These Terms and Conditions govern the contractual relationship between you and GoldKurs.ch, a service offered by Winify AG. Please read these terms carefully before using the platform.
As of: 30. May 2026 | Version 2.0 | Swiss law applies
These Terms and Conditions (hereinafter ”Terms”) govern the use of the online platform GoldKurs.ch (hereinafter ”platform” or ”service”), operated by:
Winify AG
Churerstrasse 65b
8808 Pfaeffikon SZ
Switzerland
UID CHE-495.341.743
Email: legal@goldkurs.ch
Website: www.goldkurs.ch
These Terms apply to all usage agreements between the provider and natural or legal persons (hereinafter ”users” or ”you”) who use the GoldKurs.ch platform, regardless of whether the services are free or paid.
The provider does not recognise conflicting terms or terms deviating from these Terms unless the provider has expressly agreed to their validity in writing.
GoldKurs.ch is a digital information and analysis platform for investors that provides the following services depending on the selected subscription:
All information, analyses and tools provided serve exclusively informational and educational purposes. They do not constitute investment advice, financial advice or recommendations. Please refer to the Disclaimer.
The provider aims for platform availability of 99% as an annual average (measured outside scheduled maintenance windows). There is no entitlement to uninterrupted availability. Scheduled maintenance will be announced in advance where possible.
Market data, price indicators and macroeconomic data may originate from external sources, data providers, exchange information, public datasets or model-based calculations. The provider gives no warranty as to the accuracy, completeness, timeliness or uninterrupted availability of this data.
Use of paid services requires registration. Registration is permitted for natural persons aged 18 and over as well as legal entities.
The user undertakes to provide truthful, current and complete information during registration, in particular a valid email address. Changes must be updated without delay. A username is generated automatically from the email address.
The user is obliged to treat login credentials (email and password) confidentially and protect them against unauthorised access. If misuse is suspected, the provider must be informed immediately. The provider is not liable for damage caused by unauthorised use of login credentials where the user is at fault.
Each user may maintain only one account. Transfer of login credentials to third parties is not permitted outside the official team and client management functions.
GoldKurs.ch offers the following paid subscription plans (prices in EUR, CHF prices analogous):
| Plan | Monthly price (EUR) | Annual price (EUR) | AI quota | Special feature |
|---|---|---|---|---|
| Basic | €14.99/month | 149,99 €/year | 100 messages/month | Bookable directly |
| VIP Pro | €27.99/month | 279,99 €/year | 500 messages/month | Bookable directly |
| Pro Team | €79.99/month | 799,90 €/year | 2,000 messages/month | Up to 5 team members |
| Institutional | €299.99/month | 2.999,90 €/year | 5,000 messages/month | Up to 10 internal users + clients |
The free plan is permanently available without payment obligation and includes basic functions according to the current overview on the website.
Payment processing is carried out exclusively through the certified payment service provider Stripe, Inc. (USA). The Stripe privacy policy. The provider itself does not store payment data (credit card numbers etc.).
Accepted payment methods: credit card (Visa, Mastercard, American Express), SEPA direct debit (depending on availability), and other methods supported by Stripe.
For monthly billing, the amount is collected monthly in advance on the renewal date. For annual billing, the annual amount is charged once in advance. If payment fails, access to the service may be restricted or suspended.
Price changes will be communicated to the user by email at least 30 days before they take effect. If the user does not object to the price increase within 14 days after notification, the increase is deemed accepted. In the event of objection, the user has the right to extraordinary cancellation.
Prices are displayed in EUR or CHF depending on the user’s detected location. The currency actually charged depends on the Stripe price configuration of the selected plan.
Consumers resident in the EU or EEA have the right to withdraw within 14 days from conclusion of the contract without giving reasons.
Important notice: By confirming the purchase and beginning to use the service, you consent to immediate performance of the contract. The free plan is permanently available; paid premium plans are billed directly and activated immediately.
To exercise the right of withdrawal, inform us of your decision by an unequivocal statement (e.g. by email to legal@goldkurs.ch). The deadline is met if you send the notice in time. The pro rata unused subscription amount will be refunded, less the cost of services already provided up to withdrawal.
For users resident in Switzerland, the provisions of the Swiss Code of Obligations (CO) apply. There is no statutory right of withdrawal as under EU consumer law; however, the provider voluntarily grants a refund right within 7 days from the first paid billing period.
GoldKurs.ch offers a permanently free plan with limited functionality. This allows users to get to know the platform without payment obligation.
Paid plans are activated immediately after successful payment. There is no automatic free trial for paid premium plans.
Subscriptions can be managed and cancelled via the dashboard or the Stripe customer portal. A downgrade returns the account to the free plan after the paid period expires.
Subscriptions are concluded for an indefinite period and renew automatically for the respective billing period (monthly or annually) unless cancelled in time.
The user may cancel the subscription at any time effective at the end of the current billing period. For monthly billing, this means no later than the last day of the month; for annual billing, no later than the last day of the subscription year. Cancellation is possible via:
After cancellation, access remains available until the end of the paid period.
Both parties have the right to extraordinary cancellation for good cause. Good cause exists where, taking all circumstances into account, the cancelling party cannot reasonably be expected to continue the contractual relationship, particularly in the event of material breaches of contract.
The provider may terminate the user relationship extraordinarily, in particular if the user breaches these Terms, engages in abusive use or provided false information during registration. In this case, there is no entitlement to refund of subscription fees already paid.
For the duration of the subscription, the provider grants the user a non-exclusive, non-transferable, revocable right to use the platform for private and professional purposes within the scope of these Terms.
Without the provider’s express written permission, the user is prohibited from:
All rights in the platform, source code, design, analysis tools, algorithms and other content remain with the provider or the respective rights holders. Commission of the service does not grant ownership or transfer of intellectual property rights.
Users undertake to use the platform lawfully and must not infringe third-party rights. In particular, the following conduct is prohibited:
Holders of Pro Team and Institutional plans are additionally obliged to ensure that all invited team members and clients accept and comply with these Terms. The account holder is liable for breaches by team members and clients.
The provider’s liability is limited to cases of intent and gross negligence. For slight negligence, the provider is liable only for breach of essential contractual obligations (cardinal obligations), and only up to the amount of foreseeable, typical damage.
The provider is in no case liable for losses or damage arising from investment decisions made on the basis of information provided on the platform. This applies in particular to AI-generated content, chart analyses, signals and market data.
The provider assumes no liability for the accuracy, completeness or timeliness of data obtained from third parties.
The provider warrants that the platform substantially corresponds to the described functions. There is no entitlement to a specific functionality or error-free use. Errors will be remedied promptly where possible.
The protection of your personal data is an important concern for the provider. The processing of personal data is carried out in accordance with the Privacy Policy of GoldKurs.ch and in accordance with the principles of the General Data Protection Regulation (GDPR), the Swiss Data Protection Act (revFADP) and other applicable data protection laws.
The provider reserves the right to amend these Terms at any time with effect for the future. Users will be informed of material changes by email at least 14 days before they take effect. If the user does not object to the changes within 14 days, the new Terms are deemed accepted. In the event of objection, the user has the right to extraordinary cancellation. The current version of the Terms is available on the website at all times.
Swiss law applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). For consumers resident in the EU, mandatory consumer protection provisions of the user’s country of residence apply additionally.
For disputes between the provider and businesses, the place of jurisdiction is the provider’s registered office in Switzerland. For consumers resident in the EU, the place of jurisdiction is the consumer’s place of residence under EU consumer law.
The European Commission provides a platform for online dispute resolution (ODR): https://ec.europa.eu/consumers/odr. The provider is not obliged to participate in dispute resolution proceedings before a consumer arbitration board.
If individual provisions of these Terms are invalid or unenforceable, the validity of the remaining provisions remains unaffected. The invalid provision shall be replaced by a valid provision that comes closest to the economic purpose of the invalid provision.
Changes and additions to these Terms require written form. This also applies to waiver of this written-form requirement.
If you have questions about these Terms, please contact: legal@goldkurs.ch