Privacy Policy

Responsible entity: c/o Stefan Wüst

Güterstrasse 149

4053 Basel




Based on Article 13 of the Swiss Federal Constitution and the data protection provisions of the Swiss Confederation(Data Protection Act, DSG), every person has the right to protection of their privacy as well as protection againstmisuse of their personal data. The operators of these pages take the protection of your personal data very seriously. Wetreat your personal data confidentially and in accordance with the legal data protection regulations as well as thisprivacy policy.

In cooperation with our hosting providers, we make every effort to protect the databases as well as possible againstunauthorized access, loss, misuse or falsification.

We would like to point out that data transmission on the Internet (e.g. communication by e-mail) can have security gaps.A complete protection of data against access by third parties is not possible.

By using this website, you consent to the collection, processing and use of data in accordance with the followingdescription. This website can generally be visited without registration. Data such as pages accessed or names of filesaccessed, date and time are stored on the server for statistical purposes without this data being directly related toyour person. Personal data, in particular name, address or e-mail address are collected as far as possible on avoluntary basis. Without your consent, the data will not be passed on to third parties.

Processing of personal data

Personal data is any information that relates to an identified or identifiable person. A data subject is a person aboutwhom personal data is processed. Processing includes any handling of personal data, regardless of the means andprocedures used, in particular the storage, disclosure, acquisition, deletion, storage, modification, destruction anduse of personal data.

We process personal data in accordance with Swiss data protection law. Furthermore, to the extent and insofar as the EUGDPR is applicable, we process personal data in accordance with the following legal bases in connection with Art. 6 (1)GDPR:

a) Processing of personal data with the consent of the data subject.

b) Processing of personal data for the fulfillment of a contract with the data subject as well as for theimplementation of corresponding pre-contractual measures.

c) Processing of personal data for the fulfillment of a legal obligation to which we are subject under anyapplicable law of the EU or under any applicable law of a country in which the GDPR is applicable in whole or in part.

d) Processing of personal data in order to protect the vital interests of the data subject or another naturalperson.

f) Processing of personal data to protect the legitimate interests of us or of third parties, unless thefundamental freedoms and rights and interests of the data subject are overridden. Legitimate interests include, inparticular, our business interest in being able to provide our website, information security, the enforcement of our ownlegal 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-termretention obligations due to legal and other obligations to which we are subject, we restrict processing accordingly.


This website uses cookies. These are small text files that make it possible to store specific information related to theuser on the user's terminal device while the user is using the website. Cookies make it possible, in particular, todetermine the frequency of use and number of users of the pages, to analyze behavior patterns of page use, but also tomake our offer more customer-friendly. Cookies remain stored beyond the end of a browser session and can be retrievedwhen you visit the site again. If you do not wish this to happen, you should set your Internet browser so that itrefuses to accept cookies.

A general objection to the use of cookies used for online marketing purposes can be declared for a large number of theservices, especially in the case of tracking, via the U.S. site or the EUsite Furthermore, the storage of cookies can be achieved by disabling them in thebrowser settings. Please note that in this case not all functions of this online offer can be used.

With SSL/TLS encryption

This website uses SSL/TLS encryption for security reasons and to protect the transmission of confidential content, suchas requests that you send to us as the site operator. You can recognize an encrypted connection by the fact that theaddress 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.

Server Log-Files

The provider of this website automatically collects and stores information in so-called server log files, which yourbrowser 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 rightto check this data retrospectively if we become aware of specific indications of illegal use.

Third party services

This website may use Google Maps for embedding maps, Google Invisible reCAPTCHA for protection against bots and spam,and YouTube for embedding videos.

These services of the American Google LLC use cookies, among other things, and as a result, data is transferred toGoogle in the USA, although we assume that no personal tracking takes place in this context solely through the use ofour website.

Google has undertaken to ensure adequate data protection in accordance with the US-European and the US-Swiss PrivacyShield.

Further information can be found in Google's privacy policy.


If you would like to receive the newsletter offered on this website, we require an e-mail address from you as well asinformation that allows us to verify that you are the owner of the specified e-mail address and agree to receive thenewsletter. Further data will not be collected. We use this data exclusively for sending the requested information anddo not pass it on to third parties.

You can revoke your consent to the storage of the data, the e-mail address and their use for sending the newsletter atany time, for example via the "unsubscribe link" in the newsletter.

Data Subject Rights

Right to confirmation

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

Right of access

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

the purposes of processing

the categories of personal data processed

the recipients to whom the personal data have been or will be disclosed

if possible, the planned duration for which the personal data will be stored or, if this is not possible, the criteriafor determining this duration

the existence of a right to obtain the rectification or erasure of personal data concerning him or her, or therestriction of processing by the controller, or a right to object to such processing

the existence of a right of appeal to a supervisory authority

if the personal data are not collected from the data subject: Any available information about the origin of the data.

Furthermore, the data subject has the right to be informed whether personal data have been transferred to a thirdcountry or to an international organization. If this is the case, the data subject also has the right to obtaininformation 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

Every person affected by the processing of personal data has the right to demand the immediate correction of incorrectpersonal data concerning him or her. Furthermore, the data subject has the right, taking into account the purposes ofthe processing, to request that incomplete personal data be completed, including by means of a supplementarydeclaration.

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

Right to erasure (right to be forgotten)

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

The personal data have been collected or otherwise processed for such purposes for which they are no longer necessary.

The data subject revokes the consent on which the processing was based and there is no other legal basis for theprocessing

The data subject objects to the processing on grounds relating to his or her particular situation and there are nooverriding legitimate grounds for the processing, or the data subject objects to the processing in the case of directmarketing and related profiling

The personal data have been processed unlawfully

The erasure of the personal data is necessary for compliance with a legal obligation under Union or Member State law towhich the controller is subject

The personal data has been collected in relation to information society services provided directly to a child

If one of the above reasons applies and you wish to arrange for the deletion of personal data stored by theoperator ofthis website, you can contact our data protection officer at any time. The data protection officer of this website willarrange for the erasure request to be complied with immediately.

Right to restriction of processing

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

The accuracy of the personal data is contested by the data subject, for a period enabling the controller to verify theaccuracy of the personal data

The processing is unlawful, the data subject objects to the erasure of the personal data and requests instead therestriction of the use of the personal data

The controller no longer needs the personal data for the purposes of the processing, but the data subject needs it forthe assertion, exercise or defense of legal claims

The data subject has objected to the processing on grounds relating to his or her particular situation, and it is notyet clear whether the legitimate interests of the controller override those of the data subject

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

Right to data portability

Every person affected by the processing of personal data has the right to receive the personal data concerning him orher in a structured, common and machine-readable format. He or she also has the right to have this data transferred toanother controller if the legal requirements are met.

Furthermore, the data subject has the right to obtain that the personal data be transferred directly from one controllerto another controller, insofar as this is technically feasible and insofar as this does not adversely affect the rightsand freedoms of other persons.

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

Right of objection

Any person affected by the processing of personal data has the right to object at any time, on grounds relating to hisor her particular situation, to the processing of personal data concerning him or her.

The operator of this website shall no longer process the personal data in the event of the objection, unless we candemonstrate compelling legitimate grounds for the processing which override the interests, rights and freedoms of thedata subject, or if the processing serves the purpose of asserting, exercising or defending legal claims.

To exercise the right to object, you may directly contact the Data Protection Officer of this website.

Right to revoke consent granted under data protection law

Every person affected by the processing of personal data has the right to revoke a given consent to the processing ofpersonal data at any time.

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


The copyright and all other rights to the content, images, photos or other files on the website belong exclusively tothe operator of this website or the specifically named copyright holders. For the reproduction of all files, the writtenconsent of the copyright holder must be obtained in advance.

Anyone who commits a copyright infringement without the consent of the respective copyright holder may be liable toprosecution and possibly to damages.


All information on our website has been carefully checked. We make every effort to ensure that the information weprovide is up-to-date, correct and complete. Nevertheless, the occurrence of errors can not be completely excluded, sowe can not guarantee the completeness, accuracy and timeliness of information, including journalistic-editorial nature.Liability claims regarding damage caused by the use of any information provided, including any kind of information whichis incomplete or incorrect, will therefore be rejected.

The publisher may change or delete texts at his own discretion and without notice and is not obliged to update thecontents of this website. The use of or access to this website is at the visitor's own risk. The publisher, its clientsor partners are not responsible for damages, such as direct, indirect, incidental, consequential or punitive damages,allegedly caused by the visit of this website and consequently assume no liability for such damages.

The publisher also accepts no responsibility or liability for the content and availability of third-party websites thatcan be accessed via external links on this website. The operators of the linked sites are solely responsible for theircontent. The publisher thus expressly distances itself from all third-party content that may be relevant under criminalor liability law or that may offend common decency.

Google Analytics

This website uses Google Analytics, a web analytics service provided by Google Ireland Limited. If the data controlleron this website is located outside the European Economic Area or Switzerland, then the Google Analytics data processingis carried out by Google LLC. Google LLC and Google Ireland Limited are hereinafter referred to as "Google".

The statistics obtained enable us to improve our offer and make it more interesting for you as a user. This website alsouses Google Analytics for a cross-device analysis of visitor flows, which is carried out via a user ID. If you have aGoogle user account, you can deactivate the cross-device analysis of your usage in the settings there under "Mydata", "Personal data".

The legal basis for the use of Google Analytics is Art. 6 para. 1 p. 1 lit. f DS-GVO. The IP address transmitted by yourbrowser as part of Google Analytics will not be merged with other data from Google. We would like to point out that onthis website Google Analytics has been extended by the code "_anonymizeIp();" to ensure anonymized collection of IPaddresses. This means that IP addresses are processed in abbreviated form, which means that they cannot be linked to aspecific person. If the data collected about you is related to a person, this is immediately excluded and the personaldata is deleted immediately.

Only in exceptional cases will the full IP address be transferred to a Google server in the USA and shortened there. Onbehalf of the operator of this website, Google will use this information for the purpose of evaluating your use of thewebsite, compiling reports on website activity and providing other services relating to website activity and internetusage to the website operator. For the exceptional cases in which personal data is transferred to the USA, Google hassubmitted to the EU-US Privacy Shield,

Google Analytics uses cookies. The information generated by the cookie about your use of this website is usuallytransmitted to a Google server in the USA and stored there. You may refuse the use of cookies by selecting theappropriate settings on your browser, however please note that if you do this you may not be able to use the fullfunctionality of this website. You can also prevent the collection of data generated by the cookie and related to youruse of the website (including your IP address) to Google and the processing of this data by Google by downloading andinstalling the browser plugin available at the following link: Disable Google Analytics.

In addition, you can also prevent the use of Google Analytics by clicking on this link: Disable Google Analytics. Thiswill save a so-called opt-out cookie on your data carrier, which prevents the processing of personal data by GoogleAnalytics. Please note that if you delete all cookies on your terminal device, these opt-out cookies will also bedeleted, i.e. you will have to set the opt-out cookies again if you wish to continue to prevent this form of datacollection. The opt-out cookies are set per browser and computer/end device and must therefore be activated separatelyfor each browser, computer or other end device.

Google AdSense

We use Google AdSense on this website. This is an advertising program of the company Google Inc. In Europe, the companyGoogle Ireland Limited (Gordon House, Barrow Street Dublin 4, Ireland) is responsible for all Google services. GoogleAdSense allows us to display advertisements on this website that are relevant to our theme.

Google AdSense uses cookies to serve ads that are relevant to users, to improve campaign performance reports, or toprevent a user from seeing the same ads more than once. Via a cookie ID, Google records which ads are displayed in whichbrowser and can thus prevent them from being displayed more than once. In addition, Google AdSense can use cookie IDs torecord so-called conversions that are related to ad requests. This is the case, for example, when a user sees a GoogleAds ad and later calls up the advertiser's website with the same browser and buys something there. According to Google,Google Ads cookies do not contain any personal information.

Due to the marketing tools used, your browser automatically establishes a direct connection with Google's server.Through the integration of Google Ads, Google receives the information that you have called up the corresponding part ofour website or clicked on an advertisement from us. If you are registered with a Google service, Google can assign thevisit to your account. Even if you are not registered with Google or have not logged in, there is a possibility thatGoogle will obtain and store your IP address.

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

by adjusting your browser software accordingly; in particular, the suppression of third-party cookies will result in younot receiving ads from third-party providers;

by disabling conversion tracking cookies by setting your browser to block cookies from thedomain "",, which setting will be deleted when you delete yourcookies;

by disabling interest-based ads from the providers that are part of the "About Ads" self-regulatory campaign, via thelink, with this setting being deleted when you delete your cookies;

by permanently disabling them in your Firefox, Internetexplorer or Google Chrome browsers at thelink We would like to point out that in this case you may not be able to useall functions of this offer in full.

The legal basis for the processing of your data is a balancing of interests, according to which the processing of yourpersonal data described above is not opposed by any overriding interests on your part (Art. 6 para. 1 p. 1 lit. fDSGVO). You can find more information about Google Ads from Google at, as wellas about data protection at Google in general: Alternatively, you canvisit the website of the Network Advertising Initiative (NAI) at

Google TagManager

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, whichimplements the tags, does not process any personal data of the users. With regard to the processing of users' personaldata, please refer to the following information on Google services. Usageguidelines:


This website uses functions of Facebook Inc, 1601 S. California Ave, Palo Alto, CA 94304, USA . When you call up ourpages with Facebook plug-ins, a connection is established between your browser and the Facebook servers. In the process,data is already transmitted to Facebook. If you have a Facebook account, this data can be linked to it. If you do notwant this data to be associated with your Facebook account, please log out of Facebook before visiting our site.Interactions, in particular the use of a comment function or the clicking of a "Like" or "Share" button are also passedon to Facebook. You can learn more at


This website uses functions of Twitter, Inc., 1355 Market St, Suite 900, San Francisco, CA 94103, USA. When you call upour pages with Twitter plug-ins, a connection is established between your browser and the servers of Twitter. In theprocess, data is already transferred to Twitter. If you have a Twitter account, this data can be linked to it. If you donot want this data to be associated with your Twitter account, please log out of Twitter before visiting our site.Interactions, in particular clicking on a "re-tweet" button, are also passed on to Twitter. You can learn moreat


Functions of the Instagram service are integrated on our website. These functions are offered by Instagram Inc., 1601Willow Road, Menlo Park, CA, 94025, USA. If you are logged into your Instagram account, you can link the content of ourpages to your Instagram profile by clicking on the Instagram button. This allows Instagram to associate the visit to ourpages with your user account. We would like to point out that we, as the provider of the pages, have no knowledge of thecontent of the transmitted data or its use by Instagram.

For more information, please see the privacy policy of Instagram:


We use the marketing services of the social network LinkedIn of LinkedIn Ireland Unlimited Company, Wilton Plaza, WiltonPlace, Dublin 2, Ireland ("LinkedIn") within our online offer.

These use cookies, i.e. text files that are stored on your computer. This enables us to analyze your use of the website.For example, we can measure the success of our ads and show users products in which they were previously interested.

For example, information on the operating system, the browser, the website you previously visited (referrer URL), whichwebsites the user visited, which offers the user clicked on, and the date and time of your visit to our website iscollected.

The information generated by the cookie about your use of this website is transferred pseudonymously to a LinkedInserver in the USA and stored there. LinkedIn therefore does not store the name or email address of the respective user.Rather, the above-mentioned data is only assigned to the person for whom the cookie was generated. This does not applyif the user has allowed LinkedIn to process without pseudonymization or has a LinkedIn account.

You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if youdo this you may not be able to use the full functionality of this website. You can also object to the use of your datadirectly at LinkedIn:

We use LinkedIn Analytics to analyze and regularly improve the use of our website. The statistics obtained allow us toimprove our offer and make it more interesting for you as a user. All LinkedIn companies have adopted the standardcontractual clauses to ensure that the data traffic to the USA and Singapore necessary for the development,implementation and maintenance of the services takes place in a lawful manner. If we ask users for consent, the legalbasis for processing is Art. 6 (1) lit. a DSGVO. Otherwise, the legal basis for the use of LinkedIn Analytics is Art. 6para. 1 p. 1 lit. f DSGVO.

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

Sending newsletters - Mailchimp

The newsletter is sent using the mailing service provider 'MailChimp', a newsletter mailing platform of the US providerRocket Science Group, LLC, 675 Ponce De Leon Ave NE #5000, Atlanta, GA 30308, USA. You can view the privacy policy ofthe mailing service provider here. The Rocket Science Group LLC d/b/a MailChimp is certified under the Privacy Shieldagreement and thereby offers a guarantee of compliance with the European level of data protection (PrivacyShield). Theshipping service provider is used on the basis of our legitimate interests pursuant to Art. 6 para. 1 lit. f DSGVO andan order processing agreement pursuant to Art. 28 para. 3 p. 1 DSGVO.

The dispatch service provider may use the data of the recipients in pseudonymous form, i.e. without assignment to auser, to optimize or improve its own services, e.g. to technically optimize the dispatch and presentation of thenewsletters or for statistical purposes. However, the dispatch service provider does not use the data of our newsletterrecipients to write to them itself or to pass the data on to third parties.


Functions of the "YouTube" service are integrated on this website. "YouTube" is owned by Google Ireland Limited, acompany incorporated and operated under the laws of Ireland, with its registered office at Gordon House, Barrow Street,Dublin 4, Ireland, which operates the services in the European Economic Area and Switzerland.

Your legal agreement with "YouTube" consists of the terms and conditions found at the followinglink: These Terms constitute a legally binding agreementbetween you and "YouTube" regarding your use of the Services. Google's Privacy Policy explains how "YouTube" treatsand protects your personal information when you use the Service.

Brokerage services

We process the data of our customers, clients and interested parties (uniformly referred to as "customers") inaccordance with the data protection provisions of the Federal (Data Protection Act, DSG) and the EU-DSGVO in accordancewith Art. 6 para. 1 lit. b. DSGVO, in order to provide them with our contractual or pre-contractual services. The dataprocessed in this context, the type, scope and purpose and the necessity of their processing are determined by theunderlying order. In principle, this includes inventory and master data of customers (name, address, etc.), as well ascontact data (e-mail address, telephone, etc.), contract data (content of the order, fees, terms, information on themediated companies/insurers/services) and payment data (commissions, payment history, etc.). We may also processinformation on the characteristics and circumstances of persons or objects belonging to them if this is part of thesubject matter of our order. This may be, for example, information on personal circumstances, mobile or immobiletangible property.

Within the scope of our assignment, it may also be necessary for us to process special categories of data pursuant toArt. 9 (1) DSGVO, in this case in particular information on the health of a person. For this purpose, we obtain, ifnecessary, according to Art. 6 para. 1 lit a., Art. 7, Art. 9 para. 2 lit a DSGVO an explicit consent of the customer.

If necessary for the fulfillment of the contract or required by law, we disclose or transmit the data of the customersin the context of coverage requests, conclusions and processing of contracts, data to providers of the mediatedservices / objects, insurers, reinsurers, broker pools, technical service providers, other service providers, such ascooperating associations. e.g. cooperating associations, as well as financial service providers, credit institutions andinvestment companies as well as social security institutions, tax authorities, tax advisors, legal advisors, auditors,insurance ombudsmen and the Swiss Financial Market Supervisory Authority (FINMA) or Federal Financial SupervisoryAuthority (BaFin). Furthermore, we may engage subcontractors, such as sub-brokers. We obtain consent from customers ifthis is required for the disclosure/transfer of customer consent (which may be the case, for example, in the case ofspecial categories of data pursuant to Art. 9 DSGVO).

The deletion of the data takes place after the expiry of legal warranty and comparable obligations, whereby thenecessity of the retention of the data is reviewed at irregular intervals. In all other respects, the statutoryretention obligations apply. In the case of statutory archiving obligations, deletion takes place after their expiry.

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, yourpersonal data may be transferred to the US servers of the respective companies. We would like to point out that the USAis not a safe third country in the sense of EU data protection law. US companies are obliged to hand over personal datato security authorities without you as a data subject being able to take legal action against this. It can therefore notbe ruled out that US authorities (e.g. intelligence services) process, evaluate and permanently store your data locatedon US servers for monitoring purposes. We have no influence on these processing activities.


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


The author assumes no liability for the correctness, accuracy, timeliness, reliability and completeness of theinformation.

Liability claims against the author for material or immaterial damage resulting from access to, use or non-use of thepublished information, from misuse of the connection or from technical malfunctions are excluded.

All offers are non-binding. The author expressly reserves the right to change, add to, or delete parts of the pages orthe entire offer without prior notice, or to temporarily or permanently cease publication.