Legal
Initial information for policyholders
As an insurance intermediary, we are required under Art. 45 of the Federal Act on the Supervision of Insurance Companies (Insurance Supervision Act, ISA) to inform you of the following points before an insurance contract is concluded and before the first consultation. Please read this information carefully; if you have any questions, please contact your adviser.
1. Identity and address
[To be completed before publication: Firma gemäss Handelsregister], [To be completed before publication: Rechtsform]
[To be completed before publication: Strasse und Hausnummer], [To be completed before publication: PLZ und Ort], Switzerland
E-mail: [To be completed before publication: E-Mail-Adresse für allgemeine Anfragen] · Telephone: [To be completed before publication: Telefonnummer]
UID: [To be completed before publication: UID (laut Domainregistrierung CHE-431.567.960, zu bestätigen)]
"Profinio" is [To be completed before publication: eigene Firma oder Marke der genannten Firma].
2. Register entry
We are entered in the register of insurance intermediaries: [To be completed before publication: Register und Registernummer der Versicherungsvermittlung]. The advisers working for us are also registered where required by law: [To be completed before publication: Registereinträge der einzelnen Beraterinnen und Berater oder Verweis auf das öffentliche Register].
3. Tied or untied intermediation
[To be completed before publication: Status der Vermittlung: gebunden oder ungebunden]
Optional section: Ungebundene Vermittlung – nur falls die Betreiberin als ungebundene Vermittlerin tätig ist
We act as an untied insurance intermediary. This means that we stand in a relationship of loyalty to you as our client and act in your interest. We work with several insurance companies and are not tied to any of them. Cooperation agreements exist with the following insurance companies: [To be completed before publication: Liste der Versicherer mit Zusammenarbeitsverträgen (ungebunden)]. Unless expressly agreed otherwise, our recommendations take into account a sufficient number of insurance contracts available on the market.
Optional section: Gebundene Vermittlung – nur falls die Betreiberin als gebundene Vermittlerin tätig ist
We act as a tied insurance intermediary and intermediate insurance contracts for the following insurance companies: [To be completed before publication: Liste der Versicherer, für die vermittelt wird (gebunden)]. Our recommendations are limited to the products of these insurance companies.
4. Liability
[To be completed before publication: Wer haftet für Fehler, Nachlässigkeit oder falsche Auskünfte der Vermittlung (die Betreiberin selbst oder das Versicherungsunternehmen)]
For errors, negligence or incorrect information in connection with our intermediation activity, [To be completed before publication: haftende Person oder Gesellschaft] is liable in accordance with the statutory provisions. We hold professional liability insurance with [To be completed before publication: Berufshaftpflichtversicherer] with a sum insured of [To be completed before publication: Deckungssumme der Berufshaftpflichtversicherung].
5. Remuneration
[To be completed before publication: Entschädigungsmodell: Courtage vom Versicherer, Honorar vom Kunden oder beides]
Optional section: Courtage – nur falls die Betreiberin von Versicherungsunternehmen entschädigt wird
For the intermediation of insurance contracts we receive remuneration from the insurance companies (brokerage commission), which is included in the premium. We disclose the nature and amount of this remuneration to you on request and, in the case of untied intermediation, in any event before the contract is concluded: [To be completed before publication: Art und Berechnung der Courtage, Bandbreiten je Versicherungsart].
Optional section: Honorar – nur falls die Betreiberin ein Honorar vom Kunden verlangt
For advisory services that are not covered by remuneration from the insurance companies, we charge you a fee. The basis is our written agreement with you: [To be completed before publication: Honorarmodell und Ansätze (z. B. Stundensatz, Pauschale)].
If we receive both a brokerage commission and a fee for the same service, we will inform you of this and [To be completed before publication: Regelung zur Anrechnung oder Weitergabe von Courtagen bei gleichzeitigem Honorar].
6. Advisers, education and training
Our advisers hold the qualifications required for insurance intermediation and undertake regular further training: [To be completed before publication: Aus- und Weiterbildung der Beraterinnen und Berater (z. B. Abschlüsse, Zertifizierungen) – nur bestätigte Angaben]. Information about your personal adviser can be found in the client portal.
7. Ombudsman office
In the event of a dispute, you may contact the following ombudsman office: [To be completed before publication: Angeschlossene Ombudsstelle (Name, Adresse, Website)]. Proceedings before the ombudsman office are generally free of charge for you. Your right to pursue the ordinary course of law remains unaffected.
8. Handling of your personal data
For your consultation we process personal data, including information about you, your personal and financial situation and your existing insurance policies. Insurance documents may contain health information; we process such information only with your explicit consent and only to the extent necessary for your consultation. We disclose your data to insurance companies only where this is necessary to obtain quotes, to conclude a contract or to administer a contract, and where you have agreed to this.
The data is stored on servers in Germany; encrypted backups are held in the Netherlands. Infinity Media (Switzerland) has been engaged as processor to operate the platform. No AI service is used. Details, retention periods and your rights (access, rectification, erasure, data portability, withdrawal, complaint) can be found in our privacy policy. Contact for data protection enquiries: [To be completed before publication: E-Mail-Adresse für Datenschutzanfragen].
Optional section: Finanzdienstleistungen nach FIDLEG – nur falls Finanzdienstleistungen zu Finanzinstrumenten erbracht werden (Anlageberatung, Vermögensverwaltung, Vorsorge mit Wertschriften)
9. Financial services under the Financial Services Act (FinSA)
Where we provide you with financial services relating to financial instruments, the information duties under the Financial Services Act (FinSA) additionally apply. Our client advisers are entered in the register of advisers: [To be completed before publication: Beraterregister und Registernummern nach FIDLEG]. We are affiliated to the following ombudsman office under FinSA: [To be completed before publication: Ombudsstelle nach FIDLEG]. Supervisory organisation: [To be completed before publication: Aufsichtsorganisation nach FIDLEG, falls zutreffend]. We will explain client segmentation, the appropriateness and suitability assessment as well as costs and risks to you separately before providing the service.
Optional section: Steuerberatung durch Partner – nur falls die Steuerberatung durch externe Partner erbracht wird
10. Tax advice
We provide tax advisory services in cooperation with [To be completed before publication: Partner für Steuerberatung (Firma, Adresse)]. Where your data is disclosed to this partner for that purpose, we will inform you in advance and obtain your consent.
Confirmation of receipt
This initial information is available to you at all times in the client portal and on our website. By registering in the client portal or at the start of the consultation, you confirm that you have received this information; the time and the version are recorded. On request, we will provide you with the initial information in paper form.