General Terms and Conditions (GTC)

These General Terms and Conditions of Use and Business for Switzerland ("GTC") govern the relationship between you as a user of Caveo via the app and the CaveoApp website as well as via any other means of communication (such as telephone, e-mail, fax, etc.). When concluding a mandate agreement with CaveoApp, these GTC apply in addition to the mandate agreement.

The most important things in a nutshell:

  • Caveo AG, Zurich, Switzerland, operates under the name "Caveo" with the CaveoApp ("CaveoApp") and with www.caveo.ch, a service for the digital administration, obtaining of offers and conclusion of insurance contracts for persons of legal age resident in Switzerland.
  • Caveo is registered with the Swiss Financial Market Supervisory Authority (FINMA) as an independent insurance intermediary and is subject to the Fidleg.
  • Caveo does not take out any insurance, pension or financial products. Caveo obtains offers for you and simplifies the conclusion of the products. You take out the insurance, pension or financial products yourself directly with the provider you have chosen.
  • Caveo only ever acts with your express consent. You retain full control over your insurance contracts. This is regulated in the mandate agreement between you and Caveo.
  • The use of CaveoApp is generally free of charge for you. If Caveo is not indemnified by the client's insurer, the client shall be liable to pay a customary fee.

How Caveo works:

  • You can register with Caveo free of charge. You can then decide whether or not you want Caveo to manage your insurance policies. To do this, you give Caveo permission to obtain your policy information from the insurer. If you do not authorize Caveo to mandate your insurance policies, certain functions of the CaveApp may not be available to you.
  • The insurer sends Caveo your policy information, which is now available to you in the CaveoApp. You always have all the important information to hand digitally.
  • If you want to change or optimize an insurance policy or want additional insurance, Caveo will obtain quotes for you from various insurers. You can compare the offers in CaveoApp and choose the one that suits you best.
  • You take out the insurance you have chosen directly with the respective insurer via Caveo. The new insurance will then be added to your profile and you will always have all the important information about it to hand digitally.

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