Privacy Policy

Our Commitment to Data Protection

At Ratio Anchor, we take your privacy seriously. This Privacy Policy explains how we collect, use, protect, and share information about you when you use our website and services.

We comply with applicable Swiss and European data protection laws, including the Swiss Federal Act on Data Protection and the General Data Protection Regulation where applicable. This policy is designed to help you understand your rights and our responsibilities regarding your personal data.

Information We Collect

Information You Provide to Us

We collect information you voluntarily provide when you:

• Fill out contact forms or inquiry forms
• Subscribe to our newsletter or communications
• Engage our services and become a client
• Communicate with us via email or phone

This may include your name, email address, phone number, company information, and any other details you choose to share with us.

Information Collected Automatically

When you visit our website, we automatically collect certain information about your device and usage, including:

• IP address and browser type
• Pages visited and time spent on our site
• Referring website or source
• Device and operating system information

This information is collected through cookies and similar tracking technologies. Please see our Cookie Policy for more details.

How We Use Your Information

We use the information we collect for the following purposes:

• Service Provision: To provide and deliver the accounting and bookkeeping services you request
• Communication: To respond to your inquiries and communicate with you about our services
• Client Management: To manage our relationship with clients and maintain accurate records
• Website Improvement: To understand how visitors use our website and improve user experience
• Marketing: To send you information about our services where you have consented or where we have a legitimate interest
• Legal Compliance: To comply with legal obligations and protect our legal rights
• Security: To detect, prevent, and address technical issues and fraudulent activity

Legal Basis for Processing

We process your personal data based on one or more of the following legal grounds:

• Consent: You have given clear consent for us to process your personal data for a specific purpose
• Contract Performance: Processing is necessary to fulfill our contractual obligations to you
• Legal Obligation: Processing is necessary for compliance with legal requirements
• Legitimate Interests: Processing is necessary for our legitimate business interests, provided these do not override your rights and freedoms

How We Share Your Information

We do not sell your personal information. We may share your information with:

• Service Providers: Third-party vendors who assist us in operating our website and providing our services, subject to confidentiality obligations
• Professional Advisors: Lawyers, accountants, and other professional advisors when necessary
• Regulatory Authorities: When required by law or to protect our legal rights
• Business Transfers: In connection with any merger, sale of company assets, or acquisition

All third parties with whom we share your data are required to respect the security of your personal data and treat it in accordance with applicable law.

How We Protect Your Data

We implement appropriate technical and organizational measures to protect your personal data, including:

• Encryption: Data transmission is encrypted using SSL/TLS technology
• Access Controls: Limited access to personal data on a need-to-know basis
• Secure Storage: Personal data is stored on secure servers with appropriate safeguards
• Regular Reviews: We regularly review and update our security practices
• Employee Training: Our staff are trained on data protection and security practices

While we strive to protect your personal data, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but commit to using industry-standard practices.

Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. Our retention periods are based on:

• The nature of the data and why it was collected
• Contractual obligations and service delivery requirements
• Legal and regulatory retention requirements
• Potential for legal claims or disputes

When personal data is no longer needed, we securely delete or anonymize it.

Your Rights and Opt-Out Instructions

Under applicable data protection laws, you have the following rights regarding your personal data:

• Right to Access: You can request a copy of the personal data we hold about you
• Right to Rectification: You can request that we correct inaccurate or incomplete data
• Right to Erasure: You can request deletion of your personal data in certain circumstances
• Right to Restriction: You can request that we limit how we use your data
• Right to Data Portability: You can request a copy of your data in a structured, commonly used format
• Right to Object: You can object to certain types of processing, including direct marketing
• Right to Withdraw Consent: Where processing is based on consent, you can withdraw it at any time

Children's Privacy

Our services are not directed to individuals under the age of 16. We do not knowingly collect personal data from children. If you believe we have collected information from a child, please contact us immediately so we can delete it.

International Data Transfers

Your personal data may be transferred to and processed in countries outside of Switzerland. When we transfer data internationally, we ensure appropriate safeguards are in place, including:

• Standard contractual clauses approved by relevant authorities
• Adequacy decisions recognizing equivalent data protection standards
• Other legally approved transfer mechanisms

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. We encourage you to review this policy periodically.