As of: 2026-05-27 (Version 1.1) Provider: Jagoona GmbH, Am Baumgarten 5, 6314 Unterägeri, UID CHE-244.370.696, represented by Managing Director Michael Heilig with sole signatory authority — hereinafter “Provider” Platform: treuhander.ai
§1 Scope and Subject Matter
1.1
These General Terms and Conditions (GTC) apply to all contracts between the Provider and the Client for the use of the software platform treuhander.ai (hereinafter “Platform”). They become part of the contract upon conclusion of the subscription.
1.2
The Client is a company (legal entity, sole trader, partnership) or a self-employed natural person. The Platform is directed exclusively at businesses (B2B) and not at consumers within the meaning of Art. 40a CO.
1.3
Deviating conditions of the Client apply only if confirmed in writing by the Provider.
§2 Provider Services — Software Service, Not Fiduciary
2.1
The Provider makes available to the Client a software platform (Software-as-a-Service) that offers support in the capture, structuring, visualisation and evaluation of accounting data. Functions include in particular: document upload and automated classification, creation and management of accounts receivable/payable invoices, payment runs (ISO 20022), payroll runs, VAT declarations, financial reports and annual financial statements based on data uploaded by the Client.
2.2 Express Demarcation from Fiduciary, Tax and Legal Advisory Services
The Provider expressly does not provide fiduciary, bookkeeping, tax, legal or auditing services within the meaning of the Swiss Code of Obligations (CO, in particular Art. 394 et seq.), the Anti-Money Laundering Act (AMLA), VAT advisory services, self-regulatory organisations (SRO) or comparable professional regulations.
The Platform is a technical tool. Responsibility for the accuracy, completeness, legal compliance and tax conformity of the accounts lies exclusively with the Client or a specialist engaged by the Client (fiduciary, tax adviser, auditor).
2.3 AI Suggestions Are Proposals
The Provider uses artificial intelligence to generate suggestions for bookings, account coding, categorisations and voice interactions. All AI suggestions are non-binding proposals that must be reviewed and confirmed by the Client or their specialist before being posted in production. The Provider gives no warranty for the technical accuracy of individual AI suggestions.
2.4 Availability
The Provider aims for Platform availability of 99% on an annual average. Maintenance windows will be announced outside Swiss business hours where possible. No guaranteed service-level commitment is given.
2.5 Receipt Transmission — Available Channels and Responsibility
The Customer may transmit receipts to the Platform via the following channels: direct upload in the portal, dedicated e-mail address (<slug>@treuhander.ai), WhatsApp, or Telegram. The two messenger channels are not enabled by default and are activated per client separately.
Upon activation of a messenger channel, receipt contents are necessarily processed via the respective third-party provider (Meta Platforms Ireland Ltd. for WhatsApp / Telegram FZ-LLC for Telegram). By activating, the Customer consents to data transmission to this third-party provider according to Privacy Policy sections 5 and 5.3.
The Customer is solely responsible for selecting the data-protection-compliant transmission channel and for informing employees and third parties whose data is transmitted via messenger. For receipts containing particularly sensitive personal data of third parties (payslips, medical bills, social welfare documents etc.), the Provider recommends the e-mail channel or direct portal upload.
The Provider is not liable for data protection violations, outages or data loss on the part of third-party providers Meta or Telegram whose services were knowingly activated by the Customer.
§3 Registration, Client Obligations
3.1
Use of the Platform requires registration. The Client provides truthful information on company, address and contact person and keeps this up to date.
3.2
The Client is responsible for the security of their access credentials and the activities under their account.
3.3
The Client is obliged to: - not upload unlawful content, - not import data of third parties into the Platform without their consent where legally required, - not use the Platform for automated bulk queries, security scans without prior agreement or other abusive purposes.
3.4
The Client alone is responsible for compliance with all applicable laws, in particular tax, accounting, social security, data protection and VAT regulations.
3.5 Confidentiality of the Provider
The Provider treats all client data as a business secret within the meaning of Art. 162 CO and contractually obliges its employees and subprocessors to this standard. This confidentiality obligation applies indefinitely, also after contract termination. In case of culpable breach, the Provider is liable according to §8.
§4 Remuneration and Billing
4.1
Remuneration is based on the subscription package selected by the Client in accordance with the current price list at treuhander.ai.
4.2
Billing takes place monthly or annually in advance via the payment service provider Stripe.
4.3
In the event of late payment the Provider may suspend access to the Platform after prior written notice. Statutory consequences of default remain reserved.
4.4
Price adjustments are communicated to the Client at least 60 days before they take effect by e-mail. In the event of a price increase the Client has an extraordinary right to terminate on the date the increase takes effect.
§5 Voluntary 3-Month Money-Back Guarantee
5.1
By way of exception to the ordinary termination provisions (§7), the Provider grants as a goodwill gesture a voluntary money-back guarantee:
Within 3 months from the date of the first payment the Client may withdraw from the contract by informal e-mail to hello@treuhander.ai. In this case the Provider will refund in full the subscription fees paid to date.
5.2 Conditions
- The refund is made within 14 days to the payment method used for the original payment.
- The Client receives a complete data export before billing in the format of their choice (CSV, JSON, PDF reports) for free use.
- The guarantee applies once per client (identified by UID for legal entities or identity for individuals). Once the guarantee has been exercised, a new subscription is excluded unless special circumstances apply.
- The guarantee does not cover costs forwarded by the Provider to third parties (e.g. Stripe transaction fees) if these are not refunded by the payment service provider.
- The guarantee lapses in the event of gross contractual abuse (breach of §3.3, payment default, serial abuse).
5.3 Legal Nature
The voluntary money-back guarantee granted here is a goodwill arrangement and does not establish a statutory right of withdrawal. It is independent of any extraordinary right of termination (§7.3).
§6 Optional Additional Services
Additional services beyond standard Platform use (e.g. personal set-up support, manual closing review, individual consulting) are provided on the basis of separate agreements. Such additional services are not part of these GTC and are subject to separate pricing and liability provisions.
§7 Term and Termination
7.1
Contracts are concluded for an indefinite term unless otherwise agreed.
7.2 Ordinary Termination
The Client may terminate their subscription at the end of the current billing period (month or year) without stating reasons. Termination is made informally by e-mail or via the account settings.
7.3 Extraordinary Termination
The right of extraordinary termination for good cause is reserved for both parties.
7.4 Data Export after Contract End
After contract end the Client may export their data for 30 days. After that the data will be deleted subject to statutory retention obligations (see Privacy Policy Section 8).
§8 Liability
8.1
The Provider is liable without limitation for damage caused by intent or gross negligence as well as for injury to life, body or health (Art. 100 para. 1 CO — this liability is mandatory and cannot be excluded).
8.2
For slight negligence the Provider is liable only in the event of breach of material contractual obligations (cardinal obligations) and limited to the foreseeable, contract-typical damage. Liability for slight negligence is also limited in amount to the fees paid by the Client to the Provider in the 12 months preceding the occurrence of the damage.
8.3 Exclusion of Indirect Damage
The Provider is not liable for indirect damage, consequential damage, loss of profit, data loss resulting from failure by the Client to make backups or reputational damage, unless caused by intent or gross negligence.
8.4 No Liability for Results of Professional Advice
In accordance with §2.2, the Provider accepts no liability for the tax, accounting or employment law accuracy of financial statements, declarations and payslips prepared by the Client. This applies even if these were prepared on the basis of AI suggestions from the Provider.
8.5 No Liability in Cases of Force Majeure
Outages due to force majeure, third-party provider disruptions (Supabase, Infomaniak, Stripe, Anthropic, Mistral) or attacks (DDoS, supply-chain attacks) do not give rise to liability of the Provider, provided the Provider has taken appropriate and industry-standard protective measures.
§9 Data Protection
The processing of personal data of the Client and their employees is governed by our Privacy Policy and the Data Processing Agreement (DPA) concluded between the parties in accordance with Art. 9 revFADP / Art. 28 GDPR.
The Provider uses only subprocessors that are contractually bound to the same data protection standard. The current subprocessor list is available at treuhander.ai/legal/subprocessors.
§10 Intellectual Property
10.1
All rights in the software, the brand, the design elements and the documentation of the Platform remain with the Provider or its licensors. The Provider is authorised to grant these rights to the Client for use within the scope of this contract.
10.2
The Client receives for the duration of the contract a simple, non-transferable right of use for the contractual purpose.
10.3
The data entered by the Client into the Platform remains the Client's property. The Provider receives only the rights of use necessary for the performance of the contract (storage, processing, display).
§11 Amendments to These GTC
11.1
The Provider may amend these GTC for good reason (changes in law, changed services). Amendments are communicated to the Client at least 30 days before they take effect by e-mail.
11.2
If the Client does not object to the amended GTC within 30 days, they are deemed accepted. Otherwise the Client has an extraordinary right to terminate on the date the amendments take effect.
§12 Final Provisions
12.1 Applicable Law
Swiss law applies exclusively, to the exclusion of conflict of laws rules and the UN Convention on Contracts for the International Sale of Goods (CISG).
12.2 Jurisdiction
The exclusive place of jurisdiction is Zug, Switzerland (registered office of the Provider). The Provider is entitled to sue the Client at the Client's registered office.
12.3 Severability Clause
Should individual provisions of these GTC be invalid, this does not affect the validity of the remaining provisions. The invalid provision is replaced by the legally permissible rule that most closely corresponds to the commercial purpose.
12.4 Written Form
E-mail communication satisfies the written form requirement unless these GTC provide otherwise.
Acceptance
By registering on treuhander.ai the Client confirms having read and accepted these GTC and the Privacy Policy.