount of fees actually paid by the User for the Service in the preceding twelve months.
To the extent permitted by law, liability is excluded for:
All rights to the software, source code, design, texts, graphics, trademarks and other content of the Service belong exclusively to the Provider or its licensors. The User receives a non-exclusive, non-transferable right of use within the scope of these GTC. Editing, reproduction, publication or distribution requires prior written consent.
The rights to content and data entered by the User remain with the User or the respective rights holders. The processing of personal data is governed by the Privacy Policy. The User grants the Provider the usage and processing rights required to provide the Service.
The separate Privacy Policy applies to the processing of personal data.
The User may terminate their account at any time via the platform or by written notice to the Provider. The Provider may terminate the contractual relationship without notice and block access in the event of breaches of these GTC or other good cause; in that case, amounts already paid will not be refunded. If the Provider discontinues the Service or terminates the contractual relationship without cause attributable to the User, the fee prepaid for the remaining term will be refunded pro rata. The User may export their entered data, or request its delivery, in a common electronic format during the contract term and within 30 days after the end of the contract.
The Provider may amend these GTC at any time. Material changes will be communicated to the User in advance in an appropriate form (e.g. by email or a notice within the platform) and with reasonable notice. If the User does not agree with a material change, the User may terminate the contractual relationship extraordinarily with effect from the date the change takes effect; in that case, any fee prepaid for the remaining term will be refunded pro rata. Continued use of the Service after the changes take effect constitutes acceptance.
Should any provision of these GTC be wholly or partially invalid or unenforceable, the validity of the remaining provisions shall not be affected.
Swiss law applies, to the exclusion of its conflict-of-laws rules and of the United Nations Convention on Contracts for the International Sale of Goods (CISG). For consumers, the mandatory statutory places of jurisdiction apply. In all other cases, the exclusive place of jurisdiction is the registered seat of Wealth4Life AG.
Last updated: August 2026