Client information pursuant to Art. 45 VAG

This translation is provided for guidance. The German version is authoritative.

1. Information on the provision of insurance brokerage services

VFR Versicherungs-, Finanz- und Riskmanagement GmbH is an independent insurance intermediary for all insurance lines under Art. 40 para. 2 VAG. At the start of the relationship, clients are assigned an adviser who acts as their direct contact for managing their insurance. VFR holds the registrations required to provide brokerage services under Swiss insurance supervision legislation (FINMA intermediary register no. F01490428) and is a member of the Swiss Insurance Brokers Association (SIBA).

2. Information on services

VFR is appointed to negotiate with insurers on the client’s behalf, obtain quotes, place insurance and provide ongoing support. VFR’s advisers and specialists advise and support clients in all insurance matters under the brokerage agreement. Information from VFR staff is based on many years of insurance brokerage experience and does not replace legal or tax advice.

3. Information on cooperation with insurance brokers abroad

After consulting the client, VFR is authorised to work with local insurance brokers abroad and transmit the necessary data to them if required to fulfil the tasks under the brokerage agreement.

4. Information on document retention

VFR retains all relevant documents and correspondence relating to insurance contracts for the statutory retention period. Clients are entitled to inspect their files on request.

5. Information on the complaints office

The Insurance Ombudsman’s mediation service is available for client complaints. It provides a neutral platform for resolving disputes between insurers and clients. Clients may contact the mediation service if they disagree with a decision by VFR.

6. Contact information

For questions, concerns or further information, clients may contact VFR Versicherungs-, Finanz- und Riskmanagement GmbH at: VFR Versicherungs-, Finanz- und Riskmanagement GmbH, Bollstrasse 43, 3076 Worb, email: info@vfrmanagement.ch, telephone: +41 58 200 29 29.

7. Information on remuneration

VFR is remunerated for its services through commissions from the insurers it works with. Commission amounts may vary and are transparently disclosed to clients.

8. Information on risk assessment

VFR conducts a comprehensive risk assessment to identify clients’ individual needs and risks. On this basis, it recommends the insurance solutions that best match those needs and risks.

9. Information on contract duration and cancellation

Clients are transparently informed of the term of their insurance contracts. They may cancel their insurance contracts subject to the agreed notice periods. VFR supports clients with questions about contract terms and cancellation.

10. Information on liability and insurance cover

VFR is liable under statutory provisions for damage caused by gross negligence or wilful misconduct. VFR maintains professional liability insurance covering potential liability claims.

11. Information on the privacy policy

VFR places great importance on protecting its clients’ personal data. All personal data is processed and protected in accordance with applicable data protection laws. Clients have rights of access, rectification, erasure and restriction of processing.

12. Information on complaints handling

VFR has internal processes for handling client complaints. Clients may address complaints or disagreements directly to client support or the Data Protection Officer. VFR strives to handle complaints promptly and with a client-focused approach.

13. Information on staff training and qualifications

VFR staff have a sound education and undertake regular further training in insurance, finance and risk management. This ensures competent advice and client support reflecting the latest industry developments.

14. Information on special services and additional offers

In addition to standard services, VFR offers special services and additional options, such as individual risk analyses, special insurance packages and financial advisory services.

15. Information on sustainability and corporate social responsibility (CSR)

VFR is committed to sustainability and corporate social responsibility. This is reflected in environmentally conscious practices, social engagement and ethical business conduct.

16. Information on crisis and emergency planning

VFR has a comprehensive crisis and emergency plan to ensure continuity of services and respond appropriately to disruptions or emergencies.

17. Information on transparency and disclosure of conflicts of interest

VFR places great importance on transparency and disclosure of conflicts of interest. Clients are informed of potential conflicts arising from the intermediation of insurance products.

18. Information on digital communication and data security

VFR uses secure digital communication channels and data security measures to ensure the confidentiality and integrity of transmitted data.

19. Information on quality standards and client satisfaction

VFR aims for high quality standards in client support and advice. Client satisfaction is central to all activities, and feedback is actively sought and used to continuously improve services.

20. Information on the company’s philosophy and values

VFR follows a clear business philosophy based on integrity, professionalism, client focus and sustainability. These values guide the company’s actions and decisions.