GENERAL TERMS AND CONDITIONS TOWARDS CUSTOMERS

These General Terms and Conditions (hereinafter 'GTC') govern the business relationship between you as a private customer and alletta sales platform ag (hereinafter 'alletta'). This business relationship also includes the use of the platform and the portal.

For better readability, alletta refrains from using masculine-feminine double forms and the polite form 'you' in this document, in all other contractual documents with the customer and on the platform and the portal. alletta takes the liberty of addressing you as a sign of closeness and appreciation.

By using the platform you agree to these terms and conditions.

alletta provides you with additional services on the platform. The advice and mediation is also digitally supported as part of a guided self-counseling.

The potential service partners are selected by alletta, which can make a pre-selection of the products offered. This helps to make the consultation simpler and easier to understand.

alletta provides you with a portal where you can access brokered insurance, insurance policies, brokered services, cashback information and information about the Member get Member program and other topics. Note that we will only provide you with those documents that we have received from the insurance and service partners or that are uploaded by you.

You can benefit from a Member get Member program. If you recommend alletta to others and this successfully leads to a referral (conclusion of an insurance policy or a service), alletta will credit your cashback account. You can find the current conditions for this on alletta.ch.

• You can use the main functions of the platform only if you register for the portal.
• When registering, you provide complete, truthful information. This is also important for you to avoid mistakes and errors in self-counseling.
• You are conscious and safe with your password.
• You always keep your registration data up to date.

The use of the platform services and the portal is free of charge.

A part of the mentioned compensation will be passed on to you by alletta as cashback. You have also earned this through self-counseling, obtaining documents and more.

The respective cashback amounts will be shown to you by alletta during the self-counseling.

In your portal, alletta maintains a personal cashback account for you. There you will find out how much cashback you have earned and how much of it is still available for you. You have two options for the available amount: You can have the amount (or part of it) transferred to your bank account, or you can donate the amount (or part of it) from alletta to a charity organization. Such charitable organizations have been evaluated and selected by alletta.

Other conditions

alletta can pay you your contribution only insofar as, or to the extent that, it receives compensation from its insurance and service partners. Specifically, this means:

• Your cashback account will be credited when alletta has received the payment from the partner). If the amount is not used within 365 days, the claim expires.
• The credit is given with the expectation that you will sign up for the products for a minimum term and not cancel early. Otherwise, upon alletta's request, you will be obligated to refund all or part of the cashback associated with that product:
• Health Insurance:
• Basic insurance: no cashback
• Supplementary insurances: Contract duration 3 years,
  - 100% reimbursement in case of cancellation of the contract within the first 13 months,
  - 50% reimbursement in case of contract cancellation within the first 14 to 25 months.
• Legal protection insurances:
• Supplementary insurances: Contract term 3 years,
  - 100% refund in case of cancellation within the first 13 months,
  - 50% reimbursement in case of cancellation of the contract within the first 14 to 25 months

You accept that all communication between you and alletta will take place exclusively via digital channels. This includes all communications, documents and information.

If you provide us with your mobile phone number as part of an inquiry or contract conclusion, you agree that we may use this number to communicate and process your request via the WhatsApp service. This consent also includes the associated data processing by the provider of the messenger service in accordance with its privacy policy.

alletta processes personal data in accordance with the privacy policy, which is available on alletta.ch. By using the platform and the portal, you agree to this processing.

• alletta is committed to ensuring that the platform provides high quality and accurate information. However, it makes no express or implied warranty as to the availability, reliability, accuracy or completeness of the services or information on the platform.
• alletta shall not be liable for any damages arising from the use of the platform or the services, except in cases of gross negligence or intent on our part.
• alletta acts as an intermediary for insurances and services. For your relationship with the respective insurance and service providers, the relevant contractual documents, including insurance applications and insurance terms and conditions, are essential.
• Any liability on the part of alletta for indirect or consequential damages, lost profits or consequential damages is excluded to the extent permitted by law.
• You must fill out all information on the platform including the health declaration and other contract contents correctly and comprehensively. Incomplete or false information is considered a breach of the duty of disclosure. As a consequence, termination of the contract or exclusion of benefits may be pronounced.

You may terminate your relationship with alletta at any time via the portal. The deletion of the user account is done according to the instructions available on the platform.

alletta reserves the right to terminate the business relationship with a user at any time or to block access to the platform if a violation of these GTC is detected or for other important reasons.

If any provision of these GTC is or becomes invalid in whole or in part, this shall not affect the validity of the remaining provisions. The invalid provision shall be replaced by a valid provision that comes as close as possible to the economic purpose of the invalid provision.

These GTC are subject to Swiss law. The place of jurisdiction for all disputes in connection with these GTC is Rothrist.

These GTC may be changed or updated by alletta. You will be informed of any changes, and your use of the platform after notification of the changes will be deemed to constitute your acceptance of the amended GTC. It is your responsibility as a user to review the TOS regularly.

(Last updated September 2023)