Terms and Conditions of use

These Terms and Conditions of use govern your use of the OVAG International AG website. By accessing or using the website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these Terms and Conditions, please refrain from using the website.

Acceptance of Terms

By accessing or using the website, you acknowledge that you have read, understood, and agree to be bound by the Terms and Conditions, as well as any additional guidelines or rules applicable to specific services or features offered on the website.

Description of Services

OVAG International AG is a medical billing and collection agency based in Switzerland, offering debt collection services to clients worldwide. The website provides information about our company, services, and related resources. The content on the website is for informational purposes only and should not be considered legal advice.

Compliance with Laws and Regulations

OVAG International AG is committed to compliance with all applicable laws and regulations. OVAG International AG ensures that its practices adhere to regulations to protect consumer, employee and client information and rights.

Collection Services

OVAG International AG provides medical billing and collection services to clients worldwide. The provision of such services is governed by separate agreements between OVAG International AG and its clients. The use of the website does not establish a client relationship or a commitment to provide services.

Intellectual Property

The content, design, and logos displayed on the website are the intellectual property of OVAG International AG or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, or modify any content from the website without prior written permission from OVAG International AG.

Limitation of Liability

To the extent permitted by law, OVAG International AG and its directors, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or in connection with your use of the website, reliance on any information or materials provided on the website, or any actions or decisions made based on such information or materials.

Third-Party Links and Services

The website may contain links to third-party websites or resources. OVAG International AG does not endorse or assume any responsibility for the content, privacy practices, or terms of use of these third-party websites. You acknowledge and agree that OVAG International AG shall not be liable, directly or indirectly, for any damages or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any third-party websites.

Data Privacy

OVAG International AG respects your privacy and handles personal information in accordance with applicable data protection laws and our Privacy Policy. By using the website, you consent to the collection, use, and disclosure of personal information as described in our Privacy Policy.

Modifications to Terms

OVAG International AG reserves the right to modify or update these Terms and Conditions at any time without prior notice. Any changes to these Terms and Conditions will be effective upon posting on the website. Your continued use of the website after any modifications to these Terms and Conditions constitutes your acceptance of the revised terms and conditions.

Governing Law and Jurisdiction

This Agreement shall be governed by and construed in accordance with the laws of Switzerland, without regard to its conflict of laws principles. Any dispute arising out of or in connection with these Terms and Conditions, including its interpretation, validity, performance, or termination, shall be exclusively resolved by the courts of Switzerland.

Contact Us

If you have any questions, concerns, or inquiries regarding these Terms and Conditions or our services, please contact us using the following details:

OVAG International AG

Zürichstrasse 5

6004 Luzern

Switzerland

Email: contact@ovag.ch

Phone: +41 41 379 0303



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