QVS Mobile Banking vs RentReducer

Have your bank in your pocket and be efficient – Our app for safe usage of your e-banking with your smartphone or tablet, no matter where you are. What you can do with our mobile banking app: - Current accounts: view balances and activities - Assets: follow the current valuation of your portfolio and view individual positions and recent transactions - Performance: stay on top of its development - Contact: talk to your relationship manager on the phone - Chat: get help with your accounts or speak to us by using our secure Chat function - Push notifications: get an alert instantly when your relationship manager has any news for you - News: easy access to daily headlines and updates - Payments: manage your payments worldwide - Transfers: account-to-account transfer - Scan & pay: conveniently scan your payment slips - Cards: view your cards and card transactions and get help if your card gets stolen or lost - Trades: Keep an eye on your investments and base your investment decision on real-time share price information Quilvest (Switzerland) Ltd. provides this app exclusively for existing customers. What you will need to start: - Banking relationship with Quilvest (Switzerland) Ltd. - Signed e-banking contract - Signed electronic communication contract The range of functions available may differ depending on the country you are based in. The availability of the QVS Mobile Banking App in the App Store for download does not constitute a solicitation, an offer or a recommendation to enter into any transaction, nor does it establish or constitute a solicitation or offer to establish a customer relationship between the person who downloads the App and Quilvest (Switzerland) Ltd. The QVS Mobile Banking app offers you the same level of security as QVS e-banking. We hope you’ll find our app useful, and we look forward to receiving your feedback.

Did the Swiss reference rate drop? You may have a right to a lower rent. RentReducer shows you in two minutes whether you have a claim, and mails the right letter straight to your landlord. RentReducer is an independent app and is not affiliated with, operated by, or endorsed by the Swiss Confederation, any canton, public authority, or court. All official data and legal references used in the app are listed individually below under "Sources and Disclaimer". ONE TAP TO SEND. THE APP DOES THE REST You tap Send once. The app generates the reduction request with your signature and has it printed and sent via Priority Mail (A-Post) by our Swiss postal partner. If no answer comes, the app reminds you after 30 and 60 days, and you fire the right follow-up letter from the app: reminder, document request, or conciliation. No printer, no stamps. WHAT THE APP DOES - Check your claim in 2 minutes. Calculation under federal law (Art. 270a CO + VMWG art. 13). Reference rate taken 1:1 from the official table of the Federal Office for Housing (FOH/BWO), inflation 1:1 from the FSO/BFS CPI series, no estimates. (Sources cited below.) - Generate + send automatically. PDF with your finger-signature, Priority Mail (A-Post) included. Registered with tracking optional (+ CHF 7.90). - Push when the letter is handed to Swiss Post. With registered mail, also on the day of delivery, so you know when the response deadline starts. - Auto-reminders after 30 and 60 days. At every reminder, one-tap follow-up: reminder, document-request and conciliation letter all go straight from the app. For the conciliation letter you upload your lease as a photo, the app attaches your prior letters and mails the bundle as registered mail to the conciliation authority. CHF 6.90 per follow-up, plus CHF 7.90 registered for the conciliation letter (or download it as Word and mail it yourself). - Multiple tenants? Each tenant signs with finger in the wizard, all names appear on the letter. - Free rate alert. When the reference rate drops, you get a push, and can file again. PRIVACY Your data stays on your device. No account, no central database. For mailing, your address and PDF go encrypted to our Swiss postal partner, nothing else. PRICE - Free to download. Claim check + rate alert cost nothing. - Letter + Priority Mail (A-Post): CHF 9.90 to 29.90, scaled to your monthly savings (~30%). - Registered with tracking: + CHF 7.90. - Follow-up letter: CHF 6.90 each (reminder and document-request via Pingen). Conciliation letter: CHF 6.90 + CHF 7.90 registered with lease photo and letter history attached, or download as Word and mail it yourself. Get back what you're owed. SOURCES AND DISCLAIMER All official data and legal references used in the app come from the following official Swiss sources: - Mortgage reference interest rate: Federal Office for Housing (FOH/BWO), https://www.bwo.admin.ch/de/entwicklung-referenzzinssatz-und-durchschnittszinssatz - National Consumer Price Index (CPI): Federal Statistical Office (FSO/BFS), https://www.bfs.admin.ch/bfs/en/home/statistics/prices/consumer-price-index.html - Tenancy law, Swiss Code of Obligations (CO art. 269 ff., in particular art. 270a): https://www.fedlex.admin.ch/eli/cc/27/317_321_377/en - Ordinance on the lease and farm lease of residential and commercial premises (OBLF, art. 13): https://www.fedlex.admin.ch/eli/cc/1990/835_835_835/de (German version is the official text) - Conciliation authorities for tenancy matters: FOH directory, https://www.bwo.admin.ch/bwo/de/home/mietrecht/schlichtungsbehoerden.html - Calculation verification reference: Rent calculator of the Zurich courts, https://www.gerichte-zh.ch/themen/miete/mietzinsgestaltung/mietzinsrechner.html RentReducer does not provide legal advice and is not a substitute for an attorney. For legal questions, contact a cantonal tenants' association or a lawyer of your choice.