Terms and conditions

Contracting party

What Bilanzi is

Bilanzi is bookkeeping software for Swiss businesses that runs in the browser. You use it for receipts, entries, invoices, contacts, VAT and the year-end close.

Your contract is with Mainbranch GmbH, named above. Bilanzi is meant for businesses. Where mandatory law gives consumers more rights, those rights apply.

Bilanzi keeps growing. What it can do today is on the Pricing and features page.

Your account

You sign up yourself, with Google, with Apple, or with your email address and a password. You can only post entries once your email address is confirmed.

Give true details when you sign up. Keep your password to yourself, and ideally set up a second factor.

If you keep the books of another business, you need its consent. You decide who can see and do what in your business through roles and invitations.

The Free plan costs nothing, and that will not change

The Free plan is free of charge and has no time limit. It includes one company and every feature you operate yourself, including the VAT return and payroll. The AI, WhatsApp and everything that runs by itself belong to Autopilot. Storage for receipts has a limit, and the pricing page states it.

When you set up your first business, it starts on the Free plan. If it received a trial before 27 September 2026, that trial runs until it ends. After that it is on the Free plan without you doing anything, and everything you posted stays.

We never ask for a credit card or any other payment details for the Free plan. The Free plan never turns into a paid plan on its own. You only have a paid plan if you take one out yourself.

• The Free plan stays free
• No credit card and no payment details
• No automatic switch to a paid plan
• Your data stays, even when you change plans
• You can take your books out at any time

The limits of the Free plan

The Free plan has these limits: one company and limited storage for receipts. We do not count people, entries or invoices.

When you reach a limit, only the next addition is refused: no second company, no further receipt once the storage is full. Everything already there stays, and you keep posting as before.

Each person runs at most one business on the Free plan. You can set up another one once the first has a paid plan.

Your books remain your responsibility

You may run your real business on Bilanzi. That is what it is built for.

Bilanzi is a tool. The duties under the Code of Obligations and the VAT Act stay with your business. Bilanzi does not keep your books for you, and it does not replace your auditor.

Check entries, returns and year-end accounts before you use or file them. Bilanzi calculates the VAT return, and you file it with the FTA.

Paid plans

Besides the Free plan there is the Autopilot plan. What a plan includes is shown on the pricing page of bilanzi.ch. What it says there on the day you pay is what applies.

If you took out Plus, Starter or Business before 14 October 2026, you keep your plan at the price you have been paying. From that day on it includes every feature of Autopilot. Companies and storage stay as they were.

You take out a plan for one business, under Settings › Subscription and costs or straight from a notice in the program. The owners and the admins of the business can do this. The contracting party on your side is the business.

You pay on a page run by Stripe, by card, TWINT, Apple Pay or Google Pay. Stripe only collects the money. Your contracting party remains Mainbranch GmbH, and we never see a full card number.

Your plan takes effect as soon as your payment is confirmed. We then send you an email, and the receipt comes from Stripe. There is no trial period.

Prices, payment and renewal

All prices are in Swiss francs and include VAT. You pay in advance, for one month.

Your payment method is saved. At the end of each period the plan renews for another period of the same length, and we charge the price until you cancel. With a yearly plan, we tell you by email one week beforehand.

If we raise a price, we tell you by email at least 30 days in advance. The new price only applies to a renewal after that notice period. If you do not agree, you cancel effective at the end of the current period.

If we take something essential away from a plan, the same applies. We tell you at least 30 days in advance, and you can cancel effective at the end of the current period.

If you paid for a year of Autopilot before 6 November 2026, your year runs until it ends. Whatever you paid above twelve monthly prices, we refund to your payment method for the remaining months. After that, Autopilot renews every month.

Changing plans

You can switch to another plan or another billing interval at any time. Before you switch, Bilanzi shows you what you pay today and from when the new plan applies.

We credit whatever is left of your paid period. If there is still something to pay after that, the new plan applies from the payment, for a whole new period.

If there is nothing left to pay, you switch at the end of the current period. Any credit left over from this is not paid out.

Cancelling

You can cancel at any time, under Settings › Subscription and costs. The plan keeps running until the end of the paid period. Until then you can withdraw the cancellation.

We do not give partial refunds for a paid period, not even after you cancel. The only exception is the refund for a year of Autopilot described under Prices.

We can terminate the contract with 90 days’ notice, effective at the end of a period. If we do so without you having given us a reason, we refund the unused part of the paid period and your unused credit.

For good cause, such as misuse, we can terminate without notice.

When a payment fails

If the payment for a renewal fails, your plan keeps running for another 14 days. During that time we try up to three times, and we tell you by email each time.

If you add a different payment method under Settings › Subscription and costs, we try again straight away.

If it is still not paid after 14 days, your business is back on the Free plan. You then owe us nothing. We do not charge reminder fees or default interest.

When a paid plan ends

When a paid plan ends, your business is back on the Free plan. Nothing is deleted. All companies, people, entries and receipts stay, and you keep posting.

What belongs only to Autopilot is no longer available: the AI, WhatsApp, the connection to your bank, and invoices and reminders that go out by themselves. Everything you do yourself stays.

You can only add new things within the limits of the Free plan. Any letter credit is kept and works on every plan.

The switch bonus

If you move to Bilanzi from bexio or Abacus, we give you Autopilot free until the last day of your current subscription, for three months at most. You choose the day yourself. We ask for no proof.

The bonus is given once per business and once per person, for a business on the Free plan. It costs nothing, and nothing is charged.

Fourteen days before it ends, we tell you by email. After that your business is back on the Free plan, as when a paid plan ends. If you take out a plan before then, the gift ends with the confirmed payment.

We may stop the bonus for new moves or change its length at any time. A running bonus keeps its end.

The AI

On Autopilot, the AI reads receipts, helps with the bank, the year-end close and texts, and answers questions about your books. This is included in the price of the plan.

Autopilot is meant for the books of your own companies. If the AI reads far more than usual in a month, it may pause until the end of that month. We will then get in touch with you.

On the Free plan, the AI reads ten receipt pages once, free of charge. An AI proposal stays a proposal. Nothing is posted until you accept it. Which data goes where for this is set out in the privacy notice.

Any AI balance you bought before 14 October 2026 is kept. If the AI would otherwise pause, it keeps reading from that balance, and you see the price first. On request, we pay it back to you. If a payment for it is reversed, the same applies as for letter credit.

Letters by post

On every plan, including the Free plan, you can send an invoice, a quote or a payment reminder as a letter. A print shop in Switzerland prints it in colour, puts it in an envelope and hands it to Swiss Post. Letters only go to addresses in Switzerland and Liechtenstein.

You are responsible for what a letter says and where it goes. If a letter does not arrive because the address is wrong or incomplete, it is not replaced and the credit does not come back.

Letters are paid for with letter credit in francs, which you top up in advance. Each letter costs what the pricing page states for its type of delivery and number of pages. The credit never expires. You can use it on every plan, and it is never paid out.

After sending, you can take a letter back for ten minutes. You then get the credit back. The same applies if the print shop rejects the letter before it is with Swiss Post. In every other case the credit is used up.

If a payment for letter credit is reversed, we take back the credit it paid for and freeze the rest until the matter is settled. What the print shop receives is set out in the privacy notice.

What we do not promise

Bilanzi runs without a promise of any particular availability, on the paid plans too. There can be faults and interruptions, and individual screens can change.

What we do promise is the care behind it. A posted line is never overwritten. Entries, receipts, the chart of accounts, bank accounts, locks and permissions go into the audit trail, each record chained to the one before. The database holding your books is in Switzerland. When something goes wrong, we tell you rather than quietly repairing it.

Even so, keep your books the way you would without us. Take an export regularly and file it with your other business records.

Your business’s data

We process your business’s books on your behalf (Art. 9 FADP). We use them only to provide Bilanzi to you, and for nothing else. We only look at them when running the service, security or your support request requires it.

For this we use services from other companies. Which ones they are, where they work and what they receive is set out in the privacy notice. If a new one is added, it is listed there before it receives any of your business’s data.

We protect the data in line with the state of the art. If it still falls into the wrong hands, we tell you as soon as possible. If a person asks for information about their data in your books, we help you with it.

How we handle data about you yourself is also set out in the privacy notice.

Liability

We are liable without limit for damage we cause intentionally or through gross negligence.

For slight negligence, our liability is limited to the amount your business paid us in the twelve months before the damage. In that case we are not liable for lost profit or other indirect damage. This also applies on the Free plan, and to the people and companies who work for us.

We are not liable for whether the entries, returns or year-end accounts you create with Bilanzi are professionally correct. Where mandatory law says otherwise, it takes precedence.

What you book stays

Your data stays as Bilanzi grows. You never start over, and you never have to load anything back in yourself.

If you move to a paid plan and then cancel it, you are back on the Free plan. Everything you have booked stays in place.

Should we ever shut Bilanzi down, we will tell you at least 90 days in advance. Until it is switched off, you can take out your books in full. We then refund the unused part of a paid period and your unused credit.

Taking your data out, and stopping

You can reach your data at any time. Under «Take the books out» you get the books of a financial year as files, with the journal, accounts and subledgers. You open any receipt with «Open the original». This is not tied to any deadline or any plan.

Keeping your books for as long as the law requires remains your duty. So take them out before you close a company or delete your account. After that you can no longer reach them.

If you want to stop, you delete your account yourself, in the danger zone under Settings. Your business’s books remain subject to the statutory retention described in the privacy notice. Everything else we delete with the account.

Changes to these terms

If these terms change, we tell you by email at least 30 days in advance and update the date above.

If you do not agree, you cancel your plan effective on the day the change applies, or you take your books out and stop. A change never asks anything of you retroactively.

Governing law

Swiss law applies. The place of jurisdiction is Hinwil, unless mandatory law provides otherwise.