Legal Notice and Disclaimer

1. Information about the website operator

This website is operated by: Zhwa Zapata Morales Farlifangstrasse 20, 8126 Zumikon, Switzerland [email protected] CHE-431.687.104

2. Purpose of the website

This website provides information and comparison tools for health insurance and other related products. The published content is general in nature and does not constitute an individual recommendation or a binding offer. FinderSpot is not an insurance intermediary, is not registered in the FINMA intermediary register and does not provide individual insurance advice; contact requests are forwarded exclusively to independent, FINMA-registered partner companies.

3. Intellectual Property

All content (texts, images, videos, logos, tools, software, source code, etc.) is the property of Zhwa Zapata Morales or of duly credited third parties. Full or partial reproduction without prior written permission is prohibited. The name 'FinderSpot', the logo and the site's visual identity are expressly reserved. The systematic extraction, collection or re-use of data from this website (including scraping and automated access) is likewise prohibited, without prejudice to claims under the Swiss Federal Act against Unfair Competition (UWG).

4. Resignation

Although we strive to keep the information up to date and correct, we do not guarantee the accuracy, completeness or currency of the data provided. Use of the website and the tools offered is — to the extent permitted by law — at your own risk.

5. External links and third-party services

This website may contain links to external websites or embed third-party content. We have no influence over these sites or their privacy practices.

6. Data protection

You can find detailed information on how we collect and process your personal data, as well as the use of cookies on this website, in our Privacy Policy.

7. Limitation of liability for technical failures

We guarantee neither the uninterrupted availability nor the error-free functioning of the website and the tools offered. All liability is excluded to the extent permitted by law; liability for unlawful intent and gross negligence remains reserved (Art. 100 Swiss Code of Obligations).

8. Changes in the Legal Notice

We reserve the right to change or update this Legal Notice and Disclaimer at any time and without prior notice.

9. Permitted use of the website and automated access

The content, data, structure and functioning of FinderSpot are protected and are made available solely for personal, non-automated use. Without our prior written consent, the following are expressly prohibited: (a) automated access to, and the extraction, copying, collection or storage of, the content or data of the website (scraping, crawling, spidering, data mining or similar techniques); (b) reproducing, reselling, redistributing or re-using the content or data; (c) reverse-engineering or replicating the functioning, logic or design of the service, or using it to develop or train a competing product or artificial-intelligence model; (d) circumventing or interfering with the website's technical protection measures (for example, rate limits or the filtering of automated traffic). Exception: legitimate search engines and AI assistants may access and index publicly available content solely in order to display or recommend FinderSpot in their results, provided that they respect our robots.txt file and do not overload the service. In the event of a breach, we reserve the right to block access immediately and to take legal action under Swiss law, including the Swiss Federal Act against Unfair Competition (UWG).

Governing law and jurisdiction

Swiss law applies exclusively. The place of jurisdiction is Zurich, Switzerland, unless mandatory statutory places of jurisdiction provide otherwise.

Notice: The valid version of this document is the one written in German.