Privacy policy

The controller responsible for processing personal data on this website is Vorsorge Coach. For questions about data protection and to exercise your rights: info@finanz-analyse.org.

This platform is a free information service. The calculators do not provide tax, investment or pension advice, and the results are non-binding estimates. If you’d like to discuss your results with a pension expert, you can send a contact request voluntarily (section 6).

All calculators on this platform (Pillar 3a tax calculator, pension fund analysis, budget planner) run entirely in your browser. The figures you enter, such as salary, age, savings and pensions, are not transmitted to a server and are not stored anywhere. They exist only while the browser tab is open and are irretrievably gone once you close or reload the page.

The only exceptions are the optional upload of a pension fund certificate (section 4), the optional sending of the analysis by email (section 5) and a voluntary contact request (section 6). In these cases, the document, the analysis or your contact details leave your device.

The website is hosted by Vercel Inc. When you visit it, connection data is generated for technical reasons, in particular your IP address, the time, the page visited, and browser and operating system details. This data is required to operate and secure the website. Vercel processes it as a processor, and the servers may be located outside Switzerland (see section 8).

In the pension fund analysis, you can voluntarily upload a pension fund certificate so that the figures are read automatically. If you use this feature, the following happens:

• The document is sent to a separate backend of this platform and held there only in working memory. It is not written to a storage medium or saved in a database, and its content is not logged.
• To read it, the document is sent to Anthropic PBC (USA) and processed there by an AI language model (Claude). Anthropic acts as a processor.
• According to Anthropic, API inputs and outputs are deleted within 30 days and are not used to train models.
• The figures read are shown to you for checking and are then only used in your browser (section 2).

The upload is voluntary. You can enter all figures by hand instead, and no document will then leave your device.

At the end of the pension fund analysis, you can choose to have the results sent to you by email as a PDF. If you use this feature, the following happens:

• The PDF with your figures (pensions, savings, gaps) is created in your browser and sent with your email address to the separate backend of this platform. It is held there only in working memory and discarded after sending. It is not stored, and its content is not logged.
• For delivery, the PDF is passed to the email service Resend, Inc. (USA), which acts as a processor.
• The operator receives a notification containing only your email address and the time, with no financial data. This address is used only to contact you if you wish, and is not passed on to third parties.
• Only if you explicitly tick the relevant box when sending does the operator also receive a copy of the PDF and may contact you to discuss the results. The box is not ticked by default.

Sending is voluntary. Without it, the analysis stays entirely in your browser.

If your analysis shows a pension gap, you can voluntarily send a contact request via “Talk to an expert”. The following then happens:

• The details from the form (name, email address, optionally phone number and message) are transmitted, along with the scenario and the size of the gap you’re asking about.
• Your analysis is only sent as a PDF as well if you tick the relevant box. The box is not ticked by default.
• The request is delivered to the operator by email via the separate backend and the email service Resend, Inc. (USA). The backend stores nothing. You’ll receive a short confirmation.
• The operator uses your details only to contact you about your request and does not pass them on to third parties. If no further contact takes place, the details are deleted after 12 months at the latest. You can request deletion at any time before that (info@finanz-analyse.org).

This website uses Google Analytics, a service of Google Ireland Limited and Google LLC (USA), to analyse usage statistically. Data is stored on your device (cookies), and usage data such as pages visited, approximate location, device and browser is collected.

You can refuse this processing through your browser’s cookie settings, its “Do Not Track” function or the browser add-on to deactivate Google Analytics. This notice and the option to object are provided on the basis of Art. 45c(b) of the Swiss Telecommunications Act.

The service providers named in sections 3 to 7 may process personal data in the United States. The USA does not have a level of data protection that is generally equivalent to that of Switzerland.

The disclosure is therefore based on standard data protection clauses under Art. 16(2)(d) FADP, specifically the clauses issued by the European Commission (Implementing Decision (EU) 2021/914), which the Federal Data Protection and Information Commissioner (FDPIC) recognised on 27 August 2021 for disclosures from Switzerland, together with the relevant Swiss addendum.

Despite these safeguards, authorities in the recipient country may access the data under local law. If you’d like to avoid this, enter the figures manually instead of uploading.

Under the FADP, you have the right to information about the data processed about you (Art. 25 FADP), to correction of inaccurate data (Art. 32 FADP), to deletion, and to object to processing. To do so, contact info@finanz-analyse.org.

As the calculators do not store any data (section 2), there is normally no data about your calculations to provide information on, unless you’ve sent us a contact request or a copy of your analysis (sections 5 and 6). You can also take legal action or contact the FDPIC.

This policy may be updated if the platform or the services used change. The version published here applies.