Terms and Conditions

Agreement to Terms

By accessing and using Golden Guard Coverage's services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not use our services.

Eligibility

Our services are available to individuals who:

  • Are at least 18 years of age
  • Reside in Switzerland
  • Have the legal capacity to enter into insurance contracts
  • Provide accurate and complete information

Service Terms

Consultation Services

  • Initial consultations are subject to availability
  • Follow-up consultations may require additional fees
  • We reserve the right to refuse service at our discretion

Insurance Brokerage

  • We act as an independent insurance broker
  • We do not guarantee insurance policy approval
  • Final policy terms are subject to insurer approval

Payment Terms

Consultation Fees

  • Fees are due at the time of booking
  • Payment methods include credit card and bank transfer
  • All prices are in Swiss Francs (CHF)

Insurance Premiums

  • Premium payments are handled directly by insurers
  • We do not collect or process insurance premiums
  • Payment schedules are determined by the insurer

Refund Policy

Consultation Services

  • Cancellation 24+ hours before appointment: Full refund
  • Cancellation 12-24 hours before: 50% refund
  • Cancellation less than 12 hours: No refund

Insurance Policies

  • Refund policies vary by insurance provider
  • We will assist in processing refund requests
  • Refund eligibility is determined by the insurer

Limitations of Liability

Golden Guard Coverage:

  • Is not liable for insurance policy decisions
  • Does not guarantee insurance coverage
  • Is not responsible for insurer actions or decisions
  • Limits liability to the amount paid for our services

Prohibited Activities

Users may not:

  • Provide false or misleading information
  • Use our services for illegal purposes
  • Attempt to manipulate insurance quotes
  • Share account access with unauthorized users

Intellectual Property

All content on our website and materials are protected by copyright and other intellectual property rights. Users may not:

  • Copy or reproduce our materials
  • Use our branding without permission
  • Modify or create derivative works

Governing Law

These terms are governed by Swiss law. Any disputes shall be resolved in the courts of Bern, Switzerland.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website. Continued use of our services constitutes acceptance of modified terms.

Last updated: May 2025

Contact Information

For questions about these terms, please contact us at:

  • Email: info@goldenguardcov.com
  • Address: Kornhausstrasse 7, 3013 Bern, Switzerland
  • Phone: +41 31 654 32 18