General Terms and Conditions

1. Scope and parties

These General Terms and Conditions ("Terms") govern the contractual relationship between Ruznic Marketing, Leimgrubstrasse 5, 8340 Hinwil, Schweiz (sole proprietorship, owner Ajdin Ruznic; "we", "us") and the customer ("you") regarding the use of the RealityTwin.io platform including all associated websites, interfaces, applications and services (the "Service").

The Service is directed exclusively at companies, self-employed persons and other commercial or professional users in a B2B relationship. It is not directed at consumers. By registering you confirm that you act in the course of your trade or profession.

Deviating, conflicting or supplementary terms of the customer do not become part of the contract, even if we do not expressly object to them. Deviations from these Terms apply only if we have confirmed them in writing or in text form.

If you act for an organisation, you warrant that you are authorised to represent it. The organisation then becomes the contracting party.

2. Definitions

"AI Twin" or "Twin" means the conversational representation of a company generated within the Service on the basis of content provided by the customer.

"Customer Content" means all data, texts, documents, logos, website content and other material the customer brings into the Service or releases for indexing.

"Network" means the totality of publicly listed Twins together with the functions for discovery, matching and contact initiation between them.

"Marketplace" means the functions through which providers offer services and customers request, receive quotes for and pay for them online.

"Brokered engagement" means an engagement concluded through the Marketplace and settled through the Service.

3. Conclusion of contract, registration and account

The contract is concluded upon creation of an account and acceptance of these Terms. The presentation of services on the website is not a binding offer but an invitation to make an offer.

The customer provides truthful and complete information on registration and keeps it current. Credentials must be kept confidential. The customer is responsible for actions taken through its account to the extent it is accountable for them.

We may refuse to open an account without stating reasons. There is no entitlement to access the Service.

The customer informs us without delay of any indication of unauthorised use of its account.

4. Description of services and changes

We provide the Service to the customer as software as a service in its respective current version. The scope follows from the product description, the selected plan and the publicly available feature overview.

The Service is continuously developed. We may change, supplement or replace functions provided the contractually owed core benefit is preserved and the customer is not unreasonably disadvantaged. We announce material reductions in functionality with reasonable notice; in that case the customer may terminate with effect from the date the change takes effect.

Functions marked as beta or in development are provided without any assurance of particular characteristics or availability. The customer uses them at its own risk.

5. How the AI Twin works, and its limits

The Twin generates answers using language models on the basis of content provided by the customer. It is a tool of the customer; declarations it makes to third parties are attributed to the customer.

Language models can produce inaccurate, incomplete or misleading answers. The customer acknowledges this, reviews outputs on its own responsibility and does not make decisions solely on the basis of outputs of the Service without verifying them.

Binding commitments by the Twin towards third parties are disabled by default. If the customer enables this function, corresponding statements are treated as declarations authorised by the customer, who bears responsibility for their content.

We inform users that they are interacting with an AI system. The customer must not remove or obscure this notice or present the Twin as a natural person.

The Service maintains a statement register in which the Twin's answers are recorded with a timestamp, sources and a checksum. The customer can inspect and export these records.

6. Customer obligations and Customer Content

The customer brings in only content to which it holds the necessary rights or is otherwise entitled to use. It ensures that the content infringes neither third-party rights nor applicable law.

The customer is responsible for the accuracy, currency and completeness of its content and corrects inaccurate information without delay once it becomes aware of it.

The customer may bring in personal data of third parties only if entitled to do so and where the data subjects have been informed to the required extent. Special categories of personal data, health data, professional secrets and data subject to a statutory duty of confidentiality must not be placed in the knowledge base.

The customer grants us the non-exclusive right, limited to the term of the contract, to store, reproduce, process, translate and — where the customer publishes the Twin — make publicly available its content, solely for the purpose of providing the Service. We acquire no rights beyond this.

We do not use Customer Content to train general language models.

7. Prohibited use

The following are prohibited in particular: distributing unlawful, misleading or harassing content; circumventing technical protection measures; automated extraction outside the interfaces provided for that purpose; generating disproportionate load; use for unsolicited bulk communication; and any use liable to harm the Service, the Network or its users.

It is further prohibited to impersonate another company, to provide inaccurate identity or verification information, or to misuse verification marks.

Where there is reasonable suspicion of a material breach we may temporarily make affected content inaccessible or restrict access. We inform the customer without delay and give it an opportunity to comment, unless legal reasons prevent this.

8. Network, public profile and access by agents

If the customer publishes its Twin, the information released for that purpose is retrievable via the marketplace, machine-readable profiles and programming interfaces — including by third-party software and AI assistants. The customer decides on this publication and may revoke it at any time.

Content already captured by search engines, language models or third-party systems may remain available after revocation, outside our sphere of influence. We do not owe removal from third-party systems.

No particular outcome in terms of discoverability, ranking or mention in third-party systems is owed.

9. Marketplace, brokerage and contracts between users

Customers may offer and request services through the Marketplace. Contracts concerning those services are concluded exclusively between the users involved. We do not become a party to them and owe neither the service nor its outcome.

We do not review offers, requests or user statements for accuracy, completeness or lawfulness, unless mandatory law provides otherwise. Domain verification confirms control over an internet domain only and makes no statement about a user's existence, creditworthiness, qualification or reliability.

Where an engagement is brokered through the Service and settled through the Service, we retain 10% of the net engagement value as a brokerage fee. 90% is credited to the provider. Engagements settled outside the Service trigger no fee.

We use payment service providers to process payments. Their terms apply additionally between the respective payer and the payment service provider.

10. Payouts to providers

Payments from clients are first received by us. The share due to the provider is recorded in a payout ledger and transferred by bank to the account registered by the provider.

Payouts are generally made within 30 days of receipt of payment and entry in the ledger. These are bank transfers; immediate crediting is not owed.

If the provider has not registered valid payout details, no payout can be made. The claim remains; the period begins only once complete and correct details are available. The provider is responsible for the accuracy of those details.

We may withhold a payout while there is reasonable suspicion of fraud, chargeback, money laundering or a material breach of these Terms, and to the extent of our own due counterclaims. We inform the provider of the reason.

Each party accounts for its own income and is responsible for its own VAT obligations.

11. Prices, payment and VAT

The prices displayed on the website at the time of order apply. Subscription prices are per billing period and payable in advance.

Invoicing and collection are handled through our payment service provider. The customer keeps a valid means of payment on file.

If the customer is in default of payment, we may restrict or suspend access after an unsuccessful reminder with a reasonable grace period. The payment claim remains. Default interest of 5% p.a. under Art. 104 CO is reserved.

We announce price changes at least 30 days before they take effect. The customer may terminate with effect from that date; continued use beyond it constitutes acceptance.

Unless stated otherwise, all prices are exclusive of any value added tax. VAT treatment depends on the customer's seat and the applicable rules; for supplies to foreign businesses the place-of-recipient principle generally applies.

Fees already paid are not refunded pro rata on early termination by the customer, unless the termination is based on a reason for which we are responsible.

12. Availability, maintenance and support

We provide the Service with the care of a diligent provider and aim for high availability. A particular availability level is warranted only if expressly agreed in writing.

We announce planned maintenance where possible and schedule it during low-traffic periods so far as reasonable. Where a disruption endangers the security or integrity of the Service we may intervene immediately and without notice.

The Service depends on third-party services, in particular hosting, model and payment providers. We are responsible for failures of such third parties only within the limits of section 15.

Support is provided to the extent described in the selected plan.

13. Rights in software and trade marks

All rights in the software, user interfaces, documentation, trade marks and other components of the Service remain with us or our licensors. The customer receives a simple, non-transferable right, limited to the term of the contract, to use them as intended.

Decompilation, reverse engineering and reproduction beyond the extent mandatorily permitted by law are prohibited, as is passing access to third parties not attributable to the customer.

The customer remains the owner of the rights in its content. We may use suggestions and feedback from the customer for further development free of charge, without any claims arising.

14. Warranty

We warrant that the Service substantially conforms to the applicable service description. Software is never entirely free of defects; immaterial deviations do not constitute a defect.

The customer reports defects without delay and in a comprehensible manner. We remedy reported defects within a reasonable period by correction or a workaround.

If a material defect cannot be remedied within a reasonable additional period, the customer may terminate with effect from that point and demand a refund of prepaid fees attributable to the remaining term.

Assurances as to fitness for the customer's particular purposes exist only where expressly given in writing.

15. Liability

We are liable without limitation for damage caused by intent and gross negligence and for damage arising from injury to life, body or health. An exclusion of this liability agreed in advance would be void under Art. 100(1) of the Swiss Code of Obligations.

Liability for slight negligence is excluded to the extent permitted by law, as is liability for auxiliary persons in cases of slight negligence within the scope of Art. 101(2) CO.

Where liability is not unlimited under paragraph 1, it is capped at the amount the customer paid for the Service in the twelve months preceding the damaging event.

To the extent permitted by law, liability for lost profit, lost savings, loss of data, reputational damage, third-party claims and other indirect or consequential damage is excluded.

We are not liable for content, statements or actions of users, for the formation, content or performance of contracts between users, or for decisions based on outputs of a Twin.

Mandatory statutory liability, in particular under the Swiss Product Liability Act, remains unaffected.

16. Indemnity

The customer indemnifies us against third-party claims arising from its content, its Twin or its use of the Service infringing third-party rights or applicable law, including reasonable costs of legal defence.

We inform the customer of such claims without delay, make no admission without its consent and give it the opportunity to conduct the defence.

17. Data protection and processing on behalf

We process personal data in accordance with the Privacy Policy and with the Swiss Federal Act on Data Protection (revFADP) and, where applicable, the General Data Protection Regulation (GDPR).

Where we process personal data on behalf of the customer, the customer is the controller and we are the processor. The Data Processing Addendum forms part of this contract and implements the requirements of Art. 9 revFADP and Art. 28 GDPR.

The sub-processors engaged are listed publicly. We inform about intended changes; the customer may object for good substantive cause.

Application data is stored in the European Union (Ireland). To generate answers, requests may be transmitted to model providers outside Switzerland and the EU; such transfers rely on Standard Contractual Clauses or another permitted transfer mechanism.

18. Confidentiality

Each party keeps confidential the other party's non-public information that is designated confidential or whose confidentiality follows from the circumstances, and uses it only to perform this contract.

The duty does not apply to information that is publicly known, was independently developed, was lawfully obtained from third parties, or must be disclosed by law or official order. In the latter case the disclosing party informs the other in advance where permitted.

The duty survives the end of the contract for three years. Statutory confidentiality duties remain in force without time limit.

19. Term, termination and return of data

The contract is concluded for an indefinite period. Subscriptions renew for the selected billing period unless terminated by the end of the current period.

Either party may terminate for good cause with immediate effect. Good cause exists for us in particular in the event of a material or repeated breach of these Terms, default of payment despite a reminder, and abusive use.

After the contract ends, Customer Content remains available for export for 30 days. It is then deleted unless a statutory retention obligation applies. The customer is responsible for backing up its data in good time.

Engagements already brokered and outstanding payout claims are unaffected by termination.

20. Suspension and restriction

We may suspend access in whole or in part where necessary to avert a material risk to the Service, to third parties or to data security, where there is reasonable suspicion of abusive or unlawful use, or in the event of default of payment after an unsuccessful reminder.

Suspension is limited to the extent and duration necessary. We inform the customer of the reason and scope as soon as this is possible and no legal reasons prevent it.

21. Changes to these Terms

We may amend these Terms where objectively justified by a change in the legal situation, official orders, technical developments or a change in the range of services, and where the customer is not unreasonably disadvantaged.

We notify changes in text form at least 30 days before they take effect. If the customer does not object before they take effect, they are deemed accepted; we point this out expressly in the notice. If the customer objects, either party may terminate with effect from the date the change takes effect.

The version in force is available on the website with a version designation and date.

22. Assignment, set-off, force majeure

The customer may transfer rights and obligations under this contract only with our prior written consent. We may transfer the contract in the context of a succession or restructuring; the customer will be informed.

The customer may set off only against undisputed or legally established claims.

Neither party is liable for non-performance to the extent it results from events outside its reasonable control, in particular natural events, war, official orders, strikes, failure of telecommunications networks or large-scale outages at upstream providers. The affected party informs the other without delay; if the event lasts longer than 60 days, either party may terminate.

23. Final provisions

If any provision of these Terms is invalid or unenforceable, the validity of the remaining provisions is unaffected. The parties replace the affected provision with a valid one that comes closest to its economic purpose.

Notices are given in text form to the email address held in the account or through the Service. The customer keeps its contact details current.

No mandate, employment, partnership or agency relationship exists between the parties beyond what is regulated in these Terms.

24. Governing law and jurisdiction

This contract is governed exclusively by Swiss law, excluding its conflict-of-law rules and the United Nations Convention on Contracts for the International Sale of Goods (CISG).

The exclusive place of jurisdiction is Hinwil, Switzerland. Mandatory places of jurisdiction are reserved.

Before commencing proceedings the parties endeavour to reach an amicable settlement; this endeavour is not a precondition for proceedings.

25. Language versions and contact

These Terms exist in German and English. In the event of discrepancies or questions of interpretation, the German version alone prevails.

Contact: Ruznic Marketing, Leimgrubstrasse 5, 8340 Hinwil, Schweiz, hello@realitytwin.io.

Version 2026-08, effective 7 August 2026.