General Terms and Conditions ("GTC")

1. What Services Do We Offer?

We provide comprehensive medical, therapeutic, and diagnostic services in the areas of gynaecology, obstetrics, and human reproductive medicine ("Services"). Our services related to medically assisted reproduction include in particular treatments for 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 Zürich, CHE-170.209.333) or Cada Health AG (Bellerivestrasse 36, 8008 Zürich, CHE-499.863.124). Depending on your contract, you will engage with one of these entities, referred to collectively as "Cada," "we" or "us.".

If you have any questions or concerns, please contact us by email: [email protected].

3. What do These GTC Regulate?

These GTC govern the legal relationship between you and Cada (hereinafter jointly referred to as "Parties" and individually as "Party") when you use our services.

Our mobile app is governed by separate App Terms of Use, which are integral to these GTC. By using our app, you agree to these App Terms of Use.

4. Who Do We Treat?

Our services are aimed at natural persons of legal age (i.e. adults with full legal capacity) residing in Switzerland or the Principality of Liechtenstein.

By accepting these GTC, you confirm that these criteria are met. Treatments are subject to suitability and legal requirements, particularly for reproductive procedures. We reserve the right to decline services based on other exclusion criteria.

5. How Does the Treatment Work?

Initially, you will arrange a consultation with us (via our website, phone, or email). During this consultation, we will explain the treatment options available at Cada. If you wish to proceed, we will schedule further appointments for sample collection (e.g., blood, urine, sperm) and suitability assessments. We will then create a personalised treatment plan for you. After your consideration period, you can inform us if you wish to proceed. You will receive an offer valid for one month ("acceptance period"). A contract is formed when you accept this offer. If accepted after the acceptance period, it constitutes a new offer from you, which we may accept in writing (e.g., by email).

6. Involvement of Third Parties

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

7. Costs

Treatment costs depend on the coverage by compulsory health insurance (OHI). If the services are covered by OHI, the TARMED tariff structure applies. This tariff structure serves for the billing of outpatient medical services in doctors' offices and hospitals with an individual itemized tariff.

Treatment costs that are not covered by OHI will be communicated in our offer. Any other cost information (e.g., verbally, on websites, or in brochures) is non-binding and does not constitute an offer.

8. Payment for Your Treatment

Treatment costs are generally due in full immediately upon receipt of the invoice and must be paid via bank transfer to our bank account in Swiss Francs (CHF). You agree to bear 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 share personal data with third parties for this purpose. You can find further information on this in our Privacy Policy.

Alternatively, we also offer installment payments through MF Group AG (Kornhausstrasse 25, 9001 St. Gallen, CHE-146.917.205), we offer you the payment option "installments". If you opt for this payment option, we will assign our claim against you to MF Group. MF Group will then handle the invoicing and collection directly. MF Group AG is the sole contact for all questions regarding the invoice. The installment payment option is subject to the separate terms and conditions of MF Group AG, which supplement these GTC. We would like to point out that interest and fees will be charged.

Regardless of the payment method (i.e. also in the case of installment payments), we are entitled to cease providing our services if you do not pay your invoices on time.

9. Your Obligations

You agree to:

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

• provide us with your correct contact information;

• ensure you can pay our services when ordered;

• notify us immediately of any insolvency during the treatment;

• follow our instructions when using our services; and

• only transmit to us such information and documents you have the right to transmit and share.

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

10. Delay, Postponement and Termination of Treatment

10.1 General

Please note that treatment appointments are reserved exclusively for you. If unforeseen events prevent you from attending or

attending on time, contact us immediately via email ([email protected]) or phone.

10.2 Delay and Postponement

If you arrive late for your appointment, treatment will only occur during the scheduled time. If your

delay results in additional costs (e.g. because an additional appointment or staff overtime), you are obliged

to bear these costs. If the appointment cannot proceed due to your delay or absence, a replacement appointment will be

arranged, and a fee of CHF 100.00 will apply.

Postponements are free if made 24 hours in advance; otherwise, a CHF 100.00 fee applies.

10.3 Termination

Please note that the treatment begins upon conclusion of the treatment contract. If you terminate the treatment thereafter, for whatever reason, you agree to pay 25% of the contractually agreed treatment costs.

We may refuse treatment without fee reimbursement if it is deemed medically irresponsible to continue (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 any (partial) reimbursement of your treatment costs.

If treatment is terminated and then resumed, we may issue a new offer.

We reserve the right to reschedule appointments as necessary without compensation or termination rights for you. In addition, we are entitled to communicate appointment confirmations and postponements to you electronically (e.g. by email, WhatsApp, text message).

11. What Are Your Rights if the Treatment Does Not Go as Expected?

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

12. Disclaimer

You acknowledge the informed risks and side effects of treatments and accept them. You agree to indemnify us against claims arising from these risks, especially if you do not follow medical instructions before, during or after your treatment. Liability for slight negligence and various damages, including indirect, consequential, financial, third-party claims, lost profits, sales, data, and intangible damages, is excluded to the extent permitted by law.

13. Data Protection

Our Privacy Policy outlines how we collect and process your personal data. Please read it carefully and ask any questions you may have.

14. Content of Our Website

We create the information published on this website with great care and check it regularly for its up-to-dateness. However, we cannot guarantee its accuracy, up-to-dateness or completeness and reject any liability therefor.

15. Completeness of the Contract

These GTC, together with the App Terms of Use, the documents you sign when using a service, and the consent forms constitute all rights and obligations of the parties

16. Waiver of Rights

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

17. Severability Clause

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

18. Amendment of these General Terms and Conditions

We may amend these General Terms and Conditions at any time. We will inform you of the amendment in an appropriate manner. Without your written objection (e.g. by email) within one month after we have informed you, the amendments shall be deemed approved. The currently valid version of these General Terms and Conditions can be found on our website.

19. Applicable Law and Jurisdiction

Swiss law shall apply to all claims of the parties in connection with the services provided by us. The parties choose the state courts in Zurich as the exclusive jurisdiction for disputes.