Legal notice and privacy policy

Disclaimer

The author accepts no responsibility for the correctness, accuracy, timeliness, reliability or completeness of the information. Liability claims against the author for material or immaterial damage arising from access to, use or non-use of the published information, from misuse of the connection or from technical faults are excluded. All offers are non-binding. The author expressly reserves the right to change, supplement or delete parts of the pages or the entire offer, or to stop publication temporarily or permanently, without separate notice.

Liability for links

References and links to third-party websites are outside our area of responsibility. Any responsibility for such websites is declined. Access to and use of such websites is at the user’s own risk.

Copyright

The copyright and all other rights to content, images, photos or other files on the website belong exclusively to LiebeFinanzen.ch or the specifically named rights holders. Written consent from the copyright holders must be obtained in advance for the reproduction of any elements.

Source

This legal notice was created on 14.06.2020 with a legal notice generator and has been updated regularly since then.

General note

Based on Article 13 of the Swiss Federal Constitution and the federal data protection provisions (Data Protection Act, FADP), everyone has the right to protection of their privacy and to protection against misuse of their personal data. The operators of these pages take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with the statutory data protection regulations and this privacy policy.

Together with our hosting providers, we do our best to protect the databases as well as possible against unauthorised access, loss, misuse or falsification.

Please note that data transmission over the internet (e.g. when communicating by email) can have security gaps. Complete protection of data against access by third parties is not possible.

By using this website, you consent to the collection, processing and use of data as described below. This website can generally be visited without registration. Data such as the pages accessed or names of the files retrieved, date and time are stored on the server for statistical purposes, without this data being directly related to you. Personal data, in particular name, address or email address, is collected on a voluntary basis wherever possible. Data is not passed on to third parties without your consent.

Cookies

This website uses cookies. These are small text files that make it possible to store specific information related to the user on the user’s device while they use the website. Cookies make it possible in particular to determine how often the pages are used and by how many users, to analyse how the pages are used, and also to make our offer more user-friendly. Cookies remain stored after the end of a browser session and can be retrieved again when you visit the page again. If you do not want this, you should set your internet browser to refuse cookies.

You can object to the use of cookies for online marketing purposes for many services, especially in the case of tracking, via the US site http://www.aboutads.info/choices/ or the EU site http://www.youronlinechoices.com/. You can also prevent cookies from being stored by disabling them in your browser settings. Please note that in this case you may not be able to use all the functions of this website.

Third-party services

This website may use Google Maps to embed maps, Google Invisible reCAPTCHA to protect against bots and spam, and YouTube to embed videos.

These services of the American company Google LLC use cookies, among other things, and as a result data is transferred to Google in the USA. We assume that no personal tracking takes place merely through the use of our website.

Google LLC is certified under the EU-US Data Privacy Framework (DPF) and the Swiss-US Data Privacy Framework, which is intended to ensure an adequate level of data protection for data transfers to the USA.

Further information can be found in Google’s privacy policy.

Contact form

If you send us enquiries via the contact form, your details from the enquiry form, including the contact details you provide there, will be stored by us for the purpose of processing the enquiry and in case of follow-up questions. We do not pass on this data without your consent.

Newsletter data

If you would like to receive the newsletter offered on this website, we need an email address from you as well as information that allows us to verify that you are the owner of the email address provided and that you agree to receive the newsletter. No further data is collected. We use this data exclusively to send the requested information and do not pass it on to third parties.

You can revoke your consent to the storage of the data and the email address and their use for sending the newsletter at any time, for example via the «unsubscribe» link in the newsletter.

Comment function on this website

For the comment function on this website, in addition to your comment, information about the time the comment was created, your email address and, if you do not post anonymously, the username you have chosen are stored.

Storage of the IP address

Our comment function stores the IP addresses of users who write comments. As we do not check comments on our site before they are published, we need this data in order to take action against the author in the event of legal violations such as insults or propaganda.

Subscribing to comments

As a user of the site, you can subscribe to comments after registering. You will receive a confirmation email to check whether you are the owner of the email address provided. You can unsubscribe from this function at any time via a link in the info emails.

Objection to advertising emails

We hereby object to the use of contact data published as part of the legal notice obligation for sending unsolicited advertising and information material. The operators of the pages expressly reserve the right to take legal action in the event of unsolicited advertising, for example through spam emails.

Google Analytics

This website uses Google Analytics, a web analytics service of Google Ireland Limited. If the controller for data processing on this website is located outside the European Economic Area or Switzerland, Google Analytics data processing is carried out by Google LLC. Google LLC and Google Ireland Limited are hereinafter referred to as «Google».

The statistics obtained allow us to improve our offer and make it more interesting for you as a user. This website also uses Google Analytics for a cross-device analysis of visitor flows, which is carried out via a user ID. If you have a Google user account, you can deactivate the cross-device analysis of your usage in the settings there under «My data», «personal data».

The legal basis for the use of Google Analytics is Art. 6 para. 1 sentence 1 lit. f GDPR. The IP address transmitted by your browser as part of Google Analytics is not merged with other Google data. Please note that on this website Google Analytics has been extended by the code «_anonymizeIp();» to ensure anonymised collection of IP addresses. This means IP addresses are processed in shortened form, so they cannot be linked to a person. Where the data collected about you is personal, this link is therefore removed immediately and the personal data deleted straight away.

Only in exceptional cases is the full IP address transferred to a Google server in the USA and shortened there. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, to compile reports on website activity and to provide the website operator with further services related to website and internet use. For the exceptional cases in which personal data is transferred to the USA, Google LLC is certified under the EU-US Data Privacy Framework, https://www.dataprivacyframework.gov/.

Google Analytics uses cookies. The information generated by the cookie about your use of this website is usually transferred to a Google server in the USA and stored there. You can prevent cookies from being stored by adjusting your browser software accordingly; however, please note that in this case you may not be able to use all the functions of this website in full. You can also prevent the data generated by the cookie and related to your use of the website (including your IP address) from being collected by Google and processed by Google by downloading and installing the browser plug-in available at the following link: Deactivate Google Analytics.

You can also prevent the use of Google Analytics by clicking on this link: Deactivate Google Analytics. This stores a so-called opt-out cookie on your device, which prevents the processing of personal data by Google Analytics. Please note that if you delete all cookies on your device, these opt-out cookies will also be deleted, which means you will have to set the opt-out cookies again if you want to continue to prevent this form of data collection. The opt-out cookies are set per browser and computer or device and must therefore be activated separately for each browser, computer or other device.

Google AdSense

We use Google AdSense on this website. This is an advertising programme of Google Inc. In Europe, Google Ireland Limited (Gordon House, Barrow Street, Dublin 4, Ireland) is responsible for all Google services. Google AdSense allows us to display advertisements on this website that match our topic.

Google AdSense uses cookies to show users relevant ads, to improve campaign performance reports or to prevent a user from seeing the same ads several times. Via a cookie ID, Google records which ads are shown in which browser and can thus prevent them from being shown several times. In addition, Google AdSense can use cookie IDs to record so-called conversions related to ad requests. This is the case, for example, when a user sees a Google Ads advertisement and later visits the advertiser’s website with the same browser and buys something there. According to Google, Google Ads cookies do not contain any personal information.

Due to the marketing tools used, your browser automatically establishes a direct connection with the Google server. Through the integration of Google Ads, Google receives the information that you have accessed the relevant part of our website or clicked on one of our ads. If you are registered with a Google service, Google can assign the visit to your account. Even if you are not registered with Google or have not logged in, it is possible that Google obtains and stores your IP address.

You can prevent participation in this tracking procedure in various ways:

1. by adjusting your browser software accordingly, in particular, suppressing third-party cookies means that you will not receive any ads from third-party providers;
2. by deactivating cookies for conversion tracking, by setting your browser to block cookies from the domain «www.googleadservices.com», https://adssettings.google.com, although this setting will be deleted when you delete your cookies;
3. by deactivating the interest-based ads of the providers that are part of the «About Ads» self-regulation campaign via the link https://www.aboutads.info/choices, although this setting will be deleted when you delete your cookies;
4. by permanent deactivation in your Firefox, Internet Explorer or Google Chrome browsers via the link https://www.google.com/settings/ads/plugin. Please note that in this case you may not be able to use all the functions of this offer in full.

The legal basis for processing your data is a balancing of interests, according to which the processing of your personal data described above is not opposed by any overriding interests on your part (Art. 6 para. 1 sentence 1 lit. f GDPR). Further information on Google Ads is available at https://ads.google.com/home/, and on data protection at Google in general at https://policies.google.com/privacy. Alternatively, you can visit the website of the Network Advertising Initiative (NAI) at https://www.networkadvertising.org.

Instagram

Functions of the Instagram service are integrated into our website. These functions are offered by Instagram Inc., 1601 Willow Road, Menlo Park, CA 94025, USA. If you are logged into your Instagram account, you can link the content of our pages to your Instagram profile by clicking the Instagram button. This allows Instagram to assign the visit to our pages to your user account. Please note that, as the provider of the pages, we have no knowledge of the content of the transmitted data or its use by Instagram.

Further information can be found in Instagram’s privacy policy: http://instagram.com/about/legal/privacy/

Newsletter – Mailchimp

The newsletter is sent via the mailing service provider ‘MailChimp’, a newsletter platform of the US provider Rocket Science Group, LLC, 675 Ponce De Leon Ave NE #5000, Atlanta, GA 30308, USA. You can view the mailing service provider’s privacy policy here. The Rocket Science Group LLC d/b/a MailChimp is certified under the EU-US Data Privacy Framework and thus guarantees an adequate European level of data protection (Data Privacy Framework). The mailing service provider is used on the basis of our legitimate interests in accordance with Art. 6 para. 1 lit. f GDPR and a data processing agreement in accordance with Art. 28 para. 3 sentence 1 GDPR.

The mailing service provider may use the recipients’ data in pseudonymous form, i.e. without assigning it to a user, to optimise or improve its own services, e.g. for the technical optimisation of sending and displaying the newsletter or for statistical purposes. However, the mailing service provider does not use the data of our newsletter recipients to write to them itself or to pass the data on to third parties.

Copyright

The copyright and all other rights to content, images, photos or other files on the website belong exclusively to the operator of this website or the specifically named rights holders. Written consent from the copyright holder must be obtained in advance for the reproduction of any files.

Anyone who commits a copyright infringement without the consent of the respective rights holder may be liable to prosecution and possibly to pay damages.

General disclaimer

All information on our website has been carefully checked. We strive to keep our information up to date, correct and complete. Nevertheless, errors cannot be completely ruled out, which is why we cannot guarantee the completeness, correctness and timeliness of information, including of a journalistic or editorial nature. Liability claims for material or immaterial damage caused by the use of the information provided are excluded unless there is proven intentional or grossly negligent fault.

The publisher may change or delete texts at its own discretion and without notice and is not obliged to update the content of this website. Use of or access to this website is at the visitor’s own risk. The publisher, its clients or partners are not responsible for damages such as direct, indirect, incidental, specific or consequential damages allegedly caused by visiting this website and therefore accept no liability for them.

The publisher also accepts no responsibility or liability for the content and availability of third-party websites that can be reached via external links on this website. The operators of the linked pages are solely responsible for their content. The publisher thus expressly distances itself from all third-party content that may be relevant under criminal or liability law or that offends common decency.

Changes

We may adapt this privacy policy at any time without prior notice. The current version published on our website applies. Where the privacy policy is part of an agreement with you, we will inform you of the change by email or in another suitable way in the event of an update.

Questions about data protection

If you have any questions about data protection, please send us an email or contact the person responsible for data protection in our organisation named at the beginning of this privacy policy.