Terms & Conditions

In these terms and conditions, the following definitions apply:

2.1 Avans GmbH is a company incorporated under Swiss law (GmbH), registered in the Canton of Zug, reachable at contact@avans.ch.

2.2 These terms and conditions apply to all agreements between Avans and the user, as well as all use of the application and the service.

2.3 By creating an account and explicitly accepting these terms during registration, the user enters into an agreement with Avans and declares to have read and agreed to these terms and conditions.

2.4 Deviation from these terms is only possible if Avans has explicitly agreed to this in writing.

2.5 If one or more provisions of these terms are invalid or annulled, the remaining provisions remain fully in force. Avans and the user will then consult on a replacement provision that as closely as possible reflects the purpose of the original provision.

2.6 Avans reserves the right to amend these terms at any time. See Article 20 for the amendment procedure.

3.1 The Avans service consists solely of facilitating early access to wages already earned by the user in the current salary period, but not yet paid by the employer. The user accesses an existing wage entitlement they have already earned — Avans does not create a new financial obligation or advance money against future earnings.

3.2 The Avans service is expressly not a loan, credit, or any other form of financing. Avans does not provide consumer credit. No credit relationship exists between Avans and the user.

3.3 Avans is not a bank, payment institution, credit provider, or financial service provider subject to FINMA supervision. The service constitutes earned wage access and does not fall under the Swiss Banking Act (BA), the Swiss Consumer Credit Act (KKG), or the Financial Services Act (FinSA).

3.4 Settlement of the service takes place through automatic offset against the salary the user actually receives on the salary date. The user accesses wages they have already earned; settlement occurs when that salary arrives.

3.5 The service is available exclusively to employees with a fixed gross monthly salary. Avans is not available to self-employed persons, freelancers, temporary workers on zero-hours contracts, or persons without a permanent employment relationship.

3.6 Avans solely facilitates early access and is in no way a party to the employment relationship between the user and their employer. Avans has no relationship with, access to, or authority over the employer's payroll administration.

3.7 The user's employer is not informed in any way about the user's use of the service. The service is entirely confidential.

4.1 To use the service, the user must register via the application. The user must be at least 18 years of age.

4.2 During registration, the user must provide a valid email address, a recent pay slip not older than 3 months showing the net salary, employer, and employment details, the IBAN of the bank account on which the user's salary is received and held in the user's own name, the monthly salary date, the number of working days per week, and the payment authorisation or consent described in Article 11 where applicable.

4.3 The user warrants the accuracy, completeness, and currency of all information and documents provided. Incorrect or misleading information constitutes a material breach of the agreement and entitles Avans to terminate the agreement with immediate effect and block access to the service.

4.4 Avans reserves the right to refuse a registration without stating reasons.

4.5 The user is responsible for keeping their login credentials confidential. The user is liable for all activity that takes place via their account. In case of loss or theft of login credentials or suspected unauthorised access, the user must notify Avans immediately at contact@avans.ch.

4.6 Only one account per person is permitted. Creating multiple accounts is not allowed and will result in immediate blocking of all accounts.

4.7 The user is obliged to notify Avans immediately of any change in relevant details, including but not limited to: salary date, salary amount, employer, employment contract, IBAN, or termination of employment.

4.8 Upon termination of employment, the user must immediately notify Avans. Avans will block the account upon receiving this notification and any payment authorisation will remain active only to the extent needed to settle amounts corresponding to salary already received.

5.1 The available amount is calculated using the following formula: Available amount = (Net salary ÷ number of working days in the current calendar month) × number of working days elapsed since the last salary date.

5.2 The available amount is capped at a maximum of 50% of the user's verified net monthly salary. This cap serves as a safety margin for unforeseen circumstances such as illness, leave, or other situations where the ultimately paid salary may be lower than expected.

5.3 Working days means: Monday through Friday, excluding Swiss public holidays in the Canton of Zug.

5.4 The available amount is recalculated daily at 00:01 CET/CEST and is visible in the application.

5.5 The available amount is based on the net salary provided by the user and verified by Avans. Avans is not responsible for discrepancies arising from variable pay components such as overtime, bonuses, allowances, or other non-fixed remuneration.

5.6 Avans reserves the right to adjust the maximum cap percentage for individual users based on risk considerations, without stating reasons.

5.7 The available amount can never exceed 50% of the user's verified net monthly salary.

6.1 The user may request a withdrawal at any time via the application up to the available amount at that time.

6.2 The minimum amount per withdrawal is CHF 10. There is no maximum per withdrawal other than the available amount.

6.3 Avans processes approved withdrawals through the active payment workflow. Processing times may vary due to operational review, banks, or payment processors.

6.4 Avans reserves the right to refuse a withdrawal without stating reasons. This may occur in cases including suspicion of fraud or misuse, incorrect or changed details, a previously unsettled amount, technical issues, or risk considerations.

6.5 An approved withdrawal cannot be reversed or cancelled by the user.

6.6 Multiple withdrawals within the same salary period are permitted, provided the total settlement amount does not exceed the available amount.

6.7 Avans is not liable for damages arising from a refused or delayed withdrawal.

7.1 Avans charges a service fee per use of the service. The minimum fee is CHF 1.95 per withdrawal. The exact applicable fee is always shown in full in the application before the user confirms a withdrawal.

7.2 The service fee is a fixed, one-time charge per use of the service. It is not interest, not a credit cost, and does not accrue or compound over time. There is no annual percentage rate (APR) because the service is not credit. The fee compensates Avans for the operational cost of making the advance available and processing the payout.

7.3 The service fee is deducted at the time of withdrawal: the user receives the withdrawn amount minus the service fee. The service fee is included in the settlement amount handled on or after the salary date.

7.4 The service fee is shown to the user in the application before confirming the withdrawal. By confirming the withdrawal, the user agrees to the applicable service fee.

7.5 Avans reserves the right to amend the service fee. Amendments will be announced at least 30 days in advance via the application. See Article 20.

7.6 If the user disagrees with an amended service fee, the user has the right to terminate the agreement before the effective date of the change, provided no settlement amount remains outstanding.

8.1 Avans verifies the pay slip provided by the user upon registration. Avans reserves the right to request additional verification, including but not limited to additional pay slips, an employment contract, or a bank statement showing salary payments.

8.2 Avans reserves the right to periodically re-verify the accuracy of the information provided. The user is obliged to cooperate with such requests within the timeframe set by Avans.

8.3 Avans may use external service providers for document and identity verification. The user consents to this by accepting these terms.

8.4 If Avans establishes or suspects that the user has provided incorrect or forged documents, Avans will terminate the agreement with immediate effect, block the account, and reserves the right to report this to the competent authorities.

9.1 Settlement of the service takes place through controlled offset of the settlement amount against the salary the user actually receives on the salary date. This is not a repayment of a debt but settlement of an advance on earned wages.

9.2 Settlement is made through the active Avans settlement workflow, which may be manual or supported by a payment provider, on or directly after the salary date.

9.3 The settlement amount is always limited to the salary actually received by the user in the relevant period. If the salary received is lower than the settlement amount — for example due to illness, partial leave, or a lower-than-expected salary payment — settlement is limited to the salary received. No settlement obligation exists beyond salary actually received. If a difference remains after settlement, Avans will contact the user via the application; any follow-up settlement occurs only voluntarily and only against salary actually received in a future period.

9.4 If no salary is received in a given period (for example due to unpaid leave or termination of employment), no settlement takes place in that period. Avans will block the account and contact the user. No settlement obligation arises beyond salary actually received.

9.5 Where salary in a future period is sufficient, Avans may — with the user's awareness — use the applicable settlement workflow to offset a previously unsettled amount, strictly limited to salary actually received in that future period.

10.1 If settlement on the salary date cannot be completed, Avans will notify the user via the application and/or by SMS or email.

10.2 Avans will make a second settlement attempt within 3 business days of the failed attempt.

10.3 If the second attempt also fails, Avans will block the user's account. No further withdrawals are possible until the situation is resolved. Avans will contact the user to find a suitable settlement arrangement.

10.4 In the event of a failed settlement, Avans may block access to the service, schedule additional settlement attempts on subsequent salary dates, or agree a voluntary payment arrangement with the user as described in Article 10.5.

10.5 If the user is temporarily unable to settle, Avans may — at its discretion — offer a voluntary payment arrangement, spread over a maximum of three subsequent salary periods, limited at all times to the salary actually received. There are no additional charges for such an arrangement.

10.6 A failed settlement does not release the user from their other obligations under these terms and conditions, to the extent those obligations relate to salary actually received.

11.1 By accepting these terms and completing registration, the user agrees to the payment and settlement workflow shown in the application. During launch this may be manual; automated provider settlement is enabled only when the relevant integration is live.

11.2 The settlement takes place on the salary date specified by the user. If the salary date falls on a weekend or public holiday, the settlement takes place on the next business day.

11.3 The user is encouraged to ensure that the balance on the specified IBAN is expected to be sufficient on the settlement date. Avans understands that salary timing may vary and will handle settlement attempts in good faith.

11.4 If a payment-provider transaction is reversed or fails in relation to a legitimately withdrawn amount, Avans will block the account to prevent further withdrawals and will contact the user to discuss how salary-based settlement can be re-arranged. Bank processing fees charged to Avans as a direct result may be passed on to the user at cost.

11.5 Any change of IBAN must be submitted by the user at least 5 business days before the next salary date via the application. Avans is not liable for failed settlements resulting from an IBAN change that was not submitted or submitted too late.

11.6 Any applicable payment authorisation remains in force until the agreement has been terminated and the settlement amount has been fully settled.

12.1 Avans reserves the right to block access to the service with immediate effect in cases including suspicion of fraud, misuse, or identity theft; provision of incorrect, misleading, or forged information or documents; failed settlement or returned provider payment; termination of the user's employment; death of the user; the user's own express request; technical or security reasons; or risk considerations. The user is not entitled to compensation in such cases.

12.2 Blocking prevents new withdrawals. It does not create a new financial obligation. Any unsettled balance from prior withdrawals will be settled against salary actually received, as described in Article 9.

12.3 Avans will notify the user of the blocking as soon as reasonably possible, unless this conflicts with legal obligations or security considerations.

12.4 The user may request Avans to lift the block by contacting contact@avans.ch. Avans decides at its own discretion whether to lift the block.

13.1 The user may terminate the agreement at any time via the application or by sending a written request to contact@avans.ch, provided no unsettled balance from prior withdrawals remains.

13.2 If an unsettled balance remains, the agreement can only be terminated after that balance has been settled via the next salary date or by voluntary payment.

13.3 Avans may terminate the agreement at any time with 30 days' notice. In the cases described in Article 12.1, the agreement may be terminated with immediate effect and the account blocked.

13.4 Upon termination, no new withdrawals are possible. Any unsettled balance from prior withdrawals continues to be settled against salary actually received in accordance with Article 9.

13.5 After termination of the agreement, Avans retains the user's personal data in accordance with legal retention obligations. See Article 14.

13.6 After termination, the user may not create a new account without Avans's express consent.

14.1 Avans processes the user's personal data in accordance with the Swiss Federal Act on Data Protection (FADP / nDSG). For a complete overview of the processing of personal data, Avans refers to the Privacy Policy, available via the application and the website avans.ch.

14.2 The user's personal data is used by Avans exclusively for providing the service, verification of identity and employment, financial administration and settlement, communication with the user, compliance with legal obligations, and fraud prevention and risk management.

14.3 Avans does not share the user's personal data with the user's employer.

14.4 Avans may share personal data with third parties to the extent necessary for providing the service, including but not limited to: payment processors, verification services, and IT service providers. Avans enters into data processing agreements with these parties in accordance with the FADP.

14.5 Avans retains financial data in accordance with the legal retention obligation of 10 years pursuant to Article 958f of the Swiss Code of Obligations (CO).

14.6 The user has the right to access, rectify, and request deletion of their personal data, to the extent this does not conflict with legal retention obligations. Requests may be submitted to contact@avans.ch.

14.7 The user has the right to file a complaint with the Federal Data Protection and Information Commissioner (FDPIC / EDÖB) if they believe Avans is unlawfully processing their personal data.

15.1 Avans takes appropriate technical and organisational measures to protect the user's personal and financial data against loss, theft, unauthorised access, or any other form of unlawful processing.

15.2 The user is responsible for securing their own device and login credentials. Avans recommends using a strong password and enabling two-factor authentication.

15.3 If the user suspects a data breach or unauthorised access to their account, they must immediately notify Avans at contact@avans.ch.

15.4 Avans will promptly notify the user if a data breach involves their personal data and poses a high risk to their rights and freedoms, in accordance with the FADP.

16.1 Avans is only liable for direct damages that are the direct result of an attributable failure by Avans to fulfil its obligations under the agreement.

16.2 Avans is not liable for damages arising from incorrect, incomplete, or misleading information provided by the user; the user's failure to notify Avans of changes in their situation; delays in payouts due to technical failures at banks, payment processors, or telecommunications providers; force majeure; indirect damages, consequential damages, lost profits, or lost income; use of the application on a hacked or compromised device; or the user's non-compliance with these terms and conditions.

16.3 Avans's liability is in all cases limited to the amount of the relevant withdrawal to which the damage relates, with a maximum of CHF 500 per event.

16.4 The limitations of liability in this article do not apply in cases of intent or gross negligence by Avans or its directors.

16.5 The user indemnifies Avans against all claims from third parties related to the user's use of the service or failure to fulfil obligations under these terms and conditions.

17.1 Avans is not obliged to fulfil any obligation if this is the result of force majeure. Force majeure includes in any case: failures in telecommunications infrastructure, failures at banks or payment processors, cyberattacks, natural disasters, government measures, pandemics, or other circumstances beyond Avans's control.

17.2 Avans will notify the user as soon as reasonably possible of a force majeure situation.

17.3 If a force majeure situation lasts longer than 30 days, both Avans and the user have the right to terminate the agreement in writing. Any unsettled balance from prior withdrawals will be settled in accordance with Article 9.

18.1 Avans operates an internal complaints procedure. Complaints may be submitted via contact@avans.ch or in writing to Avans's registered address.

18.2 Avans will confirm receipt of a complaint within 2 business days and aims to respond substantively within 14 business days. In complex cases, this period may be extended to a maximum of 6 weeks, of which the user will be informed.

18.3 If the user is not satisfied with the handling of their complaint, they may refer the matter to the competent court in accordance with Article 21.

19.1 All intellectual property rights relating to the application, the website, the technology, the Avans name, the logo, and all other Avans content rest exclusively with Avans or its licensors.

19.2 The user is granted only a limited, non-exclusive, non-transferable right to use the application for personal use in accordance with these terms and conditions.

19.3 The user is not permitted to copy, modify, reverse engineer, decompile, or otherwise exploit the application or any part thereof without the express written consent of Avans.

20.1 Avans reserves the right to amend these terms and conditions, the service fee, the maximum percentage, or other conditions of the service at any time.

20.2 Amendments will be announced at least 30 days before the effective date via the application and/or by email.

20.3 If the user does not agree to the amendments, the user has the right to terminate the agreement free of charge before the effective date of the changes, provided no unsettled balance remains.

20.4 Continued use of the service after the effective date of the amendments is deemed express acceptance of the amended terms.

20.5 In the case of amendments arising directly from legal obligations or court rulings, a shorter notice period may apply.

21.1 These terms and conditions and all agreements between Avans and the user are exclusively governed by Swiss law.

21.2 Disputes arising from or related to these terms and conditions or the agreement shall be submitted to the competent courts of the Canton of Zug, Switzerland.

21.3 Avans and the user will endeavour to resolve disputes amicably before initiating court proceedings.

22.1 These terms and conditions are drawn up in English. In the event of ambiguity or conflict with a translation, the English text prevails.

22.2 Failure by Avans to exercise any right or power under these terms and conditions does not constitute a waiver of that right or power.

22.3 Avans is entitled to transfer its rights and obligations under the agreement to a third party, for example in the event of a merger, acquisition, or sale of (part of) the business. The user will be informed in advance and has the right to terminate the agreement in that case.

22.4 The user is not entitled to transfer their rights or obligations under the agreement to a third party without the express written consent of Avans.

22.5 Communications from Avans to the user via the application, by email, or by SMS shall be deemed written communication for the purposes of these terms and conditions.

Avans GmbH

Canton of Zug, Switzerland

E-mail: contact@avans.ch

Website: avans.ch