Terms of Service

Effective Date: January 1, 2025

1. Introduction

Welcome to Caspira. The following terms govern your engagement with our consulting, educational materials, and product offerings in treasury management and corporate cash flow optimization.

2. Services

Caspira provides tailored advisory and implementation services. Each engagement outlines scope, deliverables, and timeline. Service fees and scheduling are specified in a separate agreement.

3. Information Products

Caspira offers digital publications, training modules, and toolkits designed to enhance cash flow planning. Access is granted upon full payment and remains available as long as the platform is supported.

4. Goods

Caspira may offer branded materials and workbooks to complement our services and information products. All physical items are described with dimensions, material details, and shipping timelines.

5. Refund Policy

5.1 Services

Clients may request a refund within 14 calendar days of service commencement if deliverables have not been provided as described. To be eligible, the request must be submitted in writing. Approved refunds will be issued via the original payment method within 30 days. If a session has been delivered, no refund is available unless otherwise agreed in writing.

Clients may transfer a booked service session to another date by notifying Caspira at least 7 days in advance. Transfer requests submitted later may incur additional fees or be denied.

5.2 Information Products

Digital materials may be refunded within 7 calendar days of access if less than 20% of the content has been downloaded or viewed. Refund requests beyond this period or usage threshold will not be honored. Approved refunds will be processed within 30 days via the original payment method.

5.3 Goods

Physical items may be sent back within 21 calendar days of delivery if unopened and in original condition. Customers must obtain an authorization to send back items by contacting Caspira. Shipping costs for sending items back are the responsibility of the customer unless the item is defective. After receipt and inspection, approved refunds are issued within 30 days via the original payment method.

6. Service Transfer

Caspira understands that schedules may change. For advisory sessions, workshop dates, and webinars, clients may request a one-time transfer without fee if submitted at least 7 days prior to the scheduled date. Subsequent transfers may be subject to availability and a nominal rescheduling fee.

7. Contact Information

If you have questions, concerns, or need to initiate a refund or transfer, please contact us at:

Address: 21 Avenue de Chillon, 1820 Veytaux, Switzerland
Phone: +41760736002
Business ID: CHE-942.653.294

8. Amendments

Caspira reserves the right to modify these terms at any time. Updated terms will be posted on our platform with an updated effective date. Continued use after changes constitutes acceptance.

9. Governing Law

These terms are governed by the laws of Switzerland without regard to conflict of law principles.

10. Acceptance

By engaging with Caspira, you acknowledge that you have read, understood, and agree to these terms.