The Responsible contact point in terms of the data protection laws (the EU General Data Protection Regulation (GDPR), California (CCPA), and Swiss Data regulations (CH-DSG)) is:
Schatzmann Coaching & Beratungen
Europaallee 41, CH-8004 Zürich, Switzerland
+41 81 710 00 18
General note
Based on Article 13 of the Swiss Federal Constitution and the data protection provisions of the Swiss Confederation (Data Protection Act, DSG), every person is entitled to the protection of their privacy and security against the misuse of their personal data. The operators of these pages take the safety of your personal data very seriously. We treat your personal data confidentially according to the legal data protection regulations and this privacy policy.
We regularly delete data that is no longer used as early as possible. We do not use Google API’s or fonts. We only link our profiles. We refrain from using so-called plugins wherever possible and focus on more security and data protection. Only professionally maintained plugins are used. Nevertheless, the disclaimers and provisions listed in this privacy policy apply. The new Google Analytics 4 is not used on www.schatzmannlaw.ch; www.stirnrunzler.com; www.frowner.blog, www.conversationalabstracts.com. Again, the information provided is, in some cases, not in use.
In cooperation with our hosting providers, we make every effort to protect the databases against unauthorised access, loss, abuse or forgery.
Internet data transmission (e.g., e-mail communication) can have security gaps. Complete protection of data against access by third parties is not possible.
Using this website, you agree to data collection, processing and use per the following description. This website can be visited without registration. Data such as called-up pages or the name of the called-up file, date and time are stored on the server for statistical purposes without these data being directly related to you. Personal data, in particular name, address or e-mail address, are collected voluntarily as far as possible. The data will not be passed on to third parties without your consent.
Online marketing and advertising links
Affiliate links/Advertising links
The links marked with an asterisk (*) are so-called affiliate links. If you click on an affiliate link and purchase via this link, I will receive a commission from the respective online shop or provider. The price does not change for you.
Processing of personal data
Personal data is all information that relates to an identified or identifiable person. A data subject is a person about whom personal data is processed. Processing includes handling personal data, irrespective of the means and procedures used, particularly the storage, disclosure, procurement, deletion, storage, modification, destruction and use of personal data.
We process personal data under Swiss data protection law. In addition, we process personal data – insofar as and to the extent that the EU GDPR is applicable – by the following legal principles in connection with Art. 6 Para. 1 GDPR:
- Item a) Processing personal data with the data subject’s consent.
- Item b) Processing personal data to fulfil a contract with the data subject and to carry out appropriate pre-contractual measures.
- Item c) Processing personal data to fulfil a legal obligation to which we are subject under any applicable law of the EU or any applicable statute of a country in which the DPA is relevant in whole or in part.
- Item d) Processing of personal data to protect the vital interests of the data subject or another natural person.
- Item f) Processing of personal data to safeguard the legitimate interests of third parties or us, except where such interests are overridden by the fundamental freedoms and rights and interests of the data subject. Legitimate interests are, in particular, our commercial interest in being able to provide our website, information security, the enforcement of our own legal claims and compliance with Swiss law.
We process personal data for the duration necessary for individual purpose or purposes. Regarding longer-term storage obligations due to legal and other commitments we are subject to, we will limit the processing accordingly.
Privacy policy for cookies
This website uses cookies. These small text files make it possible to store specific information relating to the user on the user’s terminal device while using the website. Cookies make it possible, in particular, to determine the frequency of use and the number of users of the pages, to analyse the behaviour of page users, and to make our offer more customer-friendly. Cookies remain stored at the end of a browser session and can be retrieved when the user revisits the site. If you do not wish this to happen, you should set your Internet browser to refuse to accept cookies.
A general objection to using cookies for online marketing purposes can be declared for many of the services, especially in the case of tracking, via the US site «aboutads.info/choices« or the EU site «youronlinechoices«. Furthermore, the storage of cookies can be avoided by deactivating them in the browser settings. Please note that not all functions of this online offer can be used.
Privacy policy for SSL/TLS encryption
This website uses SSL/TLS encryption for security and protection of the transmission of confidential content, such as the requests you send to us as the site operator. You can recognise an encrypted connection by the fact that the address line of your browser changes from «http://» to «https://» and by the lock symbol in your browser line.
If SSL or TLS encryption is activated, third parties cannot read the data you transmit to us.
Data transmission security (without SSL)
Please note that data transmitted via an open network such as the Internet or an e-mail service without SSL encryption can be viewed by anyone. You can recognise an unencrypted connection by the fact that the browser’s address line displays «http://» and no lock symbol is displayed in your browser line. Information transmitted via the Internet and content received online may, under certain circumstances, be sent via third-party networks. We cannot guarantee the confidentiality of messages or documents sent via such open networks or third-party networks.
Suppose you disclose personal information over an open network or third-party network. In that case, you should be aware that your data may be lost or that third parties may potentially access this information and, therefore, collect and use the data without your consent. Although the individual data packets are often transmitted in encrypted form, the sender’s and recipient’s names are not. Even if the sender and the recipient live in the same country, data transmission via such networks is often carried out without controls, even via third countries, i.e., via countries that do not offer the same level of data protection as your country of residence. We assume no responsibility for the security of your data during transmission via the Internet and disclaim any liability for direct or indirect losses. We ask you to use other means of communication should you consider this necessary or reasonable for security reasons.
Data may be lost, intercepted, and/or manipulated by unauthorised persons despite extensive technical and organisational security measures. As far as possible, we take appropriate technical and organisational security measures to prevent this within our system. However, your computer is located outside the security area under our control. As a user, you are responsible for informing yourself about security measures and taking appropriate action. As a website operator, we are not liable for any damage you may incur due to data loss or manipulation.
Data you enter in online forms may be passed on to third parties for order processing and may be viewed and processed by them.
Privacy policy for server log files
The provider of this website automatically collects and stores information in so-called server log files, which your browser automatically transmits to us. These are:
- Browser type and version
- Operating system used
- Referrer URL
- Host name of the accessing computer
- Time of the server request
These data cannot be assigned to specific persons. A consolidation of this data with other data sources is not carried out. We reserve the right to check this data if we become aware of concrete indications of illegal use.
Third-party services
This website may use Google Maps for embedding maps, Google Invisible reCAPTCHA for protection against bots and spam and YouTube for embedding videos.
These services of the American Google LLC use cookies, among other things. As a result, data is transferred to Google in the USA, whereby we assume that in this context, no personal tracking takes place solely through our website.
Google is committed to ensuring appropriate data protection following the American-European and the American-Swiss Privacy Shield.
Further information can be found in the privacy policy of Google.
Privacy policy for contact form
If you send us enquiries via the contact form, your details from the enquiry form, including the contact data you provide there, will be stored by us to process the enquiry and in the event of follow-up questions. We will not pass on this data without your consent.
Privacy policy for newsletter data
Suppose you would like to receive the newsletter offered on this website. In that case, we need your e-mail address and information to verify that you own the e-mail address provided and agree to receive the newsletter. Further data will not be collected. We use this data exclusively to send the requested information and do not pass it on to third parties.
You can revoke your consent to the storage of the data, the e-mail address and its use for sending the newsletter at any time, e.g. via the «unsubscribe» link.
Privacy policy for comment function on this website
For the comment function on this website, in addition to your comment, information about the time the statement was created, your e-mail address, and, if you are not posting anonymously, the user name you have chosen is stored.
Storage of the IP address
Our comment function stores the IP addresses of users who post comments. Since we do not check comments on our site before they are activated, we need this data to take action against the author in case of legal violations such as insults or propaganda.
Subscribe to comments
As a site user, you can subscribe to comments after logging in. You will receive a confirmation e-mail to verify that you own the e-mail address you entered. You can unsubscribe from this function via a link in the info mail.
Data protection declaration for the right to information, deletion, and blocking.
You have the right to receive information free of charge at any time about your stored personal data, its origin and recipients and the purpose of data processing, as well as the right to correct, block or delete this data. For this purpose and for further questions regarding personal data, you can contact us at any time at the address in the imprint.
Privacy policy for opposition to promotional e-mails
As a result, we object to using contact data published within the scope of the imprint’s obligation to send advertising and information material not expressly requested. The operators of this website expressly reserve the right to take legal action if unsolicited advertising information is transmitted, for example, by spam e-mails.
Services subject to charges
To provide services subject to a charge, we ask for additional data, such as payment details, to carry out your order. We store this data in our systems until the statutory retention periods have expired.
Use of Google Maps
This website uses Google Maps API to visually display geographical information. When using Google Maps, Google also collects, processes and uses data on the use of the map functions by visitors. You can find more detailed information about data processing by Google in the Google data protection notice. You can also change your personal data protection settings in the data protection centre.
You can find detailed instructions on managing your data with Google products here.
Google AdWords
This website uses Google Conversion Tracking. If you have reached our website via an advertisement placed by Google, Google Adwords will set a cookie on your computer. The conversion tracking cookie is set when a user clicks on an ad served by Google. These cookies expire after 30 days and are not personally identifiable. If the user visits certain pages on our site and the cookie hasn’t expired, Google and we can tell that the user clicked on the ad and was redirected to that page. Each Google AdWords customer receives a different cookie. As a result, cookies cannot be tracked across the websites of AdWords customers. The information collected through the conversion cookie is used to compile conversion statistics for advertisers who have opted into conversion tracking. Customers are told the total number of users who clicked on their ad and were redirected to a page with a conversion tracking tag. However, they do not receive any information that can be used to personally identify users.
Suppose you do not wish to participate in tracking. In that case, you can refuse the necessary cookie setting – for example, by changing your browser settings to generally disable the automatic setting of cookies or to set your browser to block cookies from the domain «googleleadservices.com».
Please note that you cannot delete the opt-out cookies if you do not wish to record measurement data. If you have deleted all your cookies in your browser, you must set the respective opt-out cookie again.
Use of Google Remarketing
This website uses the remarketing function of Google Inc. to present interest-related advertisements to website visitors within the Google advertising network. A so-called «cookie» is stored in the visitor’s browser, which makes it possible to recognise the visitor when they call up websites that belong to the Google advertising network. On these pages, the visitor may be presented with advertisements relating to content that the visitor has previously viewed on websites that use Google’s remarketing function.
According to its information, Google does not collect personal data during this process. If you still do not want Google’s remarketing function, you can deactivate it by setting the appropriate settings at google.com/settings/ads. Alternatively, you can disable cookies for interest-based advertising via the advertising network initiative by following the instructions at networkadvertising.org/managing.
Use of Google reCAPTCHA
This website uses the service reCAPTCHA of Google Inc. (1600 Amphitheatre Parkway, Mountain View, CA 94043, USA; «Google»). The query aims to distinguish whether the input is made by human or automated machine processing. The question includes sending the IP address and any other data Google requires for the service reCAPTCHA to Google. For this purpose, your input will be sent to Google and used there. However, your IP address will be shortened by Google within member states of the European Union or in other signatory states of the Agreement on the European Economic Area before it is used. Only in exceptional cases will the full IP address be transferred to a Google server in the USA and shortened there. On behalf of the operator of this website, Google will use this information to evaluate your use of this service. The IP address transmitted by your browser in the context of reCaptcha is not combined with other data from Google. Your data may also be transferred to the USA. An adequacy decision of the European Commission, the «Privacy Shield», is in place for data transmissions to the USA. Google participates in the «Privacy Shield» and has submitted the requirements. By clicking on the query, you consent to process your data. The processing is based on Art. 6 (1) item. a GDPR with your consent. You may revoke your consent at any time without affecting the lawfulness of the process based on the consent until revocation.
For more information about Google reCAPTCHA and its privacy policy, please visit google.com/privacy/ads.
Privacy policy for Google Analytics
This website uses Google Analytics, a web analytics service provided by Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA. To deactivate Google Analytics, Google provides a browser plug-in at tools.google.com/dlpage/gaoptout. Google Analytics uses cookies. These small text files make it possible to store specific information relating to the user on the user’s terminal device. These enable Google to analyse the use of our website offer. The data collected by the cookie about using our website (including your IP address) is usually transferred to a Google server in the USA and stored there. We want to point out that on this website, Google Analytics has been extended by the code «gat._anonymizeIp();» to ensure an anonymised recording of IP addresses (so-called IP-Masking). If the anonymisation is active, Google will shorten IP addresses within member states of the European Union or other conditions that are party to the Agreement on the European Economic Area, meaning no conclusions can be drawn about your identity. Only in exceptional cases will the full IP address be transferred to a Google server in the USA and shortened there. Google observes the data protection regulations of the «Privacy Shield» agreement and is registered with the «Privacy Shield» program of the US Department of Commerce. It uses the collected information to evaluate our websites› use, write reports for us in this regard and provide other relevant services to us. You can learn more at support.google.com/analytics/answer.
Privacy policy for Google AdSense
This website uses Google AdSense, a service for integrating advertisements from Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA. Google AdSense uses so-called «cookies», text files stored on your computer and enables an analysis of the use of the website. Google AdSense also uses so-called web beacons (invisible graphics). These web beacons can evaluate information such as visitor traffic on these pages. The information generated by cookies and web beacons about the use of this website (including your IP address) and delivery of advertising formats are transferred to a Google server in the USA and stored there. This information may be passed on by Google to contractual partners of Google. However, Google will not merge your IP address with other data held by you. You may refuse the use of cookies by selecting the appropriate settings on your browser; however, please note that if you do this, you may not be able to use the full functionality of this website. By using this website, you agree to process the data collected about you by Google in the manner and for the purpose described above.
Privacy policy for Google My Business
This website uses social media features from Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA. When you access our pages with Google plug-ins, a connection is established between your browser and Google’s servers. Data is already being transferred to Google in the process. If you have a Google account, this data can be linked to it. If you do not want this data to be connected to your Google account, please log out of Google before visiting our site. Interactions, in particular using a comment function or clicking a «+1» or «share» button, are also passed on to Google. You can find out more at google.de/intl/de/policies/privacy.
Privacy policy for the use of Google Web Fonts
This website uses so-called web fonts provided by Google for the uniform display of fonts. When you call up a page, your browser loads the required web fonts into its browser cache to display texts and fonts correctly. If your browser does not support web fonts, a default font from your computer will be used.
More information about Google Web Fonts can be found at developers.google.com/fonts/faq and in Google’s privacy policy: www.google.com/policies/privacy.
Google Tag Manager
Google Tag Manager is a solution with which we can manage so-called website tags via an interface and thus integrate, e.g. Google Analytics and other Google marketing services, into our online offer. The Tag Manager itself, which implements the tags, does not process any personal data of the users. Regarding processing users› personal data, we refer to the following information on Google services. Terms of use: google.com/intl/de/tagmanager/use-policy.
Privacy policy for Facebook
This website uses features from Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA. When you access our pages with Facebook plug-ins, a connection is established between your browser and the Facebook servers. Data is already being transferred to Facebook in the process. If you have a Facebook account, this data can be linked to it. If you do not want this data to be connected to your Facebook account, please log out of Facebook before visiting our site. Interactions, in particular, using a comment function or clicking a «Like» or «Share» button, are also passed on to Facebook. You can find out more at facebook.com/about/privacy.
Privacy policy for Twitter
This website uses features from Twitter, Inc., 1355 Market St, Suite 900, San Francisco, CA 94103, USA. When you access our pages with Twitter plug-ins, a connection is established between your browser and the servers of Twitter. Data is already being transferred to Twitter. If you have a Twitter account, this data can be linked to it. If you do not want this data to be connected to your Twitter account, please log out of Twitter before visiting our site. Interactions, especially clicking a «Re-Tweet» button, are also transmitted to Twitter. You can find out more at twitter.com/privacy.
External payment service providers
This website uses external payment service providers through whose platforms the users and we can carry out payment transactions. For example via
- PostFinance (rechtliches-barrierefreiheit)
- Visa (visa.de/nutzungsbedingungen/visa-privacy-center)
- Mastercard (mastercard.ch/de-ch/datenschutz)
- American Express (americanexpress.com/de/content/privacy-policy-statement)
- Paypal (paypal.com/de/webapps/mpp/ua/privacy-full)
- Bexio AG (bexio.com/de-CH/datenschutz)
- Payrexx AG (payrexx.ch/site/assets)
- Apple Pay (support.apple.com)
- Stripe (stripe.com/ch/privacy)
- Klarna (klarna.com/de/datenschutz)
- Skrill (skrill.com/de/fusszeile/datenschutzrichtlinie)
- Giropay (giropay.de/rechtliches/datenschutz-agb) etc.
Within the framework of the performance of contracts, we appoint payment service providers based on the Swiss Data Protection Ordinance and, where necessary, Art. 6 para. 1 item b. EU-GDPR. Furthermore, we use external payment service providers based on our legitimate interests following the Swiss Data Protection Ordinance and, where necessary, Art. 6 para. 1 item f. EU-GDPR to offer our users effective and secure payment options.
The data processed by the payment service providers include inventory data, such as name and address; bank data, such as inter alia, account or credit card numbers, passwords, TANs and checksums; contract, sum and sum and recipient-related data. These details are required to carry out the transactions. However, the data entered is only processed by the payment service providers and stored by them. As the operator, we do not receive any information about (bank) account or credit card but only lead to confirm (accept) or reject the payment. Under certain circumstances, payment service providers may transfer the data to credit agencies. The purpose of this transmission is to check identity and creditworthiness. We refer to the payment service providers› general terms and conditions and data protection information.
For payment transactions, the terms and conditions and the data protection information of the respective payment service providers apply, which can be accessed within the respective websites or transaction applications. We also refer to these for further information and the assertion of rights of revocation, information and other rights of data subjects.
Newsletter – Mailchimp
The newsletters are sent via the mailing service provider ‹MailChimp›, a US provider Rocket Science Group, LLC newsletter platform, 675 Ponce De Leon Ave NE #5000, Atlanta, GA 30308, USA. You can view the data protection regulations of the mailing service provider here. The Rocket Science Group LLC d/b/a MailChimp is certified under the PrivacyShield Agreement and thus offers a guarantee to comply with the European data protection level (PrivacyShield). The mail order service provider is used based on our legitimate interests, according to Art. 6 para. 1 item f GDPR and an order processing contract according to Art. 28 para. 3 sentence 1 GDPR.
The mailing service provider can use the recipient’s data in pseudonymous form, i.e. without allocation to a user, to optimise or improve its own services, e.g. for the technical optimisation of the dispatch and presentation of the newsletter or for statistical purposes. However, the mailing service provider does not use the data of our newsletter recipients to write to them or pass the data on to third parties.
Privacy policy for YouTube
This website uses plugins from the YouTube site operated by Google. The operator of the pages is YouTube, LLC, 901 Cherry Ave., San Bruno, CA 94066, USA. When you visit one of our sites equipped with a YouTube plugin, a connection to the YouTube servers is established. This tells the YouTube server which of our pages you have visited.
If logged in to your YouTube account, you allow YouTube to assign your surfing behaviour directly to your personal profile. You can prevent this by logging out of your YouTube account.
Further information on the handling of user data can be found in the YouTube privacy policy at google.de/intl/de/policies/privacy
Amazon-Partner program
We are based on our legitimate interests within the meaning of Art. 6 para. 1 item f. GDPR, participants in the Amazon EU partner programme, was designed to provide a medium for websites. Advertising costs can be earned by advertising and links to Amazon (affiliate system). As an Amazon partner, we make qualified purchases.
Amazon uses cookies to trace the origin of orders. Among other things, Amazon can recognise that you have clicked on the partner link on our website and subsequently purchased a product from Amazon.
For further information on Amazon’s use of data and the possibility of objection, please refer to the company’s data protection declaration under the link: amazon.de/gp/help/customer/display.
Amazon and its logo are trademarks of Amazon.com, Inc. or one of its affiliated or associated companies.
Booking.com
We are based on our legitimate interests within the meaning of Art. 6 para. 1 lit. f. DSGVO, participants in the Booking.com partner program, which is designed to provide a medium for websites through which advertising costs can be earned by placing advertisements and links to Booking.com (affiliate system). As a Booking.com partner, we make qualified bookings.
Booking.com uses cookies to be able to trace the origin of the booking. Among other things, Booking.com can recognise that you have clicked on the partner link on our website and subsequently made a booking with Booking.com.
For more information about Booking.com’s use of data and how to opt out, please refer to the company’s privacy policy at booking.com/content/privacy.
Order processing in the online shop with a customer account
We process the data of our customers by the data protection regulations of the Swiss Confederation (Data Protection Act, DSG) and the EU-GDPR within the framework of the order processes in our online shop to enable them to select and order the selected products and services, as well as their payment and delivery, or execution.
The processed data includes master data (inventory data), communication data, contract data, and payment data. The persons affected by the processing include our customers, interested parties and other business partners. The processing is carried out to provide contractual services in the context of operating an online shop, billing, delivery and customer services. For this purpose, we use session cookies, e.g. for storing the contents of the shopping cart, and permanent cookies, e.g. for storing the login status.
The processing is based on Art. 6 Para. 1 item b (execution of ordering processes) and c (legally required archiving) of the GDPR. The information marked as necessary is required to establish and fulfil the contract. We disclose the data to third parties only within the scope of delivery and payment or within the scope of the legal permits and obligations. The data is only processed in third countries if necessary to fulfil the contract (e.g. at the customer’s request for delivery or payment).
Users can optionally create a user account by viewing their orders. The required mandatory data will be provided to users during registration. The user accounts are not public and cannot be indexed by search engines such as Google. If users have terminated their user account, their data will be deleted from the user account, subject to their safekeeping if necessary for reasons of commercial or tax law following Art. 6 Para. 1 item c GDPR. Data in the customer account will remain until their deletion with subsequent archiving in case of a legal obligation. The users are responsible for saving their data in case of termination before the end of the contract.
Within the scope of registration, renewed logins, and use of our online services, we store the IP address and the time of the respective user action. The storage is based on our legitimate interests and the user’s need for protection against misuse and other unauthorised use. This data will not be passed on to third parties unless it is necessary to pursue our claims or there is a legal obligation to do so following Art. 6 Para. 1 item c DSGVO.
Deletion takes place after the legal warranty and comparable obligations expire, and the necessity of data storage is checked at irregular intervals. In the case of legal archiving obligations, deletion shall occur after the expiry of these obligations.
Agency services
We process our customers› data under the data protection regulations of the Swiss Confederation (Data Protection Act, DSG) and the EU-GDPR within the scope of our contractual services.
We process inventory data (e.g., customer master data, such as names or addresses), contact data (e.g., e-mail, telephone numbers), content data (e.g., text entries, etc.), contract data (e.g., the subject matter of the contract, term of the contract), payment data (e.g., bank details, payment history), usage and metadata (e.g., in the context of the evaluation and performance measurement of marketing measures). Those affected include our customers, interested parties and their customers, users, website visitors or employees, and third parties. Processing is to provide contractual services, billing and customer service. The legal basis of the processing is derived from Art. 6 para. 1 item b GDPR (contractual services), Art. 6 para. 1 item f GDPR (analysis, statistics, optimisation, security measures). We process the data necessary to justify and fulfil the contractual services and point out the necessity of their disclosure. Disclosure to external parties is only made if it is required within the scope of a contract. When processing the data provided to us within the scope of an order, we act following the instructions of the client and the legal requirements of an order processing the following Art. 28 GDPR and do not process the data for purposes other than those specified in the order.
We delete the data after the legal warranty and comparable obligations expire. The necessity of keeping the data checked at irregular intervals. In the case of legal archiving obligations, the deletion occurs after the expiry of these obligations. In the case of data disclosed to us by the client within the scope of an order, we delete the data following the order’s requirements, in principle, after the end of the order.
Brokerage services
We process the data of our customers, clients and interested parties (uniformly referred to as «customers») in accordance with the data protection regulations of the Swiss Confederation (Data Protection Act, DSG) and the EU-GDPR following Art. 6 para. 1 item b. GDPR to provide them with our contractual or pre-contractual services. The underlying order determines the data processed, the type, scope, purpose and necessity of their processing. This includes, in principle, inventory and master data of the customers (name, address, etc.), as well as contact data (e-mail address, telephone, etc.), contract data (content of the order, fees, terms, details of the brokered companies/insurance companies/ services) and payment data (commissions, payment history, etc.). We may also process the information on the characteristics and circumstances of persons or items belonging to them if this is part of the subject of our order. This can be, for example, information on personal events or mobile or immobile material goods.
Within the scope of our assignment, we may also need to process special categories of data per Art. 9 Para. 1 GDPR, in particular, data concerning the health of a person. For this purpose, we obtain the customer’s express consent, if necessary, following Art. 6 Para. 1 item a., Art. 7, Art. 9 Para. 2 items a GDPR.
Insofar as it is necessary for the fulfilment of the contract or legally required, we disclose or transfer the data of the customers in the context of coverage requests, conclusion and processing of contracts, data to providers of the brokered services/objects, insurers, reinsurers, broker pools, technical service providers, other service providers, such as e.g. cooperating associations, as well as financial service providers, credit institutions and investment companies as well as social security institutions, tax authorities, tax advisors, legal advisors, auditors, insurance ombudspersons and the Swiss Financial Market Supervisory Authority (FINMA) or Federal Financial Supervisory Authority (BaFin). Furthermore, we can also engage subcontractors, such as sub-brokers. We obtain the clients› consent, provided that such a license is required for disclosure/transmission (which may be the case, for example, in the case of special categories of data under Art. 9 GDPR).
The deletion of the data is carried out after the expiry of legal warranty and comparable obligations, whereby the necessity of storing the data is checked at irregular intervals. In all other respects, the statutory storage obligations apply. In the case of legal archiving obligations, the deletion occurs after their expiry.
Contractual services
We process the data of our contractual partners and interested parties as well as other principals, customers, clients, clients or contractual partners (uniformly referred to as «contractual partners») following the data protection regulations of the Federal Republic of Germany (Data Protection Act, DSG) and the EU-DSGVO following Art. 6 para. 1 lit. b. DSGVO to provide them with our contractual or pre-contractual services. The underlying contractual relationship will determine the data processed in this context, the type, scope and purpose of such processing and its necessity.
The processed data includes the master data of our contractual partners (e.g. names and addresses), contact data (e.g. e-mail addresses and telephone numbers), as well as contract data (e.g. services used, contract contents, contractual communication, names of contact persons) and payment data (e.g. bank details, payment history).
As a matter of principle, we do not process special categories of personal data unless they are part of a commissioned or contractual processing.
We process data necessary for the justification and fulfilment of the contractual services and point out the necessity of their disclosure if this is not evident to the contractual partners. Exposure to external persons or companies will only be made if it is necessary within the scope of a contract. When processing the data provided to us within the framework of an order, we act following the instructions of the client and the legal requirements.
When using our online services, we may store the IP address and the time of the respective user action. The storage is based on our legitimate interests, as well as the interests of the users in protection against misuse and other unauthorised use. This data will not be passed on to third parties unless it is necessary to pursue our claims following Art. 6 Para. 1 item f. GDPR or a legal obligation to do so following Art. 6 Para. 1 item c. GDPR.
The data is deleted when the data is no longer necessary for the fulfilment of contractual or statutory duties of care and for dealing with any warranty and comparable tasks, whereby the necessity of storing the data is checked at irregular intervals. In all other respects, the statutory storage obligations apply.
Administration, financial accounting, office organisation, contact management
We process data in accordance with the data protection regulations of the Swiss Confederation (Data Protection Act, DSG) and the EU-GDPR within the framework of administrative tasks as well as the organisation of our operations, financial accounting and compliance with legal obligations, such as archiving. In doing so, we process the same data that we process within the scope of providing our contractual services. The basis for processing is Art. 6 para. 1 item c. GDPR, Art. 6 para. 1 item f. GDPR. The processing affects customers, interested parties, business partners and website visitors. The purpose of and our interest in the processing lies in the administration, financial accounting, office organisation, and data archiving, i.e. tasks that serve to maintain our business activities, perform our duties and provide our services. Deleting the data concerning contractual services and communication corresponds to the data mentioned in these processing activities.
In doing so, we disclose or transfer data to the tax authorities, consultants, tax advisors or auditors, and other fee earners and payment service providers.
Furthermore, we store information on suppliers, event organisers and other business partners based on our business interests, e.g. to contact them later. We hold these mostly company-related data permanently.
Provision of our services according to statutes
We process the data of our members, supporters, interested parties, customers or other persons in accordance with the data protection regulations of the Swiss Confederation (Data Protection Act, DSG) and the EU-GDPR following Art. 6 Para. 1 item b. GDPR, insofar as we offer contractual services to them or act within the framework of existing business relationships, e.g. to members, or are ourselves recipients of services and benefits. Otherwise, we process the affected persons› data per Art. 6 Para. 1 item f. GDPR is based on our legitimate interests, e.g. if it concerns administrative tasks or public relations work.
The underlying contractual relationship determines the data processed, the nature, scope and purpose of such processing, and the necessity of its processing. This basically includes inventory and master data of persons (e.g., name, address, etc.), as well as contact data (e.g., e-mail address, telephone number, etc.), contractual data (e.g., services used, contents and information provided, names of contact persons) and, if we offer services or products that require payment, payment data (e.g., bank details, payment history, etc.).
We delete data that are no longer required to fulfil statutory purposes. This is determined according to the respective tasks and contractual relationships. In the case of business processing, we retain the data for as long as it may be relevant to the business transaction and also concerning any warranty or liability obligations. The necessity of storing the data is checked at irregular intervals. In all other respects, the statutory storage obligations apply.
Note concerning data transmissions to the USA (United States of America)
For the sake of completeness, we would like to point out that users based in Switzerland are subject to surveillance measures by US authorities, which generally allow the storage of all personal data from Switzerland – which has been transferred to the USA.
This is done without differentiation, restriction or exception based on the objectives pursued and without any intent or criterion, making it possible to limit the US authorities› access and subsequent use of the data to particular and strictly limited purposes that can justify both access to and interference with the data. Furthermore, we would like to point out that there are no legal remedies available in the USA for Swiss data subjects that would allow them to obtain access to the data concerning them and to have them corrected or deleted or that there is no adequate legal protection against public access rights of US authorities. We explicitly draw the attention of the person concerned to this legal and factual situation to make an appropriately informed decision to consent to use their data.
We want to point out to users residing in an EU member state that the USA needs adequate data protection from the perspective of the European Union.
Copyright
The copyrights and all other rights to content, images, photos or other files on the website belong exclusively to the operator or the specifically named rights holders. For the reproduction of all files, the written consent of the copyright holder must be obtained in advance.
Anyone who commits a copyright infringement without the consent of the respective rights holder may be liable to prosecution and, at most, to damages.
General exclusion of liability
All information on our website has been carefully checked. We make every effort to ensure that the information we offer is up-to-date, correct and complete. Nevertheless, errors cannot be ruled out, meaning we cannot guarantee information’s completeness, correctness and topicality, including journalistic and editorial info. Liability claims arising from material or non-material damage caused by the use of the information provided are excluded unless there is evidence of wilful intent or gross negligence.
The publisher can change or delete texts at his own discretion and without notice and is not obliged to update the contents of this website. Using or accessing this website is at the visitor’s own risk. The publisher, its clients or partners are not responsible for damages, such as direct, indirect, accidental, pre-determined concrete or consequential damages, which are allegedly caused by visiting this website and, therefore, do not assume any liability for them.
The publisher also assumes no responsibility or liability for the content and availability of third-party websites that can be accessed via external links on this website. The operators of the linked sites are solely responsible for their content. The publisher thus expressly distances itself from all third-party content that may be relevant under criminal or liability law or contrary to public decency.
Changes
We may change this privacy policy at any time without notice. The current version published on our website applies. If the data protection declaration is part of your agreement, we will inform you of the change by e-mail or other suitable means in case of an update.
Questions to the data protection officer
If you have any questions regarding data protection, please e-mail or directly contact the person responsible for data protection in our organisation listed at the beginning of this privacy policy.