Our websites, with their data, information, references, documents and tools, are primarily intended for the presentation of our company and our products and services. None of the suggestions, checklists, models, recommendations, profiles or calculation examples contained therein constitute offers for taking out contracts, but are intended only to illustrate possible insurance or financing solutions. Tables, charts, information sheets, overviews, automatically generated calculations including those of a fiscal nature, evaluations etc. are not binding and are intended to serve only as guidelines except in the case of binding online offers or quotations specifically designated as such. The data contained on our websites are for information purposes only and do not constitute any kind of legal, fiscal or business recommendation.
Swiss Life takes great care to ensure that the information contained on its websites is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on its websites are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life on an "as is" and "as available" basis.
Exclusion of liability
Your use of the internet or our websites, and any links, hyperlinks and web addresses, is en-tirely at your own risk. This also applies to e-mails and links that connect you to the Swiss Life websites. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness or completeness of the data, information and content shown or transmitted via the internet.
Swiss Life does not guarantee technically smooth and uninterrupted access to its websites, nor can it guarantee that use of the websites will not lead to technical problems elsewhere. As a user, you agree to use this and other websites or any connected websites and their contents at your own risk. "Use" is also understood to include access to the above-mentioned websites and their contents.
Neither Swiss Life nor its partners involved in the design, production or provision of websites or any connected website shall be liable for any loss or damage resulting from use of the websites or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence.
Future developments and external influence
All data, information and recommendations contained on our websites, specifically those of a forward-looking nature, are based on the knowledge and facts available at the time of writing or provision of information. Figures shown in overviews, tables, graphic illustrations and information sheets may be based on estimates and forecasts. When additional or new information becomes available, such data and information can be updated. However, Swiss Life is not obliged to update data and information on an ongoing basis. Data, information and recommendations can also be influenced by special factors such as changed market trends, currency and stock market fluctuations, changes in the competitive environment as well as in the political, social, legal and supervisory conditions, which are beyond Swiss Life's scope of influence. No definitive recommendations or conclusions on future developments may therefore be derived from any statements contained on this website. Historical performance is no guarantee of future developments.
Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.
You may visit our websites and access the data, information and references contained therein without having to provide any information about your person. We shall notify you in advance if we require identification and/or specific information from you in order to provide the services you require, send you information material, create profiles and analyses, or for your participation in competitions, games etc. You will likewise be requested in advance to enter the requisite data in the case of binding online offers. Any such data you transmit to us via the internet will only be processed for the purposes for which you have provided them to us. This can also include the forwarding of such data within the Swiss Life Group. In addition, you authorise us to use the data for statistical evaluations (e.g. market research) and marketing purposes within the Swiss Life Group in order to draw up product proposals for you.
Swiss Life can send so-called cookies to your computer, which are then stored there. Cookies are a chain of information by which data on the use of a website is automatically collected. Such data include your so-called IP address (Internet Protocol address), which is functionally comparable to your telephone number. Data received via cookies are primarily used for website administration purposes, quality assurance, the collection of demographic data and to monitor the use and performance of a website. If you deactivate the cookie function on your computer or install a corresponding filter, you may not be able to access or receive all the information and data contained on the website.
Using Google Analytics
In order to keep improving our internet presence and the functionality of our website, we need to know how our website is used. To this end we deploy Google Analytics, a web-analysis service of Google Inc. ("Google").
In its analyses Google Analytics uses so-called “cookies”, text files saved on your computer that enable them to analyse your use of the website.
Google uses these cookies to evaluate the use of the website, to report on website activities and to provide us as the website operator with other services associated with website and internet use.
The information concerning your use of this website collected using the cookie can also be transmitted to Google servers in the US and saved there (see below for information on data protection during data transfer to the US). Google may make this information available to third parties as well if provided for by law or if third parties are commissioned by Google to use such data.
To safeguard your privacy, however, your IP address, which is like a postal address and makes it possible to contact you via the internet, is anonymised before it is saved, so that it can no longer be traced to a particular terminal. To this end, we have enhanced Google Analytics on this website with the “anonymizeIp” code.
You can use a setting on your browser software to prevent cookies being saved. If you do, however, you may not have all of our website’s functions at your disposal.
You can also prevent data generated by the cookie with regard to your use of the website (incl. your IP address) being registered with Google and Google’s processing of such data by downloading and installing the browser plugin available at this link: https://tools.google.com/dlpage/gaoptout?hl=en (this link will take you to an external website).
When processing personal data, Google has undertaken to comply with the EU-US Privacy Shield Framework published by the US Department of Commerce and the Swiss-US Privacy Shield Framework concerning the collection, use and storage of personal data from EU member states and/or Switzerland. Google has declared by means of certification that it observes the Privacy-Shield principles.
Our websites contain proprietary names as well as images, information and brand and company names that are protected by copyright. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.
No information or references contained on our websites may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on one of our websites that is not freely available for use, please contact Swiss Life.
Licence for distribution
Headquartered in Zurich, Swiss Life is licensed to market its products in Switzerland and the Principality of Liechtenstein. If you would like to receive information about the conclusion of contracts by persons resident outside Switzerland or the Principality of Liechtenstein, we recommend you contact a local Swiss Life office in your vicinity or one of our branch offices or subsidiaries listed on our website www.swisslife.com.
Swiss Life Ltd.
CH-8002 Zürich / Switzerland
March 2016, all rights reserved.
Swiss Life provides private individuals with web-based functionalities and services in the form of an individual portal (web application) under the name Swiss Life customer portal. All communication via the portal takes place via a secure, encrypted and authenticated Internet connection.
To safeguard the confidentiality, integrity and availability of the data in Swiss Life customer portal, there is a certified management system undergoing continual development as per GoodPriv@cy and ISO 27001.
Swiss Life customer portal is part of a professionally operated hybrid cloud solution that features all customary security standards prevailing today in accordance with the current state of the art and was configured especially for Swiss Life customer portal. The hybrid cloud solution is based partially on a public cloud operated by Microsoft Corporation, Redmond, Washington, USA and Microsoft Ireland Operations Limited, Dublin, Ireland (hereinafter referred to as "Microsoft"). Please refer to the section below entitled "Cloud Computing/Hybrid Cloud" for further details.
Swiss Life customer portal can be used by all private individuals of legal age ("users") who have successfully completed the registration procedure for the portal. Users also include legally authorised third parties.
Swiss Life customer portal services
The services offered by Swiss Life within the scope of Swiss Life customer portal comprise use of the web application with its functions, the exchange of information between the user and Swiss Life and its administration and partner systems, the provision of various information guides (e.g. online web videos) and any applicable documents as well as the user support for the portal.
The user can see data in Swiss Life customer portal, perform calculations or simulations, change identity and address details and complete certain transactions or subscribe to a product. The user does not have direct access to the administration systems of Swiss Life or its partners.
The services currently offered by Swiss Life customer portal can be seen online. They can be extended or reduced by Swiss Life at any time. A planned temporary or permanent reduction or expansion of the range of services is notified to users promptly and in an appropriate format.
How Swiss Life customer portal works
A user can specify his insurance relationships (employee benefits, individual insurance, etc.) or other contractual relationships (e.g. as a mortgage customer) with Swiss Life or its partners, to be recorded in Swiss Life customer portal in a domain only accessible to him (user account) by selecting these or by retaining or deselecting insurance and contractual relationships that are displayed. The user can also use the portal functions for his insurance and contractual relationships with other (insurance) companies to the extent technically possible in Swiss Life customer portal.
Only the personal data and other data from the Swiss Life administration and partner systems are stored in a public cloud required for the services offered by Swiss Life customer portal, provided they are not classified as particularly sensitive. The data in the public cloud are held with the same status as the data not directly accessible to the user in the Swiss Life administration and partner systems. The data in a user account can only be viewed by the applicable user. The user can also authorise other people to view the data under his own responsibility. Swiss Life accepts no liability for any potential damages incurred by the user through this.
Cloud computing/hybrid cloud
Cloud computing comprises dynamic and abstracted IT services and infrastructures that can be adjusted (are scalable) and can be procured from a professional cloud provider via a network. The supply and use of IT services and infrastructures comprise the complete spectrum of information technology, e.g. computing and network capacity, data storage and software. Use is exclusively via defined technical interfaces and secure protocols.
We talk about a hybrid cloud when IT services and infrastructure are made available via both private and public cloud providers. In the case of a public cloud the applicable IT resources are made available to the public at large, an entire group or an entire sector. The data of the individual user are protected technically in such a way as to ensure that they cannot be viewed by other users. In the case of a private cloud the IT services are only operated for an individual institution and are likewise protected accordingly.
Swiss Life customer portal is based on a Public Cloud solution offered by Microsoft in the region of Western Europe.
Swiss Life and the service providers it commissions (providers), such as Microsoft, carry out technical security measures in accordance with the latest international standards to protect the data stored with them. The cloud solution for Swiss Life customer portal facilitates technical protection of the individual user's data that is in line with customary security standards prevailing today in accordance with the current state of the art. The security of Swiss Life customer portal is reviewed, updated and improved on an ongoing basis in order to ensure adequate protection of user data against any unauthorised access or loss.
The cloud services offered by a professional and certified public cloud provider such as Microsoft, are comprehensively protected in accordance with the latest state-ofthe- art technology against Internet threats (e. g. from hackers) and data theft and in terms of their security level generally have a higher standard than average IT infrastructure operated on a purely internal basis. Microsoft is certified according to various security standards, such as ISO 27001 and ISO 27018.
Use of the Internet
Swiss Life takes the security and uninterrupted operation of Swiss Life customer portal very seriously. All use of Swiss Life customer portal takes place via a secure, encrypted and authenticated Internet connection of the sort that is also applied as a de facto standard in the field of online banking.
In spite of the best efforts of Swiss Life and/or the providers it commissions, the security, uninterrupted availability, actuality and confidentiality of the data displayed and/or transferred via Swiss Life customer portal cannot be fully guaranteed due to the open nature of the Internet. The use of Swiss Life customer portal and the Internet is therefore at the user's own risk. The user is advised to take some extra precautions to increase security (firewall, virus protection, security patches etc.) and to activate the security settings on the hardware and software they use as recommended by the manufacturer.
The use of Swiss Life customer portal and the storage of data and documents on the user's equipment take place at the latter's own responsibility.
Extent of use
Swiss Life customer portal is essentially available to the user at all times. Nonetheless, permanent availability may be restricted at times due to the nature of the Internet or because of maintenance work. Swiss Life customer portal is intended for simple, non-exclusive and non-transferable proper use. This comprises, but is not limited to, calling up, transferring, downloading, saving and reproducing data and information and using programmes, and programme parts, within the user's own system as allowed by these Terms and Conditions of Use. Any other use of Swiss Life customer portal is prohibited.
The web application provided to the user and any accompanying material remains the sole property of Swiss Life. Any further rights such as commercial rights, copyright and all rights of use not explicitly transferred to the user also remain with Swiss Life and/or the owners of the property rights to the software.
Maintenance and support
Swiss Life customer portal is continuously maintained and updated as and when necessary. Maintenance work and updates are carried out as far as possible during off-peak hours. The availability of Swiss Life customer portal cannot or can only be guaranteed to a limited extent during maintenance and update work. Swiss Life accepts no liability for any losses arising from disruptions to or restrictions in the availability of Swiss Life customer portal.
Duties and obligations of the user
In order to use Swiss Life customer portal, the user must have the required standard of hardware and software needed to connect to the Internet (Internet-compatible configuration, hereinafter referred to as "equipment") and especially a browser supported by Swiss Life customer portal.
The user undertakes not to misuse Swiss Life customer portal or its associated (IT) services and functionalities. The user expressly undertakes to refrain from intentionally disrupting the Swiss Life customer portal, Internet access or to disrupt, alter or damage other networks. This includes sending any unauthorised advertisements or other unwanted messages (Spam) or viruses or other malware. The user undertakes to observe third-party rights when using Swiss Life customer portal (e.g. copyright or trademark rights), not to infringe any legal provisions and not to transfer any illegal or unethical content or to refer to such content.
Any disruption or other damage to Swiss Life customer portal, whether intentional or due to gross negligence, through the improper use of equipment or software is prohibited.
Swiss Life reserves the right to block individual access to Swiss Life customer portal if the user uses the web application in an unlawful or contractually prohibited way, if his equipment jeopardises the smooth operation of Swiss Life customer portal or if blocking serves to protect the data of the user.
Access identification and legitimation
All users complete a registration procedure when registering for Swiss Life customer portal for the first time. The registration procedure guarantees the secure creation of a user profile with entry of the user's personal details and verification of his mobile phone number.
The user account is activated following validation of the identity and address details of the user via a mobile network provider. The user agrees to the details provided by him being used for validation. Should validation not be possible, the user will be issued with an activation code by post.
Alternatively, the user can also register by drawing on an existing user profile held with an external provider, such as Facebook or Microsoft.
Following initial registration, Swiss Life customer portal is accessed by entering the user name and personal password. Furthermore, a single-use security code must be entered at each login that is sent to the user by SMS or e-mail.
The security features are for the individual only and cannot be transferred. They may not be forwarded to unauthorised third parties. The user is liable for the security and confidentiality of the security features. Should a user discover that his individual security features have been obtained by a third party without authorisation or are used by a third party without authorisation, he must notify Swiss Life of this immediately by e-mail to the following address:
Notification is deemed to have been properly carried out as soon as Swiss Life has confirmed its receipt by e-mail.
Swiss Life considers each person identified via the individually assigned security features, as a legitimate user of all the services offered in Swiss Life customer portal; that applies in particular to requests to conclude transactions and subscribe to a product. Swiss Life accepts no liability for damages resulting from unauthorised use or use exceeding the allocated authorisation of the security features or web application.
Please refer to the separate provisions governing data protection.
Handling of incorrect or fraudulent data
Only the Swiss Life administration and partner systems or information and documents provided via the Internet or in another format and the data and information about the user in Swiss Life customer portal can be used for all simulations, enquiries, calculations, requested completion of transactions and for subscribing to a product in Swiss Life customer portal. No claims shall arise towards Swiss Life or its employee benefits institutions (e.g. Swiss Life Collective BVG Foundation) or towards partners and providers of Swiss Life in the event of manipulations of the system or of the software provided by Swiss Life or of the security settings, data and information or in the event of the provision of incorrect data or the forging of data by the user or third parties. Manipulations will also result in criminal and civil proceedings.
Exclusion of liability
Swiss Life rejects, to the extent that it is legally entitled to do so, all liability for any losses that the user may incur from the use of or as a result of the use of Swiss Life customer portal.
In particular, Swiss Life provides no guarantee of unimpaired access to Swiss Life customer portal, uninterrupted Internet access or for the accuracy, actuality and completeness of the content of the data, information or documents offered, processed, made accessible on the Internet or transferred by itself, its partners, the user or third parties. Swiss Life assumes no liability for direct or indirect damage or losses incurred by users or third parties as a result of contacts or transactions made via the Internet or by inaccurate or falsified data and information in Swiss Life customer portal.
The user is personally responsible for the security and efficient functioning of the hardware and software he employs. Losses incurred by the user, Swiss Life or third parties due to faulty equipment or software belonging to the user must be borne by the user. Under no circumstances does Swiss Life accept any responsibility for losses incurred through force majeure or as a result of unforeseeable, temporary or other circumstances unconnected to Swiss Life (e.g. provisions set by law or the authorities, the failure of communication networks, power supplies etc.). Furthermore, Swiss Life does not accept any responsibility for direct, indirect or consequential losses (such as lost earnings or third-party claims) made by the user or third parties.
End of use
The use of Swiss Life customer portal can be fully terminated by the user at any time. In this case all data that have been provided for the user in the public cloud will be deleted in the public cloud. Access identification will expire.
The user can specify at any time that individual or all insurance and contractual relationships are no longer to be shown in Swiss Life customer portal, however the access identification will remain in place. In this case the data stored in the public cloud in connection with the insurance and contractual relationships deselected by the user (with the exception of the data for access identification) will be deleted. Access to Swiss Life customer portal will accordingly remain open to the user.
The data is deleted from the Public Cloud within 48 hours.
Swiss Life and the user reserve the right to initiate immediate and full termination of the use of Swiss Life customer portal in the event of a serious breach of contractual obligations.
Swiss Life customer portal can send so-called cookies to the user's computer, which are then stored there. Cookies are a chain of information by which data on the use of a website is automatically collected. Such data include the user's IP address (Internet Protocol address), which is functionally comparable to a telephone number. Data received via cookies are primarily used for website administration purposes, quality assurance, the collection of demographic data and to monitor the use and performance of Swiss Life customer portal.
If the cookie function on the user's workstation is deactivated or corresponding filters are used, it may be that not all information and data about Swiss Life customer portal can be correctly accessed or received. Swiss Life accepts no liability for any losses incurred due to such restricted use.
Swiss Life websites and the Swiss Life customer portal web application contain proprietary names as well as images, information and brand and company names that are protected by copyright. The applicable laws on the protection of intellectual property prohibit any copying or use of such material.
No information contained on Swiss Life websites or in the web application Swiss Life customer portal may be copied, reproduced, distributed or used in other ways in whole or in part without the explicit consent of Swiss Life, unless Swiss Life has expressly permitted use of the information or data in question for a specific purpose (e.g. download of forms).
Swiss Life reserves the right to change, restrict or add to the range of services and functions of Swiss Life customer portal and these conditions of use at any time. It particularly reserves the right to make adjustments due to technological, administrative or actuarial changes and adjustments due to legal, official or judicial requirements.
Changes to the Terms and Conditions of Use will be published in the portal.
The Legal notices and terms and conditions of use (http://www.swisslife.ch/legal) published online on the websites of Swiss Life apply in addition to these Terms and Conditions of Use.
Swiss law applies. The exclusive place of jurisdiction is Zurich.
©Swiss Life, March 2020