General Terms and Conditions (GTCs)

Art. 1 Scope of Application

  1. These General Terms and Conditions (GTCs) govern the contractual relationships between Hypohaus AG, Webergasse 5, 9000 St. Gallen (hereinafter “Hypohaus”) and its customers (hereinafter “Customer”).
  2. These GTCs govern the contractual relationship between Hypohaus and the Customer. If the parties sign a cooperation agreement and any authorization to obtain information, such agreements shall prevail over these GTCs. Conflicting or deviating terms and conditions of the Customer will not be accepted unless Hypohaus has expressly agreed to them in writing in an individual case.
  3. These provisions apply both to private consumers and to entrepreneurs or businesses. A consumer for purposes of these GTCs is any natural person who uses Hypohaus’ services for purposes that predominantly are not attributable to their commercial or self-employed professional activity but rather to their private needs and do not exceed customary private consumption. An entrepreneur for purposes of these GTCs is any natural or legal person or partnership with legal capacity acting in the exercise of its commercial or self-employed professional activity.
  4. Hypohaus may supplement or amend the GTCs at any time at its sole discretion. The current version of the GTCs can be accessed on the website hypohaus.ch/en/gtc.

Art. 2 Information and Declarations to Hypohaus

  1. Signature regulations and authorizations to obtain information notified to Hypohaus in writing shall apply exclusively in relation to Hypohaus and until revoked in writing, regardless of any differing entries in the commercial register or other publications.
  2. In order to use Hypohaus’ services, the Customer undertakes to provide truthful and complete information. If a Customer fails to comply with this obligation, Hypohaus expressly reserves the right to reject the Customer’s request. Furthermore, Hypohaus assumes no liability for incorrect or false information provided by the Customer.
  3. In the area of real estate financing, Hypohaus cooperates with various financing partners. After a contract has been concluded, the Customer enters into a separate business relationship directly with the financing partner. Any changes in this business relationship are agreed directly between the partners and the Customer and do not affect the rights and obligations between Hypohaus and the Customer.

Art. 3 Subject Matter of the Contract

  1. The Customer engages Hypohaus to prepare customer-specific financing files and subsequently identify suitable financing partners for a real estate financing transaction. For this purpose, the parties usually enter into a cooperation agreement, which shall prevail over these provisions.
  2. Hypohaus decides in each individual case, at its sole discretion, which services it will provide to the Customer. These services are limited to services related to real estate financing.
  3. Hypohaus reserves the right to adjust the scope of services at any time without stating reasons. Such changes will be communicated to the Customer in an appropriate manner.
  4. Hypohaus has the right, at its sole discretion, to terminate existing business relationships at any time with immediate effect.

Art. 4 Warranty and Liability

  1. Hypohaus informs the Customer about the risks associated with real estate financing transactions. However, the Customer bears the risk associated with entering into a real estate financing transaction solely and on their own responsibility.
  2. Hypohaus is not liable for any services of any kind provided by financing partners. Hypohaus is not liable even if it has identified or recommended the financing partner to the Customer under the cooperation agreement.
  3. Any damage and all risks associated with the use of mail, telegraph, telephone, telex, smartphone, computer, other means of transmission, or transport companies—particularly loss, irregularities, delay, misunderstandings, duplicate transmissions, etc.—shall be borne exclusively by the Customer.
  4. The Customer has the duty and bears the sole risk to provide Hypohaus with all documents and information necessary for the provision of the services, truthfully and in full.

Art. 5 Data Protection

  1. Reference is made to the provisions in the cooperation agreement, to the separate legal notice (imprint), and to the separate Privacy Policy on the website hypohaus.ch/en.

Art. 6 Final Provisions

  1. These GTCs are governed exclusively by Swiss law.
  2. The place of jurisdiction for disputes arising out of or in connection with this contractual relationship—subject to mandatory places of jurisdiction—between Hypohaus and its Customers is St. Gallen, Switzerland.
  3. The rights and obligations arising from the contractual relationship between Hypohaus and the Customer may not be assigned or otherwise transferred in whole or in part by the Customer to third parties without the prior written consent of Hypohaus.
  4. If one or more provisions of these GTCs are or become wholly or partially invalid, the validity of the remaining provisions shall not be affected. Any invalid or void provision shall be replaced by a new, legally permissible provision that comes as close as possible to the economic intent of the invalid or void provision. If an invalid provision is not subsequently corrected, an applicable statutory provision shall apply in its place by analogy.


Terms of Use

Use of the Website

Access to and use of this website are subject to the following terms. By accessing this website, you acknowledge the legally binding effect of these Terms of Use.

This website is operated by Hypohaus AG, Webergasse 5, 9000 St. Gallen, Switzerland (hereinafter “Hypohaus”), in cooperation with the developer outperform gmbh, Fürstenlandstrasse 142, 9014 St. Gallen.

Data Protection

For information on the protection of your data, please refer to our Privacy Policy. This applies to all data and materials published on this website.

Content Provided by You

Hypohaus may publish content provided by you (e.g., recommendations, reviews, images) on this website.

You represent and warrant to Hypohaus that you are either the author of the content you provide and which is published on our website, or that you have the right (or corresponding permission from the rights holder) and are authorized to contribute such content (e.g., recommendations, reviews, images).

You hereby agree that such content will be treated as non-confidential and grant Hypohaus a free, perpetual license to use such content for business purposes (including, in particular, disclosure, reproduction, publication, and adaptation).

Hypohaus may use such content for advertising, promotional, or other purposes. Hypohaus shall decide this at its sole discretion, and there is no entitlement to compensation.

No Offer

The information and calculation tools contained on our website are provided for information purposes only and do not constitute a binding offer. We are happy to provide you with a personalized and tailored offer in person.

License to Use

All information, documents, and images published on this website are the exclusive intellectual property of Hypohaus or, where applicable, its licensors. Permission to use them is granted subject to the conditions that the copyright notice appears on all copies (e.g., “© 2025 Hypohaus AG”), the information is used only for personal purposes and not for commercial exploitation, the information is not modified in any way, and all images from the website are used only together with the associated text.

Copyright photography St. Gallen: Kurzschuss Photography GmbH.

Trademarks, Copyrights, and Other Intellectual Property Rights

Any unauthorized use of the information, documents, and images published on this website is expressly prohibited and constitutes an infringement of Hypohaus’ trademark rights, copyrights, or other intellectual property rights.

Limitation of Liability

Hypohaus has compiled the information you find on this website from internal and external sources to the best of its knowledge and with professional due care. We endeavor to continuously expand and update this information offering. The information on this website is intended solely to present Hypohaus and its products and services.

However, we make no guarantees—express or implied—as to the completeness or accuracy of the information on this website. In particular, you should be aware that such information may no longer be current. For this reason, you should verify any information obtained from this website before using it in any form.

If you require specific advice or instructions regarding our products or services, please contact us directly. Users of this website agree to access this website and its content at their own risk.

Neither Hypohaus nor any third party involved in the creation, production, or delivery of this website shall be liable for any damages or injuries arising from access or inability to access, use or inability to use this website, or reliance on information contained on this website.

Third-Party Websites / Links

This website also contains links or references to third-party websites. Such links do not constitute an endorsement of the content of those websites by Hypohaus. Hypohaus assumes no responsibility for the availability or content of such websites and no liability for damages or injuries resulting from the use of such content, regardless of the form of use. Links to other websites are provided solely as a convenience to users of this website. Access to such websites is at the user’s own risk.

Contact

This website is operated by Hypohaus AG, Webergasse 5, 9000 St. Gallen, and outperform gmbh, Fürstenlandstrasse 142, 9014 St. Gallen.

If you have any questions or suggestions regarding the website, please contact us:

  • by email at kontakt@hypohaus.ch, or
  • by mail at Hypohaus AG, Webergasse 5, 9000 St. Gallen, Switzerland.

Termination of Use

We reserve the right to terminate your use of the website at any time and for any reason, without prior notice. We also reserve the right to discontinue operation of the website at any time, without prior notice and without stating reasons.

Governing Law and Jurisdiction

You and Hypohaus agree that all disputes or claims arising out of or in connection with the use of this website are subject to Swiss law and fall within the exclusive jurisdiction of the Swiss courts at the registered office of Hypohaus.

Amendments to the Terms of Use

We reserve the right to modify our website and these Terms of Use in whole or in part at any time, at our sole discretion, and without notice, and/or to discontinue operation of the website. It is therefore your responsibility to review these Terms of Use again upon your next visit to this website and to take note of any changes or additions.

Status: December 2025

Enter your
text here