Terms of Use

FinanzPilot Schweiz (app for iPhone and iPad) · Version 1 of 27 October 2026 · Last updated: 30 October 2026

This is a translation. Only the German version (Nutzungsbedingungen) is binding.

1. Scope

These terms of use apply to the FinanzPilot Schweiz app ("app"). The provider is Nikola Marković, Reinach BL, who publishes the app as a sole proprietor under the name Komovi (see the legal notice); "we" and "us" mean him.

You download the app from the App Store. Your right to use it comes from Apple's standard licence for apps (Licensed Application End User License Agreement, "Apple EULA"). These terms add the points that apply to FinanzPilot. Where they conflict, mandatory law and, where applicable, the Apple EULA prevail.

By tapping "I understand and agree" in the app you accept these terms. How the app handles data is described in the privacy policy.

2. What FinanzPilot is – and what it is not

• A planning and information tool. You enter and import your own figures and use them to plan your budget, net worth, pensions, taxes and financial independence (FIRE).
• Estimates made to the best of our knowledge. Results are based on what you enter and import and on simplified assumptions, for example about returns, inflation, tax tariffs and the law of a particular year. We prepare them to the best of our knowledge and with care, but do not warrant that they are correct, complete or up to date. They can differ from reality; the future cannot be calculated. FinanzPilot is a tool that calculates with the assumptions described in the app; we do not owe any particular or correct result. Results and examples are not a warranty.
• No financial services, no advice. FinanzPilot never moves money, does not connect to your bank account, takes no orders and arranges no products. The app provides no financial service within the meaning of the Swiss Financial Services Act (FinSA/FIDLEG), gives no tax, legal or investment advice and does not recommend buying, holding or selling any particular financial instrument, insurance or pension product. Support does not advise on personal finance questions either.
• Taxes as estimates. FinanzPilot estimates federal, cantonal and communal taxes for every canton with the tariffs and Steuerfüsse of the Swiss Federal Tax Administration (ESTV) for the municipality you chose (Basel-Landschaft until you choose one). The estimate starts from taxable income; not every deduction and not every special case is covered. Only your tax authority's assessment is binding.
• Pensions as estimates. FinanzPilot calculates AHV, pension fund and pillar 3a with simplified rules and your own figures. What counts are the information and regulations of your pension fund, your AHV compensation office and your 3a foundation.
• AI answers can be wrong. Answers and summaries from the AI features (on the device or with your own Anthropic key) are generated automatically. They can be incomplete, out of date or wrong and are not advice. Check them before you rely on them; we give no warranty for their content.
• Templates are samples. Templates such as the cancellation letter are samples without warranty. You check the deadline, address and form against your contract yourself; whether and when a cancellation takes effect depends on your contract.
• Prices for an overview. Share prices and exchange rates (from the ECB, via OpenFIGI, from your own price source or entered by you) can be delayed, incomplete or wrong. FinanzPilot shows them to give an overview of your net worth, not as a basis for buying or selling.

For binding answers, talk to a professional (for example a Treuhänder, a tax adviser or your pension fund) or your canton's tax office.

3. Use at your own risk

What you do with the results is your decision, and you bear the risk of your decisions. Check important figures against your own documents before you base a decision on them. Where a lot of money is at stake, have them confirmed by the competent office or a professional first, for example before a pension fund buy-in, a withdrawal from pillar 2 or 3a, the choice between annuity and lump sum, your tax return, an investment, a cancellation or the decision to stop working earlier. Also check that your imports are complete and correct; the review inbox in the app helps with that.

4. Your data, backups and your device

• Your financial data lives on your device, not with us. We have no copy of it and cannot restore lost data.
• Backups are up to you, and you make them regularly. The app offers iCloud backup, exports (database, JSON, CSV) and local safety copies before updates; whether and how you use them is your choice. Keep exports safe: they contain your financial data.
• Software can have bugs: an update, an error in the app or a fault in your device can damage or delete data. You bear any loss that a regular backup would have prevented.
• Protect your device and your Apple ID, for example with a passcode, Face ID or Touch ID and two-factor authentication. You can also switch on the app lock in the app.

5. Third-party services and data

Some features use services and data of other providers. Their own terms apply to those services. These providers are not our auxiliaries: they provide their services themselves. We take data as the providers publish it; we do not check it value by value. We have no influence on the availability, accuracy or timeliness of these services and data and give no warranty for them.

• Tax data: tariffs, Steuerfüsse and municipalities from the data of the Swiss Federal Tax Administration (ESTV, tax calculator – basic data) and the municipality register of the Federal Statistical Office, each for the tax year named in the app. FinanzPilot is not an offer of the ESTV.
• Prices: the euro reference rates of the European Central Bank (ECB) and, only when you tap, the ISIN lookup of OpenFIGI.
• Apple: App Store, purchases (StoreKit) and, if you switch them on, iCloud backup and iCloud sync in your own iCloud account.
• Google AdMob: non-personalised ads in the free version (not with FinanzPilot Pro).
• Anthropic (optional): AI features with your own API key. This needs your own Anthropic account; Anthropic's terms (Commercial Terms) apply, and Anthropic charges you directly. Before the first request the app asks whether it may send data to Anthropic.
• Your own price source (optional): if you connect a price source of your choice in the app, you are responsible for making sure its terms of use allow this. FinanzPilot only makes the technical connection, sends only symbols or ISINs to the address you entered and gives no warranty for the availability or accuracy of the prices.

Which data goes where is described in the privacy policy.

6. FinanzPilot Pro

• You buy Pro in the app through the App Store, as a yearly subscription or a one-time purchase ("Lifetime"). Apple handles the sale, payment, renewal and refunds under its Media Services Terms and Conditions. The price shown in the App Store applies.
• You can try Pro free for 30 days, once per Apple ID ("Try free for 30 days"). The trial is a free purchase through the App Store, not a subscription: it ends by itself after 30 days, nothing renews and nothing is charged; after that the free version applies again.
• The yearly subscription renews automatically for another year unless you cancel it at least 24 hours before it ends. You can manage or cancel it at any time in your Apple ID settings. Request a refund from Apple (reportaproblem.apple.com).
• Pro removes the ads and unlocks the extra features described in the app. The one-time purchase is not a subscription: it has no expiry date and belongs to your Apple ID.

7. Changes to the app and to these terms

• We keep developing FinanzPilot. Features can change, be added or be removed, for example when laws, tax tariffs, Apple's requirements or third-party services change. We aim for a reliable app but do not warrant that it always works without interruption, without errors and with every future iOS version. Features that need third-party services (for example prices or AI) work only as long as those services are available. Your mandatory statutory rights and your rights against Apple are not affected.
• These terms carry a version number and a date (at the top of this page). If we change them, we publish the new version here and the app shows it to you at the next start; it applies to you only once you confirm it with "I understand and agree". If you do not agree with a new version, you can stop using the app and cancel a subscription in your Apple ID settings.

8. Liability

We develop FinanzPilot to the best of our knowledge and with care. The following applies to liability, equally to contractual and non-contractual claims:

1. Mandatory liability only. We are liable only where the law makes liability mandatory: for damage we cause intentionally or through gross negligence, for personal injury, under the Swiss Product Liability Act and wherever else mandatory law requires it. Swiss law does not allow this liability to be excluded in advance (Art. 100 para. 1 Code of Obligations, Art. 8 Product Liability Act).
2. No liability for slight negligence. Any other liability is excluded, in particular for any negligence that is not gross (slight and ordinary negligence). So we are not liable for errors that happen despite due care, for example in a calculation, a tax tariff, an assumption, an import, a translation or a template.
3. Auxiliaries. We are not liable for people we involve (auxiliaries) to the extent Art. 101 para. 2 Code of Obligations allows. The providers in section 5 are not our auxiliaries.
4. Decisions, third-party data, AI, outages. Under item 2 we are in particular not liable for decisions you base on estimates, content or AI answers of the app, for errors, delays or outages of third-party services and data (section 5), for data loss, or for interruptions or errors of the app.
5. If we are liable nonetheless. If we are nonetheless liable for negligence that is not gross, for example because a court does not uphold item 2, then (a) not for indirect or consequential loss, in particular not for lost profit, lost tax savings, back taxes, interest, fines, investment losses or the consequences of decisions about contributions, buy-ins, withdrawals, investments or the timing of retirement, and (b) in total at most up to the amount you paid for FinanzPilot Pro in the twelve months before the event causing the damage, but at least up to CHF 100.
6. Your own fault. If you did not check important figures before a decision or did not back up your data (sections 3 and 4), the law may reduce or exclude a claim (Art. 44 Code of Obligations).

Each item of this section stands on its own (section 10).

9. Governing law and jurisdiction

Swiss law applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). The place of jurisdiction is the provider's domicile (currently Reinach BL). If you are a consumer, you can also sue at your own domicile, and we sue you only there (Art. 32 Swiss Civil Procedure Code). Mandatory places of jurisdiction prevail in every case.

10. Severability

If a provision of these terms, or part of one, is invalid, the rest remains valid. The items in section 8 are independent of each other: if one falls away, the others still apply. An invalid provision is replaced, where permitted, by the valid rule that comes closest to its purpose, otherwise by the statutory rule.

11. Contact

Questions about these terms or the app: support@komovi.ch. Provider: Nikola Marković, Reinach BL, Switzerland (legal notice).

Version 1 of 27 October 2026 · Last updated: 30 October 2026