General Terms & Conditions

Swiss Insurance Family Office (SIFO), Last updated: 15 October 2026

1. Introduction

These General Terms & Conditions (“Terms”) govern access to and use of the website operated by Swiss Insurance Family Office (“SIFO”, “we”, “us” or “our”).

By accessing or using this website, you acknowledge that you have read and understood these Terms. If you do not agree with these Terms, please refrain from using the website.

These Terms apply to the website and its content. Any insurance, advisory, brokerage or other services provided by SIFO may be subject to separate agreements, policies and contractual conditions.

2. About SIFO

Swiss Insurance Family Office provides information concerning international life insurance and financial protection solutions, including income protection, liquidity planning, wealth preservation, family protection and legacy planning.

The nature and scope of services available depend on the relevant contractual arrangements, the applicable regulatory framework and the circumstances of each client.

Company details

Swiss Insurance Family Office (SIFO)
Legal entity: Swiss Insurance Family Office Ltd
Registered address: Habüelstrasse 14, 8704 Herriberg / Zurich, Switzerland
Email: info@swissifo.com
Website: www.swissifo.com

3. Purpose and Nature of Website Content

The information provided on this website is intended for general informational purposes only.

It may include descriptions of insurance solutions, financial protection strategies, planning concepts and related services. Such information is not intended to constitute an individual recommendation, an offer to enter into a contract, or a guarantee that a particular product or solution is suitable for any individual.

Information published on this website does not, by itself, establish a client relationship or an obligation on SIFO to provide services.

Any engagement with SIFO will be subject to the relevant discussions, eligibility requirements, contractual arrangements and applicable legal provisions.

4. No Guarantee of Completeness or Accuracy

We endeavour to ensure that the information on this website is accurate and up to date. However, we make no general representation or warranty that all information is complete, current, accurate or free from errors or omissions.

Information may be changed, updated or removed at any time without prior notice.

Users should independently verify any information relevant to their circumstances before making decisions based on it.

5. No Individual Financial, Legal or Tax Advice

Unless expressly agreed in a separate written engagement, the information provided on this website does not constitute individual financial, investment, legal, tax, estate-planning or other professional advice.

Financial and insurance decisions may have significant legal, tax and financial consequences, particularly where clients, assets, insurers or beneficiaries are located in different jurisdictions.

Users should obtain independent professional advice appropriate to their individual circumstances before entering into insurance arrangements or making financial, tax or estate-planning decisions.

6. Insurance Products and Third-Party Providers

Where relevant, SIFO may provide information about or facilitate contact with insurance companies, insurance intermediaries and other service providers.

Insurance products are subject to the terms, conditions, exclusions, eligibility criteria, underwriting requirements and acceptance procedures of the relevant insurer.

Any insurance coverage is governed by the applicable insurance policy and the contractual relationship with the insurer. Coverage does not commence merely because a product is described on this website or an enquiry is submitted.

SIFO does not guarantee that an insurance application will be accepted, that coverage will be provided, or that a particular insurer or product will remain available.

Where a third-party insurer or provider is responsible for issuing or administering a product, its own contractual terms and documentation will apply.

7. International Use and Jurisdictional Restrictions

SIFO serves an international audience. However, insurance products and related services may not be available or permitted in every country or jurisdiction.

Access to information on this website does not mean that any product or service is available, suitable or legally permissible in the user's country of residence.

The availability of services may depend on residency, nationality, regulatory requirements, insurer restrictions and other relevant factors.

Users are responsible for complying with applicable laws and regulations when accessing or using information on this website.

8. No Guarantee of Financial Outcomes

Any examples, illustrations, scenarios or descriptions of potential benefits are provided for explanatory purposes only, unless expressly stated otherwise in the relevant contractual documentation.

Actual outcomes may vary depending on policy terms, premiums, charges, underwriting decisions, insurer performance, applicable taxes, exchange rates, legal requirements and individual circumstances.

SIFO does not guarantee any particular financial outcome, tax treatment, investment return, insurance benefit or estate-planning result unless expressly provided for in a binding agreement.

9. Intellectual Property

Unless otherwise indicated, the content of this website, including text, graphics, logos, designs, images and other materials, is owned by or licensed to SIFO and is protected by applicable intellectual property laws.

You may access and use the website for personal, non-commercial purposes.

You may not reproduce, distribute, modify, publish or commercially exploit website content without our prior written permission, except where permitted by applicable law.

The SIFO name, logo and associated branding may not be used without prior authorisation.

10. Acceptable Use

You agree to use this website lawfully and responsibly.

You must not:

Use the website for unlawful, fraudulent or misleading purposes.
Attempt to gain unauthorised access to the website, its systems or associated data.
Interfere with the security, operation or availability of the website.
Introduce malicious software or undertake activities that could damage the website or its users.
Copy, scrape or systematically extract website content in a manner that violates applicable law or our rights.

We reserve the right to restrict access to the website where reasonably necessary to protect its security, integrity or lawful operation.

11. Third-Party Websites and Services

This website may contain links to external websites, insurers, business partners or other third-party services.

Such links are provided for convenience or informational purposes. Unless expressly stated otherwise, SIFO does not control and is not responsible for the content, availability, security or privacy practices of external websites.

Accessing third-party websites is at your own discretion and subject to their respective terms and policies.

12. Limitation of Liability

To the extent permitted by applicable law, SIFO shall not be liable for any loss or damage arising from or in connection with:

Reliance on information published on this website without appropriate independent verification.
Errors, omissions or changes in website content.
Temporary unavailability, technical interruptions or security incidents affecting the website.
The content, acts or omissions of third-party websites or service providers.
Decisions made on the basis of general information published on this website.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law, including liability that cannot lawfully be excluded under Swiss law.

Any liability arising under a separate written agreement will be governed by that agreement and applicable law.

13. Data Protection

The processing of personal data in connection with this website is governed by our separate Data Protection & Privacy Policy, available on this website. Please review the Privacy Policy for information about the personal data we collect, the purposes for which it is processed, disclosures to third parties, international transfers and your applicable data protection rights.

14. Changes to These Terms

SIFO reserves the right to amend these Terms from time to time to reflect changes in its activities, website functionality or applicable legal requirements.

The latest version will be published on this website with the date of the most recent update.

Your continued use of the website after updated Terms are published will be subject to applicable law and any requirements concerning notice or acceptance.

15. Severability

If any provision of these Terms is found to be invalid, unlawful or unenforceable, the remaining provisions shall continue to apply to the extent permitted by applicable law.

16. Applicable Law and Jurisdiction

These Terms shall be governed by the substantive laws of Switzerland, excluding its conflict-of-law rules, unless mandatory applicable law provides otherwise.

Subject to mandatory legal provisions, the courts at Zurich, Switzerland shall have jurisdiction over disputes arising out of or in connection with these Terms.

17. Contact

For questions, requests or concerns relating to privacy and personal data, please contact:

Swiss Insurance Family Office (SIFO)
Email: info@swissifo.com
Address: Habüelstrasse 14 - 8704 Herrliberg / Zurich, Switzerland
Website: www.swissifo.com