These General Terms and Conditions are divided into:

A. General Terms and Conditions Between OnlineDoctor and Users – Mediation Agreement

B. General Terms and Conditions between Dermatologists and Users – Treatment Agreement

A.    General Terms and Conditions Between OnlineDoctor and Users – Mediation Agreement

1. General

OnlineDoctor AG (“OnlineDoctor”) operates the online mediation platform onlinedoctor.ch (“platform”). Using the platform, private individuals residing in Switzerland (“users”) can have a change in their skin assessed by participating, federally approved dermatologists (“dermatologists”) by providing one of these dermatologists with information about and photos of the affected area of skin via the platform. The dermatologist assesses the affected skin area based on the information and photos and gives a recommendation for action.

OnlineDoctor itself does not provide any assessment, but merely mediates the conclusion of an agreement between a user and one of the participating dermatologists through the platform (“Mediation Agreement”). For this Mediation Agreement, the General Terms and Conditions (“GTC”) in this Section A apply. If a user submits an enquiry to one of the participating dermatologists to assess a skin change, a treatment agreement is concluded between that user and the dermatologist (“Treatment Agreement”). The dermatologists offer the assessment within this Treatment Agreement on their own behalf and under their own responsibility. OnlineDoctor does not become a contracting party to this Treatment Agreement.

The Treatment Agreement constitutes a medical service within the scope of Switzerland’s compulsory health insurance. Depending on their health insurance model and minus their deductible, users can be reimbursed by their health insurance company for the remuneration owed for medical services under the Treatment Agreement. The GTC in Section B apply to this Treatment Agreement.

2. Functioning of the platform; conclusion and content of the mediation agreement

A requirement to use the OnlineDoctor service is that the user  can provide a valid AHV number (Swiss Social Security Number). If the user wishes to obtain an assessment, he/she must first make a binding selection of his/her preferred language and health insurance. He/she then chooses one of the participating dermatologists via the platform. Profiles of participating dermatologists can be viewed on the platform. After selecting a dermatologist, the user completes the questionnaire, uploads images of the affected skin area to the platform and provides personal details and payment information. The user now has the opportunity to review and accept the GTC and send his/her enquiry for assessment. With the submission of the enquiry, a mediation agreement with OnlineDoctor comes into effect. At the same time, a treatment agreement is concluded with the chosen dermatologist (cf. Section B, Para. 2).

OnlineDoctor transmits photos and information to the selected dermatologist. The dermatologist will make an assessment based on this information, usually within 48 hours. The user receives an email with a link to the assessment and recommended treatment. The assessment and recommended course of action can only be accessed via a patient login (email address and password) created by the user when creating the case. As an alternative the patient can log in from the login area of the patient account and here the patient can retrieve the exam and the treatment recommendation.

3. Remuneration

The mediation service of OnlineDoctor is free of charge for the user.

4. Archiving and storage

It is the user’s sole responsibility to archive photos, other health data and the dermatologist’s assessment if the user so desires. The assessment and recommended course of action are permanently available in the patient account and can be exported from there and saved on your own system.

5. Data protection

OnlineDoctor collects and processes the patient’s data on behalf of the selected dermatologist. With regard to data protection, the treating dermatologist’s privacy statement applies. The statement can be accessed on the website. The health data entered into OnlineDoctor will be used by the selected dermatologist to create a recommendation for action. The user’s payment details and the AHVnumber are used for billing. All the data collected as part of the registration and during use are processed in anonymised form for the operation of OnlineDoctor and for the purpose of documenting medical symptoms. These data are processed exclusively by OnlineDoctor and not disclosed to third parties. These data also form the basis for statistical assessments that are performed with aggregated data. The symptoms entered by the user are not assessed in a personalised manner. The user gives his/her consent for the processing of his/her data to this extent.

The user acknowledges the privacy statement. By accepting these GTC, the user also agrees to the terms of the privacy statement.

6. Liability

OnlineDoctor excludes its liability (including liability for its auxiliary personnel, employees, suppliers and subcontractors) for all claims arising out of or in connection with the platform (including contractual and non-contractual claims) to the fullest extent permitted by law, in particular for damages due to transmission errors, technical defects, interruptions or faults. Interruption-free or error-free operation of the platform is not guaranteed.

OnlineDoctor is not liable for claims arising from or in connection with the treatment agreement; in particular, OnlineDoctor is not liable for any damages caused by the dermatologist’s assessment of the affected skin area.

7. Final provisions

Rights and obligations under the agreement between OnlineDoctor and the user may be assigned and transferred to a third party by OnlineDoctor at any time. The user is entitled to this right only with the written consent of OnlineDoctor.

Any amendment or supplement to these GTC agreed between OnlineDoctor and the user must be made in writing. This also applies to the above requirement regarding the written form.

8. Jurisdiction and applicable law

Subject to mandatory place of jurisdiction, all matters arising out of or in connection with the GTC or the platform are the responsibility of the courts that have jurisdiction over OnlineDoctor’s registered office. Swiss law applies (with the exception of the conflict of laws rule).

Version of: 1 January 2026

B. General Terms and Conditions Between Users and Dermatologists – Treatment Agreement

1. General

OnlineDoctor AG (“OnlineDoctor”) operates the online mediation platform onlinedoctor.ch (“platform”). Using the platform, private individuals residing in Switzerland (“users”) can have a change in their skin assessed by participating, federally approved dermatologists (“dermatologists”) by providing one of these dermatologists with information about and photos of the affected area of skin via the platform. The dermatologist assesses the affected skin area based on the information and photos and gives a recommendation for action.

The dermatologists offer the assessment on their own behalf and under their own responsibility. OnlineDoctor itself does not provide any assessment, but merely mediates the conclusion of an agreement between a user and one of the participating dermatologists (“Mediation Agreement”). For the Mediation Agreement, the General Terms and Conditions (“GTC”) in Section A apply. If a user submits an enquiry via the platform to one of the participating dermatologists to assess a skin change, a treatment agreement is concluded between that user and the dermatologist (“Treatment Agreement”). OnlineDoctor does not become a contracting party to this Treatment Agreement.

The Treatment Agreement constitutes a medical service within the scope of Switzerland’s compulsory health insurance. Depending on their health insurance model and minus their deductible, users can be reimbursed by their health insurance company for the remuneration owed for medical services under the Treatment Agreement. The relevant terms and conditions of the user’s health insurance are applicable. The GTC in this Section B apply to the Treatment Agreement between the user and the selected dermatologist.

2. Conclusion of the treatment agreement

The treatment agreement between the user and the dermatologist comes into effect when the user sends the enquiry via the platform to the dermatologist for the evaluation of a skin change.

3. Scope of service

The dermatologist will, based on the photos and health data uploaded to the platform, usually make a specialist diagnosis of the affected skin area within 48 hours and will recommend a course of action (e.g. dermatologist treatment required / not required). The user receives an email with a link to the assessment and recommended treatment. The assessment and recommended course of action can only be accessed via a patient login (email address and password) created by the user when creating the case. As an alternative the patient can log in from the login area of the patient account and here the patient can retrieve the exam and the treatment recommendation.

The specialist assessment is based solely on the information and photos of the affected skin area that the user sends to the dermatologist via the platform. It is the user’s responsibility to ensure that the uploaded photos and submitted health data are up-to-date, accurate and complete. The user is responsible for the consequences of outdated, incorrect or incomplete photos or data.

The user acknowledges that the platform is not suitable for the systematic observation of skin changes (no “monitoring”). The service provided by the dermatologist is limited to a one-time recommendation for action, on a case-by-case basis. Moreover, the dermatologist is not obligated to take any further measures.

4. Remuneration

Billing of medical services is based on TARDOC (standardised tariff structure for the remuneration of indivudual outpatient medical services throughout Switzerland, valid from 1 January 2026). The final fee depends on how complex the dermatological assessment of the individual case is for the selected dermatologist. The dermatologist must adhere to the tariff structure. Billing that deviates from the tariff is not permissable. TARDOC stipulates that a maximum of CHF 100 (maximum amount) can be billed per case.

As the exact amount of the fee to be paid per case is only determined once the dermatological assessment has been completed, during the payment process the maximum amount will be blocked on the selected payment method. If the maximum amount exceeds the current amount invoiced, the balance will be released to the user after completion of the assessment.

The remuneration is due upon conclusion of the Treatment Agreement, i.e. upon submitting an enquiry for assessment to a dermatologist. The dermatologist has authorised OnlineDoctor to collect the remuneration owed. OnlineDoctor collects the fee in the name and on behalf of the dermatologist by credit card, Twint or PostFinance Card as the user chooses. Even if the dermatologist cannot make an assessment due to low quality of the photos provided by the user, the remuneration must still be paid.

The user is liable for payment of the remuneration regardless of whether he/she receives a reimbursement for the remuneration paid from his/her health insurance. Direct billing between the dermatologist and the health insurance company (tiers payant) is not possible for the assessment of dermatological cases via OnlineDoctor. The dermatologist will provide the user with an invoice that is suitable for submission to his/her health insurance company.

5. Data protection

With regard to data protection, the treating dermatologist’s privacy statement applies. The statement can be accessed on the website of OnlineDoctor. The user acknowledges the privacy statement. By accepting these GTC, the user also agrees to the terms of the privacy statement.

6. Liability

The dermatologist excludes his/her liability for all claims arising out of or in connection with the treatment agreement (including contractual and non-contractual claims) to the maximum extent permitted by law.

The user acknowledges that the dermatological assessment depends on the accuracy, quality and completeness of the uploaded photos and submitted health data. An initial assessment through the platform does not replace a face-to-face consultation with a doctor. Assessment via the platform is not an emergency system. It is not suitable for people who require urgent medical supervision or immediate medical procedures.

7. Final provisions

Any amendment or supplement to these GTC agreed between the dermatologist and the user must be made in writing. This also applies to the above requirement regarding the written form.

8. Jurisdiction and applicable law

Subject to mandatory place of jurisdiction, all matters arising out of or in connection with the GTC in this section B or the Treatment Agreement are the responsibility of the courts that have jurisdiction over the treating dermatologist’s registered office. Swiss law applies (with the exception of the conflict of laws rule).

Version of: 1 January 2026