Privacy Policy

Resolve takes the privacy of every individual’s personal data very seriously and is firmly committed to protecting your personal information. This Privacy Policy describes how Resolve, in its capacity as data controller, processes the personal information it collects through its website (https://resolve.ch). Please read this Privacy Policy carefully before using the website. In this Privacy Policy, your information is sometimes referred to as “personal data” or “personal information”. The “processing” of your personal information refers to the processing, collection, protection or storage of such personal information. “We” and “Our” both refer to Resolve in this Privacy Policy.

1. Notification to the Federal Commissioner

Resolve SA implements technical and organisational measures considered appropriate in light of industry standards to protect data. However, as absolute security cannot be guaranteed, Resolve SA cannot be held liable for data breaches resulting from external causes or third parties, notwithstanding the diligence employed.

In the event of a security incident, Resolve SA undertakes to notify the Federal Commissioner (PFPDT) as soon as possible of any breach of data security entailing a high risk to the personality or fundamental rights of the data subjects.

Resolve SA further undertakes to inform the data subjects of any data breach as soon as this is necessary for their protection or if the Federal Commissioner (PFPDT) so requests, in accordance with Article 24 nLPD.

Resolve SA documents incidents in an internal register in accordance with the law, this documentation remaining strictly confidential and intended for the exclusive use of the supervisory authorities if required, in particular being made available to the Federal Commissioner (PFPDT) in accordance with the statutory documentation obligation provided for under Article 15 OPDo (Ordinance on Data Protection).

2. Acceptance of the Privacy Policy

The user is informed that the processing of their data is based on the legal grounds of Article 31 nLPD. For sensitive data, explicit and separate consent is obtained upon the signing of a mandate, in accordance with Article 6 para. 7 let. a nLPD. When you enter into a service mandate with Resolve (in particular a financing mandate), this act constitutes explicit confirmation of your consent to the processing of the data necessary for the performance of our services.

Resolve processes your information in order to fulfil its contractual and legal obligations, or on the basis of legitimate interests (such as security or the improvement of services). You may withdraw your consent at any time with future effect, subject to the statutory retention obligations incumbent on Resolve. If you do not agree with these terms, we kindly ask you not to use our services.

3. Data Controller

Resolve SA, a company registered in Switzerland under number CHE-405.084.029, with its registered office at Route de Frontenex 41A, 1207 Geneva, Switzerland, is responsible for the processing of personal data within the meaning of the Federal Act on Data Protection (LPD) and the nLPD.

Any question relating to data protection may be addressed to Resolve SA’s data protection officer at the following address: dpo@resolve.ch.

4. Scope

This Privacy Policy describes the manner in which Resolve SA processes the personal data collected through its website as well as in the course of its activities as an intermediary in mortgage loans, in life and non-life insurance, in private loans, when analysing files, including life annuities (viagers), and in the context of communications with its clients, prospects, investors, partners and other internal and external stakeholders.

Access to the website and use of Resolve SA’s services imply acknowledgement of this Policy. Resolve SA’s services are exclusively intended for adults and are limited to Swiss territory.

5. Legal Bases for Processing

Resolve SA’s services are exclusively intended for natural or legal persons domiciled or having their registered office in Switzerland. By accessing our services, you confirm that you are established in Switzerland.

In the context of its brokerage activities, Resolve SA collaborates exclusively with institutions based in Switzerland or in Liechtenstein. These partners, as well as Resolve SA, are subject to the strict requirements of Swiss law concerning the acquisition of real estate by persons abroad, in particular the LFAIE (Lex Koller).

Consequently, the processing of your data is governed exclusively by the Federal Act on Data Protection (nLPD) and the Telecommunications Act (LTC) as well as the Federal Act against Unfair Competition (LCD). Resolve SA declines all liability in the event of use of the services from abroad in breach of this clause.

6. Data Protection by Design and by Default

In accordance with Article 7 of the Federal Act on Data Protection (nLPD), Resolve SA incorporates the protection of personality and fundamental rights from the planning stage of its services. The Company ensures that its IT infrastructure and internal processes are designed to guarantee the minimisation of the processing of personal data.

Privacy by Design: Resolve SA implements the technical and organisational measures necessary to:

Limit the collection of data to the elements strictly indispensable for the performance of the contractual services.
Ensure the security of data flows through the use of encryption protocols during any transfer of information.

The retention of data beyond the conclusion of an initial mandate is based on an overriding legitimate interest, in particular in order to ensure long-term support. Given the nature of the financial products (framework agreements), this retention is necessary to allow the monitoring of deadlines and to facilitate any future renegotiation or refinancing process. Any deletion may be the subject of a written request to dpo@resolve.ch. Within the framework of the nLPD, verification of the identity of the data holder may be requested.

Privacy by Default: Resolve SA configures its systems so that, by default, only the minimum data necessary for the purpose of the processing is used:

Access to files is restricted solely to those staff members whose intervention is required (need-to-know principle).
The transmission of information is limited to the financial partners (banks, insurers, notaries, etc.) whose intervention is indispensable for the performance of the service by Resolve.
Retention periods are set to meet refinancing cycles, subject to the statutory retention obligations (LBA, CO).

The user is informed of the processing of their data at the time of acceptance of this Privacy Policy, upon the signing of a mandate or through acceptance of the General Terms and Conditions of Sale (CGV). This acceptance constitutes consent for the purposes of introduction and long-term support described above.

The user may, at any time, request access to, the rectification or the deletion of their personal data, or object to its processing for refinancing follow-up purposes. Any request must be addressed by email or in writing to Resolve SA’s data protection officer at the following address: dpo@resolve.ch, or by post: Route de Frontenex 41A, 1207 Geneva.

Within the framework of the nLPD, verification of the identity of the data owner may be requested.

7. Collection and Categories of Personal Data

Resolve SA collects certain technical data that are not directly identifying when the website is used, such as the browser type, the operating system, language preferences, the referring site, the date and time of access as well as browsing data. This information is used in order to understand the use of the website and to improve its functioning. Analytics tools may be used for this purpose.

Resolve SA may also collect potentially identifiable data, such as the IP address. These data are not used to identify a person directly, save where technically or legally necessary.

In the context of its services, Resolve SA processes personal data concerning identified or identifiable persons. The nature and extent of the data collected depend on the relationship with the data subject and may include in particular (non-exhaustive list):

identification and contact data;
professional and administrative information;
identity documents, residence permits;
financial, asset-related, tax and banking data;
information necessary for the analysis of creditworthiness and for the assessment of files;
contractual or legal documents relating to financing or insurance transactions.

For insurance products requiring a medical risk assessment, the user is strongly encouraged to transmit their health data (questionnaires, reports, certificates) directly and exclusively to the insurer concerned. This procedure guarantees optimal confidentiality.

If the user chooses to transmit these documents to Resolve SA, they are processed solely to the extent necessary for their transmission to the partner insurer, without medical analysis. Resolve SA carries out no further processing and transmits these documents exclusively to the partners concerned in the context of the performance of the mandate.

The user assumes responsibility for the choice of the transmission channel. Resolve SA cannot be held responsible for the accuracy of the health data transmitted or for their content, not having the capacity of medical adviser or medical expert.

The user’s refusal to transmit the required medical information directly to the insurer (or via Resolve) may result in the impossibility for the insurer to issue an offer or to conclude the contract.

8. Purposes of Processing

Resolve SA processes personal data primarily in order to provide, develop, operate and improve its services. The data are used in particular to (non-exhaustive list):

provide you with Resolve’s services and customer assistance that you may request;
process transactions and send you notifications concerning your transactions;
verify your identity;
send you administrative information or information relating to your file;
better understand Resolve’s clients and end users as well as the manner in which they interact with the Website and Resolve’s services;
personalise, monitor and improve Resolve’s services and the display of the Website;
strengthen security, prevent fraud, control and verify identities as well as access to services, combat spam or other malicious software and protect Ourselves against security risks;
offer targeted marketing, notices of updates to our services, or promotional offers according to your communication preferences;
communicate with you;
prevent and investigate potentially prohibited or illegal activities, and/or breaches of Resolve’s CGV.

Occasionally, Resolve may use your personal data (including your name and contact details, information about your online behaviour and information about your account, your transactions and your finances) to send you news, offers, promotions and joint marketing offers on Resolve’s products and services, in accordance with the level of consent you expressed when you registered with Resolve.

Unless you have previously indicated that you do not wish to receive marketing content from Resolve. The use of personal data for the purposes of direct marketing by electronic means (email, SMS) is subject to prior and explicit opt-in, in accordance with Article 3 para. 1 let. o LCD, save for the exception for existing customers concerning similar services. In compliance with the laws in force in accordance with the privacy notices, agreements and/or existing CGV of Resolve, within the framework of your relationship with Resolve.

Even if you have previously given Resolve your explicit consent for the use and disclosure of your personal data for direct marketing purposes, you may withdraw it at any time and free of charge by contacting Resolve as indicated in the “rights of data subjects” section. The withdrawal of your consent will be processed and will take effect within a reasonable time.

9. Profiling and Absence of Automated Decision-Making

Certain analyses, in particular in connection with the assessment of files or creditworthiness, may constitute profiling within the meaning of the LPD. Resolve SA does not, however, take any automated individual decision producing legal effects or significant effects for the data subjects. Any final decision is taken or validated by a natural person.

10. Electronic Communications

Electronic messages sent to and from Resolve SA may be automatically stored in systems enabling their traceability and evidential value to be ensured. These messages are protected by appropriate technical and organisational measures and may only be consulted in justified cases and in accordance with applicable law, in particular in the event of a legal obligation, legal proceedings, suspicion of unlawful conduct or breach of contractual or regulatory obligations. The messages are retained for the period necessary for the performance of our contractual obligations at a minimum and for the maintenance of the business relationship, as well as to satisfy the applicable statutory retention and limitation periods. In the case of long-term relationships or obligations specific to the financial sector, this period is adapted in order to guarantee the continuity of the service and the protection of Resolve SA’s legal interests.

11. Recipients of Data and Third-Party Providers

Personal data may be communicated, to the extent necessary for the achievement of the purposes pursued, to banking institutions, insurance companies, investors in the context of private loans, investment funds, technical or IT service providers, other external and internal parties connected to the provision of the service, as well as to authorities or courts where the law so requires. In the context of private loans, the data are transmitted in anonymised form before any introduction, then in identifying form only after the agreement of the data subject.

Resolve SA may have recourse to third-party providers for IT, analytics, communication, backup, security or storage services. These providers are contractually bound to process the personal data solely in accordance with Resolve SA’s instructions and in compliance with the applicable legal requirements.

12. Transfers of Data Abroad

In addition to the foregoing concerning recipients, Resolve SA processes personal data primarily in Switzerland and in the European Union (EU).

Certain data may be communicated to recipients located in States whose legislation ensures an adequate level of protection according to the list published by the Federal Council (in particular the countries of the EU and the EEA).

However, it is guaranteed that data subject to an obligation of processing or retention on Swiss territory (in particular within the meaning of the FINMA regulatory requirements for critical data or data identifying the client) remain hosted and processed exclusively in Switzerland, without any cross-border transfer of data in clear form.

For certain technical services (hosting, analytics tools) not concerning such critical data, data may be processed in the United States. In such cases, Resolve SA ensures that these transfers are secured either:

Through the Swiss-U.S. Data Privacy Framework, subject to the recognition of adequacy by the Federal Council.
Or through the use of standard contractual clauses recognised by the Federal Commissioner (PFPDT), supplemented where necessary by additional protective measures (encryption, etc.).

13. Cookies and Similar Technologies

A cookie is a small file, generally a string of letters and numbers, downloaded onto a device when a person accesses certain websites. Cookies are then sent back to the originating website on each subsequent visit. Cookies are useful because they enable a website to recognise a person’s device.

Resolve uses cookies to help it identify and track your use of the Website and your access preferences for the Website. Anyone who does not wish cookies to be placed on their computer should configure their browser to refuse cookies before using the Website, with the drawback that certain functions of the Website may not work correctly without the help of cookies.

Types of Cookies used by Resolve

Resolve uses several types of cookies. Some are essential, while others may be disabled or blocked. Disabling or blocking certain cookies may affect the functionality of the online products and/or services and of the Website. The explanations below will help each person make informed choices about the information they provide to Resolve and to third parties when visiting the Website.

Why and how Resolve uses cookies

There are four main reasons why a cookie may be stored on your device when you visit the Website:

cookies that make the Website work correctly for you and that enable you to use the secure online products and/or services provided by Resolve;
cookies that collect data about your use of the Website, which are then rendered anonymous and used to help Resolve improve its online products and/or services;
cookies that remember your preferences and facilitate your use of the Website;
cookies that are placed by third-party services that Resolve uses to improve the information that Resolve presents online. Resolve has no control over these third-party cookies.

These cookies are placed on your device either by Resolve or by the third parties whose services we use for the proper functioning of the Website.

Some cookies are only retained in your browser for the duration of your visit to the Website, while others are retained for a longer period, whether specified or not.

How to block cookies

You can limit or block the cookies that are set during your browsing on the Website by modifying your browser settings. For further information, consult the website http://www.allaboutcookies.org/. Some pages may not work if you completely disable cookies, but many third-party cookies can be safely blocked.

Consult the information in the help section of your browser for specific instructions on how to manage cookies.

Strictly necessary cookies

Certain cookies placed by Resolve in your browser ensure that the Website, the online products and/or services, provide you with information and products and/or services in a secure and optimal manner. You must accept these cookies in order to be able to use Resolve’s online systems.

Functional cookies

Certain cookies enable the Website to remember the choices that people make, for example, the username, the language or the text size. These cookies are known as “functional cookies” and help to improve a person’s experience on a website by providing them with a more personalised service.

Performance cookies

Resolve uses a number of tools that track your behaviour on the Website to help Resolve improve and personalise the information provided and the online products and/or services.

You may choose not to provide this information to Resolve if you wish, without this affecting your experience on the Website.

Third-party cookies

The Website, certain online products and/or services use third-party services or software. Many of these services may place cookies on your device.

You can block or delete cookies yourself by modifying your browser settings. It is unlikely that blocking these cookies will have an impact on your experience of the Website.

Cookies placed on the Website

These cookies are strictly necessary.

14. Rights of Data Subjects

In accordance with the LPD, every data subject has in particular the right to access their personal data, to request its rectification where it is inaccurate, to object to the processing of their data for direct marketing purposes, to withdraw their consent at any time where the processing is based on it, as well as to request the erasure of their data in the cases provided for by law. They have the right to data portability, namely to receive their personal data in a structured, commonly used and machine-readable format, or to request its transfer to another data controller (Art. 28 nLPD).

Any request may be addressed to the following address: dpo@resolve.ch.

15. Links to Third-Party Sites

This Privacy Policy applies solely to the information collected by Resolve. This Privacy Policy does not apply to the practices of companies that Resolve does not own or control. The Website contains links to third-party websites. Any information that a person provides to, or that is collected by, third-party sites is subject to the privacy policies of those sites, as the case may be. Resolve encourages each person to read the privacy policies of the third-party sites they visit. It is the responsibility of these third parties to adhere to all applicable legal or other restrictions on the disclosure of a person’s personal data, and Resolve and its affiliated companies cannot be held responsible for the misuse or improper disclosure of a person’s personal data by a third party.

16. Minors

Resolve is aware of the importance of protecting the privacy of children, in particular in an online environment. The Website is not designed specifically for children or intended for children, and the use of Resolve’s services requires that all users be adults. Resolve never knowingly collects or retains personal information about individuals under 18 years of age.

17. Amendments

Resolve SA reserves the right to amend this Privacy Policy at any time. The applicable version is the one published on the website at the time the data are collected.

18. Applicable Law and Forum

This Privacy Policy and all matters arising out of or relating to it are governed by and construed in accordance with Swiss law, to the exclusion of its conflict-of-laws provisions.

All disputes arising out of or in connection with this Privacy Policy shall be submitted to the competent courts of the Republic and Canton of Geneva, Switzerland, recourse to the Federal Supreme Court being reserved.

In the event of a discrepancy between the language versions, the French version shall prevail for users domiciled in French-speaking Switzerland.

Last updated: 11/05/2026