Legal notice

Contact address
Hypo Advisors SA
avenue Krieg 7
CH-1208 Geneva

Phone : +41 22 347 24 24

Respresentative
Kevin Rossier, administrator

Registration in the commercial register
Name Registered : Hypo Advisors SA
Number : CHE-288.622.265
Office of commercial register : Geneva
VAT Number : CHE-288.622.265 TVA

FINMA Register (Swiss Financial Market Supervisory Authority)
Type : non-tied insurance intermediaries
Registration number : 32765

Brand
Hypo Advisors ®, registered trademark and filed with the Federal Institute of Intellectual Property (IGE)
IGE registration number: 694236

Legal terms
Everyone who consults the information published in this website declares to accept the following conditions.
In case of divergence between the french and english version of this terms and conditions, the french version shall prevail.

Exclusion of responsability
The author assumes no guarantee for the correctness, accuracy, timeliness, reliability or completeness of the content.
Liability claims against the author due to material or immaterial damages resulting from access to published information or use or non-use, the misuse of the connection or technical faults, is excluded.
All offers are not binding. The author expressly reserves the right to change parts of the website or the entire offer without notice, to supplement, delete or to temporarily or permanently cease publication.

Responsability of links
References and links to third party websites are not within our area of responsibility. We accept no liability for such web pages. The access to such web pages and their use are the sole risk of the user.

Intellectual property rights
Copyright and all other rights to the content, images, photos or other files on the website are the exclusive property of the company Hypo Advisors SA or the holders of rights specifically mentioned. Reproduction of any material is subject to the prior written consent of the copyright holders.

Data protection / transfer to third parties
According to Article 13 of the Swiss Federal Constitution and the provisions on data protection of the Confederation (Federal Act on Data Protection, LPD), everyone has the right to protection of their private sphere, and that protection against misuse of their personal data. We respect these provisions.
In close cooperation with our hosting provider, we strive to best protect databases against third party access, loss, abuse or falsification.
When accessing our web pages, the following data is stored in log files: IP address, date, time, browser and application of the transmitted information generally on the operating system, resp. the browser. These data usage form the basis for anonymous statistical evaluations, from which it is possible to observe trends enabling us to improve our offerings accordingly.
By submitting information or materials to Hypo Advisors SA, the user authorizes us to call them / transfer by all appropriate channels (physical transmission or e-mail) to partners (banks, insurance companies or other authorized providers to grant mortgages ) in order to obtain a mortgage or insurance offers.
Hypo Advisors SA bears no responsibility for the processing, storage and use of information and documents passed to partners.
In case the user wants to exclude the transmission of information to a specific partner, it shall expressly so request from Hypo Advisors SA.

Electronic communications
The data transmitted by Internet or e-mail can potentially be lost, intercepted, modified or read by third parties.
Hypo Advisors SA cannot guarantee the confidentiality of messages or documents transmitted through such channels.
If you submit information or documents relating to you or your situation, you should be aware that third parties can potentially access this information and thus collect and use the data without your permission.
The user bears full responsibility for any damage that he himself or a third party could suffer through the use of our website and its associated tools (online mortgage application, contact form, emails, etc).

Remuneration
Unless agreed on the contrary, all services provided by Hypo Advisors SA are free of charge for the user.
Hypo Advisors SA generates an important volume of business for its partners and releases them of several costs (mainly acquisition and marketing costs).
To remunerate the services provided by Hypo Advisor its parteners pay it via comissions.
User expressly waives all claims on the said commissions and recognizes that they return fully of right to Hypo Advisors SA.

Conclusion of businesses
The conclusion of any eventual business (mortgage credits, insurance contracts and others) is responsibility of solely the user and the chosen credit provider.
Hypo Advisor SA doesn’t have any responsibility over the content of the deals made between the user and the chosen credit provider, the rights and obligations between the parties are of their own responsibility.
Hypo Advisors SA cannot be held accountable in case of breach of contract by neither of the parts involved in the deal (user and provider).

Mortgage calculators
Our calculators only have an informative usage and it does not imply in any sort of financial offer. They do not take in consideration some aspects such as age, financial situation and complete personal of the user and many other aspects that may influence your mortgage plan.

Insurance
As requested in Article 43 para. 1 of the Insurance Supervision Act (ISA), Hypo Advisors SA act as a non-tied insurance intermediaries and is registered at FINMA (Swiss Financial Market Supervisory Authority).

Data protection statement for the use of Facebook plug-ins (Like-Button)
Our website uses Social Plugins (“plugins”) from the social networkfacebook.com, operated by Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA (“Facebook”). These plugins can be identified by the Facebook logo or by the “Like“ button. A list of plug-ins can be found at http://developers.facebook.com/docs/plugins/ .
When you visit one of our web pages with this plugin installed, your browser creates a direct connection to the Facebook server. By connecting the plugin, Facebook receives the information that you have visited the corresponding page of our website with your IP address. If you click on the “Like” button while you are logged into your Facebook account you can link the content on our site with your Facebook Profile.
As operator of the website we receive no information regarding the nature of the data sent to Facebook or how it is used. More information can be found at http://de-de.facebook.com/policy.php
If you do not want Facebook to collect data about you via our website, you must log out of Facebook prior to visiting our website.

Data protection statement for the use of the web messenger Twitter.com
This website also uses the web messenger twitter.com, provided by Twitter Inc., 1355 Market St, Suite 900, San Francisco, CA 94103, USA. Twitter offers the so called “tweet”- function. This enables you to publish a 140 character message including website-links on your own twitter account. If you use the “tweet”-function on our website, the website will be connected with your twitter account and eventually published there. Twitter also receives data. We do not get any information on the content and data that you use with twitter. For further information on data protection of twitter please refer to: http://twitter.com/privacy
Twitter also offers you the possibility to personalize your data protection settings.: http://twitter.com/account/settings.

Google AdSense Disclaimer
Privacy Statement for using Google Adsense : This website uses Google AdSense, a service for including advertisements from Google Inc. (“Google”). Google AdSense uses “cookies”, text files that are stored on your computer, to allow to analyze the use of the internet. Google AdSense uses also web beacons (invisible images). Through these web beacons information such as the visitor traffic are evaluated on these pages.
The information generated by cookies and web beacons about the usage of this website (including your IP address) and the delivery of advertising formats are transmitted to a Google server in the USA and stored there. This information can be given by Google to contractors of Google. Google will not bring your IP address together with other data stored by you.
You may refuse the use of cookies by selecting the appropriate settings on your browser, but we point out that in this case you may not be able to use all features of this website. By using this website you agree to the processing of data about you by Google in the manner described and for the aforementioned purpose.

Data protection statement for the use of Google Analytics
This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States . Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Google +1 Button
The collection and dissemination of data: The Google +1 button is a way for you to share information publicly with the world. The Google +1 button helps you and others receive personalized content from Google and our partners. The fact that you +1’d something will be recorded by Google, along with information about the page you were viewing when you clicked on the +1 button. Your +1’s may appear to others as an annotation with your profile name and photo in Google services (such as in search results or on your Google Profile) or elsewhere on websites and ads on the Internet.
Google is recording information about your +1 activity in order to provide you and other users with a better experience on Google services. In order to use the Google +1 button, you need to have a public Google Profile visible to the world, which at a minimum includes the name you chose for the profile. That name will be used across Google services and in some cases it may replace another name you’ve used when sharing content under your Google Account. Google may display your Google Profile identity to people who have your email address or other identifying information.
Use of the collected information: In addition to the above-described uses, the information you provide to Google is used subject to Googles main Privacy Policy (http://www.google.com/intl/de/policies/privacy/). Google may share aggregate statistics related to users’ +1 activity with the public, their users, and partners, such as publishers, advertisers, or connected sites. For example, they may tell a publisher that “10% of the people who +1’d this page are in Tacoma, Washington.”

Governing law and Jurisdiction
All legal relations are governed by Swiss law. The exclusive jurisdiction is Geneva.