Terms of use

1. Purpose and acceptance

These terms (the “Terms”) govern the use of the my.prevancia.ch platform (the “Service”). The Service lets a person who has worked in Switzerland have their occupational pension assets (2nd pillar and vested benefits) searched for, follow the search in a personal space and, if they wish, be advised on pooling them with Liberty Vested Benefits Foundation.

The user accepts the Terms by ticking the box provided when sending their search request. The version accepted, the language, the date and the time are recorded. The Terms are available in French, German, Italian and English; in case of discrepancy, the French version prevails.

The language of the contract with Prévancia (terms of use) is the one the client chooses on the platform (French, German, Italian or English). In case of discrepancy between the versions, the French version prevails. The documents of Liberty Fondation de libre passage are drawn up in French; before signing them, the client receives an explanation of them in their language and confirms having understood it.

2. Operator and partners

The Service is operated by Prévancia Sàrl, Allée de la Petite Prairie 10, 1260 Nyon, Switzerland, entered in the commercial register of the canton of Vaud, UID CHE-405.988.190 (“Prévancia”).

Prévancia is a commercial partner of Liberty Vested Benefits Foundation, Steinbislin 19, P.O. Box 733, 6431 Schwyz (“Liberty”). Prévancia is not a pension institution; it neither holds nor manages the user's assets. The vested-benefits account is opened and managed by Liberty, under its own regulations.

Some advisors of M&F Conseil SA and HelveticAdvice may act as auxiliaries of Prévancia in providing the Service, following Prévancia's instructions and within the files entrusted to them. Prévancia remains the user's contact for the Service. The role of each company with regard to personal data is described in the privacy statement and the applicable agreements.

3. Nature of the Service and limits

The Service includes:

• the search: Prévancia contacts the Central Office of the 2nd pillar, then the pension and vested-benefits institutions it names, using the power of attorney signed by the user; it gathers the statements and shows them in the personal space;
• advice, on request: an interview with an advisor (by video, phone or in person), a risk profile and, if the user decides, the preparation of the documents to open an account with Liberty and of the transfer orders.

The search is free and without obligation. Prévancia does not guarantee that an asset will be found, that the results are exhaustive, or any reply time from the Central Office or the institutions. The user remains free not to transfer their assets, or to transfer them elsewhere.

The power of attorney for the search allows no transfer or withdrawal. A transfer takes place only after the user has signed Liberty's form and transfer orders.

4. Accuracy and cooperation

The user provides accurate, complete and up-to-date information, and a valid identity document (identity card or passport). They make no request on behalf of a third party. They report any relevant change (address, phone, new job).

5. Power of attorney and instructions

The search requires a separate power of attorney, signed on screen when the request is made. It is valid for one year at most and ends earlier when the search is completed or if it is revoked. The user may revoke it at any time in writing to mondossier@prevancia.ch or by post; steps already taken remain valid.

6. Account, security and availability

The personal space is protected by a one-time code sent by SMS or email at each sign-in. The user keeps their means of access to themselves and reports any suspicious access without delay to mondossier@prevancia.ch or on +41 21 588 13 75. The Service may be interrupted for maintenance or security reasons; no minimum availability is guaranteed.

7. Price, remuneration and conflicts of interest

The search and the use of the personal space are free.

If the user opens an account with Liberty, they pay the fees set by Liberty's regulations, in particular annual foundation and advisory fees. Liberty pays Prévancia a transmission fee of about 3 % of each amount transferred, charged once at each payment. All the fees, and this fee, are set out in Liberty's contract and shown to the user, who confirms them before any signature.

Prévancia is paid by Liberty and is therefore not independent of this partner. The user remains free to compare other solutions.

8. Intellectual property and acceptable use

The content of the Service belongs to Prévancia or its partners. The user receives a personal, non-exclusive right to use the Service in accordance with the Terms. It is forbidden to disrupt the Service, to circumvent its controls or to try to access other people's data.

9. Liability

Prévancia is liable for damage caused by a culpable breach of its obligations, in accordance with applicable law. Nothing in these Terms excludes or limits a liability that cannot be excluded or limited under mandatory law, in particular in case of intent or gross negligence. Prévancia does not guarantee that assets will be found, nor the response times of the Central Office of the 2nd pillar, the institutions or Liberty. It is not liable for the consequences of inaccurate or incomplete information provided by the user, to the extent permitted by applicable law.

10. Suspension, closure and changes

Prévancia may suspend access in case of a security risk, abusive use or legal obligation. The user may at any time ask for their file to be closed at mondossier@prevancia.ch; the data is then handled according to the periods in the privacy statement. Any significant change to the Terms is announced by email at least 30 days before it takes effect; a new acceptance is requested when necessary.

11. Personal data

The processing of data is described in the privacy statement, to be read separately.

12. Applicable law and jurisdiction

The Terms are governed by Swiss law. The place of jurisdiction is Nyon, subject to mandatory jurisdictions, in particular those of consumers.

13. Contact and version

Prévancia Sàrl, Allée de la Petite Prairie 10, 1260 Nyon · mondossier@prevancia.ch · +41 21 588 13 75 (Monday to Friday, 9 am – 12 pm and 2 pm – 5 pm). Version 1.0 of 25 January 2027.