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Privacy Policy

Who we are

This Privacy Policy explains how we collect, use, disclose and protect personal data when you visit our website or interact with us.

The controller for this website and for Swiss-booked relationships is:

Manentia Wealth Consulting Group AG
Etzelblickstrasse 1
8834 Schindellegi
Switzerland
Swiss company registered number: CHE-116.117.306

For all privacy matters, you can contact our Data Protection Officer at: DPO@mwcgroup.ch.

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Personal data we collect

We may collect and process the following categories of personal data:

  • Identification and contact details – for example, name, postal address, email address, phone numbers, nationality, date of birth, tax residence, client identifiers.

  • Client and engagement information – information about your financial situation, objectives, risk tolerance, family circumstances, investment preferences, pension information, insurance needs, and records of our interactions.

  • Regulatory and compliance information – information required for “Know Your Customer” (KYC), anti-money laundering (AML), sanctions and fraud prevention checks, including documentation and screening results.

  • Special categories of data – for example, health information relevant to insurance, annuities or certain financial planning, processed only where necessary and permitted by law (typically with your explicit consent).

  • Technical and usage data – device and browser information, Internet Protocol (IP) address, log data and cookie identifiers when you visit our website (see our Cookie Policy).

We typically collect personal data directly from you, from persons acting on your behalf, from product providers and other third parties you authorise, from publicly available sources, and from tools we use for compliance and screening.

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Purposes and legal bases for processing

We process personal data for the following purposes and under the following legal bases:

  • Providing our services and managing our relationship with you

    • To assess your needs, provide advice, implement and manage financial and insurance products, and communicate with you.

    • Legal basis: performance of a contract or steps taken at your request before entering into a contract.

  • Compliance with Swiss legal and regulatory obligations

    • To comply with obligations under financial-services, AML, tax, accounting and other applicable laws and regulations.

    • Legal basis: compliance with legal obligations.

  • Legitimate interests

    • To manage our business and risks, monitor quality, manage disputes and legal claims, improve our services, protect our systems and information, and prevent fraud and abuse.

    • Legal basis: our legitimate interests, balanced against your interests and fundamental rights.

  • Consent

    • For specific activities where consent is required by law, for example:

      • processing special-category data (such as health data) where necessary for insurance or related services;

      • certain types of direct marketing;

      • the use of non-essential cookies and similar technologies.

    • Legal basis: your consent, which you may withdraw at any time without affecting the lawfulness of processing carried out before withdrawal.
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Profiling and automated decision-making

We may use profiling to help assess your risk profile, investment objectives and product suitability. These assessments inform our recommendations but do not replace human judgment.

We do not carry out automated decision-making that produces legal or similarly significant effects on you without meaningful human involvement.

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Sharing your personal data

We may share your personal data with:

  • Other MWC Group entities, where they support our services or provide services directly to you. Each entity protects your data in line with this Privacy Policy and applicable local law.

  • Product providers and business partners, including banks, custodians, insurers, pension and investment platforms, and other product or service providers where this is necessary to implement and service your arrangements.

  • Professional advisers and service providers, including auditors, lawyers, compliance advisers, IT and cloud service providers, communication providers and other suppliers that process data on our behalf under written contracts that require confidentiality and appropriate security.

  • Regulators, authorities and courts, where required or permitted by law, for example the Swiss Financial Market Supervisory Authority (FINMA), self-regulatory organisations, tax authorities, or law-enforcement bodies.

  • Other third parties, where you ask us to share information or where we are otherwise permitted to do so under applicable law.

We do not sell your personal data.

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International transfers, including the Philippines

In the course of providing our services and operating our business, we may transfer personal data to other countries, including countries that may not provide the same level of data protection as Switzerland. This includes:

  • Other MWC entities in the European Union, the United Kingdom and other jurisdictions;

  • Our support office in the Philippines, which provides back-office, administrative and information-technology support; and

  • Third-party service providers (for example, IT infrastructure and cloud providers).

Where personal data is transferred to a country that is not recognised by the Swiss Federal Council as providing an adequate level of data protection, we implement appropriate safeguards such as:

  • Standard Contractual Clauses adapted for Switzerland;

  • Contractual and organisational controls to limit access and use; and

  • Technical measures such as encryption and access logging.

You may contact DPO@mwcgroup.ch for more information about these safeguards.

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Security

We take security seriously and implement technical and organisational measures designed to protect personal data against accidental or unlawful destruction, loss, alteration, unauthorised disclosure or access. These measures include, for example:

  • Role-based access controls and multi-factor authentication;

  • Encryption of devices and data where appropriate;

  • Secure configuration, patching and monitoring of systems;

  • Network and endpoint security measures;

  • Regular backups and business continuity planning; and

  • Incident detection and response procedures.

No system can be guaranteed to be completely secure, but we aim to maintain a level of security appropriate to the risks associated with our processing.

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Retention of personal data

We retain personal data for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of meeting legal, regulatory, accounting and reporting obligations and to defend or establish legal claims.

As a general rule:

  • Client and advice records are typically kept for 10 years from the end of the client relationship, or longer where required by law or where needed for legal claims.

Once personal data is no longer required, we will delete or irreversibly anonymise it in line with our retention policies and applicable laws.

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Your rights under Swiss law

Under Swiss data protection law, you have the following rights (subject to conditions and applicable law):

  • The right to request information about whether we process personal data about you and, if so, to receive a copy;

  • The right to request the correction of inaccurate personal data;

  • The right to request the deletion of personal data where there is no valid reason for us to continue processing it;

  • The right to object to processing in certain cases; and

  • The right to withdraw consent where processing is based on consent.

To exercise your rights, please contact DPO@mwcgroup.ch. We may need to verify your identity before actioning your request and may be obliged to retain certain data despite your request, for example where required by law.

If you are not satisfied with how we handle your personal data, you may lodge a complaint with the Federal Data Protection and Information Commissioner (FDPIC).

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Cookies and similar technologies

Our website uses cookies and similar technologies. Essential cookies are necessary for the website to function. Non-essential cookies (for example, for analytics or marketing) are only used with your consent.

You can manage your cookie preferences via the cookie banner or your browser settings. For more details, please see our Cookie Policy.

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Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on our website with an updated “Last updated” date.

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