General terms

Eligibility and lawful use

Services are intended for natural persons who are legally competent and for organisations engaging RenteMaxRat for the benefit of retired clients. Users must not use the services for unlawful, fraudulent, or harmful purposes.

Clients must be of legal age in their jurisdiction to enter into a contractual relationship. RenteMaxRat focuses its services on retirees and pensioners; engagements should reflect that client profile.

Use of our services must comply with Swiss and applicable international law. Any use that undermines legal processes, privacy rights, or public order is prohibited.

RenteMaxRat provides services from Switzerland and may limit service availability in jurisdictions where local regulations prevent lawful provision. Clients are responsible for compliance with their local laws.

Client account and records

Where account creation or client onboarding is required, clients must provide accurate identifying information and documentation necessary for legal and regulatory compliance.

Clients must ensure that the information provided to RenteMaxRat is truthful, complete, and kept up to date. Incorrect data may affect the quality of advice and the legal validity of any actions taken on a client’s behalf.

Clients are responsible for maintaining the confidentiality of any account credentials and for notifying RenteMaxRat if they suspect unauthorized access. We implement security measures but cannot accept liability for client-side compromises.

Account credentials and client-specific access rights are personal and non-transferable unless explicitly agreed in writing by RenteMaxRat.

If you believe your account or records have been compromised, notify us immediately by phone or email so we can take protective steps and contribute the event.

RenteMaxRat may suspend access to services where required to protect client data, comply with legal obligations, or address suspected misuse. We will communicate reasons where disclosure is lawful.

Scope of services

RenteMaxRat provides legal advice, document review, representation coordination, and retirement planning consultation focused on pension rights, estate matters, and long-term care planning for retired clients in Switzerland.

We may modify the scope or delivery method of services to reflect regulatory updates or operational improvements. Substantial changes that materially affect ongoing engagements will be communicated in writing.

Service availability may be affected by resource constraints, public holidays, or exceptional circumstances. We endeavor to maintain continuity and will notify clients of any disruption affecting agreed timelines.

Client conduct and accepted use

Clients are expected to engage professionally and lawfully. The following rules govern acceptable conduct when interacting with RenteMaxRat and our platforms.

• Provide accurate information and promptly disclose material changes relevant to advice or representation.
• Refrain from submitting fraudulent documents, misleading information, or intentionally deceptive communications.
• Respect staff and third parties; abusive or threatening behavior may result in termination of services.
• Use provided advice only for lawful purposes and in accordance with instructions provided by qualified RenteMaxRat advisors.
• Comply with agreed payment terms and cooperate in scheduling meetings and provision of necessary documentation.
• Do not attempt to bypass security measures or access restricted parts of our systems.
• Report suspected breaches, errors, or unauthorized activity to RenteMaxRat promptly to enable remedial action.

User-provided information and documents

Clients may submit documents, case details, and other material necessary for legal review. Such submissions are subject to these terms and our privacy practices.

Clients retain ownership of original documents they provide. By submitting materials, you assert you have the right to share them with RenteMaxRat for the purpose of receiving legal services.

By providing content, you grant RenteMaxRat a limited, non-exclusive license to use the material solely for the purpose of delivering legal advice, preparing documents, or representing your interests as agreed.

Clients are responsible for the accuracy and lawfulness of submitted content. RenteMaxRat is not liable for third-party claims arising from materials you supply that infringe rights or contain falsehoods.

Requests to remove or return client-provided materials will be handled in accordance with retention obligations and professional rules; some records may be retained as required by law or practice regulations.

Intellectual property

All intellectual property rights in materials created by RenteMaxRat, including templates, legal analyses, and guidance texts, remain the property of RenteMaxRat unless otherwise agreed in writing.

• Do not copy, reproduce, or redistribute RenteMaxRat proprietary materials without written permission.
• Client-specific documents created for a particular engagement may not be used by third parties without consent.
• Attribution may be required where content is republished; licensing terms will be provided on request.

Paid services and billing

Certain services provided by RenteMaxRat are fee-based. Fees will be communicated in writing prior to engagement, reflecting the nature and complexity of the work.

Pricing is based on hourly rates, fixed-fee arrangements, or project-based fees as agreed. Estimates are provided to assist planning but may be adjusted for unforeseen complexity.

Payments are due in accordance with the invoice terms. Accepted payment methods and invoicing schedules will be specified in engagement letters or fee agreements.

Where subscription or retainer arrangements are offered, terms will describe scope, renewal, and termination conditions, including notice periods for cancellation.

Refunds, if applicable, are handled on a case-by-case basis consistent with services rendered and applicable professional obligations. Refunds will not be issued for services already executed in full.

Clients may cancel engagements subject to any notice period specified in the engagement agreement. Fees for work performed up to cancellation will remain payable.

Clients are responsible for applicable taxes related to fees. RenteMaxRat will include applicable taxes on invoices where required by law.

RenteMaxRat may adjust fees to reflect cost changes or regulatory requirements. Existing fee agreements will be honored unless otherwise agreed; changes for future services will be notified in advance.

Failure to pay may result in suspension of services, recovery proceedings, and interest on overdue amounts as permitted by law and the engagement terms.

Professional disclaimer

Information provided by RenteMaxRat is for the purpose of legal advice and should be relied upon only in the context of a formal engagement. General information on the website does not constitute a full legal opinion specific to any individual case.

Limitation of liability

To the extent permitted by law, RenteMaxRat’s liability for direct loss arising from professional services is limited to reasonable sums agreed in the engagement, taking into account the scope and nature of the work. We do not accept liability for indirect or consequential losses except where mandatory law provides otherwise.

Third-party services

RenteMaxRat may engage third-party specialists or service providers (e.g., tax advisors, notaries) when necessary. We exercise care in selecting partners but are not liable for their independent acts except to the extent set out in contractual arrangements.

Termination of services

Either party may terminate an engagement in accordance with the terms of the engagement letter or applicable law. Termination does not affect accrued rights, including payment for work performed.

Upon termination, RenteMaxRat will cease work, provide an accounting of services rendered, and return or store client materials as agreed, subject to retention obligations for legal and professional reasons.

Privacy and data protection

RenteMaxRat processes client personal data in accordance with the privacy policy. Data is used to provide legal services, comply with legal obligations, and for legitimate business purposes where necessary and proportionate.

Communications and notifications

Formal notices should be sent to RenteMaxRat’s registered address. Routine communications may be conducted by email or telephone. Clients consent to electronic communications unless otherwise stated in the engagement agreement.

Changes to terms

We may update these terms to reflect legal or operational changes. Material changes affecting client rights or obligations will be notified directly to affected clients where feasible.

Governing law

These terms are governed by Swiss law. Disputes arising under these terms will be subject to the jurisdiction of Swiss courts unless otherwise agreed in writing.

Dispute resolution

Clients are encouraged to raise concerns directly with RenteMaxRat so we can seek an amicable resolution. Where disputes cannot be resolved amicably, parties may pursue mediation or legal remedies in Switzerland.