Legal notice

1. Publisher and operator of the site

This website (hereinafter the “Site”) is published and operated by:

2. Hosting

The Site is hosted by:

3. Activity and insurance intermediary status

Swiss Premium Insurance Sàrl carries out insurance brokerage and intermediation activities. As such, the company is entered in the register of insurance intermediaries kept by FINMA as a non-tied intermediary, meaning that it is not bound to any particular insurance company by a relationship of dependence and acts in the interests of its clients.

The company holds professional liability insurance that complies with the legal requirements applicable to insurance intermediaries.

4. Purpose of the site

The purpose of the Site is to inform visitors about the 3rd pillar (individual pension provision 3a and 3b) and to enable them to be put in touch with an adviser from Swiss Premium Insurance Sàrl for a personalised analysis and, where appropriate, to take out a pension solution.

The content, simulations, and estimates provided on the Site are given for information purposes only. They do not constitute investment advice, tax advice, or a contractual offer. Only a personalised discussion with an adviser, taking your full situation into account, can produce a suitable recommendation. The operator makes every effort to ensure the accuracy of the information published, but cannot guarantee that it is complete or permanently up to date, since the legal and tax framework may change.

5. Intellectual property

All the elements making up the Site (structure, texts, visuals, graphics, logos, icons, simulators, code, and databases) are protected by Swiss intellectual property law and belong to Swiss Premium Insurance Sàrl or its partners, or are used with their permission.

Any reproduction, display, adaptation, distribution, or use, in whole or in part, of these elements, by any means whatsoever, without the operator's prior written authorisation, is prohibited and constitutes an infringement that may render the person responsible liable.

6. Liability

The operator strives to ensure the accessibility of the Site and the accuracy of its content, without any obligation to achieve a specific result. It cannot be held liable for:

• interruptions, unavailability, or malfunctions of the Site, particularly those linked to maintenance operations, technical failures, or the internet network;
• direct or indirect damage resulting from accessing the Site or using the information it contains;
• decisions made by the user solely on the basis of the Site’s content or simulations, without confirmation by an adviser.

The user is responsible for using up-to-date hardware and a browser free of anything that could compromise their security.

7. Hyperlinks

The Site may contain links to third-party sites. The operator has no control over these sites and accepts no responsibility for their content, availability, or data protection practices. Visiting these sites is solely the user’s responsibility.

8. Data protection and cookies

The processing of personal data collected via the Site is described in our privacy policy, drawn up in accordance with the Federal Act on Data Protection (nFADP). The Site uses cookies, the management of which is detailed in that same policy.

9. Applicable law

The Site and this legal notice are governed by Swiss law. Subject to any mandatory place of jurisdiction provided for by law, any dispute relating to the use of the Site falls within the exclusive jurisdiction of the courts of the Canton of Geneva.

10. Contact

For any question relating to the Site or this legal notice:

Swiss Premium Insurance Sàrl · Place Cornavin 14, 1201 Geneva
Phone: +41 22 559 86 84 · Email: contact@3emepilier-infos.ch