{"id":33,"date":"2026-04-24T11:24:59","date_gmt":"2026-04-24T09:24:59","guid":{"rendered":"https:\/\/virtual-office-zug.com\/faq\/"},"modified":"2026-05-20T10:25:02","modified_gmt":"2026-05-20T08:25:02","slug":"faq","status":"publish","type":"page","link":"https:\/\/virtual-office-zug.com\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<p><!-- SCHEMA FAQ --><br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"What is virtual office domiciliation in Switzerland?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In Switzerland, domiciliation is a regulated legal service defined under Art. 119 of the Swiss Anti-Money Laundering Act (AMLA\/GwG). It provides a registered address to a legal entity for use in the commercial register, with mandatory KYC verification of all beneficial owners.\"}},\n    {\"@type\":\"Question\",\"name\":\"How quickly can I get my Zug address?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Typically within 48 business hours of completing online KYC verification. Most clients receive their domiciliation agreement and address confirmation the same day they submit documents.\"}},\n    {\"@type\":\"Question\",\"name\":\"What is the corporate tax rate in Zug?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Approximately 11.85-12.25% effective combined rate depending on commune. Baar ~11.85%, Steinhausen ~11.97%, Cham ~12.01%, Zug City ~12.25%. Compared to Zurich at 19.70% and Geneva at 24.16%.\"}},\n    {\"@type\":\"Question\",\"name\":\"How long does it take to form a Swiss GmbH?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Typically 3-4 weeks. Address activated in 48h, notary contacts you, bank opens capital account. Week 2: sign articles, transfer CHF 20,000 share capital. Week 3-4: commercial register publishes company on ZEFIX.\"}},\n    {\"@type\":\"Question\",\"name\":\"Do I need to be physically present in Zug?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. The entire process is 100% remote. Documents can be signed at the nearest Swiss embassy or via apostille with a local notary.\"}}\n  ]\n}\n<\/script><\/p>\n<p><!-- HERO --><\/p>\n<div class=\"fq-hero voz-anim\">\n<div class=\"fq-hero-badge\">71 Questions &middot; 10 Categories<\/div>\n<h1>Frequently Asked Questions<\/h1>\n<p class=\"fq-hero-sub\">The most complete Swiss virtual office FAQ on the market. Every question an international entrepreneur asks before establishing a Swiss presence &mdash; answered in full.<\/p>\n<div class=\"fq-hero-stats\">\n<div class=\"fq-stat voz-anim voz-anim-d1\">\n      <span class=\"fq-stat-num\" data-counter=\"71\">0<\/span><br \/>\n      <span class=\"fq-stat-label\">questions answered<\/span>\n    <\/div>\n<div class=\"fq-stat voz-anim voz-anim-d2\">\n      <span class=\"fq-stat-num\" data-counter=\"10\">0<\/span><br \/>\n      <span class=\"fq-stat-label\">categories<\/span>\n    <\/div>\n<div class=\"fq-stat voz-anim voz-anim-d3\">\n      <span class=\"fq-stat-num\">4h<\/span><br \/>\n      <span class=\"fq-stat-label\">avg. response time<\/span>\n    <\/div>\n<div class=\"fq-stat voz-anim voz-anim-d4\">\n      <span class=\"fq-stat-num\">24\/7<\/span><br \/>\n      <span class=\"fq-stat-label\">VOZ AI Assistant<\/span>\n    <\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- SEARCH --><\/p>\n<div class=\"fq-search-wrap voz-anim\">\n<div class=\"fq-search-inner\">\n    <svg class=\"fq-search-icon\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"11\" cy=\"11\" r=\"8\"\/><line x1=\"21\" y1=\"21\" x2=\"16.65\" y2=\"16.65\"\/><\/svg><br \/>\n    <input type=\"text\" class=\"fq-search-input\" id=\"faq-search\" placeholder=\"Search 71 questions &mdash; tax rate, bank account, director...\"\/><br \/>\n    <button class=\"fq-search-clear\" id=\"faq-clear\" aria-label=\"Clear search\">&times;<\/button>\n  <\/div>\n<div class=\"fq-search-result\" id=\"faq-result-count\">Showing all 71 questions<\/div>\n<\/div>\n<p><!-- CATEGORY NAV --><\/p>\n<div class=\"fq-cat-nav voz-anim\" id=\"faq-nav\">\n  <button class=\"fq-cat-btn active\" data-cat=\"all\">All 71<\/button><br \/>\n  <button class=\"fq-cat-btn\" data-cat=\"domiciliation\">Domiciliation<\/button><br \/>\n  <button class=\"fq-cat-btn\" data-cat=\"director\">Swiss Director<\/button><br \/>\n  <button class=\"fq-cat-btn\" data-cat=\"formation\">Formation<\/button><br \/>\n  <button class=\"fq-cat-btn\" data-cat=\"banking\">Banking<\/button><br \/>\n  <button class=\"fq-cat-btn\" data-cat=\"tax\">Tax<\/button><br \/>\n  <button class=\"fq-cat-btn\" data-cat=\"billing\">Billing<\/button><br \/>\n  <button class=\"fq-cat-btn\" data-cat=\"legal\">Legal<\/button><br \/>\n  <button class=\"fq-cat-btn\" data-cat=\"voice\">VOZ Voice<\/button><br \/>\n  <button class=\"fq-cat-btn\" data-cat=\"digital\">Digital Tools<\/button><br \/>\n  <button class=\"fq-cat-btn\" data-cat=\"started\">Getting Started<\/button>\n<\/div>\n<p><!-- CAT 1 \u2014 DOMICILIATION --><\/p>\n<div class=\"fq-category\" data-cat=\"domiciliation\">\n<div class=\"fq-cat-header voz-anim\">\n<div class=\"fq-cat-icon\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#2563EB\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 9l9-7 9 7v11a2 2 0 01-2 2H5a2 2 0 01-2-2V9z\"\/><polyline points=\"9 22 9 12 15 12 15 22\"\/><\/svg><\/div>\n<div>\n<div class=\"fq-cat-name\">Domiciliation<\/div>\n<div class=\"fq-cat-count\">8 questions<\/div>\n<\/div><\/div>\n<div class=\"fq-items\">\n<div class=\"fq-item\" data-cat=\"domiciliation\">\n<div class=\"fq-q\">What is virtual office domiciliation in Switzerland?<\/div>\n<div class=\"fq-a\">\n<p>In Switzerland, domiciliation is a <strong>regulated legal service defined under Art. 119 of the Swiss Anti-Money Laundering Act (AMLA\/GwG)<\/strong>. It provides a registered address to a legal entity for use in the commercial register &mdash; fundamentally different from a simple mailbox or coworking address in most other countries.<\/p>\n<p>Virtual Office Zug operates as a fully AMLA-compliant domiciliary agent. Our four addresses across Canton Zug are accepted by the Handelsregisteramt Zug (HRAB) for GmbH and AG registrations.<\/p>\n<p>Swiss domiciliation carries specific legal obligations:<\/p>\n<ul>\n<li>KYC verification of all beneficial owners &mdash; mandatory before activation<\/li>\n<li>Record maintenance for 10 years minimum<\/li>\n<li>Annual beneficial owner declaration renewal<\/li>\n<li>FINMA suspicious activity reporting obligations<\/li>\n<li>Full cooperation with Swiss authorities on lawful request<\/li>\n<\/ul>\n<p>This regulatory framework is precisely why a Swiss address carries credibility &mdash; banks, clients, and counterparties know the domiciliary agent has conducted due diligence on every entity at the address.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/domiciliation\/\">Domiciliation service &rarr;<\/a> <a href=\"\/security\/\">Security &amp; compliance &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"domiciliation\">\n<div class=\"fq-q\">Is it legal to register a company at a virtual address in Zug?<\/div>\n<div class=\"fq-a\">\n<p><strong>Yes &mdash; entirely legal and extremely common.<\/strong> Under <strong>Art. 117 of the Swiss Code of Obligations<\/strong> and the Commercial Register Ordinance, a company&apos;s registered address does not need to correspond to its operational premises.<\/p>\n<p>The legal requirement is that it must be a real, physical address where the company can be reached and official correspondence served. Our addresses satisfy all requirements: we are physically present, we receive mail, and we forward official correspondence promptly.<\/p>\n<p>This structure is used by thousands of Swiss companies, including multinationals, holding structures, and family offices. Glencore and dozens of Fortune 500 subsidiaries maintain Zug registered addresses of this type.<\/p>\n<p>What makes Switzerland different from jurisdictions where virtual offices carry regulatory risk is the AMLA compliance framework &mdash; every entity at our address has been KYC-verified and is on record.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"domiciliation\">\n<div class=\"fq-q\">How quickly can I get my Zug address?<\/div>\n<div class=\"fq-a\">\n<p>Typically <strong>within 48 business hours<\/strong> of completing online KYC verification. Most clients receive their domiciliation agreement and address confirmation the same day if submitted before 14:00 CET.<\/p>\n<ol>\n<li><strong>Choose plan online<\/strong> &mdash; 10 minutes<\/li>\n<li><strong>Submit KYC documents<\/strong> (passport + proof of address) &mdash; 5 minutes<\/li>\n<li><strong>Team verifies<\/strong> &mdash; within 24 business hours<\/li>\n<li><strong>Address certificate<\/strong> delivered by email &mdash; immediately upon approval<\/li>\n<\/ol>\n<p>Your address is <strong>immediately usable<\/strong> for commercial register applications, bank account opening, and official business correspondence.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/get-started\/\">Start your application &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"domiciliation\">\n<div class=\"fq-q\">What happens to my mail?<\/div>\n<div class=\"fq-a\">\n<ul>\n<li><strong>Scanning:<\/strong> every letter scanned within 24h of receipt &mdash; same day if received before 14:00 CET<\/li>\n<li><strong>Digital forwarding:<\/strong> PDF forwarded to your email and accessible in your VOZ dashboard immediately<\/li>\n<li><strong>Urgency detection:<\/strong> courts, tax authorities (ESTV), FINMA, and commercial register correspondence flagged high priority and escalated immediately<\/li>\n<li><strong>VOZ Vault integration:<\/strong> if active, scans auto-saved to your encrypted Swiss vault<\/li>\n<li><strong>Physical forwarding:<\/strong> available on request, worldwide, at cost<\/li>\n<li><strong>Retention:<\/strong> physical mail retained 30 days before secure disposal<\/li>\n<\/ul>\n<p>For urgent time-sensitive mail (tax demands, court notices, authority deadlines), our team contacts you directly outside normal scan cycles.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"domiciliation\">\n<div class=\"fq-q\">Can I use the address for a bank account?<\/div>\n<div class=\"fq-a\">\n<p>Yes. Our domiciliation address is accepted by all major Swiss banks for corporate account opening, including: <strong>UBS, Valiant, cantonal banks, SEBA Bank, Sygnum Bank, Neon Business, and Wise Business.<\/strong><\/p>\n<p>We provide a <strong>fiduciary-signed domiciliation certificate<\/strong> accepted for bank KYC, confirming the company is legally domiciled, KYC has been conducted on all beneficial owners, and the domiciliation agreement is in force.<\/p>\n<p>Through our <strong>UBS &amp; Baloise partnership<\/strong>, VOZ clients receive guided corporate account opening support including introductory letters and, where applicable, the CHF 0 notary fee offer.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/business-bank-account-switzerland\/\">Swiss bank account opening &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"domiciliation\">\n<div class=\"fq-q\">Do I need to be physically present in Zug?<\/div>\n<div class=\"fq-a\">\n<p><strong>No. The entire process is 100% remote<\/strong> &mdash; address activation, KYC, domiciliation agreement signing, mail management, and dashboard access.<\/p>\n<p>For GmbH or AG formation, documents requiring notarisation can be handled via:<\/p>\n<ul>\n<li><strong>Swiss embassy or consulate<\/strong> in your country of residence<\/li>\n<li><strong>Apostille via a local notary<\/strong> &mdash; available in almost every country, accepted by Swiss authorities<\/li>\n<\/ul>\n<p>Clients have successfully incorporated Swiss companies from Dubai, Singapore, Paris, London, Lagos, and Tokyo &mdash; without ever visiting Switzerland.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"domiciliation\">\n<div class=\"fq-q\">What is the difference between Baar, Cham, Steinhausen and Zug City?<\/div>\n<div class=\"fq-a\">\n<p>All four communes are in Canton Zug with effective corporate tax rates between <strong>11.85% and 12.25%<\/strong>:<\/p>\n<ul>\n<li><strong>Baar (~11.85%):<\/strong> most popular commercial commune, home to Glencore global HQ, 28 min to Zurich HB. Best for trading companies, tech startups, international businesses<\/li>\n<li><strong>Cham (~12.01%):<\/strong> prestigious lakeside location on Lake Zug. Best for holding structures and family offices<\/li>\n<li><strong>Steinhausen (~11.97%):<\/strong> quieter, more discreet. Best for consultants and private holdings<\/li>\n<li><strong>Zug City (~12.25%):<\/strong> cantonal capital, heart of Crypto Valley, maximum prestige. Best for crypto\/blockchain, fintech, VC-backed companies<\/li>\n<\/ul>\n<p>The tax difference between cheapest and most expensive is just 0.4% &mdash; on CHF 500,000 profit that is CHF 2,000\/year. Many founders choose Zug City for prestige despite the marginal premium.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/baar\/\">Baar &rarr;<\/a> <a href=\"\/cham\/\">Cham &rarr;<\/a> <a href=\"\/steinhausen\/\">Steinhausen &rarr;<\/a> <a href=\"\/virtual-office-zug-city\/\">Zug City &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"domiciliation\">\n<div class=\"fq-q\">Can I register multiple companies at the same VOZ address?<\/div>\n<div class=\"fq-a\">\n<p>Yes. Standard practice for holding structures, family offices, and serial entrepreneurs. A single Zug address can host multiple separate legal entities &mdash; each appearing independently in the commercial register.<\/p>\n<p>Requirements per entity: separate AMLA-compliant domiciliation agreement, independent KYC (or simplified renewal if same beneficial owners), and a separate monthly subscription per entity.<\/p>\n<p><strong>Group pricing available<\/strong> for 3 or more entities. Commonly used for: holding + operating company, multiple portfolio companies, joint venture structures.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/for-holding-structures\/\">Holding structures &rarr;<\/a> <a href=\"\/contact\/\">Group pricing &rarr;<\/a><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- CAT 2 \u2014 SWISS DIRECTOR --><\/p>\n<div class=\"fq-category\" data-cat=\"director\">\n<div class=\"fq-cat-header voz-anim\">\n<div class=\"fq-cat-icon\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#2563EB\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 21v-2a4 4 0 00-4-4H8a4 4 0 00-4 4v2\"\/><circle cx=\"12\" cy=\"7\" r=\"4\"\/><\/svg><\/div>\n<div>\n<div class=\"fq-cat-name\">Swiss Director<\/div>\n<div class=\"fq-cat-count\">8 questions<\/div>\n<\/div><\/div>\n<div class=\"fq-items\">\n<div class=\"fq-item\" data-cat=\"director\">\n<div class=\"fq-q\">Why does Swiss law require a resident director?<\/div>\n<div class=\"fq-a\">\n<p><strong>Art. 718 of the Swiss Code of Obligations<\/strong> requires that at least one director of a Swiss GmbH or AG must be a resident of Switzerland with individual signing authority.<\/p>\n<p>The rationale: Swiss law requires a locally accountable person who can receive legal documents, sign statutory documents, and be personally accountable to Swiss authorities.<\/p>\n<p>What it does <em>not<\/em> mean: the Swiss director does not run your company, make business decisions, or have access to your finances unless you explicitly grant those rights. Their role is <strong>purely administrative and statutory.<\/strong><\/p>\n<div class=\"fq-link-row\"><a href=\"\/swiss-director\/\">Swiss Director service &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"director\">\n<div class=\"fq-q\">Who are your resident directors?<\/div>\n<div class=\"fq-a\">\n<p>Qualified Swiss-resident fiduciary professionals based in Canton Zug. All directors are:<\/p>\n<ul>\n<li>Swiss residents with valid Swiss permit or citizenship<\/li>\n<li>Professionally qualified and licensed fiduciaries<\/li>\n<li>Familiar with AMLA\/AML obligations and annual compliance requirements<\/li>\n<li>Covered by professional liability insurance (CHF 1M+)<\/li>\n<li>Registered with Swiss professional bodies<\/li>\n<\/ul>\n<p>Specific director names and credentials are provided during onboarding. You always know exactly who holds the director mandate &mdash; this information is also publicly visible on ZEFIX.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"director\">\n<div class=\"fq-q\">Do directors have access to my company&apos;s bank account?<\/div>\n<div class=\"fq-a\">\n<p><strong>No &mdash; unless you explicitly grant it in writing.<\/strong><\/p>\n<p>Our governance agreement defines the director&apos;s role as <strong>administrative only<\/strong>. Without your explicit written authorisation, VOZ directors cannot:<\/p>\n<ul>\n<li>Access your bank accounts in any capacity<\/li>\n<li>Transfer funds or make payments<\/li>\n<li>Enter into commercial contracts on your behalf<\/li>\n<li>Make any business decisions whatsoever<\/li>\n<\/ul>\n<p><strong>You retain full control<\/strong> of your company &mdash; financially, operationally, and strategically. The director mandate is scoped specifically to statutory requirements.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"director\">\n<div class=\"fq-q\">What is the director&apos;s liability?<\/div>\n<div class=\"fq-a\">\n<p><strong>Director&apos;s responsibility:<\/strong> statutory compliance (commercial register updates, annual meetings, AMLA), timely filing of required documents, signing legally required documents.<\/p>\n<p><strong>Your liability as owner:<\/strong> all business decisions (strategy, operations, hiring), tax strategy and compliance, commercial contracts and obligations, any liability arising from your business activity.<\/p>\n<p>Our directors are covered by <strong>professional liability insurance (CHF 1M+)<\/strong> for errors in their statutory duties.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"director\">\n<div class=\"fq-q\">What if I want to replace the VOZ director?<\/div>\n<div class=\"fq-a\">\n<p>You can replace at any time with <strong>no penalties or lock-in.<\/strong><\/p>\n<ol>\n<li>Board resolution authorising director change<\/li>\n<li>New director appointment document prepared<\/li>\n<li>Notarisation &mdash; remote via embassy or apostille<\/li>\n<li>Commercial register filing &mdash; 5&ndash;10 business days<\/li>\n<li>Termination of our mandate &mdash; effective upon register update<\/li>\n<\/ol>\n<p>If you obtain Swiss residency yourself, you can become sole director entirely and eliminate the annual CHF 3,000 fee.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"director\">\n<div class=\"fq-q\">Can you provide a director for an AG as well as a GmbH?<\/div>\n<div class=\"fq-a\">\n<p>Yes. Our director service covers both legal forms:<\/p>\n<ul>\n<li><strong>GmbH:<\/strong> serves as Gesch&auml;ftsf&uuml;hrer (managing director) with individual signing authority<\/li>\n<li><strong>AG:<\/strong> serves as Verwaltungsrat (board member) &mdash; at least one must be Swiss-resident with individual signing authority<\/li>\n<\/ul>\n<p>Annual cost is the same for both: <strong>CHF 3,000\/year billed by the fiduciary<\/strong>, plus the CHF 249 one-time VOZ setup fee.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/swiss-director\/\">Swiss Director pricing &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"director\">\n<div class=\"fq-q\">How much does the Swiss director service cost?<\/div>\n<div class=\"fq-a\">\n<p><strong>CHF 249 one-time VOZ setup fee<\/strong> plus <strong>CHF 3,000 per year<\/strong>, billed annually by the Swiss fiduciary.<\/p>\n<p>At CHF 250\/month equivalent, this is <strong>significantly below typical Swiss market rates of CHF 400&ndash;800\/month<\/strong> for the same service.<\/p>\n<p>Included: director appointment and commercial register entry, signing of legally required statutory documents, annual compliance review, bilingual EN\/DE director mandate agreement, professional liability insurance coverage.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/swiss-director\/\">Add a Swiss Director &rarr;<\/a> <a href=\"\/pricing\/\">See all pricing &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"director\">\n<div class=\"fq-q\">Can I be a co-director alongside your director?<\/div>\n<div class=\"fq-a\">\n<p>Yes &mdash; and this is the <strong>most common structure<\/strong> for VOZ clients. Being appointed co-director gives you:<\/p>\n<ul>\n<li>Formal signing authority in your own right<\/li>\n<li>Governance rights &mdash; you participate in decisions and formally record them<\/li>\n<li>Public registration in the commercial register (ZEFIX)<\/li>\n<li>Direct banking relationships &mdash; banks see you as a registered director<\/li>\n<\/ul>\n<p>The Swiss-resident director requirement is still satisfied by our fiduciary. Included in the standard director mandate at no additional cost.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- CAT 3 \u2014 FORMATION --><\/p>\n<div class=\"fq-category\" data-cat=\"formation\">\n<div class=\"fq-cat-header voz-anim\">\n<div class=\"fq-cat-icon\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#2563EB\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"2\" y=\"7\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M16 7V5a2 2 0 00-2-2h-4a2 2 0 00-2 2v2\"\/><line x1=\"12\" y1=\"12\" x2=\"12\" y2=\"16\"\/><line x1=\"10\" y1=\"14\" x2=\"14\" y2=\"14\"\/><\/svg><\/div>\n<div>\n<div class=\"fq-cat-name\">Company Formation<\/div>\n<div class=\"fq-cat-count\">10 questions<\/div>\n<\/div><\/div>\n<div class=\"fq-items\">\n<div class=\"fq-item\" data-cat=\"formation\">\n<div class=\"fq-q\">How long does it take to form a Swiss GmbH?<\/div>\n<div class=\"fq-a\">\n<p>Typically <strong>3&ndash;4 weeks<\/strong> from start to finish. The timeline is dominated by the commercial register&apos;s processing time &mdash; not by our processes.<\/p>\n<ul>\n<li><strong>Day 1&ndash;2:<\/strong> address activated, notary contacts you within 48h, bank begins capital deposit account setup<\/li>\n<li><strong>Week 1&ndash;2:<\/strong> transfer CHF 20,000 share capital, sign articles of association, bank issues capital deposit certificate<\/li>\n<li><strong>Week 2&ndash;3:<\/strong> notary submits file to Handelsregisteramt Zug<\/li>\n<li><strong>Week 3&ndash;4:<\/strong> company published on ZEFIX, capital released to your account, CHE number assigned<\/li>\n<\/ul>\n<p>Through the <strong>UBS &amp; Baloise partnership<\/strong>, notary fees (normally CHF 800&ndash;2,500) are fully covered. You pay only <strong>CHF 149 VOZ setup fee<\/strong> + CHF 550 Commercial Register fee.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/swiss-company-formation\/\">Company formation &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"formation\">\n<div class=\"fq-q\">What is the minimum share capital for a Swiss GmbH?<\/div>\n<div class=\"fq-a\">\n<p><strong>CHF 20,000, fully paid up at incorporation.<\/strong><\/p>\n<p>This is the most misunderstood aspect of Swiss GmbH formation. <strong>The CHF 20,000 is not a cost &mdash; it is an asset<\/strong> of your company: deposited in a blocked bank account before formation, registered as share capital, released to your operating account immediately after registration, and usable for business expenses from day one.<\/p>\n<p>For a <strong>Swiss AG:<\/strong> CHF 100,000 minimum, but only CHF 50,000 must be paid up at incorporation.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"formation\">\n<div class=\"fq-q\">What is the difference between a GmbH and an AG?<\/div>\n<div class=\"fq-a\">\n<p><strong>GmbH:<\/strong> minimum capital CHF 20,000 (fully paid), shareholders listed publicly, simpler governance, share transfer requires notarisation. Best for: solo founders, SMEs, holdings, consultants.<\/p>\n<p><strong>AG:<\/strong> minimum capital CHF 100,000 (CHF 50,000 paid up), shareholders NOT listed publicly (full privacy), board of directors required, shares freely transferable. Best for: VC-funded companies, institutional investors, crypto\/blockchain structures.<\/p>\n<p>Most common path: start with GmbH and convert to AG if raising institutional capital.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/gmbh-vs-ag\/\">Full GmbH vs AG comparison &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"formation\">\n<div class=\"fq-q\">Do I need to be Swiss to own a Swiss company?<\/div>\n<div class=\"fq-a\">\n<p><strong>No &mdash; no nationality restrictions whatsoever.<\/strong> You can own 100% of a Swiss GmbH or AG regardless of nationality or country of residence.<\/p>\n<p>The only requirement affecting non-Swiss owners is the director residency rule (Art. 718 CO) &mdash; our Swiss Director service satisfies this entirely. Practically every VOZ client is a non-Swiss national running a Swiss company from abroad. This is the norm, not the exception.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/non-resident-swiss-company\/\">Non-resident Swiss company &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"formation\">\n<div class=\"fq-q\">Can foreigners be directors of a Swiss company?<\/div>\n<div class=\"fq-a\">\n<p>Yes. Foreign nationals can be directors, shareholders, and beneficial owners of Swiss companies. The only restriction: at least one director must be resident in Switzerland with individual signing authority (Art. 718 CO).<\/p>\n<p>Most common VOZ structure: <strong>you as co-director and 100% shareholder<\/strong> (non-resident) + our Swiss director satisfying the residency requirement. You retain full control while remaining legally compliant.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"formation\">\n<div class=\"fq-q\">What is the corporate tax rate in Zug?<\/div>\n<div class=\"fq-a\">\n<p><strong>~11.85&ndash;12.25% effective combined rate<\/strong> depending on commune: Baar ~11.85%, Steinhausen ~11.97%, Cham ~12.01%, Zug City ~12.25%.<\/p>\n<p>Comparison: Zurich ~19.70%, Bern ~21.04%, Geneva ~24.16%.<\/p>\n<p>On CHF 500,000 annual profit, the difference between Zug and Geneva is <strong>CHF 61,300\/year<\/strong>. For holding structures, the participation exemption can reduce effective tax on qualifying dividend income to near zero.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/canton-tax-comparator\/\">Compare all 26 cantons &rarr;<\/a> <a href=\"\/switzerland-tax-canton-zug\/\">Zug tax guide &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"formation\">\n<div class=\"fq-q\">What is the CHF 0 notary offer?<\/div>\n<div class=\"fq-a\">\n<p>Through an exclusive partnership with <strong>UBS and Baloise<\/strong>, notary fees (normally CHF 800&ndash;2,500) are fully covered when you: (1) open a UBS business account through our partner network, and (2) select UBS &amp; Baloise &ldquo;Z&eacute;ro Souci&rdquo; during checkout. You pay CHF 0 to the notary.<\/p>\n<p>What you still pay: CHF 149 VOZ setup fee, CHF 550 Commercial Register fee (government &mdash; cannot be waived), CHF 20,000 share capital (your company&apos;s asset &mdash; fully recoverable).<\/p>\n<div class=\"fq-link-row\"><a href=\"\/ubs-baloise-partnership\/\">UBS partnership details &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"formation\">\n<div class=\"fq-q\">What ongoing obligations does a Swiss GmbH have?<\/div>\n<div class=\"fq-a\">\n<p><strong>Tax:<\/strong> annual corporate tax return, quarterly or annual VAT filing if registered.<\/p>\n<p><strong>Corporate governance:<\/strong> minimum one shareholders&apos; meeting per year, annual accounts approved, commercial register renewal (~CHF 100\/year).<\/p>\n<p><strong>Accounting:<\/strong> annual financial statements required. Audit only if two of three thresholds exceeded: CHF 10M revenue \/ CHF 20M balance sheet \/ 50 FTE. Most VOZ clients are below these thresholds.<\/p>\n<p><strong>AMLA:<\/strong> annual beneficial owner declaration renewal (VOZ handles automatically).<\/p>\n<p><strong>Estimated minimum annual running cost:<\/strong> domiciliation CHF 708 + director CHF 3,000 + accounting from CHF 1,200 + tax from CHF 500 = <strong>~CHF 5,400\/year<\/strong>.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"formation\">\n<div class=\"fq-q\">Can I convert my GmbH to an AG?<\/div>\n<div class=\"fq-a\">\n<p>Yes. Switzerland provides a formal <strong>transformation procedure<\/strong> under the Swiss Merger Act (Fusionsgesetz) with full continuity of legal personality.<\/p>\n<p>Requirements: AG minimum capital CHF 100,000 (inject CHF 80,000 if your GmbH has CHF 20,000), board of directors appointed, notary procedure (remote), commercial register filing 5&ndash;10 business days.<\/p>\n<p><strong>Timeline: ~4&ndash;8 weeks.<\/strong> Common for companies raising institutional capital or needing full shareholder privacy.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"formation\">\n<div class=\"fq-q\">What is a CHE number?<\/div>\n<div class=\"fq-a\">\n<p>The <strong>CHE number (Unternehmens-Identifikationsnummer \/ UID)<\/strong>, format CHE-XXX.XXX.XXX, is Switzerland&apos;s unique company identifier &mdash; assigned at commercial register entry.<\/p>\n<p>Used for: tax filings (ESTV), VAT registration (format CHE-XXX.XXX.XXX MWST), social insurance (AHV), commercial correspondence (invoices, contracts, letterheads), ZEFIX public register (searchable by CHE number).<\/p>\n<p>VOZ Docs automatically pre-fills your CHE number in all generated Swiss legal documents.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- CAT 4 \u2014 BANKING --><\/p>\n<div class=\"fq-category\" data-cat=\"banking\">\n<div class=\"fq-cat-header voz-anim\">\n<div class=\"fq-cat-icon\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#2563EB\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"1\" y=\"4\" width=\"22\" height=\"16\" rx=\"2\"\/><line x1=\"1\" y1=\"10\" x2=\"23\" y2=\"10\"\/><\/svg><\/div>\n<div>\n<div class=\"fq-cat-name\">Banking &amp; Finance<\/div>\n<div class=\"fq-cat-count\">5 questions<\/div>\n<\/div><\/div>\n<div class=\"fq-items\">\n<div class=\"fq-item\" data-cat=\"banking\">\n<div class=\"fq-q\">How do I open a Swiss bank account?<\/div>\n<div class=\"fq-a\">\n<p>All VOZ clients receive a <strong>formal bank introduction letter<\/strong> that accelerates the process significantly. Required documents:<\/p>\n<ul>\n<li>Commercial register extract (Handelsregisterauszug)<\/li>\n<li>VOZ domiciliation certificate (fiduciary-signed)<\/li>\n<li>Passport of all directors and beneficial owners<\/li>\n<li>Proof of residential address (max 3 months old)<\/li>\n<li>Company description and business model<\/li>\n<li>Source of funds declaration for share capital<\/li>\n<\/ul>\n<p><strong>Recommended banks by profile:<\/strong><\/p>\n<ul>\n<li><strong>UBS<\/strong> (via our partnership) &mdash; best for most international businesses, CHF 0 notary via Z&eacute;ro Souci<\/li>\n<li><strong>Valiant<\/strong> &mdash; excellent for SMEs, fast onboarding<\/li>\n<li><strong>SEBA Bank<\/strong> &mdash; best for crypto\/digital assets, FINMA-licensed<\/li>\n<li><strong>Sygnum Bank<\/strong> &mdash; institutional crypto and digital assets<\/li>\n<li><strong>Neon Business<\/strong> &mdash; digital-first, fast approval<\/li>\n<li><strong>Wise Business<\/strong> &mdash; multi-currency, international payments<\/li>\n<\/ul>\n<p><strong>Timeline: 2&ndash;6 weeks<\/strong> depending on bank and nationality. Our introduction letter typically reduces processing time by 1&ndash;2 weeks.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/business-bank-account-switzerland\/\">Swiss bank account guide &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"banking\">\n<div class=\"fq-q\">Which nationalities face extra scrutiny for Swiss bank accounts?<\/div>\n<div class=\"fq-a\">\n<p>Swiss banks apply enhanced due diligence to certain nationalities. This does not mean impossible &mdash; it means additional documentation and longer timelines.<\/p>\n<p><strong>Enhanced scrutiny typically applies to:<\/strong> US persons (FATCA reporting obligations), Russian nationals (additional sanctions screening since 2022), Iranian nationals (sanctions regime), certain African and Middle Eastern nationalities, PEPs (Politically Exposed Persons) of any nationality.<\/p>\n<p><strong>Most accessible nationalities:<\/strong> EU\/EEA, Singapore, Australia, Canada, UK, Japan, Switzerland, UAE, South Korea, Hong Kong.<\/p>\n<p>Contact us before applying if you are unsure &mdash; we can advise on the most appropriate bank for your specific situation.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"banking\">\n<div class=\"fq-q\">What is FATCA and does it affect US persons?<\/div>\n<div class=\"fq-a\">\n<p><strong>FATCA (Foreign Account Tax Compliance Act)<\/strong> requires foreign financial institutions to report accounts held by US persons (citizens, green card holders) to the IRS.<\/p>\n<p><strong>Impact on Swiss accounts:<\/strong> banks request a W-9 form from US persons; account information reported annually to the IRS via ESTV; does not prevent account opening at most Swiss banks.<\/p>\n<p><strong>Accessible to US persons:<\/strong> UBS (via our partnership), SEBA Bank, Wise Business.<\/p>\n<p>US persons operating Swiss companies must also address with a <strong>US-Swiss tax attorney<\/strong>: FBAR (FinCEN 114) &mdash; foreign bank account reporting; PFIC rules; CFC rules &mdash; controlled foreign corporation attribution. Swiss companies are fully viable for US persons &mdash; but proper US tax advice is essential.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"banking\">\n<div class=\"fq-q\">Can my Swiss company accept crypto payments?<\/div>\n<div class=\"fq-a\">\n<p>Yes &mdash; Switzerland is one of the most crypto-forward jurisdictions globally. <strong>Canton Zug itself<\/strong> has accepted Bitcoin and Ethereum for government tax payments up to CHF 100,000 since 2021 &mdash; the first government in the world to do so.<\/p>\n<p><strong>Accounting treatment:<\/strong> crypto received as payment is treated as business income at the CHF equivalent on the date of receipt. Exchange gains\/losses may be taxable business income.<\/p>\n<p><strong>Recommended banking for crypto businesses:<\/strong><\/p>\n<ul>\n<li><strong>SEBA Bank<\/strong> &mdash; FINMA-licensed, designed for digital asset businesses<\/li>\n<li><strong>Sygnum Bank<\/strong> &mdash; institutional digital assets<\/li>\n<li><strong>Neon Business<\/strong> &mdash; crypto-friendly for smaller operations<\/li>\n<\/ul>\n<div class=\"fq-link-row\"><a href=\"\/for-crypto-companies\/\">VOZ for crypto companies &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"banking\">\n<div class=\"fq-q\">What is Swiss VAT and when do I need to register?<\/div>\n<div class=\"fq-a\">\n<p>Swiss VAT (MWST) rates: <strong>8.1%<\/strong> standard, <strong>2.6%<\/strong> reduced (food, books, medicines), <strong>3.8%<\/strong> hotel rate.<\/p>\n<p><strong>Mandatory registration:<\/strong> worldwide taxable turnover exceeds <strong>CHF 100,000\/year<\/strong>, regardless of where clients are located.<\/p>\n<p><strong>Key point for international businesses:<\/strong> services exported outside Switzerland are generally <strong>0% Swiss VAT<\/strong>. A consulting firm with all clients in Dubai and London may have zero VAT liability even at significant revenue.<\/p>\n<p><strong>Voluntary registration below CHF 100,000:<\/strong> possible &mdash; beneficial if you have significant Swiss input costs to reclaim.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- CAT 5 \u2014 TAX --><\/p>\n<div class=\"fq-category\" data-cat=\"tax\">\n<div class=\"fq-cat-header voz-anim\">\n<div class=\"fq-cat-icon\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#2563EB\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M9 7h6m0 10v-3m-3 3h.01M9 17h.01M9 14h.01M12 14h.01M15 11h.01M12 11h.01M9 11h.01M7 21h10a2 2 0 002-2V5a2 2 0 00-2-2H7a2 2 0 00-2 2v14a2 2 0 002 2z\"\/><\/svg><\/div>\n<div>\n<div class=\"fq-cat-name\">Tax &amp; Compliance<\/div>\n<div class=\"fq-cat-count\">8 questions<\/div>\n<\/div><\/div>\n<div class=\"fq-items\">\n<div class=\"fq-item\" data-cat=\"tax\">\n<div class=\"fq-q\">What is the Swiss participation exemption (Beteiligungsabzug)?<\/div>\n<div class=\"fq-a\">\n<p>Under <strong>Art. 69&ndash;70 of the Federal Direct Tax Act (DBG)<\/strong>, the participation exemption effectively reduces corporate tax on qualifying dividend income and capital gains to <strong>near zero<\/strong>.<\/p>\n<p><strong>Qualification:<\/strong> minimum 10% ownership of the subsidiary, OR shares worth CHF 1 million+, OR for capital gains: minimum 1 year holding period.<\/p>\n<p><strong>Effective tax on qualifying holding income<\/strong> can fall below 0.5% &mdash; making Switzerland one of the world&apos;s most efficient holding jurisdictions.<\/p>\n<p><strong>Practical example:<\/strong> a Swiss holding receives CHF 1M dividend from its foreign subsidiary. With the participation exemption, Swiss corporate tax is approximately CHF 4,500 (0.45%) rather than CHF 119,000 at the standard 11.9% rate.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/for-holding-structures\/\">Holding structures in Zug &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"tax\">\n<div class=\"fq-q\">Does Switzerland have CFC rules?<\/div>\n<div class=\"fq-a\">\n<p><strong>No.<\/strong> Switzerland does not have Controlled Foreign Corporation (CFC) rules in the traditional sense. Income retained in foreign subsidiaries is <strong>not attributed to the Swiss holding on a look-through basis<\/strong>. Only dividends actually paid to the Swiss entity are subject to Swiss tax &mdash; and then only at very low rates under the participation exemption.<\/p>\n<p><strong>OECD Pillar Two caveat:<\/strong> the global minimum tax of 15% applies only to multinational groups with revenues exceeding <strong>EUR 750 million<\/strong>. Virtually no VOZ client is in scope.<\/p>\n<p>Substance requirements still apply to claim treaty benefits &mdash; genuine Swiss operations, real directors, and documented Swiss nexus are required.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"tax\">\n<div class=\"fq-q\">What is Swiss withholding tax (Verrechnungssteuer)?<\/div>\n<div class=\"fq-a\">\n<p>Swiss withholding tax is levied at <strong>35%<\/strong> on dividends paid by Swiss companies. This sounds alarming but is almost always recoverable.<\/p>\n<p><strong>Recovery options:<\/strong><\/p>\n<ul>\n<li><strong>Swiss tax residents:<\/strong> full 35% recovery through personal tax return<\/li>\n<li><strong>Non-residents with treaty:<\/strong> recovery under DTA &mdash; 0% for qualifying holdings in Germany, UK, Netherlands, UAE, Singapore; 5&ndash;15% for most others<\/li>\n<li><strong>Notification procedure (Meldeverfahren):<\/strong> for qualifying group structures (20%+ parent, both Swiss resident), withholding can be eliminated entirely &mdash; no cash flow impact<\/li>\n<\/ul>\n<p>Most VOZ clients use the treaty rate or Meldeverfahren and pay <strong>0&ndash;5% effective withholding<\/strong> on dividend distributions.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/switzerland-tax-canton-zug\/\">Canton Zug tax guide &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"tax\">\n<div class=\"fq-q\">How do double taxation treaties work for Swiss companies?<\/div>\n<div class=\"fq-a\">\n<p>Switzerland has over <strong>100 Double Taxation Agreements (DTAs)<\/strong> &mdash; one of the world&apos;s most extensive treaty networks.<\/p>\n<p><strong>Key benefits:<\/strong> dividends from foreign subsidiaries reduced to 0&ndash;15% in most treaty countries; business profits taxed only in Switzerland if no foreign permanent establishment; capital gains typically taxed only in Switzerland.<\/p>\n<p><strong>Key treaties (dividend withholding for qualifying holdings):<\/strong> Germany 0%, UK 0%, Netherlands 0%, USA 5&ndash;15%, Singapore 0%, UAE 0%, Hong Kong 0%.<\/p>\n<p><strong>Critical requirement:<\/strong> treaty claims require genuine Swiss substance. A mailbox address alone is insufficient for aggressive treaty planning &mdash; real director, documented Swiss nexus, and genuine management presence required.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"tax\">\n<div class=\"fq-q\">What is OECD BEPS and does it affect my structure?<\/div>\n<div class=\"fq-a\">\n<p><strong>BEPS (Base Erosion and Profit Shifting)<\/strong> requires genuine economic substance in jurisdictions where tax benefits are claimed. Switzerland has implemented BEPS recommendations.<\/p>\n<p><strong>How VOZ satisfies BEPS substance requirements:<\/strong><\/p>\n<ul>\n<li>Licensed Swiss director with individual signing authority &mdash; genuine local governance<\/li>\n<li>Registered Zug address receiving official correspondence<\/li>\n<li>Documented Swiss nexus &mdash; AMLA records, commercial register entry, annual compliance<\/li>\n<\/ul>\n<p><strong>OECD Pillar Two:<\/strong> applies only to groups with revenues exceeding EUR 750M. The vast majority of VOZ clients are entirely outside scope.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"tax\">\n<div class=\"fq-q\">What Swiss social insurances apply when I hire employees?<\/div>\n<div class=\"fq-a\">\n<p>Swiss social insurance is comprehensive and mandatory. Total employer cost per CHF 1 of salary is approximately <strong>CHF 1.15&ndash;1.25<\/strong>.<\/p>\n<p><strong>Mandatory contributions:<\/strong><\/p>\n<ul>\n<li><strong>AHV\/IV\/EO:<\/strong> total 10.6% &mdash; employer 5.3%, employee 5.3%<\/li>\n<li><strong>ALV (unemployment):<\/strong> total 2.2% &mdash; employer 1.1%, employee 1.1%<\/li>\n<li><strong>SUVA (accident insurance):<\/strong> typically 1&ndash;3%, employer pays<\/li>\n<li><strong>BVG (occupational pension):<\/strong> mandatory if annual salary exceeds CHF 22,050 &mdash; typically 12&ndash;20% total<\/li>\n<\/ul>\n<p>Register with the cantonal AHV compensation fund in Zug before first payroll. VOZ Accounting handles this as part of setup.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/accounting\/\">Swiss accounting service &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"tax\">\n<div class=\"fq-q\">What is the Swiss patent box and who qualifies?<\/div>\n<div class=\"fq-a\">\n<p>The Swiss patent box is a <strong>cantonal tax incentive<\/strong> reducing tax on qualifying IP income. Canton Zug offers one of Switzerland&apos;s most attractive implementations.<\/p>\n<p><strong>Canton Zug patent box:<\/strong> up to 90% reduction on the cantonal portion for qualifying IP income. Effective cantonal rate on qualifying income: ~0.27% vs 2.7% standard. Combined effective rate: roughly 8.5&ndash;9% vs 11.9% standard.<\/p>\n<p><strong>Qualifying income:<\/strong> licensing revenue, royalties, embedded IP in product sales.<\/p>\n<p><strong>Qualifying IP:<\/strong> patents registered in Switzerland or comparable foreign rights (EU patents, US patents). Additionally, Canton Zug allows a <strong>150% R&amp;D deduction<\/strong> on qualifying expenditure for cantonal tax purposes.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"tax\">\n<div class=\"fq-q\">Do I need to register for VAT if I have no Swiss clients?<\/div>\n<div class=\"fq-a\">\n<p>Not necessarily &mdash; and this surprises many international founders. Swiss VAT registration is mandatory once <strong>worldwide taxable turnover exceeds CHF 100,000\/year<\/strong>, regardless of where clients are located. However, services to foreign clients are generally treated as export at <strong>0% Swiss VAT<\/strong>.<\/p>\n<p><strong>Practical implication:<\/strong> if your Swiss GmbH invoices only international clients, all revenue may be zero-rated for Swiss VAT purposes. You would still need to register once you exceed CHF 100,000, but your effective VAT liability could be CHF 0.<\/p>\n<p><strong>Voluntary registration below CHF 100,000:<\/strong> sometimes beneficial if you incur significant Swiss input costs. Most early-stage VOZ clients do not benefit from voluntary registration.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/voz-ai-assistant\/\">Ask VOZ AI about VAT &rarr;<\/a><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- CAT 6 \u2014 BILLING --><\/p>\n<div class=\"fq-category\" data-cat=\"billing\">\n<div class=\"fq-cat-header voz-anim\">\n<div class=\"fq-cat-icon\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#2563EB\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"12\" y1=\"1\" x2=\"12\" y2=\"23\"\/><path d=\"M17 5H9.5a3.5 3.5 0 100 7h5a3.5 3.5 0 110 7H6\"\/><\/svg><\/div>\n<div>\n<div class=\"fq-cat-name\">Billing &amp; Payments<\/div>\n<div class=\"fq-cat-count\">6 questions<\/div>\n<\/div><\/div>\n<div class=\"fq-items\">\n<div class=\"fq-item\" data-cat=\"billing\">\n<div class=\"fq-q\">What payment methods do you accept?<\/div>\n<div class=\"fq-a\">\n<p>All payments processed via <strong>Stripe<\/strong> &mdash; PCI-DSS Level 1 certified.<\/p>\n<ul>\n<li>Visa, Mastercard, American Express<\/li>\n<li>SEPA direct debit (European bank accounts)<\/li>\n<li>Swiss bank transfer (CHF)<\/li>\n<li>Apple Pay, Google Pay<\/li>\n<\/ul>\n<p>All transactions billed in <strong>CHF<\/strong>. Stripe handles currency conversion if your card is in EUR or USD. VOZ charges no additional currency conversion fees. VOZ never stores card details &mdash; all payment data handled exclusively by Stripe with 256-bit SSL encryption.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/payment-security\/\">Payment security &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"billing\">\n<div class=\"fq-q\">Is there a contract lock-in period?<\/div>\n<div class=\"fq-a\">\n<p><strong>No.<\/strong> All VOZ services are subscription-based with <strong>no minimum contract period<\/strong>. Cancel anytime from your dashboard with 30 days notice. No penalties, no cancellation fees, no administrative charges.<\/p>\n<p><strong>Exception &mdash; Swiss Director service:<\/strong> 60 days notice recommended to allow proper director transition and commercial register update. This is a legal requirement, not a commercial constraint.<\/p>\n<p>You are never trapped. If you relocate to Switzerland, dissolve your company, or switch providers &mdash; we make the process straightforward.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"billing\">\n<div class=\"fq-q\">What is your refund policy?<\/div>\n<div class=\"fq-a\">\n<p><strong>30-day money-back guarantee<\/strong> on all plans, unconditionally. No questions asked, no reason required.<\/p>\n<p>After the 30-day period: prepaid months non-refundable; annual plans: pro-rata refund for unused months if cancelled after first 30 days; one-time setup fees (CHF 99 for Voice plans): non-refundable after service is configured; formation fees: non-refundable once notary process has commenced.<\/p>\n<p>If for any reason the service does not meet your expectations in the first 30 days, we refund in full.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/refund-policy\/\">Full refund policy &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"billing\">\n<div class=\"fq-q\">Do you bill in CHF or EUR\/USD?<\/div>\n<div class=\"fq-a\">\n<p>All VOZ prices are in <strong>Swiss Francs (CHF)<\/strong> &mdash; regardless of your country of residence, card currency, or where your company operates.<\/p>\n<p>If you pay with a EUR or USD card, your card issuer converts at the prevailing interbank rate. Stripe shows you the exact CHF amount before confirming payment.<\/p>\n<p><strong>Direct CHF bank transfer<\/strong> is available for clients who prefer to pay from a Swiss or international account. VOZ charges no additional currency conversion fees or international payment surcharges.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"billing\">\n<div class=\"fq-q\">Are there any hidden fees?<\/div>\n<div class=\"fq-a\">\n<p><strong>No.<\/strong> Our pricing is structured as: monthly\/annual subscription (stated clearly per plan), one-time setup fee (CHF 59 domiciliation, CHF 99 Voice plans, CHF 0 Vault\/Docs\/AI), and third-party pass-through costs stated at cost with zero markup (CHF 550 Commercial Register fee, CHF 3,000\/year director).<\/p>\n<p>If an unexpected third-party cost arises, you are notified <strong>in advance and in writing<\/strong> before any charge is made. You will never receive an invoice that surprises you.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/pricing\/\">Full pricing page &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"billing\">\n<div class=\"fq-q\">What does the CHF 99 one-time setup fee cover?<\/div>\n<div class=\"fq-a\">\n<p>The <strong>CHF 99 setup fee applies exclusively to VOZ Voice plans<\/strong>. It covers: AI training on your business (website, services, FAQ, pricing), Swiss +41 number provisioning (Twilio Switzerland), dashboard setup and integration, QA testing (we call your number and test multiple scenarios before handover), and onboarding documentation.<\/p>\n<p><strong>One-time only<\/strong> &mdash; not charged on renewal.<\/p>\n<p><strong>VOZ Vault, Docs, AI:<\/strong> CHF 0 setup fees. Activate and use immediately from your dashboard.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/voz-voice\/\">VOZ Voice details &rarr;<\/a><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- CAT 7 \u2014 LEGAL --><\/p>\n<div class=\"fq-category\" data-cat=\"legal\">\n<div class=\"fq-cat-header voz-anim\">\n<div class=\"fq-cat-icon\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#2563EB\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg><\/div>\n<div>\n<div class=\"fq-cat-name\">Legal &amp; Compliance<\/div>\n<div class=\"fq-cat-count\">8 questions<\/div>\n<\/div><\/div>\n<div class=\"fq-items\">\n<div class=\"fq-item\" data-cat=\"legal\">\n<div class=\"fq-q\">Is Virtual Office Zug GDPR \/ nLPD compliant?<\/div>\n<div class=\"fq-a\">\n<p>Yes &mdash; fully compliant with both frameworks: <strong>Swiss nDSG<\/strong> (Federal Act on Data Protection, in force 1 September 2023) and <strong>EU GDPR<\/strong> where applicable to EU residents.<\/p>\n<p><strong>Key compliance measures:<\/strong> all data hosted exclusively in Switzerland (Infomaniak) &mdash; no US CLOUD Act jurisdiction; data retention limited to legal requirements; right to erasure and data export available; zero data sold or shared with third parties.<\/p>\n<p><strong>VOZ Vault:<\/strong> zero-knowledge architecture &mdash; we cannot read your documents even if compelled by a court order, because we do not hold the decryption keys.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/privacy-policy\/\">Privacy Policy &rarr;<\/a> <a href=\"\/security\/\">Security details &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"legal\">\n<div class=\"fq-q\">Where is my data stored?<\/div>\n<div class=\"fq-a\">\n<p>Exclusively on <strong>Infomaniak servers in Switzerland<\/strong> &mdash; Geneva and Lausanne data centres. ISO 27001 certified, 100% renewable energy, triple data redundancy, 99.9% uptime SLA, Swiss nLPD and EU GDPR compliant.<\/p>\n<p><strong>No data is stored or processed in:<\/strong> the United States (no CLOUD Act exposure), any EU jurisdiction, or Hong Kong.<\/p>\n<p><strong>VOZ Vault:<\/strong> zero-knowledge encrypted. Servers store only encrypted ciphertext &mdash; not even we can read your vault contents.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/security\/\">Full security page &rarr;<\/a><\/div>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"legal\">\n<div class=\"fq-q\">Are you regulated by Swiss authorities?<\/div>\n<div class=\"fq-a\">\n<p>We operate as a <strong>domiciliary agent under Art. 119 AMLA\/GwG<\/strong> &mdash; a regulated activity with specific legal obligations.<\/p>\n<p><strong>Our AMLA obligations:<\/strong> KYC verification of all beneficial owners before activation; KYC records maintained for 10 years minimum; annual beneficial owner declaration renewal; FINMA suspicious activity reporting; AML compliance monitoring and screening.<\/p>\n<p>Our Swiss fiduciary partners are additionally regulated by <strong>cantonal fiduciary authorities (Canton Zug)<\/strong> with CHF 1M+ professional liability insurance.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"legal\">\n<div class=\"fq-q\">What does AMLA Art. 119 compliance mean?<\/div>\n<div class=\"fq-a\">\n<p>Art. 119 GwG defines the obligations of domiciliary agents. As a compliant agent, we must:<\/p>\n<ol>\n<li>Verify identity of all beneficial owners before activation<\/li>\n<li>Establish and maintain a shareholder register<\/li>\n<li>Obtain and verify proof of identity for all controllers<\/li>\n<li>Conduct annual renewal of beneficial owner declarations<\/li>\n<li>Report suspicious activity to FINMA (MROS)<\/li>\n<li>Retain all KYC records for 10 years minimum<\/li>\n<li>Cooperate fully with Swiss authorities on lawful requests<\/li>\n<\/ol>\n<p>What this means for you: your onboarding KYC is not bureaucracy &mdash; it is a legal requirement that makes your Swiss address credible to banks and counterparties worldwide.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"legal\">\n<div class=\"fq-q\">What happens if Swiss regulations change?<\/div>\n<div class=\"fq-a\">\n<p>We monitor Swiss regulatory developments continuously via our licensed fiduciary partners and proactively notify clients of changes that affect their structure.<\/p>\n<p><strong>Recent examples:<\/strong> nDSG (September 2023): privacy policies updated automatically; annual KYC renewal: automated reminders sent 30 days in advance; VAT rate change (2024): invoicing updated immediately.<\/p>\n<p>You will never be caught out by a regulatory change we have failed to flag.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"legal\">\n<div class=\"fq-q\">Is my company information public in Switzerland?<\/div>\n<div class=\"fq-a\">\n<p>Switzerland has a <strong>two-tier system<\/strong> of public and private company information.<\/p>\n<p><strong>Public on ZEFIX:<\/strong> company name and legal form, registered address (our VOZ address), directors&apos; names and signing authority, share capital amount, commercial register entry date.<\/p>\n<p><strong>Private &mdash; not public:<\/strong> your personal home address, beneficial owner identity, shareholder percentages, bank details, financial results (unless audit required).<\/p>\n<p><strong>GmbH vs AG privacy:<\/strong> for GmbH, shareholder names are listed in the register. For AG, shareholders are entirely private. A primary reason many founders choose AG when privacy is a priority.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"legal\">\n<div class=\"fq-q\">What is the Handelsregister (ZEFIX)?<\/div>\n<div class=\"fq-a\">\n<p>The <strong>Handelsregister<\/strong> is Switzerland&apos;s official register of all commercial entities. <strong>ZEFIX (zefix.ch)<\/strong> provides free public access to all cantonal registers in one place.<\/p>\n<p>You can: search any company by name, CHE number, or location; view full registration details; download PDF extracts (Handelsregisterauszug); track historical changes (mutations); verify director identities and signing authority.<\/p>\n<p>Your company appears on ZEFIX within <strong>5&ndash;10 business days<\/strong> of commercial register entry. Your VOZ address and our director appear correctly from day one.<\/p>\n<\/div><\/div>\n<div class=\"fq-item\" data-cat=\"legal\">\n<div class=\"fq-q\">Can VOZ help with FINMA compliance for crypto projects?<\/div>\n<div class=\"fq-a\">\n<p>VOZ provides the <strong>structural foundation<\/strong> FINMA compliance requires &mdash; but we do not provide FINMA regulatory legal advice directly.<\/p>\n<p><strong>What VOZ provides:<\/strong> FINMA-compatible registered structure (Swiss AG or GmbH), commercial register entry accepted by Swiss regulators, AMLA\/KYC documentation meeting FINMA standards, licensed Swiss director familiar with DLT regulatory environment, Zug City address &mdash; recognized as Crypto Valley globally.<\/p>\n<p><strong>Requires a licensed Swiss attorney:<\/strong> FINMA licensing applications, no-action letter requests, token classification analysis, ICO\/STO structuring.<\/p>\n<p>We can refer you to qualified Swiss FINMA lawyers in Zug who work with our clients regularly.<\/p>\n<div class=\"fq-link-row\"><a href=\"\/for-crypto-companies\/\">VOZ for crypto &rarr;<\/a><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n     CAT 8 \u2014 VOZ VOICE\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 --><\/p>\n<div class=\"fq-category\"\n  data-cat=\"voice\"><\/p>\n<div class=\"fq-cat-header voz-anim\">\n<div class=\"fq-cat-icon\">\u25c9<\/div>\n<div>\n<div class=\"fq-cat-name\">\n        VOZ Voice\n      <\/div>\n<div class=\"fq-cat-count\">\n        6 questions\n      <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-items\">\n<div class=\"fq-item\"\n      data-cat=\"voice\"><\/p>\n<div class=\"fq-q\">\n        How does VOZ Voice work<br \/>\n        technically?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          VOZ Voice combines Swiss<br \/>\n          telephony infrastructure with<br \/>\n          conversational AI and<br \/>\n          human-quality voice synthesis.\n        <\/p>\n<ol>\n<li>You receive a dedicated<br \/>\n            Swiss <strong>+41 number<\/strong><br \/>\n            from Twilio Switzerland<\/li>\n<li>Callers dial your number\n          <\/li>\n<li>AI answers within 2\u20133 rings<br \/>\n            in the caller&apos;s detected<br \/>\n            language<\/li>\n<li>Natural conversation \u2014<br \/>\n            questions answered,<br \/>\n            appointments booked,<br \/>\n            information captured<\/li>\n<li>Call logged, transcribed,<br \/>\n            and summarised automatically\n          <\/li>\n<li>Summary delivered to your<br \/>\n            VOZ dashboard within minutes\n          <\/li>\n<li>If caller requests a human,<br \/>\n            AI transfers instantly with<br \/>\n            a context summary<\/li>\n<\/ol>\n<p>\n          <strong>AI training:<\/strong><br \/>\n          submit your website URL, service<br \/>\n          description, FAQ, and pricing.<br \/>\n          Our team trains the AI on your<br \/>\n          exact business. All call data<br \/>\n          stored in Switzerland<br \/>\n          (Infomaniak) \u2014 zero data<br \/>\n          in the US.\n        <\/p>\n<div class=\"fq-link-row\">\n          <a href=\"\/voz-voice\/\"><br \/>\n            VOZ Voice full overview &rarr;<br \/>\n          <\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"voice\"><\/p>\n<div class=\"fq-q\">\n        What is voice cloning?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          Voice cloning creates a<br \/>\n          <strong>precise digital replica<br \/>\n          of a specific person&apos;s voice<br \/>\n          <\/strong>. Your AI receptionist<br \/>\n          speaks in your exact voice,<br \/>\n          tone, cadence, and warmth \u2014<br \/>\n          not a generic AI voice.\n        <\/p>\n<p><strong>The process:<\/strong><\/p>\n<ol>\n<li>Record 3\u20135 minutes of clear<br \/>\n            audio \u2014 any phone or<br \/>\n            microphone<\/li>\n<li>Submit via secure upload<br \/>\n            to our team<\/li>\n<li>ElevenLabs processes the<br \/>\n            voice model \u2014 24\u201348h<\/li>\n<li>Your AI receptionist speaks<br \/>\n            in your cloned voice from<br \/>\n            the next call onwards<\/li>\n<\/ol>\n<p>\n          The result is<br \/>\n          <strong>indistinguishable<\/strong><br \/>\n          from the original voice in<br \/>\n          standard business conversations.<br \/>\n          Multiple VOZ clients report that<br \/>\n          callers \u2014 including Swiss bank<br \/>\n          compliance officers \u2014 could not<br \/>\n          tell they were speaking to an AI.\n        <\/p>\n<p>\n          Available on<br \/>\n          <strong>Pro and Enterprise plans<br \/>\n          <\/strong>. You can clone your own<br \/>\n          voice, a team member&apos;s, or<br \/>\n          create a custom persona for<br \/>\n          your brand.\n        <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"voice\"><\/p>\n<div class=\"fq-q\">\n        How does language detection work?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          VOZ Voice uses<br \/>\n          <strong>real-time NLP<\/strong><br \/>\n          to detect the caller&apos;s<br \/>\n          language in the first sentence<br \/>\n          and responds immediately.<br \/>\n          No phone menu. No &ldquo;press 1 for<br \/>\n          English.&rdquo; No delay.\n        <\/p>\n<p><strong>Language support<br \/>\n          by plan:<\/strong><\/p>\n<ul>\n<li><strong>Starter:<\/strong><br \/>\n            2 languages \u2014 EN + FR,<br \/>\n            or EN + DE<\/li>\n<li><strong>Pro &amp; Enterprise:<br \/>\n            <\/strong> 4 languages \u2014<br \/>\n            EN, FR, DE, IT \u2014 all<br \/>\n            automatically detected<\/li>\n<\/ul>\n<p>\n          <strong>Mid-call language<br \/>\n          switching<\/strong> supported on<br \/>\n          Pro and Enterprise \u2014 if a caller<br \/>\n          switches from English to French<br \/>\n          mid-conversation, the AI adapts<br \/>\n          seamlessly.\n        <\/p>\n<p>\n          Responses use correct<br \/>\n          <strong>Swiss legal and business<br \/>\n          terminology<\/strong> in each<br \/>\n          language \u2014 not machine<br \/>\n          translation from English.\n        <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"voice\"><\/p>\n<div class=\"fq-q\">\n        What happens to call recordings<br \/>\n        and transcriptions?\n      <\/div>\n<div class=\"fq-a\">\n<p>Every call is automatically:<\/p>\n<ul>\n<li><strong>Recorded<\/strong> \u2014<br \/>\n            full audio retained<\/li>\n<li><strong>Transcribed<\/strong><br \/>\n            \u2014 accurate text version<\/li>\n<li><strong>Summarised<\/strong><br \/>\n            \u2014 AI-generated summary<br \/>\n            including call intent, caller<br \/>\n            name\/company\/number, key<br \/>\n            information, action items,<br \/>\n            callback requests<\/li>\n<li><strong>Delivered<\/strong><br \/>\n            to your dashboard within<br \/>\n            minutes of call completion\n          <\/li>\n<\/ul>\n<p><strong>Data handling:<\/strong>\n        <\/p>\n<ul>\n<li>All data stored in<br \/>\n            Switzerland (Infomaniak)<\/li>\n<li>Retained for subscription<br \/>\n            duration + 30 days after<br \/>\n            cancellation<\/li>\n<li>Exportable at any time<br \/>\n            (CSV, PDF)<\/li>\n<li>Callers informed of recording<br \/>\n            at start of each call \u2014<br \/>\n            required by Swiss law<\/li>\n<\/ul>\n<p>\n          No call data stored in the US,<br \/>\n          EU, or any jurisdiction outside<br \/>\n          Switzerland.\n        <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"voice\"><\/p>\n<div class=\"fq-q\">\n        Can I forward my existing<br \/>\n        phone number to VOZ Voice?\n      <\/div>\n<div class=\"fq-a\">\n<p>Yes \u2014 two options:<\/p>\n<p>\n          <strong>Option 1 \u2014 Use your<br \/>\n          new VOZ +41 number directly:<br \/>\n          <\/strong> publish it on your<br \/>\n          website, contracts,<br \/>\n          Handelsregister, and business<br \/>\n          cards. Most clients prefer this<br \/>\n          \u2014 a Swiss +41 number is<br \/>\n          prestigious and immediately<br \/>\n          recognizable.\n        <\/p>\n<p>\n          <strong>Option 2 \u2014 Forward<br \/>\n          your existing number:<\/strong><br \/>\n          configure call forwarding from<br \/>\n          your existing number (mobile or<br \/>\n          landline, any country) to your<br \/>\n          VOZ +41. Available from all<br \/>\n          Swiss carriers and most<br \/>\n          international carriers.<br \/>\n          Typically set up via:\n        <\/p>\n<ul>\n<li>USSD code on mobile<br \/>\n            (e.g. **21*+41XXXXXXXX#)<\/li>\n<li>Carrier online dashboard\n          <\/li>\n<li>Customer service request\n          <\/li>\n<\/ul>\n<p>\n          No changes required on the VOZ<br \/>\n          side for call forwarding.\n        <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"voice\"><\/p>\n<div class=\"fq-q\">\n        What is the difference between<br \/>\n        Starter, Pro, and Enterprise?\n      <\/div>\n<div class=\"fq-a\">\n<p><strong>Starter<br \/>\n          (CHF 49\/month):<\/strong><\/p>\n<ul>\n<li>200 min\/month<\/li>\n<li>1 Swiss +41 number<\/li>\n<li>2 languages (EN + FR or DE)\n          <\/li>\n<li>Call log in dashboard<\/li>\n<li>Human transfer to 1 number\n          <\/li>\n<li>Initial AI training included\n          <\/li>\n<\/ul>\n<p><strong>Pro<br \/>\n          (CHF 99\/month):<\/strong><\/p>\n<ul>\n<li>500 min\/month<\/li>\n<li>1 number + 1 backup line\n          <\/li>\n<li>4 languages (EN\/FR\/DE\/IT)\n          <\/li>\n<li>Appointment booking<br \/>\n            integration<\/li>\n<li>Caller info captured<br \/>\n            automatically<\/li>\n<li>Transfer to 5 numbers<br \/>\n            with call summary<\/li>\n<li>Monthly AI retraining<\/li>\n<li>Voice cloning available\n          <\/li>\n<\/ul>\n<p><strong>Enterprise<br \/>\n          (CHF 199\/month):<\/strong><\/p>\n<ul>\n<li>1,000 min\/month<\/li>\n<li>2 dedicated +41 numbers\n          <\/li>\n<li>4 languages with mid-call<br \/>\n            switching<\/li>\n<li>Custom AI tone and persona\n          <\/li>\n<li>Transfer to 10 numbers<br \/>\n            with full context<\/li>\n<li>Monthly retraining +<br \/>\n            quarterly voice review<\/li>\n<li>Advanced analytics<\/li>\n<li>Dedicated onboarding<\/li>\n<li>SLA 99.9% uptime<\/li>\n<\/ul>\n<p>\n          All plans: CHF 99 one-time setup,<br \/>\n          CHF 0.15\/min for additional<br \/>\n          minutes, cancel anytime.\n        <\/p>\n<div class=\"fq-link-row\">\n          <a href=\"\/voz-voice\/\"><br \/>\n            VOZ Voice pricing &rarr;<br \/>\n          <\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n     CAT 9 \u2014 DIGITAL TOOLS\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 --><\/p>\n<div class=\"fq-category\"\n  data-cat=\"digital\"><\/p>\n<div class=\"fq-cat-header voz-anim\">\n<div class=\"fq-cat-icon\">&#9672;<\/div>\n<div>\n<div class=\"fq-cat-name\">\n        VOZ Digital Tools\n      <\/div>\n<div class=\"fq-cat-count\">\n        6 questions\n      <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-items\">\n<div class=\"fq-item\"\n      data-cat=\"digital\"><\/p>\n<div class=\"fq-q\">\n        What is the difference between<br \/>\n        VOZ Vault, Docs, and<br \/>\n        AI Assistant?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          Three distinct tools that work<br \/>\n          independently or together as<br \/>\n          a complete Swiss business<br \/>\n          workflow.\n        <\/p>\n<p>\n          <strong>VOZ Vault<br \/>\n          (from CHF 12\/month):<\/strong><br \/>\n          AES-256 zero-knowledge encrypted<br \/>\n          Swiss document storage. Store,<br \/>\n          organise, and share your company<br \/>\n          documents \u2014 articles of<br \/>\n          association, bank certificates,<br \/>\n          KYC files, contracts \u2014 encrypted<br \/>\n          and hosted exclusively in<br \/>\n          Switzerland.\n        <\/p>\n<p>\n          <strong>VOZ Docs<br \/>\n          (from CHF 12\/month):<\/strong><br \/>\n          AI generates Swiss legal documents<br \/>\n          (22 types, 7 languages) from your<br \/>\n          company data. NDAs, board<br \/>\n          resolutions, employment contracts<br \/>\n          \u2014 pre-filled with your CHE number,<br \/>\n          Zug address, and director details.<br \/>\n          Generated in under 30 seconds.\n        <\/p>\n<p>\n          <strong>VOZ AI Assistant<br \/>\n          (from CHF 12\/month):<\/strong><br \/>\n          Swiss law, tax, and compliance<br \/>\n          Q&amp;A. Trained on Swiss CO, OR,<br \/>\n          DBG, FINMA regulations, and<br \/>\n          Canton Zug tax rules. Answers in<br \/>\n          under 10 seconds. 100+ topics,<br \/>\n          4 languages.\n        <\/p>\n<p>\n          <strong>The integrated workflow<br \/>\n          (VOZ Essential \u2014 CHF 29\/month):<br \/>\n          <\/strong> ask the AI &rarr; generate<br \/>\n          the document &rarr; store it encrypted.<br \/>\n          One dashboard, one login,<br \/>\n          one invoice.\n        <\/p>\n<div class=\"fq-link-row\">\n          <a href=\"\/voz-suite\/\"><br \/>\n            VOZ Suite overview &rarr;<br \/>\n          <\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"digital\"><\/p>\n<div class=\"fq-q\">\n        Are VOZ Docs legally binding?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          VOZ Docs generates<br \/>\n          <strong>AI-assisted drafts<br \/>\n          grounded in Swiss legal language<br \/>\n          <\/strong> for your review and<br \/>\n          customisation. Not legal advice \u2014<br \/>\n          but not generic templates either.\n        <\/p>\n<p><strong>What makes them<br \/>\n          professionally useful:<\/strong>\n        <\/p>\n<ul>\n<li>Correct Swiss legal<br \/>\n            terminology and OR\/CO<br \/>\n            provisions<\/li>\n<li>Pre-filled with your company<br \/>\n            data \u2014 no manual entry errors\n          <\/li>\n<li>Updated for current Swiss law<br \/>\n            automatically<\/li>\n<li>22 document types covering<br \/>\n            the most common Swiss<br \/>\n            corporate needs<\/li>\n<\/ul>\n<p><strong>Suitable for use after<br \/>\n          review:<\/strong> NDAs, consulting<br \/>\n          agreements, board resolutions,<br \/>\n          standard employment contracts,<br \/>\n          power of attorney, invoice<br \/>\n          templates, director mandates.\n        <\/p>\n<p><strong>Always involve a Swiss<br \/>\n          attorney for:<\/strong> M&amp;A<br \/>\n          transactions, financing<br \/>\n          agreements, FINMA filings,<br \/>\n          court matters, complex<br \/>\n          restructurings.\n        <\/p>\n<div class=\"fq-link-row\">\n          <a href=\"\/voz-docs\/\"><br \/>\n            VOZ Docs details &rarr;<br \/>\n          <\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"digital\"><\/p>\n<div class=\"fq-q\">\n        What is zero-knowledge encryption<br \/>\n        in VOZ Vault?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          Zero-knowledge means<br \/>\n          <strong>we cannot read your<br \/>\n          files \u2014 even if we wanted to,<br \/>\n          even if a court ordered us to.<br \/>\n          <\/strong>\n        <\/p>\n<ol>\n<li>File encrypted in your<br \/>\n            <strong>browser<\/strong><br \/>\n            before transmission<\/li>\n<li>Encryption key generated<br \/>\n            on your device and never<br \/>\n            sent to our servers<\/li>\n<li>Our servers store only<br \/>\n            <strong>encrypted ciphertext<br \/>\n            <\/strong><\/li>\n<li>Only your device holds<br \/>\n            the decryption key<\/li>\n<\/ol>\n<p><strong>Consequences:<\/strong>\n        <\/p>\n<ul>\n<li>In a data breach, attackers<br \/>\n            see only useless ciphertext\n          <\/li>\n<li>No court order can compel us<br \/>\n            to produce readable files \u2014<br \/>\n            we do not have the keys<\/li>\n<li>Even Infomaniak (our hosting)<br \/>\n            cannot read vault contents\n          <\/li>\n<li>Even VOZ staff cannot read<br \/>\n            vault contents<\/li>\n<\/ul>\n<p>\n          Encryption standard:<br \/>\n          <strong>AES-256<\/strong> \u2014 the<br \/>\n          same used by Swiss banking<br \/>\n          infrastructure.\n        <\/p>\n<div class=\"fq-link-row\">\n          <a href=\"\/voz-vault\/\"><br \/>\n            VOZ Vault details &rarr;<br \/>\n          <\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"digital\"><\/p>\n<div class=\"fq-q\">\n        Can I share VOZ Vault documents<br \/>\n        with my lawyer or fiduciary?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          Yes \u2014 one of the most used<br \/>\n          features by VOZ clients.\n        <\/p>\n<p>\n          <strong>Time-limited secure<br \/>\n          links:<\/strong> generate a<br \/>\n          shareable link with a specific<br \/>\n          expiry (e.g. 7 days, 30 days).<br \/>\n          Your lawyer accesses without<br \/>\n          creating a VOZ account.<br \/>\n          Links expire automatically<br \/>\n          and can be revoked anytime.\n        <\/p>\n<p>\n          <strong>Fiduciary read-only<br \/>\n          access (Pro and Business):<\/strong><br \/>\n          grant your fiduciary permanent<br \/>\n          read-only access to specific<br \/>\n          folders \u2014 they review your<br \/>\n          board minutes, contracts, and<br \/>\n          compliance documents without<br \/>\n          emailing attachments.\n        <\/p>\n<p>\n          External access is<br \/>\n          <strong>read-only by default<br \/>\n          <\/strong> \u2014 your fiduciary<br \/>\n          cannot edit, delete, or download<br \/>\n          files unless you specifically<br \/>\n          grant permissions.\n        <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"digital\"><\/p>\n<div class=\"fq-q\">\n        What is VOZ AI Assistant trained<br \/>\n        on \u2014 is it just ChatGPT?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          <strong>Not generic ChatGPT.<br \/>\n          <\/strong> VOZ AI is a specialised<br \/>\n          Swiss legal intelligence layer<br \/>\n          trained specifically on:\n        <\/p>\n<ul>\n<li>Swiss Code of Obligations<br \/>\n            (OR\/CO) \u2014 GmbH, AG, contracts,<br \/>\n            corporate governance<\/li>\n<li>Federal Direct Tax Act (DBG)\n          <\/li>\n<li>VAT Act (MWSTG)<\/li>\n<li>AMLA\/GwG \u2014 compliance<br \/>\n            obligations<\/li>\n<li>FINMA regulations \u2014 DLT,<br \/>\n            crypto, financial services\n          <\/li>\n<li>Canton Zug tax rules \u2014<br \/>\n            municipal multipliers,<br \/>\n            holding privilege<\/li>\n<li>100+ Swiss DTAs<\/li>\n<li>Swiss commercial register<br \/>\n            requirements<\/li>\n<\/ul>\n<p>\n          <strong>Context-aware:<\/strong><br \/>\n          connected to your VOZ account.<br \/>\n          Knows your company type,<br \/>\n          commune, director setup.<br \/>\n          Answers tailored to your<br \/>\n          specific structure.\n        <\/p>\n<p>\n          <strong>Honest limitations:<br \/>\n          <\/strong> not a licensed Swiss<br \/>\n          attorney. Does not provide<br \/>\n          binding legal advice. Answers<br \/>\n          90% of typical Swiss business<br \/>\n          questions and tells you when<br \/>\n          the remaining 10% need<br \/>\n          a professional.\n        <\/p>\n<div class=\"fq-link-row\">\n          <a href=\"\/voz-ai-assistant\/\"><br \/>\n            VOZ AI Assistant &rarr;<br \/>\n          <\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"digital\"><\/p>\n<div class=\"fq-q\">\n        Do VOZ digital tools work without<br \/>\n        a VOZ domiciliation?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          Yes \u2014 Voice, Vault, Docs, and<br \/>\n          AI Assistant are available as<br \/>\n          <strong>standalone subscriptions<br \/>\n          <\/strong>, independent of<br \/>\n          domiciliation.\n        <\/p>\n<p>\n          However, clients with VOZ<br \/>\n          domiciliation benefit from<br \/>\n          deeper integration:\n        <\/p>\n<ul>\n<li><strong>Voice:<\/strong><br \/>\n            auto-trained with your Zug<br \/>\n            address details<\/li>\n<li><strong>Vault:<\/strong><br \/>\n            receives mail scans<br \/>\n            automatically<\/li>\n<li><strong>Docs:<\/strong><br \/>\n            auto-filled with your<br \/>\n            CHE number, Zug address,<br \/>\n            and director details<\/li>\n<li><strong>AI:<\/strong> knows<br \/>\n            your specific canton, company<br \/>\n            structure, and director setup\n          <\/li>\n<\/ul>\n<div class=\"fq-link-row\">\n          <a href=\"\/voz-suite\/\"><br \/>\n            VOZ Suite overview &rarr;<br \/>\n          <\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n     CAT 10 \u2014 GETTING STARTED\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 --><\/p>\n<div class=\"fq-category\"\n  data-cat=\"started\"><\/p>\n<div class=\"fq-cat-header voz-anim\">\n<div class=\"fq-cat-icon\">&rarr;<\/div>\n<div>\n<div class=\"fq-cat-name\">\n        Getting Started\n      <\/div>\n<div class=\"fq-cat-count\">\n        6 questions\n      <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-items\">\n<div class=\"fq-item\"\n      data-cat=\"started\"><\/p>\n<div class=\"fq-q\">\n        What is the fastest way to get<br \/>\n        started with VOZ?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          <strong>5 steps. 15 minutes<br \/>\n          of your time. 48 hours<br \/>\n          to activation.<\/strong>\n        <\/p>\n<ol>\n<li>Go to<br \/>\n            <a href=\"\/pricing\/\"><br \/>\n              \/pricing\/<br \/>\n            <\/a><br \/>\n            \u2014 choose your plan<br \/>\n            (from CHF 99\/month)<\/li>\n<li>Complete the online form \u2014<br \/>\n            company name, type, commune.<br \/>\n            5 minutes.<\/li>\n<li>Submit KYC documents \u2014<br \/>\n            passport and proof of address.<br \/>\n            5 minutes via secure upload.\n          <\/li>\n<li>Team verification \u2014 within<br \/>\n            24 business hours<\/li>\n<li>Address certificate delivered<br \/>\n            by email \u2014 immediately usable<br \/>\n            for commercial register,<br \/>\n            banking, and correspondence\n          <\/li>\n<\/ol>\n<p>\n          For company formation: select<br \/>\n          GmbH\/AG option at checkout<br \/>\n          (CHF 149 + CHF 20,000 share<br \/>\n          capital). Full company operational<br \/>\n          in approximately 3 weeks.\n        <\/p>\n<p>\n          Not sure which service you need?<br \/>\n          Book a free 15-minute call.\n        <\/p>\n<div class=\"fq-link-row\">\n          <a href=\"\/pricing\/\"\n            class=\"fq-cta-link\"><br \/>\n            Get started now &rarr;<br \/>\n          <\/a><br \/>\n          <a href=\"\/free-consultation\/\"><br \/>\n            Free consultation &rarr;<br \/>\n          <\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"started\"><\/p>\n<div class=\"fq-q\">\n        What documents do I need<br \/>\n        to get started?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          <strong>For domiciliation only<br \/>\n          (quickest path):<\/strong>\n        <\/p>\n<ul>\n<li>Valid passport or national<br \/>\n            ID of all beneficial owners\n          <\/li>\n<li>Basic company information<br \/>\n            via online form (5 minutes)\n          <\/li>\n<\/ul>\n<p>\n          <strong>For company formation<br \/>\n          (GmbH or AG):<\/strong>\n        <\/p>\n<ul>\n<li>Passport\/ID of all<br \/>\n            shareholders and directors\n          <\/li>\n<li>Proof of residential address<br \/>\n            (utility bill or bank<br \/>\n            statement, max 3 months old)\n          <\/li>\n<li>Three company name choices<br \/>\n            in order of preference<\/li>\n<li>Share distribution plan<br \/>\n            (who owns what percentage)\n          <\/li>\n<li>Business description<br \/>\n            (2\u20133 paragraphs, any language)\n          <\/li>\n<li>Source of funds declaration<br \/>\n            for the CHF 20,000<br \/>\n            share capital<\/li>\n<\/ul>\n<p>\n          All documents submitted via<br \/>\n          our <strong>secure encrypted<br \/>\n          upload portal<\/strong> \u2014 never<br \/>\n          by email. Processed and deleted<br \/>\n          after KYC verification.\n        <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"started\"><\/p>\n<div class=\"fq-q\">\n        Can I start with just the address<br \/>\n        and add services later?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          Yes \u2014 and this is the<br \/>\n          <strong>most common path<\/strong><br \/>\n          for VOZ clients.\n        <\/p>\n<ol>\n<li><strong>Step 1 \u2014 Address<br \/>\n            only (CHF 99\/month):<\/strong><br \/>\n            activate your Zug address,<br \/>\n            start receiving mail, use it<br \/>\n            for commercial register<br \/>\n            applications<\/li>\n<li><strong>Step 2 \u2014 Swiss<br \/>\n            Director (CHF 3,000\/year):<br \/>\n            <\/strong> add when ready to<br \/>\n            incorporate or required for<br \/>\n            a bank account<\/li>\n<li><strong>Step 3 \u2014 Digital<br \/>\n            tools (from CHF 12\/month):<br \/>\n            <\/strong> add from dashboard<br \/>\n            at any time. No new KYC.<br \/>\n            Activate in minutes.<\/li>\n<li><strong>Step 4 \u2014 Bundle:<br \/>\n            <\/strong> if 3+ products,<br \/>\n            the bundle saves money vs<br \/>\n            individual subscriptions\n          <\/li>\n<\/ol>\n<p>\n          There is <strong>no obligation<br \/>\n          beyond the address<\/strong>.<br \/>\n          Many clients run successfully<br \/>\n          for years on CHF 99\/month alone.\n        <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"started\"><\/p>\n<div class=\"fq-q\">\n        I already have a Swiss company.<br \/>\n        Can I switch to VOZ?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          Yes \u2014 very common. Many clients<br \/>\n          switch from expensive traditional<br \/>\n          fiduciaries to VOZ.\n        <\/p>\n<ol>\n<li>Sign up for VOZ address<\/li>\n<li>Board resolution authorising<br \/>\n            address change<\/li>\n<li>New domiciliation agreement<br \/>\n            with VOZ<\/li>\n<li>Notarisation \u2014 remote via<br \/>\n            embassy or apostille<\/li>\n<li>Commercial register filing \u2014<br \/>\n            5\u201310 business days<\/li>\n<li>ZEFIX update \u2014 new Zug<br \/>\n            address appears publicly\n          <\/li>\n<li>Notify your bank with<br \/>\n            updated register extract\n          <\/li>\n<\/ol>\n<p>\n          <strong>Cost:<\/strong> same<br \/>\n          commune = free. Different commune<br \/>\n          or changing canton = CHF 589<br \/>\n          (document preparation +<br \/>\n          notarial deed included).\n        <\/p>\n<p>\n          If switching from Zurich (~19.7%)<br \/>\n          to Zug (~11.9%), the tax saving<br \/>\n          often pays back the switching<br \/>\n          cost within <strong>4\u20136<br \/>\n          months<\/strong>.\n        <\/p>\n<div class=\"fq-link-row\">\n          <a href=\"\/domiciliation\/\"><br \/>\n            Address transfer service &rarr;<br \/>\n          <\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"started\"><\/p>\n<div class=\"fq-q\">\n        What is the difference between<br \/>\n        VOZ and a traditional<br \/>\n        Swiss fiduciary?\n      <\/div>\n<div class=\"fq-a\">\n<p>\n          Both satisfy the same Swiss legal<br \/>\n          requirements. The difference is<br \/>\n          in price, language, speed,<br \/>\n          transparency, and digital<br \/>\n          capability.\n        <\/p>\n<p><strong>Traditional Swiss<br \/>\n          fiduciary:<\/strong><\/p>\n<ul>\n<li>CHF 200\u2013800\/month for<br \/>\n            domiciliation<\/li>\n<li>German or French-first<\/li>\n<li>12-month minimum contracts\n          <\/li>\n<li>Manual, paper-based processes\n          <\/li>\n<li>No digital dashboard<\/li>\n<li>No AI tools<\/li>\n<li>3\u20135 day response time<\/li>\n<\/ul>\n<p><strong>Virtual Office Zug:<br \/>\n          <\/strong><\/p>\n<ul>\n<li>CHF 99\/month<\/li>\n<li>English-first (+ FR\/DE\/IT)\n          <\/li>\n<li>No minimum contract<\/li>\n<li>100% digital dashboard<\/li>\n<li>30-day money-back guarantee\n          <\/li>\n<li>AI tools integrated<\/li>\n<li>4h average response time\n          <\/li>\n<li>48h activation<\/li>\n<\/ul>\n<p>\n          Both use the same licensed Swiss<br \/>\n          fiduciaries for regulated<br \/>\n          components (director,<br \/>\n          incorporation). VOZ has engineered<br \/>\n          the non-regulated components<br \/>\n          at a fraction of the<br \/>\n          traditional cost.\n        <\/p>\n<div class=\"fq-link-row\">\n          <a href=\"\/domiciliation\/\"><br \/>\n            Domiciliation details &rarr;<br \/>\n          <\/a><br \/>\n          <a href=\"\/pricing\/\"><br \/>\n            VOZ pricing &rarr;<br \/>\n          <\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"fq-item\"\n      data-cat=\"started\"><\/p>\n<div class=\"fq-q\">\n        Who should I contact if I have<br \/>\n        a question not answered here?\n      <\/div>\n<div class=\"fq-a\">\n<p>Four options depending on<br \/>\n          your question type:<\/p>\n<p>\n          <strong>1. VOZ AI Assistant<br \/>\n          (fastest \u2014 24\/7):<\/strong><br \/>\n          Swiss law, tax, compliance,<br \/>\n          business questions. From CHF 12\/mo.<br \/>\n          Under 10 seconds per answer.<br \/>\n          Free trial questions included.<br \/>\n          <a href=\"\/voz-ai-assistant\/\"><br \/>\n            Try VOZ AI &rarr;<br \/>\n          <\/a>\n        <\/p>\n<p>\n          <strong>2. Free consultation<br \/>\n          (personal):<\/strong><br \/>\n          15-minute call with our team.<br \/>\n          No commitment. 4h response.<br \/>\n          <a href=\"\/free-consultation\/\"><br \/>\n            Book now &rarr;<br \/>\n          <\/a>\n        <\/p>\n<p>\n          <strong>3. Contact form<br \/>\n          (written):<\/strong><br \/>\n          Mon\u2013Fri 08:00\u201318:00 CET.<br \/>\n          4h response time.<br \/>\n          <a href=\"\/contact\/\">\/contact\/<\/a>\n        <\/p>\n<p>\n          <strong>4. Dashboard support<br \/>\n          (existing clients):<\/strong><br \/>\n          ticket directly from your VOZ<br \/>\n          dashboard. Priority response<br \/>\n          within 2 business hours.\n        <\/p>\n<p>\n          <strong>Urgent matters<\/strong><br \/>\n          (courts, FINMA, tax authority<br \/>\n          deadlines): email<br \/>\n          support@virtual-office-zug.com<br \/>\n          immediately \u2014 escalated outside<br \/>\n          normal response cycles.\n        <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- CTA FINAL --><\/p>\n<div class=\"fq-cta voz-anim\">\n<div class=\"fq-cta-inner\">\n<h2>Still have questions?<\/h2>\n<p>\n      Our team is available<br \/>\n      Monday to Friday 08:00\u201318:00 CET.<br \/>\n      We typically respond within<br \/>\n      4 business hours.\n    <\/p>\n<div class=\"fq-cta-btns\">\n      <a href=\"\/contact\/\"\n        class=\"fq-cta-primary\"><br \/>\n        Contact us &rarr;<br \/>\n      <\/a><br \/>\n      <a href=\"\/free-consultation\/\"\n        class=\"fq-cta-ghost\"><br \/>\n        Book a free 15-min call<br \/>\n      <\/a><br \/>\n      <a href=\"\/voz-ai-assistant\/\"\n        class=\"fq-cta-ghost\"><br \/>\n        Ask VOZ AI \u2014 24\/7<br \/>\n      <\/a>\n    <\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- FAQ JS --><br \/>\n<script>\n(function() {\n'use strict';<\/p>\n<p>\/* ACCORDION *\/\ndocument.querySelectorAll('.fq-item')\n  .forEach(function(item) {\n    var q = item.querySelector('.fq-q');\n    if (!q) return;\n    q.addEventListener('click',\n      function() {\n        var isOpen =\n          item.classList.contains('open');\n        document.querySelectorAll(\n          '.fq-item'\n        ).forEach(function(i) {\n          i.classList.remove('open');\n        });\n        if (!isOpen) {\n          item.classList.add('open');\n          item.scrollIntoView({\n            behavior: 'smooth',\n            block: 'nearest'\n          });\n        }\n      });\n  });<\/p>\n<p>\/* CATEGORY FILTER *\/\ndocument.querySelectorAll('.fq-cat-btn')\n  .forEach(function(btn) {\n    btn.addEventListener('click',\n      function() {\n        var cat = btn.dataset.cat;\n        document.querySelectorAll(\n          '.fq-cat-btn'\n        ).forEach(function(b) {\n          b.classList.remove('active');\n        });\n        btn.classList.add('active');<\/p>\n<p>        if (cat === 'all') {\n          document.querySelectorAll(\n            '.fq-category'\n          ).forEach(function(c) {\n            c.style.display = '';\n          });\n          document.querySelectorAll(\n            '.fq-item'\n          ).forEach(function(i) {\n            i.style.display = '';\n          });\n        } else {\n          document.querySelectorAll(\n            '.fq-category'\n          ).forEach(function(c) {\n            c.style.display =\n              c.dataset.cat === cat\n              ? 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