Privacy Policy

1. Introduction

At UpSeniorCoverX, the protection of your personal and retirement information is our highest priority. This Privacy Policy transparently informs you about what data we collect, how we process it, and what control options you have over your information when engaging with our retirement insurance services platform and insurance services.

Our data processing practices comply with applicable Swiss privacy laws, including the Federal Act on Data Protection (FADP), and the General Data Protection Regulation (GDPR) where it applies to our activities in retirement insurance services and insurance service delivery.

2. Collection and Processing of Personal Data

The collection and processing of your data is exclusively purpose-based for the provision, implementation, and personalization of our retirement insurance services and related insurance support. This includes:

2.1. Data you actively provide to us:

  • Registration data such as name, email address, phone number, retirement background, and insurance service preferences
  • Payment information when engaging insurance services or consultations
  • Insurance case records, service communications, and submitted insurance documents

2.2. Automatically collected data:

  • Technical information such as IP address, device type, and browser version when using our insurance services platform
  • Service engagement history and insurance case tracking
  • Insurance service preferences and case analytics to optimize our insurance offerings

2.3. Cookies and tracking technologies: We use necessary cookies and, with your consent, analytics cookies to continuously improve our services and insurance platform. You can adjust your cookie settings in your browser at any time or use our website without optional cookies.

3. Purpose of Data Processing

We process your personal data for the following purposes:

  • Insurance Service Management – For the organization and personalized delivery of our retirement insurance services and insurance materials
  • Client Administration – For the administration of insurance engagements, service schedules, payments, and sending relevant insurance information
  • Case Tracking – To record and analyze your insurance case progress within our retirement insurance services
  • Service Improvement – For continuous enhancement of our insurance service content and client experience offerings

4. Legal Basis for Processing

Our data processing is based on the following legal foundations:

  • Contract performance in delivering insurance services and administering client engagement data
  • Legitimate interest in improving our insurance offerings and optimal design of our insurance service programs
  • Fulfillment of legal obligations, particularly in the area of insurance record keeping
  • Your express consent when collecting certain insurance data and for marketing insurance opportunities

5. Disclosure to Third Parties

We share your data with third parties only in the following cases:

  • Payment Service Providers – For secure processing of payments for insurance service engagements and insurance services
  • IT Service Providers – For the operation of our insurance management systems and insurance platform as part of contracted processing
  • Insurance Partners – With your explicit consent, we may share relevant insurance information with certified advisors or insurance organizations

We will not under any circumstances share your data with uninvolved third parties for advertising purposes.

6. Data Security

To protect your data, we implement advanced security measures, including encrypted data transmission, secure storage, and strict access controls for our staff. We take particular care to protect insurance records and retirement development data.

Physical documents containing personal data are kept in locked cabinets and are securely destroyed after the statutory retention periods expire.

7. Data Retention and Deletion

Your data is stored only as long as necessary for the specified purposes:

  • Contact and engagement data are stored for the duration of insurance service provision plus statutory retention periods.
  • Insurance case data is retained for a maximum of 7 years after case completion for insurance purposes.
  • Payment data is stored in accordance with legal retention requirements for up to 10 years.

You have the right to request early deletion of your data at any time, provided there are no legal retention obligations to the contrary.

8. Your Rights

As a client, you have the following rights:

  • Access to the personal data stored about you
  • Correction of incorrect or incomplete data
  • Deletion of your data under the legally provided conditions
  • Restriction of processing under certain conditions
  • Data portability in a structured, commonly used format
  • Objection to processing based on legitimate interest

To exercise these rights, please contact us by email at privacy@upseniorcoverx.com or personally at our office.

9. GDPR-specific Provisions

As a Swiss insurance organization with clients from the EU region, we follow the principles of the General Data Protection Regulation (GDPR) and guarantee the following rights:

  • Cross-border Data Transfers – When transferring data to countries outside the EU/EEA, we ensure that appropriate protective measures are taken, such as standard contractual clauses or adequacy decisions.
  • Data Protection Officer – Our Data Protection Officer is available for inquiries regarding the processing of your personal data and can be reached at privacy@upseniorcoverx.com.
  • Right to Lodge a Complaint – You have the right to lodge a complaint with a data protection supervisory authority, particularly in the EU Member State of your residence, workplace, or the place of the alleged infringement.
  • Data Minimization – We collect only data that is necessary for the stated insurance purposes and store it only as long as necessary and legally required.

For EU citizens engaging our insurance services, additional special protective measures in accordance with the GDPR apply, including expanded information obligations and stricter consent requirements.

10. Changes to the Privacy Policy

We reserve the right to update this Privacy Policy as needed to accommodate legal requirements or organizational changes. The current version will always be published on our website and displayed at our office.

In case of significant changes, we will inform our clients by email or through a notice on our insurance platform.

If you have questions about data protection, we are available at any time in person, by phone, or by email. The protection of your data is not only a legal obligation for us but an essential part of our commitment to providing a secure and trustworthy insurance environment.