The use of Groupe Mutuel’s platforms is governed by the General Terms and Conditions of Use and the Privacy Policy. For the sake of transparency and security, we recommend that you read these charters and review their contents.
1. Purpose of the terms and conditions of use
These terms and conditions of use govern access to the Corporate Customer Area that has been made available by Groupe Mutuel Services SA (hereafter, Groupe Mutuel) for its Clients.
2. General description
Groupe Mutuel has made available to its Clients, in accordance with these terms and conditions, an online portal for reporting claims and managing services that Groupe Mutuel provides to the Client under separate agreements.
A description of the services available in the Corporate Customer Area can be accessed directly on the website of Groupe Mutuel. Groupe Mutuel reserves the right to modify these services and information at any time, or to add or remove features, depending on how the Corporate Customer Area evolves.
The Corporate Customer Area is used by the Client's employees or other auxiliaries.
3. Registration, access and authentication
3.1 Registration
A registration procedure is provided by Groupe Mutuel on its website https://www.groupemutuel.ch/accessrequest). The Client shall follow the guidelines outlined in the procedure. The Client is responsible for ensuring that the registration procedure is completed in full, on time and correctly, and undertakes to provide accurate data.
By making a formal request, the Client declares that it has read, understood and accepted these terms and conditions of use.
During the registration procedure, Groupe Mutuel shall provide means of authentication. Unless otherwise instructed in writing by the Client, Groupe Mutuel will send these means of authentication to the last address communicated by the Client. It is the Client's responsibility to ensure that it is able to receive the means of authentication and, subsequently, to use them.
To complete its registration, the Client shall enter the authentication data on the login page in order to receive, according to its choice, the double authentication code by SMS text message or email. The Client shall change the first personal password without delay. The user is free to choose the password. Groupe Mutuel recommends changing the password regularly. For security reasons, the password must not make it possible to identify the Client.
3.2 Access and authentification
Access by the Client to the Corporate Customer Area requires authentication as part of a multi-level connection procedure, in particular using the Client's user identification, personal password and double authentication code.
Anyone who provides Groupe Mutuel with valid authentication is considered to be authorised to use the Corporate Customer Area.
Groupe Mutuel may add to or modify the authentication procedure at any time. In particular, it may at any time introduce additional security levels or other security levels in line with the current state of the art.
4. Authorised persons
The Client takes all necessary measures to prevent unauthorised persons from accessing the Corporate Customer Area. It shall identify by name the persons to whom it grants access to the Corporate Customer Area and shall indicate all the required information concerning these persons, including their level of right of access (Owner, Admin, Super User, User).
The Client acknowledges that the level of access rights it grants to the person is such as to represent it legitimately in the context of the features provided in the Corporate Customer Area and defined in the table below. Groupe Mutuel may consider, regardless of the Client's situation, its entries in the commercial register and without further verification of the nature of the rightful claimant, that the person designated by the Client is authorised to act on the Client's behalf (apparent power of attorney).
The skills of the roles are as follows:
| Owner | Administrator | Super user | User | |
|---|---|---|---|---|
| Declarations of incapacity | ||||
| Report a case of illness or accident | ||||
| Send report for further information | - | - | ||
| Complete information in illness or accident report (e.g. the insured's salary) | - | |||
| Send report for approval | - | - | - | |
| Validate the information in a completed report | - | - | ||
| Send illness or accident report to Groupe Mutuel | - | - | ||
| Follow illness or accident report status | - | - | ||
| View indemnity payment | - | |||
| Receive and consult notifications | ||||
| Premium invoices | ||||
| View premium invoices | - | - | ||
| Access | ||||
| Request access | ||||
| View existing access to related contracts | - | - | ||
| Create/modify access to all contracts | - | - | - | |
In addition, it is the Client's responsibility to regularly update the list of persons who have access to the Corporate Customer Area. Groupe Mutuel undertakes, at the first written or electronic request of the Client, to withdraw as quickly as possible any access granted to a person whose access the Client no longer authorises.
The end of the contractual relationship between Groupe Mutuel and the Client means that all access to the Corporate Customer Area will be cancelled, subject to the three-month period for saving documents (Art. 10).
5. Client obligations
5.1 Technical requirements
The Client is responsible for providing the required technical infrastructure (including hardware and software) for access to the Corporate Customer Area. This requires a terminal with an Internet connection and a current Internet browser. Other system requirements may be made known to the Client in the Corporate Customer Area. The Client acknowledges that technical requirements may change at any time.
5.2 Due diligence requirements
The Client is responsible to Groupe Mutuel for any use of its access by itself and its users, as well as for the content of the information it has its users transmit or Groupe Mutuel process.
The Client must never disclose or transmit authentication tools to unauthorised persons (neither verbally, nor in writing, nor in electronic form). Any recording or unprotected electronic backup of authentication instruments is prohibited. The Client shall regularly change its password. For security reasons, the Client shall choose passwords that cannot be used to identify it personally.
If the Client has reason to believe that the personal password has come to the knowledge of an unauthorised third party or that the device used to access the Corporate Customer Area is in the hands of a third party, the Client must change it immediately. In the case of user identification, the Client must immediately inform Groupe Mutuel so that it can take all necessary measures as soon as possible.
The Client shall ensure that unauthorised persons cannot manipulate its electronic devices (e.g. computer, notebook/laptop, mobile phone, tablet, etc.) or its computer programs. In particular, the Client shall take all necessary precautions to prevent damage to its technical equipment and the software required. In addition, the Client shall regularly update the security of its operating system, all its programmes and applications. Groupe Mutuel declines all responsibility in the event of non-compliance.
The Client shall keep itself up-to-date on the required security precautions and reduce the security risks arising from use of the Internet by using appropriate security measures (in particular anti-virus software and firewalls).
The Client shall bear all risks and damages resulting from the awareness by a third party of the means of authentication allowing access to the Corporate Customer Area, and from the use, even misuse, of these means.
6. Data protection
Data protection and data security are a priority for Groupe Mutuel. With regard to the collection, processing, communication and use of its Clients' personal data, Groupe Mutuel is subject to compliance with the legal framework, in particular the Federal Law on Health Insurance, the Ordinance on Health Insurance as well as Federal Law on Data Protection (LPD/DSG).
Groupe Mutuel shall inform the Client in advance of any processing of data for other purposes via the Corporate Customer Area. In accordance with the legal provisions on data protection, the Client may accept or refuse certain types of data processing.
The Client undertakes to comply with the Law on Data Protection (LPD/DSG). The Client undertakes to ensure that the data sent to the Corporate Customer Area will be used only to report a claim or to administer certain services that Groupe Mutuel provides to the Client under separate agreements.
7. Confidentiality
Groupe Mutuel is subject to legal obligations regarding confidentiality, in particular medical confidentiality and data protection. It takes technical and organisational measures to secure the data it makes available to its insured persons. To protect access to data, the Client undertakes to keep confidential its user name, password and the code from the authentication system and to protect them from fraudulent use.
8. Liability
Groupe Mutuel is not liable for any direct or indirect damage within the limits of the legal provisions. Furthermore, Groupe Mutuel excludes all liability for damage resulting from incorrect or abusive use of the Corporate Customer Area by the Client or by persons to whom the Client has granted access to the Corporate Customer Area (Owner, Administrator, Super user, User).
Liability is also excluded for damage suffered in particular in the following cases:
9. Changes to the terms and conditions of use
Groupe Mutuel reserves the right to amend at any time these terms and conditions of use. These modifications will be communicated to the Client via the Corporate Customer Area or any other means deemed appropriate by Groupe Mutuel and will be considered as approved, unless the Client gives notice to the contrary within one month.
These terms and conditions of use may be supplemented by technical appendices or practical recommendations. The appendices and practical recommendations form an integral part of these terms and conditions of use. They may be amended, supplemented or withdrawn at any time by Groupe Mutuel.
10. Withdrawal of access and consequences
In principle, access to the Corporate Customer Area is not limited in time, provided that the Client has one or more insurance policies with a company belonging to Groupe Mutuel. However, the Client may request that its access be closed. Access will then be withdrawn by Groupe Mutuel.
The Client will have a period of three months to save its documents, after which the withdrawal of access to the Corporate Customer Area will be definitive.
When the access to the Corporate Customer Area has been opened for several insurance coverages (accident, loss of earnings, LPP/BVG insurance contracts), if the contractual relationship undergoes a modification, Groupe Mutuel reserves the right to adapt the access to the Corporate Customer Area accordingly without further notification.
Groupe Mutuel reserves the right to suspend at any time, without prior notice and without giving reasons, temporarily or permanently, the access of the Client or certain users to the Corporate Customer Area without obligation to pay compensation, insofar as this appears appropriate for objectively justified reasons, in particular in the event of a breach of one of its provisions, in the event of abuse of any kind, or in the event of repeated non-compliance with practical recommendations. It will inform the Client of any such suspension as soon as possible.
11. Intellectual property
All rights relating to the elements of the Corporate Customer Area (copyright, patent rights, design rights, etc.) continue to be held by Groupe Mutuel or authorised third parties.
The elements may only be used by the Client in the context of the Corporate Customer Area. Access to and use of the "Corporate Customer Area" does not give any right to use the items outside of this framework.
12. Language
These terms and conditions are drawn up in French. In the event of any discrepancy, the French version shall prevail. This is without prejudice to any translations of the conditions into another language.
13. Jurisdiction and applicable law
These terms and conditions of use and all questions, claims or disputes arising from them or which may arise as a result of them, in particular concerning their creation, validity and interpretation, are subject to Swiss substantive law; Martigny is the exclusive place of jurisdiction.
Groupe Mutuel Services SA
Groupe Mutuel is committed to the protection of personal data and has taken steps to ensure that it complies with regulations at all times, and to provide greater transparency and security in the processing of the personal information of policyholders and all other persons concerned.
1. Purpose - Why a Privacy and Data Protection Policy?
This policy applies to data processing carried out by companies owned by Groupe Mutuel Holding SA, CHE-380.572.440, Rue des Cèdres 5, 1919 Martigny, Switzerland ("Groupe Mutuel").
Its purpose is to inform you about the way in which Groupe Mutuel, as responsible for data processing, processes your personal data and about the commitments and practical measures taken to ensure that this data is respected and protected.
It applies to the processing of personal data relating to:
The policy may be amended at any time, in particular in accordance with legal and regulatory developments. The current version is the one published on the website www.groupemutuel.ch.
2. Data Processing Regulations – What additional documentation applies?
Groupe Mutuel has also defined rules on its internal organisation, data processing and control procedures, as well as measures to guarantee data security in its Data Processing Regulations, which apply to all data processing carried out by Groupe Mutuel.
3. Categories of data processed – What data do we process?
| For users of the website and platforms |
|
| For customers |
|
| For prospective customers |
|
| For job applicants |
|
| For other persons in contact with Groupe Mutuel |
|
4. Security measures – How is your data protected?
Groupe Mutuel processes your personal data in compliance with the applicable data protection legislation and takes all the organisational and technical security measures necessary to prevent the unauthorised violation, access, disclosure, modification or destruction of your data in general and your personal data in particular.
5. Retention period – How long is your data kept?
Groupe Mutuel retains personal data for as long as is necessary to fulfil the purposes for which it was collected and to comply with its legal retention obligations.
In this respect, and subject to the legal retention obligations applicable to Groupe Mutuel (in particular in the event of accidents, disputes, etc.), our customers' personal data is kept for the entire duration of the contractual relationship plus a period of ten (10) years, in particular for purposes of proof.
The personal data of prospective customers is kept for a period of three (3) years from the date of collection or the last contact from the prospective customer.
The personal data of job applicants is kept for a period of six (6) months from the date of collection or the last contact from the applicant.
The personal data of survey participants is kept for a maximum of ten (10) years from the date of collection.
The personal data of website users is kept for a period of thirteen (13) months from the date of collection.
The personal data of other persons who have contacted Groupe Mutuel is kept for three (3) months in the case of telephone calls (audio recordings of calls). A call history containing the telephone number, date and duration of the call is kept for six (6) years. When a person contacts Groupe Mutuel by post or email, the personal data contained in these exchanges is kept for a maximum of eleven (11) years, in particular for purposes of proof.
6. Purpose of processing – Why is your data processed?
| For users of the website and platforms |
|
| For customers |
|
| For prospective customers |
|
| For job applicants |
|
| For other persons in contact with Groupe Mutuel |
|
| For all |
|
7. Transfers & Outsourcing – To whom and where is your data transferred?
Groupe Mutuel works with partners and subcontractors and may communicate personal data to them in this context. In such cases, Groupe Mutuel ensures that these partners and sub-contractors meet the same requirements as Groupe Mutuel in terms of data protection and information security.
Groupe Mutuel may also transfer your personal data outside Switzerland, within the European Union or abroad to countries that do not offer a level of protection equivalent to that of Switzerland, in particular to the United States. In such cases, Groupe Mutuel will put in place the necessary measures and appropriate safeguards to cover such transfers.
8. Services offered by third parties – How are services offered by third parties managed?
The processing of personal data by third-party service providers is governed by their own privacy policies. As these third parties use your data, in particular for tracking and advertising purposes, Groupe Mutuel recommends that you consult these data processing policies.
a. Access to third-party service accounts
Your access to and use of the platforms may give third-party service providers access to your personal data. These features are not enabled automatically but require your express permission. For example, the platforms may connect and transmit your personal data to social networks such as Facebook, X or LinkedIn, if you use certain features (e.g. social plug-ins).
b. Registration and authentication
The platforms may allow you to register and/or authenticate to use certain features, using third-party services. For example, platforms may allow you to register and/or authenticate via your personal Facebook profile. In this case, personal data is exchanged between Facebook and the platforms concerned. Personal data collected in this way by Groupe Mutuel is processed in accordance with this policy.
c. Geolocation-based interactions
Platforms may collect, use and share your location data in order to provide you with location-based services. Most browsers and electronic devices provide tools to disable this feature by default. If you have given your consent, your geolocation data may be tracked by Groupe Mutuel platforms. Groupe Mutuel recommends that you properly configure your mobile device to accept or refuse your geolocation.
d. Third-party web pages
Platforms may contain links to web pages that are not managed by Groupe Mutuel and are not related to Groupe Mutuel (hereafter referred to as "third-party web pages"). The use of such links is at the user's own risk. Groupe Mutuel is neither competent nor responsible for monitoring or assessing the content of such third-party web pages. The contents of third-party web pages do not reflect the opinion of Groupe Mutuel. Groupe Mutuel therefore accepts no liability whatsoever for the content of third-party web pages, in particular with regard to their accuracy and comprehensiveness.
9. Cookies and other tracking technologies
In order to enable the operation and improve the use and functionality of the Groupe Mutuel website and platforms, we use different types of "cookies" (strictly necessary, performance, functionality, for targeted advertising and for social networks) and other similar technologies such as "pixel tags", which may process personal data by storing it in or retrieving it from your browser.
“Cookies" are small text files that contain, for example, an identification number and are stored on your electronic device. The information generally does not allow you to be identified directly. They allow Groupe Mutuel to improve customer service and to recognise visitors who have previously consulted its platforms, in particular in order to personalise the content displayed on the platforms you consult. When you access and use the platforms, a cookie identifies your electronic device. Groupe Mutuel also uses cookies to measure and monitor traffic, platform usage and platform performance. A "pixel tag" serves a similar purpose, but does not install files directly on your electronic device.
You have the option of not authorising certain types of cookies. To do so, you can configure your Internet browser and/or electronic device or use our dedicated preferences centre. This appears automatically when you access our website for the first time. It should be noted, however, that certain cookies are essential to the operation of the platforms, their use or certain of their features, which could be altered, limited or not function in the event of a general blocking of cookies (strictly necessary cookies). Groupe Mutuel recommends accepting all cookies and not deleting them in order to improve the user's browsing experience and to improve the platforms.
Some cookies may be placed by third parties (e.g. Google). In some cases, Groupe Mutuel has no control over the placement of such cookies by third parties, in particular when you visit their websites. On the other hand, Groupe Mutuel may use cookies to recognise you when you visit third-party websites and to display advertising for its products and services, in particular.
Some cookies are stored on your electronic device only for the duration of your access and use of the platforms (session cookies), while others persist for a specific period of time (persistent cookies).
For more information on cookies, please visit the website www.allaboutcookies.org. You can consult the user help sections of your web browser for further instructions on how to manage your cookies.
10. Specific provisions – What are the particularities?
a. Offer & premium calculator
During the initial negotiation phase with Groupe Mutuel, as a matter of principle, you may, if you wish, save your session at any time and resume it within 30 days. During this period, your data will be stored in the Groupe Mutuel databases. Once the 30-day period has elapsed, your data will be automatically deleted if you have not finalised your offer and insurance contract or contacted Groupe Mutuel again.
b. Contact form
Some Groupe Mutuel platforms may offer you the possibility to contact Groupe Mutuel by email, via contact forms, premium calculator, chat or any other telecommunication software. The personal data you send to Groupe Mutuel through these platforms is processed by Groupe Mutuel under the conditions set out in this policy.
c. Recruitment platform
It is also possible for job applicants to apply directly to Groupe Mutuel via our recruitment platform. In this case, your application will be examined solely based on your professional qualities in relation to the profiles sought or the position for which you are applying. The various selection stages are documented and guarantee the quality of the recruitment. Groupe Mutuel will keep you regularly informed of the progress of the procedure and applies the principles of non-discrimination in recruitment.
For this purpose, your personal data is only accessible to the Groupe Mutuel human resources management department and to the employees responsible for your recruitment.
Information concerning your application must be accurate, truthful and up-to-date and must not be incomplete, misleading or deceptive. Groupe Mutuel would like to remind you that any inaccurate information may result in the termination of an employment contract. Groupe Mutuel therefore reserves the right to delete your profile and/or attached documents if your application does not correspond to the aims of the job advertisement.
You’re attached documents, your professional and training data, as well as your consent, will be deleted six months after your application if it has not led to a commitment. With your consent, Groupe Mutuel will keep your data in its database for longer in order to be able to submit another job vacancy to you if necessary.
d. The “Voice of the Customer” community
The Voice of the Customer community is a Groupe Mutuel initiative aimed at gathering the needs and expectations of our customers in order to improve our services. As a customer, you have the opportunity to take part in Groupe Mutuel surveys in which you share your opinion on our various projects, contribute to the development of our products and services, and receive rewards for your participation. For each study, a random selection is made according to the criteria sought from among the customers who are part of the community. When you are invited to take part in a study and inform Groupe Mutuel of your interest, you will receive an overview of the project or topic on which your opinion is needed. Participation in Voice of the Customer activities is on an exclusively voluntary basis by accepting the terms and conditions of participation in the Voice of the Customer programme. You can therefore unsubscribe at any time by sending an email to voiceofcustomer@groupemutuel.ch or by clicking on the link “unsubscribe” in the electronic media sent to you. As part of the management of the community and in order to avoid too frequent contact, the history of participation in the various studies is kept. Groupe Mutuel also processes your contact details in order to be able to send you your payment.
11. Your rights – How to exercise them and contact us?
You have the right to access your personal data, to have this data corrected, to have it deleted within the limits of the applicable legal provisions, to have the processing of your data restricted, to obtain the portability of your data and, finally, to withdraw your consent to the processing of your personal data, subject in particular to the processing necessary for the performance of a contract. You may also contact the competent supervisory authority. However, Groupe Mutuel advises you to contact our services beforehand.
To do this, or if you have any questions or requests relating to the processing of your personal data by Groupe Mutuel, you can write to us at:
Groupe Mutuel
Data Protection Officer
Rue des Cèdres 5
P.O. Box
1919 Martigny
Or by email: dataprotection@groupemutuel.ch
For reasons of security, proof and to avoid fraudulent requests, your request must be accompanied by proof of identity.
12. Applicable law & Jurisdiction – How do we manage our disputes?
This policy and the use of the platforms are governed by Swiss law. Any dispute relating to or connected with this policy, the platforms or arising from their use shall be submitted to the exclusive jurisdiction of the competent courts in the district of Martigny, subject to any mandatory jurisdiction.
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