Privacy policy for websites

Handling your personal data responsibly is a core concern for XpertCenter Ltd.

This privacy policy describes how and why we process personal data.

In the following, “processing personal data” is understood to mean, for example, procuring, saving, storing, using, altering, disclosing, archiving, deleting or destroying personal data.

“Personal data” (which also covers the term “person-related data”) is understood in the following to mean all information relating to an identified or identifiable person (e.g. name, date of birth, e-mail address).

If you disclose personal data of other persons (e.g. family members or employees) to XpertCenter Ltd., please inform such person(s) of our “Privacy policy for services” or provide them with a copy. Please only disclose personal data of third parties if this is permitted and the information provided is correct.

While for reasons of readability only the masculine form is used in the text, the information nevertheless refers to all genders.
 

1. Scope of this privacy policy

This privacy policy applies to all processing of personal data arising from use of the https://www.xpertcenter.ch/en/, www.xperthome.ch and https://www.xpertacademy.ch/fr/ websites, their subdomains and contents. The legal entity responsible for such data processing in accordance with data protection law is XpertCenter Ltd., Monbijoustrasse 5, 3011 Berne.

The aforementioned companies are also referred to in the following as “XpertCenter”, “we” and “us”. XpertCenter is a Mobilière Group company (all companies of the Mobilière Group can be found at https://www.mobiliar.ch/gruppe).

These websites may contain links to other websites that this privacy policy does not cover. Please consult the applicable third-party privacy policies. XpertCenter has no influence on such data processing by third parties.

Please note that specific privacy policies may take precedence. For example, this applies in the case of services.
 

2. Contact

Please contact the following address if you have any questions concerning data protection:

XpertCenter Ltd.
Re: Data Protection
Monbijoustrasse 5
3011 Berne
E-mail: info(at)xpertcenter.ch

You are also entitled to contact the data protection officer of Mobilière Group, Bundesgasse 35, 3001 Berne. However, you will help us to handle your request more efficiently if you use the aforementioned XpertCenter contact details.

The address of the XpertCenter representative in the Principality of Liechtenstein is: Kilian Pfister, La Mobilière Insurance Company Ltd., Vaduz General Agency, Zollstrasse 5, FL-9490 Vaduz.

3. Provision of data

The provision of certain personal data is essential for fulfilment of the contractual services or statutory obligations by XpertCenter Ltd. We may therefore not be able to provide our contractually agreed services if you are not prepared to provide us with personal data. Please also take note of your rights as specified in section 16.

4. Data processing during use of our websites

Whenever you access the https://www.xpertcenter.ch/en/ and www.xperthome.ch websites, XpertCenter collects so-called log files. These are log data about use of the websites. The following data may be processed, for instance:

• IP address of visitor
• date and time of access to website
• volume of data transmitted including name of file etc.
• browser type, version and language
• operating system and version
• websites retrieved
• notification of successful retrieval
• URL of previously visited site (so-called referrer URL)
• information entered in entry fields
• For use of the customer portal and app: username (user ID)
• device details
• time spent on portal and app
• click data
• scrolling data

These data are processed for statistical purposes, for operating and enhancing the websites, for marketing purposes and thus in the legitimate interest of XpertCenter.

5. Basis for the processing of personal data

Your personal data may be processed on the basis of the following:

• initiation or performance of a contract,
• an applicable statutory requirement,
• consent granted by you or a person authorised by you, or
• an overriding or legitimate interest on the part of XpertCenter in processing the data, in particular in order to pursue the purposes outlined and their associated goals and to execute corresponding measures.
   

6. Data from third parties

The personal data processed by XpertCenter primarily come from you personally (e.g. when completing the form for initiating contact or registering for courses). They also include data about the use of its websites.
 

7. Newsletter and e-mail marketing

XpertCenter uses the e-mail/newsletter communication channel to send out offers customised for you and other relevant information. We also use e-mail notifications automatically sent to the recipient to confirm orders and dispatches. For all types of newsletter/e-mail, the personal data you provide (e.g. last name, first name, e-mail address) are used to address you personally.

When using e-mail, push notifications and other electronic channels, we may also process data about your response to communications (e.g. whether a newsletter/marketing e-mail is received and opened) in order to identify communications that are of interest to you and optimise our measures for you. In addition, use of an XpertCenter website may be analysed if visited via a link in an e-mail. We use this information to gauge the success of campaigns. These evaluations are carried out on an aggregate basis without any customisation.

Newsletters may be sent with your consent and under specific conditions based on a legitimate interest. Each newsletter contains the option of unsubscribing from future newsletters. To do so, please use the link contained in the respective newsletter.

8. XpertCenter webinars

We offer so-called webinars on specific topics. If you register for a webinar, we will process the data you enter on registration (first name, last name, e-mail address, meeting metadata etc.). We may conduct an evaluation of participation. The data provided upon registration are transmitted to XpertCenter in encrypted form. The services of a third party are generally used for this. XpertCenter has no influence on the processing of your personal data by such provider. Please take note of the provider’s own privacy policy prior to participation.
 

9. Profiling and automated individual decisions

Profiling refers to the automated processing of personal data in order to analyse or predict specific personal aspects or behaviour. For example, it can enable customers to be supported and advised more individually or offers to be better tailored to individual customer needs. Profiling can be deployed for marketing purposes in order only to direct advertising to those persons potentially interested in it.

“Automated individual decisions” are decisions taken on a fully automated basis, i.e. without any relevant human influence, and that have negative legal implications or other similarly negative effects for you. We generally do not execute any automated individual decisions. We will inform you separately if we ever deploy any automated individual decisions.

You will have the option in such a case of having this decision reviewed manually by an employee of XpertCenter. Further details can be found in section 16.6.
 

10. Cookies

Cookies are small files that are stored on your device (PC, smartphone etc.) when you retrieve a website. They provide information about the use of websites or apps.

The data of website visitors collected in this way are pseudonymised and not stored together with other personal data. Assignment of the data to a person is only possible if such person has unequivocally disclosed their identity for use of the websites (e.g. via login). In this case the information can be used for more targeted advertising.

The stored cookies can also be processed by other Mobilière Group companies and cooperating and advertising partners. However, they only receive data on the basis of an identification number, the so-called cookie ID. No personal data are transmitted.

“Cookie settings” button

Mandatory cookies

These cookies are required for the website to function and cannot be deactivated in your systems. In general, these cookies are only deployed in response to actions executed by you that correspond to a service request, such as configuring your privacy settings, logging in or completing forms. You can configure your browser in such a way that these cookies are blocked or you are notified about these cookies. However, some parts of the website will then not function. These cookies do not save any personal data.

www.xpertcenter.ch

www.xperthome.ch

Performance cookies

These cookies enable us to count visits and traffic sources in order to gauge and improve the performance of our website. They support us in answering questions such as which pages are most popular, which are used least and how visitors move around the website. All information collected by these cookies is pooled and likewise anonymous. If you do not permit these cookies, we will not be able to know when you visited our website.

www.xpertcenter.ch

www.xperthome.ch

Functional cookies

These cookies enable the website to provide expanded functions and personalisation. They can be deployed by us or by third-party providers whose services we use on our websites. If you do not permit these cookies, some or all of these services may not work properly.

www.xpertcenter.ch

Cookies for marketing purposes

These cookies can be deployed by our advertising partners via our website. They can be used by these companies to compile a profile of your interests and display advertisements that are relevant to you on other websites. While they do not store personal data as such, they are based on a unique identification of your browser and online device. If you do not permit these cookies, you will receive less targeted advertising.

www.xpertcenter.ch

www.xperthome.ch

11. Electronic communication

Please note that electronic communication (e.g. via e-mail, text message, Messenger) is generally not encrypted. Data may be lost or intercepted and manipulated by third parties. XpertCenter takes appropriate technical and organisational security measures to prevent this from happening within its systems. However, your end device (computer, smartphone etc.) and the services used are beyond the scope of XpertCenter’s security system. It is the Internet user’s responsibility to obtain information on the necessary security precautions and to implement appropriate safeguards (e.g. up-to-date virus protection etc.). Insofar as you communicate with XpertCenter via unsecured means of communication, you must be aware of the associated risks incurred from this. To the extent legally permissible, XpertCenter refuses to accept any liability in this regard.
 

12. Communication via the online contact form

When you communicate via the online contact form, we process the data conveyed to us from your communication in order to respond to your request and for any further communication with you. Your IP address and time details are also processed for this purpose. The information sent via the contact form is transmitted to XpertCenter in encrypted form.

13. Service providers

Service providers (e.g. for IT solutions) may under certain circumstances process personal data on behalf of XpertCenter. Service providers are contractually obliged to observe currently valid data protection law and to maintain secrecy and confidentiality. They may process the data only for predefined purposes and not for purposes of their own.

Personal data are only forwarded to recipients abroad if these recipients are subject to adequate data protection legislation. If data are transmitted to a service provider in a country without adequate data protection legislation, adequate data protection is ensured by means of contractual guarantees or, in exceptional cases, on the basis of your personal consent. For this purpose, we generally use the standard contractual clauses issued or recognised by the European Commission and the Federal Data Protection and Information Commissioner (FDPIC) (further details and a copy of these clauses can be found at https://www.edoeb.admin.ch/en/cross-border-transfer-of-personal-data), provided the recipient is not already subject to a legally recognised body of laws and regulations to ensure data protection and there is no exemption clause we can draw on. Exceptions can apply, for example, in the case of legal proceedings abroad, cases of overriding public interest, cases in which the processing of a contract requires such disclosure, cases in which you have personally consented to such disclosure, or if you have made the data in question publicly accessible and not objected to their processing. XpertCenter may draw on the services of service providers in European and other countries. Personal data may consequently be processed worldwide. Please contact us if you would like to have a copy of the standard contractual clauses.

Personal data may be passed on to service providers on the basis of a legitimate interest, to initiate and/or perform a contract or due to a statutory requirement. Consent is obtained for this where necessary.

14. Duration of storage

XpertCenter processes your personal data for as long as this is necessary for fulfilment of the purposes specified above. Thereafter your personal data are, as a rule, deleted or anonymised. However, your personal data may continue to be processed due to legal retention obligations or for the period in which claims against XpertCenter may be filed. The duration of data storage is largely governed by statutory periods of limitation and the period in which claims against XpertCenter can be filed.
 

15. Data security

XpertCenter takes appropriate technical and organisational measures to protect your personal data against manipulation, loss, destruction or access by unauthorised persons. These measures are governed by international standards and are accordingly reviewed and if necessary adjusted on a regular basis.
 

16. Rights of the data subjects

If your personal data are processed by XpertCenter, you may, in accordance with applicable data protection law, assert the following rights at any time and fundamentally free of charge:

16.1 Right of information

You have the right to receive information about your personal data processed by XpertCenter. You can submit your request for information in writing, enclosing a copy of your ID card or passport, to the address stated under “Contact”.

16.2 Right of correction

XpertCenter endeavours to ensure that your data are kept correct and up to date. Should we nevertheless have stored incorrect personal data about you, we will be happy to correct them at your request.

16.3 Right of objection

You have the right to object to any processing of your personal data that is not essential for fulfilment of the contract, that is not required by law or that is carried out without any overriding or legitimate interest on the part of XpertCenter, with immediate effect for the future.

You also have the right under the scope of application of the GDPR to object to the processing of your personal data if your personal data is being processed on the basis of legitimate interests as per Art. 6 para. 1 let. f GDPR, and if there are reasons in support of that arising from your particular situation.

16.4 Right of deletion or limitation

You have the right of deletion of your personal data or limitation of their processing if such processing is not essential for fulfilment of the contract, not required by law (e.g. statutory retention obligations) or if the data are processed without any legitimate interest on the part of XpertCenter.

16.5 Right of data transfer

In certain cases you have the right to request your personal data in a common electronic format or to have them transmitted and/or disclosed to a different person or entity (e.g. another insurance company).

16.6 Other rights

You may contact the data protection authority responsible if you believe your data protection rights may have been violated. The data protection authority responsible in Switzerland is:

Federal Data Protection and Information Commissioner
Feldeggweg 1
3005 Berne, Switzerland

The data protection authority responsible in the Principality of Liechtenstein is:

Datenschutzstelle Fürstentum Liechtenstein
Kirchstrasse 8
P.O. Box 684
9490 Vaduz, Principality of Liechtenstein

If we inform you about an automated decision (section 9), you have the right to state your position and to request a review of the decision by a natural person.

You also have the right to revoke consent granted to the extent that our processing is based on your consent. Revocation of consent granted only applies to further processing and only as long as we are unable to draw on any other legal basis to justify further processing of the data concerned.

17. Reservation regarding changes

This privacy policy is not part of the contract and may be adjusted in line with the latest legal provisions or the specific data processing concerned. Please take note of the currently applicable privacy policies to be found at https://www.xpertcenter.ch/en/data-protection/, www.xperthome.ch/datenschutz and https://www.xpertacademy.ch/fr/protection-des-donnes.

Last updated on January, 01/2026