Privacy policy

Introduction

This privacy policy describes how HelveBroker SA (hereinafter "we", "our" or "the company"), operating the site devistroisiemepilier.ch, collects, uses, stores and protects your personal data.

We are committed to respecting your privacy and processing your data in accordance with the Swiss Federal Act on Data Protection (FADP) and, where applicable, the General Data Protection Regulation (GDPR) of the European Union.

Data collected

We collect the following categories of personal data:

• Identification data: surname, first name, date of birth, email address, telephone number.
• Profile data: age, family situation, canton of residence, nationality, professional status.
• Financial data: approximate income, information about existing pension plans, savings goals (only transmitted as part of a quote request).
• Browsing data: IP address, browser type, pages visited, visit duration, traffic source.
• Cookie data: session identifiers, display preferences, analytics data.

Data usage

Your personal data is used for the following purposes:

• Processing your request: analysing your profile and providing you with a personalised 3rd pillar offer.
• Connecting you with partners: transmitting your request to relevant insurance and financial partners to prepare offers.
• Communication: contacting you by telephone or email to follow up on your request and inform you of available offers.
• Service improvement: analysing browsing behaviour to optimise our site and tools (calculators, comparison tools).
• Legal obligations: complying with our regulatory obligations regarding anti-money laundering and compliance.

Data storage and security

Your personal data is stored on secure servers located in Switzerland or the European Economic Area. We implement appropriate technical and organisational measures to protect your data against any unauthorised access, modification, disclosure or destruction.

These measures include:

• SSL/TLS encryption of all communications between your browser and our server.
• Restricted access to personal data, limited to authorised personnel.
• Regular and secure data backups.
• Continuous monitoring of systems and access.

Your data is retained for the duration necessary to process your request and for a maximum of 5 years after your last contact with us, unless a longer legal retention obligation applies.

Sharing data with our partners

As part of our comparison service, your data may be transmitted to our partner insurers and financial institutions so that they can provide you with a personalised offer. These partners are subject to strict confidentiality obligations and may only use your data for the purposes of your request.

We never sell your personal data to third parties. Sharing is limited to the following cases:

• Partner insurers and financial institutions as part of your quote request.
• Technical service providers (hosting, analytics) necessary for the operation of the site.
• Competent authorities in cases of legal obligation.

Cookies and tracking technologies

Our site uses cookies and similar technologies to improve your browsing experience and analyse site usage. We distinguish the following categories:

• Essential cookies: necessary for the operation of the site (session, security). They cannot be disabled.
• Analytics cookies: help us understand how visitors use the site (Google Analytics or equivalent). Data is anonymised.
• Marketing cookies: used to measure the effectiveness of our advertising campaigns and offer you relevant content.

You can manage your cookie preferences at any time via the consent banner or your browser settings. Refusing non-essential cookies does not affect the basic operation of the site.

Your rights

In accordance with the Swiss FADP and the European GDPR, you have the following rights regarding your personal data:

• Right of access: obtain a copy of the personal data we hold about you.
• Right of rectification: request the correction of inaccurate or incomplete data.
• Right to erasure: request the deletion of your personal data, subject to our legal retention obligations.
• Right to restriction: request the restriction of processing of your data in certain circumstances.
• Right to data portability: receive your data in a structured, machine-readable format.
• Right to object: object to the processing of your data for direct marketing purposes.
• Right to withdraw consent: withdraw your consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal.

To exercise these rights, please contact us at the address indicated below. We are committed to responding to your request within 30 days.

Contact

For any questions regarding the protection of your data or to exercise your rights, please contact our data protection officer:

Changes to this policy

We reserve the right to modify this privacy policy at any time. Any changes will be published on this page with the updated date. We encourage you to regularly check this page to stay informed about our data protection practices.