Introduction
This Privacy Policy is designed to inform users of PensionShieldPro—our consulting and insurance platform tailored to retirees in Switzerland—about how their personal data is collected, used, stored, and protected. It applies to all individuals engaging with our website, requesting consultations, or using our insurance advisory services.
Privacy Policy
PensionShieldPro collects only the data necessary to fulfill our mission of offering personalized retirement insurance and consulting services. This includes:
Identity data: name, date of birth, nationality, and civil status
Contact information: postal address, telephone number, email
Financial and insurance history: current pension arrangements, prior insurance plans, medical disclosures (when required by insurance providers)
Session data: IP address, browser type, device identifier, session duration
Communication history: call recordings (upon consent), submitted forms, chatbot logs
All data is collected directly from the user, during signup, consultations, insurance quoting processes, or via secure integrations with pension providers and insurers. Data is stored on encrypted servers located in Switzerland or in jurisdictions approved by Swiss privacy authorities.
GDPR
Although PensionShieldPro is based in Switzerland, we fully respect and implement the provisions of the General Data Protection Regulation (GDPR) for EU-based users.
Users have the right to:
Access their personal data and request a digital copy
Rectify inaccurate or incomplete information
Request deletion of data, unless required for legal or regulatory compliance
Restrict processing or object to specific data uses
Withdraw consent at any time, especially in cases of newsletter or marketing subscription
Request transfer of their data to another provider (data portability)
We process your data based on your explicit consent, legitimate interests (e.g. improving service quality), legal obligations (e.g. Swiss insurance regulation), or the performance of a contract (e.g. consultation or policy issuance).
Cookie Policy
4.1 Types of Cookies Used
Our website uses cookies to improve accessibility and personalize user experience:
Essential cookies: enable secure login, request processing, session authentication
Analytical cookies: gather anonymized data about website use to optimize navigation
Functionality cookies: remember preferences such as contact forms and language
No third-party marketing cookies are deployed.
4.2 How to Disable Cookies
You may disable cookies through your browser’s settings. Essential cookies are required for account login and session continuity. Disabling these may restrict access to consultation scheduling or insurance estimators.
Data Disclosure to Third Parties
We do not sell or trade your personal data. We share information strictly when necessary:
Swiss insurance carriers and retirement funds for coverage eligibility, quotes, and plan configuration
Legal or regulatory bodies upon request (e.g. FINMA or cantonal oversight agencies)
Certified actuarial partners for pension plan calculations and recommendations
IT and cloud service providers hosting encrypted data infrastructure
All recipients are contractually obligated to handle your data under strict confidentiality and data protection clauses.
Data Security Measures
PensionShieldPro enforces a high standard of information security and regulatory compliance:
TLS/SSL encryption for all communications
End-to-end encryption for form submissions and policy document delivery
Access control with multi-factor authentication for client records
Scheduled backups and recovery procedures stored in ISO 27001-certified facilities
Internal audits and regular reviews of data handling processes
Personnel are trained to handle sensitive data with discretion, especially with regard to age-related vulnerabilities and legal guardianship cases.
Effective Date
This Privacy Policy is effective as of June 24, 2025. We reserve the right to revise this policy to reflect changes in legislation or service structure. Significant updates will be communicated via email or platform notification to all active users.