The Responsible contact point in terms of the data protection laws (the EU General Data Protection Regulation (GDPR), California (CCPA), and Swiss Data regulations (CH-DSG)) is:Schatzmann Coaching & Beratungen
Marktstrasse 21A, CH-8890 Flums, Switzerland
In cooperation with our hosting providers, we make every effort to protect the databases against unauthorised access, loss, abuse or forgery.We would like to point out that data transmission over the internet (e.g. when communicating by e-mail) can have security gaps. Complete protection of data against access by third parties is not possible.
By using this website, you agree to the collection, processing and use of data in accordance with the following description. This website can be visited without registration. Data such as called up pages or the name of the called up file, date and time are stored on the server for statistical purposes, without these data being directly related to you. Personal data, in particular name, address or e-mail address, are collected on a voluntary basis as far as possible. The data will not be passed on to third parties without your consent.Online marketing and advertising links
If you click on an affiliate link and make a purchase via this link, I will receive a commission from the respective online shop or provider. The price does not change for you or there will be a substantial discount.
Processing of personal dataPersonal data is all information that relates to an identified or identifiable person. A data subject is a person about whom personal data is processed. Processing includes any handling of personal data, irrespective of the means and procedures used, in particular the storage, disclosure, procurement, deletion, storage, modification, destruction and use of personal data.
We process personal data in accordance with Swiss data protection law. In addition, we process personal data – insofar and to the extent that the EU GDPR is applicable – in accordance with the following legal principles in connection with Art. 6 Para. 1 GDPR:
This website uses SSL/TLS encryption for reasons of security and protection of the transmission of confidential content, such as the requests you send to us as the site operator. You can recognise an encrypted connection by the fact that the address line of your browser changes from «http://» to «https://» and by the lock symbol in your browser line.
If SSL or TLS encryption is activated, the data you transmit to us cannot be read by third parties.
Data transmission security (without SSL)
Please note that data transmitted via an open network such as the Internet or an e-mail service without SSL encryption can be viewed by anyone. You can recognise an unencrypted connection by the fact that the address line of the browser displays «http://» and no lock symbol is displayed in your browser line. Information that is transmitted via the Internet and content received online may, under certain circumstances, be transmitted via third-party networks. We cannot guarantee the confidentiality of messages or documents transmitted via such open networks or third-party networks.
If you disclose personal information over an open network or third-party networks, you should be aware that your data may be lost or that third parties may potentially access this information and therefore collect and use the data without your consent. Although the individual data packets are transmitted in encrypted form in many cases, the sender and recipient’s names are not. Even if the sender and the recipient live in the same country, data transmission via such networks is often carried out without controls, even via third countries, i.e. also via countries that do not offer the same level of data protection as your country of residence. We assume no responsibility for the security of your data during transmission via the Internet and disclaim any liability for direct or indirect losses. We ask you to use other means of communication should you consider this necessary or reasonable for security reasons.
Data may be lost or intercepted, and/or manipulated by unauthorised persons despite extensive technical and organisational security measures. As far as possible, we take appropriate technical and organisational security measures to prevent this within our system. However, your computer is located outside the security area under our control. As a user, it is your responsibility to inform yourself about the necessary security measures and take appropriate action in this regard. As a website operator, we are in no way liable for any damage that you may incur as a result of data loss or manipulation.
Data that you enter in online forms may be passed on to third parties for the purpose of order processing and may be viewed and processed by them.
The provider of this website automatically collects and stores information in so-called server log files, which your browser automatically transmits to us. These are:
- Browser type and version
- Operating system used
- Referrer URL
- Host name of the accessing computer
- Time of the server request
These data cannot be assigned to specific persons. A consolidation of this data with other data sources is not carried out. We reserve the right to check this data subsequently if we become aware of concrete indications of illegal use.
This website may use Google Maps for embedding maps, Google Invisible reCAPTCHA for protection against bots and spam and YouTube for embedding videos.
If you send us enquiries via the contact form, your details from the enquiry form, including the contact data you provide there, will be stored by us for the purpose of processing the enquiry and in the event of follow-up questions. We will not pass on this data without your consent.
If you would like to receive the newsletter offered on this website, we need an e-mail address from you as well as information that allows us to verify that you are the owner of the e-mail address provided and that you agree to receive the newsletter. Further data will not be collected. We use these data exclusively for sending the requested information and do not pass them on to third parties.
You can revoke your consent to the storage of the data, the e-mail address and its use for sending the newsletter at any time, e.g. via the «unsubscribe» link in the newsletter.
For the comment function on this website, in addition to your comment, information about the time the comment was created, your e-mail address, and, if you are not posting anonymously, the user name you have chosen is stored.
Storage of the IP address
Our comment function stores the IP addresses of users who post comments. Since we do not check comments on our site before they are activated, we need this data to be able to take action against the author in case of legal violations such as insults or propaganda.Subscribe to comments
As a site user, you can subscribe to comments after logging in. You will receive a confirmation email to verify that you are the owner of the email address you entered. You can unsubscribe from this function via a link in the info mails.
Data protection declaration for the right to information, deletion, blocking.
You have the right to receive information free of charge at any time about your stored personal data, its origin and recipients and the purpose of data processing, as well as the right to correct, block or delete this data. For this purpose, as well as for further questions regarding personal data, you can contact us at any time at the address given in the imprint.
We hereby object to the use of contact data published within the scope of the imprint obligation to send advertising and information material not expressly requested. The operators of this website expressly reserve the right to take legal action in the event that unsolicited advertising information is sent, for example, by spam e-mails.
Services subject to chargesIn order to provide services that are subject to a charge, we ask for additional data, such as payment details, in order to be able to carry out your order. We store this data in our systems until the statutory retention periods have expired.
Use of Google Maps
This website uses Google Maps API to visually display geographical information. When using Google Maps, Google also collects, processes and uses data on the use of the map functions by visitors. You can find more detailed information about data processing by Google in the Google data protection notice. There you can also change your personal data protection settings in the data protection centre.
You can find detailed instructions on how to manage your own data in connection with Google products here.
This website uses Google Conversion Tracking. If you have reached our website via an advertisement placed by Google, Google Adwords will set a cookie on your computer. The conversion tracking cookie is set when a user clicks on an ad served by Google. These cookies expire after 30 days and are not personally identifiable. If the user visits certain pages on our site and the cookie hasn’t expired, Google and we can tell that the user clicked on the ad and was redirected to that page. Each Google AdWords customer receives a different cookie. As a result, cookies cannot be tracked across the websites of AdWords customers. The information collected through the conversion cookie is used to compile conversion statistics for advertisers who have opted into conversion tracking. Customers are told the total number of users who clicked on their ad and were redirected to a page with a conversion tracking tag. However, they do not receive any information that can be used to personally identify users.If you do not wish to participate in tracking, you can refuse the necessary setting of a cookie – for example, by changing your browser settings to generally disable the automatic setting of cookies or to set your browser to block cookies from the domain «googleleadservices.com».
Please note that you are not allowed to delete the opt-out cookies as long as you do not wish to record measurement data. If you have deleted all your cookies in your browser, you will have to set the respective opt-out cookie again.
Use of Google Remarketing
This website uses the remarketing function of Google Inc. to present interest-related advertisements to website visitors within the Google advertising network. A so-called «cookie» is stored in the visitor’s browser, which makes it possible to recognise the visitor when he or she calls up websites that belong to the Google advertising network. On these pages the visitor may be presented with advertisements relating to content that the visitor has previously viewed on websites that use Google’s remarketing function.
Use of Google reCAPTCHA
This website uses so-called web fonts, which are provided by Google, for the uniform display of fonts. When you call up a page, your browser loads the required web fonts into its browser cache in order to display texts and fonts correctly. If your browser does not support web fonts, a default font from your computer will be used.
Google Tag Manager
This WebSite uses features from Facebook Inc, 1601 S. California Ave, Palo Alto, CA 94304, USA. When you access our pages with Facebook plug-ins, a connection is established between your browser and the Facebook servers. Data is already being transferred to Facebook in the process. If you have a Facebook account, this data can be linked to it. If you do not want this data to be linked to your Facebook account, please log out of Facebook before visiting our site. Interactions, in particular, the use of a comment function or clicking a «Like» or «Share» button, are also passed on to Facebook. You can find out more at https://de-de.facebook.com/about/privacy.
This website uses features from Twitter, Inc, 1355 Market St, Suite 900, San Francisco, CA 94103, USA. When you access our pages with Twitter plug-ins, a connection is established between your browser and the servers of Twitter. Data is already being transferred to Twitter. If you have a Twitter account, this data can be linked to it. If you do not want this data to be linked to your Twitter account, please log out of Twitter before visiting our site. Interactions, especially clicking a «Re-Tweet» button, are also transmitted to Twitter. You can find out more at https://twitter.com/privacy.
External payment service providers
This website uses external payment service providers, through whose platforms the users and we can carry out payment transactions. For example via
- PostFinance (https://www.postfinance.ch/de/detail/rechtliches-barrierefreiheit.html)
- Visa (https://www.visa.de/nutzungsbedingungen/visa-privacy-center.html)
- Mastercard (https://www.mastercard.ch/de-ch/datenschutz.html)
- American Express (https://www.americanexpress.com/de/content/privacy-policy-statement.html)
- Paypal (https://www.paypal.com/de/webapps/mpp/ua/privacy-full)
- Bexio AG (https://www.bexio.com/de-CH/datenschutz)
- Payrexx AG (https://www.payrexx.ch/site/assets/files/2592/datenschutzerklaerung.pdf)
- Apple Pay (https://support.apple.com/de-ch/ht203027)
- Stripe (https://stripe.com/ch/privacy)
- Klarna (https://www.klarna.com/de/datenschutz/)
- Skrill (https://www.skrill.com/de/fusszeile/datenschutzrichtlinie/)
- Giropay (https://www.giropay.de/rechtliches/datenschutz-agb/) etc.
Within the framework of the performance of contracts, we appoint payment service providers on the basis of the Swiss Data Protection Ordinance and, where necessary, Art. 6 para. 1 item b. EU-GDPR. Furthermore, we use external payment service providers on the basis of our legitimate interests in accordance with the Swiss Data Protection Ordinance and, where necessary, Art. 6 para. 1 item f. EU-GDPR in order to offer our users effective and secure payment options.
The data processed by the payment service providers include inventory data, such as name and address, bank data, such as, inter alia, account or credit card numbers, passwords, TANs and checksums, as well as contract, sum and recipient related data. These details are required to carry out the transactions. However, the data entered is only processed by the payment service providers and stored by them. We as the operator, do not receive any information about (bank) account or credit card, but only information to confirm (accept) or reject the payment. Under certain circumstances, the payment service providers may transfer the data to credit agencies. The purpose of this transmission is to check identity and creditworthiness. In this regard we refer to the general terms and conditions and data protection information of the payment service providers.
For the payment transactions, the terms and conditions and the data protection information of the respective payment service providers apply, which can be accessed within the respective website or transaction applications. We also refer to these for further information and the assertion of rights of revocation, information and other rights of data subjects.
Newsletter – Mailchimp
The newsletters are sent via the mailing service provider ‹MailChimp›, a newsletter mailing platform of the US provider Rocket Science Group, LLC, 675 Ponce De Leon Ave NE #5000, Atlanta, GA 30308, USA. You can view the data protection regulations of the mailing service provider here. The Rocket Science Group LLC d/b/a MailChimp is certified under the PrivacyShield Agreement and thus offers a guarantee to comply with the European data protection level (PrivacyShield). The mail order service provider is used on the basis of our legitimate interests according to art. 6 para. 1 item f GDPR and an order processing contract according to art. 28 para. 3 sentence 1 GDPR.
The mailing service provider can use the data of the recipients in pseudonymous form, i.e. without allocation to a user, to optimise or improve its own services, e.g. for the technical optimisation of the dispatch and presentation of the newsletter or for statistical purposes. However, the mailing service provider does not use the data of our newsletter recipients to write to them itself or to pass the data on to third parties.
This website uses plugins from the YouTube site operated by Google. The operator of the pages is YouTube, LLC, 901 Cherry Ave., San Bruno, CA 94066, USA. When you visit one of our sites equipped with a YouTube plugin, a connection to the YouTube servers is established. This tells the YouTube server which of our pages you have visited.
If you are logged in to your YouTube account, you allow YouTube to assign your surfing behavior directly to your personal profile. You can prevent this by logging out of your YouTube account.
For further information on Amazon’s use of data and the possibility of objection, please refer to the company’s data protection declaration under the link: https://www.amazon.de/gp/help/customer/display.html?nodeId=201909010.
Amazon and the Amazon logo are trademarks of Amazon.com, Inc. or one of its affiliated or associated companies.
We are on the basis of our legitimate interests within the meaning of Art. 6 para. 1 lit. f. DSGVO, participants in the Booking.com partner program, which is designed to provide a medium for websites through which advertising costs can be earned by placing advertisements and links to Booking.com (affiliate system). As a Booking.com partner, we earn on qualified bookings.
Order processing in the online shop with customer account
We process the data of our customers in accordance with the data protection regulations of the Swiss Confederation (Data Protection Act, DSG) and the EU-GDPR, within the framework of the order processes in our online shop, in order to enable them to select and order the selected products and services, as well as their payment and delivery, or execution.
The processed data includes master data (inventory data), communication data, contract data, payment data, and the persons affected by the processing include our customers, interested parties and other business partners. The processing is carried out for the purpose of providing contractual services in the context of operating an online shop, billing, delivery and customer services. For this purpose, we use session cookies, e.g. for storing the contents of the shopping cart, and permanent cookies, e.g. for storing the login status.
The processing is based on Art. 6 Para. 1 item b (execution of ordering processes) and c (legally required archiving) of the GDPR. The information marked as required is required for the establishment and fulfilment of the contract. We disclose the data to third parties only within the scope of delivery, payment or within the scope of the legal permits and obligations. The data is only processed in third countries if this is necessary for the fulfilment of the contract (e.g. at the request of the customer for delivery or payment).
Users can optionally create a user account, in particular by viewing their orders. During the registration process, the required mandatory data will be provided to the users. The user accounts are not public and cannot be indexed by search engines such as Google. If users have terminated their user account, their data will be deleted with regard to the user account, subject to their safekeeping is necessary for reasons of commercial or tax law in accordance with Art. 6 Para. 1 item c GDPR. Data in the customer account will remain until their deletion with subsequent archiving in case of a legal obligation. It is the responsibility of the users to save their data in case of termination before the end of the contract.Within the scope of registration and renewed logins and use of our online services, we store the IP address and the time of the respective user action. The storage is based on our legitimate interests, as well as the user’s need for protection against misuse and other unauthorised use. This data will not be passed on to third parties unless it is necessary to pursue our claims or there is a legal obligation to do so in accordance with Art. 6 Para. 1 item c DSGVO.
Deletion takes place after the expiry of the legal warranty, and comparable obligations, the necessity of data storage is checked at irregular intervals. In the case of legal archiving obligations, deletion shall take place after the expiry of these obligations.
Agency servicesWe process the data of our customers in accordance with the data protection regulations of the Swiss Confederation (Data Protection Act, DSG) and the EU-GDPR within the scope of our contractual services.
We process inventory data (e.g., customer master data, such as names or addresses), contact data (e.g., e-mail, telephone numbers), content data (e.g., text entries, etc.), contract data (e.g., subject matter of the contract, term of the contract), payment data (e.g., bank details, payment history), usage and metadata (e.g., in the context of the evaluation and performance measurement of marketing measures). Those affected include our customers, interested parties and their customers, users, website visitors or employees, as well as third parties. The purpose of processing is to provide contractual services, billing and our customer service. The legal basis of the processing is derived from Art. 6 para. 1 item b GDPR (contractual services), Art. 6 para. 1 item f GDPR (analysis, statistics, optimisation, security measures). We process data which are necessary for the justification and fulfilment of the contractual services and point out the necessity of their disclosure. Disclosure to external parties is only made if it is required within the scope of a contract. When processing the data provided to us within the scope of an order, we act in accordance with the instructions of the client and the legal requirements of an order processing in accordance with Art. 28 GDPR and do not process the data for any other purposes than those specified in the order.
We delete the data after the expiry of the legal warranty and comparable obligations. The necessity of keeping the data is checked at irregular intervals. In the case of legal archiving obligations, the deletion takes place after the expiry of these obligations. In the case of data that has been disclosed to us by the client within the scope of an order, we delete the data in accordance with the requirements of the order, in principle after the end of the order.Brokerage services
We process the data of our customers, clients and interested parties (uniformly referred to as «customers») in accordance with the data protection regulations of the Swiss Confederation (Data Protection Act, DSG) and the EU-GDPR in accordance with Art. 6 para. 1 item b. GDPR in order to provide them with our contractual or pre-contractual services. The data processed, the type, scope, purpose and necessity of their processing are determined by the underlying order. This includes in principle inventory and master data of the customers (name, address, etc.), as well as contact data (e-mail address, telephone, etc.), contract data (content of the order, fees, terms, details of the brokered companies/insurance companies/ services) and payment data (commissions, payment history, etc.). We may also process the information on the characteristics and circumstances of persons or items belonging to them if this is part of the subject of our order. This can be, for example, information on personal circumstances, mobile or immobile material goods.
Within the scope of our assignment, it may also be necessary for us to process special categories of data in accordance with Art. 9 Para. 1 GDPR, in particular, data concerning the health of a person. For this purpose, we obtain the express consent of the customer, if necessary, in accordance with Art. 6 Para. 1 item a., Art. 7, Art. 9 Para. 2 item a GDPR.
Insofar as it is necessary for the fulfilment of the contract or legally required, we disclose or transfer the data of the customers in the context of coverage requests, conclusion and processing of contracts, data to providers of the brokered services/objects, insurers, reinsurers, broker pools, technical service providers, other service providers, such as, e.g. cooperating associations, as well as financial service providers, credit institutions and investment companies as well as social security institutions, tax authorities, tax advisors, legal advisors, auditors, insurance ombudspersons and the Swiss Financial Market Supervisory Authority (FINMA) or Federal Financial Supervisory Authority (BaFin). Furthermore, we can also engage subcontractors, such as sub-brokers. We obtain the consent of the clients, provided that such consent is required for disclosure/transmission (which may be the case, for example, in the case of special categories of data pursuant to Art. 9 GDPR).
The deletion of the data is carried out after the expiry of legal warranty and comparable obligations, whereby the necessity of the storage of the data is checked at irregular intervals. In all other respects, the statutory storage obligations apply. In the case of the legal archiving obligations, the deletion occurs after their expiry.
We process the data of our contractual partners and interested parties as well as other principals, customers, clients, clients or contractual partners (uniformly referred to as «contractual partners») in accordance with the data protection regulations of the Federal Republic of Germany (Data Protection Act, DSG) and the EU-DSGVO in accordance with Art. 6 para. 1 lit. b. DSGVO in order to provide them with our contractual or pre-contractual services. The data processed in this context, the type, scope and purpose of such processing and the necessity of processing it, shall be determined by the underlying contractual relationship.
The processed data includes the master data of our contractual partners (e.g. names and addresses), contact data (e.g. e-mail addresses and telephone numbers) as well as contract data (e.g. services used, contract contents, contractual communication, names of contact persons) and payment data (e.g. bank details, payment history).
As a matter of principle, we do not process special categories of personal data, unless they are part of a commissioned or contractual processing.
We process data which are necessary for the justification and fulfilment of the contractual services and point out the necessity of their disclosure, if this is not evident to the contractual partners. Disclosure to external persons or companies will only be made if it is necessary within the scope of a contract. When processing the data provided to us within the framework of an order, we act in accordance with the instructions of the client and the legal requirements.
When using our online services, we may store the IP address and the time of the respective user action. The storage is based on our legitimate interests, as well as the interests of the users in protection against misuse and other unauthorized use. This data will not be passed on to third parties, unless it is necessary to pursue our claims in accordance with Art. 6 Para. 1 item f. GDPR or there is a legal obligation to do so in accordance with Art. 6 Para. 1 item c. GDPR.
The data is deleted when the data is no longer necessary for the fulfilment of contractual or statutory duties of care and for dealing with any warranty and comparable duties, whereby the necessity of storing the data is checked at irregular intervals. In all other respects, the statutory storage obligations apply.Administration, financial accounting, office organisation, contact management
We process data in accordance with the data protection regulations of the Swiss Confederation (Data Protection Act, DSG) and the EU-GDPR within the framework of administrative tasks as well as the organisation of our operations, financial accounting and compliance with legal obligations, such as archiving. In doing so, we process the same data that we process within the scope of providing our contractual services. The basis for processing is Art. 6 para. 1 item c. GDPR, Art. 6 para. 1 item f. GDPR. Customers, interested parties, business partners and website visitors are affected by the processing. The purpose of and our interest in the processing lies in the administration, financial accounting, office organisation, archiving of data, i.e. tasks that serve to maintain our business activities, perform our tasks and provide our services. The deletion of the data with regard to contractual services and contractual communication corresponds to the data mentioned in these processing activities.
In doing so, we disclose or transfer data to the tax authorities, consultants, such as tax advisors or auditors, as well as other fee earners and payment service providers.
Furthermore, we store information on suppliers, event organisers and other business partners on the basis of our business interests, e.g. for the purpose of contacting them at a later date. We store these mostly company-related data permanently.
Provision of our services according to statutes
We process the data of our members, supporters, interested parties, customers or other persons in accordance with the data protection regulations of the Swiss Confederation (Data Protection Act, DSG) and the EU-GDPR in accordance with Art. 6 Para. 1 item b. GDPR, insofar as we offer contractual services to them or act within the framework of existing business relationships, e.g. to members, or are ourselves recipients of services and benefits. Otherwise, we process the data of affected persons in accordance with Art. 6 Para. 1 item f. GDPR on the basis of our legitimate interests, e.g. if it concerns administrative tasks or public relations work.
The data processed, the nature, scope and purpose of such processing and the necessity of its processing are determined by the underlying contractual relationship. This basically includes inventory and master data of persons (e.g., name, address, etc.), as well as contact data (e.g., e-mail address, telephone number, etc.), contractual data (e.g., services used, contents and information provided, names of contact persons) and, if we offer services or products that require payment, payment data (e.g., bank details, payment history, etc.).
We delete data that are no longer required to fulfil the statutory purposes. This is determined according to the respective tasks and contractual relationships. In the case of business processing, we retain the data for as long as it may be relevant to the business transaction and also with regard to any warranty or liability obligations. The necessity of storing the data is checked at irregular intervals. In all other respects, the statutory storage obligations apply.
Note concerning data transmissions to the USA (United States of America)
For the sake of completeness, we would like to point out that users based in Switzerland are subject to surveillance measures by US authorities, which generally allow the storage of all personal data from Switzerland – which has been transferred to the USA.
This is done without differentiation, restriction or exception on the basis of the objectives pursued and without any objective, criterion making it possible to limit the access and subsequent use of the data by the US authorities to very specific and strictly limited purposes that can justify both access to and interference with the data. Furthermore, we would like to point out that there are no legal remedies available in the USA for Swiss data subjects that would allow them to obtain access to the data concerning them and to have them corrected or deleted, or that there is no adequate legal protection against general access rights of US authorities. We explicitly draw the attention of the person concerned to this legal and factual situation in order to make an appropriately informed decision to consent to the use of their data.We would like to point out to users residing in an EU member state that the USA does not have an adequate level of data protection from the perspective of the European Union.
The copyrights and all other rights to content, images, photos or other files on the website belong exclusively to the operator of this website or the specifically named rights holders. For the reproduction of all files, the written consent of the copyright holder must be obtained in advance.
Anyone who commits a copyright infringement without the consent of the respective rights holder may be liable to prosecution and, at most, to damages.
General exclusion of liability
All information on our website has been carefully checked. We make every effort to ensure that the information we offer is up-to-date, correct and complete. Nevertheless, the occurrence of errors cannot be completely ruled out, which means that we cannot guarantee the completeness, correctness and topicality of information, including journalistic and editorial information. Liability claims arising from material or non-material damage caused by the use of the information provided are excluded, unless there is evidence of wilful intent or gross negligence.
The publisher can change or delete texts at his own discretion and without notice and is not obliged to update the contents of this website. The use or access to this website is at the visitor’s own risk. The publisher, its clients or partners are not responsible for damages, such as direct, indirect, accidental, pre-determined concrete or consequential damages, which are allegedly caused by visiting this website and therefore do not assume any liability for them.
The publisher also assumes no responsibility or liability for the content and availability of third-party websites that can be accessed via external links on this website. The operators of the linked sites are solely responsible for their content. The publisher thus expressly distances itself from all third-party content that may be relevant under criminal or liability law or that is contrary to public decency.
Questions to the data protection officer