General Terms and Conditions (GTC)

– As of October 1, 2026 –

1. Scope and contractual framework

1.1 Scope

These General Terms and Conditions (“GTC”) govern the general rights and obligations between beppo AG, Badenerstrasse 549, 8048 Zürich (“beppo”), and its clients (each a “Client”) in connection with the products, platforms, applications and services offered by beppo.

Any deviating or supplementary terms of the Client apply only if beppo has expressly accepted them in verifiable text form.

1.2 Contract documents and order of precedence

The specific scope of services and the product-specific rights and obligations are set out in the individual contract with the Client. In the event of any conflict, those individual contract documents prevail over these GTC.

Where beppo processes personal data as a processor, the Data Processing Agreement (“DPA”) entered into between the parties prevails over these GTC with respect to that processing.

2. Basis of the business relationship

2.1 Subject matter of the contract

The subject matter of the business relationship is determined by the individual contract with the Client.

beppo shall perform the agreed services with due care, but does not guarantee any particular payment receipt, litigation or collection outcome, authority decision or other economic result unless expressly agreed otherwise.

2.2 Responsibilities of the Client

The Client shall ensure that it is authorised to engage beppo and to assert the claims submitted by it or processed through beppo. Within its area of responsibility, the Client is responsible for compliance with applicable statutory, regulatory and contractual requirements and for the accuracy, completeness and lawful collection of the information, documents and evidence provided. The Client shall inform beppo without undue delay of any changes.

The Client shall provide complete and up-to-date evidence. beppo may request additional documents to the extent necessary to perform the engagement. The processing of a case may be refused, suspended or discontinued where there are reasonable indications of inaccurate or incomplete information, insufficient evidence, lack of authority, an unlawful claim or other legal or factual obstacles.

beppo may transmit the evidence, to the extent necessary to clarify, assert or defend claims, to competent authorities, courts or appointed legal representatives.

3. Service provision, systems and third parties

There is no entitlement to applications, portals or interfaces operating fully uninterrupted or error-free at all times.

beppo may maintain, update, replace and further develop systems, functions and technical processes, provided that the agreed overall functionality is not materially impaired as a result.

Where the provision of services depends on external infrastructures or systems that are neither selected nor controlled by beppo, beppo cannot guarantee their availability or error-free operation.

4. Data processing

The processing of personal data is governed by the individual contract entered into between the parties and by the Data Processing Agreement (DPA).

5. Ownership, intellectual property rights and confidentiality

Materials, devices and other items provided by beppo to the Client on loan or for use remain the property of beppo and must be returned within ten calendar days after termination of the contract, unless otherwise agreed.

All rights in applications, portals, software, interfaces, templates, trademarks, designs, documentation and other work products provided by beppo remain with beppo or the respective rights holders. For the term of the contract, the Client is granted a non-exclusive, non-transferable right of use limited to the agreed contractual purpose.

Rights in data, documents, images, videos and other content provided by the Client remain with the Client or the respective rights holders. The Client grants beppo the rights of use and processing required to perform the contract and shall ensure that it is authorised to do so.

Each party shall treat as confidential any non-public commercial, technical, financial and organisational information of the other party that becomes accessible to it in connection with the contractual relationship and is recognisable as confidential in the circumstances, and shall use such information only for the performance of the contract.

The confidentiality obligation does not apply to information that can be shown to be publicly known, was already lawfully known to the receiving party, was obtained from an authorised third party without a confidentiality obligation, or was independently developed.

Disclosure is permitted where required by law, an authority or a court, or where necessary for the performance of the contract to employees, auxiliary persons or advisers who are subject to corresponding obligations. The confidentiality obligation applies during the term of the contract and for five years thereafter; for trade secrets, for as long as protection is required.

6. User accounts and authority to represent

Persons to whom the Client grants access to applications, portals or other beppo systems are deemed, vis-à-vis beppo, to be authorised to use them in accordance with the contract and to record and process cases.

The Client is responsible for granting access rights only to authorised persons, reviewing them regularly and revoking them without undue delay when the authorisation ceases. Access credentials must be kept confidential; suspected or identified misuse must be reported to beppo without undue delay.

Actions taken through a user account assigned to the Client are attributed to the Client unless it demonstrates that access was unauthorised despite appropriate security measures and that beppo was informed without undue delay.

7. Liability

7.1 Liability of beppo

beppo has unlimited liability for damage caused intentionally or through gross negligence by beppo or an auxiliary person engaged by beppo, and where liability is mandatory by law.

In cases of slight negligence, beppo is liable only for direct damage that, at the time the contract was entered into, was typically foreseeable in light of the nature and scope of the contract and resulted from a breach of an essential contractual obligation.

7.2 Excluded damage

To the extent permitted by law and except in cases under clause 7.1, beppo is not liable for indirect damage, consequential damage, loss of profit, unrealised savings or pure reputational damage.

7.3 Client’s area of responsibility and external systems

beppo is not liable for damage or disadvantages to the extent they are attributable to inaccurate, incomplete, late or unlawfully collected information, data, evidence or instructions of the Client and beppo is not itself at fault.

The same applies to outages or disruptions of external systems that are outside beppo’s reasonable sphere of influence.

7.4 Force majeure

Neither party is liable for delayed or omitted performance of contractual obligations to the extent this results directly from events outside its reasonable sphere of influence that could not have been prevented despite appropriate precautions. The affected party shall, where possible, inform the other party without undue delay and reasonably mitigate the effects. Payment obligations for services already rendered remain unaffected.

8. Notices and contractual amendments

8.1 Notices

Legally relevant notices may be given in verifiable text form, in particular by email, unless the law or the individual contract requires a stricter form.

8.2 Amendments to these GTC

beppo may use the then-current version of these GTC.

For existing contractual relationships, beppo may amend these GTC to the extent that the amendments do not have a materially adverse effect on the Client.

Changes to the principal performance obligations, prices or remuneration, allocation of liability, contract term or termination rights, and any other material restrictions on the Client’s rights are not covered by this amendment right and require the Client’s express consent in text form.

beppo shall notify the Client of amendments in text form before their intended effective date.

If the Client does not object to the amendment in text form, the amended version is deemed agreed from that date. If the Client objects in due time, the previous version continues to apply. The termination rights of both parties remain unaffected.

9. Severability

If any provision of these GTC is wholly or partly invalid or unenforceable, the remaining provisions remain unaffected. The applicable statutory provision shall replace the invalid or unenforceable provision. Where a contractual supplement is required, the parties shall agree on a legally permissible provision that comes as close as possible to the economic purpose of the original provision.

In the event of any discrepancy between the different language versions, the German-language version shall prevail.

10. Governing law

All contractual relationships between beppo and the Client are governed by substantive Swiss law. Conflict-of-laws rules that would lead to the application of another law are excluded to the extent permitted by law.

11. Jurisdiction

The competent courts in Zurich have jurisdiction over disputes arising out of or in connection with the contractual relationship, unless mandatory law provides for a different place of jurisdiction.