Terms and Conditions

These Terms and Conditions apply to all contracts between

Valtura Advisory OÜ (hereinafter referred to as the “Provider”) and the users of the platform

(hereinafter “User”) regarding the use of the website smartlandlord.ch and the

services provided.

Any terms and conditions of the user that differ from, conflict with, or supplement these terms and conditions shall only become part of this agreement if the provider expressly agrees to their validity in writing.

The provider reserves the right to amend these Terms and Conditions if there is a legitimate interest in doing so. Users will be notified of material changes via email at least 30 days before they take effect and will be asked to provide their active consent. If consent is not provided, the user may terminate the contract before the changes take effect. Without active consent, the previous Terms and Conditions will continue to apply.

Smart Landlord is a digital SaaS platform designed to support real estate investors. Its main features include:

• Real Estate Valuation and Financial Analysis: Automatic calculation of returns, cash flows, amortization schedules, and scenario analyses for various financing models
• Location Analysis: Comprehensive evaluation of real estate locations based on demographic, economic, and infrastructure data using a weighted scoring system
• Energy Analysis: Assessment of energy consumption through benchmarking and detailed recommendations for action.
• Document Management: Secure cloud-based storage and management of contracts, financing documents, energy performance certificates, and other real estate-related documents
• Interactive dashboards: Visual representations of investment forecasts, return trends, and portfolio overviews
• Reporting: Automatic generation of professional PDF reports and analyses
• Portfolio Management: Management of multiple properties with comparative analyses and performance tracking

We use the following technologies and third-party providers to deliver our services:

You can find a detailed list of all third-party providers and their privacy practices in our Privacy Policy.

General Principle

Smart Landlord uses a token-based usage system (“Tokens”) that controls access to analytics, reports, and other platform features. Each registered user has a personal account with a monthly token allowance. Tokens are used exclusively for accessing platform features and do not constitute a digital currency or means of payment in the legal sense.

Monthly quota

The free account includes 100,000 tokens. Once the token allowance has been used up, you will not be able to perform any further actions that require tokens until a new allowance becomes available or additional tokens are purchased. Unused tokens expire at the end of the month and are not carried over to the following month.

Token usage

The cost depends on the type and scope of the services used. Examples:

Analysis or evaluation of a new real estate property

Preparation of a market or location report

Generating a PDF report or summary

Use of AI-powered features (e.g., forecasts, simulations)

Additional Token Purchases and Plan Changes

Users can purchase additional tokens at any time (“one-time purchase”) or upgrade to a higher-tier plan with an increased monthly allowance. The plan change takes effect immediately after confirmation in the user interface and applies starting from the current billing month.

Tokens that have already been purchased or used are non-refundable and cannot be transferred to other accounts.

Validity and Expiration

Tokens are valid from the date of allocation or purchase until the end of the current calendar month. Any remaining tokens will automatically expire. Tokens have no monetary value, cannot be redeemed for cash, and cannot be exchanged for other services.

Changes to the token system

Smart Landlord reserves the right to adjust token usage limits or quotas if necessary for technical or economic reasons. Users will be notified of any significant changes at least 14 days in advance and may terminate the user agreement early if they do not accept the changes.

Transparency and traceability

You can view your current token balance and all transactions at any time in the navigation menu.

• Minimum age: 18 years (legal age of majority under the laws of the country of residence)
• A valid email address for registration
• For paid features: A valid payment method and a corresponding subscription
• Internet connection and a compatible web browser

When registering, users agree to provide truthful,

complete and up-to-date information. Changes to account information are

update immediately.

The following actions are expressly prohibited:

• Infringement of copyrights, trademark rights, or other intellectual property rights of third parties
• Uploading malware, viruses, or other harmful code
• Reverse engineering, decompilation, or tampering with the platform
• Automated data extraction (screen scraping, crawling) without express permission
• Disclosure of login credentials to third parties
• Use for illegal purposes or to circumvent applicable laws
• Excessive strain on the server infrastructure

Users are fully responsible for all data they enter

and uploaded documents. This includes, in particular, the legality,

Accuracy and completeness of the information.

Free Accounts: The agreement takes effect upon successful registration.

Paid subscriptions: The contract is concluded upon successful payment via our partner Stripe. You will receive a confirmation email.

• All prices are listed in CHF and are subject to applicable statutory value-added tax, if any.
• Subscription fees are due in advance (monthly or annually, depending on the plan you choose)
• Payments are processed exclusively through Stripe using supported payment methods
• International transactions may incur additional exchange rate or bank fees, which are the responsibility of the user
• Price changes will be announced at least 30 days in advance and will take effect upon the next renewal

In the event of late payment or failed payments:

• Will access to premium features be automatically restricted?
• Does the user receive reminders via email?
• Can the provider block the account after 14 days?
• The provider reserves the right to charge late payment interest in accordance with applicable Swiss law

• Free accounts: Valid indefinitely until canceled
• Monthly subscriptions: 1 month with automatic renewal
• Annual subscriptions: 12-month initial term, followed by renewal for
• Indefinite term with the option to terminate on a monthly basis (see 5.2)

Users can cancel at any time:

• Free Accounts: Immediate Effect Upon Account Closure
• Paid subscriptions: Via account settings, effective at the end of the current billing period
• Refunds for amounts already paid will be issued only if the statutory right of withdrawal applies
• Annual subscriptions: Initial term of 12 months. Unless the contract is canceled at least one month before its expiration date, it will be automatically renewed for an indefinite period and may subsequently be canceled at any time with one month’s notice.

The provider may terminate the contract:

• Standard: With 30 days' notice prior to the end of the billing period
• Exceptional: In the event of a violation of these Terms and Conditions, following a written warning with a 14-day deadline to remedy the situation
• Immediately: In the event of serious violations (e.g., illegal use, security breaches)

After the contract ends, user data will be handled in accordance with our Privacy Policy. Users can export their data before cancellation. Data cannot be recovered after the account is deleted.

If you cancel this contract, we must refund to you all payments we have received from you, including delivery costs (with the exception of any additional costs resulting from your choice of a delivery method other than the cheapest standard delivery offered by us), without delay and no later than fourteen days from the day on which we receive notification of your withdrawal from this contract.

The right of withdrawal expires for service contracts once we have fully performed the service and have only begun to perform the service after you have given your express consent and, at the same time, confirmed that you are aware that you will lose your right of withdrawal once we have fully performed the contract.

The Provider shall be liable only in cases of willful misconduct or gross negligence. In cases of slight negligence, the Provider shall be liable only for breaches of material contractual obligations (cardinal obligations) whose fulfillment is essential for the proper performance of the contract and on whose fulfillment the User may reasonably rely.

Liability for damages is limited—to the extent permitted by law—to:

• In cases of intentional or grossly negligent breaches of duty: Unlimited
• In the event of a breach of material contractual obligations due to slight negligence: Limited to typical, foreseeable damages
• Maximum amount: Three times the subscription fees paid over the past 12 months, with a minimum of 50 CHF per claim

The Provider shall be liable for any outages, errors, or data breaches caused by third-party providers (Stripe, Google, Microsoft Azure, etc.) only to the extent that the Provider is at fault for their selection or supervision.

The Provider shall not be liable for any disruption of services resulting from force majeure, natural disasters, wars, terrorist attacks, cyberattacks by third parties, government orders, or other unforeseeable events beyond the Provider’s control.

Personal data is processed in accordance with our Privacy Policy

and the provisions of the Swiss Data Protection Act (DSG), as well as, to the extent that

applicable under the EU General Data Protection Regulation (GDPR).

• Contact information: Name, email address, and phone number (if applicable)
• Payment Information: Payment information processed via Stripe
• Usage data: IP address, browser information, usage statistics
• Content data: Uploaded documents, entered property data
• Communication data: support requests, email correspondence

Data protection is an integral part of SmartLandlord. Our core application data and documents are stored in the Microsoft Azure Germany West Central region (Frankfurt, Germany). We rely on state-of-the-art technical and organizational security measures to protect your data.

Users have the following rights regarding their data:

• Information about stored data (Art. 25 DSG)
• Correction of inaccurate data (Art. 32 DSG)
• Deletion of Data (Art. 32 of the Data Protection Act)
• Restriction on processing
• Data portability (Art. 28 DSG)
• Objection to the processing
• Complaint to the FDPIC (Federal Data Protection and Information Commissioner)

Transactional emails (cannot be unsubscribed from):

• Registration Confirmations
• Password reset links
• Payment confirmations and invoices
• Contract-related notifications (changes to the Terms and Conditions, etc.)
• Safety warnings

Marketing emails (optional, can be unsubscribed from):

• Newsletters and Product Updates
• Promotional offers and discounts
• Invitations to webinars or events
• Market research surveys

Users can adjust their email preferences at any time in their account settings or opt out by clicking the unsubscribe link in any marketing email. Transactional emails cannot be unsubscribed from, as they are necessary for the fulfillment of the contract.

Emails are sent through professional email service providers. We use tracking pixels only for transactional emails to confirm delivery, not for marketing emails without your express consent.

We aim for the platform to be available at least 99% of the time each year (excluding scheduled maintenance). This corresponds to a maximum downtime of approximately 87 hours per year.

Scheduled maintenance will be announced at least 24 hours in advance whenever possible and will be carried out outside of peak usage hours.

We perform regular backups, but we cannot guarantee that data will be fully restored in the event of a failure. Users are advised to back up important data locally.

Contracts with Valtura Advisory OÜ are governed by Swiss law,

in particular the Swiss Code of Obligations (CO), excluding the UN Convention on Contracts for the International Sale of Goods.

For consumers as defined by applicable consumer protection laws, the following apply:

mandatory provisions of the law of their country of residence.

For consumers as defined under EU law, the mandatory consumer protection provisions of their country of residence apply, provided that these are more favorable. This includes, in particular:

• Right of Withdrawal
• Warranty claims
• Liability Provisions
• Review of Terms and Conditions

• For consumers: The statutory venues of jurisdiction apply. Consumers may also bring legal action in the courts of their place of residence. The provider may only sue consumers in the courts of their place of residence.
• For business owners: The exclusive venue for legal proceedings is Tallinn, Estonia.

There is no central consumer arbitration body in Switzerland. In the event of a dispute, Swiss consumers may contact the Foundation for Consumer Protection (https://www.konsumentenschutz.ch), provided it has jurisdiction over the matter.

Our email address: info@smartlandlord.ch

If any provision of these Terms and Conditions is wholly or partially invalid or unenforceable, the validity of the remaining provisions shall remain unaffected. The invalid provision shall be replaced by a legally valid provision that most closely approximates the economic purpose of the invalid provision.

The Provider is entitled to assign its rights and obligations under this Agreement to third parties. Users will be notified of such an assignment at least 30 days in advance and have the right to terminate the Agreement for cause.

Any amendments or additions to this agreement must be made in writing (email is sufficient). This also applies to any waiver of the written form requirement.