1. Scope of Application
These General Terms and Conditions (GTC) apply to all contracts concluded via the website of LEVATUS AG (hereinafter “we” or “us”) between LEVATUS AG and our customers. Customers within the meaning of these GTC include both consumers and entrepreneurs. Customers of LEVATUS AG are made aware of the General Terms and Conditions in writing upon signing the contract and confirm by signing that they have read and understood them.

2. Subject of the Contract
2.1 LEVATUS AG offers services in the areas of debt counseling, debt restructuring, and financial management. The specific scope of services is outlined in the respective service descriptions on our website or in individual agreements between LEVATUS AG and the customer.
2.2 A contract is concluded when the customer accepts an offer from LEVATUS AG. Acceptance can be made in writing, electronically, or orally.

3. Conclusion of Contract
3.1 The presentation of our services on the website does not constitute a legally binding offer but an invitation to submit an offer by the customer.
3.2 By booking our services through our website or by direct contact, the customer submits a binding offer to conclude a contract. The contract and thus the booking of the service is concluded as soon as it is signed by both parties.

4. Prices and Payment Terms
4.1 The prices listed on our website are exclusive of statutory VAT, unless otherwise stated.
4.2 The customer is obliged to pay the agreed price within the agreed period. Unless otherwise agreed, payment is due upon receipt of the invoice.
4.3 If the customer is in default of payment, we are entitled to charge default interest of 5 percentage points above the respective invoice amount. If the customer is an entrepreneur, the default interest rate is 9 percentage points above the outstanding invoice amount.

5. Scope of Services and Obligations of the Customer
5.1 LEVATUS AG provides the agreed services with the utmost care and to the best of its knowledge and belief.
5.2 The customer is obliged to provide us with all the information and data necessary for the provision of the services in a timely and complete manner.
5.3 The customer is obliged to inform us immediately of any significant circumstances that could be relevant to the execution of the contract.

6. Right of Withdrawal for Consumers
6.1 Consumers have the right to withdraw from the contract within 14 days without giving any reason.
6.2 The withdrawal period is 14 days from the date of conclusion of the contract. To exercise the right of withdrawal, the customer must inform us (LEVATUS AG, Gurzelenstrasse 31, 2502 Biel Bienne, info@levatus.ch) of their decision to withdraw from the contract by means of a clear statement (e.g., a letter sent by post or email).
6.3 To meet the withdrawal deadline, it is sufficient that the customer sends the notice of the exercise of the right of withdrawal before the withdrawal period expires.

7. Liability
7.1 According to the contract, LEVATUS AG does not assume any liability or responsibility for the customer’s debt obligations to creditors.
7.2 For other damages, we are only liable if they result from intentional or grossly negligent breach of duty or from culpable breach of a material contractual obligation.
7.3 In cases of slight negligence, our liability for the breach of material contractual obligations is limited to foreseeable, typical damages.
7.4 Any further liability is excluded.

8. Costs and Fees
8.1 The costs and fees vary with each assignment individually. In general, the figures and terms stipulated in the contract apply. LEVATUS AG reserves the right to charge the customer 15% of the forgiven amount in the case of debt forgiveness. All further costs and fees are fixed in the contract and are legally binding with the date and signature of both parties.

9. Confidentiality and Data Protection
9.1 We commit to treating all information disclosed by the customer in connection with the contractual relationship confidentially and using it only for the fulfillment of the contract.

10. Termination and End of Contract
10.1 The contract may be terminated by LEVATUS AG without notice due to the customer’s non-compliance with the contractual terms.
10.2 A significant reason for termination exists in particular if the customer fails to meet their cooperation obligations despite a warning or falls into arrears with due payments.
10.3 After the termination of the contract, both parties are obliged to return or delete all documents and information received during the contractual relationship unless there is a legal obligation to retain them.

11. Final Provisions
11.1 The place of jurisdiction for all disputes arising from contractual relationships between the customer and LEVATUS AG is the registered office of LEVATUS AG or a location chosen by us.
11.2 Should individual provisions of these GTC be or become invalid in whole or in part, the validity of the remaining provisions shall remain unaffected. LEVATUS AG is not obliged to proactively notify changes to the General Terms and Conditions.
These General Terms and Conditions are valid as of 01.09.2024.