By accessing our website https://www.swisslife.ch (including sub-websites; collectively the "website") and the services, information, tools and documentation described or linked therein, you acknowledge and agree to the following legal notices and terms of use.

Dual male-female forms will not be used here in order to improve readability.

General information

No offer and no advisory relationship

Our website, with its data, information, references, documents and tools, is primarily intended for the presentation of our company and our products and services. The data given here are provided for information purposes only and do not constitute any kind of legal, fiscal or business recommendation.

None of the suggestions, checklists, models, recommendations, profiles or calculation examples contained therein constitute offers for taking out contracts or invitations to submit a tender, 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 online offers or quotations specifically designated as being binding.

Accessing our website in no way creates any customer relationship with Swiss Life, nor does it constitute
the basis for an advisory relationship.

Future developments and external influences

All data, information and recommendations contained on our website, specifically those of a forward-looking nature, are based on the current state of knowledge at the date of creation and are provided to the best of our knowledge and belief. Figures shown in overviews, tables, graphic illustrations and information sheets may be based on estimates and forecasts. If or 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 particular 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 regulatory framework conditions, which are beyond Swiss Life's scope of influence. No binding recommendations or definitive conclusions may therefore be derived from any statements contained on this website. Historical performance is no guarantee of future developments.

No warranty

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on its website, as well as the website's functions, are at all times correct, complete and available. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Swiss Life does not guarantee technically faultless and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to other technical problems. Moreover, Swiss Life does not guarantee that its website does not contain viruses or errors.

Accordingly, no liability shall be accepted for any use of this website and, in particular, no suitability for any particular purpose or marketability is guaranteed. 

Disclaimer 

Your use of the internet or this website, respectively, as well as of any further links, hyperlinks and web addresses and their content, is entirely at your own risk. This also applies to e-mails you send to Swiss Life via non-secured channels or that you receive from third parties fraudulently on behalf of Swiss Life. Swiss Life, and the cooperation partners it engages for operating the website, accept no liability whatsoever for direct or indirect loss or damage incurred by users of the website or by third parties as a result of contacts or transactions made via the internet. In particular, they shall not be held liable for the accuracy, timeliness or completeness of the data, information and content shown or transmitted via the internet.

Linked websites

Swiss Life makes no assurances in connection with third-party providers' websites that can be accessed via a link on this 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 content of such websites or approves of their content or use. These legal notices and terms of use apply only to the website operated by Swiss Life; in the case of linked websites of third-party providers, the terms and conditions of use of those websites apply.

Indemnification

Swiss Life is to be held entirely harmless for any damage of any kind arising from the use of its website and the contents or services accessed through it, for non-fulfilment of these legal notices / terms of use and for any allegations that the use of the website or of its content or services offered through it infringes third-party intellectual property rights. 

Internet security / e-mails and phishing

General

Despite various technical security measures, the use of the internet and computer systems entails risks. Accordingly, end-users are encouraged to take appropriate precautions. Among other things, browser settings must be securely configured, virus protection systems must be installed, software must be kept up to date by installing the latest updates and patches, passwords must be kept secret and special care must be exercised when opening websites and e-mails and their attachments.

It is also recommended to regularly delete your browsing history (including cookies and cache) and not to react to possible spam messages so as not to encourage spamming.

Persons using our website do so always at their own risk.

E-mails and phishing

Normal (unencrypted) e-mails sent over the internet are not secure and may be lost or intercepted, viewed and/or changed by third parties in Switzerland or abroad.

For further information on contacting Swiss Life, please refer to our "Security information for Swiss Life customers".

Third parties may send so-called phishing e-mails for the fraudulent acquisition of data and information (possibly by means of spam e-mails), text messages or messages via social media or other communication channels, in some cases unlawfully using Swiss Life names or logos. Websites may also be recreated in order to retrieve personal data and information.

E-mails and other messages may have unsafe attachments or links containing viruses, malware or other harmful content. You should refrain from opening attachments or links of unknown or suspicious origin or downloading files from e-mails. In addition, you must take care as to which websites you visit. Sensitive personal data and information as well as passwords may not be disclosed or forwarded. Passwords must also be changed regularly. 

Data protection and data security

Swiss Life may process your personal data in order to provide the website, to make the services, information, tools, documentation and functionalities integrated therein accessible, to analyse user behaviour and to generate personalised advertising. Please refer to the separate website privacy policy for all details regarding the processing of your personal data (including our Cookie Policy and Cloud Computing notes). This is available at: "Privacy policy". 

Copyrights, trademarks and logos

Our website contains proprietary names as well as images and information, brands, logos and company names that are protected by copyright. All rights to these remain with Swiss Life or the relevant rights holder. The applicable laws on the protection of intellectual property prohibit any copying or use of the content mentioned, either in full or in part and including the Swiss Life logo.

No data, information, pictures or references on our website may be copied, reproduced, altered, distributed or used in any way whatsoever without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted such use for specific purposes (e.g. downloads). Use of the website is not to be construed as the granting of any licence by Swiss Life. Furthermore, the systematic and regular (technically supported) retrieval of content from our website without the written consent of Swiss Life is prohibited.

If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life. Where copying is permitted, such copies must bear the corresponding references to copyright and other proprietary rights of Swiss Life or, as the case may be, any existing references to such rights must be retained in unchanged form.

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 through our website https://www.swisslife.com.

Right of modification

Swiss Life reserves the right to amend these legal notices and terms of use at any time and without prior notice.  

Applicable law and place of jurisdiction

These legal notices and terms of use as well as all legal relationships arising from the use of this Swiss Life website are governed by substantive Swiss law. The exclusive place of jurisdiction is Zurich (Switzerland). 

© Swiss Life Ltd
General-Guisan-Quai 40
CH-8002 Zürich, Switzerland
October 2021

General information

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 accessed via the following URL: www.swisslife.ch/customerportal

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.

The use of Swiss Life customer portal is governed by these terms of use. By accessing Swiss Life customer portal, the user declares his agreement with these Terms and Conditions of Use and recognises them as binding.

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.

Security standards

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:

E-mail: portal@swisslife.ch

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.

Data protection

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.

Web analysis/cookies

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.

Copyright

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).

Further provisions

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