Legal information

The web page www.helvetia.ch is the official website

• of Helvetia Swiss Insurance Company Ltd
• of Helvetia Swiss Life Insurance Company Ltd
• of Baloise Bank Ltd
• of Perspectiva Collective Foundation for Occupational Welfare Provision, a foundation affiliated with Helvetia Baloise Holding Ltd (hereinafter “Perspectiva”) and• of the Baloise Investment Foundation for Pension Funds, a foundation affiliated with Helvetia Baloise Holding Ltd (hereinafter “BAP”)

The website is operated on systems belonging to Helvetia Swiss Insurance Company Ltd and Helvetia Swiss Life Insurance Company Ltd (hereinafter collectively referred to as “Helvetia”) and has been designed in conjunction with various partners.

Our websites contain a wide variety of information about our company, our services and our products. This information, these services and these products do not constitute a recommendation, an offer in the legal sense or an invitation to enter into any legal transaction. Helvetia provides no warranty (whether express or implied) that the information and opinions published on the Helvetia websites are accurate, complete or up to date. In particular, Helvetia is under no obligation to remove from its websites or to explicitly label as such any information that is out of date. The information provided on the websites does not represent any aids to decision making for economic, legal, tax or other consulting matters.

All the contents of the Helvetia websites are protected by copyright. The information contained on the websites is provided by us exclusively for private consumption and for the purposes of information and may not be downloaded for commercial purposes. The full or partial reproduction, transmission (electronic or in any other form), modification, linking or use of the Helvetia websites for public or commercial purposes without the prior written permission of Helvetia is prohibited. When downloading and printing individual pages or parts thereof, copyright symbols and other legally protected signs must be preserved and reproduced. Helvetia offers no guarantee or assurance that your use of the material displayed on its sites will not violate the rights of third parties who are not part of or affiliated to Helvetia Group. Express permission must always be obtained in advance before you create a link from a third–party website to a Helvetia website.

The Signature_Pad software, which is used on Helvetia websites, is licensed under a MIT licence. The copyright (c) 2018 is held by Szymon Nowak.

The copyright (c) 2004 Ngx-Extendend-PDF-Viewer software, which is used on Helvetia websites is held by Stephan Rauh. The use of the software is licensed under the Apache License Version 2.0.

Helvetia cannot guarantee that information, software, documents and other information are free from viruses or other harmful components. Under no circumstances is Helvetia liable for any direct or indirect damage or consequential damage that arises in any way whatsoever in connection with the use of the internet and its websites. This legal disclaimer also includes all failures of the internet of any kind whatsoever and misuse by third parties. In particular, Helvetia refers to the dangers caused by viruses and hacking attempts. You can access other websites that are linked to the Helvetia websites. Helvetia is not responsible for the contents or availability of such external websites nor does it endorse, support or confirm the information that is contained on such websites.

The Helvetia websites are not aimed at anyone who is not permitted to access the websites under the legal system applicable to them.

Unless indicated otherwise:

• The product information and products brokered online by Helvetia Insurance Switzerland (Helvetia Swiss Insurance Company Ltd, St. Gallen, and Helvetia Swiss Life Insurance Company Ltd, Basel) are intended solely for individuals and companies domiciled (or resident) in Switzerland or in the Principality of Liechtenstein.
• The products and information presented on this website by Baloise Bank Ltd are not intended for persons resident in the USA, the UK, Canada or Japan. Persons domiciled in other countries are requested to note the sales restrictions applicable to the respective products and services.
• The fund products presented on this website and the related information provided by Baloise Bank Ltd are intended solely for persons resident in Switzerland, Germany, Austria, Belgium, Luxembourg or the Principality of Liechtenstein.
• The products and services of Perspectiva and BAP presented on this website are intended solely for persons who are resident in Switzerland and/or subject to Swiss social insurance law.

Helvetia reserves the right to amend its websites at any time and without prior notification.

Insofar as Helvetia companies within Switzerland are involved, all legal transactions that arise from access to Helvetia’s websites are subject to Swiss law. The exclusive place of jurisdiction is either St. Gallen or Basel. If other companies within the Helvetia Baloise Group are affected, the law of the place where the company in question has its registered office applies. In this case, the place of jurisdiction is the place where the company concerned has its registered office.

Information about insurance intermediation under Art. 45 of the Insurance Supervision Act (ISA)

Insurance intermediation

Helvetia Swiss Insurance Company Ltd, Dufourstrasse 40, 9000, St. Gallen, and Helvetia Swiss Life Insurance Company Ltd, St. Alban-Anlage 26, 4052 Basel are insurance companies and, like their employees, may act as tied insurance intermediaries. They offer products from the following insurance companies:

• Helvetia Swiss Insurance Company Ltd, Dufourstrasse 40, 9000 St. Gallen
• Helvetia Swiss Life Insurance Company Ltd., St. Alban Anlage 26, 4052 Basel
• European Travel Insurance, a branch of Helvetia Swiss Insurance Company Ltd, St. Alban-Anlage 56, 4052 Basel
• smile.direct insurance, a branch of Helvetia Swiss Insurance Company Ltd, Zürichstrasse 130, 8600 Dübendorf
• Coop Rechtsschutz AG, Entfelderstrasse 2, 5000 Aarau
• Chubb Insurance (Switzerland) Limited, Bärengasse 32, 8001 Zurich
• Sanitas Privatversicherungen AG, Jägergasse 3, 8004 ZurichHelvetia offers advice on the insurance products brokered by it.

Training and continuing professional development

Our employees working in insurance mediation are certified insurance intermediaries who meet the statutory minimum standards for training and continuing professional development applicable to insurance intermediaries. They possess the necessary skills and knowledge, undergo regular recertification, and are listed in the trade register of the VBV, where you can check their current level of training at any time. For further information please contact info@helvetia.ch.

Liability for negligence, errors or incorrect information

For liability-related matters related to the intermediation of the above-mentioned products, please contact:

    Helvetia Insurance
    Head of Distribution Switzerland
    St. Alban-Anlage 26
    4002 Basel
    058 280 10 00

Processing of personal data

Helvetia processes certain personal data in connection with the intermediation of the above-mentioned insurance products.

Helvetia’s data protection policy is available, along with further information about personal data processing, especially concerning the purpose and scope of such processing, as well as the recipients and storage of the data, on the following website: www.helvetia.ch/privacy

Complaints and extrajudicial conciliation bodies for affected persons residing or domiciled in the Principality of Liechtenstein

Complaints

Affected persons residing or domiciled in the Principality of Liechtenstein may submit any complaints about insurance distribution by Helvetia (advisory services, recommendations or the performance of other work preparatory to entering into insurance contracts, the formation of such contracts or participation in the administration and performance of such contracts) to the following office:

    Helvetia Insurance
    Head of Distribution Switzerland
    St. Alban-Anlage 26
    4002 Basel
    Switzerland
    058 280 10 00

In such cases, affected persons residing or domiciled in the Principality of Liechtenstein may address the supervisory authority having jurisdiction over Helvetia:

    Swiss Financial Market Supervisory Authority FINMA
    Laupenstrasse 27
    3003 Bern
    Switzerland

Extrajudicial Conciliation Board

For dispute resolution, policyholders residing or domiciled in the Principality of Liechtenstein may submit any complaints about insurance distribution by Helvetia (advisory services, recommendations or the performance of other work preparatory to entering into insurance contracts, the formation of such contracts or participation in the administration and performance of such contracts) to the extrajudicial Conciliation Board:

    Extrajudicial Conciliation Board
    c/o Dr. Peter Wolff, Attorney-at-law
    Landstrasse 60
    P.O. Box 343
    9490 Vaduz
    Principality of Liechtenstein
    www.schlichtungsstelle.li