General Terms and Conditions (“GTC”)

1. What are our services?

We offer comprehensive medical, therapeutic and diagnostic services in the fields of gynaecology and obstetrics as well as human reproductive medicine (“Services”). Services related to medically assisted reproduction include, in particular, treatments for extracorporeal fertilisation (in vitro fertilisation (IVF) and intracytoplasmic sperm injection (ICSI)), intrauterine insemination (IUI) and cryopreservation of germ cells.

2. Who are we?

The services are provided either by Cada Clinics AG (Bellerivestrasse 36, 8008 Zurich, CHE-170.209.333) or by Cada Health AG (Bellerivestrasse 36, 8008 Zurich, CHE-499.863.124). In the following, we refer to Cada Clinics AG and Cada Health AG as ‘Cada’, “we” or ‘us’.

If you have any questions or other concerns, the best way to reach us is by email: [email protected].

3. What do these GTC regulate?

These GTC regulate the legal relationship between you and Cada (hereinafter collectively referred to as ‘Parties’ and individually as ‘Party’) when you use our services. The [App Terms of Use] (/en-ch/app-terms-of-use), which form an integral part of our Terms and Conditions. By using our app, you agree to the App Terms of Use without reservation.

4. Who do we treat?

Our services are aimed at natural persons who are legally competent (i.e. of legal age and capable of judgement).

By agreeing to these Terms and Conditions, you confirm that these requirements are met.

A further requirement is that the treatment is suitable, and in some cases indicated, for the person in question. In particular, the special legal requirements must be met in connection with reproductive procedures. We also reserve the right to refuse persons who are subject to other grounds for exclusion.

5. How does the treatment work?

As a rule, you first arrange a consultation appointment with us (e.g. via our website, by telephone or by email) or are referred by your gynaecologist. At the consultation appointment, we will inform you about the treatments available at Cada and what treatment options are generally available. If you are still interested in treatment, further appointments will follow, in particular for the purpose of taking and evaluating various samples (e.g. blood, urine, sperm), assessing suitability, etc. Based on your individual needs and wishes, we will create a personalised treatment plan tailored to you. You will be informed about the relevant treatments as the process progresses. Once you have been informed and given your written consent, the appropriate therapy can begin.

6. Involvement of third parties

Cada is entitled to involve third parties (e.g. laboratories) in the performance of its services. By agreeing to these GTC, you expressly consent to this.

7. Costs

The treatment costs are covered by compulsory health insurance (OKP). If services are provided at the expense of the OKP, the TARMED tariff structure (TARDOC from 2026) applies. This tariff structure is used to bill outpatient medical services in doctors' surgeries and hospitals with an individual service tariff. We will inform you of the costs of treatments that are not covered by OKP in our offer. Treatment costs that are communicated to you in any other way (e.g. verbally, on our websites or in brochures) are not binding and do not constitute an offer.

8. Payment for your treatment

Treatment costs must generally be paid in full immediately upon receipt of the invoice. Payment must be made by bank transfer to our bank account in Swiss francs (CHF). You agree to bear in full any fees and other transaction costs that may arise in connection with the bank transfer.

Cada reserves the right to carry out credit checks and address verifications and to pass on personal data to third parties for this purpose. Further information can be found in our privacy policy.

Alternatively, in cooperation with the third-party provider HeyLight AG (8 rue du Nant 1207 Geneva, CHE-156.079.103). If you choose this payment option, we will assign our claim against you to HeyLight. HeyLight will then handle the invoicing and payment collection directly. HeyLight AG is the sole point of contact for all questions regarding the invoice. The instalment payment option is subject to HeyLight's separate terms and conditions, which apply in addition to these GTC. Please note that interest and fees will be charged. Regardless of the payment method (i.e. even in the case of instalment payments), we are entitled to suspend our services if you do not pay your invoices on time.

9. Your obligations

You undertake to

• act in good faith and, in particular, to provide truthful information about yourself, your health and your physical condition;

• provide us with your correct contact information;

• be solvent when ordering our services;

• to notify us immediately of any insolvency occurring during treatment;

• to follow our instructions when using our services; and

• to provide us only with information and documents that you are authorised to share with us.

If you breach these obligations, we are entitled to refuse to provide our services to you. You also agree to bear any costs incurred by us as a result.

10. Delays, postponements and termination of treatment

10.1 General

Please note that when we arrange treatment appointments with you, we reserve this time exclusively for you. We understand that there may be times when an unforeseen event occurs and you are unable to attend one of your treatment appointments or cannot attend on time. If such circumstances arise, we ask you to contact us immediately by email at [email protected] or by telephone.

10.2 Delays and postponements

If you arrive late for your treatment appointment, you are only entitled to treatment during the agreed treatment time. If your delay causes additional costs (e.g. because an additional appointment or overtime by our staff is necessary), you agree to cover these costs.

If the treatment can no longer be carried out due to your delay or if you do not show up for your treatment appointment, a replacement appointment will be arranged with you and you agree to pay a fee of CHF 100.00.

Treatment appointments can be postponed free of charge up to 24 hours in advance, otherwise a fee of CHF 100.00 will be charged.

10.3 Termination

Please note that treatment begins with the start of stimulation. If you discontinue treatment after this point, for whatever reason, you agree to pay 25% of the contractually agreed treatment costs.

We are entitled to refuse your treatment without refunding the fee if the treating medical professional considers the treatment to be medically irresponsible (e.g. failure to comply with medical instructions, failure to disclose relevant information during the preliminary examination, etc.). In this case, you agree that you are not entitled to a (partial) refund of your treatment costs.

If you interrupt and later resume your treatment, we reserve the right to submit a new offer to you.

We may reschedule your treatment appointments at any time and as often as necessary; in this case, you are not entitled to compensation or termination of treatment. In addition, we are entitled to communicate appointment confirmations and rescheduling to you electronically (e.g. by email, WhatsApp, SMS).

11. What rights do you have if the treatment does not proceed as expected?

We would like to point out that we cannot guarantee the success of the treatment, as each person responds to it individually. If the treatment does not lead to the desired result and you are not satisfied, please contact us so that we can review your concerns. There are no claims, such as warranty rights (rectification, reduction or similar), if the treatment does not lead to the desired result or does not correspond to what you had hoped for. We will endeavour to find a suitable solution together.

12. Disclaimer

You confirm that you have been informed about the risks and side effects of the treatments and that you accept them.

You agree to indemnify us in full and not to assert any claims should risks or side effects occur and damage result from this. This applies in particular if you do not follow the medical instructions before, during or after your treatment.

To the extent permitted by law, liability for slight negligence and for indirect damage, incidental or consequential damage, financial loss, third-party claims for compensation, loss of profit, loss of revenue or data, and for intangible damage is excluded.

13. Data protection

In our privacy policy, we inform you how and for what purpose we collect and process your personal data. Please read it carefully and contact us if you have any questions.

14. Content of our website

We take great care in compiling the information published on this website and regularly check it to ensure that it is up to date. However, we cannot guarantee its accuracy, timeliness or completeness and accept no liability for it.

15. Completeness of the contract

These GTC, together with the app terms of use, the documents you sign when using a service and the declaration of consent, govern all rights and obligations of the parties in connection with the services we provide. Amendments, subsidiary agreements and supplements must be confirmed in writing (e.g. by e-mail) to be effective.

16. Waiver of rights

If one party fails to fulfil part of the contract and the other party does not insist on proper fulfilment, this does not constitute a waiver of the right to fulfilment of other parts of the contract.

17. Severability clause

If one or more provisions of these GTC are invalid or ineffective, the remaining provisions shall remain unaffected. The parties shall replace the invalid or ineffective provisions with provisions that are valid and effective and best reflect the original intention of the parties and, if possible, lead to the same economic result.

18. Amendments to these GTC

We may amend these GTC at any time. We will inform you of the amendment in an appropriate manner. Unless you object in writing (e.g. by email) within one month of us informing you, the amendments shall be deemed to have been approved. The currently valid version of these GTC is available on our website.

19. Applicable law

Swiss law applies to all claims of the parties in connection with the services we provide.

The parties choose the state courts in Zurich as the exclusive place of jurisdiction for disputes.