{"id":3751,"date":"2025-09-23T08:51:02","date_gmt":"2025-09-23T08:51:02","guid":{"rendered":"https:\/\/invexa.ch\/?page_id=3751"},"modified":"2026-01-14T13:44:34","modified_gmt":"2026-01-14T13:44:34","slug":"informations-clients-selon-lart-45-lsa","status":"publish","type":"page","link":"https:\/\/invexa.ch\/en\/customer-information-in-accordance-with-art-45-lsa\/","title":{"rendered":"Customer Information under Art. 45 ISA"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3751\" class=\"elementor elementor-3751\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c2a1a3 e-flex e-con-boxed e-con e-parent\" data-id=\"1c2a1a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f45c8dd elementor-widget elementor-widget-heading\" data-id=\"f45c8dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Customer Information under Art. 45 ISA<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c19168b elementor-widget elementor-widget-text-editor\" data-id=\"c19168b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDuty of disclosure under art. 45 of the Insurance Supervision Act (ISA)\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ab2f13 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5ab2f13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Last update:<\/strong> 14.01.2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfd056c elementor-widget elementor-widget-heading\" data-id=\"bfd056c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Information about Invexa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4c59ff elementor-widget elementor-widget-text-editor\" data-id=\"f4c59ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invexa S\u00e0rl (hereinafter \u00abInvexa\u00bb), based in <span class=\"overview-item-text\">Rue de Montchoisy 36, 1207 Geneva<\/span>, acts as\u2019<strong>unrelated insurance intermediary<\/strong> for the following lines of insurance:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dd1db3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2dd1db3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Life insurance<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Qualified life insurance<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Property and casualty insurance<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Supplementary health insurance<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2c28a6 elementor-widget elementor-widget-text-editor\" data-id=\"c2c28a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>From the outset of the collaboration, an advisor is appointed to help the customer manage his or her insurance affairs. This person is the customer's direct contact and assumes responsibility for all insurance matters.<\/p><p>Invexa S\u00e0rl is a company registered in the Swiss Commercial Register under the identification number <strong>(IDE) CHE-238.643.992<\/strong>.<\/p><p><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Invexa S\u00e0rl is entered in the public register of insurance intermediaries kept by the <strong>Swiss Financial Market Supervisory Authority (FINMA)<\/strong> under the number <strong>F01537672<\/strong>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f2b8cb elementor-widget elementor-widget-heading\" data-id=\"5f2b8cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Information on initial and continuing training<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fe68c7 elementor-widget elementor-widget-text-editor\" data-id=\"3fe68c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invexa attaches the utmost importance to the accuracy and seriousness of its advice, as well as to the professionalism with which customers are looked after. To this end, it ensures that training and further training are ongoing.<\/p><p>All our advisors have completed the training courses required by FINMA to meet the minimum legal standards. You can find out more about an advisor's specific level of training by sending an e-mail to <a href=\"mailto:info@invexa.ch\">info@invexa.ch<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2b9478 elementor-widget elementor-widget-heading\" data-id=\"b2b9478\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Data protection<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4dbadb elementor-widget elementor-widget-text-editor\" data-id=\"b4dbadb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invexa S\u00e0rl attaches great importance to the protection of your personal data. The personal and administrative information we receive is treated confidentially and used exclusively for our insurance intermediary activities. In particular, it is used to analyze your current and future needs, to prepare customized offers, and to transmit the necessary data - including medical data, where applicable - to the insurance companies concerned for the purpose of evaluating your application and drawing up the insurance contract.<\/p><p>Invexa may keep a copy of contractual documents in its files. Invexa may also receive information from the insurer relating to the management of the contract, in particular concerning the acceptance of the application, the status of the contract, payments or its cancellation.<\/p><p>To the extent necessary for the performance of the contract, insurance companies may transfer certain data to third parties located in Switzerland or abroad, such as co-insurers, reinsurers or other entities in the same group.<\/p><p>All processed data is used in accordance with current Swiss data protection legislation (DPA). They are used for risk assessment, claims management, contract administration, as well as for financial and statistical processing necessary for the follow-up of the file between Invexa and the insurer concerned.<\/p><p>Data is stored securely, in electronic and\/or paper format, for the length of time required by Swiss law.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cd9af8 elementor-widget elementor-widget-heading\" data-id=\"1cd9af8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. Responsibilities<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48889af elementor-widget elementor-widget-text-editor\" data-id=\"48889af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We carry out our assignments with the utmost care and to the best of our knowledge. The company is covered by professional liability insurance underwritten by Allianz Suisse Soci\u00e9t\u00e9 d'Assurances SA, with a cover of CHF 2,000,000 per insurance year for pecuniary damage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e348161 elementor-widget elementor-widget-heading\" data-id=\"e348161\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5. Compensation information<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df03856 elementor-widget elementor-widget-text-editor\" data-id=\"df03856\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invexa S\u00e0rl receives brokerage commissions from insurance companies, which are included in the premiums paid by the customer. These commissions correspond to standard market practice and are calculated as a percentage of insurance premiums.<\/p><p>Before signing a brokerage agreement, Invexa informs the customer of the basis of calculation, the applicable ranges or the estimated amount of commissions expected, depending on the information available on the customer's insurance portfolio. By signing the agreement, the client confirms that he\/she has been informed of this remuneration and waives any right to reimbursement of commissions.<\/p><p>On request, Invexa will disclose the amounts actually received. Additional services may be offered and will be subject to a pre-agreed fee.<\/p><p>Insurance brokerage activities are exempt from VAT in Switzerland (Art. 21, para. 18, letter d VAT Act). In the event of a change in this regulation, the applicable VAT will be charged in addition. Inv<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-720574b elementor-widget elementor-widget-heading\" data-id=\"720574b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6. Collaboration with customers and insurance companies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-caa1554 elementor-widget elementor-widget-text-editor\" data-id=\"caa1554\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invexa S\u00e0rl works with the main insurers approved by the Swiss supervisory authorities, including health insurers and recognized collective and joint foundations. These partnerships enable us to offer our customers a wide range of insurance solutions tailored to their needs, and to support them in taking out and managing policies. However, Invexa operates with complete legal, economic and organizational independence from insurance companies.<\/p><p>Our primary mission is to defend our customers' interests with objectivity, transparency and diligence. We assist them in the underwriting and management of their insurance contracts and, where necessary, in the handling of claims, ensuring that their rights are safeguarded and that solutions are found quickly, fairly and in line with best market practice.<\/p><p>As a trusted partner, Invexa ensures professional and rigorous follow-up throughout the business relationship. Premiums are collected directly by the insurance companies, guaranteeing clear, secure management in line with Swiss financial market standards.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-972221c elementor-widget elementor-widget-text-editor\" data-id=\"972221c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>INVEXA SARL<\/strong><br \/><span class=\"overview-item-text\">Rue de Montchoisy 36<br \/>1207 Geneva<\/span><br \/><strong>tel:<\/strong> <a href=\"tel:+41228860337\">+41 22 886 03 37<\/a><br \/><strong>e-mail:<\/strong> <a href=\"mailto:info@invexa.ch\">info@invexa.ch<\/a><br \/><strong>Advisor:<\/strong> Claire St\u00e9phanie Fivaz | FINMA n\u00b0<a href=\"https:\/\/www.finma.ch\/fr\/autorisation\/intermediation-dassurance\/registersuche\/F01518014\" target=\"_blank\" rel=\"noopener\">F01518014<\/a> | <a href=\"mailto:c.fivaz@invexa.ch\">c.fivaz@invexa.ch<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Informations clients selon l\u2019art. 45 LSA Devoir d\u2019information selon art. 45 de la loi sur la surveillance des assurances (LSA) Derni\u00e8re mise \u00e0 jour: 14.01.2026 1. Informations sur Invexa Invexa S\u00e0rl (ci-apr\u00e8s \u00abInvexa\u00bb), ayant son si\u00e8ge \u00e0 Rue de Montchoisy 36, 1207 Gen\u00e8ve, agit en tant qu\u2019interm\u00e9diaire d\u2019assurance non li\u00e9 pour les branches d\u2019assurance suivantes: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":""},"class_list":["post-3751","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/3751","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/comments?post=3751"}],"version-history":[{"count":18,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/3751\/revisions"}],"predecessor-version":[{"id":7351,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/3751\/revisions\/7351"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=3751"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}