Terms of Use

Please read these terms of use carefully before you start using the website Craolo.com.

This document (together with the documents referred to in it) tells you the terms on which you may make use of the website Craolo.com ("our Website"), whether as a guest or a registered user.

This document is effective from 1.8.2015.

By accessing our Website, you indicate that you accept and agree to abide by the terms of access in Section A.

The additional terms contained in Section B are applicable to registered users only. By registering as a user of our Website, you indicate that you accept and agree to abide by the terms of registration in Section B.

If you do not agree to these terms of use, please refrain from using our Website.

Section A: All users of our Website

Information about us

Craolo.com is a website operated by Craolo GmbH ("We"). We are registered in Switzerland at Gräbligasse 12, 8001 Zürich under company number CHE-496.642.696.

We are an introduction and connection platform for private individuals. Our Website can be used to connect and enter into a standardized agreement of support ("Clan Codex") with friends and family members ("Friend" singular, "Friends" plural) to obtain mutual limited financial support in case of loss or damage.

We are not part and We do not assist in the administration and performance of contracts between the Friends. We will not perform any of the Friend’s obligations under any contract. The Clan Codex, and all communications and correspondence leading up to it and during the period of its validity, is entirely between you and your relevant Friend. We are not and will not be responsible for your Friends, or any issue under the Clan Codex in any circumstances.

We are not an insurer or insurance broker, nor do We act as an agent for an insurer or insurance broker. We do not provide insurance services through our Website.

Information published on our Website must not be considered as a recommendation or invitation to purchase or sell any products, services or transactions. None of the information presented on our Website constitutes advice in relation to insurance products. All information given is without guarantee. We assume that you will form your own independent view as to the adequacy of the contracts you are entering with your Friends.

Accessing our Website

Access to our Website is permitted on a temporary basis, and We reserve the right to withdraw or amend the service We provide on our Website without notice. We will not be liable if our Website is unavailable for any reason at any time.

From time to time, We may restrict access completely or for some parts of our Website.

The services available on our Website are not intended for persons whose place of jurisdiction prohibits access to our Website (e.g. for reasons of the participant's nationality or place of residence or for other reasons). Use of the service is not permitted for participants for whom such limitations apply. It is the responsibility of the participant to look into such matters.

Intellectual property rights

Any logos, trademarks, service marks or domain names of the companies with which We have business relationship, remain the intellectual property rights of those companies, and you may not reproduce them without prior written consent from them.

Other than the above, Craolo GmbH is the owner of all intellectual property rights, including, and without limitation to all: trademarks & service marks (such as logos, names, jingles, symbols, phrases), domain names, database rights, rights in designs, rights in know-how, patents and rights in inventions (whether registered or unregistered) and all other intellectual property rights in any jurisdiction and in any information, content, materials, data or processes contained in or underlying our Website and/or services We provide. All rights of Craolo GmbH in such intellectual property rights are hereby reserved.

You may print off unlimited copies of the Insurance Letter for private use and amend and modify them according to your needs.

Concerning the remaining material from our Website, you may download extracts, of any page(s) from our Website for your personal reference and you may draw the attention of others to material posted on our Website. You must not modify the paper or digital copies of these materials in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Craolo GmbH (and any identified contributor) shall be acknowledged as author of the material.

You must not use any part of the materials on our Website for commercial purposes without obtaining a license to do so from us.

If you print off, copy or download any part of our Website in breach of these terms of use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.


Craolo is a trademark of Craolo GmbH.

Reliance on information posted

We make every effort to ensure all information presented on our Website is up to date and correct. However such materials are not intended to amount to advice on which reliance should be placed on and We provide such materials without any guarantees to its accuracy. Therefore We cannot accept any liability for any errors or omissions and disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Website, or by anyone who may be informed of any of its contents. We reserve the right to add, amend or delete information from our Website at any time.

Changes of our Website

We aim to update our Website regularly, and may change the content at any time. If the need arises, We may close it indefinitely. Any of the material on our Website may be out of date at any given time, and We are under no obligation to update such material.

Our liability to you

These terms do not affect our liability to you in any way for any liability which cannot be excluded or limited under applicable law.

To the extent permitted by law, We hereby expressly exclude:

  • Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Website or in connection with the use, inability to use, or results of the use of our Website, any websites linked to it and any materials posted on it, including, without limitation any liability for:
    • loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill;
    • wasted management or office time; and
    • any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
  • Under no circumstances will We be responsible for any losses which arise in connection with an event or series of events which is/are outside of our reasonable control.
  • Our Website may contain links to other websites. We are not in any way responsible and/or liable for these websites and their contents.
Any claim arising as a result of these terms must be notified to us in writing within 6 (six) months of the date that such liability arises. Failure to provide notice within this period will forfeit any claim.

Privacy and security

We take your privacy very seriously and will not use your information for any other purpose than that which We identify in our Privacy policy. We are committed to ensuring that your information is secure.

Uploading material and contributing to our Website

Whenever you make use of a feature that allows you to upload material to our Website or to make contact with other users of our Website, such material must not be obscene, hateful, discriminating, violent, pornographic or otherwise illegal.

You shall use our Website or interactive services only for lawful purposes. You may not use our Website:
  • In any way that breaches any applicable law or regulation.
  • In any way that is unlawful or fraudulent;
  • For the purpose of providing legal or financial advice to any person;
  • For the purpose of making any unsolicited or unauthorized advertising or promotional material or claims.
We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our Website.

We have the right to remove any material or posting you make on our Website if, in our opinion, such material does not comply with the content standards set out above.

Viruses, hacking ad other offences

You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of-service attack.

We will report any such breach to the relevant law enforcement authorities and We will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any material posted on it, or on any website linked to it.

Linking to our Website

You may link to our Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

The website from which you are linking must comply in all respects with the content standards set out in these terms and conditions and should be appropriate to our business and/or needs of our customers.

Our Website must not be framed on any other website, nor may you create a link to any part of our Website other than the home page. We reserve the right to withdraw linking permission without notice.

If you wish to make any use of material from our Website other than that set out above, please address your request through our contact page.

Links from our Website

Where our Website or email services contain links to other websites and resources provided by third parties, these links are provided for your information only. These websites are owned and operated by third parties. We accept no responsibility for any statements, information, products or services published by or accessible through third party websites, or for any loss or damage that may arise from your use of them.

Amendments to our terms

We may revise these terms of use at any time. The amended terms will be effective from the date they are posted on our Website. You are expected to check this page from time to time to take notice of any changes We made, as they are binding on you.

Jurisdiction and applicable law

The usage of our Website is subject to Swiss law. Place of jurisdiction is Zurich.

Contacting us

If you have any concerns about material which appears on our Website, or would like to contact us for whatever reason, please feel free to make use of our Contact page.

Severability clause

If any part of this Terms of Use shall be or become invalid, then it shall be replaced by that valid regulation which comes closest to its meaning and intention. All other parts of this Terms of Use shall remain valid. In case of discrepancies between the translations the German version prevails.

Section B: Registered users of our Website

Upon registration you are provided with a user password or any other piece of information as part of our security procedures. You must treat such information as confidential, and you must not disclose it to any third party. We take the right to disable any user password, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

Who you are

By registering as a user of our Website you confirm that you: are over the age of 18 (eighteen) years and a natural person.

Our service to you

We do not provide insurance cover to you and this contract is not a contract for provision of insurance services;

We provide an introduction service to you and your Friends.

We will exercise this service with reasonable care and skill.

We do not provide any advice in relation to insurance products and any information relating to insurance on our Website should not be considered as insurance advice. It is your duty to discuss your insurance requirements directly with your Friends and other sources of expertise.

The information contained in our Website is for illustration purposes and We will make all reasonable effort and care to ensure it is accurate and up to date.

Your contract with us

Upon registration on our Website, you agree to the following:
  • You accept our Privacy Policy;
  • You will register and create not more than one profile and therefore refrain from creating fake accounts;
  • You will not enter into more than 10 (ten) Clan Codexs;
  • You consent to receive marketing materials that We consider may be of interest to you unless you explicitly opt out by changing your email preferences;
  • You give your expressed permission to share your information with your Friends and our hosting services as set out in the Privacy Policy;
  • We will not share your information with any other third party without first asking your permission.
As a registered user you may be given the option of retrieving your contact lists from Facebook and other social media sites, for passing on to us. Your contacts will not receive any communication from us that has not been initiated by you.

Your contract with your friends

When you contact one of your Friends to join the Clan, the Clan Codex will be between you and the respective Friend and be governed by its terms and conditions.

You should read and understand the terms of the Clan Codex, especially the part about the yearly maximum amount and the damages covered.

It is your obligation to ensure that the Clan Codex that you enter into with your Friend meets your requirements. We cannot be held responsible for a suboptimal conclusion of an Clan Codex.