By accessing this website, you acknowledge the following legal notices and terms of use

General information

Our websites, with their data, information, references, documents and tools, are primarily intended for the presentation of our company and our products and services. None of the suggestions, checklists, models, recommendations, profiles or calculation examples contained therein constitute offers for taking out contracts, but are intended only to illustrate possible insurance or financing solutions. Tables, charts, information sheets, overviews, automatically generated calculations including those of a fiscal nature, evaluations etc. are not binding and are intended to serve only as guidelines except in the case of binding online offers or quotations specifically designated as such. The data contained on our websites are for information purposes only and do not constitute any kind of legal, fiscal or business recommendation.

THINKING SOLUTIONS takes great care to ensure that the information contained on its websites is correct and up-to-date. However, THINKING SOLUTIONS neither explicitly nor implicitly guarantees that the data, information and references on its websites are at all times correct, complete and available. THINKING SOLUTIONS reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by THINKING SOLUTIONS on an “as is” and “as available” basis.

Exclusion of liability

Your use of the internet or our websites, and any links, hyperlinks and web addresses, is entirely at your own risk. This also applies to e-mails and links that connect you to the THINKING SOLUTIONS websites. THINKING SOLUTIONS assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness or completeness of the data, information and content shown or transmitted via the internet.

THINKING SOLUTIONS does not guarantee technically smooth and uninterrupted access to its websites, nor can it guarantee that use of the websites will not lead to technical problems elsewhere. As a user, you agree to use this and other websites or any connected websites and their contents at your own risk. “Use” is also understood to include access to the above-mentioned websites and their contents.

Neither THINKING SOLUTIONS nor its partners involved in the design, production or provision of websites or any connected website shall be liable for any loss or damage resulting from use of the websites or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. 

Future development and external influence

All data, information and recommendations contained on this website, specifically those of a forward-looking nature, are based on the knowledge and facts available at the time of writing or provision of information. Figures shown in overviews, tables, graphs and data sheets may be based on estimates and forecasts. When additional or new information becomes available, such data and information can be updated. However, THINKING SOLUTIONS is not obliged to update data and information on an ongoing basis. Data, information and recommendations can be influenced by factors such as new market trends, currency and stock market fluctuations, changes in the competitive environment, as well as in the political, social, legal and supervisory conditions, which are beyond THINKING SOLUTIONS’s scope of influence. No definitive recommendations or conclusions on future developments may therefore be derived from any statements contained on the website. Past performances are no guarantee of future developments.

Linked websites

THINKINF SOLUTIONS makes no assurances in connection with other websites that can be accessed via a link on its own website. Information contained on third-party websites is independent of THINKING SOLUTIONS’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that THINKING SOLUTIONS assumes responsibility for the contents of such websites or approves of their contents or their use.

Data protection

Visiting our website and accessing the data, information and references on this website is, in principle, an anonymous process. We shall inform you in good time if we require identification and/or specific information from you in order to provide the services you require, to send you information material, to create profiles and analyses, or for your participation in competitions, games, etc. Any such data you transmit to us via the internet will be treated with the utmost confidentiality, and transmitted to third parties, also within the THINKING SOLUTIONS company, only subject to the conditions defined in the case at hand, or else only with your express consent. This protection (and restricted use) of your personal details is ensured from the moment we receive your data.


THINKING SOLUTIONS can send so-called cookies to your computer which are then stored there. Cookies are a chain of information by which data on the use of the website is automatically collected. Such data includes your IP address (Internet Protocol address), which is comparable to your telephone number. Data transmitted via cookies are primarily used for website administration purposes as well as to collect demographic data and to monitor the use and performance of the website. If you deactivate the cookie function on your computer or install a corresponding filter, you may not be able to access or receive all the information and data contained on the website.


This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. The applicable laws on the protection of intellectual property expressly prohibit any copying and use either in full or in part, of such material, which includes the THINKING SOLUTIONS logo. No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of THINKING SOLUTIONS, unless THINKING SOLUTIONS has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact THINKING SOLUTIONS


Vicolo Sorazzi, 6
CH – 6622 Ronco Sopra Ascona 

July 2019; all rights reserved.