A. GENERAL INFORMATION

In this section, you will find out who is responsible for processing your data, who you can contact if you have any questions or complaints about data protection, how we protect your data and how you can protect your data in general.

This Privacy Policy is designed to meet the requirements of the Swiss Data Protection Act (“DPA”). However, whether and to what extent these laws are applicable depends on the individual case

I. Controller

The controller for the collection and use of your personal data when using our service within the meaning of data protection laws is

Creo Finanz AG
Zählerweg 5
6300 Zug

info@creofinanz.com

If you have any questions about the collection and use of data, you can contact us at any time.

II Data security & data protection-friendly default settings

  1. data security

Creo Finanz takes appropriate security measures to protect the confidentiality, integrity and availability of your personal data, to protect it against unauthorized or unlawful processing and to counteract the risks of loss, unintentional alteration, unwanted disclosure or unauthorized access.

  1. data protection-friendly default settings

To remove or clean up existing cookies or similar technologies from other sites, you can set privacy-friendly preferences in your browser or use certain opt-out options. Here are some steps you can take:

  1. Delete cookies: Most browsers offer the option of deleting stored cookies. To do this, go to your browser settings and look for the section on privacy or data protection settings. There you will usually find an option to manage and delete cookies.
  2. Use incognito/private mode: Many browsers have an incognito or private mode that restricts the saving of cookies and other data while you are surfing. You can activate this mode to prevent new cookies from being saved.
  3. Use browser extensions: There are various browser extensions and add-ons that help to block or control the tracking of cookies and similar technologies. Search for such extensions that are compatible with your browser and install them according to the instructions of the respective provider.
  4. Use opt-out options: Some companies and ad networks offer opt-out options that allow you to opt out of certain tracking cookies. Visit the websites of these companies and advertising networks to find out more about their privacy policies and opt-out options.

Please note that deleting cookies or adjusting browser settings may affect the functionality of certain websites or services. It is advisable to find out about the effects of these changes beforehand.

B. YOUR DATA PROTECTION RIGHTS

You can find out what data protection rights you have in relation to your data in this section on your data protection rights. These rights include the right to information about the data stored about you, a right to rectification and – if the legal requirements are met – a right to erasure of your data. Whenever we ask for your consent to process your data, you also have the right to withdraw your consent at any time and without giving reasons.

I. Information

You have the right to request information about the processing of your personal data by us at any time. When providing you with information, we will explain the data processing and provide you with an overview of the data stored about you.

If you request information about your data, we will provide you with comprehensive information about how your data is processed, where it comes from and where it goes.

II Correction

If data stored by us is incorrect or no longer up to date, you have the right to have this data corrected.

We will comply with your request without delay.

You can send us the correct data for the correction and we will take care of the rest.

III Deletion

You can also request the deletion of your data.

If deletion is not possible in exceptional cases due to other legal provisions, the data will be blocked so that it is only available for this legal purpose.

IV. Restriction

You can also have the processing of your data restricted.

While we check your aforementioned rights, you can have the processing restricted.

V. Transfer

You also have the right to request that we transfer the data concerning you in the form of a digital copy if you have consented to the data processing or if it is based on a contract between us.

If you request the transfer of the data that you have provided to us, we will make it available to you in a portable format.

VI Objection

You have the right to object to the processing of your data. If you file an objection, we will check whether we have compelling reasons for processing. If this is not the case, we will no longer process the data. In the case of direct advertising, you have a general right to object.

VII. Revocation

You have the right to withdraw your consent given to us at any time by sending a message to info@creofinanz.com. As a result, we will no longer continue the data processing that was based on this consent in the future. The withdrawal of consent does not affect the lawfulness of processing based on consent before its withdrawal.

If you withdraw your consent, we will stop the data processing based on it.

VIII. Complaint

Finally, you have the right to lodge a complaint with the data protection supervisory authority responsible for us. You can assert this right with a supervisory authority in the member state of your place of residence, your place of work or the place of the alleged infringement.

You can contact the Federal Data Protection and Information Commissioner (FDPIC) here: www.edoeb.admin.ch/edoeb/de/home/deredoeb/kontakt.html.

C. DATA PROCESSING FOR CONTRACT EXECUTION

In this section, we inform you about the processing of your data in connection with the initiation and/or execution of a contract in insurance matters with us or if you have commissioned us to process your tax return. You will find out which categories of data we process for which purposes and to whom we pass on your data, e.g. to service providers who provide us with technical support or to tax authorities, broker pools and insurers.

I. Processed data

We process your personal data in order to perform our task. This includes information that allows conclusions to be drawn about your person, such as your name, your telephone number, your address or your e-mail address.
Statistical data that cannot be linked to you personally is not considered personal data.

As a broker, we need to process certain information about you:

First, we need your contact details:

  • Name, address, date of birth, age
  • Telephone number, e-mail address
  • Bank details

You provide us with this data as part of your registration.

We also process the following personal data:

  • Marital status
  • Occupation and salary
  • Special data categories (e.g. health data)
  • Current insurance situation
  • Family situation (partner, children)
  • Housing situation (current and planned)
  • Hobbies and interests
  • Pets
  • Other personal/economic circumstances, care requirements

You provide us with this data as part of the needs or pension check.

We also derive your product interests from this data.

We also process your insurance data:

  • Application data (data that you provide with the application to take out insurance)
  • Contract data for a specific contract (such as insurance policy number, sum insured, term, premium, risk, investment amounts, credit amounts)
  • Benefit data (insured events, data on the occurrence of a claim or benefit event)

You provide us with this data in the course of taking over or managing a broker mandate. If we take over an existing broker mandate, we will also receive the data from the insurers with your consent.

We also process your tax data:

  • Other personal details (e.g. date of birth, religious denomination)
  • Tax documents (e.g. tax returns, dispositions)
  • Information on income (e.g. salary statements, bookkeeping for self-employed persons, alimony, income from securities, gambling winnings, pensions from AHV and occupational pension schemes)
  • Professional details and professional expenses (e.g. workload, transportation costs, work-related training costs and general work-related expenses)
  • Information on vehicles
  • Family circumstances (e.g. marital status, partner, children)
  • Health data (e.g. medical expenses, costs for health insurance premiums)
  • Housing situation and other properties (e.g. current and planned, rent or mortgage interest, maintenance costs)
  • Other financial circumstances (e.g. contributions to pillar 3a, account statements, receipts for securities, receipts for donations)

You provide us with this data for the processing of your tax return.

We also collect your usage data:

  • Visits to the websites (Which ones were viewed?)
  • Time spent on websites (How long did you look at a page)
  • Origin page (ref URL)
  • Time and date, e.g. when you accessed our website

We collect this data when you use our website and app.

Finally, we collect the following data about your device, browser and location:

  • Operating system of your end device (e.g. Windows, Android or iOS)
  • Model of your end device (e.g. iPhone, Samsung Galaxy)
  • Settings of your end device, e.g. screen resolution
  • Browser settings, e.g. language setting, time zone, installed plugins and fonts
  • IP addresses
  • Your location (we do not use GPS data, but only the information that can be derived from the IP address)

We collect this data when you use our website and app.

II. Why does Creo Finanz need my consent?

We may need your consent if we pass on particularly sensitive personal data to third parties. This includes, for example, information about your state of health. We need this information if we advise you on insurance products, in particular when processing claims for health and liability insurance.

We therefore ask for your consent when you decide on a corresponding product. You can revoke your consent at any time for the future by sending a message to <info@creofinanz

We may also require your consent to send you advertising information and to personalize it for the analysis of the usage behavior of our websites and apps. These consents are voluntary. It is also possible to use our services without this consent.

III General information on our cooperation partners and data transmission

  1. broker pools

We use broker pools for our advice in order to offer you the best possible insurance policies at favorable rates. In order to provide you with an offer, we must provide them with your personal data.

Our broker pools are:
Hypocloud GmbH
Industriestrasse 109
8957 Spreitenbach

By cooperating with broker pools, we can prepare and provide you with the best and cheapest insurance for your situation at any time.

  1. Insurer

If you apply to us to take out insurance, we will send the relevant insurer the personal data relevant to the conclusion. You can find these insurers listed in our form in accordance with Article 45 of the Insurance Supervision Act (VAG).

As an insurance broker, we transfer information between you and the insurers.

  1. Asset managers and mortgage partners

If you would like to use relevant services, we can also pass on your data to asset managers (particularly in the area of vested benefits), to mortgage partners and brokers and other financial experts.

  1. Service providers

Part of the data processing can also be carried out by our service providers. In addition to the service providers mentioned in this data protection declaration, this may include, in particular, data centers and cloud service providers who store our website and databases, IT service providers (including cloud, software and hosting providers) who operate and maintain our systems, consulting companies and service providers we outsource certain tasks. If we pass on data to our service providers, they may only use the data to fulfill the tasks specified by us.

  1. Official, legal and judicial inquiries and other third parties

In addition, disclosure may occur in connection with governmental submissions and requests, court orders and legal proceedings if we are instructed to do so (e.g. in the context of tax returns) or if we believe in good faith that we are legally obliged to do so.

We may also share information with third parties such as auditors or when we believe in good faith that it is necessary to: Detect, prevent and prosecute fraud, unauthorized use of our product, and other harmful or illegal activities .

In the event of legitimate inquiries, we pass on data to authorities or courts in individual cases.

  1. Disclosure of personal data abroad

In principle, when using service providers and third parties, we only work with companies that process data within Switzerland or the European Economic Area, or are located in countries that guarantee an adequate level of data protection in accordance with an adequacy decision by the Federal Council.

If, as an exception, your data should be processed when using service providers in countries without an adequacy decision outside Switzerland or the EEA, we have concluded special contracts with the service providers for order processing, which contain the standard contractual clauses of the European Commission, unless these already conform to a legally recognized set of rules to ensure data protection and we cannot rely on an exception provision. An exception may apply in particular in legal proceedings abroad, but also in cases of overriding public interests or if the execution of a contract requires such disclosure, if you have given your consent or if it concerns data that you have made generally accessible and the processing of which you have not objected to.

IV. Data processing within the context of the app and during consultation

  1. Closing of the mandate and identification

Processing purpose and use

The data processing serves to mandate Creo Finanz to provide support in insurance matters.

By doing so, you are instructing us to arrange insurance contracts for you. This includes in particular the preparation and conclusion of insurance contracts as well as participation in administration and fulfillment, especially in the event of damage.

In order to carry out the identification, we need your telephone number so that we can send you a verification code. Your signature is required to complete the brokerage mandate.

For the broker mandate and to start our work, it is important that you identify yourself and we know who you are.

Edited data

  • Contact details
  • Signature data

2. Process and submit the tax return

Processing purpose and use

The data processing is used to fill out and submit the tax return. This ensures that all possible tax deductions are made. These documents may also contain particularly sensitive personal data

If you also upload insurance policies and pension documents, these will be analyzed for the purpose of price-performance indication and, if necessary, you will be contacted by us for further advice. We accompany you from choosing the right insurance or investment product, to concluding a contract with the insurance company, during the term of the contract, right up to the end of the contract. We rely on the experience of our employed consultants and sales partners as well as the latest digital technologies in order to be able to provide you with the best conditions.

Edited data

  • Contact information
  • Tax information
  • Insure information

Sharing of data for this purpose

tax authorities

This data will be included in your tax return and, with your prior consent, will be passed on to the responsible tax authority(s) for the purpose of submitting the tax return.

  1. Conclusion of insurance contracts

Processing purpose and use

The core area of our work is to provide you with the best possible insurance. That’s why we also process your data when concluding contracts with insurers if you want to purchase a specific insurance product.

In order to conclude such a contract, insurers ask for a lot of information about you and yourself.

Edited data

  • Contact information
  • Signature data
  • Insurance information
  • Payment Information
  • Possibly health data

Sharing of data for this purpose

Broker pools

Broker pools enable us to efficiently connect to a variety of insurance companies in order to give you an optimal overview of the market.

insurer

Our insurers process your data in Switzerland and, depending on your insurance, possibly in Liechtenstein or Germany. If insurance requires your data to be transferred to other countries, we will inform you in advance.

  1. Communication

Processing purpose and use

We process your data so that you can reach us via contact form, live chat or telephone and we can respond to your request.

Contact is made for the purpose of providing advice as part of our brokerage activities and processing the tax return.

Edited data

  • contact details
  • Communication content
  1. Support of broker mandates

Processing purpose and use

As your insurance broker, we support you in all insurance matters and in the subject areas for which you have added insurance in your profile, which interest you or for which we have identified a need for you. We use your personal information and your insurance data, i.e. information about your insurance contracts or individual insurance cases, to:

  • provide you with safe and reliable information about your insurance policies;
  • to be able to make you better or cheaper offers on existing insurance policies;
  • to inform you about relevant news or to offer you new insurance that suits your needs and is appropriate for your life situation.

We use Salesforce for the purpose of managing broker mandates and optimizing and automating sales processes.

Salesforce gives our sales consultants a quick and easy overview of requirements within the scope of a mandate and helps us to fulfill our brokerage obligations. An interface is provided from which our communication can take place.

Edited data

  • Contact information
  • Tax information
  • Insure information

Sharing of data for this purpose

Broker pools

Broker pools enable us to efficiently connect to a variety of insurance companies in order to give you an optimal overview of the market.

insurer

Our insurers process your data in Switzerland and, depending on your insurance, possibly in Liechtenstein or Germany. If insurance requires your data to be transferred to other countries, we will inform you in advance.

  1. Opportunity generation

Processing purpose and use

We use the information we have to analyze what interests or needs you have as a customer so that we can recommend products that are right for you. We undertake this task as part of our duty to provide advice as a broker.

To do this, we analyze the data according to certain criteria, based on our experience as a broker, in particular based on the information from the needs check. For example, if you state that you have a car, we will recommend new or better car insurance if the analysis of an existing insurance reveals a need for optimization.

In order to continually improve and further automate our product and our recommendations, we also use statistical methods to determine both your insurance needs and your satisfaction with your current insurance situation.

The aim of this is, on the one hand, to be able to put the best experts at your side and, on the other hand, to optimize the utilization of our insurance advisors.

Edited data

  • Contact information
  • Tax information
  • Insure information
  1. Database

The personal data collected on this website is stored on the host’s servers. This can be v. a. These include IP addresses, contact requests, meta and communication data, contract data, contact details, names, website access and other data generated via a website.

Our host will only process your data to the extent necessary to fulfill its service obligations and follow our instructions regarding this data.

D. DATA PROCESSING ON THE WEBSITE

We use cookies on our websites that can identify your browser or device. A cookie is a small file that is sent to your computer or automatically stored on your computer or mobile device by the web browser you use when you visit our website. We only use so-called session cookies, which are only used during a session and are deleted after your visit to the website.

You can set your browser so that it rejects cookies, only saves them for one session or otherwise delete them early. Most browsers are preset to accept cookies.

E. DATA PROCESSING FOR MARKETING PURPOSES

I. Newsletters

Processing purpose and use

We use these emails to send you information about our products, special offers, discounts or other relevant news that may be of interest to you.

We also include visible and invisible image elements in these e-mails, to the extent permitted, by retrieving them from our servers we can determine whether and when you opened the e-mail so that we can also measure and understand it better. how you use our offers and how we can tailor them to you. You can block this in your email program; most are preset to do this.

Edited data

  • Contact information
  • Product interests
  • Usage behavior
  • IP address

II. Data processing within the framework of our partnerships

We cooperate with various partners to provide you with additional benefits. Certain of your data must be passed on so that our partners can check that you meet the relevant requirements.

At your request, your number of insurance policies and a corresponding identifier will be sent. This can be used to check whether you meet the requirements for the respective benefit.

F. DATA PROCESSING ON SOCIAL MEDIA

  1. General

We may operate our own presence on social networks and similar third-party platforms. If you communicate with us via such appearances or comment on or distribute content from us, we collect the relevant information and process it in accordance with our data protection declaration. At the same time, the platforms evaluate your use of our online presence and link this data with other data about you known to the platforms (e.g. about your behavior and preferences). They also process this data for their own purposes under their own responsibility, in particular for marketing and market research purposes (e.g. to personalize advertising) and to control their platforms (e.g. what content they show you).

We process this data in particular for communication, marketing purposes (including advertising on these platforms) and market research. We can redistribute content that you publish yourself (e.g. comments on an announcement) (e.g. in our advertising on the platform or elsewhere). We or the platform operators may also delete or restrict content from or about you in accordance with the usage guidelines (e.g. inappropriate comments).

For further information on the processing carried out by the platform operators, please refer to the platforms’ data protection information. There you will also find out in which countries they process your data, what information, deletion and other data subject rights you have and how you can exercise these or obtain further information.

G. DURATION OF DATA STORAGE

We process and store your personal data for as long as it is necessary to fulfill our contractual and legal obligations or for other purposes pursued by the processing, i.e. for example for the duration of the entire business relationship (from initiation, processing to termination of a contract) as well as in accordance with the legal retention and documentation obligations. It is possible that personal data will be retained for the period in which claims can be asserted against our company and to the extent that we are otherwise legally obliged to do so or legitimate business interests require this (e.g. for evidentiary and documentation purposes). As soon as your personal data is no longer required for the purposes mentioned above, it will generally be deleted or anonymized as far as possible.

H. FINAL PROVISION

This privacy policy is not part of a contract with you. We can adapt this data protection declaration at any time. The version published on this website is the current version.