Frequently asked questions

Navinua helps you understand your money in Switzerland. You answer four questions and get a first result. You add more detail only when you want a firmer answer.

No. Navinua provides educational financial planning support, not regulated financial advice under the Swiss Financial Services Act (FinSA). Every output makes this clear, and we never recommend a specific product, fund or provider. For regulated advice you can add an Expert Review or Walkthrough with a qualified Swiss professional.

No. You can open any module directly. Each module asks only for the facts it still needs and reuses what you have already given.

Yes. Four questions give you your monthly position, the cash you can reach, what we can and cannot assess yet, and one next step. There is no overall score. No card required.

The Wealth Clarity Check is free. Paid modules are one-time payments: CHF 39 (Enhanced Wealth Check), or CHF 99 each (Investment Readiness, Pension Gap Analysis, Property Readiness Check). There is no subscription required.

Yes. Each module purchase includes 12 months of access. During that time, you can edit your inputs and regenerate your report as often as needed.

Your completed report remains available in your dashboard. To edit the module or generate a new result, you can purchase a new module access at the standard price.

In your dashboard, under Completed modules. No expiry — your report is always there to view and download.

No. Module access is linked to your account and may not be shared or resold.

A 30-minute call with a financial expert who takes you through your completed report, answers your questions, and helps you decide on next steps.

No. Your report is the complete output. The call is about understanding it and deciding what to do next.

Once you have completed a module and your report is ready. You'll see the booking option in your dashboard next to each completed module.

We aim to respond within 24 hours to schedule your call.

Yes. Your data is isolated per account with database-level row-level security, all access is audited, and reports are stored privately. We never sell your data or use it for advertising.

You, and anyone you choose to give access. If you join a household, other members see only what you choose to share under "Sharing with your household". An expert sees a relevant snapshot only when you explicitly request an Expert Review or Walkthrough. See our Privacy Policy for the full detail.

Your data is held in our managed database and processed only to deliver the service you requested. Full details, including our processors, are listed in the Privacy Policy.