Privacy policy

1. Introduction

Data protection is an important concern of Hypohaus AG, Oberer Graben 42, 9000 St.Gallen (“Hypohaus AG”; “we”). Hypohaus AG is expressly committed to the protection and lawful collection, processing and use of user data. In this privacy policy, we inform you about how we collect and process personal data when you visit our website at https://hypohaus.ch/ (“website”) or social media pages, contact us or use our services.

By accessing this website (Hypohaus AG website), signing a cooperation agreement between Hypohaus AG and you or in any other context in which you provide Hypohaus AG with personal data (e.g. online application, use of contact form, etc.), you declare that you have read and agree to these data protection provisions. If you do not agree with the following provisions, you must refrain from accessing other pages of the Hypohaus AG website and from transmitting personal data to Hypohaus AG.

2. Person responsible for data processing

Hypohaus AG is responsible for the data processing described in this privacy policy. If you have any questions or if you wish to exercise your data protection rights, please contact us at fabio.isler@hypohaus.ch or write to:

Hypohaus AG
Mr. Fabio Isler
Oberer Graben 42
9000 St.Gallen.

3. Personal data

Personal data is information about factual or personal circumstances of an identified or identifiable natural person. This includes, for example, name, telephone number, address, as well as all other information about a natural person (including information about a residential property and its financing), which is created on the Hypohaus AG website during registration, in the context of an evaluation request or an application process, or which is transmitted to Hypohaus AG by the respective persons by e-mail, telephone or by other means (e.g. in the context of a personal consultation or via a third-party platform used by the respective person). Any personal data collected through Hypohaus AG’s website may be merged with data about the same individual that you have provided to Hpyohaus AG by other means and vice versa or that originates from publicly available sources.

4. Provision and use of our website and online platform

Use for information
You can use the website to obtain information about Hypohaus AG and our range of services without telling us who you are. As with any connection to a web server, the server on which we have the website and online platform provided automatically logs and stores certain technical data for a short period of time. This includes the IP address and operating system of your device, the date and time of use, and the type of browser you use to access the Website or Online Platform.

Use of our Online Platform
We operate https://hypohaus.ch/ (“Online Platform”). When you register as a user on the Online Platform, we collect the information you provide to us. This includes general personal data such as name and contact details as well as personal information that you or other users enter, upload, generate, store and process when using the Online Platform.

Web analytics
We use web analytics services (currently including Google Analytics) to evaluate the use of the website and to obtain information for its optimization. The web analysis services we use collect and store usage data using cookies. Before they are transmitted to a server outside Switzerland/EU/EEA, the requesting IP addresses are shortened. We therefore do not transmit any personal data to the provider of the web analytics services abroad.

Advertising technologies
We use advertising technologies from, among others, Google Ads, Facebook Ads on the website. This allows us to target people who visit our website with advertising that is relevant to them when they visit other websites. The advertising materials are displayed on the websites you visit based on an analysis of your previous use of our website. For this purpose, the providers of the advertising technologies set cookies when you visit our website.

Social plugins
The social plugins used on the website allow you to recommend and share our content on social networks. You can recognize the social plugins on the website by the logos of the respective social network. When you interact with the social plugin, data is sent to the respective provider of the social network.

Resources from external websites
We include resources from external servers on our website. These contain visible content (including videos, music) as well as technical resources (including fonts, scripts, captchas). The technical resources are used to improve the performance or security of our website. When you access these resources, the operator of the external servers learns your IP address and/or certain peripheral data that are necessary for the use of the servers of the external operator.

Note on the use of cookies
We use cookies, tags and similar technologies on the Website to provide you with the best possible user experience and to help us improve the Website. Cookies are text files that are downloaded to your computer or mobile device when you visit a website or use an app. Some of the cookies we use are necessary to provide certain features of the Website. In addition, we use cookies to analyze the use of the website and to obtain information to optimize the website. You can learn more about our use of cookies by using the Cookie Preferences tool implemented on the Website. You can instruct your browser not to accept cookies or ask you each time before a cookie is set. You can also delete cookies on your device by using the corresponding function of your browser. In addition, you have the option to inform us of your preferences regarding the acceptance of cookies via the Cookie Preferences tool used on the Website.

5. Use of our social media pages

On our social media pages, you will find posts on current developments at Hypohaus AG as well as on our range of services. The providers of the social media collect and analyze usage data such as the number of visits and demographic information about the visitors to
our company pages. We receive evaluations from the social media providers based on this data. These contain only aggregated or otherwise sufficiently anonymized data. Only the respective provider can identify you on the basis of the usage data collected. Therefore, please observe the data protection information of the respective provider.

6. Use of the newsletter

When you register for our newsletter, we collect the information you provide to us. This includes general personal data such as first name, last name and e-mail address. You can also inform us at any time that you wish to stop receiving our newsletter in the future. To do so, please use the unsubscribe link at the end of the newsletter.

7. For which purposes we process your personal data and on what basis

Your personal data is collected, stored and processed for the provision of our services, the administration of registered users, the processing of applications and other inquiries, and for the provision of our services in accordance with the respective cooperation agreement.

In addition, we process your personal data for the following purposes:

• Answering your inquiries and communicating with you;
• Processing your registration or orders
• Responding to applications;
• Providing the website and the online platform;
• Analyzing and optimizing the use of the website and the online platform
• Developing and improving products and services;
• Marketing and advertising;
• Optimizing our posts on our social media company pages;
• Informing you about new developments at Hypohaus AG and about new services (e.g., via our newsletter; although you may notify us at any time that you wish to opt-out of receiving such information in the future);
• Compliance with legal obligations; and enforcement of legal claims.

We have a legitimate interest in processing your personal data corresponding to the above purposes. Some processing is also necessary to enable us to fulfill our contractual obligations to you or our legal obligations (e.g., retention obligations). On this basis, we process your personal data if and to the extent that applicable data protection law requires a legal basis or justification for the lawfulness of the data processing in general or for specific processing activities.

8. How we store and protect your personal data

We store your personal data only to the extent and for as long as necessary to fulfill the purposes described in this Privacy Policy or to comply with legal obligations. In the interest of the integrity and confidentiality of personal data, we take appropriate technical and organizational measures. In particular, in accordance with our risk assessment, we implement access controls, access controls, and procedures to regularly review, assess, and evaluate the effectiveness of the measures.

9. With whom we share your personal data

In order to achieve the purposes described in this Privacy Policy, it may be necessary for us to share your Personal Data with other companies. These are the following categories of recipients:

• other group companies;
• external service providers;
• suppliers and business partners;
• authorities and courts (if applicable)

10. Place of processing

We store and process your personal data primarily in Switzerland and the EU. However, we may also transfer your personal data to recipients in countries outside Switzerland or the EU (worldwide, in particular the USA). We transfer data to countries without adequate data protection on the basis of standard data protection clauses or legal exceptions (e.g. necessity for contract performance).

11. Your rights regarding personal data

You have the following rights in relation to personal data concerning you:

• the right to obtain information about what personal data we hold about you and how we process it;
• the right to receive or transfer a copy of your personal data in a commonly used format;
• the right to have your personal data corrected;
• the right to have your personal data deleted; and
• the right to object to the processing of your personal data.

Please note that legal requirements and exceptions apply to these rights. To the extent permitted by law, we may refuse your request to exercise these rights. You also have the right to lodge a complaint with the relevant data protection supervisory authority.

12. How we may change this privacy statement

We may amend this Privacy Policy at any time, in particular if we change our data processing practices or if new legislation becomes applicable. The version provided to https://hypohaus.ch/dataprivacy applies in each case.