Skip to content A. GENERAL INFORMATION
In diesem Abschnitt erfährst du, wer für die Bearbeitung deiner Daten verantwortlich ist, an wen du dich bei Fragen und Beschwerden zum Datenschutz wenden kannst, wie wir deine Daten schützen und wie du deine Daten allgemein schützen kannst.
This privacy policy is designed to meet the requirements of the Swiss Data Protection Act (“DPA”). However, whether and to what extent these laws are applicable depends on the individual case
I. Person responsible
The responsible body for the collection and use of your personal data when using our service within the meaning of the data protection laws is the:
Creo Finanz AG
Zählerweg 5
6300 Zug
If you have any questions about the collection and use of data, you can contact us at any time.
II. Data security & data protection-friendly default settings
1. data security
Creo Finanz takes appropriate security measures to protect the confidentiality, integrity and availability of your personal data, to protect it against unauthorized or unlawful processing and to counteract the risks of loss, unintentional alteration, unwanted disclosure or unauthorized access.
2. privacy-friendly default settings
To remove or clean up existing cookies or similar technologies from other sites, you can make privacy-friendly settings in your browser or use certain opt-out options. Here are some steps you can take:
Some companies and advertising networks offer opt-out options that allow you to object to certain tracking cookies. Visit the websites of these companies and advertising networks to learn more about their privacy policies and opt-out options.
B. YOUR DATA PROTECTION RIGHTS
You can find out what data protection rights you have in relation to your data in this section on your data protection rights. These rights include the right to information about the data stored about you, a right to rectification and - if the legal requirements are met - a right to erasure of your data. Whenever we ask for your consent to process your data, you also have the right to withdraw your consent at any time and without giving reasons.
I. Information
You have the right to request information about the processing of your personal data by us at any time. As part of the information request, we will explain the data processing to you and provide you with an overview of the data stored about you.
If you request information about your data, we will provide you with comprehensive information about how your data is processed, where it comes from and where it goes.
II. Correction
If data stored by us is incorrect or no longer up to date, you have the right to have this data corrected.
We will comply with your request without delay.
You can send us the correct data for the correction and we will take care of the rest.
III. Deletion
You can also request the deletion of your data.
If, in exceptional cases, deletion is not possible due to other legal provisions, the data will be blocked so that it is only available for this legal purpose.
IV. Restriction
You can also restrict the processing of your data.
While we are checking your aforementioned rights, you can have the processing restricted.
V. Transfer
Furthermore, you have the right to request that we transfer the data concerning you in the form of a digital copy if you have consented to the data processing or if it is based on a contract existing between us.
If you request the transfer of the data you have provided to us, we will make it available to you in a portable format.
VI. Objection
You have the right to object to the processing of your data. If you file an objection, we will check whether we have compelling reasons for processing. If this is not the case, we will no longer process the data. In the case of direct advertising, you have a general right to object.
VII. Revocation
You have the right to revoke your consent given to us at any time by sending a message to [email protected] to revoke your consent. As a result, we will no longer continue the data processing that was based on this consent in the future. The withdrawal of consent shall not affect the lawfulness of processing based on consent before its withdrawal.
If you withdraw your consent, we will stop the data processing based on it.
VIII. Complaint
Finally, you have the right to lodge a complaint with the data protection supervisory authority responsible for us. You can assert this right with a supervisory authority in the member state of your place of residence, your place of work or the place of the alleged infringement.
You can contact the Federal Data Protection and Information Commissioner (FDPIC) here: www.edoeb.admin.ch/edoeb/de/home/deredoeb/kontakt.html.
C. DATA PROCESSING FOR THE EXECUTION OF THE CONTRACT
In diesem Abschnitt informieren wir dich rund um die Bearbeitung deiner Daten im Zusammenhang mit der Anbahnung und/oder Abwicklung eines Vertrages in Versicherungsangelegenheiten mit uns oder sofern du uns mit der Bearbeitung deiner Steuererklärung beauftragt hast. Du erfährst, welche Datenkategorien wir dabei zu welchen Zwecken bearbeiten, an wen wir deine Daten weitergeben, z.B. an Dienstleister, die uns technisch unterstützen, oder an Steuerbehörden, Maklerpools und Versicherer.
I. Processed data
We process your personal data in order to perform our task. This includes information that allows conclusions to be drawn about your person, such as your name, your telephone number, your address or your e-mail address.
Statistical data that cannot be linked to your person is not considered personal data.
As a broker, we need to process certain information about you:
First of all, we need your contact details:
You provide us with this data as part of your registration.
We also process the following personal data:
You provide us with this data as part of the needs or pension check.
We also derive your product interests from this data.
We also process your insurance data:
You provide us with this data in the course of taking over or managing a broker mandate. If we take over an existing broker mandate, we will also receive the data from the insurers with your consent.
We also process your tax data:
You provide us with this data for the processing of your tax return.
We also collect your usage data:
We collect this data when you use our website and app.
Finally, we collect the following data about your device, browser and location:
We collect this data when you use our website and app.
II. Why does Creo Finanz need my consent?
We may require your consent if we pass on particularly sensitive personal data to third parties. This includes, for example, information about your state of health. We need this information if we advise you on insurance products, in particular when processing claims for health and liability insurance.
We therefore ask for your consent when you decide on a product. You can revoke your consent at any time for the future by sending a message to .
We may also require your consent in order to send you advertising information and to personalize it for the analysis of the usage behavior of our websites and apps. These consents are voluntary. It is also possible to use our services without this consent.
III. General information on our cooperation partners and data transmission
1. broker pools
We use broker pools for our advice to offer you the best possible insurance policies at favorable rates. In order to provide you with a quote, we need to send them your personal data.
Our broker pools are:
Hypocloud GmbH
Industriestrasse 109
8957 Spreitenbach
Thanks to our cooperation with broker pools, we can provide you with the best and most favorable insurance policies for your situation at any time.
2. insurer
If you apply to us to take out insurance, we will send the relevant personal data to the relevant insurer. You will find a list of these insurers in our form in accordance with Art. 45 of the Insurance Supervision Act (ISA).
As an insurance broker, we transmit information between you and the insurers.
3. asset managers and mortgage partners
If you wish to make use of corresponding services, we may also pass on your data to asset managers (particularly in the area of vested benefits), mortgage partners and brokers and other financial experts.
4. service provider
Some of the data processing may also be carried out by our service providers. In addition to the service providers mentioned in this privacy policy, this may include, in particular, data centers and cloud service providers that store our website and databases, IT service providers (including cloud, software and hosting providers) that operate and maintain our systems, consulting companies and service providers to whom we outsource certain tasks. If we pass on data to our service providers, they may only use the data to fulfill the tasks specified by us.
5. official, legal and judicial inquiries and other third parties
In addition, data may be disclosed in connection with official submissions and inquiries, court orders and legal proceedings if we are instructed to do so (e.g. in the context of tax returns) or if we believe in good faith that we are legally obliged to do so.
We may also share information with third parties such as auditors or when we believe in good faith that it is necessary to: detect, prevent and prosecute fraud, unauthorized use of our product, and other harmful or illegal activities.
In individual cases, we pass on data to authorities or courts in response to justified requests.
6. disclosure of personal data abroad
When using service providers and third parties, we only work with companies that process data within Switzerland or the European Economic Area, or are based in countries that guarantee an adequate level of data protection in accordance with an adequacy decision by the Federal Council.
If your data is exceptionally processed in countries outside Switzerland or the EEA when using service providers without an adequacy decision, we have concluded special contracts with the service providers for order processing, which guarantee the data protection. Standard contractual clauses of the European Commission, unless they are already subject to a legally recognized set of rules to ensure data protection and we cannot rely on an exception. 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.
IV. Data processing in the context of the app and during consultation
1. mandate conclusion and identification
Processing purpose and use
The purpose of data processing is to mandate Creo Finanz to provide support in insurance matters.
By doing so, you instruct us to arrange insurance contracts for you. This includes in particular the preparation and conclusion of insurance contracts as well as participation in the administration and fulfillment, especially in the event of a claim.
In order to carry out the identification process, we need your telephone number so that we can send you a verification code. Your signature is required to conclude the broker mandate.
For the brokerage mandate and the start of our work, it is important that you identify yourself and that we know who you are.
Processed data
2. processing and submitting the tax return
Processing purpose and use
Data processing is used to complete and submit the tax return. In this way, we ensure that all possible tax deductions are made. These documents may also contain particularly sensitive personal data
If you also upload insurance policies and pension documents, these will be analyzed for the purpose of a price-performance indication and, if necessary, you will be contacted by us for further advice. We will accompany you from the selection of the right insurance or investment product, through the conclusion of the contract with the insurance company, during the term of the contract, to the end of the contract. We draw on the experience of our employed advisors and sales partners as well as the latest digital technologies to provide you with the best conditions.
Processed data
Forwarding of data for this purpose
Tax authorities
This data will be included in your tax return and, with your prior consent, will be passed on to the relevant tax authority or authorities for the purpose of submitting the tax return.
3. conclusion of insurance contracts
Processing purpose and use
The core of our work is to provide you with the best possible insurance. Therefore, we also process your data when concluding contracts with insurers, should you wish to purchase a specific insurance product.
In order to conclude such a contract, insurers will request a lot of information about you and your person.
Processed data
Forwarding of data for this purpose
Broker pools
Broker pools enable us to efficiently connect to a wide range of insurance companies to provide you with an optimal market overview.
insurer
Our insurers process your data in Switzerland and, depending on the insurance policy, in Liechtenstein or Germany. If your insurance requires that your data be transferred to other countries, we will inform you in advance.
4. Communication
Processing purpose and use
We process your data so that you can reach us via contact form, live chat or telephone and so that we can respond to your inquiry.
We will contact you for the purpose of providing advice within the scope of our brokerage activities and processing your tax return.
Processed data
5. Support of broker mandates
Processing purpose and use
As your insurance broker, we support you in all insurance matters and in the areas for which you have added insurance policies in your profile, which interest you, or for which we have identified a need. We use your personal information and your insurance data, i.e., the information about your insurance contracts or individual insurance claims, to:
We use Salesforce to manage broker mandates and to optimize and automate sales processes.
Salesforce provides our sales consultants with a quick and easy overview of requirements within a mandate and helps us fulfill our brokerage obligations. It provides an interface through which our communication can take place.
Processed data
Forwarding of data for this purpose
Broker pools
Broker pools enable us to efficiently connect to a wide range of insurance companies to provide you with an optimal market overview.
insurer
Our insurers process your data in Switzerland and, depending on the insurance policy, in Liechtenstein or Germany. If your insurance requires that your data be transferred to other countries, we will inform you in advance.
6. Opportunity Generation
Processing purpose and use
Based on the information we have, we analyze your interests and needs as a customer so that we can recommend suitable products for you. We perform this task as part of our advisory duties as brokers.
To do this, we analyze the data according to certain criteria based on our experience as brokers, particularly the information from the needs assessment. For example, if you indicate that you have a car, we will recommend new or improved car insurance if the analysis of your existing insurance reveals a need for optimization.
In order to continuously improve and further automate our product and our recommendations, we also use statistical methods to determine both your insurance needs and your satisfaction with your current insurance situation.
The aim is, on the one hand, to provide you with the best experts and, on the other hand, to optimise the workload of our insurance advisors.
Processed data
7. Database
The personal data collected on this website is stored on the servers of the hosting provider. This may include, in particular, IP addresses, contact requests, meta and communication data, contract data, contact details, names, website accesses, and other data generated via a website.
Our host will only process your data to the extent necessary to fulfill its service obligations and will follow our instructions regarding this data.
D. DATA PROCESSING ON THE WEBSITE
We use cookies on our websites that can be used to identify your browser or device. A cookie is a small file that is sent to your computer or automatically saved on your computer or mobile device by your web browser when you visit our website. We only use so-called session cookies, which are only used during a session and are deleted after your visit to the website.
You can configure your browser to reject cookies, store them only for a single session, or delete them prematurely. Most browsers are preset to accept cookies.
E. DATA PROCESSING FOR MARKETING PURPOSES
I. Newsletter
Processing purpose and use
We use these emails to send you information about our products, special offers, discounts or other relevant news that may be of interest to you.
We sometimes include visible and invisible image elements in these emails, where permitted. By retrieving these elements from our servers, we can determine whether and when you opened the email. This allows us to measure and better understand how you use our services and tailor them to your needs. You can block this in your email program; most are preset to do so.
Processed data
II. Data processing within the framework of our partnerships
We cooperate with various partners to provide you with additional benefits. Certain of your data must be shared so that our partners can verify that you meet the relevant requirements.
Upon your application, the number of insurance policies and a corresponding identifier will be sent. This allows us to verify whether you meet the requirements for the respective benefit.
F. DATA PROCESSING ON SOCIAL MEDIA
1. General
We may operate our own presence on social networks and similar third-party platforms. If you communicate with us via such presences or comment on or share our content, we collect the relevant information and process it in accordance with our privacy policy. At the same time, the platforms evaluate your use of our online presences and link this data with other data about you known to the platforms (e.g., your behavior and preferences). They also process this data for their own purposes under their own responsibility, in particular for marketing and market research purposes (e.g., to personalize advertising) and to control their platforms (e.g., which content they display to you).
We process this data primarily for communication, marketing purposes (including advertising on these platforms), and market research. We may further disseminate content you publish yourself (e.g., comments on an announcement) (e.g., in our advertising on the platform or elsewhere). We or the platform operators may also delete or restrict content from or about you (e.g., inappropriate comments) in accordance with the terms of use.
For further information on the processing activities of the platform operators, please refer to the platform's privacy policy. There you will also find out in which countries your data is processed, what rights to information, erasure, and other data subject rights you have, and how you can exercise these rights or obtain further information.
G. DURATION OF DATA STORAGE
We process and store your personal data as long as it is necessary to fulfill our contractual and legal obligations or for the purposes pursued by the processing, i.e., for example, for the duration of the entire business relationship (from initiation and processing to termination of a contract) and beyond, in accordance with statutory retention and documentation obligations. Personal data may be retained for the period during which claims can be asserted against our company and to the extent we are otherwise legally obligated to do so or legitimate business interests require it (e.g., for evidentiary and documentation purposes). As soon as your personal data is no longer required for the above-mentioned purposes, it will generally be deleted or anonymized wherever possible.
H. FINAL PROVISION
This privacy policy is not part of any contract with you. We may modify this privacy policy at any time. The version published on this website is the most current version.
Weekdays: 08:00 am - 7:00 pm
Weekend: Closed
© Creo Finanz AG. All Rights Reserved.
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