Privacy Policy of innoVorsorge AG
Last updated: September 2026
1. Responsible Party
innoVorsorge AG
Joweid Zentrum 1
8630 Rüti ZH
Switzerland
Email: kontakt@innovorsorge.ch
Web: www.innovorsorge.ch/privacy
innoVorsorge AG is responsible for processing your personal data under the Swiss Federal Act on Data Protection (FADP/DSG). We treat all client information with strict confidentiality, following the standard of Swiss banking confidentiality.
2. Personal Data Collected
We process personal data that you give us or that arises when you use our services, for example:
When you book a consultation (retirement planning, pension dialogue, pension analysis)
When you contact us through our website, by email or by phone
When you submit documents for analysis
Typical data includes:
Last name and first name
Address, email address and phone number
Date of birth and marital status
Financial and pension data (e.g. income, assets, pension fund statement, AHV individual account statement)
3. Purpose of Data Processing
We use your personal data only for the following purposes:
Providing the services agreed in our contract
Preparing analyses, checklists and personal factsheets
Communicating with you as part of the consultation
Quality assurance and internal development
Meeting statutory retention obligations
We share data with third parties only to fulfil the contract (e.g. hosting partners), when the law requires it, or with your consent.
4. Legal Basis
We process data on the basis of:
Your consent
The performance of a contract or pre-contractual measures
Legal obligations
Our legitimate interests (e.g. improving our consulting and protecting against misuse)
5. Data Security
We protect your data with appropriate technical and organisational measures. These include encrypted transmission, access restrictions and regular security reviews.
6. Retention Period
We keep personal data only as long as the relevant purposes require or as the law requires (e.g. the 10-year retention obligation under the Swiss Code of Obligations).
7. Your Rights
You have the right to request information about your data and to have it corrected, deleted or its processing restricted. You may object to processing or withdraw your consent at any time.
To do so, please email us at kontakt@innovorsorge.ch.
8. Website and Cookies
8.1 Use of Cookies and Tracking Technologies
Our website uses cookies and similar technologies. They keep the site working, let us analyse how it is used and help us improve our services.
Cookies are small text files that are stored automatically on your device when you visit our website. Some cookies are technically necessary for basic functions ("session cookies"). Others analyse how visitors use the site or personalise content ("persistent cookies").
You can control, limit or fully disable cookies at any time in your browser settings, and delete cookies already stored there. If you disable cookies, some functions of our website may not work fully.
We store your choice in the cookie notice in your browser; you can change it at any time through the "Cookie settings" link in the footer of every page. Until you make a choice, a default applies depending on your region: for visits from Switzerland we use the services in sections 8.2 to 8.5, while personalised advertising (remarketing) stays off. For visits from the EU, the EEA and the United Kingdom we only use them after you consent. We derive the region from your browser's time zone. "Only necessary" switches analytics and advertising off; "Accept all" consents to both, including remarketing.
The Google services (sections 8.2 and 8.3) are loaded even without consent. They then set no cookies and only send details without a cookie identifier (for example that a page was viewed), from which Google estimates visitor numbers. The site works fully in every case.
8.2 Use of Google Analytics
We use Google Analytics 4 for statistics and to improve our website. It is a web analytics service provided by Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Ireland.
Google Analytics uses cookies to record how visitors use our website, for example pages visited, time spent on the site, device type and approximate location. Google Analytics 4 does not store IP addresses. It uses them only briefly to work out an approximate location and then deletes them.
The data collected may be sent to Google servers in the USA. Google is certified under the EU-U.S. and Swiss-U.S. Data Privacy Framework. For more on how Google handles privacy, see: https://policies.google.com/privacy
8.3 Google Ads (conversion measurement)
We run ads on Google and use Google Ads to measure whether a visit that started with an ad leads to a booking or a contact request. The provider is Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Ireland. Google sets cookies for this and receives details of your visit (pages viewed, time, device, approximate location). The data may be transferred to Google servers in the USA; Google is certified under the Swiss-U.S. Data Privacy Framework. We only see aggregated numbers, not individual people.
When you send a request through our contact form, we pass your email address to Google as a hash value (SHA-256) so that Google can link the request to an ad ("enhanced conversions"). The hash is calculated in your browser; your email address itself is not sent to Google. In Switzerland this happens unless you have declined advertising; in the EU, the EEA and the United Kingdom only with your consent. We only use remarketing, that is ads shown to people who have visited our website, with your consent.
8.4 Microsoft Clarity (usage analysis)
With Microsoft Clarity we record how visitors use the site: mouse movements, clicks, scrolling and the sequence of pages viewed. This produces anonymised replays and heatmaps that help us make the pages easier to use. The provider is Microsoft Ireland Operations Limited, One Microsoft Place, South County Business Park, Leopardstown, Dublin 18, Ireland. Input fields, the contact form and the calculators are masked in the recordings; what you type there is not recorded. The data may be transferred to Microsoft in the USA; Microsoft is certified under the Swiss-U.S. Data Privacy Framework. Clarity follows your choice in the cookie notice (section 8.1). More: https://privacy.microsoft.com/privacystatement
8.5 Meta Pixel and OpenAI Pixel
The Meta Pixel (Meta Platforms Ireland Limited, Merrion Road, Dublin 4, Ireland) is built into this site but switched off by default. We only switch it on while we run ads on Facebook or Instagram, and even then it only loads with your consent to advertising. When active, Meta receives details of your visit and of actions such as a booking, to measure the ads and to show ads to people with similar interests. The data may be transferred to Meta in the USA; Meta is certified under the Swiss-U.S. Data Privacy Framework.
We also run ads in ChatGPT and use the pixel of OpenAI Ireland Limited (1st Floor, The Liffey Trust Centre, 117–126 Sheriff Street Upper, Dublin 1, Ireland) to measure whether a visit leads to a booked consultation. For this, OpenAI receives details of your visit (page viewed, time, browser, IP address) and the notice that an appointment was booked; we do not transmit the content of the booking or any uploaded documents. The pixel only loads when advertising is allowed: in Switzerland unless you have objected, in the EU, the EEA and the United Kingdom after your consent. The data may be transferred to OpenAI in the USA. More: https://openai.com/policies/privacy-policy
8.6 Hosting and delivery (Netlify)
The site is delivered by Netlify, Inc., 512 2nd Street, Suite 200, San Francisco, CA 94107, USA. On every request Netlify processes the technically necessary details: IP address, time, requested address, browser and operating system. These logs serve delivery, protection against attacks and troubleshooting and are deleted after 30 days. Netlify serves the pages from a worldwide network of servers, including in Europe; Netlify is certified under the Swiss-U.S. Data Privacy Framework.
8.7 Contact form and waiting lists
What you send through the contact form or a waiting list (name, email address, phone, topic, message) is received and stored by Netlify and forwarded to us by email. Netlify checks submissions with the Akismet spam filter (Automattic Inc., USA). We use the details only to answer your request and delete them at Netlify once it is answered, at the latest after twelve months.
8.8 Calculators and self-tests
The calculators on this site run in your browser. The budget calculator and the compound interest calculator transmit nothing; the budget calculator keeps your entries in your browser's local storage so they are there on your next visit. The pension self-test and the pension fund test show the full evaluation after you enter an email address. For that we transmit to a spreadsheet at Google (Google Sheets via Google Apps Script, Google Ireland Limited; storage possibly in the USA): for the self-test your email address, the resulting pension phase and whether you want the newsletter; for the pension fund test first name, last name, email address, optionally a phone number and the newsletter choice. We do not transmit your individual answers. The survey transmits your answers without a name. We use the details to send you the evaluation and, only if you selected it, for the newsletter.
8.9 Embedded third-party content
On some pages we embed content from other providers. When that content loads, the provider receives your IP address and technical details of your browser: the Acuity Scheduling calendar (see section 9), the Spotify player (Spotify AB, Sweden) on the podcast page, an explainer video from VEED (Veed Limited, United Kingdom) on the pension fund test page, the list of podcast episodes from Apple's iTunes interface (Apple Inc., USA), and the audio versions of blog posts, which we deliver as audio files from a server we operate.
8.10 Local storage in your browser
Besides cookies, the site uses your browser's local storage (localStorage): for your choice in the cookie notice, for the entries in the budget calculator and, if a transmission from a calculator fails, for the buffered entry until the next attempt. This data does not leave your browser except in the retry described. You can delete it in your browser settings.
8.11 Newsletter
If you select the newsletter in a calculator, we store your email address for sending it. You can unsubscribe through the link in every email or by writing to us; we then remove the address from the list.
9. Document Upload via Acuity Scheduling
When you book a consultation on our website, we use "Acuity Scheduling", a service of Squarespace, Inc., USA. During booking, you can securely upload relevant documents in advance (e.g. pension fund statements, AHV statements, tax documents).
Squarespace acts as a data processor under Art. 9 FADP (or Art. 28 GDPR). Squarespace is certified under the EU-U.S. Data Privacy Framework, the Swiss-U.S. Data Privacy Framework and the UK Extension to the EU-U.S. DPF, and has committed to the applicable data protection standards.
Uploads are encrypted. We use the data you provide only to carry out the booked consultation. We do not pass it on to third parties without your explicit consent, except to meet legal obligations or where technically necessary (e.g. hosting).
By uploading documents, you explicitly consent to your personal data being processed as described above.
10. Secure Document Upload via Advisor Portal (Infomaniak)
As an alternative to uploading during booking, you can send us documents through our advisor portal. The portal runs on infrastructure provided by Infomaniak Network SA, Geneva, Switzerland.
Your data is stored and processed only in data centres in Switzerland.
Uploads use a secure drop-box system. You can upload files but cannot see other files, and only innoVorsorge AG can access the documents you upload.
Transmission is encrypted.
Your data is not transferred to the USA or to any service provider based in the USA.
Infomaniak acts as a data processor under Art. 9 FADP. We use the documents you upload only to carry out the consultation you requested.
11. Changes to this Privacy Policy
innoVorsorge AG may change this privacy policy at any time. The version published on our website applies. If we make significant changes, we will inform you in a suitable way.