Data privacy

Incore Bank AG | Legal Disclaimer

The following legal information and privacy policy address business partners of Incore Bank as well as visitors to the website www.incorebank.ch.

General

Incore Bank AG (hereinafter referred to as the “Incore,” “we,” or ‘us’) process personal data relating to you or other persons (known as “third parties”). We use the term “data” here as synonymous with “personal data” or “personal information.” This privacy policy is based on the Swiss Federal Act on Data Protection (FADP), the Ordinance on Data Protection (DPO), and the EU General Data Protection Regulation (GDPR).

Incore does not actively solicit customers from countries other than Switzerland. However, customers from abroad may use the website. In such cases, the GDPR may apply in certain instances. Whether and to what extent the GDPR applies depends on the circumstances. For persons in Switzerland, on the other hand, the Swiss Federal Act on Data Protection (FADP) applies.

This data protection policy explains how your data is processed when you visit our websites. Further data processing may be regulated in other privacy policies, terms and conditions, or similar documents, e.g., when using our services, in contractual relationships, or in other communications with us.

Responsibilities

Incore Bank AG, Wiesenstrasse 17, 8952 Schlieren, is responsible for data processing on the website, unless otherwise specified or communicated in individual cases. If something else is stated or communicated, the respective group company specified is the responsible body, and only if it shares your data with other group companies for their own purposes will these other group companies also become responsible bodies.

The contact addresses are as follows:

For matters in Switzerland
Incore Bank AG
Legal
Wiesenstrasse 17
CH-8952 Schlieren/Zurich
legal@incorebank.ch

For matters in the EU
Cortina Consult GmbH
Hafenweg 24
DE-48155 Münster
euv.incorebank@cortina-consult.de

Collection and processing of personal data

We primarily process the personal data that we receive from you via the website, e.g. when you fill out forms.

Depending on how you use the website, we process the following categories of personal data:

Contact, communication, and identification data such as last name, first name, address, email address, telephone number, customer number
Personal details such as age, gender, nationality, place of birth, residence status, marital status, language, family member data
Telecommunications data such as telephone number, date, time and duration of connection, type of connection, location data, IP address, device identification numbers
Interaction and usage data such as correspondence, preferences and target group information, end device type, device settings, operating system, software, information from the assertion of rights
Website information such as IP address, cookie information, browser settings, frequency of visits to the website, duration of visits to the website, search terms, clicks on content, originating website

Purposes of data processing

We use the personal data collected via our website for the following purposes in particular:

Communication and processing of inquiries (e.g., via contact forms, email, online job applications, media inquiries)
Advertising and marketing, in particular retargeting and personalized advertising, provided you have consented to the use of your data (if we send you advertising as an existing customer, you can object to this at any time free of charge, and we will then place you on a block list to prevent further advertising mailings)
Ensuring the functioning of our business, our websites, and other platforms, as well as tracking the use of our website.

If you give us your consent to process your data for specific purposes, we will process it within the scope of this consent, unless there is another legal basis. Consent can be revoked at any time; data processing that has already taken place remains unaffected. In addition, processing may also take place for the fulfillment of contracts, for the processing of inquiries, based on legitimate interests, or for the fulfillment of legal obligations.

Contacting us

When you contact us (e.g., via contact form, email, or telephone), we process the personal data you provide in order to respond to your inquiry and get in touch with you. The data collected in the case of a contact form can be seen on the respective form. Mandatory information required to process the inquiry is marked separately; further information is voluntary. You can object to this data processing at any time by sending your objection to legal@incorebank.ch.

Newsletters and marketing emails

We only send newsletters and emails for marketing purposes if you have subscribed to one of our newsletters or if the legal requirements for sending marketing emails are met. You can unsubscribe from newsletters and marketing emails at any time by clicking on the link provided in the newsletter or by sending an email to marketing@incorebank.ch.

Portale

After registering with your login details, you can access platforms such as the Incore e-banking platform or MyWebDepot, as well as other services, on our website. We collect and use your data only to the extent necessary to enable the use of our platform and for the analysis, optimization, and economic operation of our platform. We process your data solely for the purpose of providing the respective platform. It is not combined with other data. For details on data processing, please refer to the separate privacy policies available on the website.

Log data

When you visit our websites, our servers temporarily store each access in a log file, known as a server log file. This includes, for example, your IP address, the date and time of your visit, the name of the file accessed, the access status (successful, partially successful, unsuccessful, etc.), the web browser and operating system used, and other similar information that serves to avert danger in the event of attacks on our information technology systems.

The purpose of processing this information is to display our websites and their content and offers correctly, to ensure data traffic, to optimize our websites, content, and offers, to permanently guarantee the stability and security of our websites and systems, and to enable the investigation, defense, and prosecution of cyberattacks, spam, and other illegal activities in relation to our websites and systems, and to enforce related claims.

Cookies / Tracking and other technologies related to the use of our websites

In certain cases, we use cookies and similar technologies that enable us and third parties we engage to recognize you when you use our websites and, in some circumstances, to track you across multiple visits. A cookie is a small file that is sent to your computer or automatically stored on your computer or mobile device by the web browser you use when you visit our websites. When you visit these websites again, we can recognize you, even if we do not know who you are. In addition to cookies that are only used during a session and deleted after your visit to the website (“session cookies”), cookies can also be used to store user settings and other information for a certain period of time (“permanent cookies”). However, you can set your browser to reject cookies, store them for one session only, or delete them prematurely.

When you visit our website, you will see a banner informing you about our use of cookies and your options. This banner is provided by the Cookiebot service (Cybot A/S, Havnegade 39, 1058 Copenhagen, Denmark). Cookiebot is used to manage and document your consent to the use of cookies and similar technologies. When you make your selection in the cookie banner, Cookiebot stores a corresponding consent cookie on your device to log your consent or refusal.

If you wish to disable cookies completely, you can adjust your general browser settings accordingly and also delete cookies that you have already stored. Further information on the individual types of cookies can be found under Cookie Settings. There you will find a list of the individual cookies under Cookie Details. You can also manage your consent settings here. We sometimes use Google services or similar services on our websites. These services enable us to measure and evaluate the use of the websites and the effectiveness of online campaigns. Permanent cookies set by the service provider are also used for this purpose. The service provider does not receive any personal data from us (and does not store any IP addresses), but can track your use of the websites, combine this information with data from other websites you have visited and which are also tracked by the service provider, and use these findings for its own purposes (e.g. advertising control). If you have registered with the service provider yourself, the service provider also knows who you are. The processing of your personal data by the service provider is then carried out under the responsibility of the service provider in accordance with its data protection regulations. The service provider only informs us about how our respective website is used (no information about you personally).

We currently use the services of the following providers, among others:

Microsoft services: Operator of the IT operating infrastructure; service provider: Microsoft Corporation (USA) or Microsoft Ireland Operations Limited (Ireland); more information on Microsoft's data protection can be found here: https://privacy.microsoft.com/de-de/privacystatement.
Google services: web analysis and reach measurement, Google Ads, and Google Remarketing; service provider: Google LLC (USA) or Google Ireland Limited (Ireland) for users in the European Economic Area (EEA) and Switzerland. For more information on Google's data protection, please visit: https://policies.google.com/privacy?hl=de.

We also use:

Service / Tool	Purpose	Data / Cookies	Data transmission	Further information
Google Ads & Remarketing	Targeted advertising, retargeting	Cookies for analyzing user behaviour	including the US, among others	https://adssettings.google.com.
Google Analytics	Website analysis, reports	Cookies for usage analysis, IP anonymization	mostly USA, IP within EU/EEA shortened	https://www.google.com/intl/de_de/analytics/
Google Tag Manager (GTM)	Management of tracking tags	No cookies of our own, but integrated services may use them	mostly USA, IP within EU/EEA shortened	https://support.google.com/tagmanager/answer/9323295?hl=en#
LinkedIn Insight Tag	Analysis & optimization of campaigns	Cookies for user recognition	including the US, among others	https://de.linkedin.com/legal/privacy-policy
YouTube	Embed & play videos	Cookies store preferences	USA	www.google.de/intl/de/policies/privacy/
Vimeo	Embed & play videos	Cookies store preferences	USA	https://vimeo.com/privacy

Social media presence

We are present on social media platforms (e.g. LinkedIn, YouTube) in order to communicate with interested parties and provide information about our activities and operations. If you visit such online platforms, personal data may be transmitted to the social network provider. Please note that user data may also be transferred to a server in a third country and may therefore also be processed outside Switzerland.

Furthermore, user data within social media platforms is generally processed for market research and advertising purposes. For these purposes, cookies are usually stored on users' computers, in which the usage behaviour and interests of users are stored. Furthermore, data may also be stored in the usage profiles independently of the devices used by the users (in particular if the users are members of the respective platforms and are logged in to them).

For a detailed description of the respective forms of processing and the options for objection (opt-out), please refer to the data protection provisions and information provided by the operators of the respective platforms. There you will also find out in which countries they process your data, what rights you have to information, deletion and other rights of data subjects, and how you can exercise these rights or obtain further information.

Social media plug-ins

Our website is linked to plug-ins and content from social media platforms (e.g. LinkedIn, YouTube). These plug-ins make it easier to share content on these platforms.

When you visit our website and click on the respective plug-in or content, a connection to the server of the respective provider may be established automatically. Certain data (such as the time of your visit to the respective service, browser type, IP address) is collected and stored by the provider. If you have a user account with one of these providers, they may assign this information to your profile. If you also interact with these plug-ins (e.g. by clicking the ‘Like’ button or posting a comment), this information is also transmitted to this provider and stored there.

In all these cases, additional terms of use and data protection provisions of these providers apply, which must be accepted separately by the user. We have no control over the use of such data collected by providers and accept no responsibility or liability.

Data transfer and transmission abroad

Within the scope of our business activities and purposes, we also disclose data to third parties, insofar as this is permitted and appears appropriate to us, either because they process it for us (contract data processing) or because they wish to use it for their own purposes. This applies in particular to the following entities:

Our service providers (within Incore and external, such as banks and asset managers), including order processors (such as IT providers)
Contractual partners, including customers
Authorities, government agencies, courts, supervisory authorities or auditing companies
Media, press offices
Other companies within Incore

These recipients are predominantly located in the United Kingdom, but may also be based outside the United Kingdom. In particular, you must expect your data to be transferred to all countries in which Incore is represented by group companies, branches or other offices, as well as to other countries in Europe and the United States where the service providers we use are located (e.g. Microsoft, Google). If we transfer personal data to a country without adequate legal data protection, we take appropriate precautions to continue to protect your personal data adequately (e.g. by agreeing on so-called EU standard clauses), by verifying that the respective companies are certified in accordance with the Data Privacy Framework (if the data recipient is based in the USA or stores the data there) or by relying on legal exceptions such as consent, contract processing or the establishment, exercise or enforcement of legal claims.

Duration of storage of personal data

We only process and store your data for as long as is legally necessary or required to provide the service you have requested or for other purposes related to the processing. If there are no legal or contractual obligations to the contrary, we will delete or anonymize your data after the storage or processing period has expired as part of our normal procedures.

Data security

We take appropriate technical and organizational measures to protect your data from unauthorized access and misuse, such as IT and network security solutions, encryption, access restrictions, instructions and employee training. Our security measures are regularly reviewed and adapted to the state of the art. Our order processors are also obliged to implement appropriate security measures. However, it is not possible to completely rule out security risks.

Profiling and automated individual decision-making

We reserve the right to process personal data automatically in future, in particular to identify key personal characteristics of the customer, predict developments and create customer profiles. This serves in particular to review and further develop offers and optimize the provision of services. In future, customer profiles may also lead to automated individual decisions (e.g. automated acceptance and execution of customer orders in eBanking). Should we use such procedures in individual cases, we will inform you separately if this is required by law and explain your associated rights to you.

Your rights

You have the following rights under the data protection law applicable to you and to the extent provided for therein:

The right to request information from us about whether and which data we process about you;
The right to have us correct data if it is incorrect;
The right to request the deletion of data;
The right to request that we disclose certain personal data in a common electronic format or transfer it to another controller;
The right to withdraw consent, insofar as our processing is based on your consent;
The right to object to the processing of your data, in particular for the purposes of direct marketing, profiling for direct advertising and other legitimate interests in processing;
The right to obtain further information necessary for the exercise of these rights upon request;
The right to express your point of view in the case of automated individual decisions and to request that the decision be reviewed by a natural person

You also have the right to enforce your claims in court or to lodge a complaint with the competent data protection authority.

To exercise these rights, please send us an email to the following address: legal@incorebank.ch

Please note that certain conditions, exceptions or restrictions may apply to these rights, for example if we need to store or process data, have a legitimate interest in doing so, or need it to enforce claims. We will inform you of this if necessary.

Right of withdrawal

You may revoke your consent to the processing of your personal data at any time. This revocation must be made in writing to the following address:

Incore Bank AG
Legal
Wiesenstrasse 17
CH-8952 Schlieren/Zurich
legal@incorebank.ch

Amendments to this policy

We expressly reserve the right to supplement or amend this privacy policy at any time. The version published on our website shall apply.

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Incore Technology | Legal Disclaimer

The following legal information and privacy policy address business partners of Incore Technology AG as well as visitors to the website www.incoretechnology.ch.

Important Legal Information on the Website

Use of the website
The entire content of the website of s protected by copyright (all rights reserved). Individual pages and/or parts of the Incore Technology AG website may only be downloaded and/or printed out if the copyright marks and other designations protected by law are retained. Whenever you download, print or reproduce any data from the website, all rights of ownership are retained by Incore Technology AG and the relevant third-part owners. Reproduction, transmission (by electronic or other means), modification, linking or use of any or all of the Incore Technology AG website for public or commercial purposes is prohibited.

Not an offer
The information published on the Incore Technology AG website does not constitute a call or offer or recommendation to buy or sell investment instruments or to undertake any transactions or conclude any legal transaction.

No guarantees, no liability
Incore Technology AG has taken every effort to obtain the information on this website from known reliable sources. Information sourced from third parties is checked by Incore Technology AG, however Incore Technology AG and third parties provide no statement as to the accuracy, reliability and completeness of the information and views provided on the website. The information and views distributed on the Incore Technology AG website are provided by Incore Technology AG and third parties purely for private use and information purposes and are subject to modification at any time without prior notice. The data on the Incore Technology AG website does not constitute formal decision-making information for any legal, tax or other queries not should any such investment or other decisions be made on this basis. No guarantee whether express or implied is given for the accuracy, currency and completeness of the information and data made available on the Incore Technology AG website. Incore Technology AG and third parties shall bear no liability for any losses or damages of any type, whether direct, indirect or consequential, suffered as a result of or in connection with the access to the use, performance or queries of the Incore Technology AG website or its links to other websites, even if Incore Technology AG or third parties have been informed of the possibility of such damages.

Local statutory restrictions
The Incore Technology AG website is not intended for use by persons who are subject to laws that forbid the publication or access of the Incore Technology AG website (on the basis of the nationality of the affected person, their place of residence or other reasons). Persons who are subject to such restrictions are not permitted to use the Incore Technology AG website. In particular this relates to persons in the United Kingdom, Japan, the USA and other countries in which the offer of such products and services is subject to limits.

Privacy Policy of Incore Technology AG

General
In the scope of its operational activities, Incore Technology AG complies with the legal requirements of the Swiss Data Protection Act (DPA) and the European General Data Protection Regulation (GDPR).

This privacy policy explains how Incore Technology AG processes personal information about business partners and visitors to this website. The term «process» covers all handling of personal data, irrespective of the tools and procedures used, in particular the storage, disclosure, procurement, deletion, saving, modification, destruction and use of personal data. «Personal data» refers to all information relating to an identified or identifiable person. In addition, the privacy policy describes how Incore Technology AG guarantees the security of the personal data it processes.

The visitor agrees that Incore Technology AG processes personal data in accordance with the policy. Statutory or contractual confidentiality obligations imposed on Incore Technology AG with regard to the visitor’s personal data are not affected by this policy.

Processing and protection of personal data
Personal data is processed in particular for the following purposes:

to agree contracts with business partners;
for technical administration and research;
for further development of the websites;
for user administration and marketing;
to provide information to users about Incore Technology AG’s services and products, insofar as the user has given consent for this purpose.

The visitor authorizes Incore Technology AG to pass on personal data to employees, subcontractors or third parties within or outside the visitor’s country of residence in order to provide services and for the aforementioned purposes. Employees, subcontractors and third parties that are granted access to personal data are obliged by Incore Technology AG to comply with all applicable data protection regulations. Persons to whom Incore Technology AG grants access to personal data in the scope of this policy will receive appropriate training in data security and data protection.

Data collected
Incore Technology AG processes personal data (e.g. name, gender, address, e-mail address, telephone or fax number) about the visitor whenever the visitor visits websites of Incore Technology AG or otherwise explicitly provides Incore Technology AG. with this data. This includes registration for specific services or web content that can only be accessed using a personal login, as well as subscriptions to print media or online newsletters. This also applies if the user participates in events (in person or online) run by Incore Technology AG. In some cases, personal data is processed when Incore Technology AG records telephone calls from users, whether for training or quality assurance purposes, or to meet its statutory obligations. The Incore Technology AG web server automatically records details of the user’s visit (like the IP address, browser type and version, operating system used, previous website, pages accessed, date and length of visit).

Data security
The websites are protected by appropriate technical and organizational measures against loss, destruction and manipulation as well as against access, modification and distribution by unauthorized persons.

Incore Technology AG protects personal information using appropriate physical, digital and procedural safeguards, including firewalls, personal passwords, encryption and authentication technologies. When Incore Technology AG collects personal data through one of its websites, the data is transferred in an encrypted form using the currently most common and secure Secure Socket Layer (SSL) technology.

Incore Technology AG stores the data collected when users access the websites as well as the data collected by cookies or entered in contact forms on registration pages exclusively on its own servers in Switzerland, which are protected by appropriate security measures.

Incore Technology AG reserves the right to transfer personal data to government and supervisory authorities as well as, within the scope of this declaration, to analysis service providers. Incore Technology AG fully complies with the applicable regulations, legislation and any court or official requirements.

Information about personal data being processed
Individuals whose personal data are processed within the scope of this policy have the following rights:

to obtain information about whether and which personal data is held by Incore Technology AG (categories of data, recipients or categories of recipients, retention period of the personal data or criteria used to determine the retention period);
to obtain a copy of the personal data;
to request the deletion of personal data;
to demand restrictions on the processing of personal data;
to obtain personal data in a structured, common and machine-readable format;
to object to the processing, in particular for the purpose of direct marketing.

The above-mentioned rights may be denied or restricted if the interests, rights or freedoms of third parties prevail or if processing serves Incore Technology AG. enforcement, exercise or defense of its legal claims.

Queries related to processing of personal data must be addressed to the Incore Technology AG data protection officer:

Incore Technology AG
Wiesenstrasse 17
CH-8952 Schlieren/Zurich
+41 44 496 16 00
Email

Right to withdraw consent and right to complain
All data subjects whose personal data is processed may withdraw their consent to processing at any time. The instruction withdrawing consent is to be made in writing or by e-mail to the data protection officer of Incore Technology AG.

Data subjects whose personal data is processed have the right to complain to a competent supervisory authority for data protection. The supervisory authority for data protection in Switzerland is the Federal Data Protection and Information Commissioner (FDPIC).

Links
Incore Technology AG's websites may contain hyperlinks to other websites that Incore Technology AG does not operate or monitor. Third party websites are not subject to this policy. Incore Technology AG is not responsible for their content or for their use of personal data.

Google Analytics
This website uses the Google Analytics component (with anonymization function). Google Analytics is a web analytics service. Web analytics means the collection, collation and evaluation of information about the behavior of visitors to web pages. The information captured by the web analytics service includes the web page from which a data subject arrived at the current web page (the referrer), the subpages of the website that have been accessed and the frequency and length of visits to subpages. Web analytics is primarily used to optimize a web page and carry out a cost-benefit analysis of web advertising.

The Google Analytics component is operated by Google Inc., 1600 Amphitheatre Pkwy, Mountain View, CA 94043-1351, USA.

The additional function «_gat._anonymizeIp» is used for the Google Analytics web analysis. This additional function abbreviates and anonymizes the IP address of the data subject’s internet connection when our web pages are accessed from a Member State of the European Union or from another country in the European Economic Area.

The purpose of using the Google Analytics component is to analyze visitor flows to our website. Google uses the data and information obtained in order to evaluate the use of our website, produce web reports for us showing the activities on our website, and to provide other services in connection with the use of our website.

Google Analytics places a cookie on the data subject’s computer. By setting this cookie, Google is able to analyze the use of this website. Each time one of the individual pages of this website that is operated by the processor and on which a Google Analytics component has been installed is accessed, the web browser on the data subject’s computer is automatically prompted by the respective Google Analytics component to transmit data to Google for the purpose of online analysis. As part of this technical process, Google obtains knowledge of personal data, such as the IP address of the data subject, that may be used by Google to track the origin of visitors and clicks and subsequently to enable computation of commissions.

The cookie is used to store personal information such as the access time, the location from which an access originated and the frequency of visits to our website by the data subject. Each time the data subject accesses the website, these personal data including the IP address of the Internet connection used by the data subject are transferred to Google in the United States of America. These personal data are stored in the United States of America by Google. Google may share this personal information collected by means of the technical process with third parties.

The data subject can prevent the setting of cookies by our website at any time, as described above, by configuring the appropriate web browser settings and thus permanently object to the setting of cookies. Such a configuration of the web browser settings would also prevent Google from setting a cookie on the data subject’s computer. In addition, a cookie already set by Google Analytics can be deleted via the web browser or other software programs at any time.

Furthermore, it is possible for the data subject to object to and prevent the collection of data generated by Google Analytics about the use of this website and the processing of this data by Google. To do this, the data subject must download and install a browser add-on from the link tools.google.com/dlpage/gaoptout. This browser add-on tells Google Analytics via JavaScript that no data and information about visits to web pages may be transmitted to Google Analytics. Installing the browser add-on is considered by Google to be withdrawal of consent. If the data subject’s computer system is deleted, formatted or reinstalled at a later time, the data subject must reinstall the browser add-on in order to deactivate Google Analytics. If the browser add-on is uninstalled or deactivated by the data subject or by a person within his/her sphere of control, it may be reinstalled or reactivated.

More information about Google’s current privacy policy can be found at https://policies.google.com/privacy and https://marketingplatform.google.com/about/analytics/terms/de/. Google Analytics is explained in more detail at this link https://marketingplatform.google.com/about/.

Social Media Buttons
The Incore Technology AG websites integrate functions (in the form of plug-ins) of third-party providers or social media platforms (LinkedIn, Xing, Google+, etc.). These plug-ins allow the user to share content on the aforementioned social networks. The buttons are deactivated by default when the website is accessed. This means that no personal data is transmitted to the respective third-party providers without the user’s intervention. When the user activates the buttons, the plug-ins automatically transmit data including personal data to the corresponding third-party provider. If the user is logged into the network of the respective third-party provider at the same time, the third-party provider can match the visit to the user’s social media account. Incore Technology AG has no influence over this. The purpose and scope of this data collection and the further processing and use of personal data are subject to the privacy policies of the corresponding social networks. These also provide users with information on rights and settings in relation to protection of their privacy.

Hotjar
Incore Technology AG uses Hotjar as part of its services. Hotjar uses cookies. Hotjar processes stored anonymous information (e.g. click behavior, IP addresses, geographical location, browser type, length of visit, pages accessed) on behalf of Incore Technology AG in order to prepare reports on the use of the website. Incore Technology AG can also carry out targeted marketing activities on the basis of this information. Hotjar processes the data in Ireland. More information can be found at https://help.hotjar.com/hc/en-us/sections/115003180467-Privacy-Security-and-Operations.

Matomo (formerly called Piwik)
This website uses the open source web analysis service Matomo. Matomo uses technologies that make it possible to recognize the user across multiple pages with the aim of analyzing the user patterns (e.g. cookies or device fingerprinting). The information recorded by Matomo about the use of this website will be stored on our server. Prior to archiving, the IP address will first be anonymized.

Through Matomo, we are able to collect and analyze data on the use of our website by website visitors. This enables us to find out, for instance, when which page views occurred and from which region they came. In addition, we collect various log files (e.g. IP address, referrer, browser, and operating system used) and can measure whether our website visitors perform certain actions (e.g. clicks, purchases, etc.).

The use of this analysis tool is based on Art. 6 Sect. 1 lit. f GDPR. The website operator has a legitimate interest in the analysis of user patterns, in order to optimize the operator’s web offerings and advertising. If a corresponding agreement has been requested (e.g. an agreement to the storage of cookies), the processing takes place exclusively on the basis of Art. 6 para. 1 lit. a GDPR; the agreement can be revoked at any time.

Hosting
We host Matomo exclusively on our own servers so that all analysis data remains with us and is not passed on.

Modifications
Incore Technology AG may unilaterally make changes to this policy at any time. The current version will be published online.

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Incore Asset Management Solution AG | Legal Disclaimer

The following legal notice and privacy policy are addressed to business partners of Incore Asset Management Solution AG and visitors of the website www.incore-ams.de.

Use of the website
The entire content of the website of s protected by copyright (all rights reserved). Individual pages and/or parts of the Incore Asset Management Solution AG website may only be downloaded and/or printed out if the copyright marks and other designations protected by law are retained. Whenever you download, print or reproduce any data from the website, all rights of ownership are retained by Incore Asset Management Solution AG and the relevant third-part owners. Reproduction, transmission (by electronic or other means), modification, linking or use of any or all of the Incore Asset Management Solution AGG website for public or commercial purposes is prohibited.

Not an offer
The information published on the Incore Asset Management Solution AG website does not constitute a call or offer or recommendation to buy or sell investment instruments or to undertake any transactions or conclude any legal transaction.

No guarantees, no liability
Incore Asset Management Solution AG has taken every effort to obtain the information on this website from known reliable sources. Information sourced from third parties is checked by Incore Asset Management Solution AG, however Incore Asset Management Solution AG and third parties provide no statement as to the accuracy, reliability and completeness of the information and views provided on the website. The information and views distributed on the Incore Asset Management Solution AG website are provided by Incore Asset Management Solution AG and third parties purely for private use and information purposes and are subject to modification at any time without prior notice. The data on the Incore Asset Management Solution AG website does not constitute formal decision-making information for any legal, tax or other queries not should any such investment or other decisions be made on this basis. No guarantee whether express or implied is given for the accuracy, currency and completeness of the information and data made available on the Incore Asset Management Solution AG website. Incore Asset Management Solution AG and third parties shall bear no liability for any losses or damages of any type, whether direct, indirect or consequential, suffered as a result of or in connection with the access to the use, performance or queries of the InCore Bank website or its links to other websites, even if Incore Asset Management Solution AG or third parties have been informed of the possibility of such damages.

Local statutory restrictions
The Incore Asset Management Solution AG website is not intended for use by persons who are subject to laws that forbid the publication or access of the Incore Asset Management Solution AG website (on the basis of the nationality of the affected person, their place of residence or other reasons). Persons who are subject to such restrictions are not permitted to use the Incore Asset Management Solution AG website. In particular this relates to persons in the United Kingdom, Japan, the USA and other countries in which the offer of such products and services is subject to limits.

Privacy Policy of Incore Asset Management Solution AG

General
In the scope of its operational activities, Incore Asset Management Solution AG complies with the legal requirements of the Swiss Data Protection Act (DPA) and the European General Data Protection Regulation (GDPR).

This privacy policy explains how Incore Asset Management Solution AG processes personal information about business partners and visitors to this website. The term «process» covers all handling of personal data, irrespective of the tools and procedures used, in particular the storage, disclosure, procurement, deletion, saving, modification, destruction and use of personal data. «Personal data» refers to all information relating to an identified or identifiable person. In addition, the privacy policy describes how Incore Asset Management Solution AG guarantees the security of the personal data it processes.

The visitor agrees that Incore Asset Management Solution AG processes personal data in accordance with the policy. Statutory or contractual confidentiality obligations imposed on Incore Asset Management Solution AG with regard to the visitor’s personal data are not affected by this policy.

Processing and protection of personal data
Personal data is processed in particular for the following purposes:

to agree contracts with business partners;
for technical administration and research;
for further development of the websites;
for user administration and marketing;
to provide information to users about Incore Asset Management Solution AG’s services and products, insofar as the user has given consent for this purpose.

The visitor authorizes Incore Asset Management Solution AG to pass on personal data to employees, subcontractors or third parties within or outside the visitor’s country of residence in order to provide services and for the aforementioned purposes. Employees, subcontractors and third parties that are granted access to personal data are obliged by Incore Asset Management Solution AG to comply with all applicable data protection regulations. Persons to whom Incore Asset Management Solution AG grants access to personal data in the scope of this policy will receive appropriate training in data security and data protection.

Data collected
Incore Asset Management Solution AG processes personal data (e.g. name, gender, address, e-mail address, telephone or fax number) about the visitor whenever the visitor visits websites of Incore Asset Management Solution AG or otherwise explicitly provides Incore Asset Management Solution AG with this data. This includes registration for specific services or web content that can only be accessed using a personal login, as well as subscriptions to print media or online newsletters. This also applies if the user participates in events (in person or online) run by Incore Asset Management Solution AG In some cases, personal data is processed when Incore Asset Management Solution AG records telephone calls from users, whether for training or quality assurance purposes, or to meet its statutory obligations. The Incore Asset Management Solution AG web server automatically records details of the user’s visit (like the IP address, browser type and version, operating system used, previous website, pages accessed, date and length of visit).

Data security
The websites are protected by appropriate technical and organizational measures against loss, destruction and manipulation as well as against access, modification and distribution by unauthorized persons.

Incore Asset Management Solution AG protects personal information using appropriate physical, digital and procedural safeguards, including firewalls, personal passwords, encryption and authentication technologies. When Incore Asset Management Solution AG collects personal data through one of its websites, the data is transferred in an encrypted form using the currently most common and secure Secure Socket Layer (SSL) technology.

Incore Asset Management Solution AG stores the data collected when users access the websites as well as the data collected by cookies or entered in contact forms on registration pages exclusively on its own servers in Switzerland, which are protected by appropriate security measures.

Incore Asset Management Solution AG reserves the right to transfer personal data to government and supervisory authorities as well as, within the scope of this declaration, to analysis service providers. Incore Asset Management Solution AG fully complies with the applicable regulations, legislation and any court or official requirements.

Information about personal data being processed
Individuals whose personal data are processed within the scope of this policy have the following rights:

to obtain information about whether and which personal data is held by Incore Asset Management Solution AG (categories of data, recipients or categories of recipients, retention period of the personal data or criteria used to determine the retention period);
to obtain a copy of the personal data;
to request the deletion of personal data;
to demand restrictions on the processing of personal data;
to obtain personal data in a structured, common and machine-readable format;
to object to the processing, in particular for the purpose of direct marketing.

The above-mentioned rights may be denied or restricted if the interests, rights or freedoms of third parties prevail or if processing serves Incore Asset Management Solution AG enforcement, exercise or defense of its legal claims.

Queries related to processing of personal data must be addressed to the Incore Asset Management Solution AG data protection officer:

Incore Asset Management Solution AG
Amberger Straße 136
DE-93057 Regensburg
+49 941 46 21 20
Email

Right to withdraw consent and right to complain
All data subjects whose personal data is processed may withdraw their consent to processing at any time. The instruction withdrawing consent is to be made in writing or by e-mail to the data protection officer of Incore Asset Management Solution AG.

Data subjects whose personal data is processed have the right to complain to a competent supervisory authority for data protection. The supervisory authority for data protection in Switzerland is the Federal Data Protection and Information Commissioner (FDPIC).

Links
Incore Asset Management Solution AG's websites may contain hyperlinks to other websites that Incore Asset Management Solution AG does not operate or monitor. Third party websites are not subject to this policy. Incore Asset Management Solution AG is not responsible for their content or for their use of personal data.