Terms & Conditions

Valid from November 2025

Under Swiss Law

Art. 1 Scope of Application

These Terms & Conditions apply to all contracts for the delivery of digital content concluded between Winify AG, Switzerland (hereinafter "Provider") and the customer (hereinafter "Customer").

Deviating conditions of the Customer are not recognized unless the Provider expressly agrees to their validity in writing.

These Terms & Conditions are subject to Swiss law, excluding the UN Convention on Contracts for the International Sale of Goods (CISG).

Art. 2 Conclusion of Contract

The presentation of products in the online shop does not constitute a legally binding offer, but a non-binding offer according to Art. 3 Swiss Code of Obligations.

Order Process:

  1. Selection of the desired product
  2. Registration or login
  3. Entry of payment details
  4. Review and confirmation of the order
  5. Receipt of order confirmation by email

The contract is concluded upon receipt of the order confirmation by email (Art. 1 para. 1 Swiss Code of Obligations).

Art. 3 Prices and Payment

All prices are in Swiss Francs (CHF) or Euros (EUR), depending on the customer's location. Value added tax is shown in accordance with applicable regulations.

VAT Regulations:

  • Switzerland: 2.5% VAT (reduced rate for e-books)
  • Germany: 7% VAT (reduced rate)
  • Austria: 10% VAT (reduced rate)
  • Other EU countries: According to local VAT rates

For turnover under CHF 100,000 per year, no VAT is shown (small business regulation according to Art. 10 para. 2 Swiss VAT Act).

Available Payment Methods:

  • Credit Card (Visa, Mastercard, American Express)
  • SEPA Direct Debit
  • PayPal

Payment is processed via the payment service providers Stripe and PayPal. The purchase price is due upon conclusion of the contract.

Art. 4 Delivery of Digital Content

After successful payment, you will receive immediate access to the purchased digital content via your user account.

Included Services:

  • E-book in 3 formats (PDF, EPUB, MOBI)
  • Access to 40 interactive financial tools
  • Lifetime access to your user account
  • Free updates

All downloads contain a digital watermark with your customer ID to prevent unauthorized distribution.

Art. 5 Right of Return

No Statutory Right of Return in Switzerland

Swiss law does not provide for a statutory right of withdrawal or right of return for online commerce. This was discussed and rejected in the Council of States and National Council.

Any voluntary right of return expires upon download of the digital content. The contract is fully fulfilled upon provision of the downloads.

Warranty for Defects:

In case of technical defects or if the service was not provided as agreed, you are entitled to statutory warranty rights according to Art. 197 ff. Swiss Code of Obligations. In this case, please contact us at: info@programmed-money.com

For EU Customers:

Customers from EU countries have a 14-day right of withdrawal according to EU Directive 2011/83/EU. However, this expires upon download of the digital content, provided you have expressly consented to immediate provision and confirmed that you thereby lose your right of withdrawal.

Art. 6 Usage Rights and Copyright

With the purchase, you acquire a simple, non-transferable right of use for private use according to Art. 10 Swiss Copyright Act.

Not Permitted:

  • Transfer to third parties (Art. 12 Swiss Copyright Act)
  • Public distribution (Art. 10 para. 2 Swiss Copyright Act)
  • Commercial use
  • Reproduction beyond private use
  • Removal or manipulation of the watermark

Violations of copyright can be prosecuted under criminal and civil law (Art. 67 ff. Swiss Copyright Act).

Art. 7 Liability

The Provider is liable according to the provisions of the Swiss Code of Obligations.

Scope of Liability:

  • Intent and gross negligence: Unlimited liability (Art. 100 para. 1 Swiss Code of Obligations)
  • Slight negligence: Liability only for breach of essential contractual obligations, limited to typically foreseeable damage
  • Auxiliary persons: Liability for auxiliary persons according to Art. 101 Swiss Code of Obligations

Liability for indirect damages and consequential damages is excluded to the extent legally permissible.

Important Notice: The information contained in this product is for educational purposes only and does not constitute investment advice. The Provider assumes no liability for financial decisions made on the basis of the information provided.

Art. 8 Data Protection

The protection of your personal data is important to us. We process your data in accordance with the provisions of the Swiss Data Protection Act (DSG) and the EU General Data Protection Regulation (GDPR), where applicable.

Detailed information on data processing can be found in our Privacy Policy.

Art. 9 Applicable Law and Jurisdiction

All legal relationships between the Provider and the Customer are governed by Swiss law, excluding the UN Convention on Contracts for the International Sale of Goods (CISG).

The exclusive place of jurisdiction for all disputes is the registered office of the Provider in Switzerland, unless mandatory legal provisions provide otherwise.

For consumers from EU countries, the mandatory consumer protection provisions of their country of residence apply.

Art. 10 Disclaimer and Limitation of Liability

Educational and Informational Purpose Only

The content of this book and all associated modules serve exclusively educational and informational purposes. The information provided does not constitute financial advice, investment advice, trading advice, or any other type of professional advice.

No Financial Advice: The Provider and author expressly disclaim any responsibility for financial decisions made by readers based on the content. Every reader is different, and individual circumstances vary. The responsibility for all financial decisions lies solely with the reader.

No Guarantee of Results: The Provider makes no guarantees, warranties, or representations regarding the accuracy, completeness, or suitability of the information provided. Past performance or examples mentioned in the book do not guarantee future results.

Professional Consultation: Readers are strongly advised to consult with qualified financial advisors, tax professionals, or legal experts before making any financial decisions. The content should not replace professional consultation.

Limitation of Liability: To the fullest extent permitted by law, Winify AG and the author shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use or inability to use the content, including but not limited to financial losses, lost profits, or business interruption.

Indemnification: By using this product, the Customer agrees to indemnify and hold harmless Winify AG, its officers, directors, employees, and the author from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from the Customer's use of the content or any decisions made based on it.

The Customer acknowledges that they have read, understood, and accepted this disclaimer and assumes all risks associated with the use of the provided information.

Art. 11 Severability Clause

Should individual provisions of these Terms & Conditions be or become invalid, this shall not affect the validity of the remaining provisions. The invalid provision shall be replaced by a valid one that comes closest to the economic purpose of the invalid provision.

Contact

Winify AG

Switzerland

Email: info@programmed-money.com

Website: www.programmed-money.com

Last updated: November 2025

These Terms & Conditions may be changed at any time without prior notice. The version valid at the time of conclusion of the contract shall apply.