Privacy policy

In accordance with the Swiss Federal Act on Data Protection (FADP), this privacy policy informs you which personal data we process, for what purpose and for how long. All passages marked [PRÜFEN] must be reviewed by a lawyer before publication.

1. Controller

Voltavia GmbH, Aarauerstrasse 7, 5630 Muri AG, info@voltavia-capital.ch. [PRÜFEN: Datenschutzberater, falls bestimmt]

2. What data we process

• Mortgage calculator: Your entries (purchase price, equity, income, age) are calculated only in your browser and are not stored unless you send an enquiry.
• Contact form and request for an offer: Title, first name, surname, email, phone, postcode, preferred time, message and, if carried over from the calculator, your financing details.
• Property valuation and sale calculator: Address, property details (type, living space, rooms, year of construction, condition), your plans and time frame and, for the sale calculator, purchase price, year of purchase, investments and your existing mortgage. From these we calculate the estimate, which we store together with your contact details.
• Address search: What you type into the address field is sent via our server to the federal search service (swisstopo, geo.admin.ch) in order to suggest matching addresses. We do not pass on your IP address or any other details in the process.
• Property enquiries: If you enquire about a listing, we store your details together with the property and forward them to the responsible adviser in order to arrange documentation and a viewing. Your browser loads the maps on the property pages directly from the federal mapping service (swisstopo, wmts.geo.admin.ch); for technical reasons, swisstopo receives your IP address in the process. [PRÜFEN]
• Source of the visit: Landing page, referring website and campaign parameters (UTM), so that we know through which channel enquiries arrive.
• Client portal: If your adviser activates the portal for you: your email address and name for logging in, the documents you upload (e.g. salary certificate, tax return, debt enforcement register extract, purchase contract) with file name, size, checksum and review status, your messages to us and the time of your last login. Documents are automatically scanned for malware when uploaded.
• Rate alert and rate newsletter: Your email address and language, the mortgages and threshold you selected, the time of your sign-up and of your confirmation, and which rate emails we have sent you and whether they were delivered. If you have also submitted an enquiry with us, we link the two so that your adviser is aware of it.
• SMS and WhatsApp: If you have given your consent: your mobile number, the channel you chose, the time and source of your consent, and the short messages we send you or you send us, with delivery status. If you reply STOP, we store your number on a block list so that you do not receive any more short messages, even for later enquiries.
• Spam protection: An irreversible hash of your IP address for no more than 48 hours, to limit abusive repeated enquiries.

3. Purpose

We process your data in order to answer your enquiry, assess your financing, obtain suitable offers and advise you on them. To prioritise processing, we automatically rate enquiries based on your financing details (e.g. affordability, urgency). This rating serves only to determine the internal order; decisions about your financing are made by people or by the financing institutions. [PRÜFEN]

We only pass on your data to banks, insurers or pension funds if you have consented to this; tenders are initially carried out anonymously.

Rate alert: We only send you rate emails once you have confirmed your sign-up via the link in our email (consent). You can unsubscribe or change your settings at any time via the link in each of these emails. [PRÜFEN]

SMS and WhatsApp: We only send you appointment reminders and short updates on your enquiry by SMS or WhatsApp if you have consented (in the enquiry form, to your adviser or by replying START). You can withdraw your consent at any time by replying STOP or by letting us know. Your replies are only seen by your adviser and the Voltavia team. [PRÜFEN]

AI support for our advisers: To prepare the initial consultation, we have an AI service (Anthropic, Claude) summarise your financing details and check them for risks. In doing so, we only transmit figures and categories (e.g. purchase price, equity, income, age group, major region), never your name, contact details, message or address. The result is an internal suggestion; decisions are made by our advisers. Our advisers can also ask the AI service questions about their work list (e.g. which enquiries have priority today). Here too, the service only receives figures, statuses and dates, with a placeholder instead of your name; we store these questions for 90 days. [PRÜFEN: Einsatz und Rechtsgrundlage]

4. Retention period

Enquiries that do not result in a contract, as well as completed mandates, are automatically anonymised 24 months after they were last processed: name, contact details, messages and notes are removed, leaving only figures with no link to you personally. Your portal login is then also deleted. This applies unless statutory retention obligations exist. [PRÜFEN: Aufbewahrungsfristen für abgeschlossene Mandate]

We automatically delete uploaded documents from our storage 90 days after your enquiry has been completed or terminated. Copies that we have passed on to banks or insurers with your consent are subject to their retention rules. [PRÜFEN: Frist 90 Tage]

We delete unconfirmed rate alert sign-ups after 7 days, and cancelled subscriptions 30 days after unsubscribing, in each case together with the sending log.

We delete short messages (SMS and WhatsApp) together with your enquiry (see above). We delete messages from numbers that we cannot match to an enquiry after 90 days. After you unsubscribe with STOP, we keep the block list for as long as we send short messages, so that your unsubscription remains effective. [PRÜFEN]

You can access the results page of a valuation or sale calculation via a personal link that cannot be guessed. It is valid for 12 months and is not indexed by search engines. Only share the link if the recipients are allowed to see your details.

5. Processors and storage location

• Website hosting: Vercel Inc. [PRÜFEN: Region und Vertrag]
• Database, login and document storage: Supabase, data centre in the EU (Frankfurt, Germany)
• Virus scanning of documents: ClamAV on a server operated by us [PRÜFEN: Standort des Scan-Servers]
• Email delivery: Resend [PRÜFEN: Region und Vertrag]
• Appointment scheduling and email correspondence of our advisers: Microsoft 365 (Outlook, Teams). For appointments, we transmit your name, email address and the appointment details; invitations and Teams meetings run via Microsoft. [PRÜFEN: Region und Auftragsverarbeitungsvertrag]
• SMS and WhatsApp: Twilio Inc., USA, and additionally Meta Platforms (WhatsApp Business) for WhatsApp. Your mobile number and the text of the message are transmitted. [PRÜFEN: Region und Auftragsverarbeitungsvertrag]
• Address search and maps: Federal Office of Topography swisstopo, Switzerland (search text; IP address when loading the map)
• AI support: Anthropic PBC, USA (anonymised financial figures only, see section 3) [PRÜFEN: Vertrag, Datenaufbewahrung beim Anbieter]

Under Swiss law, the EU is considered to provide an adequate level of data protection. For providers based in the USA, we rely on [PRÜFEN: Swiss-US Data Privacy Framework oder Standardvertragsklauseln].

6. Your rights

You may at any time request information about your data, request its correction or deletion and withdraw your consent. Write to us at info@voltavia-capital.ch. In the client portal you can also download your data yourself as a file at any time («My data»). You also have the right to lodge a complaint with the Federal Data Protection and Information Commissioner (FDPIC).

7. Cookies and analytics

We do not use analytics or advertising cookies. We only set technically necessary cookies for logging in (advisers and client portal) and for the confirmation page after an enquiry (10 minutes). If you choose a language, we remember your choice in a cookie (one year) so that the website appears in your language on your next visit.