Disclaimer

Privacy Policy and Terms of Use 


General

PensExpert AG takes the protection of personal data very seriously. Personal data is any information relating to an identified or identifiable person. It includes for example the individual's name, postal address, telephone/fax number, email address, as well as his or her IP address and the date and time our website is accessed.  
We are compliant with Swiss data protection legislation and all other applicable data protection provisions.  
This document informs you how and for what purpose we use and otherwise process the data you provide. We also provide you with the Terms of Use for our website. In visiting our website, you are deemed to have consented to the Terms of Use.  


Recording of general information during visits to our website 

During a visit to the websites of PensExpert AG, only routine data such as the IP address, date and time of the visit, the websites visited, the amount of data transferred, the website accessing and the identification data of the browsers used are collected. None of the data collected is personal: it is used solely for the purpose of obtaining general statistical information on the use of the websites. This data is neither published by us nor shared with third parties without authorisation. 


Cookies

We may use cookies and similar techniques on our websites to identify your browser or device. A cookie is a small file automatically sent to and stored on your computer or mobile device by the web browser you use when you visit our websites. It enables us to recognise your browser/device when you return to our websites, even if we do not know who you are personally. Alongside "session cookies", which are only used during a session and are deleted after your visit to our website, "permanent cookies" can also be used to store user settings and other information for a specific period of time, e.g. two years. However, you can set your browser so that it rejects cookies, saves them for one session only, or otherwise deletes them early. Most browsers are preset to accept cookies. Rejecting cookies may hamper functionality of the websites. 


Usage of Google services

Our websites can make use of the Google Analytics web analysis service. The provider is Google Inc., 1600 Amphitheatre Parkway Mountain View, CA 94043, USA. Google Analytics uses cookies. The information generated by the cookies about your use of the websites is usually transmitted to and stored on a Google server in the USA. For more information on how Google Analytics uses user data, please see Google's privacy policy:
https://support.google.com/analytics/answer/6004245?hl.de


Contact form

You can get in touch with PensExpert AG using the contact form. We store and process the data provided by you exclusively where required for the purpose [of sending the newsletter or] of answering your enquiry. 


Information concerning our services 

If you avail yourself of a service provided by PensExpert AG, we also store and process your data, in particular personal, pension fund and financial data. We only collect data that are specifically required for the performance of the service ordered from us and also only for this purpose.  


Disclosure of personal data to third parties 

If necessary or helpful [in relation to registration for or the dispatch of the newsletter or] in relation to process your enquiry, we may share your data with a company affiliated with PensExpert AG or an external service provider. They are obliged to process the data exclusively on our behalf and in accordance with our instructions, and must observe the applicable statutory provisions. Data are disclosed to public authorities and government agencies only where required by law, such as in accordance with or in response to a court order or other mandatory order issued by prosecution authorities.  


Data security 

We take technical and organisational precautions to protect your personal data from accidental or intentional manipulation, loss or destruction, and from access by unauthorised persons. We continuously improve these precautions in line with technological developments. Nevertheless, internet-based data transmission can be vulnerable – absolute protection cannot be guaranteed. 


Data processing for a specified purpose

We shall store your data only for as long as is necessary to meet the purpose for which you have provided us with them or to comply with retention requirements under the law.  


Your rights

You can request confirmation or information about how we process your data at any time. You are also entitled to demand the rectification, completion, erasure or restriction of the processing of your data, as well as to transmission of the data in a structured, commonly used and machine-readable format, provided that the processing of your data by us is not necessary for the fulfilment of the respective purpose and no statutory retention period applies. Furthermore, you may, at any time, object to the processing of your data and revoke your consent to data processing. If you wish to make use of one or more of these rights, you should contact our data protection officer. 


Disclaimer

We shall not incur any liability for losses caused by the usage or failure to use the information provided on our website or the usage of any information on our website that is incorrect or incomplete. 


Our website contains links to third-party websites. We do not have any knowledge of their exact contents and cannot exert any influence over them. We do not accept any liability for the content of external links.  


Copyright

The text and graphics on our website are protected by copyright. They may only be used by third parties with the express approval of PensExpert AG.  


Contact

The controller for data protection purposes is PensExpert AG, Kauffmannweg 16, 6003 Lucerne (Switzerland). 
Please contact our data protection officer directly if you have any questions relating to data protection or if you suspect or are aware of any data protection violations: marketing@pens-expert.ch.  


Validity of the Privacy Policy and Terms of Use

We may amend or update this Privacy Policy and the Terms of Use at any time (November 2019 version).