Legal information

Our websites contain a lot of information about our company, the services we provide and our products. This information, these services and these products do not constitute an offer or a quotation as defined by the law or a recommendation for the conclusion of any type of legal transaction. Helvetia accepts no liability (either expressly or tacitly) for the accuracy, completeness and topicality of the information and opinions published on its websites. In particular, Helvetia is not obliged to remove out–of–date information from its website or to expressly identify said information as no longer relevant. The information on the websites does not constitute decision–making advice for business, legal, tax or other questions.

All the contents of the Helvetia websites are protected by copyright. The information contained on the websites is provided by us exclusively for private consumption and for the purposes of information and may not be downloaded for commercial purposes. The full or partial reproduction, transmission (electronic or in any other form), modification, linking or use of the Helvetia websites for public or commercial purposes without the prior written permission of Helvetia is prohibited. When downloading and printing individual pages or parts thereof, copyright symbols and other legally protected signs must be preserved and reproduced. Helvetia offers no guarantee or assurance that your use of the material displayed on its sites will not violate the rights of third parties who are not part of or affiliated to Helvetia Group. Express permission must always be obtained in advance before you create a link from a third–party website to a Helvetia website.

The Signature_Pad software, which is used on Helvetia websites, is licensed under a MIT licence. The copyright (c) 2018 is held by Szymon Nowak.

The copyright (c) 2004 Ngx-Extendend-PDF-Viewer software, which is used on Helvetia websites is held by Stephan Rauh. The use of the software is licensed under the Apache License Version 2.0.

Helvetia cannot guarantee that information, software, documents and other information are free from viruses or other harmful components. Under no circumstances is Helvetia liable for any direct or indirect damage or consequential damage that arises in any way whatsoever in connection with the use of the internet and its websites. This legal disclaimer also includes all failures of the internet of any kind whatsoever and misuse by third parties. In particular, Helvetia refers to the dangers caused by viruses and hacking attempts. You can access other websites that are linked to the Helvetia websites. Helvetia is not responsible for the contents or availability of such external websites nor does it endorse, support or confirm the information that is contained on such websites.

The Helvetia websites are not addressed to persons who are not allowed to access these websites under the laws that apply to them. Unless stated otherwise, the product information published and the products offered by Helvetia Insurance Switzerland (Helvetia Swiss Insurance Company Ltd, St. Gallen and Helvetia Swiss Life Insurance Company Ltd, Basel) on the internet are only valid for persons and companies resident or domiciled in Switzerland and the Principality of Liechtenstein.

Helvetia reserves the right to amend its websites at any time and without prior notification.

All legal relationships that arise from accessing the Helvetia websites are subject to Swiss law – insofar as the companies of Helvetia within Switzerland are affected. The exclusive legal venue is either St.Gallen or Basel. If other companies in the Helvetia Group are affected, the law of the domicile of the company affected shall apply. In this case the legal venue shall be the domicile of the company affected.

Information about insurance intermediation under Art. 45 of the Insurance Supervision Act (ISA)

Insurance intermediation

Helvetia Swiss Insurance Company Ltd., Dufourstrasse 40, 9000 St. Gallen, and Helvetia Swiss Life Insurance Company Ltd., St. Alban-Anlage 26, 4052 Basel (hereinafter jointly referred to as "Helvetia") are insurance companies and, along with their employees, are considered to be tied insurance intermediaries. They offer products from the following insurance companies:

• Helvetia Swiss Insurance Company Ltd, Dufourstrasse 40, 9000 St. Gallen
• Helvetia Swiss Life Insurance Company Ltd., St. Alban-Anlage 26, 4052 Basel, Switzerland
• European travel insurance, branch office of Helvetia Swiss Insurance Company Ltd, St. Alban-Anlage 56, CH-4052 Basel
• smile.direct insurances, branch office of Helvetia Swiss Insurance Company Ltd, Zürichstrasse 130, 8600 Dübendorf
• Coop Rechtsschutz AG, Entfelderstrasse 2, 5000 Aarau
• Chubb Insurance (Switzerland) Limited, Bärengasse 32, 8001 Zurich
• Sanitas Privatversicherungen AG, Jägergasse 3, 8004 Zurich
• Innova Versicherungen AG, Bahnhofstrasse 4, 3073 Gümligen

Helvetia offers advisory services for the brokered insurance products.

Training and continuing professional development

Helvetia and its employees have the skills and expertise required for their insurance intermediation activities. For further information, please contact info@helvetia.ch.

Liability for negligence, errors or incorrect information

For liability-related matters related to the intermediation of the above-mentioned products, please contact:

    Helvetia Insurance
    Head of Distribution Switzerland
    St. Alban-Anlage 26
    4002 Basel
    058 280 10 00

Processing of personal data

Helvetia processes certain personal data in connection with the intermediation of the above-mentioned insurance products.

Helvetia’s data protection policy is available, along with further information about personal data processing, especially concerning the purpose and scope of such processing, as well as the recipients and storage of the data, on the following website: www.helvetia.ch/privacy

Complaints and extrajudicial conciliation bodies for affected persons residing or domiciled in the Principality of Liechtenstein

Complaints

Affected persons residing or domiciled in the Principality of Liechtenstein may submit any complaints about insurance distribution by Helvetia (advisory services, recommendations or the performance of other work preparatory to entering into insurance contracts, the formation of such contracts or participation in the administration and performance of such contracts) to the following office:

    Helvetia Insurance
    Head of Distribution Switzerland
    St. Alban-Anlage 26
    4002 Basel
    Switzerland
    058 280 10 00

In such cases, affected persons residing or domiciled in the Principality of Liechtenstein may address the supervisory authority having jurisdiction over Helvetia:

    Swiss Financial Market Supervisory Authority FINMA
    Laupenstrasse 27
    3003 Bern
    Switzerland

Extrajudicial Conciliation Board

For dispute resolution, policyholders residing or domiciled in the Principality of Liechtenstein may submit any complaints about insurance distribution by Helvetia (advisory services, recommendations or the performance of other work preparatory to entering into insurance contracts, the formation of such contracts or participation in the administration and performance of such contracts) to the extrajudicial Conciliation Board:

    Extrajudicial Conciliation Board
    c/o Dr. Peter Wolff, Attorney-at-law
    Landstrasse 60
    P.O. Box 343
    9490 Vaduz
    Principality of Liechtenstein
    www.schlichtungsstelle.li