Terms of Service

GS Group AG, CH-6340 Baar ZG, Switzerland ("we", "us", "the Company") operates the platform fin.healthcare through its sub-group Financial Healthcare by GS Group AG. Financial Health Check (fin.healthcare) is a product of Financial Healthcare by GS Group AG. The contractual partner in all cases is GS Group AG. Contact: she@fin.healthcare

By accessing or using this Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

We reserve the right to modify these Terms at any time. Registered users will be notified of material changes by email. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

You must be at least 18 years of age to use this Service. By using the Service, you represent and warrant that you are 18 or older and have the legal capacity to enter into a binding agreement under the laws of your jurisdiction.

The Service is intended for business use (analysis of companies and financial data). Use for personal consumer financial decisions is at your own risk.

We offer the following AI-powered financial analysis tools:

• Quick Check (Free): Basic financial score based on 7 input fields, no login required
• Deep Analysis (€9.90): Extended analysis with 4 subscores, benchmarks and recommendations
• Startup Financial Plan (€14.90): 12-month cash flow projection, payroll cost calculator for 5 countries
• Expert Analysis (€19.90): Document upload, DuPont analysis, credit rating, risk matrix

All analyses are generated exclusively based on data provided by the user and processed by an AI language model (Claude by Anthropic). We do not collect, verify, or modify user-submitted data at any point.

Analysis results are for informational and orientation purposes only. They do not constitute financial advice, tax advice, legal advice, investment advice, or any other regulated advisory service under any jurisdiction's laws.

You are solely responsible for the accuracy, completeness, and legality of all data you submit to the Service. The quality and usefulness of any analysis output is entirely dependent on the quality of the data you provide.

You agree not to:

• Submit false, misleading, or fraudulent financial data
• Use the Service to generate analyses intended to deceive third parties (e.g. investors, lenders)
• Attempt to reverse-engineer, scrape, or abuse the Service
• Use the Service in violation of any applicable laws or regulations
• Share account credentials with third parties

We reserve the right to suspend or terminate accounts found in violation of these obligations without refund.

Paid analyses are one-time purchases. There are no subscriptions or recurring charges. All prices are displayed inclusive of applicable taxes where required. Payments are processed exclusively by Stripe, Inc. (PCI-DSS Level 1 certified). We never store payment card data on our servers.

Prices are displayed in EUR (€). If your bank or card issuer converts to a local currency, any exchange rate differences or foreign transaction fees are your responsibility.

We aim for high availability but make no guarantee of uninterrupted access. Downtime may result from maintenance, technical failures, or outages of third-party providers (Anthropic AI, Stripe). For paid analyses interrupted by a technical failure, see section 6.2. No further liability for unavailability is accepted.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.

We do not warrant that analysis outputs are accurate, complete, current, or suitable for any particular purpose. The AI-generated results reflect only the data submitted by the user and may contain errors, omissions, or inaccuracies. We expressly disclaim any responsibility for:

• The accuracy or completeness of any analysis, score, rating, or recommendation
• Errors resulting from inaccurate, incomplete, or false input data
• Any business, financial, investment, or other decision made based on analysis results
• Any loss of profit, revenue, data, or business opportunity arising from use of the Service

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINANCIAL HEALTH CHECK BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THE SERVICE.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SPECIFIC TRANSACTION GIVING RISE TO THE CLAIM IN THE 12 MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law. Nothing in these Terms excludes liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.

TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST FINANCIAL HEALTH CHECK. All claims must be brought in your individual capacity. This waiver applies to the maximum extent permitted under the laws of your jurisdiction.

This provision does not apply to users in jurisdictions where class action waivers are unenforceable, including consumers in the European Union exercising rights under EU consumer protection law.

You may not use the Service if you are located in, or are a resident or national of, any country subject to comprehensive sanctions administered by the EU, UN, or relevant national authorities (currently including North Korea, Iran, Syria, and Cuba), or if you are on any sanctions list. By using the Service, you represent that you are not subject to such restrictions.

All content, design, code, and materials on this Service are the property of GS Group AG or its licensors. You may not reproduce, distribute, or create derivative works without express written permission.

Analysis reports generated for you may be used for your own internal business purposes. You may not resell, redistribute, or publish analysis reports as your own work or as the work of a licensed financial adviser.

Our collection and use of personal data is governed by our Privacy Policy (Datenschutzerklärung), which forms part of these Terms. By using the Service, you consent to the processing of your data as described therein.

Financial data submitted for analysis is transmitted to Anthropic (USA) for AI processing. By using the Service, you acknowledge this international data transfer and consent to it on the basis of EU Standard Contractual Clauses or equivalent mechanisms applicable in your jurisdiction.

These Terms are governed exclusively by the laws of Switzerland, in particular the Swiss Code of Obligations (OR/CO), excluding the UN Convention on Contracts for the International Sale of Goods (CISG) and the conflict-of-law rules of Swiss private international law (IPRG/PILA).

The exclusive place of jurisdiction for all disputes arising out of or in connection with these Terms is Zurich, Switzerland, subject to mandatory provisions of applicable law that may grant consumers the right to sue in their country of residence.

For consumers in the EU/EEA, mandatory consumer protection laws of the user's country of residence apply in addition to Swiss law and take precedence where they provide greater protection.

Switzerland offers a neutral, internationally respected legal framework. The Swiss Federal Supreme Court (Bundesgericht) in Lausanne serves as the highest appellate court. Switzerland is a signatory to the New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards (1958), ensuring enforceability of arbitration awards in 170+ countries.