At SolvencyAnalytics AG, protecting the confidentiality, integrity and security of information is fundamental to our business. This Privacy Policy explains how we collect, use, disclose and protect personal data when you visit our website, communicate with us, or use our client portal and services.

This Privacy Policy applies to SolvencyAnalytics AG (“SolvencyAnalytics”, “we”, “us” or “our”) and is intended to meet applicable data protection requirements, including the Swiss Federal Act on Data Protection (“FADP”) and, where applicable, the EU General Data Protection Regulation (“GDPR”).

1. Who we are

The controller responsible for this website and related business communications is:

SolvencyAnalytics AG
Usteristrasse 12
8001 Zurich
Switzerland
Email: compliance@solvencyanalytics.com

For client portal services, SolvencyAnalytics may act either as a controller or as a processor on behalf of its clients, depending on the relevant contract and processing activity.

2. Personal data we collect

We may collect and process the following categories of personal data.

Website and contact data

When you visit our website or contact us, we may process:

  • name;
  • business email address;
  • company name;
  • job title;
  • telephone number;
  • message content;
  • information submitted through forms;
  • meeting request details;
  • IP address;
  • browser and device information;
  • cookie and analytics information.

Client and portal data

When clients or authorised users access our portal or services, we may process:

  • user account details;
  • login and authentication information;
  • access logs;
  • role and permission information;
  • business contact details;
  • support requests;
  • usage and security logs;
  • data uploaded, submitted or made available through the portal.

Where portal data contains client-provided business or personal data, the relevant client agreement may contain additional data processing terms.

Business relationship data

In the course of operating our business, we may process:

  • client and prospect contact details;
  • contract and billing information;
  • communications with clients, partners and suppliers;
  • records of meetings, proposals and support interactions;
  • CRM records.

3. How we collect personal data

We collect personal data:

  • directly from you when you submit a form, contact us, request a meeting, use the portal, or communicate with us;
  • automatically through cookies, analytics tools, logs and similar technologies;
  • from our clients when they provide authorised user or business contact information;
  • through business systems we use to manage client relationships, contracts, support and operations.

4. Why we use personal data

We process personal data for the following purposes:

  • to operate and improve our website;
  • to respond to enquiries and meeting requests;
  • to provide and secure access to our client portal;
  • to deliver our products and services;
  • to manage client accounts and business relationships;
  • to provide support;
  • to analyse website performance and usage;
  • to maintain IT security and prevent misuse;
  • to comply with legal, regulatory and contractual obligations;
  • to establish, exercise or defend legal claims.

We do not sell personal data.

5. Legal bases for processing

Where the GDPR applies, we rely on one or more of the following legal bases:

  • Performance of a contract: where processing is necessary to provide our services or manage a client relationship.
  • Pre-contractual steps: where you contact us to request information, a proposal or a meeting.
  • Legitimate interests: where processing is necessary for business communication, website operation, service improvement, IT security, fraud prevention, or client relationship management.
  • Consent: where required for non-essential cookies, analytics or similar technologies.
  • Legal obligation: where processing is required to comply with applicable laws.

Where processing is based on consent, you may withdraw your consent at any time.

6. Cookies and analytics

We use cookies and similar technologies on our website.

We use Cookiebot by Usercentrics to manage cookie consent and cookie settings. When you visit our website, you can accept, reject or customise non-essential cookies through the Cookiebot consent banner or cookie settings.

We may use the following categories of cookies:

  • Necessary cookies: required for the website to function and to provide security.
  • Preference cookies: used to remember selected settings.
  • Statistics cookies: used to understand how visitors use the website.
  • Marketing cookies: used only if enabled and applicable.

We use Google Analytics to understand website usage and improve our website. Google Analytics is used only where legally permitted and, where required, only after you have given consent through Cookiebot.

You can change or withdraw your cookie consent at any time through the cookie settings available on our website.

A detailed cookie declaration, including cookie names, providers, purposes and retention periods, is provided through Cookiebot on our website.

7. Service providers

We use trusted service providers to operate our website, portal and business systems. These may include providers of:

  • cloud hosting and infrastructure, including Amazon Web Services;
  • business email, calendar and collaboration tools, including Google Workspace;
  • customer relationship management tools, including Salesforce;
  • website analytics, including Google Analytics;
  • consent management, including Cookiebot by Usercentrics;
  • IT security, support, maintenance and professional services.

We host parts of our infrastructure and client services using Amazon Web Services. Business communications are managed using Google Workspace, including email, calendar and document collaboration. We use Salesforce to manage client relationships, sales activities and customer support. Information submitted through our website may be entered into our CRM where appropriate.

Service providers may process personal data only as necessary to provide their services to us and subject to appropriate contractual, technical and organisational safeguards.

8. International operations and transfers

SolvencyAnalytics AG is based in Switzerland and has operations in Hungary. We work with clients and service providers internationally.

Personal data may be processed in Switzerland, the European Economic Area, Hungary, the United Kingdom, the United States or other countries where we, our clients or our service providers operate.

Where personal data is transferred to a country that does not provide an adequate level of data protection, we use appropriate safeguards where required, such as standard contractual clauses, data processing agreements, technical and organisational security measures, or other legally recognised transfer mechanisms.

9. Data retention

We retain personal data only for as long as necessary for the purposes for which it was collected or otherwise processed, unless a longer retention period is required or permitted by law, contract, regulatory requirements, audit requirements or the establishment, exercise or defence of legal claims.

The applicable retention period may depend on the type of data, the context of the processing, the nature of our relationship with you or the relevant client, and our legal and operational obligations.

When personal data is no longer required, we delete, anonymise or otherwise handle it in accordance with applicable law and our internal procedures.

10. Data security

We use appropriate technical and organisational measures designed to protect personal data against unauthorised access, loss, misuse, alteration or disclosure.

These measures may include access controls, encryption, authentication, logging, monitoring, backup procedures, contractual confidentiality obligations and security reviews.

No method of transmission or storage is completely secure. However, we take reasonable steps to protect personal data in line with the nature of the data and the risks involved.

11. Client portal security

Access to the client portal is restricted to authorised users. We use security measures such as authentication, role-based permissions, encryption and logging to help protect client accounts and information.

Users are responsible for maintaining the confidentiality of their login credentials and for notifying us promptly if they suspect unauthorised access to their account.

12. Your rights

Depending on applicable law and your location, you may have the right to:

  • request access to your personal data;
  • request correction of inaccurate or incomplete data;
  • request deletion of your personal data;
  • request restriction of processing;
  • object to processing;
  • request data portability;
  • withdraw consent where processing is based on consent;
  • lodge a complaint with a competent data protection authority.

In Switzerland, the competent authority is the Federal Data Protection and Information Commissioner (“FDPIC”). In the EU or EEA, you may contact your local supervisory authority.

To exercise your rights, please contact us at:

compliance@solvencyanalytics.com

We may need to verify your identity before responding to a request.

13. Client-controlled data

Where we provide services through a client portal or otherwise process data on behalf of a client, some data may be controlled by that client under the relevant client agreement.

If your personal data has been submitted to us by one of our clients and you have questions about that data, you should generally contact the relevant client directly. Where appropriate, we will support our clients in responding to data protection requests.

14. Automated decision-making

We do not use website visitor data for automated decisions that produce legal effects or similarly significant effects.

If any client-specific service involves automated processing or analytics, this is governed by the relevant client agreement and service documentation.

15. Business users

Our website, client portal and services are intended for business users, including insurance companies, financial institutions, consultancies and corporate clients. They are not directed at consumers or children.

16. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The latest version will be published on this page with the updated date.

17. Contact

For questions about this Privacy Policy or how we process personal data, please contact:

SolvencyAnalytics AG
Usteristrasse 12
8001 Zurich
Switzerland
Email: compliance@solvencyanalytics.com