Privacy Policy — RenteMaxRat

Definitions

The following definitions are used to explain processing activities and the terminology in this privacy policy. They align with standard data protection terminology and are provided to aid clarity for clients and site visitors.

Personal data means any information relating to an identified or identifiable natural person, including name, contact details, date of birth, identification numbers, case-related information and other data necessary for the provision of legal services.
Processing refers to any operation performed on personal data, such as collection, recording, organisation, structuring, storage, adaptation, retrieval, consultation, use, disclosure, erasure or destruction.
User denotes any individual who interacts with RenteMaxRat, whether as a prospective or retained client, a beneficiary, an opposing party, a website visitor or a third party referenced in a matter.
Service means legal advisory and representation services provided by RenteMaxRat to retired clients, including pension advice, estate planning, powers of attorney and procedural representation.
Cookies are small text files placed on your device to store information about your visit. They help the website function, remember preferences and provide anonymised analytics.

What data we collect

We collect personal data in several ways: data you provide directly when engaging our services, data collected automatically when you use the website and data received from third parties when relevant to a matter or required by law.

Data you provide directly

When you contact us, instruct us or register for services, we may collect the following categories of information necessary to assess and manage your matter:

Identity and contact details (name, address, telephone number, email).
Identification numbers and documentation required for anti-funds laundering checks and to establish pension rights (e.g. AHV number, copies of ID).
Case-specific information such as pension records, contracts, testamentary documents, medical reports and business statements provided to us for legal assessment.
Communications with RenteMaxRat, including instructions, signed mandates and consent preferences.
Payment and billing information necessary to process invoices and manage client accounts.
Optional feedback or survey responses that you choose to provide about our services.

Data collected automatically

When you visit RenteMaxRat.pro we collect limited technical information to operate and improve the website and to protect security:

Connection information such as IP address, browser type and language, device type and operating system.
Usage data including pages visited, time spent on pages and click paths for site performance analysis.
Analytics data collected in anonymised or pseudonymised form to understand site performance and user experience.
Security and access logs used to detect and prevent abuse and to maintain service availability.
Cookies and similar identifiers as described in the cookies section.
Geolocation data only to the extent necessary for fraud prevention or to provide a location-specific service, and only with appropriate safeguards.

Data obtained from third parties

We may receive personal data about you from third parties when it is relevant to the provision of legal services:

Pension funds, social insurance institutions or authorities when requesting entitlements or clarification on contributions.
Medical providers or care institutions where medical records are necessary to assess incapacity-related matters, with explicit consent where required.
Other professionals or legal representatives involved in a matter, and from referral partners when you consent to a referral.

Purposes of processing

We process personal data for lawful, specific purposes that are necessary for delivering legal services and meeting regulatory obligations.

To provide legal advice and representation in matters related to retirement, pensions, inheritance and elder law.
To perform identity verification and anti-funds laundering checks as required by Swiss law.
To communicate with clients, prospective clients and third parties involved in a case.
To process payments, issue invoices and manage client accounts and records.
To respond to legal requests from courts or public authorities and comply with legal obligations.
To maintain and secure the website, prevent abuse and manage IT and administrative operations.
To perform analytics and service improvement activities on an aggregated or pseudonymised basis.
To handle complaints, feedback and quality assurance in the delivery of our professional services.

Legal bases for processing

We rely on appropriate legal grounds for each processing activity under applicable data protection frameworks, including Swiss law and, where relevant, EU law.

Performance of a contract: processing necessary to provide the legal services you have requested and to manage the client relationship.
Legal obligation: processing required to comply with statutory obligations, such as anti-funds laundering, tax reporting and court orders.
Legitimate interests: processing necessary for the legitimate business interests of RenteMaxRat, such as fraud prevention, security and dispute resolution, provided such interests are balanced with your rights.
Consent: where we collect explicit consent for specific purposes (for example, certain marketing communications or third-party data access), processing is based on that consent.

Your rights under applicable data protection laws

Where EU data protection law applies, data subjects have specific rights which we respect and facilitate. Even outside the EU, we aim to provide comparable rights where appropriate.

Right of access: you may request confirmation whether we process your personal data and request a copy of the data we hold.
Right to rectification: you may ask us to correct inaccurate or incomplete personal data.
Right to erasure: in certain circumstances you may request the deletion of your personal data subject to legal and professional retention obligations.
Right to restriction of processing: you may ask that processing be limited where accuracy or lawfulness is in dispute.
Right to data portability: where processing is based on consent or contract and carried out by automated means, you may request a machine-readable copy of your data.
Right to object: you may object to processing based on legitimate interests or for direct marketing; we will assess such requests in line with applicable law.

Cookies and similar technologies

Cookies and related technologies are used on RenteMaxRat.pro to enable core functionality, remember preferences and support anonymised analytics. You can manage cookie preferences via your browser and the site controls.

We use session cookies for site functionality, persistent cookies to remember preferences and performance cookies for aggregated analytics. No profiling cookies are used to make automated decisions about clients.

Categories include strictly necessary cookies, performance/analytics cookies and functional cookies. Each cookie has a specific purpose, lifespan and vendor where applicable.

You can configure your browser to block or delete cookies. Blocking necessary cookies may affect site functionality. For detailed cookie settings consult your browser documentation or the cookie preference tool on the site.

Detailed cookie information and consent settings

Sharing personal data

We disclose personal data only where necessary for the purposes set out above, to trusted recipients and under appropriate safeguards.

External legal or tax advisors who assist with a matter, under confidentiality obligations.
Pension funds, social insurance authorities and medical experts when required to establish claims or comply with legal procedures.
IT, hosting and software providers that support our services; such providers process data only on our instructions under data processing agreements.
Courts, regulators or law enforcement when disclosure is required by statute, court order or binding official request.
Professional buyers or partners in the unlikely event of a business transfer, subject to confidentiality commitments and buyer obligations to respect existing privacy terms.
Service providers engaged for client communications, billing and secure document storage, always bound by confidentiality and data protection requirements.

International transfers

Where we transfer personal data outside Switzerland or the EEA, we ensure adequate protections are in place. Transfers are conducted only when necessary for the service or legal compliance.

Safeguards include standard contractual clauses, data processing agreements and, where available, transfers to countries with an adequate level of data protection. We assess risks and apply technical and contractual protections accordingly.

Data retention

We retain personal data only for as long as required for the purposes set out in this policy and to meet legal and professional retention obligations applicable in Switzerland.

Client account and matter records are retained in accordance with legal and professional retention periods; where no legal retention applies, records are retained for a period proportionate to the business need and to address potential disputes.

Communications and emails relevant to a matter are stored within the client record for the duration of the matter and thereafter in accordance with retention rules applicable to legal professionals in Switzerland.

Security and access logs are retained for a limited period to support incident response and fraud prevention, typically no longer than required to contribute and resolve security events.

When retention periods expire and no legal or regulatory reason to retain data remains, personal data will be securely deleted or anonymised. Deletion is subject to any overriding legal obligations to preserve specific records.

Security of personal data

RenteMaxRat implements appropriate technical and organisational measures to protect personal data against unauthorised access, disclosure, alteration or destruction. Measures include access controls, encryption for sensitive data, secure backups, staff training on confidentiality and regular review of security practices. While we use industry-standard safeguards, no system can be absolutely impervious; we assess risks and apply proportionate protections tailored to the sensitivity of the data and the context of processing.

Data encryption in transit and at rest using industry-standard protocols to protect client communications and documents related to pension advice and legal representation.
Access controls and role-based permissions for staff to ensure only authorized personnel can view sensitive client files; regular audits of access logs.
Secure document storage with routine backups, vulnerability scanning, and incident response procedures tailored to protect personal data of retired clients.

How to exercise your rights

As a client or visitor, you retain a set of rights regarding your personal data. RenteMaxRat respects these rights and provides clear channels to exercise them under applicable Swiss data protection rules.

Right to access: request a copy of personal data we hold about you and an explanation of how it is processed.
Right to rectification: request corrections to inaccurate or incomplete personal information.
Right to erasure: request deletion of personal data where retention is no longer necessary or lawful.
Right to restriction: request suspension of processing where disputes about accuracy or lawfulness exist.
Right to data portability: request export of the personal data you provided in a structured, commonly used format where applicable.
Right to object: object to processing for direct marketing or other legitimate interest-based processing, subject to legal limitations.
Right to withdraw consent: where processing is based on consent, you may withdraw it at any time without affecting processing before withdrawal.
Right to lodge a complaint: you may submit a complaint to the competent Swiss data protection authority if you believe your rights were infringed.

How to submit a privacy rights request

To exercise any of your data protection rights, contact RenteMaxRat in writing with a clear description of the request and proof of identity. Requests can be sent to our postal address or email. Provide sufficient detail to allow us to locate the information sought; we will acknowledge receipt and advise on next steps.

[email protected]

We aim to respond to verified requests without undue delay and in any case within one month of receipt. Complex requests may require an extension, in which case we will inform you and explain the reason for the delay.

Marketing communications

RenteMaxRat may send occasional informational communications about retirement-related legal updates, seminars, or services relevant to retired clients only with your consent or where permitted by law. Communications are tailored to be relevant, factual, and professional.

You can opt out of marketing communications at any time by using the unsubscribe link in emails, contacting us by phone, or sending a request to the postal address. Opting out will not affect essential service-related messages.

Children and vulnerable persons

Our services are aimed at retired adults. We do not knowingly collect personal data from minors. If we become aware that we have inadvertently processed data of a minor, we will take steps to delete it unless retention is required by law.

Links to third-party sites

This website may contain links to external sites operated by third parties. RenteMaxRat is not responsible for the privacy practices or content of those sites. Review third-party privacy notices before providing personal information.

Changes to this privacy policy

We periodically review and may update our privacy practices to reflect legal, technical, or operational changes. Material changes will be communicated through our website and, where appropriate, by direct notification to affected clients.

Privacy Policy for RenteMaxRat