Helpore Terms of Service

1. Introduction

These Helpore Terms of Service (“Terms”) govern your use of the Helpore platform, owned and operated by Helpore AG, Thurgauerstrasse 101A, 8152 Opfikon, Switzerland. By creating an account, searching, booking, offering services, uploading documents, signing authorizations or otherwise using Helpore, you accept these Terms and our Privacy Policy.

Helpore is built for Swiss household employment workflows. These Terms explain the roles of the Household, the Helper and Helpore, and how Helpore Flex and Helpore Admin work together.

Address search on the website and in the apps includes Google Maps features and content; their use is subject to the current versions of the Google Maps End User Additional Terms of Service (https://maps.google.com/help/terms_maps/) and the Google Privacy Policy (https://policies.google.com/privacy).

2. Definitions

For the purposes of these Terms, the following definitions apply:

• Helpore: Helpore AG and the platform, tools, workflows and support services it provides.
• Platform: the Helpore website, application, dashboards, booking tools, messaging, documents, payments, notifications and related services.
• Household / Household Client: the person, household or eligible Swiss-established company using Helpore to find, book, employ or administer household help.
• Helper: the person offering or performing household services through Helpore, or being administered through Helpore, and who remains employed by the Household for the relevant household employment relationship.
• Helpore Flex: flexible booking through Helpore for households who search, compare, try and book Helpers without a fixed long-term contract or fixed frequency.
• Helpore Admin: the administration service for a Household that already knows its Helper and wants Helpore to support contract, payroll records, payments, documents and Swiss admin workflows.
• Helpore Admin Light: the preparation service for an ongoing household employment relationship without an authorization under clause 5; Helpore prepares the monthly calculation and the registration pack, the Household keeps its own employment contract, registers, pays and files itself, and pays the wage, the contributions and the insurance premiums directly to the Helper, the offices and the insurer; the Household pays Helpore only the Helpore Admin Light fee.
• Helpore Admin relationship: a structured ongoing household employment relationship administered through Helpore Admin, including contracts, monthly payroll records, holiday tracking, extra hours, payment records and document workflows.
• Helpore-sourced Helper: a Helper introduced, discovered, contacted, booked or matched through Helpore, including through a public profile, search result, booking request, message, recommendation or Helpore support.
• Imported Helper / Existing Helper: a Helper the Household already knew independently of Helpore and added privately through Helpore Admin or another import flow.
• Booking: a scheduled household service appointment or series created through Helpore.
• Household Employment Relationship: the employment relationship between the Household as legal employer and the Helper as household employee for the relevant work.
• Contract package: the document the Household signs once in written form, made of the authorization (Vollmacht) as part 1, the Helpore Flex framework agreement as part 2 and these Terms as an annex naming the version (clauses 5 and 26).
• Booking Credit: an internal booking credit or balance made available for eligible Helpore services or refunds under these Terms. It is not a bank account, payment account or general stored-value product.
• Service Fee: the fee earned by Helpore for platform access, booking support, administration, documentation, payment records, support workflows and related Helpore services.
• Referral Reward: a cash amount payable by Helpore to a Referring Helper under the Helper Referral Programme in clause 24.

3. Which parts of these Terms apply to you?

The General Terms apply to every user. Household Client Terms apply to Households. Helper Terms apply to Helper. Helpore Flex terms apply when a Household books flexible appointments through Helpore. Helpore Admin terms apply when a Household brings or imports an existing Helper for administration or runs a Helpore sourced relationship under Helpore Admin; clause 11 applies to every ongoing relationship under Helpore Admin. Helpore Admin Light terms apply when a Household records in Helpore the employment terms agreed with its Helper, has Helpore prepare the monthly calculation and the registration pack, and registers, pays and files itself.

Where a separate household employment contract between the Household and the Helper governs employment terms such as wage, hours, holiday, notice periods, duties or workplace rules, that employment contract governs those employment terms if there is a conflict with these platform Terms, subject always to mandatory law.

4. Role of Helpore

The Household is the legal employer of the Helper. Helpore AG does not employ household staff and is not a party to the employment contract. It acts as a platform, as a private employment placement agent and, on the basis of the authorization, as the Household's agent (Art. 32 and 394 CO).

Helpore Flex supports search, matching, booking, communication, payment records, document workflows and related administration for flexible appointments. Helpore Admin supports Households that already have a Helper and want Swiss household-employment administration handled in a clearer system. Helpore Admin supports recurring or structured relationships with contracts, monthly payroll records, holiday tracking, extra hours, termination workflows and documents.

Helpore may support calculations, collection, allocation, payment records, reminders, document generation, payroll/admin workflows, insurance coordination, tax and contribution records, user support and audit trails under the limited mandate or authorization given by the Household.

5. Limited mandate and authorization

For bookings, the Household appoints Helpore solely to collect the Household's payment and to forward the amounts owed, in the name and on the account of the Household, to the Helper and the competent recipients. For each Helpore Flex booking or separately selected Helpore Admin service, the Household additionally appoints Helpore as a limited administrative representative for actions directly connected with the Household Employment Relationship, including calculating, collecting, allocating, administering and forwarding, in the name and on the account of the Household, amounts connected with Helper wages, employee deductions, employer social contributions, accident-insurance premiums, withholding tax, simplified-settlement procedure amounts, refunds and adjustments, together with Helpore's earned Service Fees.

This mandate and any authorization are strictly limited to household-employment administration and related payment flows arising from Helpore services. Helpore may not use this authorization to make unrelated payments, transfer funds to unrelated third parties, invest funds, grant credit, operate a general payment account for the Household or perform activities outside the agreed Helpore service scope.

For Helpore Flex bookings and for Helpore Admin with a Helpore-sourced Helper, the Household signs one contract package once: the authorization, the Helpore Flex framework agreement and these Terms as an annex. The package requires the written form (a signature by hand or a qualified electronic signature). For Helpore Admin with an Imported Helper or Existing Helper, electronic acceptance of the authorization and the employment contract is sufficient; the contract package in written form is required as soon as the Household uses Helpore Flex or employs a Helpore-sourced Helper. No authorization under clause 5 is granted for Helpore Admin Light and no package is signed there.

6. Employment settlement and Booking Credit

Helpore may maintain one or more dedicated employment settlement accounts, operating accounts or internal ledgers for amounts collected from Households in connection with Helpore services. Amounts are internally allocated for the relevant household employment purpose, including Helper wages, employee deductions, employer social contributions, employment-related insurance, withholding tax or simplified-procedure tax amounts, refunds, adjustments and Helpore’s earned Service Fees.

Booking Credit may be used only for eligible Helpore services or refunds according to the applicable policy. It is not a bank account, payment account, savings account, deposit product, investment product or general stored-value product made available to the Household or Helper. It is non-transferable, cannot be sent to third parties, cannot be used outside Helpore’s household-employment administration service and does not accrue interest. Helpore does not invest such amounts for users.

For the avoidance of doubt, a Referral Reward under clause 24 is not Booking Credit. It is paid to the Referring Helper as a cash payout to the bank or payment details held on the Helper's account, and is not subject to the Booking Credit restrictions in this clause.

Amounts collected for Helper wages, employee deductions, employer contributions, insurance premiums and taxes are received and held by Helpore in the name and on the account of the Household, are kept segregated from Helpore's own assets, do not form part of Helpore's revenue or estate, and are forwarded solely to the recipient the Household owes. Only Helpore's Service Fee is Helpore's own income.

7. Household Client Terms

Households must provide accurate, complete and current information, including identity, address, company details where applicable, booking details, work location, hours, wages, household needs, safety information and payment information. The Household is responsible for the working environment and must not request unsafe, unlawful, discriminatory, undeclared or misleading work.

Households must not pressure Helpers to work below applicable minimum wage rules, misstate hours, misclassify work, provide false wage or status information, ask Helpers to provide false documents or bypass required insurance, tax, payroll or contribution workflows. Households must fund bookings, monthly invoices, top-ups, corrections, statutory amounts, insurance amounts, Helpore Service Fees and other employment-related amounts when due.

8. Helper Terms

Helpers must provide accurate, complete and current information and documents, including identity, work eligibility, address, tax, social insurance, banking, qualifications, service areas, availability, services, rates and other compliance information requested through Helpore. Helpers must not upload false, altered, expired, misleading or unverifiable documents.

Helpers pay Helpore no registration fee and no placement commission; Helpore waives the fees that Art. 9 AVG would allow.

Showing a profile to Households for the purpose of placement requires the Helper's written consent (Art. 7 AVG, Art. 19 para. 4 AVV). The Helper gives it in a separate declaration when the profile is published and in the Helpore Flex framework agreement for Helper; it covers first name, photo, qualifications, availability, rate and reviews and can be revoked at any time; after the revocation the profile is no longer shown. Further data (identity documents, AHV number, bank details) is used only for the administration of the employment relationship and towards the competent bodies.

Helpers set their own rates, provided the rate is above the applicable legal minimum for the service, location, date and employment setup. Helpore may block, warn or require correction if a rate appears below the applicable minimum or if information needed to assess the minimum is missing.

Helpers must keep availability realistic, communicate respectfully, attend accepted bookings, perform services with reasonable care and skill, and follow safety and household rules that are lawful and reasonable. Helpore does not restrict Helpers from general outside work, other platforms, leaving Helpore or serving clients they obtained independently of Helpore.

Social insurance contributions on Helpore Flex bookings are settled from the first franc of wage. By offering services through Helpore Flex, the Helper requests that AHV/IV/EO, ALV and family allowance contributions be settled on every wage paid through the platform, so the exemption for employees until 31 December of the year in which they turn 25, with wages of up to CHF 750 per year (Art. 34d para. 2 AHVV) is not applied to Helpore Flex bookings. Prices shown to Households include these contributions.

9. Helpore Flex

Helpore Flex is for Households that want to search, compare, try and book Helpers through Helpore without a fixed long-term contract or fixed frequency. It is suitable for one-off appointments, irregular support, testing fit with different Helpers or lower-volume work.

The Flex total shown before confirmation is itemised. It consists of the Helper's rate with holiday pay where applicable, which is the Helper's pay; the Household's own statutory employment amounts where applicable, such as employer contributions, insurance premiums and tax or simplified-settlement amounts, collected in the name and on the account of the Household; and Helpore's Service Fee, including payment processing where shown, which is the only part that is Helpore's own income. The Helper's rate is not reduced because the Household books more hours, changes frequency or uses a different Helpore plan. Any volume or recurrence benefit applies to Helpore's Service Fee unless a separate Helper-selected rate tier is expressly shown and accepted.

Helpore may apply minimum booking durations, notice periods, availability validation, service-area checks, document checks, payment checks and cancellation rules before confirming or continuing a booking.

When a Helpore-sourced Helper becomes a regular arrangement, a one-time placement fee applies: at the first recurring booking series with that Helper, or when the Household sets up Helpore Admin or Helpore Admin Light with that Helper. The amount is shown before confirmation. Helpore Service Fees paid for completed Flex bookings with the same Helper in the previous 90 days are credited against the placement fee, up to its amount. No placement fee applies to an Imported Helper or Existing Helper that the Household knew independently of Helpore.

Employer contributions in the Flex total are calculated from the first franc of wage; the exemption for employees until 31 December of the year in which they turn 25, with small wages is not applied on Helpore Flex.

For each assignment an employment contract for domestic work is drawn up; the framework agreement and the assignment contract carry the content required by Art. 19 AVG.

10. Helpore Admin

Helpore Admin is for Households that already know their cleaner, nanny or other household Helper and want Helpore to support Swiss administration for that existing relationship. Imported Helpers remain private by default and are not made publicly bookable unless they separately opt in to a public Helpore profile. Helpore Admin is also open to Helpore sourced Helper whose cooperation becomes regular (clause 11).

No placement fee applies to an Imported Helper or Existing Helper that the Household already knew independently of Helpore. Helpore Admin is intended to support contract setup, monthly payroll records, QR invoice references, payment tracking, insurance and tax records, payslips, annual documents and audit trails.

If the case is complex, high-hour, cross-border, BVG-relevant, permit-sensitive or otherwise outside standard assumptions, Helpore may require review, extra information, a custom plan, corrected pricing or additional steps before providing or continuing the service. Where the business policy is presented as no percentage commission on the Helper wage, Helpore will not charge a percentage commission on the Helper’s wage for that Admin plan unless a later plan change is clearly shown and accepted.

Helpore Admin Light is the administration-only plan for an ongoing relationship. It provides a record of the employment terms the Household has agreed with its Helper, the monthly calculation of wage, deductions, employer contributions, insurance premiums and taxes, the salary statement, the registration pack for the compensation office, hour and holiday records and the yearly summary. Under Helpore Admin Light, Helpore does not hold an authorization under clause 5, does not register the Household with any authority, does not collect or pay any wage, contribution, premium or tax and does not file anything with any authority on the Household's behalf. The Household registers, pays and files itself, remains solely responsible for every deadline and payment, and must give Helpore accurate and complete information, including wages paid to other household staff outside Helpore and any change in hours, holidays or personal circumstances of the Helper, because the calculations rely on that information. The Household may move to Helpore Admin at any time. Where the Household selects insurances in Helpore Admin Light, it authorises Helpore only to transmit the application to the insurance partner and to receive the policy. The Household is the policyholder. After Helpore Admin Light ends, the Household keeps the recorded employment terms, its payslips and wage statements through the export in its account; Helpore retains them for the statutory period of ten years.

11. Helpore Admin (ongoing relationships)

Helpore Admin supports a structured ongoing relationship between a Household and a Helper. It may include a contract between the Household and Helper, monthly payroll records, holiday tracking, extra hours, rate or hours changes, payment records, payslips, annual documents, insurance and tax admin records, termination workflows and notice-period support.

A Helpore-sourced relationship may move into Helpore Admin when eligible. Moving to Helpore Admin does not reduce the Helper’s pay. If the Helper was first introduced through Helpore, the relationship remains Helpore-sourced during the protection period described below, even if it later becomes more regular or administratively managed.

Once a relationship is on Helpore Admin or Helpore Admin Light, Helpore does not charge hourly Helpore Flex fees for that specific relationship. The Household remains responsible for the Helper wage, payroll and statutory amounts, insurance, taxes and any other employment-related amounts, in addition to the Helpore Admin or Helpore Admin Light subscription. The first fee of a Helpore Admin or Helpore Admin Light subscription is one full month or one full year of the chosen billing cycle, counted from the day billing starts; it is not calculated pro rata, also when the Household, as the employer, moves an existing employment to Helpore during the year, and nothing is charged for the months before that day.

Each Helpore Admin employment relationship of a Household is its own subscription. Where a Household runs more than one Helpore Admin subscription, each further Helpore Admin subscription costs CHF 19.90 per month or CHF 214.80 per year for as long as the first Helpore Admin subscription is active. When the first Helpore Admin subscription ends, the further subscription concerned moves to the full Helpore Admin price (CHF 23.90 per month or CHF 238.80 per year) from the start of its next billing period; nothing is charged retroactively, and Helpore tells the Household the new amount and its date beforehand. A Helpore Admin Light subscription is never a first Helpore Admin subscription for this rule. The notice applies to each subscription separately. The Household remains the employer of each person; each person has their own employment contract, their own payroll records and their own documents.

Subscription cancellation: Helpore Admin and Helpore Admin Light subscriptions run until cancelled. Helpore Admin carries three months' notice on both billing cycles. A monthly Helpore Admin subscription ends at the end of the third month after the month of the notice. A yearly Helpore Admin subscription ends at the end of the running subscription year when the notice reaches Helpore at least three months before that date, otherwise at the end of the following subscription year. A monthly Helpore Admin Light subscription may be cancelled monthly: it ends on the last day of the monthly fee period in which the notice reaches Helpore, and no further monthly fee falls due after the notice. A yearly Helpore Admin Light subscription carries three months' notice to the end of the subscription year and ends at the end of the running subscription year when the notice reaches Helpore at least three months before that date, otherwise at the end of the following subscription year. The notice is sent from the Helpore Admin area on the website or in the app and Helpore confirms the end date by email. The Household may withdraw its notice until the last day of the month in which it was given, and at the latest on the end date; after that day the notice stands. The subscription fee remains due until the end date. Ending the subscription ends Helpore's administration for that relationship; the employment relationship and any notice period towards the Helper are governed by the employment contract and mandatory law. After the subscription ends, the Household keeps its contracts, payslips and wage statements through the export in its account; Helpore retains them for the statutory period of ten years.

12. Helpore-sourced relationships and off-platform arrangements

A Helper is Helpore-sourced when the Household discovered, contacted, booked, received a recommendation for or was introduced to that Helper through Helpore. A Helpore-sourced relationship remains protected for three months from the first booking made through Helpore.

An off-platform arrangement means that, during the protection period, the Household and a Helpore-sourced Helper arrange the same or substantially similar household work outside Helpore, or move the relationship outside Helpore, in a way that avoids Helpore booking, administration or Service Fees. This includes direct payment, separate scheduling, private continuation of a Helpore-sourced relationship or an off-platform transition after Helpore created the introduction.

This clause does not apply to Imported Helpers or Existing Helpers the Household already knew independently of Helpore, to general outside work the Helper performs for other households, to work that is genuinely unrelated to the Helpore introduction, or to situations where mandatory law requires a different outcome. Helpore does not restrict a Helper’s general right to work for others, use other platforms, leave Helpore or keep independent outside clients.

Where the Household found a Helper through Helpore and continues the employment relationship without Helpore within three months of the first booking, it owes Helpore a one time release fee of at most the amount it would have paid Helpore for three months of administration, calculated on its actual volume. Service Fees already paid are credited. In francs: for Helpore Admin or Helpore Admin Light three times the monthly fee of the plan actually billed, or a quarter of the yearly fee; for Helpore Flex the service fee of CHF 3.50 per hour for the hours booked in those three months, in each case less the Service Fees already paid during the protection period. After three months of working together through Helpore no fee applies. The release fee replaces the subscription fee during the notice period; the two are never charged together. The fee applies to the Household, not the Helper, and does not reduce the Helper's pay. The placement fee under clause 9 is unaffected.

There are no agreements preventing the Household from employing the Helper directly after the end of the assignment (Art. 22 para. 2 AVG). The Household may continue the employment relationship with the Helper without Helpore at any time; Helpore does not restrict that.

13. No restriction of Helper

Helpore does not restrict Helper from entering into an employment relationship with the Household after an assignment ends (Art. 19 para. 5 lit. b AVG).

14. Booking cancellation, service cancellation and employment termination

Cancelling or rescheduling a booking is separate from cancelling a Helpore Admin service. Cancelling Helpore services is separate from terminating the Household Employment Relationship between the Household and the Helper.

Flexible bookings may be rescheduled through the booking area until 48 hours before the scheduled start time, subject to the same Helper’s availability, the same booking duration and Helpore validation. If the Household cancels a paid flexible booking at least 48 hours before the scheduled start time, Helpore will refund or credit the eligible amount after deducting any earned Helpore fees and any amounts already due or legally required. If the Household cancels less than 48 hours before the scheduled start time, the booking may be treated as late-cancelled, no refund is due for that booking and the Helper wage amount remains payable, subject to mandatory law. If a visit of a recurring series is cancelled at least 48 hours before its start, the Helpore Service Fee of that visit is credited to the Household's Helpore balance for the next booking rather than refunded; the one time placement fee is not affected. For a late-cancelled booking the Helpore Service Fee is earned, and the statutory amounts on the payable Helper wage are administered as for a performed booking.

Ending Helpore Admin must follow the relevant service workflow and may require a signed amendment, termination record, final payroll record, final invoice, document update or settlement adjustment. Employment termination must respect the employment contract, applicable notice periods and mandatory law. If a Household cancels Helpore but continues employing the Helper outside Helpore, the Household is responsible for future payroll, tax, insurance, contribution, document and employment administration.

Subscription cancellation: Helpore Admin and Helpore Admin Light subscriptions run until cancelled. Helpore Admin carries three months' notice on both billing cycles. A monthly Helpore Admin subscription ends at the end of the third month after the month of the notice. A yearly Helpore Admin subscription ends at the end of the running subscription year when the notice reaches Helpore at least three months before that date, otherwise at the end of the following subscription year. A monthly Helpore Admin Light subscription may be cancelled monthly: it ends on the last day of the monthly fee period in which the notice reaches Helpore, and no further monthly fee falls due after the notice. A yearly Helpore Admin Light subscription carries three months' notice to the end of the subscription year and ends at the end of the running subscription year when the notice reaches Helpore at least three months before that date, otherwise at the end of the following subscription year.

15. Fees, VAT and payment allocation

Helpore charges Service Fees for platform access, booking support, administration, document workflows, payment records and related support. The total amount, including the Service Fees and any card fee, is shown before payment. All listed Helpore prices include VAT, to the extent it is owed.

Helper wages, employee deductions, employer social contributions, employment-related insurance amounts, tax amounts, simplified-settlement amounts and similar items are administered employment-related amounts, not Helpore’s own service revenue, unless the applicable configuration, legal treatment or tax sign-off says otherwise.

Referral Rewards are Helpore promotional and marketing costs borne by Helpore. They are not Helper wages, not administered employment-related amounts, and are not funded by or deducted from any Household's payments or any Helper's pay.

Fee changes do not reduce Helper pay for accepted or performed work. Helpore may adjust estimates, allocations, invoices, refunds, credits or top-ups if required by a payment provider, compensation office, insurer, tax authority, court, competent body, corrected data or mandatory law.

16. Verification and documents

Households and Helpers may need to provide identity documents, company documents, work eligibility documents, address details, AHV or UID details, insurance information, tax information, banking information, contracts, authorizations or other documents needed for Helpore workflows.

Helpore may suspend, hide, restrict or delay access, booking, payouts, profile visibility, documents or services if information is missing, inconsistent, expired, false, unverifiable or not sufficient for the requested service. Rejection of a document may require re-upload, correction or admin review. Verification supports trust and administration but does not guarantee that a Household or Helper is suitable for every job or that all future legal, tax, insurance or employment requirements are fully satisfied without further updates.

Helpore never refuses wages for work performed and never holds them back to enforce another obligation. Where Helpore must hold a transfer for a named reason, for example because the Household's payment has not yet arrived, because a detail the payslip legally requires from the Helper, such as the IBAN or the AHV number, is missing, or because an authority or a court orders it, Helpore tells the Helper what is missing and on which payout day the wage follows once the reason falls away. Helpore makes no advances; the Helper's wage claim against the Household remains unaffected.

17. Messaging, reviews and ratings

Users must communicate respectfully and honestly through Helpore. Helpore may moderate, review, restrict or retain messages, reports, reviews, ratings, reliability signals and dispute information where needed for safety, support, fraud prevention, compliance, dispute handling, platform integrity or legal reasons.

Reviews and ratings must be based on genuine experiences and must not be abusive, discriminatory, misleading, paid for, manipulated or used to threaten another user. Helpore may remove, hide, adjust or investigate reviews, reliability signals or ratings where they appear false, retaliatory, unsafe, irrelevant or inconsistent with platform rules.

18. Safety and prohibited use

Users must not use Helpore for unlawful, unsafe, abusive, discriminatory, exploitative, fraudulent, misleading or harmful purposes. Households must provide a safe work location and must not request work outside the agreed service scope, illegal tasks, unsafe tasks, undeclared work, false hours or false employment information. Helpers must not accept work they are not eligible or reasonably able to perform.

Helpore may refuse, suspend, cancel or restrict a booking, account, document, payout or service where safety, trust, legal, payment, identity, fraud, insurance, tax or platform integrity concerns exist. These measures never concern wages for work performed (clause 16). Where the Household disputes that a confirmed visit took place, Helpore holds only the wage for that visit, tells the Helper and the Household what is being checked and by when Helpore will decide, and then pays out the wage or credits the amount to the Household. A Helper who does not appear for a confirmed booking without cancelling (a no show) is marked on their reliability record and profile. A second no show within twelve months pauses the Helper's profile until Helpore has spoken with the Helper; a third removes the profile from Helpore. A no show caused by the Household, for example because nobody opened the door, is not counted against the Helper.

19. Payroll, insurance, tax and authority calculations

Helpore supports payroll, insurance, tax, contribution and employment administration workflows based on available data, configured assumptions, external providers, authority requirements and applicable law. Calculations, the allocation of the amounts to wage, deductions, contributions, premiums and fees, the reserves for insurance and pension, payslips, invoices, annual documents and declarations may change when corrected information is received or when an authority, insurer, compensation office, payment provider, bank, payroll configuration, court or competent body requires a different treatment.

If the final amount owed is higher than the amount collected, the Household must pay the shortfall. If the final amount is lower, Helpore will refund or credit the remaining eligible amount after deducting outstanding Helper pay, statutory contributions, insurance, tax, Helpore fees, corrections and other employment-related amounts.

Where the Household selects insurances in Helpore (accident, supplementary accident, daily sickness allowance, household liability), Helpore transmits the application to the insurance partner on the basis of the authorization given at that moment or of the authorization under clause 5. The Household is the policyholder; the policy is issued to it and made available in Helpore. Choosing an insurance is voluntary and is not a condition for using Helpore. Premiums shown before conclusion are estimates. Helpore does not advise and the product information comes from the insurer. Helpore AG receives remuneration in line with the market from the insurer; the Household agrees to this and waives its surrender (Art. 400 para. 1 CO).

20. Liability

Helpore provides platform, booking, payment-record, document and administration support. Helpore is not liable for the acts or omissions of Households or Helpers, except to the extent required by mandatory law or where caused by Helpore’s gross negligence or wilful misconduct.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under mandatory law. Helpore does not guarantee uninterrupted availability, a particular number of bookings, a particular Helper or Household, final authority treatment, or that estimates will match final invoices, contributions, tax or insurance amounts.

21. Account closure and surviving obligations

Helpore may suspend or terminate accounts that breach these Terms, misuse the platform, create safety concerns, provide false information or create legal, payment, insurance, tax or platform-integrity risk. Users may request account closure, subject to any active bookings, pending payments, documents, disputes, payroll records, legal retention periods and employment-related obligations.

Closing a Helpore account does not automatically terminate the Household Employment Relationship between a Household and a Helper. Outstanding payments, invoices, refunds, statutory amounts, documents, admin obligations, dispute records, audit trails, confidentiality duties and provisions intended to survive termination remain in effect.

22. Changes to services and Terms

Helpore may update services, pricing, payment flows, settlement timing, account structure, verification requirements, document workflows, availability rules, cancellation workflows, insurance workflows, tax workflows or these Terms to reflect legal, operational, provider, authority or business changes. Helpore informs users of material changes where required, and requires re-acceptance where required by law or by a platform rule.

23. Governing law and jurisdiction

These Terms are governed by Swiss law. The courts of Zürich, Switzerland have jurisdiction over disputes arising from or related to these Terms, subject to mandatory legal provisions and any mandatory consumer, employment or data-protection forum rules that cannot be waived.

24. Helper Referral Programme

24.1 A Helper with an active, verified Helper account (the Referring Helper) may invite a person who is not already registered with Helpore (the Referred Helper) to join as a Helper. To obtain a personal referral link or code, the Referring Helper must be logged in to their Helpore account. Referral links and codes are personal to the Referring Helper's account and must not be sold, used in paid advertising, or shared in a misleading manner.

24.2 A referral is eligible for a Referral Reward only where: (a) the Referred Helper was not registered with Helpore, and was not a Helpore-sourced or previously registered Helper, at the time of referral; (b) the Referred Helper signs up using the Referring Helper's referral link or code; (c) the Referred Helper completes Helpore verification in accordance with clauses 8 and 16; and (d) the Referred Helper completes at least 30 Booked Hours, or such other threshold as Helpore specifies in the Platform for a given period. Booked Hours that are cancelled, refunded, disputed or arranged outside Helpore do not count.

24.3 Where the conditions in clause 24.2 are met, Helpore pays the Referring Helper the Referral Reward stated in the Platform at the time of the referral. The Referral Reward is a cash payout issued to the bank or payment details held on the Referring Helper's account once the conditions are met, and is not Booking Credit (see clause 6). The Referral Reward amount and conditions are those displayed in the Platform at the relevant time; Helpore may change, suspend or end the Referral Programme, or vary the Referral Reward and conditions, at any time, without affecting Referral Rewards already paid or referrals that have already met the conditions in clause 24.2.

24.4 Self-referrals, referrals between accounts controlled by the same person, and referrals of existing, previously registered or Helpore-sourced Helpers are not eligible. A given Referred Helper may generate at most one Referral Reward. There is no limit on the number of distinct, eligible Referred Helpers a Referring Helper may refer.

24.5 The Referral Programme does not authorise any arrangement that circumvents clause 12 (Helpore-sourced relationships and off-platform arrangements) or the Service Fees due to Helpore. Referral activity concerns the introduction of new Helpers to the Platform only and does not change the obligations in clauses 12 and 13.

24.6 Acting reasonably, Helpore may withhold, reverse or cancel any Referral Reward, and may suspend participation in the programme, where it identifies fraudulent, duplicate, fake, automated or otherwise abusive activity, or any breach of these Terms (see clauses 16 and 18).

25. Tax and general

25.1 Each Helper is responsible for any personal tax consequences arising from Referral Rewards they receive.

25.2 This section forms part of these Terms and is subject to them, including clause 20 (Liability), clause 22 (Changes to services and Terms) and clause 23 (Governing law and jurisdiction). Where this section conflicts with the general Terms, the general Terms prevail unless this section expressly states otherwise.

26. Signing

These Terms are accepted electronically when the account is created. Households that use Helpore Flex or run a Helpore-sourced Helper under Helpore Admin sign one contract package once, in written form (by hand or with a qualified electronic signature): the authorization, the Helpore Flex framework agreement and these Terms as an annex naming the version. Households that run only an Imported Helper under Helpore Admin accept the authorization and the employment contract electronically. Under Helpore Admin Light, Helpore prepares no employment contract. The Household and its Helper agree the employment terms between themselves; the Household confirms the agreed employment terms in Helpore, and a Helper with a Helpore account confirms them too. The signed version of these Terms is the version named in the annex. No authorization under clause 5 is granted for Helpore Admin Light and no package is signed there. Helper do not sign these Terms. A later version of these Terms applies from its publication under clause 22; the package is signed again only where the authorization or the framework agreement changes.