Information Obligation
Duty to provide information pursuant to Art. 45 ISA
With the following information, Nadine Hunkeler Finance Phoenix (hereinafter “Finance Phoenix”) informs its clients in accordance with the requirements of Art. 45 of the Insurance Supervision Act (“ISA”). Nadine Hunkeler is an independent insurance intermediary and is registered in the register of the Swiss Financial Market Supervisory Authority FINMA under registration number F01453172.
1. Identity Details
Nadine Hunkeler Finance Phoenix
Gotthardstrasse 55
8002 Zurich
Telephone: +41787477052
E-mail: [email protected]
Website: www.financephoenix.ch
Legal form: Sole proprietorship, not entered in the commercial register
2. Consulting as an independent and unaffiliated insurance broker
Finance Phoenix acts as an independent insurance broker. The insurance cover offered by Finance Phoenix is always negotiated with several insurance companies. Exceptions to this are cases in which only one insurance company offers the relevant insurance cover or is prepared to underwrite the risk. Finance Phoenix informs the client which insurance companies the offers come from.
Finance Phoenix also brokers offers negotiated by other independent insurance brokers, but is not legally, economically or otherwise bound to an insurance company within the meaning of the Swiss Insurance Supervision Act.
3. Training and further education
All persons working in insurance brokerage on behalf of Finance Phoenix have undergone training and further training in accordance with the statutory requirements. Information on training and further training can be obtained using the contact details above.
4. Handling of customer data
Finance Phoenix undertakes to comply with the Swiss Data Protection Act (DSG) in connection with customer data and the processing of personal data. Further information can be found in the privacy policy at https://www.financephoenix.ch/privacy-policy.
5. Dealing with conflicts of interest
Finance Phoenix attaches great importance to providing its clients with independent advice. Conflicts of interest that may arise in the provision of insurance services are avoided as far as possible through organizational measures and Finance Phoenix takes care to exclude any disadvantages to clients due to conflicts of interest. However, if such disadvantages cannot be ruled out, Finance Phoenix will disclose them to its clients.
Further information on this topic can be requested from Finance Phoenix at any time.
6. Liability reporting office
Finance Phoenix carries out its assignments to the best of its knowledge and with the greatest possible care. In the event of complaints in connection with negligence, errors or incorrect information in the context of brokerage activities, the owner of Finance Phoenix, Ms. Nadine Hunkeler, should be contacted.
7. Compensation to Finance Phoenix
Finance Phoenix receives management fees and other monetary or non-monetary benefits (“compensation”) in connection with the provision of certain services. This compensation is based on independent agreements between Finance Phoenix and insurance companies or other third parties. Finance Phoenix undertakes to provide the client with comprehensive and detailed written information on current management compensation at any time upon request. Finance Phoenix is entitled to this compensation and it will not be passed on to the client. This circumstance is taken into account when determining the fee between Finance Phoenix and the client.
The compensation or the compensation structure will be communicated to clients with product-specific information or in another suitable manner.
If Finance Phoenix receives compensation from insurance companies or third parties that would be subject to a statutory obligation to deliver to customers without an agreement to the contrary, the customer hereby expressly waives any such delivery.
