Terms and Conditions

These General Terms and Conditions (GTC) of Retter apply to all services and products provided, delivered, or sold by Retter to customers. They also govern the rights and obligations in connection with the consulting services provided by Retter and the use of the website carat-investments.com and the online shop on this site. Between Retter and its customers, the following General Terms and Conditions (GTC) apply in the version currently available and valid at the time of contract conclusion or when accessing the website.

A customer is any natural or legal person who maintains business relations with Retter. The GTC, delivery and payment conditions, and data protection provisions may be amended from time to time.

These GTC apply exclusively. Conflicting, supplementary, or deviating conditions require the express written confirmation of Retter to be valid. By using the website, placing an order, or concluding a contract, the customer confirms full acceptance of these GTC including delivery and payment conditions.

Carat-investments.com contains information about products and services. Price, range, and technical changes are reserved. All information on carat-investments.com (product descriptions, illustrations, videos, dimensions, weights, technical specifications, and other details) are to be understood as approximate values only and do not constitute any assurance of properties or guarantees, unless explicitly stated otherwise. Retter strives to provide all information on this website accurately, completely, up to date, and clearly, but Retter cannot guarantee this either expressly or implicitly.

Retter cannot guarantee that the listed products are available at the time of ordering. Therefore, all information regarding availability and delivery times is without guarantee and may change at any time; in such cases, affected customers will be informed by Retter.

Unless explicitly stated otherwise, all prices are gross prices in Swiss Francs (CHF).

For shipments within Europe, any shipping costs are included in the price. For shipments outside Europe, shipping costs are charged additionally and are to be paid by the customer.

For purchases outside the online shop, the contract is concluded upon delivery of the goods. The offers in the online shop on carat-investments.com constitute an invitation to the customer to place orders. By placing an order via carat-investments.com, including acceptance of these GTC, the customer submits a legally binding offer to conclude a contract. Retter then sends an order confirmation by email, confirming that the customer's offer has been received. The contract for the purchase of goods is concluded upon delivery of this order confirmation. Orders placed are binding for the customer.

Orders are delivered provided the goods are available. If, after conclusion of the contract, it becomes apparent that the ordered goods cannot be delivered in whole or in part, Retter is entitled to withdraw from the entire contract or part of the contract. If the customer has already made payment, this will be refunded. If no payment has been made, the customer is released from the obligation to pay. In the event of contract termination, Retter is not obliged to provide substitute delivery or compensation.

The payment options specified in the ordering process are available to the customer when purchasing goods.

For personal handover of goods, cash payment (delivery versus payment) is also accepted; USD, GBP, CHF, EUR are always accepted. Combined payments with digital currencies or precious metals can be arranged in consultation with Retter. Prices are converted at the daily exchange rate of UBS AG.

For storage in a free port, the GTC of Helveticor AG apply.

Deliveries are shipped via Helveticor to the address specified by the customer in the order. Upon handover, the identity of the person is verified by means of identification and, unless otherwise agreed, goods are handed over exclusively to the orderer or family members. In addition to Retter's GTC, the GTC of Helveticor also apply, particularly for deliveries involving shipping.

If the delivery is undeliverable or the customer refuses to accept the delivery, Retter may terminate the contract after the standard period of the service provider Helveticor and charge the resulting costs to the customer.

The customer is obliged to inspect the delivered goods immediately upon receipt and to report any defects covered by Retter's warranty without delay in writing by email to the address in the imprint of carat-investments.com.

Returns to Retter are at the customer's expense and risk. The customer must send the goods in original packaging, complete with all accessories and a description of the reasons, to the return address specified by Retter in the imprint of carat-investments.com.

If Retter's inspection of the return reveals that the goods have been opened and show no defects, Retter may charge the resulting expenses to the customer. Opened goods require a new valuation report to continue guaranteeing the authenticity of the gemstone, incurring costs of CHF 500 plus processing fees of CHF 80 per gemstone.

The customer is granted a right of withdrawal within 10 calendar days of receiving the goods. The deadline is deemed met if the customer returns the goods in original packaging, complete with all accessories, to the return address specified by Retter within 10 calendar days. No reason is required for the withdrawal.

Exercising the right of withdrawal leads to a reversal of the contract. The customer must return the goods in original packaging, complete with all accessories, within 10 calendar days. Returns to Retter are at the customer's expense and risk. Any payment already made will be refunded to the customer within 20 calendar days, provided Retter has already received the goods back.

Retter reserves the right to demand appropriate compensation for damage, excessive wear, or loss of value due to improper handling and to deduct the depreciation from the purchase price already paid or to invoice the customer.

Retter strives to deliver goods in flawless quality. For defects reported in a timely manner, Retter assumes warranty for freedom from defects and functionality of the item purchased by the customer during the statutory warranty period of two years from the delivery date. It is at Retter's discretion to fulfill the warranty through free repair, equivalent replacement, or refund of the purchase price. Further claims are excluded.

Normal wear and tear, consequences of improper treatment or damage by the customer or third parties, and defects attributable to external circumstances are not covered by the warranty.

Retter is unable to provide assurances or guarantees for the timeliness, completeness, and accuracy of data, or for the constant or uninterrupted availability of the website, its functionalities, integrated hyperlinks, and other content. In particular, it is neither assured nor guaranteed that the use of the website does not infringe the rights of third parties not owned by Retter.

Retter excludes all liability, regardless of legal basis, as well as claims for damages against Retter and any auxiliary persons and vicarious agents. In particular, Retter is not liable for indirect damages and consequential damages, lost profits, or other personal, property, and purely financial losses of the customer. Mandatory statutory liability, for example for gross negligence or unlawful intent, remains reserved.

Retter uses hyperlinks on carat-investments.com solely for the customer's simplified access to web offerings. Retter can neither know the content of these offerings in detail nor assume liability or other responsibility for the content of these websites.

Retter expressly reserves the right to amend these GTC at any time and to put them into effect without prior notice.

Should individual provisions of these GTC be wholly or partially void and/or ineffective, the validity and/or effectiveness of the remaining provisions or parts of such provisions shall remain unaffected. The invalid and/or ineffective provisions shall be replaced by those that come closest in economic terms to the meaning and purpose of the invalid and/or ineffective provisions in a legally effective manner. The same applies to any gaps in the regulations.

In the event of disputes, exclusively substantive Swiss law shall apply, excluding conflict of laws provisions. The UN Convention on Contracts for the International Sale of Goods (CISG, Vienna Sales Convention) is explicitly excluded.

The place of jurisdiction is Dielsdorf ZH, unless the law provides for mandatory places of jurisdiction.