Privacy

SmartHypothèque SA
Address: Allée de la Petite Prairie 2, 1260 Nyon
Email: info@smarthypotheque.ch

The SmartHypothèque SA website aims to provide information and advice on real estate financing in French-speaking Switzerland, both for potential clients and interested visitors.

The website is hosted by:
Infomaniak Network SA
Address: Rue Eugène Marziano 25, CH – 1227 Les Acacias (GE)

The entire content of the SmartHypothèque SA website is protected by copyright. All rights are owned by SmartHypothèque SA. The elements of the SmartHypothèque SA website are accessible to the public for browsing purposes only. Reproduction of all or part of this material in written or electronic form is only permitted with explicit mention of SmartHypothèque SA. Any reproduction, transmission, modification, linking, or use of the SmartHypothèque SA website for public or commercial purposes is prohibited without prior written authorization from SmartHypothèque SA.
All names and logos on the SmartHypothèque SA website are generally trademarks and protected. The SmartHypothèque SA website is designed in such a way that no right or license is granted for the use of an illustration, a trademark, or a logo. Downloading or copying the SmartHypothèque SA website or parts of it does not confer any rights to the software or content of the SmartHypothèque SA website. SmartHypothèque SA reserves all rights to the entire content of the website, except for rights held by third parties.
The domain name of SmartHypothèque SA belongs to the company, and the content of the website is managed by SmartHypothèque SA.

While SmartHypothèque SA strives in good faith to ensure the reliability of the information contained on the website at the time of publication, SmartHypothèque SA assumes no warranty or liability for the accuracy, reliability, and completeness of the information provided on the site. The opinions and other information contained on the website may be changed at any time and without notice.
SmartHypothèque SA assumes no warranty or liability for interruptions of website functions, as well as for the absence of viruses or other harmful elements on the website or the corresponding server.

SmartHypothèque SA is only liable for damages caused by gross negligence or intent. SmartHypothèque SA disclaims all liability for damages caused by auxiliary persons. SmartHypothèque SA is not liable for loss of profit, data loss, or any other direct, indirect, or consequential damages resulting from access to the content of the SmartHypothèque SA website or its use, or the inability to access or use it, connecting to third-party websites, or technical failures.

The SmartHypothèque SA website contains links to third-party websites that may be of interest to you. SmartHypothèque SA has no control over third-party websites accessible through links on its website and is neither responsible nor liable for the content or operation of these third-party websites. This applies regardless of whether you leave the SmartHypothèque SA website by activating a link or if the display occurs within the SmartHypothèque SA website environment. Establishing this connection or visiting the third-party website is at the user’s own risk.

The operator of the SmartHypothèque SA website and, therefore, the entity responsible for the collection, processing, and use of your personal data and compliance with Swiss law, is SmartHypothèque SA. For any questions or suggestions regarding data protection, individuals can contact SmartHypothèque SA directly at the address info@smarthypotheque.ch.
Your trust is important to us, which is why we take data protection very seriously and ensure that the level of security is appropriate. We naturally comply with the legal provisions of the Federal Data Protection Act (DPA), the Ordinance to the Federal Data Protection Act (ODPA), the Telecommunications Act (TCA), and, where applicable, other legal provisions related to data protection, including the European Union’s General Data Protection Regulation (GDPR).
If you want to know what kind of personal data we collect about you and for what purposes we use it, please read the following information.

When you use our website or communicate with us in any way, personal data is collected about you. This process occurs when you enter data yourself, such as your email address. Our system also automatically collects data about you, for example, when you visit our website. This process takes place independently of the device or software you are using.
Entering data on our website is optional, and not disclosing it will not cause any inconvenience to you. However, without certain specific data, we may be unable to provide services or enter into contracts. We will inform you systematically about these mandatory pieces of information.
All processing of personal data must be lawful. To the extent that you have not consented to the processing of your personal data (which is the case, for example, when you provide us with your data in a form or by email), the processing of your personal data is generally justified by one or more of the following reasons: (i) the performance of a contract with you or the processing of your request for the conclusion of a contract (Art. 13, para. 2, lit. a, DPA; Art. 6, para. 1, lit. b, GDPR), (ii) compliance with a legal obligation (Art. 13, para. 1, DPA; Art. 6, para. 1, lit. c, GDPR), (iii) or the pursuit of another legitimate interest (Art. 13, para. 1 and 2, DPA; Art. 6, para. 1, lit. f, GDPR).

Visiting the smarthypotheque.ch website

When you browse our website, our servers temporarily store each access in a log file. The following data is recorded without your intervention and stored until it is automatically deleted no later than twelve months:

• The IP address of the computer from which the request originated
• The date and time of access
• The name and URL of the file accessed
• The website from which you accessed our site
• The operating system of your computer and the browser used
• The country from which you connected and the language of your browser
• The name of your Internet service provider

This data is collected and processed to enable the use of our website (establishment of the connection), ensure the long-term security and stability of the system, optimize our Internet offering, and for internal statistical purposes. Our legitimate interest in data processing within the meaning of Art. 13 para. 1 DPA or Art. 6 para. 1 lit. f GDPR is based on this. The IP address is used in particular to record the country of residence of the person visiting the website and to make an appropriate default language setting. The IP address is also used in the event of an attack on the network infrastructure of smarthypotheque.ch and for statistical purposes.

We only transfer your personal data if you have expressly authorized it, if there is a legal obligation, or if it is necessary for us to assert our rights, especially to exercise them in the context of the relationship between you and SmartHypothèque SA.
Furthermore, we transfer your data to third parties as soon as this becomes necessary for the use of this website to provide the services you want and for the analysis of your user behavior. As soon as this procedure becomes necessary for the purposes mentioned above, it can also take place abroad. To the extent that the website contains links to third-party websites, SmartHypothèque SA no longer has any influence over the collection, processing, storage, or use of personal data by these third parties once the user has clicked on these links and disclaims all responsibility in this regard.

SmartHypothèque SA is entitled to transfer your personal data to third parties (contractually engaged service providers) abroad if this is necessary for the data processing described in this data protection declaration. They commit themselves, like us, to protecting data. If the data protection level of a country does not correspond to that of Switzerland or the EU, we contractually ensure that the protection of your personal data always corresponds to that of Switzerland or the EU.

To protect the personal data we store from manipulation, loss, and unauthorized access by third parties, we use appropriate technical and organizational security measures. Our security measures are constantly being improved in line with technological developments.
Internal data protection is also very important to us. Both our employees and the service companies commissioned by us are obliged to maintain confidentiality and to comply with data protection regulations.
You can also contribute significantly to the security of your data by taking simple precautions. You should always ensure that your payment information remains confidential and close the browser window when you are no longer communicating with us, especially if you are sharing a computer with others.

1.General
In principle, the use of the pages on the smarthypotheque.ch website is possible without providing personal data. However, we use various cookies and other technologies that can lead to the processing of personal data even without the active disclosure of information by the user.
On your first visit to our website, you will be expressly informed about the use of cookies and other technologies through a banner. This banner refers to this data protection declaration, which explains in detail how the user can prevent the use of cookies and other technologies. By continuing to browse our website without using the cookie blocking options described here, the user expressly agrees to the use of cookies. The same applies to the use of tracking, marketing, and analysis tools, as well as social plugins.

2.Cookies
Cookies are information files that your internet browser automatically stores on the hard drive of your computer when you visit our site. They do not damage your computer’s hard drive and do not transmit personal data about users to us. Many cookies contain a unique identifier called a “cookie ID.” This is a string of characters that allows websites and servers to distinguish the individual browser of the person concerned from other internet browsers that store their own cookies. A specific internet browser can be recognized and identified by its unique cookie ID.
Cookies serve various purposes in making your visit to our website easier, more enjoyable, and more relevant. For example, we use cookies to customize information, offers, and advertising to your individual interests.

3.Web Analysis Tools
We use web analysis tools to obtain statistical data about the use of our site and improve our offering. These tools are usually provided by an external service provider (e.g., Google Analytics). In general, the information collected for this purpose about the use of a website is transmitted via cookies to the third party’s server, which may be located abroad (especially in the United States).
Before data is transmitted, the user’s IP address is shortened, preventing the identification of individual devices. IP addresses stored in connection with the use of third-party web analysis tools are not linked to other data from these third parties.
Detailed information about the web analysis tools used and the resulting data processing, as well as options for preventing or limiting their use, are provided in the appendices.

4.Tracking Tools
We use various tracking tools on our website. Through these tools, we can observe your browsing behavior. This measurement is intended to design our website according to your needs and optimize it continuously. In this context, pseudonymous user profiles are created, and cookies are used.
Detailed information about the tracking tools used and the resulting data processing, as well as options for preventing or limiting their use, are provided in the appendices.

5.Prevention and Deletion
Most internet browsers automatically accept cookies. However, you can configure your browser so that they are not stored on your computer or so that you receive a message every time a new cookie is received. You can also delete cookies from your computer or mobile devices using your browser’s corresponding function.
You will not be able to access all the features of our website if you disable cookies.

You have the right to receive, free of charge and on request, information about the personal data we store about you. You also have the right to correct incorrect data and have your personal data deleted, as long as there is no legal obligation to retain it, no legitimate interest in processing it, or no other legal basis for processing it. If the GDPR applies, you also have the right, in accordance with Art. 18 and 21 of that regulation, to request the restriction of data processing or to object to such processing.
If the GDPR applies, you also have the right to demand from us the return of the data you have provided (right to data portability). Upon request, we can also transmit the data to a third party of your choice. You have the right to receive the data in a standard file format.
You can contact us for the purposes mentioned above at the following address: info@smarthypotheque.ch. We may, at our discretion, require proof of your identity in order to process your requests.
You can also communicate with us and give us instructions on what to do in the event of a death.

If the GDPR applies to you, you have the right to lodge a complaint at any time with a data protection supervisory authority.

We only retain personal data for as long as necessary:

• To fulfill the services you have requested or for which you have given your consent
• To comply with our legal obligations

Contractual data will be stored by us for a longer period, as required by legal retention obligations. The retention obligations that require us to store data result from accounting and tax regulations. According to these regulations, business communications, contracts concluded, and accounting records must be kept for ten years. When these data are no longer required for the provision of services, they are generally blocked. This means that they can only be used for accounting and tax purposes.

We reserve the right to amend and supplement this declaration at any time and at our sole discretion. The current version is the one published on our website.

• Google Recaptcha: Anti-bot tool (Security) Google Inc. 1600 Amphitheatre Parkway Mountain View, CA 94043 USA
• Mapbox: Mapping tool Mapbox Washington, 750 15th St NW, United States

We reserve the right to change this privacy policy at any time to comply with applicable data protection laws.

To exercise your rights or for any questions regarding data protection, please contact us at the following address:

SmartHypothèque SA
Chemin de Chantemerle 14, 1010 Lausanne
info@smarthypotheque.ch
0848 070 070

We will strive to respond to your request as soon as possible and in accordance with applicable data protection law.