Privacy policy

Bavio (“we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you interact with our website, platform, and services.

Information We Collect

When you use our website or interact with Bavio, we may collect personal information such as your name, email address, company details, and any information you provide through forms or correspondence.

When using the Bavio advisor, we may collect additional information required to deliver pension education or simulations, such as salary ranges, tax class, employment status, or employer-specific bAV rules. This information is only processed with your consent and for the purpose of providing our service.

We also collect usage data, including IP address, browser type, pages visited, time spent on the site, and device information. We use cookies and similar technologies to improve your experience, analyze traffic, and enhance functionality.

How We Use Your Information

We use personal data to:

• Provide and operate the Bavio advisor

• Respond to inquiries and support users

• Generate non-binding pension simulations

• Create structured case files for your broker or insurer (only with your consent)

• Improve and optimize our product and user experience

• Send updates or communications you have opted into

• Comply with legal and regulatory requirements

We do not issue financial products and do not make binding recommendations. Any regulated advice is provided exclusively by licensed advisors.

How We Share Information

We do not sell or rent your personal information.

However, we may share data with trusted third-party service providers who help us operate our website and platform, including hosting providers, analytics tools, and secure authentication partners.

If you choose to forward your information to a broker or insurer, we will only share the data explicitly required and only with your affirmative consent.

We may also disclose information if required by law or to protect our legal rights and the security of our platform.

Data Security

We take reasonable and appropriate technical and organizational measures to protect your data from unauthorized access, loss, or misuse. However, no online system can be guaranteed 100% secure, and we encourage you to use strong passwords and secure networks when accessing our services.

Our platform may contain links to external websites. We are not responsible for their privacy practices, and we recommend reviewing their policies individually.

Your Rights

Depending on your location, you may have the right to:

• Access the personal data we hold about you

• Request corrections to inaccurate or incomplete information

• Request deletion of your data (subject to legal obligations)

• Withdraw consent at any time

• Opt out of marketing communications

• Request a copy of your data in a portable format

To exercise these rights, contact us at: info@bavio.eu.

Changes to This Policy

We may update this Privacy Policy occasionally to reflect changes in our practices, legal requirements, or platform improvements. Any updates will be posted on this page with a revised “Last Updated” date.

Please check this policy periodically for changes.