Terms of Service

Effective Date: February 17, 2026

Welcome to the digital platforms operated by Expat Digital Group LLC ("Company," "we," "us," or "our"). By accessing our websites (including expat-savvy.ch, offlist.ch, and relofinder.ch), you agree to be bound by these Terms of Service.

1. Nature of Services

Expat Digital Group LLC operates lead generation and informational websites focused on the Swiss relocation and insurance markets. We serve as a digital media and marketing platform connecting users with specialized service providers.

2. No Professional Advice

Expat Digital Group LLC is a marketing and media company. We do not provide legal, tax, financial, or insurance advice.

We are not an insurance broker, a real estate agency, or a legal firm. All content provided on our websites is for informational purposes only and should not be construed as professional advice. You should consult with qualified professionals before making any decisions based on the information found on our platforms.

3. Third-Party Services

Our platforms facilitate connections between users and third-party service providers (e.g., insurance brokers, relocation agents). We do not provide these services directly. We are not responsible or liable for:

• The quality, accuracy, or legality of services provided by third parties.
• Any contracts, agreements, or disputes arising between you and a third-party provider.
• Any loss or damage resulting from your interactions with third parties.

4. Affiliate Disclosure

We may receive commissions, referral fees, or other compensation from third-party partners for leads generated or referrals made through our websites. This allows us to provide informational content to users at no direct cost.

5. Limitation of Liability

To the maximum extent permitted by law, Expat Digital Group LLC and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the use of our websites or the services of our partners.

6. Ownership of Content

All content, including text, logos, designs, and code on our websites, is the property of Expat Digital Group LLC and is protected by copyright and intellectual property laws. You may not reproduce or distribute any content without our prior written consent.

7. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of New Mexico, USA, without regard to its conflict of law principles. Any legal action arising from these terms shall be brought in the courts located in New Mexico.

8. Contact

For questions regarding these Terms, please contact us at info@expat-savvy.ch.