Legal

Legal

The website www.elipsLife.com is the internet site of Elips Life Ltd (hereinafter referred to as elipsLife). By accessing the website, you acknowledge and accept the following conditions:

Regional restrictions

Unless explicitly stated otherwise, the information and products described here address corporate customers domiciled in Switzerland and Liechtenstein. Products are only sold through specialised insurance brokers.

Exclusion of warranty and liability

Although the information published on this website is reviewed and updated regularly, elipsLife cannot offer any assurances or guarantees concerning the completeness, accuracy and relevance of the information. For binding information, please refer to our General Insurance Provisions.

This website is used at the user's own risk. To the extent possible under the law, elipsLife excludes any liability for loss or damage arising from or related to accessing or using this website (or the inability to access or use this website).

Linked websites

elipsLife's website may contain links to other websites. As elipsLife cannot check or determine their contents, it does not accept any liability for their contents, product and service offers or other offers or for their compliance with the provisions of data protection legislation.

Right to make changes

elipsLife reserves the right to change this website at any time without prior notice.

Your satisfaction with our services is important for us!

We therefore take your suggestions, comments and complaints very seriously. The quickest way to address any concerns is to contact your relationship manager or usual contact person. You can also write us at:

Elips Life Ltd
Legal & Compliance
Industriestrasse 56
9491 Ruggell, Liechtenstein

We always want to resolve any concern you raise with us. However, if you are not satisfied with our final response or our services, you can also refer your case to the Financial Market Authority Liechtenstein.

Finanzmarktaufsicht Liechtenstein
Landstrasse 109
Postfach 279
9490 Vaduz, Liechtenstein

Regional restrictions

Unless explicitly stated otherwise, the information and products described here address corporate customers domiciled in Belgium. Products are only sold through specialised insurance brokers.

Your satisfaction with our services is important for us!

We therefore take your suggestions, comments and complaints very seriously. The quickest way to address any concerns is to contact your relationship manager or usual contact person. Complaints can be sent to klachten@elipslife.com. You can also write us at:

Elips Life AG
Compliance
Postbus 282
2130 AG Hoofddorp

We always want to resolve any concern you raise with us.

Regionale Einschränkungen

Soweit nicht anders vermerkt wird, richten sich die beschriebenen Produkte und Informationen an Kunden mit Sitz in Deutschland. Der Vertrieb erfolgt ausschliesslich über spezialisierte Versicherungsvermittler.

Ihre Zufriedenheit ist uns wichtig!

Wir nehmen deshalb Ihre Anregungen, Kritik und Beschwerden sehr ernst. Um ihr Anliegen vorzubringen kontaktieren Sie am besten Ihren Berater oder übliche Ansprechperson oder schreiben uns unter:

Elips Life AG, Zweigniederlassung Deutschland
Legal & Compliance
Im Mediapark 8
50670 Köln
pbzcyvnapr@ryvcfyvsr.pbz

Was können Sie von uns erwarten
Wir werden Ihre Beschwerde aufnehmen und unser Möglichstes tun, um diese bis zum Ende des nächsten Arbeitstages zu lösen. Falls die Bearbeitung nicht innerhalb von einem Arbeitstag abgeschlossen werden kann, werden wir uns erneut mit Ihnen in Verbindung setzen.

Die Lösung Ihrer Beschwerde
Wir werden so schnell wie möglich, aber in jedem Fall innerhalb von zwei Wochen eine Lösung für Ihre Beschwerde finden. Können innerhalb von zwei Wochen nicht alle Punkte geklärt werden, informieren wir Sie vor Ablauf dieser Frist über die weiteren Schritte. Nach eingehender Prüfung Ihrer Beschwerde, werden wir Ihnen eine endgültige Stellungnahme zukommen lassen.

Wenn Sie mit dem Ergebnis nicht zufrieden sind
Für den Fall, dass wir nicht in der Lage sind Ihre Beschwerde zu lösen oder Sie mit dem Ergebnis unzufrieden sind, können Sie Ihre Beschwerde den folgenden Aufsichtsbehörden melden:

Finanzmarktaufsicht Liechtenstein (FMA)
Beschwerden können der FMA wie folgt mittgeteilt werden:

  • Per Post: Finanzmarktaufsicht Liechtenstein, Landstrasse 109, Postfach 279, 9490 Vaduz, Liechtenstein
  • Per E-Mail: vasb@szn-yv.yv

Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
Beschwerden können der BaFin wie folgt mitgeteilt werden:

  • Per Post: Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Graurheindorfer Str. 108, 53117 Bonn, Deutschland
  • Per E-Mail: cbfgfgryyr@onsva.qr

Für eine effiziente Bearbeitung sollte die Beschwerde folgende Angaben enthalten:

  • Zur Beschwerde einzureichenden Person: Vorname und Name, Kontakt (Adresse, Telefonnummer, E-Mail-Adresse).
  • Zu den involvierten Personen: Vorname und Name oder Firma des beaufsichtigten Finanzintermediärs / Beaufsichtigten; Adresse; Art der Beziehung (Kunde, Interessent etc.)
  • Zum Gegenstand (Worum geht es?): Beschreibung des Sachverhalts; Grund der Beschwerde; Allfällige Unterlagen (Korrespondenz, Verträge, Produktinformationen, Werbematerial etc.)

 

Regional restrictions

Unless explicitly stated otherwise, the information here described address corporate customers domiciled in Italy. Products are mainly sold through specialized insurance brokers.

Your satisfaction with our services is important for us!

We therefore take your suggestions, comments and complaints very seriously. The quickest way to address any concerns is to contact your relationship manager or usual contact person.

How to file complaints and resolve disputes

 

  • To the insurance Company

    For any complaint relating to the Insurance contract, the complainant may apply directly in writing (by post, fax or e-mail) to the Company's Complaints Department:

    Elips Life Ltd.
    (Complaints Office)
    Via San Prospero, 1 - 20121 Milan, Italy
    Fax: +39 02 82 958909
    e-mail: erpynzv@crp.ryvcfyvsr.pbz

    specifying in writing and in detail the reasons and facts invoked. The Company will reply to the complainant within and no later than 45 (forty-five) days from receipt of the complaint.

     

  • To IVASS (italian Authority)

    If the complainant is not satisfied with the outcome of the complaint or if no response is received within 45 days, the complainant may write to:

    IVASS - Consumer Protection Service
    Via del Quirinale, 21 - 00187 Rome.
    The complaint must be sent to IVASS by post or by fax to 06.42.133.206.
    The complaint may also be submitted via PEC to the certified email address ghgryn.pbafhzngber@crp.vinff.vg.
    The following complaint form can be used: http://www.ivass.it/ivass_cms/docs/F2180/Allegato2_Guida ai reclami.pdf
    Info on: www.ivass.it.

     

  • To FMA (Liechtenstein Authority)

    Complaints that may be addressed to IVASS, may also be addressed to the Supervisory Authority of the Company's country of origin (Liechtenstein),  namely, in accordance with its provisions, to the
    Financial Market Authority (FMA) of Liechtenstein
    Landstrasse 109, Postfach 279
    9490 Vaduz, Liechtenstein
    Phone +423 236 7373 - Fax +423 236 7374 - Email: vasb@szn-yv.yv

Please note that in the event that the complaint is not or only partially upheld, the right to appeal to the Judicial Authorities shall remain unaffected.

Before going to Court, alternative dispute resolution systems may be used:

  • Mediation: by contacting a Mediation Body among those listed by the Ministry of Justice, which can be consulted at www.giustizia.it (Law 9/8/2013, no. 98).
  • Assisted Negotiation: By requesting your lawyer to the company.
  • Other alternative dispute resolution systems: For the resolution of cross-border disputes, the complaint may be submitted directly to the competent foreign system, i.e. the system of the country in which the insurance company that issued the contract is based (which can be found by accessing the website http://www.ec.europa.eu/fin-net) or to IVASS, which will forward it to the system and inform the complainant.

 

Regional restrictions

Unless explicitly stated otherwise, the information and products described here address corporate customers domiciled in the Netherlands. Products are only sold through specialised insurance brokers.

Your satisfaction with our services is important for us!

We would like to hear if you are satisfied with our services, but of course also if you are not. Please contact your relationship manager or your usual contact person at elipsLife. We take your suggestions, comments and complaints very seriously.

Can't we figure it out together? Then email your complaint (mention the reference number in your email) to xynpugra@ryvcfyvsr.pbz. Or send your complaint by post (mention the reference number in your letter) to:

Elips Life AG
Attn. the management
PO Box 282
2130 AG Hoofddorp


You will receive a substantive response to your complaint within 10 working days.

Our ambition is to take away your concerns. If you are not satisfied with our response, you can report your complaint to Kifid. You will also find tips for writing a complaint letter on the Kifid website.

What is Kifid?

Kifid is the abbreviation of the Complaints Institute for Financial Services. The complaints institute investigates whether the complaint is correct and what should be done. Kifid will handle your complaint independently and impartially. You can read everything about Kifid at www.Kifid.nl.

When do you report a complaint to Kifid?

You can contact Kifid if it appears that we cannot resolve your complaint. You must do this within 3 months after you have been informed of our position. Filing a complaint costs nothing. It is important to first see whether they can handle your complaint. You do this via the rapid test. You can find this rapid test at www.Kifid.nl.

What does Kifid do for you?

If Kifid can handle your complaint, they will mediate between you and the financial service provider. If this mediation is not successful, the Disputes Committee will make a decision. Please note that this may take some time.

You will find a lot of information on the Kifid website. Including about the internal complaints procedure of a financial service provider.

How can you reach Kifid?

Kifid
Postbus 93257
2509 AG Den Haag
email address: consumenten@kifid.nl
A complete overview of the contact details can be found here: Contact - Kifid

The website www.elipsLife.com is the Internet site of Elips Life Ltd and Elips Insurance Ltd (hereinafter referred to as “elipsLife”). By accessing the website, you acknowledge and accept the following conditions:

Regional restrictions

Unless explicitly stated otherwise, the information and products described here address corporate clients domiciled in Ireland. Products are only sold through specialised insurance brokers.

 

Exclusion of warranty and liability

Although the information published on this website is reviewed and updated regularly, elipsLife cannot offer any assurances or guarantees concerning the completeness, accuracy and relevance of the information. For binding information, please refer to our General Conditions of Insurance.

 

This website is used at the user’s own risk. To the extent possible under the applicable law, elipsLife exclude any liability for loss or damage arising from or related to accessing or using this website (or the inability to access or use this website).

 

Linked websites

elipsLife’s website may contain links to third-party websites. As elipsLife cannot check or determine their content, we do not accept any liability for their content, products and service offers or other offers, or for their compliance with the provisions of data protection legislation.

 

Copyright

All features of this website, in particular photos, graphs, texts, etc., are protected by copyright, with elipsLife owning all property rights. The website content or parts thereof may be downloaded, printed, copied, saved and edited for personal use only.

 

Right to make changes

elipsLife reserve the right to change this website at any time without prior notice.

 

Your satisfaction with our services is important to us!

We therefore take your suggestions, comments and complaints very seriously. The quickest way to address any concerns is to contact your advisor or usual contact person. You can also write to us at:

Elips Life Ltd, Irish branch office
134/135 Lower Baggot Street, 
Dublin 2, D02 HN29
Ireland
pbzcyvnapr@ryvcfyvsr.pbz

 

What you can expect from us

We will record your complaint and do all we can to resolve it by the end of the next business day. Some complaints take longer to resolve. If this is the case, we will let you know we are looking into your complaint and when you can expect to hear from us again.

 

Resolving your complaint

We are committed to resolving your complaint as soon as possible, but definitely within two weeks. If your complaint will take longer than two weeks to resolve, we will write to you at that time to explain why there is a delay. Once we have thoroughly looked into your complaint, we will send you our final response, informing you of what we found out, about our decision and, if applicable, what we plan to do.

 

If you are not happy with the outcome

In the unlikely event that we are unable to resolve your complaint, you may be entitled to refer your complaint to the following supervisory authorities and independent statutory officer:

 

Financial Market Authority (FMA) Liechtenstein

Complaints can be sent to the FMA as follows:

  • Postal address: Finanzmarktaufsicht Liechtenstein, Landstrasse 109, Postfach 279, 9490 Vaduz, Liechtenstein
  • E-mail: info@fma-li.li

Financial Services and Pensions Ombudsman 
Complaints can be sent to the FSOB as follows:

 

Statement on Engagement

Statement on Engagement and Shareholder participation as at 1st July 2023

Scope
With its headquarter in Ruggell, Elips Life Ltd. is authorised in Liechtenstein and adheres to the Persons and Companies Act (hereinafter: "PGR") of Liechtenstein.

Applicable Law
In Liechtenstein, the second Shareholder Rights Directive of the European Union (ARUG II, Directive (EU) 2017/828) has been transposed into domestic law via the PGR. Elips Life Ltd. (hereinafter: "Elips Life") is a company which conducts life insurance business in Liechtenstein and thus qualifies as an institutional investor pursuant to Art. 367a PGR. Pursuant to Art. 367h PGR, Elips Life is obliged to either publish its participation policy regarding participations in listed companies on its website or to publicly explain why it has decided not to do so (comply or explain). In the case of participation in listed companies, a distinction must be made between a) the management of shares in the company's own portfolio and b) those shares which Elips Life holds for the account and risk of the policyholder(s) within the scope of unit-linked and unit-linked life insurance or pension insurance solutions.

Information according to art. 367h PGR – participation policy
Elips Life does not directly invest in securities and does not provide or engage in regulated investment activities. Elips Life also did not hold any equity investments as at 31 December 2023.

Elips Life does not hold any shares in its own portfolio, either directly or indirectly, and does not plan to invest in this asset class in the near future.

For the aforementioned reasons, a participation policy within the meaning of Art. 367h para 1 PGR is not adopted and not exercised by Elips Life. Information in this regard in the sense of Art. 367h para 2 PGR is therefore omitted.

Information pursuant to Art. 367i PGR Investment strategy and agreements with asset managers
Elips Life relies on Swiss Life Asset Managers France which is a portfolio management company under the supervision of the French financial market supervisory authority (Autorité des Marchés Financiers) inter alia authorised to manage assets on behalf of third parties. As part of its main responsibilities, Swiss Life Asset Managers establishes the Swiss Life Group's investment strategy and long-term investment views;  manages and oversees the investment assets and related processes; provides investment and operational services to the Group, Business Divisions and legal entities, as well as support and advise on strategic projects, transactions and portfolio management.  The strategic mandate given to Swiss Life Asset Managers is comprised of the management of the investment assets generated through the activities of Elips Life and advising Elips Life where appropriate.

Swiss Life Asset Managers’ objective is to maximise risk-adjusted performance in line with targets set at Group and entity levels. Swiss Life Asset Managers also considers other objectives and constraints specific to each entity with respect to investments to define the optimal asset allocation under the defined Group investment strategy.

There is no incentivisation of the asset manager. Swiss Life Asset Managers provides support and advice regarding changes to the entity Strategic Asset Allocation (“SAA”). The guidance is given according to the characteristics of the entity’s underlying re/insurance liabilities to achieve defined financial and risk objectives which are based predominantly on a long-term market outlook.

The Swiss Life Asset Managers governance framework governs the investment decision process.

The arrangement with the Swiss Life Asset Managers is ongoing.

 

 

Privacy Policy

Medical assessment

Edition 03.2024

It is a central concern of elipsLife that your data is handled responsibly. In this privacy policy, we explain how and for what purpose we process your personal data with regards to the processing of benefit cases and what rights you have in this context.

1. Data controller
The data “controller” is Elips Life Ltd, Industriestrasse 56, 9491 Ruggell, Liechtenstein and its branch offices (collectively “elipsLife” or “we” or “us”).
Should you have any questions regarding this information or how elipsLife processes your personal data, please contact our Data Protection Officer at pbzcyvnapr@ryvcfyvsr.pbz.

2. General data provision
The processing of your data is essential for the medical assessment. If you do not provide us with your personal data, it will not generally be possible to insure the requested benefits or such insurance will be limited to the legal minimum.

3. Procurement, storage, use and deletion of data by elipsLife
To the extent necessary for the medical assessment, elipsLife procures, stores and uses the personal data provided by you for the purpose of the medical assessment. This comprises information regarding your health as well as information that elipsLife obtains, with your consent, from medical service providers (doctors, hospitals, physiotherapists, etc.) and other insurers (disability insurance, unemployment insurance, military insurance, occupational benefits institutions, private insurance, etc.). elipsLife uses this information for medical assessments and quality assurance. The data concerning this medical assessment is stored electronically at elipsLife and deleted after expiry of the legally prescribed archiving obligation.

4. Disclosure to entities outside elipsLife
4.1 Forwarding of data to medical experts
To complete the medical assessment, it may be necessary to consult medical experts. In this case, elipsLife will forward your personal data to medical experts to the extent necessary for the medical assessment and for as long as your data is used there for this purpose and until the results are sent back to elipsLife. The persons working for elipsLife and the experts are released from their duty of confidentiality with regard to this data.

4.2 Assignment of tasks to other entities (organisations or persons)
elipsLife may delegate certain tasks, such as contract administration or claims processing, which may involve the collection, processing or use of your personal data, to third parties. These may be either affiliated Group companies or other entities in Switzerland or the European Economic Area (EEA). According to the Federal Council, these states guarantee secure and trustworthy data protection.

elipsLife may also engage any third parties for the provision of other services. A current list can be found on the internet at www.elipslife.com/en/che/Downloads.

4.3 Forwarding of data to reinsurers and co-insurers
To ensure the fulfilment of our obligations, elipsLife has concluded contracts with reinsurance companies that assume the risk in whole or in part, or a specific risk is insured jointly with a co-insurer. In addition, it is possible for the reinsurer to support elipsLife due to its special expertise in carrying out medical assessments and evaluating procedures. To enable the reinsurer and any co-insurer to form their own opinion of the medical assessment, elipsLife may submit documents relating to your medical assessment to the reinsurer or co-insurer. This is the case in particular if the total sum of the benefits to be insured is high.

4.4 Forwarding of data to your employer and its insurance broker
elipsLife does not disclose any information about your diagnosis to your employer or its insurance broker. However, if required for processing the insurance contract with your employer, your employer may obtain information about whether you were accepted by the employee benefits institution and, if so, under what conditions.

5. Consultation of personal data held by third parties
To complete the medical assessment, it may be necessary to request information from persons or organisations that have access to your health data and other sensitive personal data (e.g. doctors, hospitals or other insurers). The retrieval of this information generally also requires personal data to be disclosed to the appropriate units. elipsLife will not inform you separately about obtaining information from third parties for the purpose of the medical assessment. However, you can request information at any time about which of your personal data is processed.
Requests will only be made to those persons or organisations with access to information relevant to the medical assessment and only to the extent necessary for the medical assessment.

6. Your rights
You have certain rights as defined by the relevant legal conditions and framework. You have the right:
1. To request information from us as to whether and which data we process about you;
2. To request that your data be corrected by us if it is inaccurate;
3. To request that we delete your data if we are not obliged or entitled to process it further;
4. To object to our processing of your data (this generally makes it impossible to provide services);
5. To ask us to hand over certain personal data in a conventional electronic format or transfer the data to another controller.

If you wish to exercise your data protection rights, please contact us in writing at pbzcyvnapr@ryvcfyvsr.pbz or by post (Elips Life Ltd, Compliance, Industriestrasse 56, LI-9491 Ruggell).
If you are not satisfied with the information provided, you can also contact the Federal Data Protection and Information Commissioner (FDPIC), Feldeggweg 1, 3003 Bern (e-mail: info@edoeb.admin.ch) or the Data Protection Office (DSS), Städtle 38, P.O. Box 684, LI-9490 Vaduz (e-mail: info.dss@llv.li).

7. Updating our privacy policy
elipsLife reserves the right to modify this privacy policy without prior notice to take account of current statutory provisions and changed business procedures. We will actively inform persons whose contact details are registered with us about major changes as and when they occur, provided this is possible without disproportionate effort. As a general rule, the data protection declaration in its current version at the start of processing applies for data processing. This data protection declaration does not form part of the contract.

Last update: March 2024


 

Processing of benefit cases

Edition 03 2024

It is a central concern of elipsLife that your data is handled responsibly. In this privacy policy, we explain how and for what purpose we process your personal data with regards to the processing of benefit cases and what rights you have in this context.

1. Data controller
The data “controller” is Elips Life Ltd, Industriestrasse 56, 9491 Ruggell, Liechtenstein and its branch offices (collectively “elipsLife” or “we” or “us”).
Should you have any questions regarding this information or how elipsLife processes your personal data, please contact our Data Protection Officer at pbzcyvnapr@ryvcfyvsr.pbz.

2. General data provision
The processing of your data is essential to assess the claim. If you do not provide us with your personal data, it will not generally be possible to provide services.

3. Procurement, storage, use and deletion of data by elipsLife
To the extent necessary for the assessment of benefits and the provision of services, elipsLife procures, saves and uses the personal data communicated by you in this claim and in the future. This comprises information regarding your health as well as information that elipsLife obtains, with your consent, from medical service providers (doctors, hospitals, physiotherapists, etc.) and other insurers (disability insurance, unemployment insurance, military insurance, occupational benefits institutions, private insurance, etc.). In connection with the provision of services, this may also include information that elipsLife requires for the payment of benefits (account details etc.). elipsLife uses this information to review the claim, to provide services, if necessary to reclaim benefits from other compulsory insurance providers and for quality assurance. The data concerning your claim is stored electronically at elipsLife and deleted after expiry of the legally prescribed archiving obligation.

4. Disclosure to entities outside elipsLife
4.1 Forwarding of data to medical experts
It may be necessary to consult a medical expert to review your claim. In this case, elipsLife will forward your personal data to medical experts to the extent necessary to review the obligation to pay benefits and for as long as your data is used there for this purpose and until the results are sent back to elipsLife. The persons working for elipsLife and the experts are released from their duty of confidentiality with regard to this data.

4.2 Assignment of tasks to other entities (organisations or persons)
elipsLife may delegate certain tasks, such as contract administration or claims processing, which may involve the collection, processing or use of your personal data, to third parties. These may be either affiliated Group companies or other entities in Switzerland or the European Economic Area (EEA). According to the Federal Council, these states guarantee secure and trustworthy data protection.
elipsLife may also engage any third parties for the provision of other services. A current list can be found on the internet at www.elipslife.com/en/che/Downloads.

4.3 Forwarding of data to reinsurers and co-insurers
To ensure the fulfilment of our obligations, elipsLife has concluded contracts with reinsurance companies that assume the risk in whole or in part, or a specific risk is insured jointly with a co-insurer. In addition, it is possible for the reinsurer to support elipsLife due to its special expertise in assessing benefits and evaluating procedures. To enable the reinsurer and any co-insurer to form their own picture of the insured event, elipsLife may submit documents relating to your claim to the reinsurer or co-insurer. This is particularly the case if the total benefits are high.
If the reinsurers have assumed the hedging of the risk, they can check whether elipsLife has correctly assessed a claim. Data on existing contracts may be passed on to reinsurers in order to process premiums and claims. When forwarding this information, elipsLife endeavours to anonymise personal data for the aforementioned purposes as far as possible. However, personal data is also used in individual cases. These will only be used by the reinsurers for the aforementioned purposes.

4.4 Forwarding of data to your employer and its insurance broker
elipsLife does not disclose any information about your diagnosis to your employer or its insurance broker. However, to the extent necessary for processing the insurance contract with your employer, the latter may receive information as to whether and under what conditions elipsLife provides benefits (e.g. regarding our obligation to pay benefits, the duration and degree of incapacity to work/disability or the status of the benefit assessment).

4.5 Passing on to any subsequent insurer
Your employer can change insurer. Claims which are still pending at the time of the change will as a rule be taken over by the new insurer. In these cases, all information relating to a claim is transmitted to the new insurer.

4.6 Passing on to other insurers
Insofar as elipsLife is legally obliged, as is generally the case with state and mandatory insurance or multiple insurance, or if you expressly authorise them, elipsLife will also disclose information regarding your claim to benefits to other insurance companies involved.

5. Consultation of personal data held by third parties
In order to assess the obligation to provide benefits, it may be necessary to request information from bodies that have your health data and other sensitive personal data (e.g. doctors, hospitals or other insurers). The retrieval of this information generally also requires personal data to be disclosed to the appropriate units. In addition, in order to review the obligation to pay benefits, it may be necessary for elipsLife to review the information about your health situation that you have provided to justify claims or that results from documents submitted (e.g. invoices, ordinances, expert reports) or communications, e.g. from a doctor or other member of a healthcare profession. elipsLife will not inform you separately about obtaining information from third parties for the purpose of the medical assessment. However, you can request information at any time about which of your personal data is processed.
Only those persons or entities which have information relevant to the claim will be asked and only to the extent necessary for the review of the obligation to pay benefits.

6. Data processing in case management
Data acquired, stored or used as part of case management is processed exclusively by case management and is only accessible to it. Your personal data will only be passed on to third parties with your express consent. This applies in particular to protocols and associated reintegration plans, which we draw up as part of discussions in which you also take part, with employers, doctors, therapists and other parties involved. The recipients of this data are listed in the distribution list of the minutes and include the parties involved, the disability insurance (IV) and the benefits department of elipsLife.

7. Your rights
You have certain rights as defined by the relevant legal conditions and framework. You have the right:
1. To request information from us as to whether and which data we process about you;
2. To request that your data be corrected by us if it is inaccurate;
3. To request that we delete your data if we are not obliged or entitled to process it further;
4. To object to our processing of your data (this generally makes it impossible to provide services);
5. To ask us to hand over certain personal data in a conventional electronic format or transfer the data to another controller.
If you wish to exercise your data protection rights, please contact us in writing at pbzcyvnapr@ryvcfyvsr.pbz or by post (Elips Life Ltd, Compliance, Industriestrasse 56, LI-9491 Ruggell).
If you are not satisfied with the information provided, you can also contact the Federal Data Protection and Information Commissioner (FDPIC), Feldeggweg 1, 3003 Bern (e-mail: info@edoeb.admin.ch) or the Data Protection Office (DSS), Städtle 38, P.O. Box 684, LI-9490 Vaduz (e-mail: info.dss@llv.li).

8. Updating our privacy policy
elipsLife reserves the right to modify this privacy policy without prior notice to take account of current statutory provisions and changed business procedures. We will actively inform persons whose contact details are registered with us about major changes as and when they occur, provided this is possible without disproportionate effort. As a general rule, the data protection declaration in its current version at the start of processing applies for data processing. This data protection declaration does not form part of the contract.

Last update: March 2024

Website users

Edition 03.2024

It is a central concern of elipsLife that your data is handled responsibly. In this privacy policy, we explain how and for what purpose we obtain and process your personal data that we collect via the elipsLife website, www.elipsLife.com, and associated services (hereinafter also referred to as the “website”) and which statutory data protection rights you have.

1. Data controller
The data “controller” is Elips Life Ltd, Industriestrasse 56, 9491 Ruggell, Liechtenstein and its branch offices (collectively “elipsLife” or “we” or “us”). Elips Life Ltd is part of the International division of the Swiss Life Group.
Should you have any questions regarding this information or how elipsLife processes your personal data, please contact our Data Protection Officer at pbzcyvnapr@ryvcfyvsr.pbz.

2. What data we collect when you use our website
When you access our website, elipsLife collects the following data:
- Your contact details, such as name, address, telephone number and e-mail address
- Information you can give us when you contact us
- If you accept cookies, please read our Cookie Policy

3. Cookies, web tracking and similar technologies
When you visit our website, we automatically collect information such as your IP address (the unique address that identifies your device from all others on the internet), the type of device you use (e.g. tablet, phone or PC), and cookies from your device.
Our website contains web technologies that collect information from your movements on our website and the information you enter. We use this information to improve the design of our website and the services we provide to you by improving the customer experience.
Cookies are also used to compile anonymous website usage statistics, prevent fraud and measure the effectiveness of our services.
For more information about cookies and web tracking, see our Cookie Policy.

4. For what purposes we use your data
Together with carefully selected third parties, we collect and use your data to comply with our legal obligations and use it for the following legitimate business purposes:
- To communicate with you about products you own or services you use;
- To detect and prevent fraud and other criminal offences;
- To verify your identity when you contact us or use our services;
- To find out your views on our services;
- To conduct statistical analyses and to develop and improve the products and services we offer;
- To operate, test and secure our IT systems, offices and facilities;
- To maintain our accounts and records;
- To investigate and handle complaints and to answer queries.
We keep the amount of data collected and the extent of processing to the minimum required to fulfil these legitimate business purposes.

5. Retention period
Your data will only be retained for as long as it is necessary to fulfil the purposes for which it was collected and as long as we are legally or contractually obliged to retain it.

6. Parties with whom we share data
As required, we will only pass on your personal data as follows:
- to other Swiss Life International companies or companies affiliated to us
- to affiliated companies, including reinsurance companies, and our other suppliers and service providers (for the services offered to us; see the list of service providers)

7. Where we transfer data to
elipsLife may also transfer your data to other countries of the European Economic Area (EEA). According to the Federal Council, these states guarantee secure and trustworthy data protection.

8. Automated decision-making and profiling
We do not carry out any profiling or make automated decisions for the users of our website.

9. Your rights
You have certain rights as defined by the relevant legal conditions and framework. You have the right:
1. To request information from us as to whether and which data we process about you;
2. To request that your data be corrected by us if it is inaccurate;
3. To request that we delete your data if we are not obliged or entitled to process it further;
4. To object to our processing of your data (this generally makes it impossible to provide services);
5. To ask us to hand over certain personal data in a conventional electronic format or transfer the data to another controller.
If you wish to exercise your data protection rights, please contact us in writing at pbzcyvnapr@ryvcfyvsr.pbz or by post (Elips Life Ltd, Compliance, Industriestrasse 56, LI-9491 Ruggell).
If you are not satisfied with the information provided, you can also contact the Federal Data Protection and Information Commissioner (FDPIC), Feldeggweg 1, 3003 Bern (e-mail: info@edoeb.admin.ch) or the Data Protection Office (DSS), Städtle 38, P.O. Box 684, LI-9490 Vaduz (e-mail: info.dss@llv.li).

10. Updating our privacy policy
elipsLife reserves the right to modify this privacy policy without prior notice to take account of current statutory provisions and changed business procedures. We will actively inform persons whose contact details are registered with us about major changes as and when they occur, provided this is possible without disproportionate effort. As a general rule, the data protection declaration in its current version at the start of processing applies for data processing. This data protection declaration does not form part of the contract.

Last update: October 2023

Data Protection

Data Protection Privacy Notice

elipsLife appreciates your visit to this website ("elipsLife website") and your interest in our services and products. Data security and protection of your privacy is important to us, and we want you to feel comfortable visiting our site.

Please read the following carefully to understand how elipsLife collects and uses your personal data. By accessing the elipsLife Website you acknowledge our Data Protection Privacy Notice (“Notice”).


This Notice may be updated from time to time. We therefore ask you to consult it on a regular basis. The last line of this Notice below indicates when the Notice was last updated.

1. What is the purpose and the scope of this Notice
Elips Life Ltd and Elips Insurance Ltd, and their branches (hereinafter referred to as "elipsLife" or "We") are committed to safeguarding the personal information we collect from individuals who use the elipsLife website. Accordingly, elipsLife has developed this Notice to describe how and what type of data will be collected from users of the elipsLife website and the purposes for which elipsLife may collect, share or disclose the data. elipsLife also outlines reasonable precautions which are taken to keep your data secure.

This Notice applies to any information obtained by elipsLife through your use of the elipsLife website. It is not applicable to any internet websites controlled by third parties not affiliated with elipsLife to which the elipsLife website may link ("Third-Party Sites"). Please review the privacy statements of Third-Party Sites as elipsLife is not responsible for and has no influence on the content or the privacy practices of Third-Party Sites.

The terms of this Notice are subject to any additional terms of disclaimers or other contractual terms you have entered into with elipsLife such as client privacy notices, and any applicable mandatory laws and regulations.

Any personal data provided to or gathered through this website is controlled by Elips Life Ltd and Elips Insurance Ltd, Gewerbeweg 15, LI-9490 Vaduz ("elipsLife"). When processing your personal data, elipsLife strictly adheres to the respective applicable national regulations in the field of data protection and the General Data Protection Regulation (“GDPR”). elipsLife observes the following principles.

2. Which data we collect and process
elipsLife may collect and process the personal data you provide, as a user of the Internet and of our website:
• when browsing our website (see par. 2.1.)
• when registering on our website restricted area (see par. 2.2.)
• when applying to an open job position
• when raising a complaint
• when registering for our newsletter
• when reporting a problem with our website
• when requesting information about our company or products and services
• when completing surveys we use for research purposes

2.1. Collection of access data and IP addresses
When visiting our website, our web server routinely stores technical data, such as the operating system used, the browser you use, as well as the date, time and duration of your visit, the website that linked you to our website or you accessed our website.

We do not collect and store your Internet protocol address (IP address).

No personal data is captured except for data provided to us voluntarily, for example, when you use the online premium calculator. Technical data is stored separately from personal information on secure systems. No conclusions are drawn about the identity of individual persons. Such data is used anonymously and for statistical purposes only (e.g., the number of visitors, from where visitors have come to the website and the pages they visited).

2.2. Open access and closed user groups
As a user of the internet, you have unrestricted access to all public areas of elipsLife website. Access to restricted areas is reserved for users with special authorizations (e.g., clients, distributors and other closed user groups).

2.3. E-mail traffic
The unencrypted transmission of data by e-mail is neither secure nor suitable for exchanging personal data or other confidential information. If you should disclose personal data by e-mail without taking the necessary security precautions, elipsLife cannot exclude the possibility that unauthorized third parties may access this information and collect, use or falsify the data without your consent. If you should, nevertheless, contact elipsLife by way of unencrypted e-mails, we will assume you explicitly wish to communicate with us in this manner. In this case, you accept that we may reply to your unencrypted e-mails in the same manner or transmit the requested information in unencrypted format. If you contact us, we may keep a record of that correspondence.

3. How we use data and information
When processing your personal data, elipsLife complies with data protection applicable laws and regulations. We use the data and information held about you in the following ways:
• Information you give to us: elipsLife will use this data to carry out its obligations arising from any contracts entered into between you and us, to provide you with the information, products and services you request from us, to respond and manage a complaint you might raise, to manage a job selection you applied for, to notify you about changes to or to make suggestions and recommendations that may interest you about our range of products or services, or to ensure content from our site is presented in the most effective manner for you and for your computer.
• Information we collect about you: elipsLife will use this information to administer its website, to improve it and to keep it safe and secure; for internal operations (e.g., troubleshooting, data analysis, testing, research, statistical and survey purposes); to measure or understand the effectiveness of advertising; to make suggestions and recommendations about goods or services that may interest you.
• Information we receive from other sources: elipsLife may combine this information with the information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above.

4. How we process and store data and information
Data will be processed manually or by means of IT and telematics supports, in a strictly related way to the above-mentioned purposes and, in any case, in compliance with the security measures necessary to prevent unauthorized access, loss or destruction, also accidental, and in general the illicit handling of data, in accordance with current regulations.

elipsLife retains your personal data for so long as is necessary with regard to the purposes for which they were collected or lawfully further processed, or for so long as may be necessary in light of our legal obligations.

5. How we share data and information
For the purpose above, the following subjects might process your personal data, in their capacity of external data processor or, when allowed by the applicable laws, in their capacity of autonomous data controllers:
• professionals, consultants or provider of instrumental services or services that can be of support for elipsLife (e.g., IT service providers, head hunters, experts, consultants, etc.)
• subjects carrying out related and instrumental activities (e.g., storage, management, data archiving and destruction, customer support activities like call center and help desk, etc.)
• other company belonging to Swiss Re Group
• other subjects to whom the communication of data is mandatory by law

In addition, for the purposes above, in their capacity of responsibles or persons in charge of the processing, the employees and/or associates of elipsLife involved in the respective duties might process your data in accordance with the instructions given by elipsLife. The personal data processed are not subject to disclosure.

Your personal data can be transferred abroad but only in the European Union (EU) and/or in the European Economic Area (EEA) Countries and/or in Countries that provide an adequate level of protection as identified by the European Commission.

6. Data security
elipsLife takes all the required technical and organizational measures to reliably protect your data against loss, destruction, distortion, manipulation, unauthorized copying, unauthorized access and other illegal acts of data processing. Data can nevertheless be lost or intercepted and/or manipulated by unauthorized parties during the transmission process. As your computer or mobile device falls outside the security zone that can be controlled by elipsLife, elipsLife does not accept any responsibility for data security or data protection when data is being transmitted over the internet. It is the user's responsibility to determine the necessary security precautions and initiate the required measures. elipsLife can only guarantee that your data enjoys the warranted protection from the time when the data is received by us.

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies, and we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

7. Cookie policy
elipsLife uses what is known as cookies to make its website as user-friendly as possible.

A cookie is a small file of letters and numbers stored on your browser or the hard drive of your computer, if you agree. Cookies contain information that is transferred to your computer’s hard drive.

elipsLife uses the following cookies:
• Strictly necessary cookies: Cookies that are required for the operation of our website (e.g., to log into secure areas)
• Analytical/performance cookies: Cookies that allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works
• Functionality cookies: Cookies used to recognize you when you return to our website. This enables us to personalize our content for you, greet you by name and remember your preferences (e.g., your choice of language or region).
• Targeting cookies: Cookies that record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

Third-party cookies
Our website will set several types of third-party cookies, and we do not control the operation of any of them. The third-party cookies that may be set include:

Google Analytics – elipsLife uses Google Analytics, a web analytics service that sets a cookie to evaluate your use of our website and compile reports for us. Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Data of the website users are pseudonymized before the submission. You can view the Google Privacy Policy here: https://policies.google.com/privacy?hl=en.

Google Tag Manager – elipsLife uses Google Tag Manager to collect to quickly and easily update tags and code snippets on its website. Collected data do not include personally identifiable information. Data of the website users are pseudonymized before the submission. You can view the Google Privacy Policy here: https://policies.google.com/privacy?hl=en

ISSUU and YouTube – To support its website, elipsLife sometimes embeds photos, publications and video content from websites such as ISSUU and YouTube. As a result, when you visit a page with content embedded from ISSUU and YouTube, you may be presented with cookies from these websites. elipsLife does not control the dissemination of these cookies. You should check the relevant third-party Privacy Policies for more information here:
ISSUU https://issuu.com/legal/privacy
YouTube https://www.youtube.com/static?template=privacy_guidelines

Visual Website Optimizer – elipsLife uses Visual Website Optimizer cookies to run campaigns and to track user information. The cookies keep track of the variation a user has viewed, and helps to serve the same variation to the user consistently, track goals completed by the user, and determine whether a user is part of a campaign. You can view the VWO here: https://vwo.com/privacy-policy/

Depending on the type of browser you use, you can also configure your cookie settings: You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

For details on how to configure your browser, please go to the "Help" menu section of your internet browser or set your mobile devices.

By way of example:

- Internet Explorer: https://support.microsoft.com/en-us/help/17442/windows-internet-explorer-delete-manage-cookies
- Chrome: https://support.google.com/chrome/answer/95647?co=GENIE.Platform%3DDesktop&hl=en
- Safari: https://support.apple.com/kb/PH21411?viewlocale=en_GB&locale=en_GB
- Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences

8. Your rights
You have the right to obtain, in any moment:
• the confirmation of the existence or nonexistence of your personal data, even if not yet registered, and their communication in an intelligible form;
• the content and the origin of personal data, the purposes and methods of processing, as well as the logic applied when processing by means of electronic means;
• the identification details of the data processors and data controllers, as well as of the subjects or categories of subjects to whom your data may be communicated or to whom they may be disclosed;
• the updating, rectification, integration of your data as well as the deletion, anonymization or blocking of the data processed in violation of law, including those that are not required to be retained in relation to the purposes for which the data has been collected or subsequently processed or to oppose in any case, for licit reasons, the processing of the data;
• the confirmation that those to whom the data have been communicated have been informed about the operations above, except in the case where such fulfillment is impossible or involves a job of means manifestly disproportionate to the protected right
• a copy of the complete data processor list

California residents: To exercise your rights under the California Consumer Privacy Act relating to deletion, access or portability of your personal data, or any privacy-related questions, please contact at: contact.us@elipslife.com.

Should you have a request regarding the processing of your personal data please send it to the following address:

Elips Life Ltd / Elips Insurance Ltd
Data Protection Officer
Gewerbeweg 15
LI-9490 Vaduz
T: +423 239 95 55
F: +423 239 95 54
pbzcyvnapr@ryvcfYvsr.pbz

9. Complaints
Should you wish to discuss a complaint, please feel free to contact us using the details provided above. All complaints will be treated in a confidential manner.

Should you feel unsatisfied with our handling of your data, or about any complaint that you have made to us about our handling of your data, you are entitled to escalate your complaint to your competent data protection supervisory authority.

10. When was this Notice last updated?
This Notice was last updated in June 2020. We review this Notice regularly and reserve the right to make changes at any time to take account of changes in our business activities, legal requirements, and the manner in which we process personal data. We will place updates on this website and where appropriate we will give reasonable notice of any changes.

Cookie Policy

Imprint

Imprint

Elips Life Ltd
Gewerbeweg 15
9490 Vaduz


Elips Insurance Ltd.
Gewerbeweg 15
9490 Vaduz


T: + 42 3 239 95 55
pbagnpg@ryvcfyvsr.pbz


Statutory office of the companies:

Elips Life Ltd, Vaduz (FL): Commercial Register: FL-0002.304.360-5
Elips Insurance Ltd, Vaduz (FL): Commercial Register: FL-002.384.577-7
Elips Life Ltd, Vaduz, Zurich Branch: Commercial Register: CHE-341.472.987

Imprint

Responsible for content:
Elips Life Ltd, Irish branch office
134/135 Lower Baggot Street, 
Dublin 2, D02 HN29 
Ireland

Telephone: +353 (0) 196 10 140
compliance@elipslife.com

Branch Manager: Michael Marshall

Additional information:
Companies Registration Office number 908699
VAT number: 03482697QH

Information about Head Office:
Statutory seat: Elips Life AG, Gewerbeweg 15, 9490 Vaduz, Liechtenstein
Legal form: joint-stock company under Liechtenstein law
Commercial Registry Office: Vaduz
Commercial Register number: FL-0002.304.360-5
Registered share capital: CHF 12,400,000.00
Equity capital (total as at 31.12.2016): CHF 71,739,471.00
Sole shareholder: Swiss Re Life Capital Ltd (100% subsidiary of Swiss Re Ltd)

Supervisory authorities:
Financial Market Authority
Landstrasse 109
Postfach 279
9490 Vaduz
Liechtenstein

Telephone: +423 236 73 73
info@fma-li.li

Elips Life Limited Irish Branch is authorised by the Financial Markets Authority in Liechtenstein and is regulated by the Central Bank of Ireland for conduct of business rules.

Impressum / Anbieterkennzeichnung

Verantwortlich für den Inhalt:
Elips Life AG, Vaduz, Zweigniederlassung Deutschland
Köln Turm, Im Mediapark 8
50670 Köln
Deutschland

Telefon: +49 221 20 65 40 00
Fax: +49 221 20 65 40 09
E-Mail: pbzcyvnapr@ryvcfyvsr.pbz

Hauptbevollmächtiger der Deutschen Niederlassung:
Lucas Müller

Mitglieder des Vorstandes:
Julien Descombes (Vorstandsvorsitzender a.i.*)  
Kaspar Weiss
Patricia Mattle
Alex Kirk*
Albert Bakker
Claude Schwarz

*unter Vorbehalt der aufsichtsrechtlichen Genehmigung

Vorsitzender des Aufsichtsrats:
Andreas Berger

Weitere Angaben:
Registergericht: Köln
Registernummer: HRB 86744
Umsatzsteueridentifikationsnummer (USt.-Ident.-Nr.): DE815 626 322

Angaben zur Hauptniederlassung:
Statutarischer Sitz: Elips Life AG, Gewerbeweg 15, 9490 Vaduz, Liechtenstein
Rechtsform: Aktiengesellschaft liechtensteinischen Rechts
Registergericht: Vaduz
Registernummer: FL-0002.304.360-5
Eingetragenes Aktienkapital: CHF 12‘400‘000
Eigenkapital (per 31.12.2016): CHF 71‘739‘471
Alleinaktionär: Swiss Re Life Capital Ltd (100% Tochtergesellschaft der Swiss Re AG)

Zuständige Aufsichtsbehörden:
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
Graurheindorfer Str. 108
53117 Bonn
Deutschland
Telefon: 0228-4108-0
Fax: 0228-4108-1550
E-Mail: cbfgfgryyr@onsva.qr

Finanzmarktaufsicht Liechtenstein (FMA)
Landstrasse 109
Postfach 279
9490 Vaduz
Liechtenstein

Telefon: +42 (0) 3 236 73 73
Fax: +42 (0) 3 236 73 74
E-Mail: vasb@szn-yv.yv

Elips Life AG unterliegt der allgemeinen Aufsicht der Finanzmarktaufsicht Liechtenstein (FMA) in Liechtenstein und der eingeschränkten Rechtsaufsicht der Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).

Responsible for the content:

Elips Life Ltd, sede secondaria italiana

Via San Prospero 1 - 20121 Milano - Italy

T: +39 (02) 82 9589 00
Email:
pbagnggb.vg@ryvcfyvsr.pbz
Certified email address: <fcna fglyr="pbybe: #00o6r8;">ryvcfyvsr@crp.ryvcfyvsr.pbz</fcna>
Company Registration Number: MI - 2126819, Camera di Commercio Milano
Fiscal Code/ VAT number: 13733431004

Statutory seats:

Elips Life Ltd : Industriestrasse 56, 9491 Ruggell, Liechtenstein

Legal Form: joint-stock company
Company Registration Number: FL-0002-304.360-5
Registered share capital: CHF 12’400’000.00
Sole shareholder: Swiss Reinsurance Company Ltd, Zurich

Supervisory Authority for Elips Life Ltd. and Elips Insurance Ltd.:
Finanzmarktaufsicht Liechtenstein (FMA)
Landstrasse 109
Postfach 279
9490 Vaduz
Liechtenstein

T: +423 236 73 73
F: +423 236 73 74
Email:
<fcna fglyr="onpxtebhaq: juvgr; pbybe: #00o6r8;">vasb@szn-yv.yv</fcna>

Imprint

Elips Life AG
Industriestrasse 56
9491 Ruggell


T: + 423 239 95 55
contact@elipslife.com


Statutory office of the companies:

Elips Life AG, Ruggell: Commercial Register: FL-0002.304.360-5
Elips Life AG, Ruggell, Dutch branch in Hoofddorp: Kamer van Koophandel nummer: 51782987 

Imprint

Elips Life Ltd
Industriestrasse 56
9491 Ruggell

T: +423 239 95 55
pbagnpg@ryvcfyvsr.pbz


Statutory office of the companies:

Elips Life Ltd, Ruggell: Commercial Register: FL-0002.304.360-5
Elips Life Ltd, Ruggell, Swiss Branch in Zurich: Commercial Register: CHE-341.472.987

Imprint

Elips Life AG
Industriestrasse 56
9491 Ruggell


T: + 423 239 95 55
contact@elipslife.com


Statutory office of the companies:

Elips Life AG, Ruggell: Commercial Register: FL-0002.304.360-5
Elips Life AG, Ruggell, Dutch branch in Hoofddorp: Commercial Register: 51782987

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