Privacy policiesPrivacy policies

Copyright and trademark rights

All content on the palaraiffeisen.ch website is protected by copyright. All rights belong to the City of Lugano or third parties. Elements on the palaraiffeisen.ch website are freely accessible for browsing purposes only. Reproduction of the material or any part thereof in written or electronic form is permitted only by explicitly mentioning palaraiffeisen.ch.It is prohibited to reproduce, transmit, modify, link or use palaraiffeisen.ch for public or commercial purposes without our prior written consent. Please contact palaraiffeisen@lugano.ch. The various names and logos on the palaraiffeisen.ch site are in the normal course registered and protected trademarks. No part of the palaraiffeisen.ch website is designed to grant a license or right to use an image, trademark or logo. By downloading or copying the palaraiffeisen.ch site or parts of it, no rights are transferred with respect to software or elements contained on the site and palaraiffeisen.ch. We reserve rights to all elements on the palaraiffeisen.ch site, except for the rights of third parties.

No warranty

While we have taken the utmost care to ensure the reliability of the information contained on the palaraiffeisen.ch site at the time of its publication, neither we nor our contractual partners can explicitly or implicitly warrant or guarantee (including to third parties) the accuracy, reliability or completeness of the information on the palaraiffeisen.ch site. Any opinions and other information on the palaraiffeisen.ch site may be changed at any time without notice. We take no responsibility for and do not guarantee that the functionality of the palaraiffeisen.ch site will not be interrupted or that the site or the respective server is free of viruses or other harmful components.

Limitation of liability

If a contractual relationship exists between us and the user of the palaraiffeisen.ch site or another of our services, we are only liable for damages caused by gross negligence or willful misconduct. We assume no responsibility for damages caused by an auxiliary. We are not liable for lost profits, loss of data, or other direct, indirect, or consequential damages resulting from access to or use of the elements of palaraiffeisen.ch or from the inability to access or use them, as well as from the presence of links from other websites or technical problems.

Links to other websites

The palaraiffeisen.ch website contains links to other websites that may be of interest to users. When you activate such links, in some cases you leave the palaraiffeisen.ch site or parts of the other websites within the palaraiffeisen.ch site are displayed. City of Lugano has not carried out any checks on the other websites linked to the palaraiffeisen.ch website and is in no way responsible for the content or operation of these other websites. This applies regardless of whether by activating a link one leaves the palaraiffeisen.ch website or instead parts of the other websites are displayed within the website and even if, in the latter case, the information provider of another website is not immediately apparent. The creation of such a link or consultation of other websites is solely at the user's own risk.

General Information

All personal data collected during registration or during use of the website and protected by the Federal Data Protection Act (DPA) or the General Data Protection Regulation (GDPR) will be used exclusively for the purpose of executing the contract, unless the user expressly consents to a broader use, in particular pursuant to this data protection declaration, or unless the applicable law allows it.

Our employees are obligated to treat personal data confidentially.

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Scope and purpose of the collection, processing and use of personal data

Personal data collected

We may collect users' personal data (if applicable, company name, name, address, email, etc.), data on purchased services, payment data, online preferences, and customer feedback. We use this personal data to communicate with users, to conclude and execute business transactions with them, for the purpose of technology operation, for billing purposes, to conduct market research and for marketing purposes, to analyze our customer base, or to send users mail, e-mail or text messages.
We may collect personal data on users' creditworthiness to protect us against non-payment.
Browsing and usage data are then also collected, such as, for example, the IP address, device, browser, and browser version used to visit the technology and when, the operating system used, from which site or app our technology was accessed via a link, and what elements of the technology were used and how. This personal data is stored along with the IP address of the accessing device. They are used to properly display and optimize our technology, to protect against attacks or other breaches, and to personalize the technology for users.

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Access to the palaraiffeisen.ch website.

When users visit our site, our servers temporarily store all access in a log file. In this context, the following user and device data as well as the following personal data are collected without user intervention, which are then stored by our host (ISP - Internet Service Provider):

• the IP address of the computer used (Anonymized)
• the date and time of access
• the name and URL of the page consulted
• the website from which the access was made
• the operating system of the computer and the browser used
• the country from which the access was made and the language settings of the browser

The purpose of collecting and processing this data is to enable the use of our website (connection), to ensure the security and stability of the system on a permanent basis and to optimize our Internet site and also serves internal statistical purposes. All this constitutes our legitimate interest in the processing of personal data. The IP address is mainly used to record the country of residence of the site visitor. In addition, in case of attacks on the network infrastructure of palaraiffeisen.ch, the IP address is analyzed for statistical purposes. While browsing our technology, we then use so-called pixels and cookies to have personalized advertising displayed and use web analytics services.

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Use of our contact forms

You can use the contact form to contact us. You must enter the following personal information:

• appellation
• first and last name
• address (street, house number, location, zip code)
• telephone number
• e-mail address

We will indicate the mandatory items (*). Failure to provide this information may prevent the provision of our services. The inclusion of personal data in the other fields is optional. You may notify us at any time to revoke the processing of these voluntarily provided personal data (see section "Users' Rights"). Providing other information is optional and does not affect the use of our technology.
We use this data only to be able to respond to the request transmitted with the contact form in the best possible way and in a personalized manner. The user may notify us at any time to revoke the processing of this voluntarily provided personal data (see section "Users' Rights").

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Subscription to our newsletter

Users have the opportunity to subscribe to our newsletter on our website. To subscribe to our newsletter, you must register. In the course of registration, the following data must be provided:

• e-mail address

The e-mail address is essential for sending the newsletter. Users can voluntarily give us their appellation and name so that we can call them by name when we send our offers.

By registering, users give their consent to the processing of the given data in order to send newsletters regularly to the specified address, to evaluate for statistical purposes user behavior, and to optimize the newsletters. We have the right to engage third parties for the technical management of advertising measures and to transmit users' data for this purpose. At the bottom of each newsletter users will find a link that will allow them to unsubscribe at any time. We expressly point out data analysis in the context of sending newsletters (see the section below "Analysis of Newsletter Usage").

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Transfer of data to third parties

We transfer users' personal data with their express consent if required by law or if necessary to enforce our rights, in particular to exercise rights arising from the relationship between the user and the City of Lugano (e.g., debt collection companies, authorities and lawyers). We transfer users' personal data to third parties as long as necessary in the context of using technology to provide the requested services, such as outsourcing partners, hosting companies, companies with whom we offer products and services on our technology (e.g., for booking, renting, purchasing, etc.), companies that advertise on our behalf, and in the context of analyzing user behavior.

When we transfer users' personal data to third parties, we provide sufficient contractual guarantees that such third parties will use the personal data in accordance with legal requirements and only in our interest.

If the technology contains links to other websites, by clicking on such a link City of Lugano no longer has any control over the collection, processing, storage and use of personal data by the third party and assumes no responsibility in this regard.

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Transfer of personal data abroad

City of Lugano also has the right to transfer users' personal data to third parties (commissioned operators) abroad, if this is necessary for the purposes of processing personal data referred to in this data protection declaration. These third parties are bound by the same obligations to which we ourselves are subject with regard to personal data protection. If the level of personal data protection in a country does not correspond to that in Switzerland or the EU, we contractually guarantee that personal data protection always corresponds to that in Switzerland or the EU.
For the sake of completeness, we would like to point out, for users residing or domiciled in Switzerland, that in the United States the authorities are taking control measures that generally allow all personal data of all individuals whose data has been transferred from Switzerland to the United States to be saved. This is being done without any difference, limitation or exception whatsoever, pursuing its own objective and without an objective criterion to limit the U.S. authorities' access to the data and their subsequent use for specific and circumscribed purposes, which would be capable of justifying the interference perpetrated in relation to access to these data and also their use. It is also pointed out that, for data subjects from Switzerland, there are no legal remedies in the United States that would allow them to access the data concerning them and request its rectification or deletion, and that there is no effective judicial protection to defend themselves against the general power of intervention of the U.S. authorities. This factual and legal situation is expressly brought to the attention of those affected, in order to enable them to make a well-considered decision as to whether or not to give consent to the use of their data. It is pointed out to users residing in EU member states that, from the perspective of the European Union, the United States does not guarantee a sufficient level of protection of personal data, in light of, among other things, the issues discussed in this section. Since we have explained in this data protection statement that data recipients (such as Google, Facebook, or Twitter) are based in the United States, we will ensure, through contractual agreements with these companies, that users' personal data are protected to an adequate level by our partners.

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Data Security.

We take appropriate technical and organizational security measures to protect users' personal data stored by us from manipulation, total or partial loss and unauthorized access by third parties. Our security measures are constantly being improved in line with technological developments. Users should always treat their information as confidential and close the browser window when they stop communicating with us, especially if they share the computer with other people. The protection of personal data within the company is also very important to us. Our employees and the service companies contracted by us are required to maintain the confidentiality of information and comply with current data protection regulations.

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Cookies

We use cookies in our technology. Cookies help in many ways to make browsing our site easier, more enjoyable, and more useful. Cookies are text files that contain packets of information that your browser automatically saves to your computer's hard drive when you visit our site.

Session cookies are used, during a given access to our site (e.g., in the online store), to clearly associate the information saved at the server level with the user or their browser each time they log in (e.g., so that what was put in the shopping cart is not lost). Session cookies are deleted after closing the Internet browser. Persistent cookies are used to keep your settings stored (e.g., your preferred language) every time you access our site, i.e., even after you close your web browser, or to allow automatic login. Permanent cookies are deleted according to your browsing browser settings (e.g. one month after your last visit). By using our site, but also its functionality (e.g. language choice or automatic login), you consent to the use of persistent cookies.

Cookies do not damage your computer's hard disk and do not transmit personal data of users to us. We use cookies, for example, to personalize the information, offers, and advertising provided based on users' interests. Their use does not result in the receipt of new personal data from the user browsing the Internet. Most web browsers accept cookies automatically. However, you can configure your browser so that no cookies are stored on your computer or so that you are always notified when a new cookie is received. By disabling cookies you may not be able to use the full functionality of our site.

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Tracking tools

Our site uses so-called tracking tools. These tracking tools allow us to monitor users' browsing behavior on our site. Such monitoring is intended to meet the needs of users and continuously optimize our site. In this context, pseudonymized user profiles are created and small text files stored on the computer ("cookies") are used.
In this regard, third parties may also use persistent cookies, pixel tags or similar technologies. Third parties do not receive personal data from us, but they may monitor users' use of our site, associate this information with data from other sites visited by users and equally monitored by third parties, and use these results for their own purposes (e.g., to advertise). Thus, the processing of users' personal data by third parties takes place under the responsibility of the respective service provider, in accordance with its own data protection regulations.
The following tracking tools are used:

Google Analytics

Google Analytics is a service of Google Ireland Limited ("Google"), Gordon House, Barrow Street, Dublin 4, Ireland (Registration number: 368047). We use Google Analytics on our site to create anonymous analyses of site usage. In this regard, a cookie is used and the recorded session data is sent to Google.

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Analysis of newsletter usage

We use third-party e-mail marketing services to send our newsletters. Our newsletters may therefore contain a so-called web beacon or similar technical tools. A web beacon is a non-visible graphic with a size of 1x1 pixel, related to the user ID of each newsletter subscriber. This pixel is activated only when viewing the images contained in the newsletter. Using special services it is possible to analyze whether emails containing our newsletters have been opened. In addition, in this way it is also possible to monitor and analyze what newsletter recipients have clicked on. This data is used for statistical purposes and to optimize the content and structure of the newsletters. This allows us to tailor the information and offers in our newsletters even more closely to the interests of our readers. The web beacon is deleted when you delete the newsletter. To disable tracking pixels in our newsletters, simply set your e-mail program so that the messages cannot be displayed in HTML format.

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Automated decision making/profiling

As a general rule, we (or third parties commissioned by us) do not make automated decisions involving users' personal data that have legal consequences for users or otherwise seriously harm users.

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Legal basis for the processing of personal data

The legal basis for the processing of personal data by us should generally be identified in Article 13(2)(a) of the DPA (processing in direct connection with the conclusion or performance of a contract; in line with Article 6(1)(b) of the GDPR) and Article 13(1) of the DPA (consent of the data subject or obligation to process data required by law; in line with Article 6(1)(a) of the GDPR). In cases where, as a result of abuse, non-payment, or for similar legitimate reasons we wish to deny the conclusion of contracts with data subjects in the future, we reserve the right under Article 13(1) of the DPA (in line with the provisions of Article 6(1)(f) of the RGPD) to retain in its own interest the name, surname, address, and e-mail address of the data subject, as well as data relating to the factual circumstances of the specific case. The processing of users' personal data by other Group companies is likewise based on Article 13(1) of the DPA (in line with Article 6(1)(f) of the RGPD).

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Users' rights

Upon specific request, we inform data subjects whether or not personal data concerning them is being processed and, if so, what personal data is being processed (right to obtain confirmation, right to access personal data). At the specific request of the data subject,

• Give up all or part of the processing of personal data (right to revoke one's consent to the processing of non-mandatory personal data, right to be forgotten). The request for deletion of personal data concerning users will also be communicated to third parties to whom we had previously transmitted the personal data in question
• We rectify such personal data(right of rectification)
• We restrict their processing (right to restrict processing; in this case, we will retain only users' personal data or use them to defend our rights or the rights of another person in court)
• Users will receive in a structured, commonly used and machine-readable format personal data concerning them (right to data portability)

To request the exercise of any of the rights in this section, such as if you no longer wish to receive e-mail newsletters or if you wish to cancel your account, simply use the appropriate function on our site or contact our Data Protection Officer or a staff member as indicated at the beginning of this Data Protection Statement. If we do not act on a transmitted request, we will communicate the reasons for this. We may, for example, refuse to delete users' personal data, in a legally permissible manner, if they continue to be still necessary for the initial purposes (e.g. if the user continues to purchase a service from us), if the data processing is required by mandatory regulations (e.g. by legal accounting provisions), or if we have an overriding personal interest (as in the case of litigation against the data subject). Should we assert an overriding interest in the processing of personal data against the data subject, the data subject still has the right to object to the processing on grounds related to his or her particular situation that override the interests of other data subjects (right to object). This could be the case, for example, if the data subject is a person of public interest or if the data processing involves the risk of the data subject being harmed by a third party. If the data subject is not satisfied with our response to his or her request, he or she has the right to lodge a complaint with a competent supervisory authority, e.g. in his or her country of residence or in the place where the registered office of the City of Lugano is located(right to lodge a complaint).

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Data Retention.

We process personal data only for as long as necessary to achieve the intended purpose or as required by law. If you have created an account with us, we will retain the master data specified therein indefinitely. The user may, however, request deletion of the account at any time (see section "Users' Rights"). We will delete the master data unless we are required by law to retain it. In the event that you have submitted an order without creating your own account, your master data will be deleted upon expiration of the warranty period or termination of service, provided that we are not required by law to retain it. Such deletion may be done immediately or in the course of deletions performed periodically .

Contractual data that may also include personal data will be retained by us until the expiration of the legally required retention period of 10 years. The obligation to retain data arises from, among other things, accounting, tax and fiscal regulations as well as the obligation to retain electronic communications. If we no longer need this data to perform services for the user, this data will be blocked. This means that the data can then only be used for accounting and tax purposes.

In the event that we no longer wish to have any further business contact with a data subject as a result of abuse, non-payment, or for other legitimate reasons, we will retain the relevant personal data for five years, in the case of repeat offenses for ten years.

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Opt-out/opt-in option

If you do not want us to proceed with the analysis of your usage data, you can deactivate the relevant function. The deactivation of tracking is done by activating a so-called "opt-out cookie" in your system. Please note that should you delete all cookies, the opt-out cookie will also disappear and may have to be reset again.
Please note that the list below lists opt-out options that include trackers that are sometimes also used by our partners and are not necessarily used on the site:

• Browser add-on to disable Google Analytics.
• Disabling the DoubleClick cookie
• Opt-out for quandcast targeting
• Opt-out for IntelliAd Targeting
• Opt-out for Bookatable

A good option for configuring a large number of cookies is available at youronlinechoices.com or at optout.aboutads.info
or you can install the Ghostery extension available for all major browsers.

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Applicable Law and Jurisdiction

This data protection declaration and contracts concluded on the basis of or in connection with it are governed by Swiss law, unless the law of another state necessarily has to be applied. The place of jurisdiction shall be that of the registered office of the City of Lugano, unless another forum is mandatory.

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Final Provisions.

The possible invalidity of one or more parts of this data protection declaration shall not affect the validity of the other parts of this declaration. As a result of any changes to our site and the products and services we offer or in the event of regulatory or administrative changes, it may be necessary to update this data protection declaration. The from time to time updated version of our data protection declaration is published on our website. 03.06.2025. If you have any questions or comments about our legal or data protection notices, please contact us at palaraiffeisen@lugano.ch.