The following terms of use serve to clearly regulate the use of the Propera AG website, Schützengasse 7, 9000 St. Gallen (hereinafter Propera) and the Propera services used. By accessing this website (hereinafter Propera website), you acknowledge the legally binding effect of the terms of use stated here. Propera reserves the right to amend these Terms of Use at any time within the framework of legal requirements. The terms of use available on the website apply. If the customer obtains paid services from Propera, the General Terms and Conditions valid at that time also apply.Any content or service on the Propera Website is for informational purposes only. They are expressly not to be regarded as binding offers for fee-based consulting services, unless this is explicitly stated. No warranties, expressed or implied, are made with respect to the accuracy, completeness, availability and reliability of the information and services on the Propera website, including but not limited to the warranties of copyright and other rights, merchantability or fitness for a particular purpose. The information provided on the Propera website does not relieve the user of the need to make their own decisions or assessments. Propera reserves the right to change any content without prior notice. Propera makes no commitment to update or keep current the information contained herein.Certain functions of the website are only available to registered users. For users who register on the Propera website, Propera sets up password-protected direct access to their user information stored at Propera. Here users can view the services used by Propera at any time and manage user information. Registered users undertake to treat their personal access data confidentially and not to make it accessible to unauthorized third parties. Propera assumes no liability for misused passwords. Electronic access to the customer areas of the Propera website is personal and can be revoked by Propera at any time without giving reasons.The comparison and rating services on the Propera website are for informational purposes only. The results of the comparisons or reviews do not constitute an advertisement, offer or recommendation to purchase or use the recommended products or services. In particular, Propera does not guarantee that the recommended products and services are actually the most suitable for the user.To the maximum extent permitted by law, Propera and its employees shall not be liable for any direct or indirect loss, liability, cost, demand, expense or damage of any kind whatsoever arising out of or related to the use of this website. This also applies to damage caused by slight negligence, or where Propera was informed of the possibility of such damage consequences.The Propera Website may contain third party content or services or links to third party websites. Propera has no control over the content, services or websites of third parties, assumes no responsibility or warranties for such content, services or websites and makes no representations with respect thereto. This also includes the correctness, the content, the quality or the topicality of this content, services or websites. In particular, Propera is not liable for the content, services or websites of third parties or for websites on which the Propera website is linked or shown in frames.With regard to data protection, the separate data protection declaration that can be viewed on the Propera website applies, which you accept by using the website.All right, title and interest (including copyrights, trademarks, patents and other intellectual property rights and other rights) in, to and from all information and content (including all text, data, graphics and logos) on the Propera website remain with Propera or the respective rights holder. Individual pages and/or parts of the Propera website may only be printed out for private or internal use. Users are prohibited, among other things, from modifying, copying, modifying, copying, in whole or in part, any information, text, graphics, images, video clips, directory, database or list originating from the Propera website without Propera's prior written consent send, share, display, perform, reproduce, publish, license, frame on a website, transmit, and create derivative works from or otherwise exploit any of the foregoing for any commercial or public purpose. Systematically retrieving any Content from the Propera Website to compile, directly or indirectly, a collection or database or directory, or to link to the Propera Website, is prohibited unless otherwise authorized by Propera.If you have any questions about the website, please send them to: info@propera.ch St. Gallen, February 2023