VTS Finance GmbH

PRIVACY POLICY

Introduction

V.T.S Finance GmbH places paramount importance on the privacy and security of your personal data. Within the scope of our financing, insurance, and real estate activities, we process your information in accordance with the Federal Act on Data Protection (nFADP) in force in Switzerland.

Data Controller

  • Company Name :V.T.S Finance GmbH
  • Address :Gartenstadtstrasse 5, 3098 Köniz, BE
  • Phone :+41 78 920 58 58
  • Email :info@vtsfinance.ch
  • Internal Contact :[Name of the controller / The Management]

Categories of Personal Data Processed

In order to execute its mandates professionally and in compliance with the law, V.T.S Finance GmbH processes the following categories of data:

1. Identification and Contact Data

  • Surname, first name
  • Date of birth
  • Nationality
  • Marital status
  • Postal address
  • Email address
  • Phone numbers

2. Financial Data

  • Proof of income (salary slips, employer certificates)
  • Recent extracts from the Debt Enforcement Office
  • Bank statements
  • Tax returns
  • Occupational pension certificates (LPP)

3. Insurance

  • Current insurance policies
  • Claims history

4. Real Estate Data

  • Acquisition budget
  • Available equity
  • Property search criteria
  • Title deeds or equivalent documents

Purposes of Data Processing

Personal data collected is processed only for determined, legitimate, and recognizable purposes, including:

Financing

  • Solvency analysis
  • Debt ratio calculation
  • Constitution and submission of financing files to banking institutions

Insurance Brokerage

  • Risk assessment
  • Comparison of insurance offers
  • Conclusion and management of contracts
  • Claims management

Real Estate Activities

  • Organization and follow-up of visits
  • verification of purchasing capacity
  • Preparation and coordination of notarial acts

Compliance and Legal Bases

  • Mandate Execution : processing necessary for the performance of our contractual services (loan analysis, brokerage).
  • Legal Obligations : compliance with Swiss legal provisions, including AMLA and financial supervision standards.
  • Consent : explicit agreement for the processing of sensitive data or for marketing purposes.

Transmission of Information to Third Parties

To the extent necessary for the execution of entrusted mandates, your personal data may be transmitted to the following categories of recipients:

  • Financial Institutions : banks and credit institutions
  • Insurance Companies : for quoting, concluding, and managing contracts
  • Control Bodies : Central Office for Credit Information (ZEK), Consumer Credit Information Centre (IKO)
  • Administrative Partners : notaries, land registries, tax administrations, real estate agencies
  • Technical Providers : IT suppliers, service providers, and secure host located in Switzerland

Data Retention Period

  • Contractual Relationship : data is kept for the entire duration of the business relationship.
  • Legal Obligations : after the end of the mandate, data is archived for 10 years, in accordance with the Swiss Code of Obligations.
  • Prospects : files that did not lead to a contractual relationship are deleted after 24 months.

Data Security

V.T.S Finance GmbH implements appropriate technical and organizational measures to guarantee the security of personal data, including:

  • Restricted access to data on a 'need to know' basis
  • Encryption protocols
  • Measures to protect against unauthorized access, loss, alteration, or disclosure of data

User Rights

In accordance with the nFADP, you have the following rights:

  • Right of access : obtain information about data concerning you
  • Right of rectification : have inaccurate or incomplete data corrected
  • Right to erasure : request the deletion of your data, subject to legal retention obligations
  • Right to portability : receive your data in a structured format, where authorized by law
  • Right to object : object to the processing of your data for the future or withdraw your consent at any time

You also have the right to lodge a complaint with the Federal Data Protection and Information Commissioner (FDPIC).
Any request concerning the exercise of your rights can be sent in writing to:
📧 info@vtsfinance.ch

Update

This privacy policy may be modified at any time to reflect legal or operational developments.
Last update: [date]