HYPO ADVISORS

LEGAL NOTICE AND PRIVACY POLICY


Contact address

Hypo Advisors SA
avenue Krieg 7
CH-1208 Geneva

Phone: +41 22 347 24 24


Authorised representative

Kevin Rossier, administrator


Registration in the commercial register

Registered company name: Hypo Advisors SA
Number: CHE-288.622.265
Commercial register office: Geneva

VAT number: CHE-288.622.265 TVA


FINMA registration (Swiss Financial Market Supervisory Authority)

Type: non-tied insurance intermediaries

Register no.: 32765


Trademarks

Hypo Advisors®
Trademark registered and filed with the Swiss Federal Institute of Intellectual Property (IGE)
IGE registration number: 694236


Hypo Tech®
Trademark registered and filed with the Swiss Federal Institute of Intellectual Property (IGE)

IGE registration number: 279530

Legal notice

Everyone who consults the information published on this website declare that they accept the following conditions.

In case of divergence between the french and english version of this terms and conditions, the french version shall prevail.


Exclusion of liability

The author assumes no liability for the correctness, accuracy, timeliness, reliability or completeness of the content provided.

Liability claims against the author due to material or immaterial damages resulting from access to published information or the use or non-use thereof, the misuse of the connection or technical faults, are excluded.

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


Liability for links

References and links to third-party websites are not within our area of responsibility. We accept no liability for such web pages. Access to and use of such web pages is at the sole risk of the user.


Copyright / Intellectual property rights

The copyright and all other rights to the content, images, photos or other files on the website are the exclusive property of the company Hypo Advisors SA or the holders of the rights specifically mentioned. Reproduction of any material is subject to the prior written consent of the copyright holders.


Data protection

In accordance with Article 13 of the Swiss Federal Constitution and the provisions on data protection of the Swiss Confederation (Federal Act on Data Protection, LPD), everyone has the right to protection of his or her private sphere and to protection against the misuse of their personal data. We respect these provisions.

In close cooperation with our hosting providers, we strive to protect databases as much as possible against third-party access, loss, misuse or falsification.

When accessing our web pages, the following data is stored in log files: IP address, date, time, browser and general information transmitted about the operating system, resp. the browser. This usage data forms the basis for anonymous statistical evaluations, from which it is possible to observe trends that enable us to improve our offers accordingly.

In accordance with the legislation on the protection of personal data, the user has the rights detailed below, which he or she may exercise after having validly legitimised their identity:

The right to information – obligation to inform the user about how their data is used;
The right to access;
The right to rectification;
The right to erasure (unless there is a legal reason that requires retention);
The right to restriction of processing;
The right to data portability;
The right to object.

To exercise their rights, the user can contact Hypo Advisors SA by using the contact form or by mail to the address of the company.


Electronic communication

Data transmitted via the Internet or by email can potentially be lost, intercepted, modified or read by third parties.

Hypo Advisors SA cannot guarantee the confidentiality of messages or documents transmitted through such channels.
If you submit information or documents relating to your person or situation, you should be aware that third parties may potentially access this information and thus collect and use the data without your permission.

The user bears full responsibility for any damage that he or she or a third party may suffer through the use of our website and its associated tools (online mortgage application, contact form, calculators, etc.)


Transfer of data and documents to third parties

By submitting information or documents to Hypo Advisors SA, the user authorises us to deliver/transfer them by any appropriate channels (physical transmission or by email) to its partners (banks, insurance companies or other providers authorised to grant mortgages) in order to obtain a mortgage or insurance offer.

Hypo Advisors SA bears no responsibility for the processing, storage and use of the information and documents passed to its partners in this way.

If the user wishes to exclude the transmission of information to a specific partner, he or she shall expressly request this with Hypo Advisors SA.


Remuneration

Unless agreed to the contrary, all services provided by Hypo Advisors SA are free of charge for the user.

Hypo Advisors SA generates a large volume of business for its partners and relieves them of several costs (particularly acquisition and marketing costs).

Hypo Advisors SA is compensated for its work by its partners in the form of commissions.

The user expressly waives all claims to said commissions and recognises that they are rightfully due to Hypo Advisors SA.


Conclusion of business

The conclusion of any eventual business (mortgage credits, insurance contracts and others) is the sole responsibility of the user and the chosen credit provider.

Hypo Advisors SA has no responsibility for the content of the agreements made between the user and the credit provider; the rights and obligations between the contracting parties are the sole responsibility of the signatories (user and provider).

Hypo Advisors SA shall not be held responsible in case of any breach of contractual obligation by the user and provider.


Mortgage calculators/simulators

The use of our calculators/simulators is for informational purposes only and in no way constitutes an offer of financing. These do not take into account certain parameters specific to the different financial institutions, which can strongly influence whether or not mortgage financing is granted.


Insurance

In accordance with Article 43 of the Insurance Supervision Act (LSA), Hypo Advisors SA acts as a non-tied insurance intermediary and is therefore duly registered with FINMA (Swiss Financial Market Supervisory Authority).


Deadlines

Hypo Advisors SA strives to always meet the agreed deadlines. However, it is subject to the deadlines communicated to it by the service providers and cannot be held responsible for their non-compliance.


Data protection declaration for the use of Google Analytics

This website uses Google Analytics, a web analysis service provided by Google Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyse how you use the site. The information generated by the cookie about your use of this website is, in general, transmitted to a Google server in the USA and stored there. However, if IP anonymisation is activated on this website, your IP address will first be shortened by Google within the Member States of the European Union or in other countries that are party to the agreement on the European Economic Area.

Only in exceptional cases will the full IP address be sent to a Google server in the USA and shortened there. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage.

Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. However, Google does not include the IP address transmitted by your browser within the framework of Google Analytics.

You may refuse the use of cookies by selecting the appropriate settings on your browser; however, please note that by doing so you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.


Governing law and place of jurisdiction

All legal relations are governed by Swiss law.
The exclusive place of jurisdiction is Geneva.