Terms and Conditions
Payment Terms
& Purchase Conditions
Transparent, clear, and without fine print. What applies when you subscribe to a Frag-Maria™ subscription.
Due upon subscription activation
From payment receipt to go-live
Automatically at the beginning of the month
In writing before term end
How and when is billing done?
Frag-Maria™ subscriptions are service subscriptions — not a physical product, no delivery. What you buy is an ongoing AI infrastructure that we build, operate, and further develop for you.
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First Payment — due immediately
Upon activation of your subscription, the first monthly fee (or setup flat rate, if separately stated) will be charged immediately. The payment receipt confirms your order and initiates the setup phase. We do not require a separate order confirmation.
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Setup Phase — payment receipt starts the clock
From payment receipt, technical setup typically takes 2–4 weeks until go-live. This period includes kickoff, configuration, knowledge base setup, quality assurance, and release. You will be actively guided through the process. The setup duration may vary depending on complexity — we will transparently communicate any deviations.
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Monthly Debit — automatically on the 1st of the following month
After the initial debit, monthly service fees will be automatically charged on the 1st of the following month from your stored payment method. Billing is done in advance (prepaid). After each debit, you will automatically receive a digital invoice to your registered email address.
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Cancellation — 30 days before term end
Every subscription has a defined minimum term (Standard: 12 months). Cancellation must be submitted in writing at least 30 days before the end of the term — by email to maria@frag-maria.ai. Without timely cancellation, the subscription automatically renews for the original term. The date of receipt of the cancellation applies, not the date of dispatch.
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Payment Methods
We accept credit cards (Visa, Mastercard, American Express) and other methods according to Shopify Payments. All payments are securely and encrypted processed via Shopify Payments / Stripe. No payment data is stored on our servers.
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Refund
Since Frag-Maria™ is an immediate digital service and setup begins immediately with the first payment: Setup fees already paid and expired billing periods are generally not refunded. In the event of a technically justified service outage (downtime > 99.0% SLA), we review credits on a case-by-case basis. For details: Refund Policy.
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Prices & VAT
All displayed prices are in Swiss Francs (CHF) including the applicable Swiss VAT (MWST 8.1%). For EU corporate customers with a valid VAT ID, the reverse charge procedure applies — in this case, the invoice will be issued without VAT (see Section 02). The current price structure can be found on the product pages in the shop.
No hidden fine print. Frag-Maria™ is designed for long-term partnerships — not pitfalls. If you have any questions about the terms, our team will answer them personally in direct contact — just write to us: maria@frag-maria.ai
Reverse Charge — what it means for you
As a Swiss company (salesbroker gmbh, CH-6370 Stans), we provide digital services to corporate customers both within and outside Switzerland. The tax treatment depends on your company's location.
Under the reverse charge procedure (reversal of tax liability), Frag-Maria™ issues invoices without VAT shown. In this case, you as the recipient of the service are responsible for calculating, reporting, and remitting the tax in your country.
This procedure applies EU-wide to B2B transactions from third countries (Switzerland is not an EU member). It simplifies cross-border billing — you receive a net invoice that you can account for as deductible input tax in your own accounting.
| Your Location | VAT Treatment | Invoice from Frag-Maria |
|---|---|---|
|
🇨🇭 Switzerland (CH) Corporate customer with UID |
Swiss VAT (8.1%) — Art. 18 MWSTG | Includes CH-VAT shown |
|
🇪🇺 EU (B2B) Corporate customer with valid VAT ID |
Reverse Charge — you declare and pay Basis: Art. 44 + Art. 196 RL 2006/112/EG (VAT Directive) |
Net, no VAT shown, note «Reverse Charge» |
Legal Basis — Reverse Charge by Country
| Country | Legal Basis | Core Regulation |
|---|---|---|
| 🇩🇪 Germany | § 13b para. 1 UStG in conjunction with § 3a para. 2 UStG |
Recipient of service is the taxpayer for other services from third countries (Switzerland). Declaration and payment by the German entrepreneur. |
| 🇦🇹 Austria | § 19 para. 1 UStG 1994 in conjunction with § 3a para. 6 UStG 1994 |
Transfer of tax liability to the domestic recipient of service when the foreign entrepreneur has no Austrian seat. Self-assessment via VAT prepayment. |
| 🇫🇷 France | Art. 283-1 CGI in conjunction with Art. 259 CGI |
Auto-liquidation de la TVA: The service recipient located in France declares and pays the tax themselves (auto-liquidation). Place of service = recipient's seat (Art. 259 CGI). |
| 🇮🇹 Italy | Art. 17 comma 2 DPR 633/1972 in conjunction with Art. 7-ter DPR 633/1972 |
Inversione contabile (reverse charge): Tax is booked by the receiving company. Place of supply for B2B services from third countries = seat of the recipient. |
| 🇳🇱 Netherlands | Art. 12 lid 2 Wet OB 1968 |
Verleggingsregeling: Tax is shifted to the Dutch service recipient. This recipient declares the BTW themselves via BTW-Aangifte. Applies to all services under Art. 6 Wet OB from third countries. |
| 🇧🇪 Belgium | Art. 51 §2 al. 1, 1° BTW-Wetboek / Code TVA |
Verlegging / Report de la taxe: The Belgian entrepreneur is the taxpayer for services from abroad. Self-declaration via periodic BTW statement. |
| 🇪🇸 Spain | Art. 84.1.2° Ley 37/1992 (LIVA) |
Inversión del sujeto pasivo: The service recipient located in Spain is the taxpayer. Declaration via Modelo 303 (IVA prepayment). Applies to services provided by entrepreneurs located abroad. |
| 🇵🇱 Poland | Art. 17 ust. 1 pkt 4 Ustawa o VAT (Dz.U. 2004 nr 54 poz. 535) |
Odwrotne obciążenie (Reverse Charge): Polish entrepreneur as taxpayer for services from third-country providers. Declaration in the monthly JPK_V7 file. |
| 🇸🇪 Sweden | 1 kap. 2 § 1 st. 2 ML Mervärdesskattelagen (ML) 1994:200 |
Omvänd skattskyldighet: The Swedish entrepreneur is the taxpayer for services from foreign providers without an establishment in Sweden. Declaration via Momsdeklaration. |
| 🇩🇰 Denmark | § 46 stk. 1 nr. 3 Momsloven (LBK nr. 1021/2019) |
Omvendt betalingspligt: The Danish recipient is the taxpayer for services from foreign entrepreneurs. Declaration via monthly or quarterly Momsangivelse. |
|
🇬🇧 United Kingdom Not an EU member since Brexit (01.01.2021) — independent regulation |
Section 8 VATA 1994 in conjunction with Schedule 4A VATA 1994 HMRC Notice 741A |
Reverse Charge under British law: The British entrepreneur is the taxpayer for services from abroad (incl. Switzerland). Declaration via UK VAT Return — Box 1 (Output Tax) and Box 4 (Input Tax). Standard VAT Rate: 20 %. |
Directive Basis (EU-wide): The Reverse Charge procedure for B2B services is based on Art. 44 and Art. 196 of the EU VAT Directive (RL 2006/112/EG). This directive is binding in all EU member states — the national laws listed above are the country-specific implementation. Switzerland is not an EU member, which is why Frag-Maria™ does not show EU VAT and the procedure lies with the buyer.
Important for your order: For Reverse Charge to be applied correctly, we need your valid Company UID / VAT ID number at the time of order. Please enter it in the «Company Name / UID» field at checkout or contact us at maria@frag-maria.ai. Subsequent corrections are possible but time-consuming. This page is not a substitute for tax advice — please clarify individual tax questions with your trustee or tax advisor.
Your journey from now to Go-Live
So you know what happens after clicking «Buy» — no guesswork.
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Purchase Completion & Payment Receipt
You will immediately receive an automatic order confirmation by email with a link to the invoice. Payment receipt internally starts the set-up process. With the payment receipt, you will also receive the Data Processing Agreement (DPA) by email — it is an integral part of the contractual relationship and supplements our General Terms and Conditions (GTC). Both documents together form the contractual basis for your subscription.
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Kickoff Message within 24h (working days)
One of our team members will contact you with a short kickoff form and the link to schedule the setup call.
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Setup & Configuration — 2–4 weeks
We build, test, and optimize your agent. You will be involved in all important decisions. No surprises at go-live.
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Go-Live — Maria is live on your website
After your approval, Maria goes online. The monthly service fee will be automatically debited from the beginning of the first month after go-live.
Still have questions before you buy?
30 minutes. No sales pressure. An honest conversation.