Terms of Service
The agreement under which business customers use cobank.
1. Agreement
These Terms of Service (the “Terms”) govern access to and use of the cobank service by the business customer that registers for an account (the “Customer”). By creating an account or using the service, the Customer accepts these Terms.
2. Provider
The service is provided by:
(the “Provider” or “cobank”).
3. The service
cobank reads invoices and supporting records, assigns each line item to a versioned emission factor, performs a deterministic CO₂e calculation, and returns reporting and audit output. The service is provided on a software-as-a-service basis and may evolve over time. cobank does not sell, recommend, or broker carbon offsets.
4. Business use only
The service is intended solely for businesses, public bodies, and professionals acting in the course of their trade or profession. It is not directed at consumers. By registering, the Customer confirms that it is acting for business purposes.
5. Subscription and billing
Paid plans are offered at the prices and inclusions shown on the pricing page, in Swiss francs (CHF) unless stated otherwise. Applicable value-added tax is added where due.
New paid subscriptions begin with a 14-day trial unless stated otherwise. Monthly plans renew each month and annual plans each year, automatically, until cancelled. Annual plans are billed for ten months against twelve months of service.
The Customer may cancel at any time through the self-service billing portal; cancellation takes effect at the end of the current billing period, and no partial-period refunds are given except where required by law. Usage above a plan’s included allowance is billed as set out on the pricing page.
6. Support and service levels
Support is provided through the channels described on the pricing page. Any specific service-level commitments — such as availability targets or response times — apply only where expressly agreed in a written enterprise agreement, and are not promised by these Terms or the public pages.
7. Acceptable use
The Customer shall not misuse the service, including by attempting to gain unauthorised access, disrupting its operation, reverse-engineering it except to the extent permitted by mandatory law, uploading unlawful content, or using it to infringe the rights of others. The Customer is responsible for the accuracy and lawfulness of the data it submits and for the acts of its authorised users.
8. Customer data and data protection
As between the parties, the Customer owns the invoice, emission, and account data it submits (“Customer Data”). The Customer grants cobank the rights needed to process Customer Data to provide the service.
Where cobank processes personal data on the Customer’s behalf, it does so as a processor under the Data Processing Agreement, which forms part of these Terms.
9. Intellectual property
cobank and its licensors retain all intellectual-property rights in the service, the emission-factor library, and all related software and materials. Nothing in these Terms transfers those rights to the Customer beyond the limited right to use the service during the subscription.
10. Warranty disclaimer
The service is provided with reasonable care and skill. To the extent permitted by law, it is otherwise provided “as is”, without further warranties. cobank does not warrant that the service will be uninterrupted or error-free, or that its output satisfies any particular regulatory or assurance requirement, which remains the Customer’s responsibility to assess.
11. Limitation of liability
To the extent permitted by law, neither party is liable for indirect or consequential loss, lost profits, or lost data. cobank’s total liability arising out of or in connection with the service is limited to the fees paid by the Customer for the service in the twelve months before the event giving rise to the claim. Nothing in these Terms excludes liability that cannot be excluded under mandatory Swiss law.
12. Term and termination
These Terms apply for as long as the Customer has an account or an active subscription. Either party may terminate for material breach that is not remedied within a reasonable period. On termination, the Customer’s right to use the service ends; return and deletion of Customer Data are handled as set out in the Data Processing Agreement, including any agreed evidence-retention period.
13. Changes to these Terms
cobank may update these Terms to reflect changes to the service, the law, or its business. Material changes will be notified by a reasonable means before they take effect. Continued use after the effective date constitutes acceptance.
14. Governing law and jurisdiction
These Terms are governed by the substantive law of Switzerland, excluding its conflict-of-laws rules and the United Nations Convention on Contracts for the International Sale of Goods. The exclusive place of jurisdiction is St. Gallen, Switzerland, subject to any mandatory forum the law provides.
15. Severability
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full effect, and the invalid provision is replaced by a valid one that comes closest to its intended purpose.
16. Contact
Questions about these Terms can be sent to: