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Last updated: September 11, 2025
This policy explains how RealAdvisor Finance Sàrl processes your personal data when you use our websites and services. Our clients' data is protected and strictly confidential.
This policy applies to processing carried out in the context of:
We process your data according to Swiss data protection law (nLPD 2023) and GDPR (Regulation (EU) 2016/679). The main legal bases:
Identification and contact: name, first name, date of birth, address, email, telephone, identity document.
Financial and patrimonial data: income, expenses, family situation, loans, bank statements, account extracts, tax certificates.
Real estate data: property address, estimated value, property characteristics, mortgage debt, maturity, current conditions.
Data from exchanges: requests, notes, appointments, consent records, support tickets.
Technical data: server logs, IP addresses, cookie identifiers, browser fingerprints, analytics events.
Documents: KYC/LBA supporting documents, pay slips, certificates, contracts, powers of attorney/mandates.
Sources: directly from you, via our forms/portal, via our partners (e.g. RealAdvisor, introducers, banks/insurers), or via technical service providers (host, CMP, analytics).
To pre-qualify your financing (e.g. calculation of debt ratios, LTV, eligibility scoring), we use rules and models (sometimes AI-assisted) to accelerate analysis. These results do not produce legal effects without human intervention: an advisor always checks before any decision. You can request: (i) human intervention, (ii) to express your point of view and (iii) to contest the decision.
We use cookies necessary for site operation and, with your consent, analytics and marketing cookies/trackers (e.g. GA4, Meta Pixel, reCAPTCHA, Hotjar, A/B testing tools). You can manage your choices at any time via our consent banner (CMP).
We do not sell your personal data.
We store primarily in Switzerland/EEA. When service providers are located outside Switzerland/EEA, we use appropriate safeguards (e.g. European Commission Standard Contractual Clauses, transfer assessments, supplementary measures) or rely on an adequacy decision when available.
We retain your data for the time necessary for the purposes then delete or anonymize them, subject to:
We apply appropriate technical and organizational measures: encryption in transit/at rest when relevant, access management, logging, security testing, backups, authorization policy, confidentiality clauses with our service providers and partners. Our clients' data is protected and strictly confidential.
Right to information/access, rectification, portability (for automated processing based on consent/contract) and consent revocation. You can also request deletion when no legal obligation requires us to retain.
Rights of access, rectification, erasure, restriction, objection (including to marketing), portability, and not to be subject to automated decision-making without human intervention.
To exercise your rights: contact us at . We may verify your identity. Legal limitations may apply (e.g. LBA obligations).info@realadvisor-finance.ch. We may verify your identity. Legal limitations may apply (e.g. LBA obligations).
We only send marketing communications if you have consented (opt-in) or within the limits allowed in B2B. You can unsubscribe at any time via the provided link or by writing to us.
We use technical service providers (hosting, storage, support, communication tools, audience measurement, security, signature, identity verification, etc.) to provide and improve our services. Data is hosted and/or processed in Switzerland or the European Union/EEA.
We do not publish the detailed list of our service providers for security reasons. Upon request, we can provide relevant additional information subject to reasonable confidentiality.
When you use our portal to deposit documents or sign mandates/powers of attorney, your files are encrypted in transit, stored with our designated subcontractors, and accessible only to authorized persons working on your file.
Our services may include third-party links or components. We do not control their policies. We invite you to consult the privacy policy of these third parties.
We may modify this policy to reflect legal or technical developments. The current version is published on this page with the "Last updated" date. In case of substantial change (new purposes), we will request your consent if necessary.
If you believe your rights are not respected, you can contact the FDPIC (Switzerland) or the competent supervisory authority in the EU (if GDPR applicable).