General Terms and Conditions of Use & Privacy Policy of the platforms

Purpose
These General Terms and Conditions of Use (CGU) refer to the website www.groupemutuel.ch, as well as to all the platforms of Groupe Mutuel Services SA, Rue des Cèdres 5, 1919 Martigny, Switzerland (Groupe Mutuel), including GMnet and GMapp and the premium calculator. The protection of your personal data processed in relation to the platforms is governed by the Privacy Policy.
Gender
For the sake of readability, only the masculine gender is used in the different platforms. However, it refers to both men and women.
Copyright and intellectual property
The contents of Groupe Mutuel’s platforms are the intellectual property of Groupe Mutuel. They are protected by copyright and other intellectual property laws and agreements, subject to the rights of third parties. You must comply with these rights and you are not authorised to reproduce, transmit, publish or otherwise transfer, in whole or in part, the contents of Groupe Mutuel’s platforms, to modify or to use them for any public or commercial purpose, unless expressly indicated or provided for by the features of Groupe Mutuel's platforms. You are not allowed to breach any intellectual property rights, copyrights or other proprietary rights. You are not granted any rights, in particular with regard to company names, commercial protection rights such as patents, usage models or trademarks. Groupe Mutuel declines any obligation to grant such rights.

Therefore, you are allowed to share certain contents of Groupe Mutuel’s platforms via social networks such as Facebook, Twitter or LinkedIn, or via email, as long as the platforms of Groupe Mutuel contain dedicated buttons for this purpose (“social plug-ins”). Groupe Mutuel suggests that you check the Privacy Policy regarding data protection issues related to these features.

If you leave ideas or suggestions on the platforms, Groupe Mutuel has the right to use them free of charge for the development, improvement and sale of the products in its portfolio. Any suggestions or ideas will become the property of Groupe Mutuel.
Obligations of the user
When using Groupe Mutuel’s platforms, you are not allowed to:

offend public decency by the way you use the platforms;
transmit any contents containing viruses (Trojan Horses) or any other programme that may damage software;
introduce, save or send hyperlinks or objects for which you have no authorisation, in particular if these hyperlinks or objects violate privacy rights or are illegal;
distribute unsolicited advertisements or emails ("spam") or irrelevant virus alerts, or to participate in gambling, snowball systems, chain letters, pyramids or any other similar action.

Groupe Mutuel reserves the right to block access to its platforms at any time, in particular if you breach your obligations under these terms and conditions.

Responsibility of the user
As a user, you are responsible for your technical access to the platforms. Groupe Mutuel assumes no responsibility for the IT provider or for the hardware and software required to use the platforms.

Although Groupe Mutuel will take the necessary technical and organisational measures to secure the data made available to you, insufficient security measures on your devices may result in unauthorised access to your data. It is not excluded that a third party may access your devices without being identified when you connect to the platforms. Groupe Mutuel therefore recommends that you equip your devices with up-to-date protection software and protect them with a password when using a WLAN. It is also not recommended to identify yourself on the platforms via a public WLAN. The end device (computer, telephone, mobile, etc.) and/or the network you use are outside the control of Groupe Mutuel and may constitute a weak point. As a user, you accept the related risks. It is your responsibility to find out exactly what safety devices are required, which should be up to date, and to take the appropriate protection measures.

The login, password and authentication code used to connect to the platforms must be kept secret and protected against misuse by unauthorised persons. Although Groupe Mutuel takes appropriate organisational and technical measures in accordance with the law to protect your data from unauthorised handling, you are responsible for all consequences resulting from the misuse of its authentication keys by unauthorised persons, except in the event of gross negligence on the part of Groupe Mutuel. If there is reason to assume that unauthorised third parties are familiar with these authentication keys, you must change them immediately.

When you download documents from Groupe Mutuel’s platforms on to your own devices, you must ensure the security of the data they contain. Groupe Mutuel declines all responsibility as soon as a document leaves the computer systems of Groupe Mutuel or of one of its service providers.
Security
When becoming aware of a security risk, Groupe Mutuel reserves the right, at any time and without notice, to suspend its platforms. It assumes no responsibility for any resulting damages.
Disclaimer of guarantee
Groupe Mutuel strives to ensure that the information published on its platforms is reliable, accurate and comprehensive. However, Groupe Mutuel does not guarantee the accuracy, comprehensiveness or appropriateness of the said information for any purpose whatsoever. This information is subject to change at any time without notice. The information is made available for information purposes only and should under no circumstances be interpreted as constituting insurance or legal advice or any other form of advice binding Groupe Mutuel. You are advised to seek professional advice before making any insurance-related decisions.
Disclaimer of liability
Subject to the applicable law, Groupe Mutuel, as well as its members, directors, employees, subcontractors and auxiliary personnel, excludes any liability for your losses or damages of any kind whatsoever, in relation to accessing Groupe Mutuel's platforms and using their contents.

Groupe Mutuel is not liable for any direct or indirect damage caused to you by transmission errors, technical defects, disruptions, breakdowns, network overload, interruptions or any other technical error, subject to gross negligence.

Nor is Groupe Mutuel liable for any direct and indirect damage resulting from failure of the account user to comply with contractual obligations.

Under no circumstances shall Groupe Mutuel be held liable for any direct or indirect damage, in particular loss of revenue or damage to reputation.
Third party websites
Groupe Mutuel’s platforms may contain links to other websites monitored or made available by third parties. Groupe Mutuel offers no guarantee with regard to the information or material made available on these websites. By linking a third party’s website to its own platforms, Groupe Mutuel does not assume or accept any liability for the products or services offered through this website.
Applicable law and jurisdiction
The CGU and the use of Groupe Mutuel’s platforms are subject to substantive Swiss law, excluding any principles of conflict of law, subject to binding law. Any dispute relating to Groupe Mutuel's platforms or arising from their use shall be submitted to the exclusive jurisdiction of the competent courts in Martigny, subject to a possible binding jurisdiction.

Purpose
This Privacy Policy refers to the processing of data in connection with the platforms available at www.groupemutuel.ch and all other platforms of Groupe Mutuel Services SA, Rue des Cèdres 5, 1919 Martigny, Switzerland (Groupe Mutuel). The use of these platforms is governed by the general terms and conditions of use (CGU).

This Privacy Policy does not refer to third party websites, nor to the processing of the personal data that you have transmitted to Groupe Mutuel or that Groupe Mutuel has collected from you other than through the platforms.

Groupe Mutuel reserves the right, at its sole discretion, to modify this Privacy Policy at any time and without notice. In this case, it will be published on the relevant platforms and replace the former one. By using the platforms after any changes, you expressly accept the new version of the Privacy Policy.

By accessing and using the platforms, you expressly authorise Groupe Mutuel to process your personal data transmitted in this way, in accordance with this Privacy Policy.
Data processing regulations
The principles for the processing of data by Groupe Mutuel in relation to compulsory health insurance (LAMal/KVG) are defined in the Data Processing Regulations. The user therefore acknowledges that the Groupe Mutuel Data Processing Regulations also refer to the platforms and form an integral part of this document insofar as the data processed by the platforms is related to compulsory health insurance (LAMal/KVG).
Types of data collected via the platforms
Groupe Mutuel collects data related to your access and use of its platforms. In particular, Groupe Mutuel may collect your personal data by using or not using third party services (including platforms such as Google, Microsoft, Campaign Monitor, Facebook and Usafe). Your personal data consists of any information that identifies you or allows you to be identified, even indirectly, by reference to other information, including a personal identification number, which concerns your name, address, billing information, e-mail address, IP address, geolocation or any other information that can be used to identify or contact you when accessing and using the platforms.
Organisational and technical measures
As a user of the platforms, you agree that data relating to your health, including the benefits’ statements, may be made available by Groupe Mutuel via a secure Internet connection. However, you are aware of the potential risk that this data may be intercepted and accessed by unauthorised third parties. Following legal processing of the data, Groupe Mutuel does not assume responsibility for this risk to the extent permitted by law, subject to gross negligence.

Groupe Mutuel processes your personal data in accordance with Swiss data protection legislation and takes all necessary security measures to prevent unauthorised access, disclosure, modification or destruction of your data in general and personal data in particular. The provisions of foreign laws or regulations are reserved.
Data processing location
Subject to paragraph 9) below, your personal data is stored in a data centre and processed at Groupe Mutuel headquarters in Switzerland.
Storage period
Subject to any legal obligations for storage, personal data is kept by Groupe Mutuel for as long as necessary to fulfil the purposes for which the data was collected.
Purpose of data processing
If you are a customer of Groupe Mutuel, or if you transmit personal data via the platforms in order to become a customer, Groupe Mutuel may use the data transmitted as part of the establishment and/or management of this contractual relationship.

a. Compulsory social insurance (compulsory health insurance – AOS/OKP, occupational pension benefits and accident insurance against workplace accidents)
Only the personal data necessary for the performance of specific tasks falling within the scope of the law shall be collected and processed. Groupe Mutuel may use your personal data, including sensitive data necessary to perform the tasks provided for by law. However, the data cannot be processed for the purpose of commercial prospecting.

b. Other insurance
Personal data is collected in order to allow Groupe Mutuel to operate its platforms, to provide specific offers according to customer needs and in line with the market and/or to provide services related to the platforms.

Groupe Mutuel may use your personal data, including contact information and other information sent via the platforms for commercial and advertising purposes, in particular for internal tests and statistics, to improve its products and services and to send you information and offers relating to the products and services of Groupe Mutuel and/or its partners, such as brochures, newsletters and other advertising messages, if you give your consent at the time of transmission of such data. You can withdraw your consent at any time by visiting our contact page.
Data accuracy
In the event of changes to an address (postal or electronic), bank account or other personal data, you undertake to notify Groupe Mutuel via its platforms. You may also request that incorrect data be corrected. Groupe Mutuel shall take the appropriate measures to correct inaccurate or incomplete data with regard to the purposes for which the data is processed.
Disclosure to third parties
Groupe Mutuel may transfer your personal data to third party service providers designated to support Groupe Mutuel in its business, in particular in the context of commercial prospecting. Third party service providers may be located and process your personal data in Switzerland or in the European Union.

Groupe Mutuel may also transfer your personal data to third party service providers abroad, in particular in the European Union and the United States. Not all of these countries offer a level of data protection equivalent to that in Switzerland. In such a case, you expressly authorise Groupe Mutuel to communicate your personal data to such service providers.

If you access the platforms using telecommunications' services, all communication-related data (e.g. Internet Protocol address) or usage data (e.g. data concerning the start and duration of usage) may be processed by these telecommunications' services in accordance with legislation and their own terms and conditions of usage and privacy policy.
Third party services
The processing of personal data by third party service providers is subject to the privacy policies of these third party service providers.

a. Access to third party services’ accounts
Your access to and use of the platforms may provide third party service providers with access to your personal data. These features are not activated automatically but require your specific authorisation. For example, platforms can connect and transmit personal data to social networks such as Facebook, Twitter or LinkedIn, if you use certain features (e.g. “social plug-ins”). Since these social networks use your data, particularly for tracking and advertising purposes, Groupe Mutuel recommends that you consult the social networks’ data use policies and take measures to increase the confidentiality of your data.

b. Registration and authentication
Platforms may allow you to register and/or authenticate to use certain features, using third party services. For example, platforms can allow you to register and/or authenticate via your personal Facebook profile. In this case, personal data is exchanged between Facebook and the relevant platforms. The personal data collected by Groupe Mutuel is processed in accordance with this privacy policy.

c. Interactions based on geolocation
Platforms can collect, use and share your geolocation data to provide you with services based on it. Most browsers and electronic devices provide tools to deactivate this default feature. If you have given your consent, your geolocation data can be tracked by Groupe Mutuel’s platforms. Groupe Mutuel recommends that you configure your mobile device correctly to accept or reject geolocation.

d. Third party web pages
Platforms may contain links to web pages that are not maintained by Groupe Mutuel and are not related to Groupe Mutuel (hereafter referred to as "third party web pages"). The use of such links is at the user's own risk. Groupe Mutuel is neither competent nor responsible for monitoring or assessing the content on these third party web pages. The contents of third party web pages do not reflect the opinion of Groupe Mutuel. Therefore, Groupe Mutuel cannot be held responsible for the content of third party websites, particularly with regard to their accuracy and comprehensiveness.

e. Optimisation
As a user of the platforms, you agree that, for optimising the platforms and for statistical purposes, Groupe Mutuel may, when using the platforms, provide, enter, process and use data anonymously. The data does not allow you to be identified and is simply intended to provide general information about usage behaviour (e.g. how often platforms are used). This data is used for anonymous statistical evaluations and to improve the platforms.
Cookies and other tracking technologies
a. General information
In order to improve the use and features of the platforms, Groupe Mutuel uses different types of “cookies” (small text files in which an identification number is integrated and may be stored on your electronic device) or other indicators such as “pixel tags”, some of which may automatically record and transmit personal data to the platforms. They allow Groupe Mutuel to improve customer services and recognise previous visitors to its platforms. When you access and use the platforms, a cookie identifies your electronic device. Pixel tags serve a similar purpose, but do not install files directly on your electronic device. Groupe Mutuel also uses cookies to measure and monitor traffic and use of the platforms and their features.

If you do not want cookies to be stored on your electronic device, you must configure your Internet browser or electronic device to block cookies before using the platforms. If you do not do so, you consent to the collection and processing of data as provided for in this Privacy Policy, including, where applicable, personal data collected in this way. However, some cookies are essential for the proper functioning of the platforms and the use of the platforms or some of their features may be altered, limited or not work when all of the cookies are blocked. Groupe Mutuel recommends accepting cookies and not deleting them in order to improve the user's browsing experience and improve platforms.

b. Types of cookies and pixel tags used
There are four main reasons why cookies can be stored on your electronic device when you access and use the platforms:
- for the execution and proper functioning of the platforms;
- to collect anonymous data, in order to improve the platforms;
- to save your preferences and make the platforms more user-friendly;
- to track your online behaviour, in order to customise the content displayed on the platforms you visit.

Cookies in the latter category may be placed by third parties, since Groupe Mutuel has no control over the placing of such cookies by third parties when you visit their websites. However, Groupe Mutuel may use cookies in this category to recognise you when you visit third party websites and to display advertising for its products and services, in particular.

The cookies used by the platforms are stored on your electronic device by Groupe Mutuel or by third parties, such as Google.

Some cookies are stored on your electronic device only for the duration of your access and use of the platforms, while others will remain for a specific or, more rarely, unspecified period.

For more information, please visit www.allaboutcookies.org/. Please check the user help sections of your web browser for specific instructions on how to manage cookies.
Provisions specific to platforms
a. Premium calculator
In the first stage, the offer and your data are not saved in our databases but are stored in the browser's memory. You can save your calculations and resume your session at any time within 30 days. During this period, your data is stored in our databases and on our server. Once the 30-day period has expired, your data will be deleted from the databases if you have not taken out insurance or initiated other contacts with Groupe Mutuel. In addition, this Privacy Policy refers to the processing of data in connection with the use of this platform and the conclusion of an insurance contract.

b. Form and contact
Some Groupe Mutuel platforms may offer the possibility of contacting Groupe Mutuel by email, via contact forms or by other means such as the premium calculator, chats and telecommunications software.

The confidential personal data that you send to Groupe Mutuel via the forms on the platforms are transmitted in an encrypted form in accordance with the latest technology and cannot be accessed by third parties. The data that you enter via Internet platforms is used in particular for the execution of the contract as well as for the processing of your requests and, where applicable, for marketing purposes within Groupe Mutuel.

By entering your data in the premium calculator, you agree that Groupe Mutuel may contact you by telephone or another channel when submitting an offer.

c.Recruitment platform
Your application will be examined solely on the basis of your professional skills in relation to the profiles sought or the position for which you are applying. The various selection stages are documented and guarantee the quality of the hiring process. Groupe Mutuel will keep you regularly informed of the progress of the procedure and applies principles of non-discrimination in terms of recruitment.

Your personal data is only accessible to Groupe Mutuel's Human Resources Department and to the employees responsible for your recruitment.

Your personal data must be accurate, truthful and up-to-date and not incomplete, misleading or deceptive. Groupe Mutuel would like to remind you that any inaccurate information may result in the termination of your employment contract. Groupe Mutuel therefore reserves the right to delete your profile and/or attached documents if your application does not correspond to the purpose of the application procedure.

Your documents, your employment and education information, as well as your consent, will be deleted after six months following your application if your application has not resulted in an employment contract. With your consent, Groupe Mutuel will keep your data in our database for a longer period of time in order to be able to offer you another position.

It should be noted that communications made via methods that use the Internet, and therefore a public network over which Groupe Mutuel has no control, are liable to be intercepted, altered or lost. Groupe Mutuel does not accept any liability in this respect.
The “Voice of the Customer”
The “Voice of the Customer” programme is an initiative of Groupe Mutuel aimed at further including customers interested in giving their opinion. Therefore, customers can participate in improving existing processes and products and help develop new products and services. The purpose is to ensure that services are tailored to the needs of customers as closely as possible. As a customer, you have the opportunity to give your opinion on various projects and topics. For each study carried out, a random selection is made according to the criteria sought among the customers who are part of the programme. When you inform Groupe Mutuel of your wish to participate in a specific survey, you will receive an overview of the project or topic on which your opinion is needed. Participation in the “Voice of the Customer” programme is always on a voluntary basis. You may therefore unsubscribe at any time by sending an email to voiceofcustomer@groupemutuel.ch or by clicking on the link “unsubscribe” in the electronic media sent to you.

When you sign up to the programme, Groupe Mutuel collects the following data:
- Gender
- Name
- First name
- Full address (street, no., town and postcode)
- Date of birth
- Telephone number
- Email
- Preferred language for surveys

This data will be used to contact you.

At the end of this first contact stage, you will have the opportunity to complete your data by filling in the registration form.

The following information is included in the registration form:
- Preferred language for oral feedback
- Type of surveys you wish to participate in
- Contacts with Groupe Mutuel
- Preferred contact method (email, mobile phone, landline)
- Nationality
- Duration of residence in Switzerland
- Canton of residence
- Bilingual German-French
- Composition of household
- Gross monthly income
- Professional status
- Occupational sector
- How long have you been a customer with Groupe Mutuel
- Type of insurance taken out
- Basic insurance model
- Type of supplemental insurance
- Chosen deductible for basic insurance
- Level of knowledge in the insurance field
- Management of insurance
- Frequency of use of the online Customer Area
- Overall satisfaction

All the questions in this form are optional and the information will be used to invite you to the surveys, focus groups or events that are most suited to you. The personal data you make available to Groupe Mutuel is only processed as part of the “Voice of the Customer” programme.

Furthermore, the answers and reviews you provide to Groupe Mutuel in these surveys are anonymised before they are recorded. This data is valuable for Groupe Mutuel to be able to develop specific projects but also to better adjust insurance products and services.

If, for a particular study, your answers were not to be anonymised, you would be informed of this beforehand when being invited to participate.

As part of community management and to avoid contacting you too frequently, the history of your participation in the various studies is also kept.
Groupe Mutuel may share your personal data with third-party service providers appointed to support its business. In such cases, Groupe Mutuel will ensure that third-party service providers comply with the provisions relating to the protection of your data and information security to the same extent as Groupe Mutuel.

Concerning the data collected as part of the programme, you have the following rights.
- You may request information on the personal data that was recorded.
- You may request that your personal data be modified, completed, blocked or deleted.
To exercise your rights, simply send your request by email to: voiceofcustomer@groupemutuel.ch
Right of access
You have the right to access your personal data, to have it corrected, to have your data deleted within the limits of the applicable legal provisions, to limit the processing of your data, to request that it be transferred, to withdraw your consent to the processing of personal data, subject in particular to the processing required for the performance of a contract and to refer the matter to the competent supervisory authority.

If you have any questions or requests regarding the processing of your personal data by Groupe Mutuel, please contact:

Groupe Mutuel
Data Protection Officer
Rue des Cèdres 5
P.O. Box
1919 Martigny
Or use the email address: dataprotection@groupemutuel.ch
Other provisions
The legal provisions and existing insurance terms and conditions also apply.
Applicable law and jurisdiction
This document and the use of the platforms are governed by Swiss law. Any dispute relating to or arising out of the platforms or their use shall be submitted to the exclusive jurisdiction of the competent courts in the district of Martigny, subject to any binding jurisdiction.

Our commitment to our users

General Terms and Conditions of Use

Privacy Policy of the platforms

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