Terms and conditions

General Terms and Conditions of 3a-Rescue

As of: 30 October 2026

The German version prevails.

1. Provider and scope

1.1 The provider is Janek Heise, sole proprietor, trading as «3a-Rescue», Amselstrasse 28, 4104 Oberwil BL, Switzerland, info@3a-rescue.ch («3a-Rescue»).

1.2 These terms apply to the purchase of the cancellation pack on 3a-rescue.ch. The version shown on this page at the time of purchase applies.

2. Conclusion of contract

2.1 The presentation of the cancellation pack on the website is not a binding offer. By paying on the Stripe payment page, the customer places a binding order.

2.2 The contract is concluded when payment is received. Stripe sends a payment confirmation to the email address provided.

2.3 By purchasing, the customer accepts these terms. They are linked on the website before purchase.

3. Service

3.1 The cancellation pack consists of the following documents for a tied pillar 3a pension policy:

a. two letter templates to the insurer, one for cancellation with transfer of the surrender value to another pillar 3a pension institution and one for an application to convert the policy into a paid-up policy;

b. a template for a request to the insurer for information on surrender value, paid-up value, guaranteed maturity benefit, premiums paid, notice period and date;

c. step-by-step instructions up to the transfer;

d. a checklist with deadlines;

e. a general guide to tax staggering and transfer that explains the statutory rules on the transfer, withdrawal and taxation of pillar 3a assets with an example using invented figures. It is the same for everyone and contains no recommendation for the individual situation and no tax calculation.

3.2 The documents have the same structure for all customers. The customer adds the personal details (name, address, insurer, policy number, receiving pension institution) themselves. If the customer provides details to 3a-Rescue, 3a-Rescue uses them as provided and does not check them for accuracy.

3.3 3a-Rescue does not review the insurance contract and does not assess whether cancelling, converting or keeping the policy is advantageous.

4. Delivery

4.1 3a-Rescue delivers the documents by email to the address given at payment within 24 hours of receiving payment, including weekends and public holidays.

4.2 If the customer does not receive the documents within this period, they may withdraw from the contract by email to info@3a-rescue.ch. 3a-Rescue then refunds the full price.

5. Questions

The price includes two email replies to questions about the process and the documents. No other services are included.

6. No advice

3a-Rescue does not provide investment, legal, tax or insurance advice and does not recommend any option or provider. Whether and how the customer cancels, converts or keeps the policy is the customer's own decision.

7. Sending and deadlines

The customer checks, signs and sends the documents themselves. 3a-Rescue sends nothing to the insurer and does not carry out any transfer. The customer is responsible for meeting deadlines.

8. Price and payment

The cancellation pack costs CHF 59 as a one-time payment (final price). No subscription is created. Payment is processed by Stripe.

8.1 Money-back promise. You may request a refund of the purchase price of the cancellation pack without giving a reason if your email to info@3a-rescue.ch reaches us within 14 days of purchase. This also applies if you have already received or downloaded the pack. We refund the full amount paid to the original payment method. This is a voluntary promise by 3a-Rescue.

9. Defects

If the documents are incomplete or incorrect, report this by email within 14 days of delivery. 3a-Rescue will send you corrected documents within 24 hours of receiving your report. If that is not possible, 3a-Rescue refunds the full price.

10. Withdrawal

Swiss law provides no statutory right of withdrawal for online purchases. Until the documents are delivered, the customer may withdraw by email and receives a full refund. Withdrawal is excluded after delivery, subject to sections 4.2, 8.1 and 9.

11. Liability

3a-Rescue is liable for intent and gross negligence. For slight negligence, liability is limited to the price paid. 3a-Rescue is not liable for consequences of incorrect information provided by the customer or of missed deadlines, unless 3a-Rescue caused them intentionally or through gross negligence.

12. Data protection

How 3a-Rescue processes personal data is set out in the privacy policy.

13. Applicable law and place of jurisdiction

Swiss law applies. The place of jurisdiction is Oberwil BL. Mandatory places of jurisdiction remain reserved, in particular the consumer's place of residence (Art. 32 Swiss Civil Procedure Code).