Terms for organizations

Last updated: August 2026

These Terms and Conditions (the “Terms”) govern the contractual relationship between Frank Business Insights (“Echo”, “we”, or “us”) and the registering legal entity, organization, or sole proprietorship (the “Customer”, “you”, or “Organization”) concerning use of the Echo service for organizations.

By registering an organization account or purchasing a package, the Organization acknowledges these Terms as binding.

1. Subject matter & scope of service

1.1 Description of the service

Echo provides organizations with a platform to offer Echo letters to their customers, employees, clients, or other eligible recipients (“Recipients”). The service includes a management dashboard, creation of Echo vouchers, administration of letter quotas, and physical printing and mailing of letters by Swiss Post.

1.2 Packages

The service is offered in the following packages:

1.3 Letter quotas

Premium and Pro include an annual letter quota in the Basic category. For a surcharge, the quota may be upgraded to Medium or Top:

1.4 Echo vouchers

Independently of letter quotas, Echo vouchers may be purchased individually and given to Recipients.

1.5 Cover letter (Pro package only)

Organizations on the Pro package may enclose a personal cover letter with each Echo letter. The cover letter is stored as a separate organization document and enclosed in the envelope at printing. Its content is a message from the Organization, not private communication by the Recipient.

1.6 Privacy principle

Through technical encryption, Echo ensures that the Recipient’s private letter content and postal address are never visible to the Organization.

2. Contract formation & registration

2.1 Capacity to contract

The Customer confirms that it is a legal entity, a registered organization, or a sole proprietorship, and that the person registering is authorized to represent the Organization legally.

2.2 Registration

The contract is formed by registering an organization account and expressly accepting these Terms and the Data Processing Agreement (AVV).

2.3 Accuracy of information

The Customer undertakes to provide complete and truthful information about the Organization (company name, UID/VAT number, billing address, contact person). Changes must be reported without delay.

2.4 Account type

The Customer expressly selects the account type “Organization” and confirms that the service is used for business or commercial purposes.

3. Prices & payment terms

3.1 Prices

All prices are in Swiss francs (CHF) excluding VAT. The prices shown on the website at the time the contract is concluded are decisive.

3.2 Billing period

Premium and Pro packages are billed annually in advance. The Free package is free of charge and is not billed.

3.3 Due date

Payment is due immediately upon contract formation or at the start of each new contract year. Invoices are issued electronically.

3.4 Late payment

In the event of late payment, Echo is entitled to:

• Charge a reminder fee of CHF 20.–
• Suspend dashboard access until payment has been made

3.5 Price adjustments

Echo reserves the right to adjust prices for Premium and Pro. Price increases will be notified to the Customer by email no later than 30 days before automatic renewal. The new price applies from the next contract period. The Customer may terminate the contract ordinarily at the end of the current term if it does not agree to the increase.

3.6 No refunds

Early termination does not entitle the Customer to a pro-rata refund of fees already paid.

4. Letter quotas

4.1 How quotas work

Letter quotas determine how many Echo letters the Organization may release for physical mailing per contract year. As long as quota remains available, further letters may be set to “Scheduled”.

4.2 Quota exhausted

Once the annual letter quota is exhausted, Echo vouchers may still be created and Recipients recorded in the system, but no further letters may be released for physical mailing. The Organization may:

• Expand the quota by upgrading to a higher category (Medium or Top)
• Wait until the start of the next contract year
• Alternatively purchase Echo vouchers individually (see section 5: Echo vouchers)

4.3 No carry-over

Unused letter quota expires at the end of the contract year. Carry-over into the following year is excluded.

4.4 No refund

Unused letter quota is not refunded or credited.

4.5 Upgrade during the term

An upgrade of the quota category (e.g. from Basic to Medium) is possible at any time during the term. The additional amount for the upgraded category is charged retrospectively for the entire current contract period.

5. Echo vouchers

5.1 Purchase

Echo vouchers may be purchased individually, independently of letter quotas. Each voucher entitles one Recipient to send an Echo letter.

5.2 Validity

Echo vouchers are valid for 24 months from creation. Unredeemed vouchers expire after that period with no claim to replacement or refund.

5.3 Transferability

Vouchers may be given by the Customer to any Recipients. Resale or commercial redistribution of vouchers by the Organization is prohibited.

5.4 No refund

Purchased vouchers are non-refundable, whether redeemed or expired.

6. Dashboard use & account security

6.1 Access rights

The Customer may grant authorized employees access to the dashboard. The Customer is responsible for managing access rights and complying with internal authorization policies.

6.2 Credentials

The Customer undertakes to keep login credentials (username, password) confidential and protected against unauthorized access. Disclosure to third parties outside the Organization is prohibited.

6.3 Visible data

Through the dashboard, the Organization may see only:

• Recipient names
• Echo letter status: “voucher open”, “writing”, “scheduled”, “dispatched”
• The delivery date chosen by the Organization
• An overview of remaining letter quota and Echo vouchers

6.4 Data not visible

The Organization has no access to:

• The Recipient’s private letter content
• The Recipient’s postal address

6.5 Misuse & suspension

Echo may temporarily or permanently suspend the account if misuse is suspected, these Terms are breached, or system security is endangered. The Customer will be informed without delay in such cases.

6.6 Liability for account use

The Customer is liable for all activity under its organization account, whether by authorized or unauthorized persons.

7. Data protection & Organization information duties

7.1 Data-protection roles

Where the Organization uses Echo as a benefit for third parties, the Organization is the controller for recipient data it collects (name, desired delivery date, cover letter content). Echo acts as processor under Art. 9 nFADP.

7.2 Data Processing Agreement (AVV)

Upon contract formation, the Customer accepts the Data Processing Agreement (AVV), which covers technical and organizational measures (TOMs), data-subject rights, and handling of data at the end of the contract.

7.3 Information duties toward Recipients

The Customer undertakes to inform Recipients before handing over the Echo voucher or link, transparently and in plain language, that:

• The Organization can see the status of the Echo letter
• The Organization can see the planned delivery date
• The private letter content and postal address are not visible to the Organization
• Depending on the package, an Organization cover letter may be enclosed in the envelope

7.4 Legal basis

The Customer is responsible for ensuring a valid legal basis under the nFADP for processing Recipient data (e.g. consent, performance of a contract, or legitimate interest).

7.5 Liability for data-protection breaches

The Customer is liable for all data-protection breaches arising from insufficient information of Recipients or lack of a valid legal basis. The Customer shall indemnify and hold Echo harmless in this respect.

8. Obligations of the Organization

8.1 Lawful use

The Customer undertakes to use the service solely for lawful purposes and in accordance with all applicable laws.

8.2 Prohibited uses

In particular, the following are prohibited:

• Use for spam, unsolicited advertising, or harassment
• Sending unlawful, discriminatory, or insulting cover letters
• Use for purposes contrary to public order or morality
• Circumventing technical protective measures

8.3 Responsibility for cover letters

The Organization is solely responsible for the content, accuracy, and lawfulness of cover letters it writes.

8.4 Duty to notify

The Customer undertakes to inform Echo without delay of any legal violations or data breaches in connection with use of the service.

9. Liability & warranty

9.1 Exclusion of liability for slight negligence

To the extent permitted by law, liability of Echo, its legal representatives, employees, or agents for slight negligence is excluded.

9.2 Liability for auxiliary persons

Liability for the conduct of auxiliary persons (e.g. Swiss Post employees, external IT hosting providers) is excluded pursuant to Art. 101 CO.

9.3 Liability cap

Echo’s total liability is limited to the amount paid for the relevant contract year.

9.4 Exclusion of indirect damages

Liability for indirect damages, lost profits, data loss, consequential damages, or business interruption is excluded to the extent permitted by law.

9.5 Availability

Echo aims for high availability of the service. No guarantee of uninterrupted availability or freedom from errors is given. Maintenance windows are permitted and will be announced in advance where possible.

9.6 Force majeure

In the event of force majeure (e.g. natural disasters, pandemics, strikes, official orders), the performance obligations of both parties are suspended for the duration of the disruption.

9.7 No right of withdrawal

The Customer acknowledges that there is no statutory right of withdrawal in a B2B relationship.

10. Term & termination

10.1 Term

• Free package: Indefinite; terminable at any time
• Premium & Pro packages: Minimum term of 12 months from contract formation

10.2 Automatic renewal

Premium and Pro packages renew automatically for further 12-month periods unless terminated in time.

10.3 Ordinary termination

Ordinary termination of Premium and Pro packages is possible with 60 days’ notice before the end of the respective term. Termination must be made via the online account.

10.4 Extraordinary termination

Either party may terminate for cause. Cause exists in particular in the event of:

• Serious breaches of these Terms
• Payment default of more than 30 days
• Insolvency or liquidation of a party

10.5 Consequences of termination

On ordinary termination:

• Dashboard access and package features remain fully available until the end of the paid term
• After the term ends, the account is automatically switched to the Free package
• Echo letters already paid for and scheduled continue to be delivered according to plan, regardless of termination
• Operational data are deleted at the Organization’s request (see Privacy Policy, section 11.5)
• Financial data are retained in accordance with statutory retention periods (10 years under Art. 958f CO)

On extraordinary termination:

• Dashboard access is suspended immediately
• If package fees have been paid, Echo letters already paid for and scheduled continue to be delivered
• The rules on data deletion and retention above apply accordingly

11. Intellectual property

11.1 Echo’s rights

All rights in the software, dashboard, design, the “Echo” brand, logos, and other Echo content remain exclusively with Echo.

11.2 Right of use

The Customer receives a simple, non-transferable, revocable right to use the platform for the duration of the contract for business purposes within the scope of these Terms.

11.3 Restrictions

The Customer is not entitled to:

• Modify, decompile, or reverse-engineer the software
• Resell, rent, or sublicense the platform or parts of it to third parties
• Use Echo trademarks or logos without express written consent

12. Changes to the contract

12.1 Changes to the Terms

Echo reserves the right to change these Terms at any time. The Customer will be informed of changes by email or by a notice in the dashboard.

12.2 Right to object

The Customer may object to changes in writing within 30 days of notification.

12.3 Deemed acceptance

If the Customer does not object within the period, the amended Terms are deemed accepted.

12.4 Objection and right of termination

If the Customer objects to the amended Terms in time, Echo may terminate the contract extraordinarily with 30 days’ notice to the end of the month. The right of ordinary termination at the end of the term remains unaffected.

13. Governing law & jurisdiction

13.1 Governing law

Swiss law applies exclusively. The UN Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded.

13.2 Jurisdiction

The place of jurisdiction for all disputes arising out of or in connection with this contract is the registered office of Frank Business Insights. Echo is also entitled to sue the Customer at the Customer’s seat.

14. Severability

14.1 Partial invalidity

If any provision of these Terms is invalid or unenforceable, the validity of the remaining provisions remains unaffected.

14.2 Replacement clause

In place of the invalid provision, a valid provision is deemed agreed that most closely approximates the economic purpose of the invalid provision. The same applies to gaps in the Terms.