Terms of Use.

The contracting party is BloomDigital GmbH, Langenthalstrasse 8A, 4932 Lotzwil, Switzerland (brand OwnMore) — until a dedicated company is registered; we'll tell you when that changes. By creating an account or joining the waitlist, you accept these terms.

OwnMore is an interface. You record what needs doing; OwnMore recognises it, organises it, presents it and coordinates steps with the responsible parties. OwnMore does not hold money for you, does not make investment decisions and does not itself carry out any licence-requiring activity. Where a licence is required — insurance brokerage, financial services, financial intermediation — the contract is not concluded with OwnMore but with a partner holding the necessary licence, or with a dedicated company holding its own licence. Who that is in each case, we tell you at the point where it happens, before you agree. An escrow account, too, is never held by OwnMore but by a licensed body — a law firm (client account) or a financial intermediary affiliated to a self-regulatory organisation; we name them to you before you agree.

OwnMore acts only because, and to the extent that, you allow it (mandate under Art. 394 et seq. of the Swiss Code of Obligations (CO)): 1. Read and propose — without further approval. 2. Reversible actions (appointments, enquiries, obtaining quotes) — within what you have approved. 3. Money and legal commitment (payments, contracts, filings with authorities, engaging lawyers and notaries) — only after your express approval in each individual case, logged. Where a transaction requires public notarisation (for instance a property purchase), approval in the account is not enough: for that you sign a dedicated power of attorney (Art. 32 et seq. CO), which we present to you — we tell you at that point, before it becomes relevant. Levels 2 and 3 become available to you only once you have expressly granted them; you can revoke any level at any time. We activate levels 2 and 3 of the capture tool at launch on 1 October 2026; today only level 1 runs there. The investment platform (§ 06) is already running — these levels do not apply to it; the platform agreement governs there.

An account needs an email address. You are responsible for access to your inbox. Everything you record belongs to you: export in one click, delete in one click, no reason needed, no follow-up question. We use your content only to run OwnMore for you — not for advertising and not to train third-party models. Details are in the privacy statement.

The capture tool is free until launch. From 1 October 2026, the published price list applies. Anyone on the waitlist before then keeps the prices from the price list that applied at the time they joined, unchanged for two years from launch on 1 October 2026 — the dated price list is linked in the confirmation email. Paid tiers can be cancelled monthly, with no minimum term and no setup fee. Anyone who pays a year in advance gets two months free and commits to that year in return. If the launch date changes, we'll write to you beforehand; the two-year commitment stands.

The investment platform is closed. Access follows documented admission (classification as a professional client under Arts. 4–5 FinSA and thus as a qualified investor under Art. 10 para. 3 CISA, identity verification, signed membership). Properties shown are information for qualified investors — not investment advice, not a public offering. Expressions of interest and reservations are non-binding until a purchase or participation agreement is signed. Brokerage fees are borne by the buyer side; they are stated on the respective property.

Truthful information about yourself and, on the investment platform, about your qualification. No use that harms third parties, infringes rights or disrupts the platform. No circumventing technical safeguards. In the event of a breach, we can suspend the account; exporting your data remains open to you even then.

We are liable for intent and gross negligence. We are not liable for slight negligence — except for personal injury and for breach of obligations without which this contract could not be fulfilled. We are not liable for the value or performance of an investment, for errors by third parties (partners, providers, authorities), or for the consequences of a decision you made yourself based on information presented. The capture tool is a tool, not advice — for health, legal and financial matters, it does not replace a professional. We are liable for the careful selection and instruction of a professional we engage on your behalf (Art. 399 para. 2 CO); for their own work, they are liable to you directly.

We may amend these terms if the service, the law or the operator changes. We notify you of material changes by email thirty days in advance; if you do not agree, you can cancel and export your data before then.

Swiss law applies. The place of jurisdiction is the company's registered seat, Lotzwil (Emmental-Oberaargau Regional Court). Mandatory places of jurisdiction for consumers remain reserved (within the scope of the Lugano Convention: Art. 16 LC). For consumers, the law of their habitual residence applies where Art. 120 PILA calls for it — a choice of law is excluded there (Art. 120 para. 2 PILA); where the Rome I Regulation applies, its mandatory law remains reserved (Art. 6(2) Rome I).