By accessing our website (including sub-websites; collectively the "website") and the services, information, tools and documentation described or linked therein, you acknowledge and agree to the following legal notices and terms of use.

Dual male-female forms will not be used here in order to improve readability.

No offer and no advisory relationship
Our website, with its data, information, references, documents and tools, is primarily intended for the presentation of our company and our products and services. The data given here are provided for information purposes only and do not constitute any kind of legal, fiscal or business recommendation.

None of the suggestions, checklists, models, recommendations, profiles or calculation examples contained therein constitute offers for taking out contracts or invitations to submit a tender, but are intended only to illustrate possible insurance or financing solutions. Tables, charts, information sheets, overviews, automatically generated calculations including those of a fiscal nature, evaluations etc. are not binding and are intended to serve only as guidelines, except in the case of online offers or quotations specifically designated as being binding.

Accessing our website in no way creates any customer relationship with Swiss Life, nor does it constitute the basis for an advisory relationship.

Future developments and external influences
All data, information and recommendations contained on our website, specifically those of a forward-looking nature, are based on the current state of knowledge at the date of creation and are provided to the best of our knowledge and belief. Figures shown in overviews, tables, graphic illustrations and information sheets may be based on estimates and forecasts. If or when additional or new information becomes available, such data and information can be updated. However, Swiss Life is not obliged to update data and information on an ongoing basis. Data, information and recommendations can also be influenced by particular factors such as changed market trends, currency and stock market fluctuations, changes in the competitive environment as well as in the political, social, legal and regulatory framework conditions, which are beyond Swiss Life's scope of influence. No binding rec-ommendations or definitive conclusions may therefore be derived from any statements contained on this website. Historical performance is no guarantee of future developments.

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on its website, as well as the website's functions, are at all times correct, complete and available. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Swiss Life does not guarantee technically faultless and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to other technical problems. Moreover, Swiss Life does not guarantee that its website does not contain viruses or errors.

Accordingly, no liability shall be accepted for any use of this website and, in particular, no suitability for any particular purpose or marketability is guaranteed.

Your use of the internet or this website, respectively, as well as of any further links, hyperlinks and web addresses and their content, is entirely at your own risk. This also applies to e-mails you send to Swiss Life via non-secured channels or that you receive from third parties fraudulently on behalf of Swiss Life. Swiss Life, and the cooperation partners it engages for operating the website, accept no liability whatsoever for direct or indirect loss or damage incurred by users of the website or by third parties as a result of contacts or transactions made via the internet. In particular, they shall not be held liable for the accuracy, timeliness or completeness of the data, information and content shown or transmitted via the internet.

Swiss Life makes no assurances in connection with third-party providers' websites that can be accessed via a link on this website. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the content of such websites or approves of their content or use. These legal notices and terms of use apply only to the website operated by Swiss Life; in the case of linked websites of third-party providers, the terms and conditions of use of those websites apply.

Swiss Life is to be held entirely harmless for any damage of any kind arising from the use of its website and the contents or services accessed through it, for non-fulfilment of these legal notices / terms of use and for any allegations that the use of the website or of its content or services offered through it infringes third-party intellectual property rights.

Despite various technical security measures, the use of the internet and computer systems entails risks. Accordingly, end-users are encouraged to take appropriate precautions. Among other things, browser settings must be securely configured, virus protection systems must be installed, software must be kept up to date by installing the latest updates and patches, passwords must be kept secret and special care must be exercised when opening websites and e-mails and their attachments.

It is also recommended to regularly delete your browsing history (including cookies and cache) and not to react to possible spam messages so as not to encourage spamming.

Persons using our website do so always at their own risk.

E-mails and phishing
Normal (unencrypted) e-mails sent over the internet are not secure and may be lost or intercepted, viewed and/or changed by third parties in Switzerland or abroad.

For further information on contacting Swiss Life, please refer to our "Security information for Swiss Life customers".

Third parties may send so-called phishing e-mails for the fraudulent acquisition of data and information (possibly by means of spam e-mails), text messages or messages via social media or other communication channels, in some cases unlawfully using Swiss Life names or logos. Websites may also be recreated in order to retrieve personal data and information.

E-mails and other messages may have unsafe attachments or links containing viruses, mal-ware or other harmful content. You should refrain from opening attachments or links of unknown or suspicious origin or downloading files from e-mails. In addition, you must take care as to which websites you visit. Sensitive personal data and information as well as passwords may not be disclosed or forwarded. Passwords must also be changed regularly.

Swiss Life may process your personal data in order to provide the website, to make the services, information, tools, documentation and functionalities integrated therein accessible, to analyse user behaviour and to generate personalised advertising. Please refer to the sep-arate website privacy policy for all details regarding the processing of your personal data (including our Cookie Policy and Cloud Computing notes). This is available at: "Privacy policy".

Our website contains proprietary names as well as images and information, brands, logos and company names that are protected by copyright. All rights to these remain with Swiss Life or the relevant rights holder. The applicable laws on the protection of intellectual property prohibit any copying or use of the content mentioned, either in full or in part and including the Swiss Life logo.

No data, information, pictures or references on our website may be copied, reproduced, altered, distributed or used in any way whatsoever without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted such use for specific purposes (e.g. downloads). Use of the website is not to be construed as the granting of any licence by Swiss Life. Furthermore, the systematic and regular (technically supported) retrieval of content from our website without the written consent of Swiss Life is prohibited.

If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life. Where copying is permitted, such copies must bear the corresponding references to copyright and other proprietary rights of Swiss Life or, as the case may be, any existing references to such rights must be retained in unchanged form.

Headquartered in Zurich, Swiss Life is licensed to market its products in Switzerland and the Principality of Liechtenstein. If you would like to receive information about the conclusion of contracts by persons resident outside Switzerland or the Principality of Liechtenstein, we recommend you contact a local Swiss Life office in your vicinity or one of our branch offices or subsidiaries through this website.

Swiss Life reserves the right to amend these legal notices and terms of use at any time and without prior notice.

These legal notices and terms of use as well as all legal relationships arising from the use of this Swiss Life website are governed by substantive Swiss law. The exclusive place of jurisdiction is Zurich (Switzerland).

©Swiss Life Ltd
General-Guisan-Quai 40
CH-8002 Zurich, Switzerland

November 2021