I have created a SwissPass login account to use in managing my travel for myself and my travel partner. Since I am a tourist, I assume this is referred to as a 'user' account on sbb.ch (see related post by @RomanoSLink opens in new window. ). In the following link, it explains how to purchase Swiss Travel Systems offers (including the Swiss Half Fare Card) for tourists:https://www.sbb.ch/en/help-and-contact/produkte-services/offers-for-tourists.htmlI will be purchasing for each of us (while signed onto my account), Swiss Half Fare Card and tickets (train, boat, mountain excursion, etc).Questions/confirmations that I have are:Is there any reason why my travel partner and I would want separate 'user' accounts?Our Swiss Half Fare Cards and all tickets will show in the‘Tickets & SwissPass’ tile on my 'user' account? Depending on if a ticket is refundable and I decide to cancel it, can I do this via the SBB mobile app or being signed onto the sbb.ch site? And will the refund go back to my credit payment method (credit card)? Any exchanges can also be done this way via the app or sbb.ch site?In the instructions on the web site referenced above, it says to store manually in my account settings our Swiss Half Fare Cards as Half-Fare travelcards (1/2) , which is for Swiss citizens. I assume it does not matter since the half fare policy is the same in both cases?Thanks for your help in confirming my understanding of these items.