My Genny
Everything you're agreeing to when you use My Genny — minus the legal headache. Skim the 60-second summary or read the full terms. Your call.
Questions? We're humans (mostly). Reach us at:
[support@mygenny.ch]
My Genny · K2G Holding AG · Switzerland
No time to read the full Terms? Here's the important part.
This summary is for convenience only. If it differs from the Terms below, the Terms prevail.
My Genny helps you understand, compare and manage your Swiss insurance. We are not an insurer, and your Insurance Contracts are always with the relevant Insurer.
If Insurance Intermediation Services are required, they are provided by a licensed Intermediary under a separate Insurance Intermediation Mandate.
AI helps operate the Platform but may make mistakes. Please review important information before making decisions.
Basic is free. Autopilot is paid by subscription. Concierge follows a different remuneration model, as explained in these Terms.
Your personal data is processed in accordance with Swiss law and our Privacy Policy.
You can stop using Basic at any time or cancel your Subscription in accordance with these Terms.
Unless the context requires otherwise, the following capitalised terms have the meanings set out below.
This Part applies to everyone.
My Genny is a digital insurance platform operated by K2G.
These Terms govern your use of the Platform and, where applicable, the Platform Agreement for Managed Services.
These Terms govern access to and use of My Genny.
For Customers using Managed Services, they also govern the Platform Agreement between K2G and the Customer.
The Insurance Intermediation Mandate is a separate agreement between the Customer and the appointed Intermediary.
My Genny offers:
The features of each Subscription are described in these Terms.
Insurance Contracts are concluded exclusively between the Customer and the relevant Insurer.
Nothing in these Terms creates insurance coverage.
K2G does not provide regulated insurance intermediation unless acting through the appointed licensed Intermediary.
By using My Genny, you agree to these Terms.
Customers subscribing to Managed Services also enter into the Platform Agreement.
Insurance Intermediation Services require a separate Insurance Intermediation Mandate.
These Terms may be made available in multiple languages.
Unless mandatory law provides otherwise, the German version prevails.
This Section applies to all Users and Customers.
You must use My Genny lawfully, keep your account secure and provide accurate information.
You may use My Genny only if you:
Certain Platform Services require a User account.
You are responsible for:
K2G may require identity verification where reasonably necessary for security, fraud prevention, legal compliance or access to particular Platform Services.
You must ensure that information submitted through the Platform is complete, accurate and current.
K2G may rely on that information when providing Platform Services. Where you use Managed Services, the Intermediary may rely on it when providing Insurance Intermediation Services.
You must promptly correct information that becomes inaccurate or incomplete.
You may use My Genny only for legitimate insurance-related purposes and in accordance with these Terms.
You must not:
K2G may communicate with you through the Platform, email, SMS, telephone, push notification or another agreed communication channel.
Electronic communications satisfy any requirement for written communication unless mandatory law requires a different form.
K2G may suspend or restrict access where reasonably necessary to:
Where reasonably practicable, K2G will inform you of the suspension and its reason.
K2G may update, improve, replace or discontinue Platform functionality from time to time.
My Genny may be unavailable because of maintenance, updates, technical failures, cybersecurity measures, third-party systems or events outside K2G’s reasonable control.
Further provisions concerning availability and liability are set out in Sections 14 and 15.
You may stop using Basic at any time.
Termination of Managed Services, the Platform Agreement, the separate Insurance Intermediation Mandate and Insurance Contracts is governed by Section 16 and the relevant separate agreements.
Basic provides free access to selected Platform Services to help Users understand and compare insurance products.
Basic is intended for informational purposes and does not include Managed Services.
Basic enables Users to access selected Platform Services made available by K2G free of charge.
Available functionality may include:
The functionality available under Basic may change from time to time.
Basic does not include:
Where a User decides to purchase an insurance product while using Basic, the relevant Insurance Contract is concluded directly between the User and the Insurer.
K2G is not a party to the Insurance Contract.
K2G may modify, suspend or discontinue Basic or individual Platform Services at any time.
Where reasonably practicable, Users will be informed of material changes.
Artificial intelligence is an integral part of My Genny.
AI supports Platform Services by analysing information, generating explanations and assisting Users and Customers throughout their interaction with the Platform.
My Genny uses artificial intelligence to support the operation of the Platform.
Depending on the functionality being used, AI may:
Artificial intelligence supports Users, Customers, K2G and, where applicable, the appointed Intermediary in carrying out Platform Services and Managed Services. AI does not independently conclude Insurance Contracts, exercise legal authority, provide regulated Insurance Intermediation Services or legally represent the Customer.
AI-generated outputs are automatically generated and may not always be complete, accurate or up to date.
Users and Customers remain responsible for reviewing information before making decisions based upon it.
K2G may improve, modify or replace the artificial intelligence technologies used within My Genny in order to improve functionality, accuracy, security and the overall user experience.
Such improvements do not require amendments to these Terms.
Certain AI features may:
K2G does not guarantee that every AI feature will always remain available.
This Part applies only to Customers using Autopilot or Concierge.
Managed Insurance Services assist Customers in managing their insurance portfolio throughout its lifecycle.
K2G provides Managed Insurance Services through My Genny.
Managed Insurance Services consist of digital administrative, organisational and support services provided through the Platform. Where the provision of regulated Insurance Intermediation Services is required, such services are performed exclusively by the appointed Intermediary under the separate Insurance Intermediation Mandate.
The scope depends on the selected Subscription.
Managed Insurance Services may include:
The services available depend on the selected Subscription.
Managed Insurance Services are provided based on the Customer's information and instructions.
The Customer is responsible for ensuring that they are accurate and complete.
K2G may improve or modify Managed Insurance Services from time to time.
Such changes do not require amendments to these Terms.
Customers subscribing to Managed Services enter into a Platform Agreement with K2G.
The Platform Agreement governs K2G's provision of Managed Services.
The Platform Agreement is concluded when the Customer subscribes to Managed Services and accepts these Terms.
Under the Platform Agreement, K2G provides the Managed Services selected by the Customer through My Genny.
The scope of the Managed Services depends on the selected Subscription.
The Platform Agreement remains in force until terminated in accordance with these Terms.
Insurance Intermediation Services are performed by the appointed Intermediary in accordance with applicable law and the separate Insurance Intermediation Mandate.
Where Insurance Intermediation Services are required, they are performed exclusively by the appointed Intermediary.
Insurance Intermediation Services may include:
The Intermediary acts only on the Customer's instructions and within the scope of the Insurance Intermediation Mandate.
Insurance Intermediation Services require a separate Insurance Intermediation Mandate between the Customer and the appointed Intermediary.
The Insurance Intermediation Mandate is concluded separately from these Terms.
Its content, scope and termination are governed exclusively by that separate agreement.
If K2G appoints a different Intermediary, the existing Insurance Intermediation Mandate does not transfer automatically.
Before the newly appointed Intermediary may perform Insurance Intermediation Services on behalf of the Customer, the Customer must grant a new Insurance Intermediation Mandate.
My Genny is available under different Service Models. Depending on the selected Service Model, different services, features and fees apply.
K2G offers the following Service Models:
K2G may introduce, modify or discontinue Service Models.
Applicable fees are published on the Platform.
Unless stated otherwise:
Subscription fees are charged using the payment method selected by the Customer.
Payments are processed through K2G's designated payment service provider.
Recurring subscriptions continue until cancelled.
The Customer is responsible for maintaining valid payment information.
Subscriptions renew automatically unless cancelled before the end of the current billing period.
Cancellation takes effect at the end of the current billing period.
K2G may change Service Models, features or fees.
Where a change materially affects an existing Service Model, K2G will provide reasonable prior notice.
The remuneration model depends on the selected Subscription.
For Basic and Autopilot, neither K2G nor the Intermediary receives remuneration from insurers in connection with insurance products recommended or concluded through My Genny.
Autopilot is funded exclusively through subscription fees paid by Customers.
Under the Concierge plan, the Intermediary receives remuneration from insurers in connection with insurance products arranged through My Genny.
K2G provides the technology platform and related services to the Intermediary under a separate commercial agreement.
The existence and nature of such remuneration will be disclosed to the Customer in accordance with applicable law.
Where disclosure obligations apply, the relevant information will be provided before the Customer concludes an Insurance Contract.
K2G processes personal data in accordance with applicable law and the Privacy Policy.
K2G processes personal data only as reasonably necessary to:
K2G may disclose personal data where reasonably necessary to provide the agreed services or where required by law.
Recipients may include:
Further information regarding the processing of personal data, including data subject rights, retention periods, international transfers and security measures, is set out in the Privacy Policy.
The Privacy Policy forms part of these Terms.
My Genny and its content belong to K2G or its licensors.
These Terms grant you a limited right to use the Platform but do not transfer ownership of any intellectual property.
All intellectual property rights in My Genny, including its software, content, technology, trademarks, databases, documentation and other Platform materials, are owned by or licensed to K2G.
Nothing in these Terms transfers ownership of any intellectual property rights to the User or Customer.
Subject to these Terms, K2G grants the User and Customer a limited, non-exclusive, non-transferable and revocable licence to access and use My Genny for its intended purpose.
The User or Customer retains ownership of content uploaded to the Platform.
The User or Customer grants K2G a non-exclusive, royalty-free licence to use such content solely to:
K2G may freely use suggestions or feedback relating to My Genny without compensation.
Except where permitted by law, Users and Customers must not:
My Genny is provided "as is" and "as available."
K2G does not guarantee that the Platform or its outputs will always be complete, accurate or uninterrupted.
To the fullest extent permitted by law, My Genny is provided without express or implied warranties, including warranties of:
Information, comparisons and other Platform outputs are provided for general informational purposes.
Users and Customers remain responsible for reviewing relevant information before making decisions.
K2G does not warrant that:
All underwriting and claims decisions remain the responsibility of the relevant Insurer.
K2G does not guarantee that use of My Genny will result in financial savings, improved insurance coverage or any particular commercial outcome.
Nothing in these Terms excludes warranties or rights that cannot be excluded under mandatory applicable law.
K2G is liable only to the extent provided by applicable law and these Terms.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded.
Without limitation to the foregoing, nothing in these Terms excludes or limits liability for wilful misconduct or gross negligence where such exclusion or limitation is prohibited by applicable law.
Subject to Section 15.1, K2G shall not be liable for indirect, incidental, consequential or special damages, including:
K2G is not responsible for:
Subject to mandatory law, K2G's aggregate liability arising out of these Terms shall not exceed the greater of:
The User or Customer may stop using My Genny at any time.
K2G may suspend or terminate access where reasonably necessary.
These Terms remain in force while the User or Customer uses My Genny.
Customers may terminate subscriptions or close their accounts at any time in accordance with the applicable subscription terms.
K2G may suspend or terminate access where:
Where reasonably practicable, prior notice will be given.
Upon termination:
Termination of these Terms does not automatically terminate any Insurance Contract or any separate agreement between the Customer and third parties.
Provisions relating to:
survive termination.
K2G may update these Terms from time to time to reflect changes to the Platform, applicable law or business operations.
Where changes materially affect Users or Customers, reasonable prior notice will be provided.
K2G may amend these Terms where reasonably necessary, including to reflect:
Updated Terms will be published on the Platform.
Where changes materially affect Users or Customers, K2G will provide reasonable prior notice.
Continued use of My Genny after updated Terms become effective constitutes acceptance of those Terms.
If you do not agree with the changes, you must stop using the Platform and may terminate your subscription in accordance with Section 16.
These Terms are governed by Swiss law.
Disputes shall be resolved by the competent courts in Zurich, Switzerland, unless mandatory law provides otherwise.
These Terms and any non-contractual obligations arising from them are governed by the substantive laws of Switzerland.
The Swiss rules on conflicts of laws and the United Nations Convention on Contracts for the International Sale of Goods (CISG) do not apply.
Unless mandatory law provides otherwise, the exclusive place of jurisdiction shall be Zurich, Switzerland.
Before commencing legal proceedings, the parties should use reasonable efforts to resolve disputes through good-faith discussions.
Nothing in this Section prevents either party from seeking interim or injunctive relief where permitted by law.
My Genny is operated by K2G.
Questions regarding the Platform or these Terms may be directed to K2G using the contact details below.
K2G Holding AG
Blegistrasse 9, 6340 Baar, Zug
Switzerland
Commercial Register: CHE-203.555.353
Email:
support@mygenny.ch
Website:
www.mygenny.ch
Further information is available in the Privacy Policy.
These provisions ensure that the remaining parts of these Terms continue to operate even if individual provisions become invalid or are not enforced.
These Terms, together with the Privacy Policy and any documents expressly incorporated by reference, constitute the entire agreement between K2G and the User or Customer regarding My Genny.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.
The invalid provision shall be replaced, where possible, by a valid provision that most closely reflects its intended purpose.
A failure or delay to exercise any right under these Terms does not constitute a waiver of that right.
Any waiver must be made expressly in writing.
The User or Customer may not assign rights or obligations under these Terms without K2G's prior written consent.
K2G may assign these Terms to an affiliated company or successor in connection with a corporate reorganisation or transfer of the Platform.
Where permitted by law, communications and acceptances under these Terms may be made electronically.
Electronic communications satisfy any applicable requirement for written communication.
Any provision intended by its nature to survive termination shall remain in force, including provisions relating to:
Made in Switzerland 🇨🇭 by K2G Holding AG
Terms of Use & Platform Agreement · My Genny