{"id":1584,"date":"2026-08-24T07:42:48","date_gmt":"2026-08-24T07:42:48","guid":{"rendered":"https:\/\/invexa.swiss\/?page_id=1584"},"modified":"2026-08-24T08:21:59","modified_gmt":"2026-08-24T08:21:59","slug":"customer-information-art-45-lsa","status":"publish","type":"page","link":"https:\/\/invexa.swiss\/en\/informations-clients-selon-lart-45-lsa\/","title":{"rendered":"Client information pursuant to Art. 45 ISA"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1584\" class=\"elementor elementor-1584\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17a0eb22 e-flex e-con-boxed e-con e-parent\" data-id=\"17a0eb22\" 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-4ee651a0 elementor-widget elementor-widget-heading\" data-id=\"4ee651a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Client information pursuant to Art. 45 ISA<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf6dc8e elementor-widget elementor-widget-text-editor\" data-id=\"bf6dc8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tDuty to inform pursuant to Art. 45 of the Insurance Supervision Act (ISA)\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-279a976b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"279a976b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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 updated:<\/strong> 24.08.2026<\/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 class=\"elementor-element elementor-element-af2a167 elementor-widget elementor-widget-heading\" data-id=\"af2a167\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\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 class=\"elementor-element elementor-element-dfdb8d elementor-widget elementor-widget-text-editor\" data-id=\"dfdb8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">Invexa S\u00e0rl (hereinafter \"Invexa\"), with its registered office at <span class=\"overview-item-text\">Rue de Montchoisy 36, 1207 Geneva<\/span>, acts as an <strong>untied insurance intermediary<\/strong> for the following insurance lines:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-453b0736 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"453b0736\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\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 damage 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\">Supplemental 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 class=\"elementor-element elementor-element-588f4e8a elementor-widget elementor-widget-text-editor\" data-id=\"588f4e8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>From the very beginning of the relationship, an advisor is assigned to assist the client with managing their insurance. This person serves as the client\u2019s direct point of contact and is responsible for all of the client\u2019s insurance-related matters.<\/p><p>Invexa S\u00e0rl is a company registered in the Swiss Commercial Register under 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 registered in the public registry of insurance intermediaries maintained by the <strong>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 class=\"elementor-element elementor-element-5dbf3edc elementor-widget elementor-widget-heading\" data-id=\"5dbf3edc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Information on Initial and Continuing Education<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93fc3d1 elementor-widget elementor-widget-text-editor\" data-id=\"93fc3d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Invexa places the utmost importance on the accuracy and reliability of its advice, as well as on the professionalism with which it serves its clients. It therefore ensures that training and professional development are ongoing.<\/p><p>All advisors have completed the training required by the minimum standards legally prescribed by FINMA. You can find out about an advisor\u2019s specific level of training by sending an email 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 class=\"elementor-element elementor-element-1dce20fc elementor-widget elementor-widget-heading\" data-id=\"1dce20fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\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 class=\"elementor-element elementor-element-2dc87c4b elementor-widget elementor-widget-text-editor\" data-id=\"2dc87c4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Invexa S\u00e0rl places great importance on the protection of your personal data. The personal and administrative information we receive is treated confidentially and used exclusively in connection with our activities as an insurance broker. In particular, this information is used to analyze your current and future needs, to develop personalized offers, and to forward the necessary data\u2014including medical information, if applicable\u2014to the relevant insurance companies for the evaluation of your application and the issuance of the insurance policy.<\/p><p>Invexa may keep a copy of the contractual documents on file. It may also receive information from the insurer regarding the administration of the policy, including information on the acceptance of the application, the status of the policy, premium payments, or its termination.<\/p><p>Insurance companies may, to the extent necessary to fulfill the contract, disclose certain data to third parties located in Switzerland or abroad, such as co-insurers, reinsurers, or other entities within the same group.<\/p><p>All processed data is used in accordance with current Swiss data protection legislation (LPD). This data is used for risk assessment, claims management, contract administration, and the financial and statistical processing necessary for the follow-up of the case between Invexa and the relevant insurer.<\/p><p>The data is stored securely, in electronic and\/or paper format, for the period required by Swiss law.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6756a34d elementor-widget elementor-widget-heading\" data-id=\"6756a34d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\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 class=\"elementor-element elementor-element-7e904433 elementor-widget elementor-widget-text-editor\" data-id=\"7e904433\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We carry out our mandates with the utmost care and to the best of our knowledge. The company holds professional liability insurance with Allianz Suisse Insurance Company Ltd, with coverage of CHF 2,000,000 per insurance year for financial losses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-581186ee elementor-widget elementor-widget-heading\" data-id=\"581186ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\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 class=\"elementor-element elementor-element-88efbf6 elementor-widget elementor-widget-text-editor\" data-id=\"88efbf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Invexa S\u00e0rl receives brokerage commissions from insurance companies that are included in the premiums paid by the customer. These commissions are in line with standard market practices and are calculated as a percentage of the insurance premiums.<\/p><p>Before signing a brokerage agreement, Invexa informs the client of the basis for calculation, the applicable ranges, or the estimated amount of expected commissions, based on the information available regarding the client\u2019s insurance portfolio. By signing the agreement, the client confirms that they have been informed of this compensation and waives any right to a refund of commissions.<\/p><p>Upon request, Invexa will provide the amounts actually collected. Additional services may be offered, subject to fees agreed upon in advance.<\/p><p>Insurance brokerage activities are exempt from VAT in Switzerland (Art. 21, Sec. 18, Subsec. d of the VAT Act). In the event of a change to this regulation, the applicable VAT will be billed as an additional charge. Invexa assumes no liability for the client\u2019s tax obligations, particularly with regard to taxes on insurance premiums.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7331fe00 elementor-widget elementor-widget-heading\" data-id=\"7331fe00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6. Collaboration with the client and insurance companies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-391db8f7 elementor-widget elementor-widget-text-editor\" data-id=\"391db8f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Invexa S\u00e0rl works with the leading insurers authorized by Swiss regulatory authorities, including health insurance companies as well as recognized collective and municipal foundations. These partnerships enable us to offer our clients a wide range of insurance solutions tailored to their needs, as well as to assist with policy underwriting and day-to-day management. However, Invexa operates with complete legal, financial, and organizational independence from insurance companies.<\/p><p>Our primary mission is to defend our clients\u2019 interests with objectivity, transparency, and diligence. We assist them in taking out and managing their insurance policies and, when necessary, in handling claims, ensuring that their rights are protected and that they receive prompt, fair resolutions in line with industry best practices.<\/p><p>As a trusted partner, Invexa provides professional and thorough support throughout the business relationship. Premiums are collected directly by the insurance companies, ensuring transparent and secure management that complies with Swiss financial market standards.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6900cc3e elementor-widget elementor-widget-text-editor\" data-id=\"6900cc3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>INVEXA LLC<\/strong><br \/><span class=\"overview-item-text\">36 Rue de Montchoisy<br \/>1207 Geneva<\/span><br \/><strong>tel:<\/strong> <a href=\"tel:+41228860337\">+41 22 886 03 37<\/a><br \/><strong>Email:<\/strong> <a href=\"mailto:info@invexa.ch\">info@invexa.ch<\/a><br \/><strong>Advisor:<\/strong> Claire St\u00e9phanie Fivaz | FINMA No.<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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Invexa S\u00e0rl, with its registered office at Rue de Montchoisy 36, 1207 Geneva, acts as an independent all-branch insurance intermediary under registration number F01537672.<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-1584","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/pages\/1584","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/comments?post=1584"}],"version-history":[{"count":0,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/pages\/1584\/revisions"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=1584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}