DISCLAIMER/LEGAL INFORMATION

General Notice

In accordance with Article 13 of the Swiss Federal Constitution and the data protection regulations of the Swiss Confederation (Data Protection Act, DSG), every individual is entitled to protection of their privacy and 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 much as possible against unauthorized access, loss, misuse or falsification.

Please be aware that data transmission over the Internet (e.g. communication via email) may have security vulnerabilities. It is not possible to provide complete protection of data against access by third parties.

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. During this process, data such as accessed pages or names of accessed files, date and time are stored on the server for statistical purposes, without this data being directly linked to your person. Personal data, such as name, address or email address, is collected on a voluntary basis whenever possible. No data will be disclosed to third parties without your consent.

VVK AG (referred to as “we,” “us”) respects the privacy of users and customers of its internet presence and considers the protection of such privacy a top priority in all internet activities. This means that we commit to treating the information you provide with the utmost care and responsibility at all times, in compliance with relevant data protection laws and based on this privacy policy.

This commitment also applies, especially, to cooperation with partners and third parties engaged by us for contract execution. We will never disclose or sell your data to third parties unless you expressly agree.

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 future effect.

VVK AG guarantees the confidential treatment of all stored personal data of users of our website.

Within the framework of this privacy policy, we would like to inform you about how we ensure 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 applicable data protection law.

If you provide us with personal data of other individuals (e.g. family members, work colleagues’ data), please ensure that these individuals are aware of this privacy policy and only share their personal data with us if you are authorized to do so and if the personal data is accurate.

This privacy policy is designed to comply with the requirements of the EU General Data Protection Regulation (“GDPR“), the Swiss Data Protection Act (“DSG“), and the revised Swiss Data Protection Act (“revDSG“). However, the applicability of these laws depends on the individual case.

 

Responsible party for processing the data

The responsible party for processing the data as defined by data protection laws, particularly the EU General Data Protection Regulation (GDPR), 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 refers to any information relating to a specific or identifiable individual. An affected person is an individual whose personal data is being processed. Processing includes any handling of personal data, regardless of the means and procedures applied, including storage, disclosure, acquisition, deletion, storage, alteration, destruction and use of personal data.

We primarily process the personal data that we receive from our customers and other business partners, as well as from other individuals involved, within the scope of our business relationship or that we collect from users of our website, apps, and other applications.

To the extent permitted, we also obtain 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, authorities, and other third parties. In addition to the data directly provided by you, the categories of personal data we receive from third parties about you include information from public registers, information obtained in connection with administrative and judicial proceedings, information related to your professional functions and activities (so that, for example, we can conclude and process transactions with your employer with your assistance), information about you in correspondence and discussions with third parties, credit reports (when we conduct personal business with you), information about you provided by individuals in your environment (family, advisors, legal representatives, etc.) to enable us to conclude or process contracts with you or involving you, such as references, your delivery address, powers of attorney, information regarding compliance with legal requirements such as anti-money laundering and export restrictions, information from banks, insurance companies, distributors and other contractual partners of ours for the provision or use of services by you (e.g. payments made, purchases made), information from media and the Internet about you (where appropriate in specific cases, such as within the scope of an application, press review, marketing/sales, etc.), your addresses, and potentially interests and other socio-demographic data (for marketing purposes), data related to the use of the website (e.g. IP address, smartphone or computer MAC address, information about your device and settings, cookies, date and time of the visit, accessed pages and content, used functions, referring websites, location data).

We process personal data in accordance with Swiss data protection law. Furthermore, we process personal data in accordance with the following legal bases relating to Article 6 (1) of the EU General Data Protection Regulation (GDPR), to the extent applicable:

• a) Processing of personal data with the consent of the data subject.
• b) Processing of personal data for the performance of a contract with the data subject and for the implementation of corresponding pre-contractual measures.
• c) Processing of personal data to fulfill a legal obligation to which we are subject under any applicable law of the EU or under any applicable law of a country where the GDPR is wholly or partially applicable.
• d) Processing of personal data to protect the vital interests of the data subject or another natural person.
• e) Processing of personal data to safeguard our legitimate interests or those of third parties, unless the fundamental freedoms and rights and interests of the data subject prevail. Legitimate interests, in particular, include our business interest in being able to provide our website, information security, the enforcement of our legal claims, and compliance with Swiss law.

We process personal data for the duration necessary for the respective purpose(s). In the case of longer retention obligations based on 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 allow specific user-related information to be stored on the user’s device while they are using the website. Cookies enable the determination of usage frequency and the number of users of the pages, analysis of user behavior on the website and the creation of a more user-friendly offering. Cookies are stored beyond the end of a browser session and can be accessed again when the user revisits the website. If you do not wish for this to happen, you should configure your internet browser to refuse the acceptance of cookies.

A general objection to the use of cookies for online marketing purposes, especially for tracking, can be declared on the US website http://www.aboutads.info/choices/ or the EU website http://www.youronlinechoices.com/. Furthermore, the storage of cookies can be prevented by disabling them in the browser settings. Please note that in this case, not all functions of this online offering may be fully usable.

 

Google Analytics

Based on our legitimate interests (interest in optimizing our online offering), this website uses Google Analytics, a web analytics service provided by Google LLC (“Google”). Google Analytics uses cookies, which are text files stored on your computer that enable an analysis of your website usage. The information generated by the cookie about your use of this website is generally transmitted to and stored on a Google server in the United States. However, due to IP anonymization on this website, your IP address will be truncated and anonymized by Google beforehand. Google is certified under the Privacy Shield Agreement.

You can prevent the storage of cookies by adjusting your browser settings accordingly. Furthermore, you can prevent Google from collecting and processing the data generated by the cookie regarding your use of the website by downloading and installing the browser plugin available at the following link.

 

Privacy Policy for SSL/TLS Encryption

For security reasons and to protect the transmission of confidential content, such as the inquiries you send to us as the website operator, this website uses SSL/TLS encryption. You can recognize an encrypted connection by the change in the browser’s address bar from “http://” to “https://” and the padlock symbol in your browser bar.

When SSL/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 email service without SSL encryption, can be accessed by anyone. You can recognize an unencrypted connection by the “http://” in the browser’s address bar and the absence of a padlock symbol in your browser bar. Information transmitted over the Internet and content received online may be transmitted through networks of third-party providers. We cannot guarantee the confidentiality of communications or documents transmitted over such open networks or networks of third-party providers.

If you disclose personal information over an open network or networks of third-party providers, you should be aware that your data may be lost or potentially accessed by third parties, and therefore, the data may be collected and used without your consent. While individual data packets are often encrypted during transmission, the names of the sender and recipient are not. Even if the sender and recipient reside in the same country, data transmission through such networks frequently occurs without controls, including to third countries, i.e. countries that do not offer the same level of data protection as your country of domicile. We do not assume responsibility for the security of your data during transmission over the Internet and disclaim any liability for direct and indirect losses. If you consider it necessary or reasonable for security reasons, please use other means of communication.

Despite extensive technical and organizational security measures, data may be lost or intercepted by unauthorized parties and/or manipulated. We take appropriate technical and organizational security measures within our system to prevent this as far as possible. However, your computer is outside the security area controlled by us. As a user, it is your responsibility to inform yourself about the necessary security precautions and take appropriate measures in this regard. As the website operator, we are not liable for any damages that may arise from data loss or manipulation.

Data provided in online forms may be passed on to authorized third parties for order processing and may be viewed and, if necessary, processed by these parties.

 

Privacy Policy for Server Log Files

The provider of this website automatically collects and stores information in server log files that your browser automatically transmits to us. These are:

• Browser type and browser version
• Operating system used
• Referrer URL
• Hostname of the accessing computer
• Server request time

These data cannot be attributed to specific individuals. These data are not merged with other data sources. We reserve the right to retrospectively check these data if we become aware of concrete indications of unlawful 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 provided by the American Google LLC may use cookies, and as a result, data is transmitted to Google in the United States. We assume that within this framework, no personal tracking takes place solely through the use of our website.

Google has committed to ensuring adequate data protection in accordance with the US-European and US-Swiss Privacy Shield frameworks.

Further information can be found in Google’s Privacy Policy.

 

Privacy Policy for Contact Form

If you submit inquiries to us via the contact form, your information from the inquiry form, including the contact details you provided, will be stored by us for the purpose of processing the inquiry and in case of follow-up questions. We will not disclose this data without your consent.

 

Privacy Policy for Newsletter Data

If you wish to subscribe to the newsletter offered on this website, we require an email address from you, as well as information that allows us to verify that you are the owner of the specified email address and agree to receive the newsletter. No further data is 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 email address, and its 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, information about the time the comment was created, your email address, and, if you do not post anonymously, the username you have chosen are 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 published, we need this data in order to take action against the author in the event of legal infringements such as insults or propaganda.

Comment Subscription

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 specified email address. You can unsubscribe from this function at any time via a link in the information emails.

 

Rights of Affected Individuals

Right to Confirmation

Every affected person has the right to request confirmation from the website operator whether personal data concerning them is being processed. If you wish to exercise this right to confirmation, you can contact the data protection officer at any time.

 

Right to Information

Every individual affected by the processing of personal data has the right to obtain free information from the operator of this website at any time about the personal data stored about them and to receive a copy of this information. Furthermore, information can be provided on the following, if applicable:

• The purposes of the processing
• The categories of personal data being processed
• The recipients to whom the personal data has been or will be disclosed, if possible
• The planned duration for which the personal data will be stored, or if not possible, the criteria used to determine that duration
• The existence of the right to rectify or erase personal data concerning them or to restrict the processing by the data controller, or the right to object to such processing
• The right to lodge a complaint with a supervisory authority
• If the personal data is not collected from the data subject: all available information about the source of the data

Furthermore, the data subject has the right to be informed whether personal data has been transferred to a third country or to an international organization. If this is the case, the data subject also has the right to be informed about the appropriate safeguards relating to the transfer.

If you wish to exercise this right to information, you can contact our data protection officer at any time.

 

Right to Rectification

Every individual affected by the processing of personal data has the right to request the immediate rectification of any inaccurate personal data concerning them. Furthermore, the data subject has the right to request the completion of incomplete personal data, taking into account the purposes of the processing, including by means of a supplementary statement.

If you wish to exercise this right to rectification, you can contact our data protection officer at any time.

 

Right to Erasure (Right to be Forgotten)

Every individual affected by the processing of personal data has the right to request the erasure of personal data concerning them from the data controller without undue delay if one of the following grounds applies and the processing is not necessary:

• The personal data is no longer necessary for the purposes for which it was collected or otherwise processed.
• The data subject withdraws consent on which the processing is based, and there is no other legal ground for the processing.
• The data subject objects to the processing for reasons arising from their particular situation, and there are no overriding legitimate grounds for the processing, or the data subject objects to the processing for direct marketing purposes.
• The personal data has been unlawfully processed.
• The erasure of personal data is necessary to comply with a legal obligation under Union or Member State law to which the data controller is subject.
• The personal data has been collected in relation to the offer of information society services directly to a child.

If any of the above grounds apply and you want to request the erasure 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 ensure that the request for erasure is complied with without undue delay.

 

Right to Restriction of Processing

Every individual affected by the processing of personal data has the right to request the restriction of processing from the data controller of this website if one of the following conditions is met:

• The accuracy of the personal data is contested by the affected individual, for a duration that allows the data controller to verify the accuracy of the personal data.
• The processing is unlawful, and the affected individual opposes the deletion of the personal data and instead requests the restriction of the use of the personal data.
• The data controller no longer needs the personal data for the purposes of processing, but the affected individual requires it for the establishment, exercise or defense of legal claims.
• The affected individual has objected to the processing based on their particular situation, and it is not yet determined whether the legitimate grounds of the data controller override those of the affected individual.

If any of the above conditions apply and you wish to request the restriction of personal data stored by the operator of this website, you can contact our appointed data protection officer at any time. The data protection officer of this website will initiate the restriction of processing.

 

Right to Data Portability

Every individual affected by the processing of personal data has the right to receive the personal data concerning them, which they have provided to the data controller, in a structured, commonly used and machine-readable format. They also have the right to transmit this data to another data controller, where technically feasible and without adversely affecting the rights and freedoms of others.

To exercise the right to data portability, you can contact the data protection officer appointed by the operator of this website at any time.

 

Right to Object

Every individual affected by the processing of personal data has the right, at any time, to object, on grounds relating to their particular situation, to the processing of their personal data, including profiling for direct marketing purposes and other legitimate interests pursued by the data controller.

In the event of objection, the operator of this website will no longer process the personal data unless compelling legitimate grounds for the processing override the interests, rights, and freedoms of the affected individual, or the processing is necessary for the establishment, exercise, or defense of legal claims.

To exercise the right to object, you can directly contact the data protection officer of this website.

 

Right to Withdraw a Data Protection Consent

Every individual affected by the processing of personal data has the right to withdraw their consent to the processing of their personal data at any time.

If you want to exercise your right to withdraw consent, you can contact our data protection officer at any time.

 

Further Rights

Every affected individual also has the right to enforce their 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 (https://www.edoeb.admin.ch).

 

Purpose of Data Processing

The collection and processing of personal data are carried out, in addition to the purpose of fulfilling contracts, which mainly consist of creating retirement, financial and life plans, for the purpose of enabling the use of our website (establishing a connection), ensuring the ongoing security and stability of the systems, enabling the optimization of our online offerings, and for internal statistical purposes.

We collect, store, and process personal data exclusively in accordance with applicable legal regulations and only to the extent necessary for fulfilling the contractual obligations between us and the user, as well as for providing the ordered products on our website. This also includes the storage of data for potential warranty claims after contract fulfillment.

Additionally, we process personal data from you and other individuals, as permitted and appropriate, for the following purposes, in which we (and occasionally third parties) have a legitimate interest corresponding to the purpose:

• Offering and further development of our services, products, websites, apps and other platforms on which we are present.
• Communication with third parties, especially banks and insurance companies, in the context of contract fulfillment and processing their inquiries.
• Evaluation and optimization of procedures for needs analysis to directly address customers and collection of personal data from publicly accessible sources for customer acquisition.
• Market research, opinion polling and media monitoring.
• Asserting legal claims and defending against legal disputes and administrative proceedings.
• Prevention and investigation of crimes and other misconduct (e.g. conducting internal investigations, data analysis for fraud prevention).
• Ensuring the operation, especially the IT, of our website, apps and other platforms.
• Video surveillance to protect property rights, other measures for IT, building and facility security, protection of our employees and other individuals, and our assets (such as access controls, visitor lists, network and email scanners, telephone recordings).
• Purchase and sale of business areas, companies or parts of companies and other corporate transactions, including the transfer of personal data, as well as measures for business management and compliance with legal and regulatory obligations and internal rules.

Furthermore, we use your data for our own marketing purposes in accordance with applicable laws, in order to optimize our service offerings, better meet your needs and inform you about services and products that may be of particular interest to you.

Moreover, personal data processing only takes place if you have given your explicit consent and have not revoked it.

Use of Your Data for Advertising Purposes

1. a) Principle
   We use the data provided by you to fulfill and process your requests and subsequently recommend products and services that may be of interest to you.
2. b) Sending Newsletters
   The registration process for newsletters from VVK AG follows the so-called double opt-in procedure: After submitting the corresponding registration form, an email is automatically sent to the provided address. This email asks the recipient to confirm their newsletter subscription by clicking a link. Only with this confirmation, the entry in the distribution list is activated, and the recipient will receive our newsletter in the future.

By subscribing to the newsletter and clicking on the confirmation link, the subscriber expressly consents to receiving the subscribed newsletter regularly. Newsletter registrations are logged to demonstrate compliance with legal requirements for the registration process. This includes storing the registration and confirmation timestamps, as well as the IP address. The subscriber can revoke their consent to receive the newsletter at any time by sending an email to info@VVK.ch.

 

Legal Basis for Processing

General

We primarily process your personal data to fulfill contractual obligations and to fulfill legal obligations imposed on us. By accepting this privacy policy, you also give your consent to all processing operations mentioned in this privacy policy. You can revoke your consent at any time by sending a corresponding statement to info@VVK.ch. However, this revocation does not affect the processing operations that have been carried out until that point.

 

Legitimate Interests

In addition to the aforementioned legal bases for data processing, we also process data based on our legitimate interests. This includes, but is not limited to, processing operations for marketing and advertising purposes. We pursue the following interests:

• Our own marketing purposes
• Ensuring the usability of the website
• Fraud prevention
• Ensuring the security and stability of IT systems
• Internal statistical purposes

 

Disclosure of Data

We only disclose your personal data if you have expressly consented to it, if there is a legal obligation to do so, or if it is necessary to enforce our rights, especially to enforce claims arising from the contractual relationship. Furthermore, we only disclose your data to third parties if it is necessary for contract processing. These service providers use your data exclusively for order processing and not for other purposes. VVK AG is authorized to transfer your personal data to third-party companies abroad if this is necessary for contract processing.

If a recipient is located in a country without adequate legal data protection, we contractually obligate the recipient to comply with applicable data protection regulations (for this purpose, we use the revised standard contractual clauses of the European Commission, which can be found here: https://eur-lex.europa.eu/eli/dec_impl/2021/914/oj). This is applicable unless the recipient is already subject to a legally recognized framework for ensuring data protection and we cannot rely on an exemption provision. An exemption may apply, in particular, in foreign legal proceedings, as well as in cases of overriding public interests or if contract processing requires such disclosure, if you have consented, or if it concerns data made generally accessible by you and you have not objected to its processing.

 

Retention Period

We retain your personal data for as long as we consider it necessary or appropriate to comply with applicable laws, or as long as they are necessary for the purposes for which they were collected. We delete your personal data once they are no longer needed, and in any case, after the legally prescribed maximum retention period has expired. You can request the deletion of your personal data at any time by submitting a corresponding request to info@VVK.ch. We will promptly comply with your request unless we are obligated to retain the data for other reasons or require it for the enforcement of claims.

 

Rights of the Users

Right of Withdrawal

If you have provided us with consent for the processing of personal data in the context of using the website or ordering products, you can withdraw your consent at any time. The withdrawal can be made by email or in writing to the contact details mentioned in section 2. The effects of the withdrawal are limited to the processing of personal data that cannot already be processed without your consent based on legal permission. The withdrawal also does not affect the processing operations that were carried out prior to the withdrawal.

 

Additional Rights

1. a) Information
   Upon written request, we will provide you with information at any time regarding the personal data stored about you. The request for information must be made in writing and accompanied by proof of identity (copy of ID, passport or other official identification document). The exercise of this right is free of charge once a year, and for any additional requests, we reserve the right to charge a reasonable fee.
2. b) Correction, Deletion, Restriction of Processing
   You also have the option to have your personal data corrected, blocked or deleted by us at any time. Please contact the contact point mentioned in section 2 for this purpose. The deletion applies exclusively to data that we no longer need for pending tasks or the enforcement of existing rights and claims, as well as data that we are required to retain by law. However, such data will be blocked for purposes other than those mentioned.
3. c) Right to Lodge a Complaint
   We attach great importance to safeguarding the rights of our customers, including the protection of your personal data. If, nevertheless, you believe that we are processing your data unlawfully, you can contact us at any time via email at info@VVK.ch. We will do our best to address your concerns with the utmost care and diligence.
   If, contrary to expectations, our data protection officer cannot assist you satisfactorily, you have the option to submit a formal complaint to the Federal Data Protection and Information Commissioner.
4. d) Data Portability
   Upon written request, you also have the right to receive the personal data concerning you in a structured, commonly used, machine-readable format for the purpose of transmitting it to a third party. We reserve the right to charge a reasonable fee for this service.

 

Data of Children

Where it is evident to us, we only collect, process and use personal data of children with the consent of their legal representatives. Individuals under the age of 16 must obtain permission from their legal guardian before transmitting personal data to us.

Accordingly, the use of our website by individuals under the age of 16 who do not have the appropriate consent from their parents is generally prohibited.

 

Profiling and Automated Decision Making

We partially process your personal data automatically with the aim of evaluating certain personal aspects (profiling). We use profiling in particular to inform and advise you about products in a targeted manner. To achieve this, we use evaluation tools that enable us to communicate and advertise tailored to your needs, including market research and opinion polls.

In the establishment and execution of the business relationship and otherwise, we generally do not use fully automated decision-making processes (as regulated in Article 22 of the GDPR). If we use such procedures in individual cases, we will inform you separately, if required by law, and provide you with information about the associated rights.

 

Security Measures

We implement 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 for the protection of your personal data are regularly reviewed and adjusted to the state of the art if necessary.

 

Liability for Links

We have no influence over the current and future design, content or authorship of linked pages. Therefore, we expressly distance ourselves from all contents of all linked pages that have been changed after the link was set. This statement applies to all links and references placed within our own internet offer. The provider of the respective page, to which reference was made, is solely liable for illegal, incorrect or incomplete contents and especially for damages arising from the use or non-use of such information provided, not the one who merely refers to the respective publication through links.

 

Changes

VVK AG reserves the right to modify this privacy policy at any time. The privacy policy does not create any contractual or other formal legal relationship with or on behalf of a party.

 

Privacy Policy for Objection to Promotional Emails

The use of contact data published within the scope of imprint obligations for sending unsolicited advertisements and information materials is hereby objected to. The operators of the pages expressly reserve the right to take legal action in the event of unsolicited sending of promotional information, such as through spam emails.

 

Paid Services

To provide paid services, we may request additional data from you, such as payment information, in order to process your order or request. We store this data in our systems until the legal retention periods have expired.

 

Use of Google Maps

This website uses the services of Google Maps. This allows us to display interactive maps directly on the website and enables you to conveniently use the map function. By visiting the website, Google receives information that you have accessed the corresponding subpage of our website, regardless of whether Google provides a user account through which you are logged in or if there is no user account. If you are logged in to your Google account, your data will be directly associated with your account. If you do not wish for this association with your Google profile, you must log out before activating the button. Google stores your data as usage profiles and uses them for advertising, market research, and/or personalized website design purposes. Such evaluation is carried out, in particular (even for users who are not logged in), to provide targeted 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, but you must contact Google to exercise this right. For more information on the purpose and scope of data collection and its processing by Google, as well as additional information regarding your rights and privacy settings, please visit: www.google.com/intl/en/policies/privacy.

 

Google Ads

This website uses Google Conversion Tracking. If you have accessed our website through an advertisement displayed by Google, a conversion tracking cookie will be placed on your computer by Google Ads. The cookie for conversion tracking is set when a user clicks on an advertisement served by Google. These cookies expire 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 that page. Each Google Ads customer receives a different cookie, so cookies cannot be tracked through the websites of Ads customers. The information obtained through the use of conversion cookies is used to create conversion statistics for Ads customers who have opted for conversion tracking. The customers are provided with 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 information that personally identifies users.

If you do not wish to participate in tracking, you can reject the necessary setting of a cookie by adjusting your browser settings to disable the automatic setting of cookies or by blocking cookies from the domain “googleleadservices.com”.

Please note that you must not delete the opt-out cookies if you do not wish to record measurement data. 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 for data processing 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 will be referred to as “Google” below.

The statistics obtained help us improve our offering and make it more interesting for you as a user. In addition, this website uses Google Analytics for cross-device analysis of visitor traffic, which is carried out using a User-ID. If you have a Google user account, you can disable 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(1)(f) of the GDPR. The IP address transmitted by your browser as part of Google Analytics is not merged with other Google data. We would like to point out that on this website, Google Analytics has been expanded with the code “anonymizeIp();” to ensure anonymized collection of IP addresses. This means that IP addresses are shortened and cannot be directly linked to individuals. If any data collected about you has a personal reference, it will be immediately excluded, and the personal data will be deleted promptly.

Only in exceptional cases will the full IP address be transmitted to a Google server in the United States and shortened there. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, compile reports on website activity, and provide other services related to website activity and internet usage to the website operator. For exceptional cases in which personal data is transferred to the United States, 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 transmitted to and stored on a Google server in the United States. You can prevent the storage of cookies by adjusting your browser software accordingly. However, please note that if you do this, you may not be able to use all the functions of this website to their full extent. Furthermore, you can prevent the collection of data generated by the cookie and related to your use of the website (including your IP address) and the processing of this data by Google by downloading and installing the browser plug-in available at the following link: Disable Google Analytics.

You can also prevent the use of Google Analytics by clicking on the following link: Disable Google Analytics. This will store an opt-out cookie on your device, preventing the processing of personal data by Google Analytics. Please note that if you delete all cookies on your device, these opt-out cookies will be deleted as well. Therefore, if you want to continue preventing this form of data collection, you must set the opt-out cookies again. The opt-out cookies are set for each browser and device and must be activated separately for each browser, device or computer.

 

Privacy Policy for Google AdSense

We use Google AdSense on this website. This is an advertising program provided by Google Inc. In Europe, the company responsible for all Google services is Google Ireland Limited (Gordon House, Barrow Street Dublin 4, Ireland). With Google AdSense, we can display advertisements on this website that are relevant to our content.

Google AdSense uses cookies to display ads that are relevant to users, improve campaign performance reports, or prevent a user from seeing the same ads multiple times. Through a cookie ID, Google captures which ads are displayed in which browser and can prevent them from being shown repeatedly. Additionally, Google AdSense can capture conversions, which are related to ad requests, using cookie IDs. This occurs, for example, when a user sees a Google Ads ad and later visits the advertiser’s website with the same browser and makes a purchase. According to Google, Google Ads cookies do not contain personally identifiable information.

Due to the marketing tools used, your browser automatically establishes a direct connection with Google’s server. By integrating Google Ads, Google receives information that you have accessed the corresponding part of our website or clicked on an ad from us. If you are registered with a Google service, Google can associate the visit with your account. Even if you are not registered with Google or not logged in, there is a possibility that Google will learn and store your IP address.

You can prevent participation in this tracking process in various ways:

• By adjusting your browser software settings, in particular, suppressing third-party cookies, which will prevent you from receiving ads from third-party providers.
• By deactivating cookies for conversion tracking by setting your browser to block cookies from the domain “www.googleadservices.com,” available at https://adssettings.google.com. Please note that this setting will be deleted if you delete your cookies.
• By deactivating interest-based ads from providers that are part of the self-regulation campaign “About Ads” via the link https://www.aboutads.info/choices. Please note that this setting will be deleted if you delete your cookies.
• By permanently deactivating in your browsers Firefox, Internet Explorer or Google Chrome using the link https://www.google.com/settings/ads/plugin. Please note that in this case, you may not be able to use all the features of this service to their full extent.

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/en_uk/home/, as well as about data protection at Google in general: https://policies.google.com/privacy?hl=en. 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 website tags, such as Google Analytics and other Google marketing services, through an interface. The Tag Manager itself, which implements the tags, does not process any personal data of users. Regarding the processing of users’ personal data, please refer to the information provided for the Google services. Usage policies: https://www.google.com/intl/en/tagmanager/use-policy.html.

 

Mouseflow

This website uses Mouseflow, a web analytics tool provided by Mouseflow ApS, Flaesketorvet 68, 1711 Copenhagen, Denmark. The data processing serves the purpose of analyzing this website and its visitors. Data is collected and stored for marketing and optimization purposes. From this data, usage profiles can be created under a pseudonym. Cookies may be used for this purpose. With the Mouseflow web analytics tool, randomly selected individual visits (only with anonymized IP addresses) are recorded. This creates a log of mouse movements and clicks with the intention of playing back random samples of individual website visits and deriving potential improvements for the website. The data collected with Mouseflow is not used to personally identify the visitor of this website or combined with personal data of the pseudonym’s carrier without separate consent. The processing is based on Art. 6(1)(f) of the GDPR, serving the legitimate interest in direct customer communication and the demand-oriented design of the website. You have the right to object, on grounds relating to your particular situation, at any time to the processing of personal data concerning you based on Art. 6(1)(f) of the GDPR. To do so, you can deactivate recording on all websites using Mouseflow globally for your current browser by following this link: Deactivate Mouseflow

 

Privacy Policy for LinkedIn

Within our online offering, we use the marketing services of the social network LinkedIn, provided by LinkedIn Ireland Unlimited Company, Wilton Plaza, Wilton Place, Dublin 2, Ireland (“LinkedIn”).

These services utilize cookies, which are text files stored on your computer. This enables us to analyze your usage of the website. For example, we can measure the success of our advertisements and display products to users that they have previously shown interest in.

The collected information includes details about the operating system, browser, previously visited website (referrer URL), web pages visited by the user, offers clicked on by the user, and the date and time of your visit to our website.

The information generated by the cookie regarding your use of this website is pseudonymized and transmitted to a LinkedIn server in the United States, where it is stored. LinkedIn does not store the name or email address of the respective user. Instead, the above-mentioned data is associated only with the user for whom the cookie was generated. This does not apply if the user has allowed LinkedIn to process their data without pseudonymization or has a LinkedIn account.

You can prevent the storage of cookies by adjusting your browser settings accordingly; however, please note that in this case, you may not be able to fully utilize all the functions of this website. You can also directly object to the use of your data by LinkedIn: https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out.

We use LinkedIn Analytics to analyze and regularly improve the usage of our website. Through the obtained statistics, we can enhance our offering and make it more interesting for you as a user. All LinkedIn companies have accepted the standard contractual clauses to ensure that the necessary data traffic for the development, implementation and maintenance of the services takes place in a lawful manner to the United States and Singapore. If we ask users for consent, the legal basis for processing is Art. 6(1)(a) of the GDPR. Otherwise, the legal basis for using LinkedIn Analytics is Art. 6(1)(f) of the GDPR.

Third-party information: LinkedIn Ireland Unlimited Company, Wilton Place, Dublin 2, Ireland; User Agreement and Privacy Policy.

 

Audio and Video Conferences

We use audio and video conferencing services to communicate with our users and other individuals. This enables us to conduct audio and video conferences, virtual meetings, as well as trainings such as webinars.

We only use services that ensure adequate data protection. In addition to this privacy policy, the respective terms and conditions of the services used, such as usage terms or privacy policies, also apply.

In particular, we use Zoom and Microsoft Teams. Further information regarding the type, scope, and purpose of data processing can be found in the privacy policies and on the “Legal and Privacy” page of Zoom.

 

Privacy Policy for YouTube

This website incorporates features of the “YouTube” service. “YouTube” is owned by Google Ireland Limited, a company registered and operated under Irish law, with its headquarters located 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 provisions and terms that can be found at the following link: https://www.youtube.com/static?gl=en&template=terms&hl=en. These provisions constitute a legally binding agreement between you and “YouTube” regarding the use of the services. In Google’s privacy policy, it is explained how “YouTube” handles your personal data and protects your data when using the service.

 

Contractual Services

We process data of our contractual partners, interested parties, and other clients, customers, principals, or contractual partners (collectively referred to as “contractual partners”) in accordance with the data protection regulations of the federal government (Data Protection Act, DSG) and the EU General Data Protection Regulation (GDPR) based on Art. 6(1)(b) GDPR in order to provide them with our contractual or pre-contractual services. The data processed, the type, scope, purpose and necessity of their processing are determined by the underlying contractual relationship.

The processed data includes the master data of our contractual partners (e.g. names and addresses), contact details (e.g. email addresses and phone numbers), contract data (e.g. services used, contract contents, contractual communication, names of contact persons) and payment data (e.g. bank details, payment history).

We generally do not process special categories of personal data unless they are part of a commissioned or contractually required processing.

We process data that is necessary for the establishment and fulfillment of contractual services and indicate the necessity of their provision, provided it is not evident to the contractual partners. Disclosure to external individuals or companies only takes place if it is necessary within the scope of a contract. When processing data entrusted to us as part of an order, we act in accordance with the instructions of the contracting parties and legal requirements.

In the context of 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 users’ interests in protecting against misuse and other unauthorized use. In principle, this data is not disclosed to third parties unless it is necessary to pursue our claims pursuant to Art. 6(1)(f) GDPR or there is a legal obligation to do so pursuant to Art. 6(1)(c) GDPR.

The data is deleted when it is no longer necessary for the fulfillment of contractual or legal obligations of care, as well as for handling any warranty and similar obligations, whereby the necessity of retaining the data is reviewed at irregular intervals. The statutory retention obligations apply otherwise.

 

Note on Data Transfer to the USA

On our website, tools from companies based in the USA are integrated, among others. When 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 considered a safe third country under EU data protection law. US companies are obligated to disclose personal data to security authorities without the possibility for you as the data subject to take legal action against it. Therefore, it cannot be ruled out that US authorities (e.g., intelligence agencies) process, evaluate and permanently store your data located on US servers for surveillance purposes. We have no influence over these processing activities.

 

Copyright

The copyrights and all other rights to the content, images, photos, or other files on the website belong exclusively to the operator of this website or the specifically named rights holders. Prior written consent of the copyright holder must be obtained for the reproduction of any files.

Anyone who commits copyright infringement without the consent of the respective rights holder may be liable to prosecution and, if applicable, liable for damages.

 

General Disclaimer

All information on our website has been carefully checked. We strive to offer up-to-date, accurate and complete information in our informational offerings. However, the occurrence of errors cannot be completely ruled out, and therefore we cannot guarantee the completeness, accuracy and timeliness of information, including journalistic-editorial content. Liability claims for damages of a material or non-material nature caused by the use of the offered information are excluded, provided that there is no verifiably intentional or grossly negligent fault.

The publisher reserves the right to modify or delete texts at its own discretion and without notice and is not obligated to update the contents of this website. The use 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, specific or consequential damages allegedly caused by visiting 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 can be accessed via external links on this website. The operators of the linked sites are solely responsible for their content. The publisher expressly distances itself from all third-party content that may be criminally or legally relevant or that violates good morals.

 

Changes

We reserve the right to make changes to this privacy policy at any time without prior notice. The current version published on our website applies. If the privacy policy is part of an agreement with you, we will inform you about the changes via email or by other suitable means.

 

Questions for the Data Protection Officer

If you have any questions regarding data protection, please write to us by email or contact the responsible person listed at the beginning of the privacy policy in our organization.

Teufen AR, 20.05.2023
Source: SwissAnwalt

Copyright

The copyrights and all other rights to the content, images, photos, or other files on this website belong exclusively to VVK AG or the specifically mentioned 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 a page redirected to this web address; hereinafter collectively referred to as “VVK AG website”) containing information and opinions about financial markets and products, you declare that you have read and understood the following important legal notices and expressly agree to be legally bound by the terms of use mentioned here. These terms of use, as well as all information and all material on the VVK AG website, may be changed without prior notice.

 

Local Legal Restrictions

All information on the VVK AG website is intended solely for investors domiciled or resident in Switzerland. It is explicitly not intended for natural or legal persons subject to the laws of a state that prohibits the distribution or use of information on the VVK AG website. With regard to any sales restrictions, independent advice should be sought on the applicable legal principles in the respective country.

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 recommendation to buy or sell investment funds or other financial products. The information is subject to change at any time. It cannot be ruled out that the described asset management programs may not be suitable for you. The information published on the VVK AG website is not legal, tax, financial or asset management advice and in no way replaces personal advice from a specialist.

 

Input Fields

Any input fields contained on the VVK AG website are not for 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

VVK AG or its board members or employees may have invested, are investing or will invest in investment instruments contained on the VVK AG website. Therefore, VVK AG or its board members or employees may have an interest in the future performance of investment instruments presented on the website.

 

Sales Partner

The sales partner and its employees are independent of VVK AG. VVK AG assumes no liability.

 

No Warranty

VVK AG cannot provide any explicit or implicit assurance or warranty regarding the accuracy, reliability, completeness, or timeliness of the information on the VVK AG website. All reports published on the VVK AG website are for informational purposes only. They are expressly not to be regarded as advertising or an offer to buy or sell securities or related financial instruments. All price information is non-binding. The information, documents, (service) offerings, etc. provided here do not exempt the user from the need to make their own decisions. Any expressed views are subject to change without prior notice. VVK AG is not obliged to update or keep the information contained herein up to date.

VVK AG assumes no responsibility and provides 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 these links are provided solely for user convenience and information. VVK AG has no control over the content or websites of third parties and therefore assumes no responsibility for the accuracy, completeness and legality of the content of such websites, as well as for any offers and (service) offerings contained therein. Connecting to these sites or other websites is done at your own risk.

 

No Liability

To the extent permitted by law, neither VVK AG nor any of its directors, employees or agents shall be liable in any way for direct or indirect losses, claims, costs, demands, expenses or damages of any kind, whether based on contract or tort law or other legal bases arising from the use or access to these websites or related thereto. This includes liability arising from negligence, even if VVK AG was informed of the possibility of such consequences.

Furthermore, VVK AG disclaims any liability for manipulations of the Internet user’s computer system by third parties.

 

No Security for Data Transmission

When you visit the VVK AG website, your data is transmitted over an open, publicly accessible network. The data can therefore be transmitted across borders, even if you and VVK AG are located in Switzerland. This includes the following risks in particular: The data can be viewed, intercepted, altered or lost by third parties. 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 others for any damages arising in connection with messages sent to VVK AG via ordinary email or any other electronic messaging system.

 

Intellectual Property Rights

The entire content of the VVK AG website is protected by copyright. Saving or printing individual pages and/or sections of the VVK AG website is permitted as long as the copyright notices and other legally protected designations are not removed. Downloading or printing elements of the website does not transfer any intellectual property rights. Publications or elements of the website may be reproduced in whole or in part (regardless of the form, whether electronic or printed) as long as the complete source reference is provided.

 

No Prospectus

This website does not constitute a prospectus within the meaning of Swiss corporate or capital market law.

 

Applicable Law and Place of Jurisdiction

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