Privacy policy & legal matters

General note

Based on Article 13 of the Swiss Federal Constitution and the data protection provisions of the Swiss Confederation (Federal Act on Data Protection, FADP), every person 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 statutory data protection regulations and this privacy policy.

In cooperation with our hosting providers, we endeavor to protect the databases as well as possible against unauthorized access, loss, misuse or falsification.

We would like to point out that data transmission over the Internet (e.g. when communicating by email) may be subject to security vulnerabilities. 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 in accordance with the following description. This website can generally be visited without registration. Data such as pages called up or the name of the file called up, 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 email address, are collected on a voluntary basis as far as possible. No data will be passed on to third parties without your consent.

FinConTec AG (hereinafter referred to as “we”, “us”) respects the privacy of the users and customers of its website and has made their protection 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 utmost care and responsibility and in compliance with the relevant data protection regulations and on the basis of this privacy policy.

This also applies in particular to cooperation with partners and third parties that we engage to process 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 FinConTec AG collecting, processing and using the data in compliance with data protection laws and the following provisions. You can revoke your consent at any time with effect for the future.

FinConTec AG guarantees the confidential treatment of all stored personal data of the users of our websites.

In the context of this data protection declaration, we would like to inform you about how we guarantee the protection of the data you provide: We only collect, process and use personal data 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 ensure that these persons are aware of this privacy policy and only share their personal data with us if you are permitted to do so and if this personal data is correct.

This Privacy Policy is designed to meet the requirements of the EU General Data Protection Regulation (“GDPR“), the Swiss Federal Act on Data Protection (“FADP“) and the revised Federal Act on Data Protection (“nFADP“). However, whether and to what extent these laws are applicable depends on the individual case.

Body responsible for processing the data

The responsible body within the meaning of the data protection laws, in particular the EU General Data Protection Regulation (GDPR), is:

FinConTec AG
Hauptstrasse 53
9053 Teufen AR

Phone: 0049 (0) 71 333 46 65
Email: info@fincontec.ch
Website: fincontec.ch

Collection and processing of personal data

Personal data is any information relating 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 as part of our business relationship with them and other persons involved or that we collect from their users when operating our websites, apps and other applications.

Where 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, from authorities and other third parties. In addition to the data that you provide to 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 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 from your environment (family, advisors, legal representatives, etc.) provide to us so that we can conclude or process contracts with you or with your involvement (e.g. references, your address for deliveries, powers of attorney, etc.), information on compliance with legal requirements such as the fight against 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 your person (insofar as this is appropriate in the specific case, e.g. in the context of a job application, press releases, marketing/sales, etc.), your addresses and, if applicable, interests and other socio-demographic 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 the visit, pages and content accessed, functions used, referring website, 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 in connection with Art. 6 para. 1 GDPR – insofar as and to the extent that the EU-GDPR is applicable:

• point (a) Processing of personal data with the consent of the data subject.
• point (b) Processing of personal data for the performance of a contract with the data subject and for the implementation of corresponding pre-contractual measures.
• point (c) Processing of personal data to fulfill a legal obligation to which we are subject under any applicable EU law or under any applicable law of a country in which the GDPR is fully or partially applicable.
• point (d) Processing of personal data in order to protect the vital interests of the data subject or another natural person.
• point (f) Processing of personal data in order to protect the legitimate interests of us or third parties, unless the fundamental freedoms and rights and interests of the data subject prevail. Legitimate interests are, 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 user-related information on the user’s device while they are using the website. Cookies make it possible, in particular, to determine the frequency of use and number of users of the pages, to analyze the behavior 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 to happen, you should set your Internet browser to refuse to accept cookies.

A general objection to the use of cookies used for online marketing purposes can be declared for a large number of services, especially in the case of tracking, via the US website http://www.aboutads.info/choices/ or the EU website Your Online Choices | EDAA. Furthermore, the storage of cookies can be disabled in the browser settings. Please note that you may then not be able to use all the functions of this online offer.

Google Analytics

This website uses Google Analytics, a web analytics service provided by Google LLC (“Google”), on the basis of 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 this website is usually transmitted to a Google server in the USA and stored there. However, due to the 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 selecting the appropriate settings in your browser. You can also prevent Google from collecting the data generated by the cookie and relating to your use of the website and from processing this data by Google by downloading and installing the browser plug-in 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 the requests 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 via an open network such as the Internet or an email 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 displays “http://” and no lock symbol is displayed in your browser line. Information transmitted via the Internet and content received online may be transmitted via third-party networks. We cannot guarantee the confidentiality of messages or documents transmitted via such open networks or third-party networks.

If you disclose personal information via an open network or third-party networks, you should be aware of the fact that your data may be lost or that third parties may potentially access this information and consequently collect and use the data without your consent. Although 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 live in the same country, data is often transmitted via such networks without controls, including via third countries, i.e. countries that do not offer the same level of data protection as your country of domicile. We accept no responsibility for the security of your data during transmission via the Internet and disclaim any liability for direct or indirect losses. We ask you to use other means of communication if you consider this necessary or reasonable for security reasons.

Despite extensive technical and organizational security precautions, data may be lost or intercepted and/or manipulated by unauthorized persons. We take suitable technical and organizational security measures as far as possible to prevent this within our system. However, your computer is located outside the security area under our 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 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 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 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 of the American Google LLC use cookies, among other things, and as a result, data is transferred to Google in the USA, whereby we assume that no personal tracking takes place in this context solely through the use of our website.

Google has undertaken to guarantee appropriate data protection in accordance with the US-European and 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 details from the inquiry form, including the contact details you provide there, will be stored by us for the purpose of processing the inquiry and in the event of follow-up questions. We will 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 email address from you as well as information that allows us to verify that you are the owner of the email address provided and that you 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 are not posting anonymously, the user name you have chosen will be stored.

Storage of the IP address

Our comment function stores the IP addresses of users who post comments. As we do not check comments on our site before they are activated, we need this data in order to be able to take action against the author in the event of legal violations such as insults or propaganda.

Subscribe to comments

As a user of the site, you can subscribe to comments after registering. You will receive a confirmation email to check whether you are the owner of the email address provided. You can unsubscribe from this function at any time via a link in the info mails.

Rights of data subjects

Right to confirmation

Each data subject has the right to obtain from the website operator confirmation as to whether or not personal data concerning him or her are being processed. If you wish to exercise this right of confirmation, you can contact the data protection officer at any time.

Right to information

Any person affected by the processing of 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 them and a copy of this information. In addition, the following information may also be provided:

• the purposes of processing
• the categories of personal data that are processed
• the recipients to whom the personal data have been or will be disclosed
• where possible, the envisaged period for which the personal data will be stored, or, if not possible, the criteria used to determine that period
• the existence of the right to request from the controller rectification or erasure of personal data or restriction of processing of personal data concerning the data subject or to object to such processing
• the existence of a 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 origin of the data

Furthermore, the data subject has a right to information as to 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 obtain information about the appropriate safeguards in connection with the transfer.

If you would like to make use of this right to information, you can contact our data protection officer at any time.

Right to rectification

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

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

Right to erasure (right to be forgotten)

Any person affected by the processing of personal data has the right to demand from the person responsible for this website that the personal data concerning them be deleted immediately, provided that one of the following reasons applies and insofar as the processing is not necessary:

• The personal data were collected or otherwise processed for purposes for which they are no longer necessary
• The data subject withdraws consent on which the processing is based and where there is no other legal ground 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 associated profiling
• The personal data was processed unlawfully
• The deletion of personal data is necessary to fulfill a legal obligation under Union law or the law of the Member States to which the controller is subject
• The personal data was collected in relation to information society services offered directly to a child

If one of the above reasons applies and you wish to have personal data stored by the operator of this website deleted, you can contact our data protection officer at any time. The data protection officer of this website will ensure that the request for deletion is complied with immediately.

Right to restriction of processing

Any person affected by the processing of personal data has the right to request the controller of this website to restrict the 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 and the data subject opposes the erasure of the personal data and requests the restriction of their use instead
• The controller no longer needs the personal data for the purposes of the processing, but they are required by the data subject for the establishment, 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 grounds of the controller override those of the data subject

If one of the above conditions is met and you wish to request the restriction 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 restriction of processing.

Right to data portability

Any person affected by the processing of personal data has the right to receive the personal data concerning them in a structured, commonly used and machine-readable format. They also have the right to have this data transmitted to another controller if the legal requirements are met.

Furthermore, the data subject shall have the right to have the personal data transmitted directly from one controller to another, where technically feasible and provided that this does not adversely affect the rights and freedoms of others.

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

Right to object

Any person affected 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 of personal data concerning him or her, in particular for the purposes of direct marketing, profiling 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 an 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 establishment, exercise or defense of legal claims.

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

Right to withdraw consent under data protection law

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

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

Further rights

Every data subject 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 your rights are our obligations.

Purpose of data processing

The collection and processing of personal data takes place – in addition to the purpose of fulfilling the contract, which mainly consists of the following: creating pension, financial and life plans for the comprehensible presentation of the financial situation – for the purpose of enabling the use of our websites (connection establishment), to ensure system security and stability in the long term and to enable the optimization of our Internet offer, as well as for internal statistical purposes.

We collect, store and process personal data exclusively in accordance with the applicable statutory provisions and only insofar as this is necessary and required to fulfill the contractual performance 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 also process personal data of you and other persons for the following purposes, where permitted and where we deem it appropriate, in which we (and sometimes third parties) have a legitimate interest corresponding to the purpose:

• Offering and further developing our products, services and websites, apps and other platforms on which we are present;
• Communication with third parties, in particular with banks and insurance companies in the context of contract fulfillment and processing their requests;
• Examination and optimization of procedures for needs analysis for the purpose of direct customer contact and collection of personal data from publicly accessible 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 offenses and other misconduct (e.g. conducting internal investigations, data analysis to combat fraud);
• Guarantees of our operations, in particular IT, our websites, apps and other platforms;
• Video surveillance to safeguard domiciliary rights and other measures for IT, building and facility security and protection of our employees and other persons and assets belonging to or entrusted to us (e.g. access controls, visitor lists, network and mail scanners, telephone recordings);
• Purchase and sale of business divisions, 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 compliance with legal and regulatory obligations and internal regulations.

In addition, we also use your data for our own marketing purposes within the framework of applicable law in order to optimize our range of services, to be able 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.

Furthermore, personal data will only be processed if you have given your consent and have not revoked it.

Use of your data for advertising purposes

• a) Principle
  We use the data you provide to fulfill and process your requests and then to recommend products and services that may be of interest to you.
• b) Sending of newsletters
  The registration process for newsletters of FinConTec AG takes place via the so-called double opt-in procedure: After submitting the corresponding registration form, an email is automatically sent to the address provided. In this email, the recipient is asked to confirm her newsletter subscription by clicking on a link. Only with this confirmation will the entry in the mailing list be activated and the recipient will receive our newsletter in future.

By subscribing to the newsletter and clicking on the confirmation link, the subscriber gives their 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 storing the time of registration and confirmation as well as the IP address. The subscriber can revoke their consent to the newsletter at any time by sending an email to info@fincontec.ch.

Legal basis for the 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 withdraw your consent at any time by sending a corresponding declaration to info@fincontec.ch. However, the processing operations carried out up to this point in time will not be affected by your revocation

Legitimate interests

In addition to the aforementioned legal bases for data processing, we also process data on the basis of legitimate interests on our part. This applies in particular, but not exclusively, to processing for marketing and advertising purposes. We pursue the following interests:

• Own marketing purposes
• Ensuring the usability of the website
• Prevention of fraud
• Ensuring the security and stability of IT systems
• Internal statistical purposes

Forwarding of data

We 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. In addition, we will only pass on your data to third parties if this is necessary to process the contract. These service providers use your data exclusively for order processing and not for any other purposes. FinConTec AG is also entitled to transfer your personal data to third parties abroad if this is necessary for the execution 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 law (we use the revised standard contractual clauses of the European Commission, which can be found here: EUR-Lex – 32021D0914 – EN – EUR-Lex), unless the recipient is already subject to a legally recognized set of rules to ensure data protection and we cannot rely on an exemption clause. 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 given your consent or if the data in question has been made generally accessible by you and you have not objected to its processing.

Duration of storage

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 required and in any case after the maximum retention period prescribed by law. You can request the deletion of your personal data yourself at any time by sending us a corresponding request to info@fincontec.ch. We will comply with your request immediately, unless we are obliged to retain your data for other reasons or need it to enforce claims, for example.

Rights of the users

Right of withdrawal

If you have given us your consent to process your personal data when using the websites or ordering products, you can revoke this consent at any time. The revocation can be sent by email 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. The revocation also has no effect on the previous processing operations that were carried out before the revocation.

Further rights

• a) Information
  Upon written request, we will provide you with information at any time about what personal data we have stored about you. 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; we reserve the right to charge a fee for any further requests.

• b) Correction, deletion, restriction of processing
  You also have the option of having your personal data corrected, blocked or deleted by us at any time. To do so, please contact the office named in section 2. The only data excluded from deletion is data that we require to complete outstanding tasks or to enforce existing rights and claims, as well as data that we are required to retain by law. However, such data will be blocked for processes other than those mentioned.

• c) Right to lodge a complaint
  We attach great importance to safeguarding the rights of our customers and therefore also to protecting 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 email at info@fincontec.ch . 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 help you in a satisfactory manner, you have the option of submitting your request to the Federal Data Protection and Information Commissioner at any time 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, commonly used, machine-readable format for transmission to a third party. We reserve the right to charge a fee for this.

Children data

As far as we are aware, we only collect, process and use personal data from children with the consent of their legal representative. Persons under the age of 16 must obtain the permission of their legal representative before providing us with personal data.

Accordingly, the use of our websites 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 partially automatically with the aim of evaluating certain personal aspects (profiling). We use profiling in particular to provide you with targeted information and advice about products. 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 any fully automated automatic decision-making (such as regulated in Art. 22 GDPR). 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.

Safety measures

We apply 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 whatsoever on the current and future design, content or authorship of the linked pages. We therefore hereby expressly distance ourselves from all content of all linked pages that have been changed since the link was created. This statement applies to all links and references set within our own Internet offer. Liability for illegal, incorrect or incomplete content and in particular for damages resulting from the use or non-use of such information lies solely with the provider of the page to which reference is made, and not with the person who merely refers to the respective publication via links.

Changes 

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

Privacy policy for objection to advertising emails

We hereby object to the use of contact data published within the scope of the imprint obligation for the purpose of sending advertising and information material that has not been expressly requested. The operators of this website expressly reserve the right to take legal action in the event of the unsolicited sending of advertising information, such as spam emails.

Chargeable services

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

Use of Google Maps

This website uses Google Maps. This allows us to show you interactive maps directly on the website and enables you to use the map function conveniently. When you visit 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 no user account exists. If you are logged in to Google, your data will be assigned directly to your account. If you do not wish your data to be associated with your Google profile, 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 the needs-based 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 its processing by Google, as well as further information on your rights in this regard and setting options to protect your privacy, please visit: Privacy Policy – Privacy Policy & Terms of Use – Google.

Google Ads

This website uses Google Conversion Tracking. If you have reached our website via an advertisement 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 via the websites of Ads customers. The information collected using the conversion cookie is used to generate conversion statistics for Ads customers who have opted for conversion tracking. Customers are told the total number of users who clicked on their ad and were redirected to a page with a conversion tracking tag. However, they do not receive any information that can be used to personally identify users.

If you do not wish to participate in the tracking, you can refuse the setting of a cookie required for this – for example, by setting your browser to generally deactivate the automatic setting of cookies or to set your browser so that cookies from the domain “googleleadservices.com” are blocked.

Please note that you must not delete the opt-out cookies as long as you do not wish 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 controller responsible for data processing on this website is located outside the European Economic Area or Switzerland, Google Analytics data processing is carried out by Google LLC. Google LLC and Google Ireland Limited are hereinafter referred to as “Google”.

We can use the statistics obtained 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 use in the settings there under “My data”, “Personal data”.

The legal basis for the use of Google Analytics is Art. 6 (1) (f) GDPR. The IP address transmitted by your browser as part of Google Analytics will not be merged with other Google data. We would like to point out that on this website Google Analytics has been extended by the code “anonymizeIp ();” to ensure an anonymized collection of IP addresses. As a result, IP addresses are further processed in abbreviated form, so 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 transmitted to a Google server in the USA and shortened there. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, to compile reports on website activity and to provide 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, EU-US Framework.

Google Analytics uses cookies. The information generated by the cookie about your use of this website is usually transmitted 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 please note that if you do this you may not be able to use the full functionality of this website. You can also prevent Google from collecting the data generated by the cookie and relating to your use of the website (including your IP address) and from processing this data by Google by downloading and installing the browser plug-in available at the following link: Deactivate Google Analytics.

You can also prevent the use of Google Analytics by clicking on this link: Deactivate Google Analytics. This will store an 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 end device, these opt-out cookies will also be deleted, i.e. you will have to set the opt-out cookies again if you want to continue to prevent this form of data collection. The opt-out cookies are set for each 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 topic.

Google AdSense uses cookies to display ads that are relevant to users, to improve campaign performance reports or to prevent a user from seeing the same ads more than once. Google uses a cookie ID to record 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 visits the advertiser’s website with the same browser and makes a purchase 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 the Google 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 advertisement 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 find out your IP address and store it.

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

• by setting your browser software accordingly; in particular, the suppression of third-party cookies means that you will not receive any ads from third-party providers;
• by deactivating cookies for conversion tracking by setting your browser to block cookies from the domain www.googleadservices.com, https://adssettings.google.com, whereby this setting is deleted when you delete your cookies;
• by deactivating the interest-based ads of the providers that are part of the “About Ads” self-regulation campaign via the link https://www.aboutads.info/choices, whereby this setting is deleted when you delete your cookies
• by permanently deactivating it in your Firefox, Internet Explorer or Google Chrome browsers under 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 website 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 GDPR). For more information on Google Ads from Google, please see Online advertising made easy – Simply more customers with Google Ads, as well as on data protection at Google in general: Privacy Policy – Privacy Policy & Terms of Use – Google. 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 with which we can manage so-called website tags via an interface and thus, for example, integrate Google Analytics and other Google marketing services into our online offering. The Tag Manager itself, which implements the tags, does not process any personal user data. With regard to the processing of users’ personal data, please refer to the following information on Google services. Usage guidelines: Google Tag Manager Use Policy | Google Tag Manager – Google.

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 analyse this website and its visitors. For this purpose, data is collected and stored for marketing and optimisation purposes. From this data, user profiles can be created under a pseudonym. Cookies may be used for this purpose. With the web analysis tool Mouseflow, randomly selected individual visits (only with anonymised 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 this. 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 GDPR 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) GDPR for reasons arising from your particular situation. To do so, you can deactivate a recording on all websites that use Mouseflow globally for the browser you are currently using at 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 offering.

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 advertisements and show users products that they were previously interested in.

For example, information about 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 are recorded.

The information generated by the cookie about your use of this website is transferred to a LinkedIn server in the USA in pseudonymized form 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 the data 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 analyse and regularly improve the use of our website. The statistics obtained enable 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. Where we ask users for consent, the legal basis for processing is Art. 6 (1) lit. a GDPR. Otherwise, the legal basis for the use of LinkedIn Analytics is Art. 6 para. 1 p. 1 lit. f GDPR.

Information from the third-party provider: 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 persons. In particular, we can use them to conduct audio and video conferences, virtual meetings and training courses such as webinars.

We only use services that guarantee an appropriate level of data protection. In addition to this privacy policy, any terms and conditions of the services used, such as terms of use or privacy policies, also apply.

We use Zoom and Microsoft Teams in particular. 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.

Privacy policy for YouTube

Functions of the “YouTube” service are integrated on this website. “YouTube” belongs to Google Ireland Limited, a company registered and operated under Irish law 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 form a legally binding agreement between you and “YouTube” regarding the use of the services. Google’s privacy policy explains how “YouTube” handles your personal data and protects your data when you use the service.

Contractual services

We process the data of our contractual partners and interested parties as well as other clients, customers, customers 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 Data Protection Regulation (EU-GDPR) pursuant to Art. 6 (1) lit. b. GDPR. GDPR, 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 its 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 data (e.g. email addresses and telephone numbers) as well as contract data (e.g. services used, contract content, contractual communication, names of contact persons) and payment data (e.g. bank details, payment history).

In principle, we do not process special categories of personal data unless they are part of commissioned or contractual processing.

We process data that is required to justify and fulfill the contractual services and point out the necessity of its disclosure, unless this is evident to the contractual partners. Disclosure to external persons or companies only takes place if it is necessary within the framework of a contract. When processing the data provided to us as part of an order, we act in accordance with the instructions of the client and the legal requirements.

When using our online services, we may store the IP address and the time of the respective user action. The storage is based on our legitimate interests, as well as the interests of users in protection against misuse and other unauthorised use. As a matter of 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. GDPR or there is a legal obligation to do so pursuant to Art. 6 para. 1 lit. c. GDPR.

The data is deleted when it is no longer required for the fulfillment of contractual or statutory duties of care and for dealing with any warranty and comparable obligations, whereby the necessity of storing the data is reviewed at irregular intervals. Otherwise, the statutory retention obligations 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 within the meaning of EU data protection law. US companies are obliged to disclose 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. secret services) may process, evaluate and permanently store your data on US servers for surveillance purposes. We have no influence on these processing activities.

Copyrights

The copyright 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. The written consent of the copyright holder must be obtained in advance for the reproduction of all files.

Anyone who commits a copyright infringement without the consent of the respective rights holder may be liable to prosecution and may be liable for 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 arising from material or immaterial damage caused by the use of the information provided are excluded, unless there is evidence of willful intent or gross negligence.

The publisher may change or delete texts at its own discretion and without notice and is not obliged to update the content 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, accidental, pre-determined or consequential damages, which are allegedly caused by visiting this website and therefore accept no liability for them.

The publisher also accepts 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 pages are solely responsible for their content. The publisher therefore expressly distances itself from all third-party content that may be relevant under criminal or liability law or offend common decency.

Changes

We may amend this privacy policy at any time without prior notice. The current version published on our website shall apply. If the privacy policy is part of an agreement with you, we will inform you of the change by email or other suitable means in the event of an update.

Questions to the Data Protection Officer

If you have any questions about data protection, please send us an email or contact the person responsible for data protection in our organization listed at the beginning of this privacy policy.

Teufen AR, 20.05.2023
Source: SwissAnwalt

Copyrights

The copyright and all other rights to content, images, photos or other files on this website belong exclusively to FinConTec 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.

Legal information

Consent / Terms of use / Disclaimer

By using the website www.fincontec.ch (or a page redirected to this web address; hereinafter referred to collectively as the “FinConTec AG website”), which contains information and opinions on 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 FinConTec AG website are subject to change without notice.

Local legal restriction

All information on the FinConTec AG website is directed only at investors domiciled or resident in Switzerland. It is expressly not directed at natural or legal persons who are subject to the laws of a country that prohibits the distribution or use of the information on the FinConTec AG website. Independent advice should be sought on the legal principles applicable in the country concerned with regard to any sales restrictions.

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 FinConTec AG website constitutes neither an offer nor a 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 asset management programs described are not suitable for you. The information published on the FinConTec 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 FinConTec AG website are not intended for placing orders (purchase/sale of investment instruments) with FinConTec AG. Orders placed in this way will not be executed by FinConTec AG. No feedback will be sent to the senders.

Possible conflicts of interest

It is possible that FinConTec AG or its directors or employees have invested, are investing or will invest in investment instruments that are included on the FinConTec AG website. FinConTec AG or its directors or employees may therefore 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 FinConTec AG. FinConTec AG assumes no liability whatsoever.

No guarantee

FinConTec AG cannot give any explicit or implicit assurance or warranty with regard to the accuracy, reliability, completeness or up-to-dateness of the information on the FinConTec AG website. All reports published on the FinConTec 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 related financial instruments. All price information is non-binding. The information, documents, services, performances etc. offered here do not release the user from the need to make his or her own decisions. Any views expressed are subject to change without prior notice. FinConTec AG is under no obligation to update the information contained herein or to keep it up to date.

FinConTec 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 FinConTec AG website may contain third-party content or links to third-party websites. These contents and links are provided solely for the purpose of user-friendliness and information. FinConTec AG has no control over the content or websites of third parties, which is why no responsibility is assumed for the accuracy, completeness and legality of the content of such websites or for any offers and services contained therein. The creation of links to these pages or other websites is at the user’s own risk.

No liability

To the fullest extent permitted by law, neither FinConTec 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 FinConTec AG was informed of the possibility of such consequences.

FinConTec AG also rejects any liability for manipulation of the Internet user’s IT system by third parties.

No security for data transmission

When you visit the FinConTec AG website, your data is transmitted via an open network that is accessible to everyone. The data can therefore be transmitted across borders, even if you and FinConTec AG are located in Switzerland. This entails the following risks in particular: Rather, the data may be viewed, intercepted or altered by third parties or may be lost. This could allow third parties to draw conclusions about any existing or future business relationship between you and FinConTec AG.

FinConTec AG shall not be liable to you or any other person for any damages arising in connection with messages sent to FinConTec AG by ordinary email or any other electronic messaging system.

Intellectual property law

The entire content of the FinConTec AG website is protected by copyright. The saving or printing of individual pages and/or parts of the FinConTec AG website is permitted, provided that neither the copyright notices nor other legally protected designations are removed. No intellectual property rights are transferred with the downloading or printing of elements of the website. Publications or elements of the website may be reproduced in whole or in part (in whatever form, whether electronically or in print), provided that full acknowledgement of the source is given.

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 FinConTec AG is subject to Swiss law. The place of jurisdiction is Teufen AR (Switzerland).