Privacy Policy

The aim of c-alm AG as operator of the Economico website is to comply with and implement the relevant principles of data protection legislation. This includes c-alm AG protecting your personal data appropriately and consistently and ensuring the confidentiality, integrity, availability, traceability, and proportionality of the processing of your data.

The purpose of this privacy policy is to inform you about how and why your personal data is processed when you access or interact with the website Economico (e.g. use our online contact form or online calculators). By using our website, you agree to this privacy policy.

1. Responsible Person / Contact Person

The following company is responsible for processing your personal data when you visit our website:

c-alm AG

Data Protection

Neumarkt 5

Vadianstrasse 25a

CH-9000 St. Gallen


2. Data Collection and Processing

We process your personal data if you provide it to us in the context of communication with us or in the context of one of our applications on the website (e.g. contact form, calculation tool, etc.) or if we also receive it from third-party sources, such as information from social media or the Internet about your person or data in connection with the use of third-party websites and online offers, provided that this use can be attributed to you.

a. Personal Data Disclosed

If you disclose personal data via an online service (e.g. contact form, calculation tools, etc.), we process the data disclosed.

b. Log Data

When you access the website, information, including the IP address of your device, is temporarily stored in log files on our server for the purposes of website operation. This is information that your device's browser automatically sends. It is stored on servers in Switzerland. The IP address is completely anonymized so that the user cannot be identified.

c. Cookies

We use cookies, tags, and similar technologies on the website to offer you 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 functions 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 find out more about the use of our cookies by using the cookie preference tool implemented on the website.

You can instruct your browser not to accept cookies or to 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. You also have the option of informing us of your preferences regarding the acceptance of cookies via the cookie preference tool used on the website.

d. Matomo

We use "Matomo" on this website for statistical analysis. This is an open-source tool for web analysis. With Matomo, no data is transmitted to servers that are outside our control.

Matomo uses cookies (see above). The usage information obtained by the cookie is transmitted to our server and stored so that usage behavior can be evaluated. Your IP address is immediately anonymized, so that you remain anonymous as a user. The information generated by the cookie about your use of the website is not passed on to third parties.

We see this analysis as part of the Internet service. We would like to use it to further improve the website and adapt it even more to the needs of users.

e. Vimeo

Our website uses plugins from the video portal Vimeo. The provider is Vimeo Inc, 555 West 18th Street, New York, New York 10011, USA. When you visit one of our pages equipped with a Vimeo plugin, a connection to the Vimeo servers is established. This tells the Vimeo server which of our pages you have visited. Vimeo also obtains your IP address. This also applies if you are not logged in to Vimeo or do not have a Vimeo account. The information collected by Vimeo is transmitted to the Vimeo server in the USA. If you are logged into your Vimeo account, you enable Vimeo to assign your surfing behavior directly to your personal profile. You can prevent this by logging out of your Vimeo account.

3. Processing Purposes

a. Communication/Establishing Contact

b. Statistical Survey and Optimization of the User Experience

c. Ensuring the Functionality and Security of the Website

d. Compliance with Statutory and Other Legal Requirements

e. Market Research, Product Development and to Improve Our Services

f. Marketing Purposes

g. Other Administrative Purposes

Processing means any handling of personal data, obtaining, storing, using, disclosing and deleting.

4. Data Transfer / Data Transmission

Your personal data will not be passed on, sold or otherwise transferred to third parties unless this is necessary for the purpose of contract processing or to fulfill our legal obligations or you have expressly consented to this.

In order to provide certain services, such as newsletters (see below), we may need to pass on personal data internally and externally. These recipients may be located abroad (e.g. for the transfer of personal data when using IT services, etc.).

5. Information Services, Contact Forms and Calculators

Newsletter: we send out a newsletter and process your name and e-mail address as well as online data and other information about you in this context. You can unsubscribe from the newsletter at any time.

Contact forms: If you fill out a contact form on one of our websites or send us an e-mail or other electronic message, your details will be stored for processing the inquiry and any further questions and used in the context of the inquiry.

Online calculator: You can use our "Lump sum vs. pension" online calculator to analyze the impact of a lump sum withdrawal on your pension. The evaluation of the use of this calculator is based exclusively on behavioral data, which is voluntarily entered in the calculator by the user. If you complete and send the form associated with the calculator, your details will be stored for the purpose of processing the inquiry and any other related questions and will be used in the context of the inquiry.

Detailed analysis: You can use our detailed analysis to identify possible implementation and investment strategies. The analysis is based on data voluntarily entered by the user. If you fill in and send data, your details will be stored for the purpose of processing the inquiry and any other related questions and will be used within the scope of the inquiry.

6. Evaluations and Statistics in Connection with the Use of Our Web Pages

We do not use service providers to analyze the behavior of visitors to our online offering, but use our own programs or the Matomo program (see above). These programs receive log data and other online data from our websites and use cookies and similar technologies to collect online data about our online offering.

7. Data Security / Encryption

We take appropriate technical and organizational security precautions to protect your personal data from unauthorized access and misuse. To ensure the security of your data during transmission, we protect our website with state-of-the-art encryption methods. As complete data security cannot be guaranteed for communication by e-mail, we recommend that you choose a secure form of transmission for confidential information.

8. Duration of Storage

Your data will only be stored for as long as is necessary for the fulfillment of our contractual and legal obligations or for the purposes pursued with the processing, as well as beyond that in accordance with the legal storage and documentation obligations.

9. Rights

You have the right to information about your stored personal data, its origin and recipients and the purpose of the data processing and, if applicable, a right to rectification, blocking or erasure of this data at any time within the framework of the applicable statutory provisions.

Zurich, June 21, 2024