Terms of Service

Welcome to Tolmar. These terms govern your use of the services offered through our website tolmaro.com, under the Business ID CHE-611.114.967. Our office is located at Bahnhofstrasse 1, 8001 Zurich, Switzerland.

1. Introduction

By accessing and using Tolmar’s offerings in the field of selection of insurance services for pensioners, you agree to comply with these terms.

2. Scope of Offerings

Tolmar provides three categories: professional service assistance, an informational guide, and physical materials related to selecting coverage options for individuals in retirement.

3. Professional Service Assistance

Our team evaluates available plans, compares benefits, and assists with administrative steps. Fees are detailed below. Scheduling is arranged upon confirmation of payment.

4. Informational Guide

We offer a digital guide that outlines key factors to consider when choosing coverage. Delivery is via secure link or email.

5. Physical Materials

Branded items or printed booklets are available for purchase and shipped to your specified address.

6. Fee Structure and Reimbursement Policy

Fees for professional service assistance are due at booking. If you are not satisfied, you may request reimbursement within 14 days of purchase. Reimbursements will be processed through the original channel used for payment, typically within 10 business days. Alternatively, you may opt for a service credit or reschedule the session at no extra cost.

For the informational guide, full reimbursement is available if access has not been initiated within 7 days of purchase. Once the guide is accessed, it is deemed fulfilled and no reimbursement is provided.

Physical materials may be reimbursed upon request within 30 days of shipment. Items must be shipped back in unused condition, at your expense, to Bahnhofstrasse 1, 8001 Zurich, Switzerland. Upon receipt and inspection, we will reimburse the purchase amount.

7. Non-Refundable Services

Certain premium consultations, including on-site visits or real-time coordination with providers, carry non-reimbursable fees due to reserved resource commitments. Such services are clearly marked as non-refundable at the time of selection to ensure transparency.

8. Scheduling Adjustments

If you need to change an appointment, notify us at least 48 hours in advance. One adjustment per session is permitted without charge. Late requests may incur a rescheduling fee.

9. Contact Information

For questions about these terms or to submit a reimbursement request, please use our contact form or call +41768393822.

10. Governing Provisions

These terms are governed by the laws of Switzerland.

Effective Date: January 1, 2025