Terms and Conditions

4.1 AI-Assisted Features

The Platform may make AI Features available as part of one or more Services, modules or workflows. The availability, purpose and limits of each AI Feature are described in the applicable Subscription plan, Order Form, product interface or AI Transparency Notice. We may add, modify or remove AI Features from time to time in accordance with these Terms. The Platform also contains rule-based, classification, mapping and other automated or externally provided functions that are not treated as AI Features.

4.2 AI and External Processing Providers

AI Features and related document-processing steps may use third-party artificial-intelligence or document-processing services. The providers in use at any time, their processing activities, applicable locations and provider-side retention are identified in our AI Transparency Notice or current sub-processor list, as applicable. We shall notify You of an intended addition or replacement of a sub-processor in accordance with Section 5 of the Data Processing Agreement.

We reserve the right to modify, replace, or supplement the AI technologies used in the Services at any time, including by integrating other large language models (LLMs), whether provided by third parties or developed in-house. We shall notify You of any material change to the AI provider that affects the processing of Your Content.

4.3 Regulatory Classification

To the extent that Regulation (EU) 2024/1689 (the EU AI Act) or any other applicable AI regulation applies to the use of the Services, our current assessment is that the AI Features are not used for a practice prohibited under Article 5 of the EU AI Act, nor for a high-risk purpose listed in Annex III to that Regulation. Transparency obligations under Article 50 may apply differently depending on the particular feature, output and use. We review this assessment when a feature, model, intended purpose or regulatory requirement changes. We shall comply with the Council of Europe Framework Convention on Artificial Intelligence and Human Rights, Democracy, and the Rule of Law, as applicable to Switzerland.

4.4 Transparency

In accordance with Article 50 of the EU AI Act (applicable from 2 August 2026) and other applicable AI transparency obligations: (a) we provide transparency information and interface notices appropriate to the relevant AI Feature and its use, it being acknowledged that the Platform does not currently attach a separate machine-readable AI marker to ordinary text outputs; (b) we provide information on the general logic, purpose, and limitations of the AI Features in our product documentation and AI Transparency Notice available on our Website; and (c) where AI Features process Your Content, we ensure that such processing is conducted in a manner consistent with the principles of transparency, fairness, and accountability.

4.5 AI Usage

Access to AI Features is subject to the usage allowances or feature-specific limits applicable to Your Subscription plan or Order Form. Where usage is metered, the applicable unit, measurement period, current consumption, remaining allowance and reset information are displayed in the Platform sidebar or relevant feature interface. The following terms apply:

(a) Each AI Usage Allowance applies for the measurement period stated in Your Subscription plan, Order Form or relevant feature interface and resets at the end of that period. Unless expressly stated otherwise, unused allowance does not roll over to a later period and is forfeited without compensation.

(b) Where You reach the allowance or feature-specific limit applicable to You, the affected AI Feature or operation may become temporarily unavailable. Your access to the non-AI functionality of the Platform, and to Content and outputs already processed, is unaffected. Access may resume by waiting until the applicable limit resets, by obtaining Additional AI Usage or an increased limit through the Platform or by contacting us where that option is made available, or by upgrading to a Subscription plan with a higher allowance.

(c) Additional AI Usage or an increased limit may, where that option is made available, be obtained through the Platform or by contacting us, at the then-current rates published on the Website or otherwise notified to You. Additional AI Usage is non-refundable, is consumed only after the applicable included allowance has been exhausted and, unless otherwise stated at purchase, does not expire while Your Subscription remains in force.

(d) Your AI Usage Allowance and any Additional AI Usage are allocated to Your Account (i.e. the legal entity to which the Account belongs) and may not be transferred, sold, or shared with other Accounts or entities.

(e) We reserve the right to modify the AI Usage Allowance included in each Subscription plan and the pricing of Additional AI Usage, subject to the price change provisions in Section 6.7.

4.6 Use of Your Content by AI Features

By using an AI Feature, You instruct us to process the Content submitted to that feature as necessary to provide the requested functionality. Customer Content is not used to train or improve third-party general-purpose models unless You expressly authorise that use in writing. Prompts, outputs and related operational records are retained only as necessary to provide and secure the Services, follow Your documented instructions, meet contractual requirements or comply with applicable law, as further described in the Privacy Policy, Data Processing Agreement and AI Transparency Notice. We may use irreversibly de-identified and aggregated information to analyse and improve our Platform-specific features.

4.7 No Guarantee of Accuracy

You acknowledge and agree that AI-generated content may not be accurate, complete, or reliable. AI Outputs are generated algorithmically and are not a substitute for human review or professional judgement (including legal, medical, financial, or accounting advice). You are solely responsible for evaluating, reviewing, and verifying any AI-generated Output before relying upon or distributing it.

4.8 Identification of AI-Generated Content

Where required by applicable law, including the EU AI Act, You shall identify relevant content as having been generated or materially assisted by artificial intelligence when disclosing such content to third parties or in regulatory filings.

4.9 Human Oversight

The AI Features within the Platform are designed to support and augment, not replace, human decision-making. Human oversight varies by feature: some workflows present individual results for review, some permit multiple results to be accepted together, and some may save extracted or generated information directly into a Platform workflow. Regardless of the workflow, You must review the relevant source evidence and verify AI-assisted information before relying on it, publishing it, submitting it in a regulatory filing, or using it to make a professional decision. You are solely responsible for any decisions or actions taken based on AI-generated Output.

4.10 AI Literacy

To the extent required by applicable law, including Article 4 of the EU AI Act, we take measures to ensure a sufficient level of AI literacy among our staff involved in the development, deployment, and operation of AI Features. We encourage You to ensure that Your Authorised Users who interact with AI Features are appropriately informed about their capabilities and limitations.

4.11 Acceptable Use of AI Features

You agree not to use the AI Features: (a) for unlawful, discriminatory, abusive, or harmful purposes; (b) to submit other persons’ personal data or sensitive data without their explicit consent; (c) to process or generate data that violates intellectual property rights or data privacy regulations; (d) to bypass safety, security, or regulatory controls; (e) for high-risk or regulated decision-making without independent professional verification; or (f) to attempt to reverse engineer or misuse the underlying AI models. Users who do not respect proper conduct may be temporarily or permanently excluded from accessing AI Features at our sole discretion.

5.1 Available Plans

SME Plans (self-service via Stripe): (a) Free / Entry (the “Free Tier”); (b) Starter; (c) Growth; (d) Pro.

Financial Institution / Fund Plans (via Order Form): (a) Essential; (b) Advanced; (c) Premium and not eligible for a Trial Period.

The nature and scope of the Services, products, modules, features, number of Authorised Users, AI Usage Allowance, and the modules and data access included in Your plan depend on the Subscription plan You select. Full plan details are set out on the Website or in the applicable Order Form. We reserve the right to modify the plans and their features from time to time, subject to Section 6.7.

5.2 Trial Period (SME Plans)

Eligible SME users with a Freemium Account may activate a seven (7) calendar day trial of the functionality identified in the Platform at no charge (the “Trial Period”). A valid payment card must be added through Stripe before the Trial Period can be activated, but the card will not be charged merely because the Trial Period starts or ends. During the Trial Period, You may access the functionality described in the relevant trial interface. At the end of the Trial Period: (a) if You complete the purchase of a paid Subscription through the Platform, Your Account will be upgraded to the selected plan; or (b) if You do not complete a paid purchase, Your Account will return to or remain on the Freemium Plan with limited functionality. We shall notify You before the Trial Period expires.

5.3 Freemium Plan

The Freemium Plan provides access to a limited set of Platform features at no charge, as described in the Platform. It has no fixed expiry date and remains available until You upgrade to a paid Subscription or request Account deletion through the in-Platform support ticketing system or by emailing [email protected]. The Freemium Plan is provided “as is”, without service-level commitments, and may be subject to feature and usage limits stated in the Platform. It is not subject to the auto-renewal, price-adjustment or refund provisions applicable to paid Subscriptions. We may suspend or terminate access where reasonably necessary because of abuse, a security risk, breach of these Terms or a legal requirement. Passage of time or inactivity alone does not cause the Freemium Plan or Account to expire.

5.4 Add-Ons

Additional features, modules, integrations, user capacity or usage may be purchased as Add-Ons to a paid Subscription. Available Add-Ons and their pricing are displayed in the Platform, published on the Website or specified in an Order Form. Add-Ons are billed in accordance with Section 6 and are subject to the same Subscription Term as the underlying Subscription unless otherwise specified.

6.1 General

The Services are subject to Subscription Fees as set out on the Website or in the applicable Order Form. The Freemium Plan and Trial Period are provided at no charge. Subscription Fees for paid plans vary based on the plan, billing frequency, and any applicable Add-Ons.

6.2 Self-Service Subscriptions (via Stripe)

For self-service Subscriptions purchased through the Platform: (a) Subscription Fees are due and payable immediately at the time of purchase and at each renewal date. Fees are charged annually in advance and are processed through our third-party payment processor, Stripe, Inc. (“Stripe”). By providing a payment method (credit card or debit card), You authorise us (through Stripe) to charge the applicable Subscription Fees to that payment method immediately upon purchase and automatically at each renewal. Adding a payment card solely to activate a Trial Period does not itself authorise a Subscription charge. (b) You acknowledge that we do not store Your credit card or payment card details. All payment information is processed and securely held by Stripe in accordance with Stripe’s terms of service and privacy policy. We are not responsible for Stripe’s handling of Your payment information or any acts or omissions of Stripe. (c) Subscription Fees may be invoiced and paid in EUR, USD, or CHF, as specified at the time of purchase. The billing currency selected at the time of initial Subscription shall apply for the duration of the Subscription Term, unless otherwise agreed. (d) Additional AI Usage and Add-Ons purchased through the Platform are charged immediately at the time of purchase via the same payment method. (e) You shall maintain a valid, current, and duly authorised payment method throughout the Subscription Term, and shall promptly update Your payment details if they change, expire, or are cancelled. (f) Where Your bank or card issuer requires strong customer authentication (including 3-D Secure) in order to complete a renewal payment, You shall complete that authentication promptly. We shall send You an email containing a secure link enabling You to confirm the payment, followed by up to three (3) reminders. (g) Where a renewal payment fails for any other reason, we (through Stripe) may re-attempt the charge on one or more occasions and shall notify You by email of each failed attempt. (h) The consequences of a renewal payment that is not completed are set out in Section 6.8.

6.3 Financial Institution / Fund Subscriptions (via Order Form)

For financial institution and fund Subscriptions: (a) the Services, available functionality, Subscription Fees, payment terms, billing currency and payment method shall be set out in the applicable Order Form; (b) unless otherwise specified in the Order Form, invoices are due and payable within thirty (30) days of the invoice date by bank transfer to the account specified on the invoice; and (c) the applicable Order Form may contain terms that differ from these Terms, in which case the Order Form shall prevail to the extent of the conflict. Access to AI Features is available only where expressly included in the applicable Order Form or separately agreed in writing.

6.4 Reseller Purchases

If You purchase the Services through an authorised reseller, payment terms are determined between You and the reseller. We may share certain information about Your Account and purchases with the reseller as permitted by these Terms. Your use of the Services remains subject to these Terms regardless of how You purchased.

6.5 Annual Price Adjustment

Unless otherwise specified in the applicable Order Form, Subscription Fees shall be subject to an annual adjustment at each renewal. The annual adjustment shall be the greater of: (a) the percentage change in the Swiss Consumer Price Index (CPI) as published by the Swiss Federal Statistical Office over the twelve (12) months proceeding the applicable adjustment date; or (b) one percent (1%). In no event shall the annual adjustment exceed five percent (5%) in any single renewal period. We shall notify You of the adjusted Subscription Fees at least thirty (30) days prior to the start of the renewed Subscription Term.

6.6 Taxes

All Subscription Fees are exclusive of applicable taxes, including value-added tax (VAT), goods and services tax (GST), sales tax, and any other applicable taxes or duties. You shall be responsible for all such taxes, except for taxes imposed on our net income. We will add applicable taxes to Your invoice or charge where required by law.

6.7 Price Changes and Add-On Pricing

Beyond the annual adjustment described in Section 6.5, we may change the Subscription Fees or Add-On pricing, provided that: (a) any change shall not take effect until the expiration of Your then-current Subscription Term; and (b) we shall notify You of any price change at least thirty (30) days prior to the start of the next Subscription Term. If You do not agree to the revised fees, You may cancel Your Subscription in accordance with Section 7.3.

6.8 Late Payment, Suspension, and Recovery

If any invoiced amount is not received by us by the due date, such overdue amounts may, without the need for notice of default, accrue interest at the rate of eight (8) percentage points per annum above the main refinancing rate of the European Central Bank in force on the first day of the calendar half-year in which the payment fell due, or the maximum rate permitted by applicable law, whichever is lower.

(a) Recovery compensation. In addition to interest, we shall be entitled, without the need for a reminder, to a fixed sum of forty Swiss francs (CHF 40), or the equivalent amount in the billing currency of the invoice, in respect of each overdue invoice, as compensation for our recovery costs. This is without prejudice to our right to recover the reasonable costs of recovery exceeding that sum, including third-party collection agency fees and legal fees.

(b) Self-service Subscriptions. Where a renewal payment is not completed within fifteen (15) days of the renewal date, whether because the payment has not been authenticated in accordance with Section 6.2(f) or because all payment attempts have failed, Your Subscription may be marked as unpaid and we may suspend or restrict Your access to the Services. The corresponding invoice shall remain outstanding and payable.

(c) Enterprise and Financial Institution Subscriptions. Where an invoice remains unpaid thirty (30) days after its due date, we shall be entitled to suspend or restrict Your access to the Services, provided that we have first given You not less than ten (10) business days prior written notice and the amount remains outstanding upon expiry of that notice period.

(d) Reinstatement. Access suspended under this Section 6.8 shall be reinstated promptly upon receipt of all outstanding amounts. Suspension under this Section shall not extend the Subscription Term, and no credit or refund shall be due in respect of any period of suspension attributable to non-payment.

(e) Debt recovery. Where any amount remains outstanding forty-five (45) days after its due date in the case of a self-service Subscription, or sixty (60) days after its due date in the case of an Enterprise or Financial Institution Subscription, we may, having given You not less than ten (10) business days prior written notice, refer the outstanding debt to a third-party debt collection agency or to legal counsel for recovery. You shall bear the reasonable costs of such recovery. We shall disclose to any such agency only such data as is necessary for the purpose of recovering the debt, in accordance with our Privacy Policy and applicable data protection law.

(f) Termination. Where any amount remains outstanding sixty (60) days after its due date, we may terminate Your Subscription in accordance with Section 7.4, without prejudice to our right to recover all sums due.

6.9 Refunds

Except as expressly provided in these Terms or as required by applicable law, all amounts paid are non-refundable. Additional AI Usage and Add-Ons are non-refundable once purchased. In the event of termination by us or due to our uncured material breach, we shall refund any prepaid fees on a pro-rata basis for the unused portion of the then-current Subscription Term.

6.10 Chargebacks and Payment Disputes

If You believe that any amount charged to You is incorrect, You shall notify us at [email protected] within thirty (30) days of the date of the charge, and we shall investigate the matter in good faith. You agree to raise any such query with us before initiating a chargeback or payment dispute with Your bank or card issuer. Where a chargeback or payment dispute is initiated in respect of an amount properly due under these Terms, we may: (a) suspend or restrict Your access to the Services pending resolution; (b) recover from You the amount of the chargeback together with any fees charged to us by Stripe or by the relevant card scheme; and (c) treat the matter as a material breach for the purposes of Section 7.4. Nothing in this Section limits any mandatory statutory right available to You.