Terms & Conditions

Terms & Conditions

These Terms & Conditions (“Terms”) govern your access to and use of all products, services, and websites operated by The Synergy Group AG (“TSG”, “we”, “us”, “our”), a Swiss limited company (Aktiengesellschaft) registered under CHE-497.254.492 with the Commercial Register of the Canton of Zürich.

By accessing our websites, subscribing to our services, or engaging us for consulting work, you (“Client”, “you”, “your”) agree to be bound by these Terms. If you do not agree, you must not use our services.

1. Company Information

The Synergy Group AG
c/o HAFIDA Treuhand AG
Dorfstrasse 59
8126 Zumikon, Switzerland
Email: andre@thesynergygroup.ch
Commercial Register: CHE-497.254.492

2. Scope of Services

TSG provides the following categories of services:

• SaaS Subscriptions — cloud-hosted software products including CoachPilot, JobTrackerPro, MoneyQuiz, and 101 Business Insights, accessible via web browser on a recurring subscription basis.
• Consulting & Project Services — bespoke technology consulting, website development, AI integration, and digital transformation engagements delivered on a project or retainer basis.
• Free Audit Tools — complimentary website audits and diagnostic tools offered without charge or obligation.
• Hospitality Services — booking and accommodation services operated under the Hillside Sanctuary brand.
• Coaching Services — financial coaching services operated under the Mindful Money Coaching brand.

3. Account Registration and Security

Certain services require you to create an account. You agree to:

• Provide accurate, current, and complete information during registration;
• Maintain the confidentiality of your login credentials;
• Accept responsibility for all activity that occurs under your account;
• Notify us immediately at andre@thesynergygroup.ch if you suspect any unauthorised access.

Authentication is managed through Clerk, a third-party identity provider. TSG does not store your password directly.

4. Subscriptions and Payment

4.1 Pricing

All prices are quoted in Swiss Francs (CHF) unless explicitly stated otherwise. Applicable value-added tax (VAT) is charged in accordance with Swiss law. Prices for SaaS subscriptions are published on the relevant product pages and may be updated with 30 days’ prior notice.

4.2 Payment Processing

Payments are processed by Stripe (Stripe Payments Europe, Ltd.). By subscribing, you authorise Stripe to charge your chosen payment method on a recurring basis according to your selected billing cycle (monthly or annual).

4.3 Billing Cycle

Subscriptions renew automatically at the end of each billing period. You may cancel at any time; cancellation takes effect at the end of the current billing period. No refund is issued for partial billing periods, except as provided in our Refund Policy.

4.4 Late Payment

If a payment fails, we will notify you and provide a grace period of 7 calendar days. If payment is not resolved within this period, we reserve the right to suspend access to the affected service. Default interest of 5% per annum applies in accordance with Art. 104 of the Swiss Code of Obligations (OR).

5. Consulting and Project Engagements

Consulting and project work is governed by a separate Statement of Work (SOW) or engagement letter agreed between the parties. These Terms apply as a baseline; in the event of conflict, the SOW takes precedence.

• Project fees are invoiced on a milestone basis as defined in the SOW.
• Payment terms are 30 days net from invoice date unless otherwise agreed.
• Change requests that materially alter scope require written agreement and may result in adjusted fees and timelines.

6. Intellectual Property

6.1 TSG Intellectual Property

All software, platforms, tools, documentation, designs, algorithms, branding, and proprietary methodologies developed by TSG remain the exclusive intellectual property of The Synergy Group AG. No licence, assignment, or transfer of TSG intellectual property is granted except the limited right to use the subscribed service during the subscription term.

6.2 Client Data and Content

You retain full ownership of all data, content, and materials you upload to or create within our services (“Client Data”). TSG does not claim any ownership rights over Client Data. We process Client Data solely to provide the services you have subscribed to, in accordance with our Privacy Policy.

6.3 Project Deliverables

For consulting and project engagements, intellectual property in bespoke deliverables transfers to the Client upon full payment, unless otherwise specified in the SOW. TSG retains the right to use general knowledge, techniques, and non-client-specific components developed during an engagement.

7. Acceptable Use

You agree not to:

• Use the services for any unlawful purpose or in violation of applicable laws;
• Reverse-engineer, decompile, or attempt to extract source code from our platforms;
• Circumvent security measures, access controls, or usage limits;
• Transmit malware, spam, or other harmful content through our services;
• Resell, sublicense, or redistribute access to the services without prior written consent;
• Use AI-powered features to generate content that violates applicable law or the rights of third parties.

TSG reserves the right to suspend or terminate accounts that violate these provisions, with or without notice depending on the severity of the breach.

8. AI-Powered Features

Certain services incorporate artificial intelligence features powered by third-party providers (Anthropic Claude, OpenAI, ElevenLabs, Deepgram). By using AI-powered features, you acknowledge that:

• AI-generated outputs are provided as assistance and should be reviewed by a qualified human before reliance;
• TSG does not guarantee the accuracy, completeness, or fitness for purpose of AI-generated content;
• Your data is processed on a request-scoped basis and is not used to train AI models;
• TSG acts as the data controller; AI providers act as data processors under appropriate data processing agreements.

9. Service Availability and Support

TSG targets 99.5% uptime for its SaaS products, measured on a monthly basis. This is a target, not a guarantee. Scheduled maintenance windows will be communicated with at least 48 hours’ notice where practicable.

Support is provided via email at andre@thesynergygroup.ch. Response times depend on your subscription tier and the nature of the enquiry.

10. Limitation of Liability

To the maximum extent permitted by Swiss law:

• TSG’s total aggregate liability under these Terms shall not exceed the amount you have paid to TSG in the 12 months preceding the event giving rise to the claim.
• TSG shall not be liable for indirect, incidental, consequential, or punitive damages, including loss of profit, loss of data, or business interruption.
• TSG shall not be liable for any loss arising from reliance on AI-generated outputs without independent verification.

Nothing in these Terms excludes or limits liability for (a) intentional misconduct or gross negligence (Art. 100 OR), (b) personal injury, or (c) any liability that cannot be excluded under mandatory Swiss law.

11. Warranty Disclaimer

Our services are provided “as is” and “as available”. To the extent permitted by Swiss law, TSG disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement. TSG does not warrant that the services will be uninterrupted, error-free, or free of security vulnerabilities.

12. Term and Termination

12.1 Subscriptions

Either party may terminate a subscription by providing notice before the end of the current billing period. Upon termination, your access to the service will continue until the end of the paid period, after which access will be revoked.

12.2 Data Export

Upon termination, you may request an export of your Client Data within 30 calendar days. After this period, TSG may delete your data in accordance with its data retention policy.

12.3 Termination for Cause

TSG may terminate your access immediately if you materially breach these Terms and fail to cure the breach within 14 days of written notice.

13. Confidentiality

Both parties agree to treat as confidential any proprietary or non-public information disclosed during the course of the engagement. This obligation survives termination for a period of 3 years, except for information that becomes publicly available through no fault of the receiving party.

14. Data Protection

TSG processes personal data in accordance with the Swiss Federal Act on Data Protection (nDSG) and, where applicable, the EU General Data Protection Regulation (GDPR). Full details are set out in our Privacy Policy and Compliance Information page.

15. Force Majeure

Neither party shall be liable for any failure or delay in performance resulting from circumstances beyond its reasonable control, including natural disasters, war, pandemic, government action, power failure, internet disruption, or third-party infrastructure outages.

16. Amendments

TSG may amend these Terms at any time. Material changes will be communicated via email to registered users and published on our website at least 30 days before taking effect. Continued use of the services after the effective date constitutes acceptance of the amended Terms.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced by a valid provision that most closely achieves the intended economic and legal purpose.

18. Entire Agreement

These Terms, together with our Privacy Policy, Refund Policy, End User Licence Agreement, and any applicable Statement of Work, constitute the entire agreement between you and TSG. They supersede all prior negotiations, representations, and agreements relating to the subject matter.

19. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the substantive laws of Switzerland, excluding the United Nations Convention on Contracts for the International Sale of Goods (CISG) and conflict-of-law provisions.

Any dispute arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the ordinary courts of Zürich, Switzerland.

For disputes exceeding CHF 100,000 in value, either party may elect to submit the dispute to arbitration under the Swiss Rules of International Arbitration administered by the Swiss Arbitration Centre, with the seat of arbitration in Zürich. The arbitration shall be conducted in English by a sole arbitrator appointed in accordance with the Swiss Rules.

20. Contact

For any questions regarding these Terms, please contact:

The Synergy Group AG
c/o HAFIDA Treuhand AG
Dorfstrasse 59
8126 Zumikon, Switzerland
Email: andre@thesynergygroup.ch