DISCLAIMER/LEGAL INFORMATION

General notice
Based on Article 13 of the Swiss Federal Constitution and the data protection regulations of the Swiss Confederation (Data Protection Act, DSG), every person has the right to protection of their privacy as well as protection against misuse of their personal data. The operators of these pages take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with the legal data protection regulations as well as this privacy policy.
In cooperation with our hosting providers, we make every effort to protect the databases as well as possible against unauthorized access, loss, misuse or falsification.
We would like to point out that data transmission on the Internet (e.g. communication by e-mail) can have security gaps. A complete protection of data against access by third parties is not possible.

By using this website, you consent to the collection, processing and use of data as described below. This website can generally be visited without registration. In the process, data such as accessed pages or names of the accessed file, date and time are stored on the server for statistical purposes without this data being directly related to your person. Personal data, in particular name, address or e-mail address are collected as far as possible on a voluntary basis. No data will be passed on to third parties without your consent.
VVK AG (hereinafter referred to as “we”, “us”) respects the privacy of the users and customers of its Internet presence and has made the protection of such privacy a top priority in all activities on the Internet. This means that we undertake to treat the information you provide at all times with the greatest care and responsibility and in compliance with the relevant provisions of data protection law and on the basis of this data protection declaration.
This also and in particular applies to the cooperation with partners and third parties who are called in by us for the execution of contracts. We will never pass on or sell your data to third parties unless you expressly agree to this.

By agreeing to the following privacy policy, you consent to the collection, processing and use of data by VVK AG in compliance with data protection laws and the following provisions. You can revoke your consent at any time with effect for the future.
VVK AG guarantees the confidential treatment of all stored personal data of the users of our website.
Within the framework of this data protection declaration, we would like to inform you about how we guarantee the protection of the data you provide us with: Personal data is only collected, processed and used by us in accordance with the provisions of the applicable data protection law.
If you provide us with personal data of other persons (e.g. family members, data of work colleagues), please make sure that these persons are aware of this data protection declaration and only share their personal data with us if you are allowed to do so and if this personal data is correct.
This Privacy Policy is designed to comply with the requirements of the EU General Data Protection Regulation (“GDPR”), the Swiss Data Protection Act (“DPA”) and the revised Swiss Data Protection Act (“revDSG”). However, whether and to what extent these laws are applicable depends on the individual case.

Responsible party for processing the data
The responsible party within the meaning of the data protection laws, in particular the EU-.
Data Protection Regulation (DSGVO), is:

VVK Vorsorge- und Vermögenskonzepte AG
Hauptstrasse 53
9053 Teufen AR

Phone: +41 71 333 46 46
E-mail: info@vvk.ch
WebSite: https://www.vvk.ch/

 

Collection and processing of personal data
Personal data is any information that relates to an identified or identifiable person. A data subject is a person about whom personal data is processed. Processing includes any handling of personal data, regardless of the means and procedures used, in particular the storage, disclosure, acquisition, deletion, storage, modification, destruction and use of personal data.

We primarily process the personal data that we receive from our customers and other business partners in the course of our business relationship with them and other persons involved in it, or that we collect from their users in the operation of our website, apps and other applications.

To the extent permitted, we also take certain data from publicly accessible sources (e.g. debt collection registers, land registers, commercial registers, press, Internet) or receive such data from other companies within our group, from authorities and other third parties. In addition to the data about you that you give us directly, the categories of personal data that we receive about you from third parties include, in particular, information from public registers, information that we learn in connection with official and legal proceedings, information in connection with your professional functions and activities (so that, for example, we can (so that we can, for example, conclude and process transactions with your employer with your help), information about you in correspondence and meetings with third parties, creditworthiness information (insofar as we process transactions with you personally), information about you that people close to you (family, advisors, legal representatives, etc.) give us so that we can conclude or process contracts with you or involving you, e.g. References, your address for deliveries, powers of attorney, information on compliance with legal requirements such as anti-money laundering and export restrictions, information from banks, insurance companies, sales and other contractual partners of ours on the use or provision of services by you (e.g. payments made, purchases made), information from the media and Internet about you (where this is appropriate in the specific case, e.g. in the context of a job application, press releases, etc.). e.g. in the context of an application, press review, marketing/sales, etc.), your addresses and, if applicable, interests and other sociodemographic data (for marketing), data in connection with the use of the website (e.g. IP address, MAC address of the smartphone or computer, information about your device and settings, cookies, date and time of visit, pages and content accessed, functions used, referring websites, location information).

• We process personal data in accordance with Swiss data protection law. In addition, we process – to the extent and insofar as the EU GDPR is applicable – personal data in accordance with the following legal bases in connection with Art. 6 (1) GDPR:
  lit. a) Processing of personal data with the consent of the data subject.
• lit. b) Processing of personal data for the fulfillment of a contract with the data subject as well as for the implementation of corresponding pre-contractual measures.
• lit. c) Processing of personal data for the fulfillment of a legal obligation to which we are subject under any applicable law of the EU or under any applicable law of a country in which the GDPR is applicable in whole or in part.
• lit. d) Processing of personal data in order to protect the vital interests of the data subject or another natural person.
• lit. f) Processing of personal data in order to protect the legitimate interests of us or of third parties, unless the fundamental freedoms and rights and interests of the data subject are overridden. Legitimate interests include, in particular, our business 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 required for the respective purpose or purposes. In the case of longer-term retention obligations due to legal and other obligations to which we are subject, we restrict processing accordingly.

Privacy policy for cookies
This website uses cookies. These are small text files that make it possible to store specific information related to the user on the user’s terminal device while the user is using the website. Cookies make it possible, in particular, to determine the frequency of use and number of users of the pages, to analyze behavior patterns of page use, but also to make our offer more customer-friendly. Cookies remain stored beyond the end of a browser session and can be retrieved when you visit the site again. If you do not wish this, you should set your Internet browser to refuse the acceptance of cookies.
A general objection to the use of cookies used for online marketing purposes can be declared for a large number of the services, especially in the case of tracking, via the US site http://www.aboutads.info/choices/ or the EU site http://www.youronlinechoices.com/. Furthermore, the storage of cookies can be achieved by disabling them in the browser settings. Please note that in this case not all functions of this online offer can be used.

Google Analytics
This website uses Google Analytics, a web analytics service provided by Google LLC (“Google”), based on our legitimate interests (interest in optimizing our online offering). Google Analytics uses cookies, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website will be transmitted to and stored by Google on servers in the United States. However, due to IP anonymization on this website, your IP address will be shortened by Google beforehand and thus anonymized. Google is certified under the Privacy Shield agreement.
You can prevent the storage of cookies by making the appropriate setting in your browser. Furthermore, you can prevent the collection of data generated by the cookie and related to your use of the website to Google, as well as the processing of this data by Google, by downloading and installing the browser plugin available under the following link.

Privacy policy for SSL/TLS encryption
This website uses SSL/TLS encryption for security reasons and to protect the transmission of confidential content, such as requests that you send to us as the site operator. You can recognize an encrypted connection by the fact that the address line of the browser changes from “http://” to “https://” and by the lock symbol in your browser line.
If SSL or TLS encryption is activated, the data you transmit to us cannot be read by third parties.

Data transmission security (without SSL)
Please note that data transmitted over an open network such as the Internet or an e-mail service without SSL encryption can be viewed by anyone. You can recognize an unencrypted connection by the fact that the address line of the browser shows “http://” and no lock symbol is displayed in your browser line. Information transmitted over the Internet and content received online may be transmitted over third-party networks. We cannot guarantee the confidentiality of any communications or materials transmitted over such open or third-party networks.
If you disclose personally identifiable information over an open network or third-party networks, you should be aware that your information may be lost or potentially accessed by third parties and, as a result, the information may be collected and used without your consent. While in many cases the individual data packets are transmitted in encrypted form, the names of the sender and recipient are not. Even if the sender and the recipient reside in the same country, the data transfer via such networks often takes place without controls even via third countries, i.e. also via countries that do not offer the same level of data protection as your country of domicile. We assume no responsibility for the security of your data during transmission over 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.
Despite extensive technical and organizational security precautions, it is possible that data may be lost or intercepted and/or manipulated by unauthorized persons. As far as possible, we take appropriate technical and organizational security measures to prevent this within our system. However, your computer is outside the security perimeter that we can control. It is your responsibility as a user to inform yourself about the necessary security precautions and to take appropriate measures in this regard. As the website operator, we are in no way liable for any damage that you may suffer as a result of data loss or manipulation.
Data that you enter in online forms may be passed on to third parties for the purpose of order processing and may be viewed and possibly 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 browser version
• Operating system used
• referrer URL
• Host name of the accessing computer
• Time of the server request

This data cannot be assigned to specific persons. This data is not merged with other data sources. We reserve the right to check this data retrospectively if we become aware of specific 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, and as a result, data is transferred to Google in the USA, although we assume that no personal tracking takes place in this context solely through the use of our website.
Google has undertaken to ensure adequate data protection in accordance with the US-European and the US-Swiss Privacy Shield.
Further information can be found in Google’s privacy policy.

Privacy policy for contact form
If you send us inquiries via the contact form, your data from the inquiry form, including the contact data you provided there, will be stored by us for the purpose of processing the inquiry and in case of follow-up questions. We do not pass on this data without your consent.

Privacy policy for newsletter data
If you would like to receive the newsletter offered on this website, we require an e-mail address from you as well as information that allows us to verify that you are the owner of the e-mail address provided and that you agree to receive the newsletter. Further data will not be collected. We use this data exclusively for sending 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 their use for sending the newsletter at any time, for example via the “unsubscribe link” in the newsletter.

Privacy policy for comment function on this website
For the comment function on this website, in addition to your comment, details of when the comment was created, your e-mail address and, if you do not post anonymously, the username you have chosen will be 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 be able to take action against the author in the event of legal violations such as insults or propaganda.
Subscribing to comments
As a user of the site, you can subscribe to comments after registering. You will receive a confirmation email to verify that you are the owner of the email address provided. You can unsubscribe from this feature at any time via a link in the info emails.

Rights of data subjects

Right to confirmation
Every data subject has the right to request confirmation from the website operator as to whether personal data concerning him or her are being processed. If you wish to exercise this right of confirmation, you may, at any time, contact the Data Protection Officer.

Right to information
Every person affected by the processing with personal data has the right to receive information free of charge from the operator of this website at any time about the personal data stored about him and a copy of this information. Furthermore, information may be provided about the following, if applicable:

• the purposes of processing
• the categories of personal data processed
• the recipients to whom the personal data have been or will be disclosed
• if possible, the planned duration for which the personal data will be stored or, if this is not possible, the criteria for determining this duration
• the existence of a right to obtain the rectification or erasure of personal data concerning him or her, or the restriction of processing by the controller, or a right to object to such processing
• the existence of a right of appeal to a supervisory authority
• if the personal data are not collected from the data subject: Any available information about the origin of the data.

Furthermore, the data subject shall have the right to be informed whether personal data have been transferred to a third country or to an international organization. If this is the case, the data subject also has the right to obtain information about the appropriate safeguards in connection with the transfer.
If you would like to exercise this right to information, you can contact our data protection officer at any time.

Right to rectification
Every person affected by the processing of personal data has the right to demand that inaccurate personal data concerning him or her be corrected without delay. Furthermore, the data subject has the right, taking into account the purposes of the processing, to request that incomplete personal data be completed, including by means of a supplementary declaration.
If you wish to exercise this right of rectification, you may contact our data protection officer at any time.

Right to erasure (right to be forgotten)
Any person concerned by the processing of personal data has the right to obtain from the controller of this website the erasure without delay of personal data concerning him or her, where one of the following grounds applies and insofar as the processing is no longer necessary:

• The personal data have been collected or otherwise processed for such purposes for which they are no longer necessary.
• The data subject revokes the consent on which the processing was based and there is no other legal basis for the processing
• The data subject objects to the processing on grounds relating to his or her particular situation and there are no overriding legitimate grounds for the processing, or the data subject objects to the processing in the case of direct marketing and related profiling
• The personal data have been processed unlawfully
• The erasure of the personal data is necessary for compliance with a legal obligation under Union or Member State law to which the controller is subject
• The personal data has been collected in relation to information society services provided directly to a child

If one of the aforementioned reasons applies, and you would like to arrange for the deletion of personal data stored by the operator of this website, you can contact our data protection officer at any time. The data protection officer of this website will arrange for the deletion request to be complied with immediately.

Right to restriction of processing
Any person concerned by the processing of personal data has the right to obtain from the controller of this website the restriction of processing if one of the following conditions is met:

• The accuracy of the personal data is contested by the data subject for a period enabling the controller to verify the accuracy of the personal data
• The processing is unlawful, the data subject objects to the erasure of the personal data and requests instead the restriction of the use of the personal data
• The controller no longer needs the personal data for the purposes of the processing, but the data subject needs it for the assertion, exercise or defense of legal claims
• The data subject has objected to the processing on grounds relating to his or her particular situation, and it is not yet clear whether the legitimate interests of the controller override those of the data subject

If one of the aforementioned conditions is met, you can request the restriction of personal data stored by the operator of this website at any time by contacting our data protection officer. The data protection officer of this website will arrange the restriction of the processing.

Right to data portability
Every person affected by the processing of personal data has the right to receive the personal data concerning him or her in a structured, common and machine-readable format. He or she also has the right to have this data transferred to another controller if the legal requirements are met.
Furthermore, the data subject has the right to obtain that the personal data be transferred directly from one controller to another controller, insofar as this is technically feasible and insofar as this does not adversely affect the rights and freedoms of other persons.
In order to assert the right to data portability, you may at any time contact the data protection officer appointed by the operator of this website.

Right to object
Any person concerned by the processing of personal data has the right to object at any time, on grounds relating to his or her particular situation, to the processing in particular of those for direct marketing purposes, profiling carried out for direct marketing purposes and other legitimate interests in the processing of personal data concerning him or her.
The operator of this website shall no longer process the personal data in the event of the objection, unless we can demonstrate compelling legitimate grounds for the processing which override the interests, rights and freedoms of the data subject, or if the processing serves the purpose of asserting, exercising or defending legal claims.
To exercise the right to object, you may directly contact the Data Protection Officer of this website.

Right to revoke consent granted under data protection law
Every person affected by the processing of personal data has the right to revoke a given consent to the processing of personal data at any time.
If you wish to exercise your right to revoke consent, you may contact our data protection officer at any time.

Further rights
Every data subject also has the right to enforce his or her claims in court or to lodge a complaint with the competent data protection authority. The competent data protection authority in Switzerland is the Federal Data Protection and Information Commissioner (http://www.edoeb.admin.ch).

Purpose of data processing
Personal data is collected and processed – in addition to the purpose of fulfilling the contract, which mainly consists of the following: drawing up pension, financial and life plans – for the purpose of enabling the use of our website (establishing a connection), ensuring system security and stability on a permanent basis and enabling the optimization of our Internet offering, as well as for internal statistical purposes.
We collect, store and process personal data exclusively in accordance with the applicable legal provisions and only to the extent that this is necessary and required to fulfill the contractually assumed service obligations between us and the user or to provide the ordered products on our website. This also includes the storage of data for possible warranty claims after fulfillment of the contract.

In addition, we process personal data of you and other persons, insofar as permitted and it appears to us to be appropriate, also for the following purposes, in which we (and sometimes also third parties) have a legitimate interest corresponding to the purpose:

• Offering and further developing our offers, services and websites, apps and other platforms on which we are present
• Communicating with third parties, in particular with banks and insurance companies, in the context of fulfilling contracts and processing their requests
• Testing and optimizing procedures for needs analysis for the purpose of directly approaching customers, as well as collecting personal data from publicly available sources for the purpose of customer acquisition
• Market and opinion research, media monitoring
• Assertion of legal claims and defense in connection with legal disputes and official proceedings
• Prevention and investigation of criminal offences and other misconduct (e.g. conducting internal investigations, data analyses to combat fraud)
• Guarantees of our operations, in particular IT, our website, apps and other platforms
• Video surveillance to maintain housekeeping rights, other measures for IT, building and facility security, protection of our employees and other persons and assets belonging to or entrusted to us (such as access controls, visitor lists, network and mail scanners, telephone records)
• Purchase and sale of business units, companies or parts of companies and other transactions under company law and the associated transfer of personal data, as well as measures for business management and, where applicable, for compliance with legal and regulatory obligations and internal regulations.

In addition, we also use your data within the scope of applicable law for our own marketing purposes, in order to optimize our range of services, to meet your needs with us even more conveniently and individually, and to draw your attention to services and products in which you might be particularly interested.
Beyond this, personal data will only be processed if you have given your consent to this and have not revoked it.

Use of your data for advertising purposes
1. a) Principle
We use the data you provide to fulfill and process your inquiries and subsequently to recommend products and services that may be of interest to you.
2. b) Sending newsletters
The registration process for VVK AG newsletters takes place via the so-called double opt-in procedure: After sending the corresponding registration form, an e-mail is automatically sent to the address provided. In this e-mail, the recipient is asked to confirm her newsletter subscription by clicking on a link. Only with this confirmation will the entry in the distribution list be activated and the recipient will receive our newsletter in the future.
By subscribing to the newsletter and clicking on the confirmation link, the subscriber gives her express consent to receive the subscribed newsletter on a regular basis. Subscriptions to the newsletter are logged in order to be able to prove the subscription process in accordance with legal requirements. This includes the storage of the registration and confirmation time as well as the storage of the IP address. The subscriber can revoke the consent to the newsletter at any time by sending an e-mail to info@VVK.ch.

Legal basis for processing

General
We process your personal data primarily for the fulfillment of contractual obligations as well as for the fulfillment of legal obligations imposed on us. In addition, by accepting this Privacy Policy, you give your consent for all processing operations mentioned in this Privacy Policy. You can, of course, revoke your consent at any time, a corresponding declaration to info@VVK.ch is sufficient for this purpose. However, the processing operations carried out up to this point will not be affected by your revocation.

Legitimate interests
In addition to the aforementioned legal basis for data processing, we also process data on the basis of legitimate interests on our part. This relates in particular, but not only, to processing operations for marketing and advertising purposes. In doing so, we pursue the following interests:

• our own marketing purposes
• Ensuring the possibility of using the website
• Prevention of fraud
• ensuring the security and stability of IT systems
• internal statistical purposes

Disclosure of data
We will only pass on your personal data if you have expressly consented to this, if there is a legal obligation to do so or if this is necessary to enforce our rights, in particular to enforce claims arising from the contractual relationship. Furthermore, we will only pass on your data to third parties if this is necessary for the execution of the contract. These service providers use your data exclusively for order processing and not for any other purposes. VVK AG is also entitled to transfer your personal data to third companies abroad if this is necessary for the processing of the contract.

If a recipient is located in a country without adequate legal data protection, we contractually oblige the recipient to comply with the applicable data protection (for this purpose, we use the revised standard contractual clauses of the European Commission, which can be accessed here: https://eur-lex.europa.eu/eli/dec_impl/2021/914/oj?), unless the recipient is already subject 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 the case of legal proceedings abroad, but also in cases of overriding public interests or if the performance of a contract requires such disclosure, if you have consented or if it is a matter of data made generally available by you, the processing of which you have not objected to.

Retention period
We will retain your Personal Data for as long as we deem necessary or appropriate to comply with applicable laws or as long as it is necessary for the purposes for which it was collected. We will delete your Personal Data as soon as it is no longer needed and in any case after the maximum retention period required by law has expired. You may request the deletion of your personal data yourself at any time by sending us a request to this effect to info@VVK.ch. We will comply with your request immediately, unless we are obliged to continue to store the data for other reasons or need it to enforce claims, for example.

Rights of the users

Right of revocation
If you have given us permission to process personal data when using the website or ordering products, you can revoke this permission at any time. The revocation can be sent by e-mail or in writing to the contact points mentioned in section 2. The effects of the revocation are limited to the processing of personal data that may not already be processed without your consent due to legal permissions. Furthermore, the revocation has no effect on the previous processing operations which were carried out before the revocation.

Further rights
a) Information
Upon written request, we will provide you at any time with information about which of your personal data we have stored. The request for information must be made in writing and must include proof of identity (copy of ID, passport or other official identification document). The exercise of this right is free of charge once a year, for each additional request we reserve the right to charge an expense allowance.
b) Correction, deletion, restriction of processing
You also have the option of having us correct, block or delete your personal data at any time. For this purpose, please contact the office mentioned in section 2. The only exceptions to deletion are data that we need to process outstanding tasks or to enforce existing rights and claims, as well as data that we are required to retain by law. Such data will, however, be blocked for processes other than those mentioned.
c) Right of complaint
We attach great importance to the protection of the rights of our customers and thus also to the protection of your personal data. Should you nevertheless be of the opinion that we are processing your data unlawfully, you can contact us at any time by e-mail at info@VVK.ch. We will contact you as soon as possible. We will deal with your concerns to the best of our knowledge and belief.
If, contrary to expectations, our data protection officer is unable to assist you in a satisfactory manner, you may at any time submit your concerns to the Federal Data Protection and Information Commissioner in the form of a formal complaint.
d) Data portability
Upon written request, you also have the right to receive the personal data concerning you in a structured, common, machine-readable format for the purpose of transferring it to a third party. We reserve the right to charge an expense allowance for this.

Children’s data
As far as we are aware, we collect, process and use personal data from children only with the consent of their legal representative. Persons under the age of 16 must obtain the permission of their legal representative before transmitting personal data to us.
Accordingly, the use of our website by persons under the age of 16 who do not have the corresponding consent of their parents is generally not permitted.

Profiling and automated decision making
We process your personal data in part automatically with the aim of evaluating certain personal aspects (profiling). We use profiling in particular to be able to inform and advise you about products in a targeted manner. In doing so, we use evaluation tools that enable us to provide needs-based communication and advertising, including market and opinion research.

For the establishment and implementation of the business relationship and also otherwise, we generally do not use fully automated automatic decision-making (as regulated, for example, in Art. 22 DSGVO). Should we use such procedures in individual cases, we will inform you separately about this, insofar as this is required by law, and inform you about the associated rights.

Security measures
We use technical and organizational security measures to adequately protect your personal data against unauthorized access, misuse, accidental or intentional manipulation, loss or destruction. Technical security measures to protect your personal data are regularly reviewed and, if necessary, adapted to the state of the art.

Liability for links
We have no influence on the current and future design, content or authorship of the linked pages. Therefore, we hereby expressly distance ourselves from all contents of all linked pages that were changed after the link was set. This statement applies to all links and references set within our own Internet offer. For illegal, incorrect or incomplete contents and especially for damages resulting from the use or non-use of such information, only the provider of the linked page is liable, not the one who has linked to the respective publication.

Changes
VVK AG reserves the right to change this privacy policy at any time. The data protection declaration does not establish a contractual or other formal legal relationship with or on behalf of a party.

Privacy policy for objection advertising mails
The use of contact data published within the scope of the imprint obligation for the transmission of not expressly requested advertising and information materials is hereby contradicted. The operators of the pages expressly reserve the right to take legal action in the event of the unsolicited sending of advertising information, such as spam e-mails.

Chargeable services
For the provision of chargeable services, we request additional data, such as payment details, in order to be able to execute your order. We store this data in our systems until the legal retention periods have expired.

Use of Google Maps
This website uses the offer of Google Maps. This allows us to display interactive maps directly on the website and enables you to comfortably use the map function. By visiting the website, Google receives the information that you have accessed the corresponding subpage of our website. This occurs regardless of whether Google provides a user account through which you are logged in or whether there is no user account. If you are logged in to Google, your data will be directly assigned to your account. If you do not want the assignment with your profile at Google, you must log out before activating the button. Google stores your data as usage profiles and uses them for the purposes of advertising, market research and/or demand-oriented design of its website. Such an evaluation is carried out in particular (even for users who are not logged in) to provide needs-based advertising and to inform other users of the social network about your activities on our website. You have the right to object to the creation of these user profiles, whereby you must contact Google to exercise this right. For more information on the purpose and scope of data collection and processing by Google, as well as further information on your rights in this regard and settings options for protecting your privacy, please visit: www.google.de/intl/de/policies/privacy.

Google Ads
This website uses Google conversion tracking. If you have reached our website via an ad placed by Google, Google Ads will set a cookie on your computer. The conversion tracking cookie is set when a user clicks on an ad placed by Google. These cookies lose their validity after 30 days and are not used for personal identification. If the user visits certain pages of our website and the cookie has not yet expired, we and Google can recognize that the user clicked on the ad and was redirected to this page. Each Google Ads customer receives a different cookie. Cookies can therefore not be tracked through the website of Ads customers. The information obtained using the conversion cookie is used to create conversion statistics for Ads customers who have opted in to conversion tracking. Clients learn the total number of users who clicked on their ad and were redirected to a page tagged with a conversion tracking tag. However, they do not receive any information that can be used to personally identify users.
If you do not wish to participate in the tracking, you can refuse the setting of a cookie required for this – for example, via a browser setting that generally deactivates the automatic setting of cookies or set your browser so that cookies from the domain “googleleadservices.com” are blocked.
Please note that you may not delete the opt-out cookies as long as you do not want any measurement data to be recorded. If you have deleted all your cookies in the browser, you must set the respective opt-out cookie again.

Privacy policy for Google Analytics
This website uses Google Analytics, a web analytics service provided by Google Ireland Limited. If the data controller on this website is located outside the European Economic Area or Switzerland, then Google Analytics data processing is carried out by Google LLC. Google LLC and Google Ireland Limited are hereinafter referred to as “Google”.
The statistics obtained enable us to improve our offer and make it more interesting for you as a user. This website also uses Google Analytics for a cross-device analysis of visitor flows, which is carried out via a user ID. If you have a Google user account, you can deactivate the cross-device analysis of your usage in the settings there under “My data”, “Personal data”.

The legal basis for the use of Google Analytics is Art. 6 para. 1 p. 1 lit. f DS-GVO. The IP address transmitted by your browser as part of Google Analytics will not be merged with other data from Google. We would like to point out that on this website Google Analytics has been extended by the code “anonymizeIp ();” to ensure anonymized collection of IP addresses. This means that IP addresses are processed in abbreviated form, which means that they cannot be linked to a specific person. If the data collected about you is personally identifiable, this is immediately excluded and the personal data is deleted immediately.
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 for the purpose of evaluating your use of the website, compiling reports on website activity and providing other services relating to website activity and internet usage to the website operator. For the exceptional cases in which personal data is transferred to the USA, Google has submitted to the EU-US Privacy Shield, https://www.privacyshield.gov/EU-US-Framework.

Google Analytics uses cookies. The information generated by cookies about your use of this website is usually transferred to a Google server in the USA and stored there. You may refuse the use of cookies by selecting the appropriate settings on your browser. However, we would like to point out that in this case you may not be able to use all functions of this website to their full extent. You can also prevent the collection of data generated by the cookie and related to your use of the website (including your IP address) to Google and the processing of this data by Google by downloading and installing the browser plugin available at the following link: Disable Google Analytics.
In addition, you can also prevent the use of Google Analytics by clicking on this link: Disable Google Analytics. This will save a so-called opt-out cookie on your data carrier, which prevents the processing of personal data by Google Analytics. Please note that if you delete all cookies on your terminal device, these opt-out cookies will also be deleted, i.e. you will have to set the opt-out cookies again if you wish to continue to prevent this form of data collection. The opt-out cookies are set per browser and computer/end device and must therefore be activated separately for each browser, computer or other end device.

Privacy policy for Google AdSense
We use Google AdSense on this website. This is an advertising program of the company Google Inc. In Europe, the company Google Ireland Limited (Gordon House, Barrow Street Dublin 4, Ireland) is responsible for all Google services. Google AdSense allows us to display advertisements on this website that are relevant to our theme.
Google AdSense uses cookies to serve ads that are relevant to users, to improve campaign performance reports, or to prevent a user from seeing the same ads more than once. Via a cookie ID, Google records which ads are displayed in which browser and can thus prevent them from being displayed more than once. In addition, Google AdSense can use cookie IDs to record so-called conversions, which are related to ad requests. This is the case, for example, when a user sees a Google Ads ad and later calls up the advertiser’s website with the same browser and buys something there. According to Google, Google Ads cookies do not contain any personal information.

Due to the marketing tools used, your browser automatically establishes a direct connection with Google’s server. Through the integration of Google Ads, Google receives the information that you have called up the corresponding part of our website or clicked on an ad from us. If you are registered with a Google service, Google can assign the visit to your account. Even if you are not registered with Google or have not logged in, there is a possibility that Google will obtain and store your IP address.
You can prevent participation in this tracking process in various ways:
1. by adjusting your browser software accordingly; in particular, the suppression of third-party cookies will result in you not receiving ads from third-party providers
2. by disabling conversion tracking cookies by setting your browser to block cookies from the domain “www.googleadservices.com”, https://adssettings.google.com, which setting will be deleted when you delete your cookies
3. by disabling interest-based ads from the providers that are part of the “About Ads” self-regulatory campaign, via the link https://www.aboutads.info/choices, with this setting being deleted when you delete your cookies
4. by permanently disabling them in your Firefox, Internetexplorer or Google Chrome browsers at the link https://www.google.com/settings/ads/plugin. We would like to point out that in this case you may not be able to use all functions of this offer in full.

The legal basis for the processing of your data is a balancing of interests, according to which the processing of your personal data described above is not opposed by any overriding interests on your part (Art. 6 (1) sentence 1 lit. f DSGVO). You can find more information about Google Ads from Google at https://ads.google.com/intl/de_DE/home/, as well as about data protection at Google in general: https://www.google.de/intl/de/policies/privacy. Alternatively, you can visit the website of the Network Advertising Initiative (NAI) at https://www.networkadvertising.org.

Google Tag Manager
Google Tag Manager is a solution that allows us to manage so-called website tags via an interface, enabling us to integrate Google Analytics and other Google marketing services into our online offering, for example. The Tag Manager itself, which implements the tags, does not process any personal data of the users. With regard to the processing of users’ personal data, please refer to the following information on Google services. Usage guidelines: https://www.google.com/intl/de/tagmanager/use-policy.html.

Mouseflow
This website uses Mouseflow, a web analytics tool provided by Mouseflow ApS, Flaesketorvet 68, 1711 Copenhagen, Denmark. The purpose of data processing is to analyze this website and its visitors. For this purpose, data is collected and stored for marketing and optimization purposes. From this data, usage profiles can be created under a pseudonym. Cookies can be used for this purpose. With the web analysis tool Mouseflow, randomly selected individual visits (only with anonymized IP address) are recorded. This creates a log of mouse movements and clicks with the intention of randomly replaying individual website visits and deriving potential improvements for the website from them. The data collected with Mouseflow will not be used to personally identify the visitor to this website without the separately granted consent of the person concerned and will not be merged with personal data about the bearer of the pseudonym. The processing is carried out on the basis of Art. 6 (1) lit. f DSGVO from the legitimate interest in direct customer communication and in the design of the website in line with requirements. You have the right to object at any time to this processing of personal data relating to you based on Art. 6 (1) f DSGVO for reasons arising from your particular situation. To do so, you can deactivate a recording on all websites that use Mouseflow globally for your currently used browser under the following link: Deactivate Mouseflow

Privacy policy for LinkedIn
We use the marketing services of the social network LinkedIn of LinkedIn Ireland Unlimited Company, Wilton Plaza, Wilton Place, Dublin 2, Ireland (“LinkedIn”) within our online offer.
These use cookies, i.e. text files that are stored on your computer. This enables us to analyze your use of the website. For example, we can measure the success of our ads and show users products in which they were previously interested.
For example, information on the operating system, the browser, the website you previously visited (referrer URL), which websites the user visited, which offers the user clicked on, and the date and time of your visit to our website is collected.
The information generated by the cookie about your use of this website is transferred pseudonymously to a LinkedIn server in the USA and stored there. LinkedIn therefore does not store the name or email address of the respective user. Rather, the above-mentioned data is only assigned to the person for whom the cookie was generated. This does not apply if the user has allowed LinkedIn to process without pseudonymization or has a LinkedIn account.
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. You can also object to the use of your data directly at LinkedIn: https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out.
We use LinkedIn Analytics to analyze and regularly improve the use of our website. The statistics obtained allow us to improve our offer and make it more interesting for you as a user. All LinkedIn companies have adopted the standard contractual clauses to ensure that the data traffic to the USA and Singapore necessary for the development, implementation and maintenance of the services takes place in a lawful manner. If we ask users for consent, the legal basis for processing is Art. 6 (1) lit. a DSGVO. Otherwise, the legal basis for the use of LinkedIn Analytics is Art. 6 para. 1 p. 1 lit. f DSGVO.
Third-party provider information: LinkedIn Ireland Unlimited Company Wilton Place, Dublin 2 Ireland; User Agreement and Privacy Policy.

Audio and video conferencing
We use audio and video conferencing services to communicate with our users and others. In particular, we can use them to conduct audio and video conferences, virtual meetings, and training sessions such as webinars.
We only use services for which an appropriate level of data protection is guaranteed. In addition to this privacy policy, any terms and conditions of the services used, such as terms of use or privacy statements, also apply.
In particular, we use Zoom and Microsoft Teams. Further information on the type, scope and purpose of data processing can be found in the data protection guidelines and on the “Legal provisions and data protection” page of Zoom in each case.

Privacy policy for YouTube
Functions of the “YouTube” service are integrated on this website. “YouTube” is owned by Google Ireland Limited, a company incorporated and operated under the laws of Ireland, with its registered office at Gordon House, Barrow Street, Dublin 4, Ireland, which operates the services in the European Economic Area and Switzerland.
Your legal agreement with “YouTube” consists of the terms and conditions found at the following link: https://www.youtube.com/static?gl=de&template=terms&hl=de. These Terms constitute a legally binding agreement between you and “YouTube” regarding your use of the Services. Google’s Privacy Policy explains how “YouTube” treats and protects your personal information when you use the Service.

Contractual services
We process the data of our contractual partners and interested parties as well as other clients, customers, clients or contractual partners (uniformly referred to as “contractual partners”) in accordance with the data protection provisions of the German Federal Data Protection Act (Datenschutzgesetz, DSG) and the EU-DSGVO pursuant to Art. 6 para. 1 lit. b. DSGVO, in order to provide them with our contractual or pre-contractual services. The data processed in this context, the type, scope and purpose and the necessity of their processing, are determined by the underlying contractual relationship.
The data processed 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 contractual data (e.g. services used, contract content, 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 these are components of a commissioned or contractual processing.
We process data that are required for the justification and fulfillment of contractual services and point out the necessity of their disclosure, unless this is evident to the contractual partners. Disclosure to external persons or companies is made only if it is necessary in the context of a contract. When processing data provided to us in the context of an order, we act in accordance with the instructions of the client as well as the legal requirements.
In the context of the use of 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 users in protection against misuse and other unauthorized use. In principle, this data is not passed on to third parties, unless it is necessary for the pursuit of our claims pursuant to Art. 6 para. 1 lit. f. DSGVO or there is a legal obligation to do so pursuant to Art. 6 para. 1 lit. c. DSGVO.
The deletion of the data takes place when the data is no longer required for the fulfillment of contractual or legal duties of care as well as for dealing with any warranty and comparable obligations, whereby the necessity of keeping the data is reviewed at irregular intervals. In all other respects, the statutory retention obligations shall apply.

Note on data transfer to the USA
Among other things, tools from companies based in the USA are integrated on our website. If these tools are active, your personal data may be transferred to the US servers of the respective companies. We would like to point out that the USA is not a safe third country in the sense of EU data protection law. US companies are obliged to hand over personal data to security authorities without you as a data subject being able to take legal action against this. It can therefore not be ruled out that US authorities (e.g. intelligence services) process, evaluate and permanently store your data located on US servers for monitoring purposes. We have no influence on these processing activities.

Copyrights
The copyrights and all other rights to content, images, photos or other files on the website, belong exclusively to the operator of this website or the specifically named rights holders. For the reproduction of any 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 copyright holder may be liable to prosecution and possibly to damages.

General disclaimer
All information on our website has been carefully checked. We make every effort to ensure that the information we provide is up-to-date, correct and complete. Nevertheless, the occurrence of errors cannot be completely ruled out, which means that we cannot guarantee the completeness, correctness and up-to-dateness of information, including journalistic and editorial information. Liability claims regarding damage caused by the use of any information provided, including any kind of information which is incomplete or incorrect, will therefore be rejected.
The publisher may change or delete texts at his own discretion and without notice and is not obliged to update the contents of this website. The use of or access to this website is at the visitor’s own risk. The publisher, its clients or partners are not responsible for damages, such as direct, indirect, incidental, consequential or punitive damages, allegedly caused by the visit of this website and therefore assume no liability.
The publisher also assumes no responsibility or liability for the content and availability of third party websites that are accessible via external links from 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 that may be contrary to public morality.

Changes
We may amend this privacy policy at any time without prior notice. The current version published on our website shall apply. Insofar as the data protection declaration is part of an agreement with you, we will inform you of the change by e-mail or other suitable means in the event of an update.

Questions for the data protection officer
If you have any questions regarding data protection, please write us an email or contact directly the responsible person in our organization listed for data protection at the beginning of the privacy policy.
Teufen AR, 20.05.2023
Source: SwissAnwalt

Copyrights
The copyrights and all other rights to the content, images, photos or other files on this website, belong exclusively to the company VVK AG or the specifically named rights holders. The written consent of the copyright holder must be obtained in advance for the reproduction of any elements.

Source: SwissAnwalt

Legal notice

Consent / Terms of use / Disclaimer
By using the website www.VVK.ch (or any site redirected to this web address; hereinafter collectively referred to as the “VVK AG website”), containing information and opinions about financial markets and products, you declare that you have read and understood the following important legal information and that you expressly agree to the legally binding effect of the terms of use stated herein. These Terms of Use and all information and material on the VVK AG website are subject to change without notice.

Local legal restriction
All information on the VVK AG website is directed only at investors domiciled or resident in Switzerland. It is expressly not directed to any person or entity subject to the laws of any jurisdiction that prohibits the distribution or use of the information on the VVK AG website. Independent advice should be sought with respect to any sales restrictions on the legal principles applicable in the country concerned.
For reasons of US securities laws (in particular the Investment Advisors Act and the Dodd Frank Act) US resident persons are not allowed to visit this Website. By clicking on the “Accept” button you confirm that you are NOT a US resident.

No offer / no advice
The information on the VVK AG website does not constitute an offer or a recommendation to buy or sell investment funds or other financial products. The information is subject to change at any time. It cannot be excluded that the described asset management programs are not suitable for you. The information published on the VVK AG website does not constitute legal, tax, financial or asset management advice and is in no way a substitute for personal advice from a specialist.

Input fields
Any input fields contained on the VVK AG website do not serve the purpose of placing orders (purchase / sale of investment instruments) with VVK AG. Orders placed in this way will not be executed by VVK AG. No feedback will be sent to the senders.

Possible conflicts of interest
It is possible that VVK AG or its directors or employees have invested, are investing or will invest in investment instruments included on the VVK AG website. VVK AG or its directors or employees may therefore have an interest in the future price performance of investment instruments presented on the website.

Sales partner
The sales partner and its employees are independent of VVK AG. VVK AG does not assume any liability.

No warranty
VVK AG cannot make any representation or warranty, express or implied, as to the accuracy, reliability, completeness or timeliness of the information on the VVK AG website. All reports published on the VVK AG website are for information purposes only. They are expressly not to be regarded as advertising or an offer to buy or sell securities or the financial instruments associated with them. All price information is non-binding. The information, documents, (services) offered here do not release the user from the need to make his own decisions. Any views expressed are subject to change without notice. VVK AG is not obliged to update the information contained herein or to keep it up to date.
VVK AG assumes no responsibility and gives no guarantee that the functions on the website or the respective server are free of viruses, errors or harmful components.
The VVK AG website may contain third-party content or links to third-party websites. This content and links are provided solely for user convenience and information. VVK AG has no control over the content or websites of third parties, which is why no responsibility whatsoever is assumed for the accuracy, completeness and legality of the content of such websites or for any offers and (service) performances contained therein. Connecting to these pages or other websites is at your own risk.

No liability
To the fullest extent permitted by law, neither VVK AG nor any of its directors, employees or agents shall be liable in any manner whatsoever for any direct or indirect loss, liability, cost, claim, expense or damage of any kind, whether in contract, tort or otherwise, arising out of or in connection with the use of or access to this website. This also includes liability due to negligence and applies even if VVK AG was aware of the possibility of such consequences.
In addition, VVK AG rejects any liability for manipulation of the EDP system of the Internet user by third parties.

No security for data transmission
When you visit the VVK AG website, your data is transmitted over an open network that is accessible to anyone. The data can therefore be transmitted across borders, even if you and VVK AG are located in Switzerland. This involves the following risks in particular: On the contrary, the data can be viewed, intercepted or changed by third parties or can be lost. This could allow third parties to draw conclusions about any existing or future business relationship between you and VVK AG.
VVK AG is not liable to you or to others for any damage incurred in connection with messages sent to VVK AG by ordinary e-mail or any other electronic messaging system.

Intellectual Property Rights
The entire content of the VVK AG website is protected by copyright. You may save or print out a hard copy of individual pages and/or sections of the VVK AG website, provided that you do not remove any copyright or other proprietary notices. No intellectual property rights are transferred by downloading or printing out elements of the website. Publications or elements of the website may be reproduced in whole or in part (regardless of the form, whether electronically or printed), provided that the full source is acknowledged.

No prospectus
This website does not constitute a prospectus within the meaning of Swiss company or capital market law.

Applicable law and place of jurisdiction
Any legal relationship between the user of this website and VVK AG is subject to Swiss law. The place of jurisdiction is Teufen AR (Switzerland).