Terms and Conditions

1. Introduction

Welcome to GGIC. GGIC refers to GlobeGuard Insurance Consulting (“we,” “our,” “us”). These Terms and Conditions (“Terms”) govern your use of our website https://ggic.ch.

By accessing our website, you confirm that you accept these Terms. If you do not agree, please do not continue to use our website.

2. Legal Compliance & Regulatory Information

GGIC, GlobeGuard Insurance Consulting operates in compliance with Swiss financial regulations and data protection laws, including:

• Swiss Financial Market Supervisory Authority (FINMA) regulations for insurance intermediaries.

• Federal Act on Data Protection (FADP/LPD) governing the collection, processing, and storage of personal data.

• General Data Protection Regulation (GDPR) for users in the European Union.

We are registered in Switzerland and comply with local laws regarding insurance brokerage.

3. Use of Cookies

Our website uses cookies to enhance your browsing experience. Some cookies are essential for site functionality, while others require your explicit consent before being stored.

By using our website, you agree to our Cookie Policy, which provides details on how cookies are used and managed. You can change your cookie preferences at any time through your browser settings.

4. Intellectual Property Rights

Unless otherwise stated, all content on this website (text, images, logos, trademarks) is owned by GGIC, GlobeGuard Insurance Consulting or licensed for use.

You are not permitted to:

• Copy, reproduce, or distribute our content for commercial use.

• Modify or alter any content without prior written consent.

• Use our trademarks or brand elements without authorization.

5. User-Generated Content & Comments

Users may be allowed to submit comments or provide feedback on our website. However, by posting content, you agree that:

• Your comments must not violate intellectual property rights, contain defamatory or unlawful material, or promote any unauthorized business activities.

• GGIC, GlobeGuard Insurance Consulting reserves the right to review, remove, or refuse any comments deemed inappropriate or in violation of these Terms.

6. Links to Third-Party Websites

Our website may contain links to external websites operated by third parties. We do not endorse or take responsibility for the content, privacy policies, or practices of such sites.

If you wish to link to our website, you must ensure that:

• The link does not falsely imply any affiliation, sponsorship, or endorsement by us.

• It does not harm our reputation.

• We reserve the right to request the removal of any unauthorized links.

7. Data Protection & Privacy

Your privacy is important to us. Any personal information collected through our website is processed in accordance with our Privacy Policy, which complies with Swiss FADP (LPD) and GDPR standards.

By using our website, you consent to the collection and processing of your data as outlined in our Privacy Policy.

8. Disclaimer & Limitation of Liability

• We strive to ensure accurate and up-to-date information, but we do not guarantee completeness or uninterrupted availability.

• We do not accept liability for any direct, indirect, or consequential loss arising from your use of our website.

• Nothing in these Terms excludes liability for fraud, personal injury, or legal obligations under Swiss law.

9. Changes to These Terms

We may update these Terms from time to time. The latest version will always be available on our website, and continued use of our services will constitute acceptance of any modifications.

10. Governing Law & Jurisdiction

These Terms are governed by Swiss law. Any disputes arising from or related to these Terms shall be resolved in the courts of Zurich, Switzerland, unless otherwise required by mandatory legal provisions.

11. Contact Information

For any questions regarding these Terms, please contact us at:
📧 info@ggic.ch
📍 Härdlenstr. 104, CH-8302 Kloten