Below you will find information on data protection and privacy practices for Expat-Savvy.ch.

Operator of the Website

The Expat-Savvy.ch website ("the Website") is operated by:

For insurance consulting matters, all services are provided by our partner:

Data Collection

Generally, visiting the Website does not require personal data. When you use the Website, non-personal data (e.g., your internet service provider, pages visited, or time spent on the site) may be collected to enhance user experience and improve services. This data does not identify you personally.

Personal data is collected only when you voluntarily provide it—such as submitting inquiries, requesting quotations, or using contact forms. By using the Website and providing personal data, you consent to its processing for marketing, communication, and insurance-consulting purposes.

Cookies

The Website uses cookies—small text files stored on your device—to:

• Recognize returning visitors
• Remember preferences
• Analyze usage patterns

Some cookies are session-based and expire when you close your browser; others persist to streamline future visits. You may configure your browser to block or delete cookies; however, this may impact the functionality of certain Website features.

Use and Disclosure of Personal Data

Your personal data will be used exclusively:

• To provide requested services (e.g., insurance quotes, consultations)
• To respond to inquiries
• To facilitate insurance-related advice through authorized partners

We do not sell personal data to third parties for research or advertising. Where necessary, data is shared with authorized insurance intermediaries and partners—all of whom are bound by strict confidentiality and data protection laws.

Right of Access and Rectification

You have the right, at any time, to:

• Request information about the personal data we hold
• Request rectification, restriction, or deletion of your data
• Obtain data portability, according to Swiss and applicable international law

To exercise these rights, please email hello@expat-savvy.ch.

Analytics

We may use third-party analytics tools (e.g., Google Analytics) to collect non-personal, aggregated usage data for understanding user behavior and improving content. IP addresses and related technical data may be anonymized to avoid identifying individuals.

Electronic Communications

Communications via the Website or email are generally unencrypted. By contacting us electronically, you acknowledge and accept the inherent risks (e.g., potential third-party interception).

Changes to this Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time without prior notice. The version currently published on the Website applies. If changes are significant, we will inform you via email or other appropriate channels.

Contact and Imprint

Governing Law and Acceptance

This Privacy Policy is governed by Swiss law. By using Expat-Savvy.ch, you confirm that you have read, understood, and agree to be bound by these privacy practices in accordance with Swiss data protection regulations.

These Terms of Service (hereafter "Terms") govern your use of Expat-Savvy.ch ("the Website"). By accessing or using the Website, you agree to these Terms in full.

Operator & Insurance Consulting

Operator of the Website

Insurance Consulting

For additional information regarding Swiss insurance regulation, see Art. 45 VAG (ISA).

Regulatory Information (Lang + Partner)

Lang + Partner Finanzdienstleistungen GmbH
Registration Number: F01067278
UID: CHE-112.184.261
Authorized as: Non-Tied Insurance Intermediaries
Date of First Registration: 30. June 2015
Branches of Insurance:
- Life Insurer
- Reinsurer
- Non-Life (Loss or Damage) Insurance

Territorial Restrictions

This Website is primarily intended for individuals and entities residing or registered in Switzerland. It is not intended for users located in—or citizens of—jurisdictions where access is restricted by law (including, but not limited to, the EU or the United States). If such legal restrictions apply, you are not permitted to use the Website.

Non-Binding Nature of Information

All content on the Website is provided for informational purposes only and does not constitute a binding offer or professional advice. Accessing the Website or contacting us does not create any contractual relationship. We strive for accuracy and timeliness but cannot guarantee complete correctness at all times.

Limitation of Liability and Disclaimer

While we endeavor to keep information current and reliable, we make no warranties regarding completeness, accuracy, or timeliness. We disclaim liability for any direct or indirect damages arising from use of—or inability to use—information on the Website, except where Swiss law mandates liability for intentional or grossly negligent conduct.

Links to external websites are provided as a convenience. We have no control over third-party sites and accept no liability for their content.

Electronic Communications

Communications via the Website or email are generally unencrypted, posing inherent risks (e.g., unauthorized interception). By using our electronic channels, you acknowledge and assume these risks.

Changes to These Terms

We may update or modify these Terms at any time, without prior notice. The latest version on the Website applies. If these Terms form part of an agreement with you, we will notify you of significant changes via email or other channels.

Imprint

Copyright Notice

All images, including AI-generated imagery, are owned by Expat-Savvy.ch and protected by Swiss and international copyright laws.

Governing Law and Jurisdiction

These Terms are governed by Swiss law. Any disputes arising from use of the Website shall be subject to the exclusive jurisdiction of the competent courts in Zurich, Switzerland, unless otherwise required by mandatory international provisions.

By using Expat-Savvy.ch, you acknowledge you have read, understood, and agree to be bound by these Terms, as well as all applicable Swiss legal standards.

Below you will find information on data protection and privacy practices for Expat-Savvy.ch.

Operator of the Website

The Expat-Savvy.ch website ("the Website") is operated by:

For insurance consulting matters, all services are provided by our partner:

Data Collection

Generally, visiting the Website does not require personal data. When you use the Website, non-personal data (e.g., your internet service provider, pages visited, or time spent on the site) may be collected to enhance user experience and improve services. This data does not identify you personally.

Personal data is collected only when you voluntarily provide it—such as submitting inquiries, requesting quotations, or using contact forms. By using the Website and providing personal data, you consent to its processing for marketing, communication, and insurance-consulting purposes.

Cookies

The Website uses cookies—small text files stored on your device—to:

• Recognize returning visitors
• Remember preferences
• Analyze usage patterns

Some cookies are session-based and expire when you close your browser; others persist to streamline future visits. You may configure your browser to block or delete cookies; however, this may impact the functionality of certain Website features.

Use and Disclosure of Personal Data

Your personal data will be used exclusively:

• To provide requested services (e.g., insurance quotes, consultations)
• To respond to inquiries
• To facilitate insurance-related advice through authorized partners

We do not sell personal data to third parties for research or advertising. Where necessary, data is shared with authorized insurance intermediaries and partners—all of whom are bound by strict confidentiality and data protection laws.

Right of Access and Rectification

You have the right, at any time, to:

• Request information about the personal data we hold
• Request rectification, restriction, or deletion of your data
• Obtain data portability, according to Swiss and applicable international law

To exercise these rights, please email hello@expat-savvy.ch.

Analytics

We may use third-party analytics tools (e.g., Google Analytics) to collect non-personal, aggregated usage data for understanding user behavior and improving content. IP addresses and related technical data may be anonymized to avoid identifying individuals.

Electronic Communications

Communications via the Website or email are generally unencrypted. By contacting us electronically, you acknowledge and accept the inherent risks (e.g., potential third-party interception).

Changes to this Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time without prior notice. The version currently published on the Website applies. If changes are significant, we will inform you via email or other appropriate channels.

Contact and Imprint

Governing Law and Acceptance

This Privacy Policy is governed by Swiss law. By using Expat-Savvy.ch, you confirm that you have read, understood, and agree to be bound by these privacy practices in accordance with Swiss data protection regulations.

These Terms of Service (hereafter "Terms") govern your use of Expat-Savvy.ch ("the Website"). By accessing or using the Website, you agree to these Terms in full.

Operator & Insurance Consulting

Operator of the Website

Insurance Consulting

For additional information regarding Swiss insurance regulation, see Art. 45 VAG (ISA).

Regulatory Information (Lang + Partner)

Lang + Partner Finanzdienstleistungen GmbH
Registration Number: F01067278
UID: CHE-112.184.261
Authorized as: Non-Tied Insurance Intermediaries
Date of First Registration: 30. June 2015
Branches of Insurance:
- Life Insurer
- Reinsurer
- Non-Life (Loss or Damage) Insurance

Territorial Restrictions

This Website is primarily intended for individuals and entities residing or registered in Switzerland. It is not intended for users located in—or citizens of—jurisdictions where access is restricted by law (including, but not limited to, the EU or the United States). If such legal restrictions apply, you are not permitted to use the Website.

Non-Binding Nature of Information

All content on the Website is provided for informational purposes only and does not constitute a binding offer or professional advice. Accessing the Website or contacting us does not create any contractual relationship. We strive for accuracy and timeliness but cannot guarantee complete correctness at all times.

Limitation of Liability and Disclaimer

While we endeavor to keep information current and reliable, we make no warranties regarding completeness, accuracy, or timeliness. We disclaim liability for any direct or indirect damages arising from use of—or inability to use—information on the Website, except where Swiss law mandates liability for intentional or grossly negligent conduct.

Links to external websites are provided as a convenience. We have no control over third-party sites and accept no liability for their content.

Electronic Communications

Communications via the Website or email are generally unencrypted, posing inherent risks (e.g., unauthorized interception). By using our electronic channels, you acknowledge and assume these risks.

Changes to These Terms

We may update or modify these Terms at any time, without prior notice. The latest version on the Website applies. If these Terms form part of an agreement with you, we will notify you of significant changes via email or other channels.

Imprint

Copyright Notice

All images, including AI-generated imagery, are owned by Expat-Savvy.ch and protected by Swiss and international copyright laws.

Governing Law and Jurisdiction

These Terms are governed by Swiss law. Any disputes arising from use of the Website shall be subject to the exclusive jurisdiction of the competent courts in Zurich, Switzerland, unless otherwise required by mandatory international provisions.

By using Expat-Savvy.ch, you acknowledge you have read, understood, and agree to be bound by these Terms, as well as all applicable Swiss legal standards.

Below you will find information on data protection and privacy practices for Expat-Savvy.ch.

Operator of the Website

The Expat-Savvy.ch website ("the Website") is operated by:

For insurance consulting matters, all services are provided by our partner:

Data Collection

Generally, visiting the Website does not require personal data. When you use the Website, non-personal data (e.g., your internet service provider, pages visited, or time spent on the site) may be collected to enhance user experience and improve services. This data does not identify you personally.

Personal data is collected only when you voluntarily provide it—such as submitting inquiries, requesting quotations, or using contact forms. By using the Website and providing personal data, you consent to its processing for marketing, communication, and insurance-consulting purposes.

Cookies

The Website uses cookies—small text files stored on your device—to:

• Recognize returning visitors
• Remember preferences
• Analyze usage patterns

Some cookies are session-based and expire when you close your browser; others persist to streamline future visits. You may configure your browser to block or delete cookies; however, this may impact the functionality of certain Website features.

Use and Disclosure of Personal Data

Your personal data will be used exclusively:

• To provide requested services (e.g., insurance quotes, consultations)
• To respond to inquiries
• To facilitate insurance-related advice through authorized partners

We do not sell personal data to third parties for research or advertising. Where necessary, data is shared with authorized insurance intermediaries and partners—all of whom are bound by strict confidentiality and data protection laws.

Right of Access and Rectification

You have the right, at any time, to:

• Request information about the personal data we hold
• Request rectification, restriction, or deletion of your data
• Obtain data portability, according to Swiss and applicable international law

To exercise these rights, please email hello@expat-savvy.ch.

Analytics

We may use third-party analytics tools (e.g., Google Analytics) to collect non-personal, aggregated usage data for understanding user behavior and improving content. IP addresses and related technical data may be anonymized to avoid identifying individuals.

Electronic Communications

Communications via the Website or email are generally unencrypted. By contacting us electronically, you acknowledge and accept the inherent risks (e.g., potential third-party interception).

Changes to this Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time without prior notice. The version currently published on the Website applies. If changes are significant, we will inform you via email or other appropriate channels.

Contact and Imprint

Governing Law and Acceptance

This Privacy Policy is governed by Swiss law. By using Expat-Savvy.ch, you confirm that you have read, understood, and agree to be bound by these privacy practices in accordance with Swiss data protection regulations.

These Terms of Service (hereafter "Terms") govern your use of Expat-Savvy.ch ("the Website"). By accessing or using the Website, you agree to these Terms in full.

Operator & Insurance Consulting

Operator of the Website

Insurance Consulting

For additional information regarding Swiss insurance regulation, see Art. 45 VAG (ISA).

Regulatory Information (Lang + Partner)

Lang + Partner Finanzdienstleistungen GmbH
Registration Number: F01067278
UID: CHE-112.184.261
Authorized as: Non-Tied Insurance Intermediaries
Date of First Registration: 30. June 2015
Branches of Insurance:
- Life Insurer
- Reinsurer
- Non-Life (Loss or Damage) Insurance

Territorial Restrictions

This Website is primarily intended for individuals and entities residing or registered in Switzerland. It is not intended for users located in—or citizens of—jurisdictions where access is restricted by law (including, but not limited to, the EU or the United States). If such legal restrictions apply, you are not permitted to use the Website.

Non-Binding Nature of Information

All content on the Website is provided for informational purposes only and does not constitute a binding offer or professional advice. Accessing the Website or contacting us does not create any contractual relationship. We strive for accuracy and timeliness but cannot guarantee complete correctness at all times.

Limitation of Liability and Disclaimer

While we endeavor to keep information current and reliable, we make no warranties regarding completeness, accuracy, or timeliness. We disclaim liability for any direct or indirect damages arising from use of—or inability to use—information on the Website, except where Swiss law mandates liability for intentional or grossly negligent conduct.

Links to external websites are provided as a convenience. We have no control over third-party sites and accept no liability for their content.

Electronic Communications

Communications via the Website or email are generally unencrypted, posing inherent risks (e.g., unauthorized interception). By using our electronic channels, you acknowledge and assume these risks.

Changes to These Terms

We may update or modify these Terms at any time, without prior notice. The latest version on the Website applies. If these Terms form part of an agreement with you, we will notify you of significant changes via email or other channels.

Imprint

Copyright Notice

All images, including AI-generated imagery, are owned by Expat-Savvy.ch and protected by Swiss and international copyright laws.

Governing Law and Jurisdiction

These Terms are governed by Swiss law. Any disputes arising from use of the Website shall be subject to the exclusive jurisdiction of the competent courts in Zurich, Switzerland, unless otherwise required by mandatory international provisions.

By using Expat-Savvy.ch, you acknowledge you have read, understood, and agree to be bound by these Terms, as well as all applicable Swiss legal standards.

Below you will find information on data protection and privacy practices for Expat-Savvy.ch.

Operator of the Website

The Expat-Savvy.ch website ("the Website") is operated by:

For insurance consulting matters, all services are provided by our partner:

Data Collection

Generally, visiting the Website does not require personal data. When you use the Website, non-personal data (e.g., your internet service provider, pages visited, or time spent on the site) may be collected to enhance user experience and improve services. This data does not identify you personally.

Personal data is collected only when you voluntarily provide it—such as submitting inquiries, requesting quotations, or using contact forms. By using the Website and providing personal data, you consent to its processing for marketing, communication, and insurance-consulting purposes.

Cookies

The Website uses cookies—small text files stored on your device—to:

• Recognize returning visitors
• Remember preferences
• Analyze usage patterns

Some cookies are session-based and expire when you close your browser; others persist to streamline future visits. You may configure your browser to block or delete cookies; however, this may impact the functionality of certain Website features.

Use and Disclosure of Personal Data

Your personal data will be used exclusively:

• To provide requested services (e.g., insurance quotes, consultations)
• To respond to inquiries
• To facilitate insurance-related advice through authorized partners

We do not sell personal data to third parties for research or advertising. Where necessary, data is shared with authorized insurance intermediaries and partners—all of whom are bound by strict confidentiality and data protection laws.

Right of Access and Rectification

You have the right, at any time, to:

• Request information about the personal data we hold
• Request rectification, restriction, or deletion of your data
• Obtain data portability, according to Swiss and applicable international law

To exercise these rights, please email hello@expat-savvy.ch.

Analytics

We may use third-party analytics tools (e.g., Google Analytics) to collect non-personal, aggregated usage data for understanding user behavior and improving content. IP addresses and related technical data may be anonymized to avoid identifying individuals.

Electronic Communications

Communications via the Website or email are generally unencrypted. By contacting us electronically, you acknowledge and accept the inherent risks (e.g., potential third-party interception).

Changes to this Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time without prior notice. The version currently published on the Website applies. If changes are significant, we will inform you via email or other appropriate channels.

Contact and Imprint

Governing Law and Acceptance

This Privacy Policy is governed by Swiss law. By using Expat-Savvy.ch, you confirm that you have read, understood, and agree to be bound by these privacy practices in accordance with Swiss data protection regulations.

These Terms of Service (hereafter "Terms") govern your use of Expat-Savvy.ch ("the Website"). By accessing or using the Website, you agree to these Terms in full.

Operator & Insurance Consulting

Operator of the Website

Insurance Consulting

For additional information regarding Swiss insurance regulation, see Art. 45 VAG (ISA).

Regulatory Information (Lang + Partner)

Lang + Partner Finanzdienstleistungen GmbH
Registration Number: F01067278
UID: CHE-112.184.261
Authorized as: Non-Tied Insurance Intermediaries
Date of First Registration: 30. June 2015
Branches of Insurance:
- Life Insurer
- Reinsurer
- Non-Life (Loss or Damage) Insurance

Territorial Restrictions

This Website is primarily intended for individuals and entities residing or registered in Switzerland. It is not intended for users located in—or citizens of—jurisdictions where access is restricted by law (including, but not limited to, the EU or the United States). If such legal restrictions apply, you are not permitted to use the Website.

Non-Binding Nature of Information

All content on the Website is provided for informational purposes only and does not constitute a binding offer or professional advice. Accessing the Website or contacting us does not create any contractual relationship. We strive for accuracy and timeliness but cannot guarantee complete correctness at all times.

Limitation of Liability and Disclaimer

While we endeavor to keep information current and reliable, we make no warranties regarding completeness, accuracy, or timeliness. We disclaim liability for any direct or indirect damages arising from use of—or inability to use—information on the Website, except where Swiss law mandates liability for intentional or grossly negligent conduct.

Links to external websites are provided as a convenience. We have no control over third-party sites and accept no liability for their content.

Electronic Communications

Communications via the Website or email are generally unencrypted, posing inherent risks (e.g., unauthorized interception). By using our electronic channels, you acknowledge and assume these risks.

Changes to These Terms

We may update or modify these Terms at any time, without prior notice. The latest version on the Website applies. If these Terms form part of an agreement with you, we will notify you of significant changes via email or other channels.

Imprint

Copyright Notice

All images, including AI-generated imagery, are owned by Expat-Savvy.ch and protected by Swiss and international copyright laws.

Governing Law and Jurisdiction

These Terms are governed by Swiss law. Any disputes arising from use of the Website shall be subject to the exclusive jurisdiction of the competent courts in Zurich, Switzerland, unless otherwise required by mandatory international provisions.

By using Expat-Savvy.ch, you acknowledge you have read, understood, and agree to be bound by these Terms, as well as all applicable Swiss legal standards.