Customer Information (Art. 45 VAG)
Mandatory disclosure according to the Swiss Insurance Supervision Act (VAG).
The Expat-Savvy platform connects users with professional insurance advisors. To ensure full compliance and transparency regarding insurance intermediation in Switzerland, please read the following mandatory customer information.
1. Identity and Contact Details
All insurance advisory and brokerage services resulting from inquiries on this platform are exclusively handled by:
Lang & Partner GmbH
Ungebundener Versicherungsvermittler (Independent Insurance Broker)
Registered with the Swiss Financial Market Supervisory Authority (FINMA).
2. Broker Independence
Lang & Partner GmbH acts as an independent (ungebundener) insurance broker. This means they are not tied to any single insurance company by exclusivity agreements and can objectively compare and recommend products across the Swiss market that best fit your specific needs as an expat.
3. Role of Expat Digital Group LLC
Expat Digital Group LLC (NM, USA) operates the expat-savvy.ch website as a marketing and educational portal. Expat Digital Group LLC is not a regulated insurance broker in Switzerland and does not perform advisory functions. They merely facilitate the technical transmission of your request to Lang & Partner GmbH.
4. Liability and Complaints
In the context of Swiss insurance brokering, Lang & Partner GmbH maintains full professional liability coverage as required by FINMA. For any errors, omissions, or complaints relating directly to the insurance advice provided, Lang & Partner GmbH takes full responsibility.
5. Data Privacy in Advising
When you submit a consultation request, your data is securely handled in accordance with the Swiss Federal Act on Data Protection (FADP) to fulfill the advisory mandate.