These terms govern your use of the Hello Expats website, its calculators and guides, and the booking of a free first consultation with FINWIWO AG.
Last updated: 4 August 2026
These terms govern your use of the Hello Expats website and of its calculators, guides, checklists, enquiry forms and consultation booking. The website is operated by FINWIWO AG, Oberstrasse 153, 9000 St. Gallen, Switzerland. By using the website you accept these terms. If you do not accept them, please do not use the website. We may update these terms at any time; the version published here at the time of your visit applies.
The content of this website is general information about living and working in Switzerland and is not personal advice. Calculators, comparisons and figures are estimates based on the assumptions and public data described on each page, and actual premiums, taxes, contributions and returns will differ from them. Nothing on this website constitutes personal tax, legal, insurance, pension or investment advice, and nothing on it is an offer or a recommendation to buy any financial product. Advice is given only within a written engagement with FINWIWO AG.
We prepare our content carefully and review it regularly, but Swiss rules, thresholds and premiums change. Figures marked "as of" a given year reflect the position at that time and may since have changed. We give no warranty that the website is accurate, complete, up to date, uninterrupted or free of errors, and we may change, suspend or withdraw any part of it at any time without notice.
The first consultation is free of charge and without obligation. Booking a slot does not create an advisory mandate; a mandate arises only once a separate written engagement agreement is signed with FINWIWO AG, which then governs the scope, fees and remuneration of the services. Please cancel or reschedule an appointment you cannot attend at least 24 hours in advance so we can offer the slot to someone else.
You agree to give accurate information in our forms and calculators, to use the website only for lawful purposes, and not to attempt to gain unauthorised access to it, to scrape it at scale, to submit automated or spam entries, or to interfere with its operation or security. We may block access where these terms are breached.
All content on this website - texts, images, graphics, calculators, layout and source code - belongs to FINWIWO AG or to its licensors and is protected by copyright. You may view, download and print content for your own personal, non-commercial use. Any other use, in particular reproduction, distribution or making content available to the public, requires our prior written consent.
The website links to third-party resources such as insurers, authorities and comparison data sources, and embeds third-party review and scheduling widgets. We do not control these services and accept no responsibility for their content, accuracy, availability or data-protection practices. A link is not an endorsement.
To the extent permitted by Swiss law, FINWIWO AG excludes any liability for direct, indirect or consequential loss arising from the use of, or inability to use, this website or from reliance on the information or estimates it provides. This exclusion does not apply to loss caused by our gross negligence or wilful misconduct, nor to any liability that cannot be excluded under mandatory Swiss law.
How we handle personal data submitted through this website is described in our Privacy Policy, which forms part of these terms.
These terms are governed by Swiss law, excluding its conflict-of-law rules and the Vienna Sales Convention. The exclusive place of jurisdiction is the registered seat of FINWIWO AG in St. Gallen, subject to any mandatory Swiss consumer-protection rules. Questions about these terms: info@finwiwo.ch, +41 71 552 30 00.
Hello Expats · a brand of FINWIWO AG · Oberstrasse 153, 9000 St. Gallen, Switzerland · FINMA registration number 35704.
