Legal notice
Last updated: 01/08/2025
1. General information
In accordance with Swiss legal provisions relating to the transparency of commercial websites, users of the site www.choisirmon3emepilier.ch are informed of the identity of the various parties involved in its creation and monitoring:
Owner: Planifique SARL
IDE number: CHE-460.620.616
FINMA number: F01297936
Adress: Chemin du Pavillon 2, 1218 Le Grand-Saconnex, Geneva — Switzerland
Contact: support@meilleur-troisieme-pilier.ch
Publication Manager: Paul D. — support@meilleur-troisieme-pilier.ch
Webmaster: Paul D. — support@meilleur-troisieme-pilier.ch
Host: Webflow, Inc. 398 11th Street, 2nd Floor San Francisco, CA 94103 United States
Visual credits: Unsplash, Pexels and internal creations by PLANIFIQUE SARL
2. Terms of use
Access and use of the site https://www.meilleur-troisieme-pilier.ch/ implies full and complete acceptance of these conditions of use.
These conditions may be changed at any time and without notice. Users are therefore invited to consult them regularly.
The site is normally accessible all the time. However, temporary interruptions may be decided by Planifique SARL for technical or maintenance reasons, after prior communication as far as possible.
3. Purpose of the site
The purpose of the site https://www.meilleur-troisieme-pilier.ch/ is to inform users about how the 3rd pillar works in Switzerland and the retirement solutions offered.
The information provided is for informational purposes only and does not constitute a contractual offer or personalized financial, fiscal or legal advice.
Planifique SARL strives to provide accurate and up-to-date information. However, errors, omissions, or regulatory changes may occur.
The company cannot be held responsible for any inaccuracy or delay in updating, whether caused by itself or by third party partners.
4. Technical limitations
This site uses JavaScript technology and requires a modern and up-to-date browser for optimal viewing.
Planifique SARL cannot be held responsible for any material damage, loss of data or malfunction resulting from the use of the site or from a technical incompatibility.
5. Intellectual property
All elements of the site (texts, images, graphics, logos, logos, logos, icons, icons, videos, codes, etc.) are the exclusive property of Planifique SARL or are used with its authorization.
Any reproduction, representation, distribution or modification, total or partial, without prior written authorization, is strictly prohibited.
6. Responsibility
Planifique SARL declines all responsibility for:
- direct or indirect damage resulting from the use of the site;
- temporary interruptions, bugs, or technical errors;
- External content accessible via hypertext links.
The user is solely responsible for the use he makes of the information available on the site.
7. Data protection (NLPD and RGPD)
Planifique SARL is committed to protecting personal data in accordance with the Federal Data Protection Act (NLPD), in force since September 1, 2023, as well as the General Data Protection Regulation (RGPD) for users in the European Union.
Data collected
The information collected via the forms (name, email, telephone, telephone, canton, year of birth, etc.) is used exclusively for:
- processing information requests;
- follow-up of the appointment;
- communication of information relating to the services of Planifique SARL, subject to explicit consent.
No data is sold, transmitted or communicated to third parties without prior consent.
Retention period
The data is only kept for the period necessary for processing and then deleted or anonymized, unless there is a longer legal obligation to keep it.
International transfers
The data is hosted in Switzerland and/or in the European Union. In the event of a transfer to a country that does not provide an adequate level of protection, standard contractual clauses or equivalent guarantees would be implemented in accordance with the Personal Data Protection Directive (NLPD).
User rights
In accordance with the NLPD and the RGPD, each user has the right to access, rectify, delete, limit and portability of their data.
Any request can be sent to: support@meilleur-troisieme-pilier.ch
In the event of a data breach likely to present a risk for the persons concerned, Planifique SARL will inform the competent authority and, if necessary, the persons concerned without delay.
8. Analysis of cookies and navigation
The site https://www.meilleur-troisieme-pilier.ch/ uses cookies to improve navigation and analyze traffic.
These cookies do not allow the user to be personally identified.
Users can accept or refuse cookies via the information banner or their browser settings. Rejecting certain cookies may limit certain functionalities of the site.
9. Applicable law and competent jurisdiction
This legal notice is governed by Swiss law.
Any dispute relating to their interpretation or use of the site falls under the exclusive jurisdiction of the courts of the Canton of Geneva, unless otherwise provided by law.
10. Regulated status and compliance with FINMA
Planifique SARL is an insurance intermediary authorized by FINMA (Swiss Financial Market Supervisory Authority) under the number F01297936.
The company operates independently and acts exclusively in the interests of its customers.
The information and simulations presented on this site are provided for information purposes only and do not constitute a contractual offer.
The solutions may vary depending on the situation of each customer. For a personalized evaluation, it is recommended to contact an authorized Planifique SARL advisor.
11. Comparison and partners
The comparisons offered on this site are based on a set of partner companies selected according to the products available and the profile of each user.
The list of partners presented is not exhaustive and may be modified at any time.
The results are indicative and do not constitute personalized recommendations.
