Legal
Terms of Use
Last updated: December 2025
1. Acceptance
By accessing and using this website operated by Pivot Transfer by Raphael (Zürich, Switzerland), you agree to these Terms of Use. If you do not agree, please do not use the website.
2. Permitted use
You may use the website for lawful, personal and informational purposes only. You agree not to interfere with its operation or security, attempt unauthorised access, or use automated means to scrape or overload the service.
3. Intellectual property
All content on this website — including text, design, graphics, the hero artwork and the guides — is owned by or licensed to us and protected by intellectual-property laws. You may not copy, reproduce or distribute it without our prior written consent.
4. No warranty
The website and its content are provided 'as is' and 'as available'. We make no warranty that the website will be uninterrupted, error-free or free of harmful components.
5. External links
The website may contain links to third-party sites (such as Stripe). We are not responsible for the content or practices of those third parties.
6. Changes
We may update these Terms of Use and the website at any time. The version published at the time of your visit applies.
7. Governing law
These Terms of Use are governed by Swiss law, with exclusive jurisdiction in Zürich, Switzerland, subject to mandatory statutory provisions.
8. Contact
Pivot Transfer by Raphael · Zürich, Switzerland · legal@pivotransition.ch