Stay ahead of the curve
Your Source for Reliable Interest Rate Data
Derivox delivers IFRS-compliant end-of-day interest rate data without the friction. Say goodbye to complex licensing, hidden fees, and integration headaches.
Don't be surprised by fluctuating interest rates
Monitor benchmark curves like €STR and Euribor daily to stay ahead of the market, and avoid costly surprises.
Eliminate Errors - Automate Your Interest Rates
Manual data entry for interest rate benchmarks, and other treasury data is not only time-consuming, it also introduces operational risk. From copy-pasting rates into spreadsheets to manually updating end-of-day interest rate curves, these repetitive tasks burden finance and treasury teams, increase the risk of errors, and divert attention from higher-value activities.
Why Bloomberg and Refinitiv Are Overkill for Treasury
Real-time curves from Bloomberg and Refinitiv are built for trading desks, not treasury teams. For use cases like IFRS 9 valuation, hedge accounting, or interest rate monitoring, daily accuracy and clean integration matter more than live data feeds. Derivox fills this gap with daily, IFRS-ready curves, flat licensing, and automation-friendly formats, without the cost or complexity of legacy platforms.
Seamless integration
without the headache
Clean, structured curve data that plugs directly into your treasury, risk, and accounting systems. No custom workarounds needed.
Easy Excel Add-In for Automated Rate Data
The Derivox Excel add-in installs in just a few clicks and seamlessly delivers accurate, end-of-day interest rate data directly into your existing spreadsheets. Whether you're working with SOFR, SARON, €STR, or other key benchmarks, our add-in keeps you updated with the latest IFRS-compliant rates in the currencies you rely on.
Flexible API Integration for Full Control
Our API makes it easy to integrate accurate, end-of-day interest rate curves and historical data into your existing systems. Connect once, and distribute effortlessly, whether you're feeding rates into your Treasury Management System (TMS), ERP, risk engine, or internal reporting tools. Keep every system aligned with reliable, IFRS-compliant data delivered exactly where you need it.
Derivox Key Features
Comprehensive Rate Data for Finance Teams: RFR Curves, Discount Factors & Flat Licensing.
End-of-day RFR curves
Full coverage of global risk-free rates. Built from transparent, high-quality market data.
Includes SOFR, €STR, SONIA, SARON, TONA, and more. Updated daily for consistency and reliability.
Discount Factors Included
Daily discount factors alongside spot and forward rates. Ready-to-use for valuation, risk, and accounting.
Delivered with consistent curve logic to support discounting cash flows across multiple use cases.
IFRS-Compliant Outputs
Curves designed for accounting and valuation use. Reliable documentation for auditors and finance teams. Perfect for fair value measurement, impairment testing, and hedge accounting.
Flat Licensing Model
One price, unlimited internal use. No hidden costs or per-system fees. Choose from three tiers to match your needs, from single-entity setups to multi-entity corporate groups and enterprise-wide access.
Trusted by finance teams who know rates matter
From corporate treasuries to asset managers, Derivox is helping teams simplify how they access and use interest rate data.
Learn the fundamentals of yield curves
Explore short, easy-to-understand explainers that break down interest rates, benchmark curves, and the fundamentals of rate analytics.
What Is a risk-free rate? Understanding SARON, SOFR,...
A risk-free rate is the theoretical return on an investment with zero credit risk. In practice, modern RFRs are based on actual overnight transactions in high-quality, low-risk markets, making them more reliable than legacy rates like LIBOR or EONIA.
Euribor vs. €STR: Key differences explained
As Eurozone interest rate markets evolve, understanding the distinction between Euribor and €STR is essential for financial institutions, corporates, and risk managers. Both are key benchmarks, but they serve different purposes.
Explore the Data
Enter your email to download a free data sample, including detailed interest rate curves from overnight to 30 years for USD, EUR, GBP, and CHF.
Let's get started with interest rates
We're a team of treasury and interest rate experts who will work with you to get the perfect setup for your company.
1. What is Derivox?
Derivox provides reliable, end-of-day interest rate curves that are IFRS-compliant and easy to integrate into your internal systems. Alongside benchmark rates, we also deliver ready-to-use discount factors, making it easy to value cash flows, perform IFRS 9 and IFRS 13 calculations, and automate your treasury and risk workflows.
2. How is Derivox different from Bloomberg or other providers?
Derivox offers a flat license model designed for corporates. Unlike Bloomberg, there are no per-terminal or user-based restrictions, making data distribution simple and predictable.
3. Who is Derivox for?
Derivox is built for corporate finance teams, accounting departments, and treasury functions that require IFRS-compliant data without the overhead of traditional providers.
Talk to an Expert
We will discuss your treasury's data needs, identify any challenges with licensing or integration, and show how the Derivox flat-license model can simplify rate distribution.
Where Yield Curves Meet Real-World Experience
With decades of hands-on experience, we’ve worked daily with Bloomberg and Refinitiv data, building, validating, and applying interest rate curves in real-world financial environments.
Our team has advised leading Swiss institutions like Raiffeisen, Zuercher Kantonalbank, and BearingPoint, and led the Group Treasury function at Julius Baer, including through the turbulence of the 2008 financial crisis.
We know the pain points and we've built Derivox to solve them: transparent curves, clean licensing, and data you can actually use.
© 2025 Derivox. All rights reserved.
Privacy Terms
Straight-forward licensing
Get reliable interest rates to power your liquidity and risk management.
One license, access for your whole team.
Starter
€180
/month
3 selected currencies
End-of-day spot rates
7 days of rates history
Excel Add-in
Growth
€480
/month
10 major currencies
End-of-day spot rates
End-of-day forward rates
30 days of rates history
Excel Add-in
API access
Enterprise
€850
/month
All major currencies
End-of-day spot rates
End-of-day forward rates
5 years of rates history
Excel add-in
API access
Custom integration requests
Pricing shown is in EUR (€) per month.
We offer CHF, USD, or GBP pricing on request.
Understanding Derivox:
Features, Licensing, and Use Cases
Explore the value Derivox delivers across your interest rate processes.
What does the flat license include?
The license includes access to all end-of-day rate curves, historical data, integration APIs, and internal redistribution rights across your organization.
What kind of interest rate curves do you provide?
We deliver high-quality end-of-day interest rate curves across major currencies. Our curves are based on risk-free reference rates such as SOFR, SARON, ESTR, TONA, and others. They are built using transparent market data inputs and robust methodologies to ensure accuracy and IFRS compliance.
Are the curves IFRS-compliant?
Yes. Our curves are fully IFRS-compliant and suitable for use in financial reporting, hedge accounting, and valuation processes.
Which currencies do you support?
We currently support: EUR, CHF, GBP, USD, JPY, AUD, CAD, HKD, SGD, CNY. Need another currency? Contact us.
How is the data delivered?
Data is provided via API and downloadable formats (e.g., CSV, XML), with easy options for integration into ERP, treasury, or accounting systems.
Can we use the data across multiple systems or teams?
Yes. Our flat license allows internal redistribution without additional legal or cost implications.
How do we get started?
Contact us for a quick onboarding session or trial. We’ll walk you through the setup and help you integrate with your internal tools.
What support is available?
We offer responsive support during onboarding and throughout your subscription, ensuring your team gets the most value out of Derivox.
More questions?
We will discuss your treasury's data needs, identify any challenges with licensing or integration, and show how the Derivox flat-license model can simplify rate distribution.
Euribor vs. €STR:
Key differences explained
As Eurozone interest rate markets evolve, understanding the distinction between Euribor and €STR is essential for financial institutions, corporates, and risk managers. Both are key benchmarks, but they serve different purposes.
What is Euribor?
Euribor (Euro Interbank Offered Rate) reflects the average rate at which major European banks lend to each other on an unsecured basis.
Published for maturities ranging from 1 week to 12 months
Widely used for loans, bonds, swaps, and financial contracts
Reflects interbank credit risk
What is €STR?
€STR (Euro Short-Term Rate) is the risk-free overnight rate introduced by the European Central Bank to replace EONIA.
Based on actual overnight borrowing transactions in the wholesale market
Reflects the cost of borrowing collateral-free funds
Backed by the ECB and gaining traction for risk-free discounting and valuation
Key Differences: Euribor vs. €STR
| Feature | Euribor | €STR |
|---|---|---|
| Type | Unsecured interbank rate | Risk-free overnight rate |
| Tenors | Multiple (1W to 12M) | Overnight only |
| Administrator | EMMI | European Central Bank (ECB) |
| Credit Risk | Includes bank credit risk | Near risk-free |
| Use Cases | Loans, swaps, structured products | Discounting, valuation, risk-free curves |
The Risk-Free Shift: Europe’s Exception
The U.S., U.K., and Switzerland successfully transitioned from LIBOR to risk-free rates like SOFR, SONIA, and SARON. Strong regulatory mandates, cleaner market structures, and firm deadlines drove rapid adoption, especially in derivatives.Europe took a different path. Euribor was reformed, not replaced, and remains BMR-compliant with term structures and a credit component. Because it still serves key market needs, Euribor and €STR now coexist, making a full transition more gradual and complex.
More questions?
We will discuss your treasury's data needs, identify any challenges with licensing or integration, and show how the Derivox flat-license model can simplify rate distribution.
What Is a risk-free rate? Understanding €STR, SOFR, and their role in valuation
Risk-free rates (RFRs) are replacing traditional interbank benchmarks in financial markets. But what exactly are they, and why do they matter?
What Is a Risk-Free Rate?
A risk-free rate is the theoretical return on an investment with zero credit risk. In practice, modern RFRs are based on actual overnight transactions in high-quality, low-risk markets, making them more reliable than legacy rates like LIBOR or EONIA.
Key RFRs in Use Today
| Name | Currency | Based on | Administered by |
|---|---|---|---|
| SOFR | USD | Treasury-backed repo market | Federal Reserve (NY Fed) |
| SONIA | GBP | Sterling overnight transactions | Bank of England |
| SARON | CHF | Secured Swiss repo transactions | SIX Swiss Exchange |
| €STR | EUR | Wholesale unsecured transactions | European Central Bank |
| TONAR | JPY | Unsecured overnight call rate | Bank of Japan |
| AONIA | AUD | Interbank overnight cash rate | Reserve Bank of Australia |
| CORRA | CAD | Canadian overnight repo rate | Bank of Canada |
| SORA | SGD | Unsecured overnight interbank transactions | Monetary Authority of Singapore |
| HONIA | HKD | HKD overnight interbank transactions | HK Treasury Markets Association |
Why RFRs Matter
Modern risk-free rates (RFRs) like €STR, SOFR, and SARON are reshaping how financial institutions price, value, and manage interest rate risk. Unlike legacy benchmarks such as LIBOR or EONIA, these rates are:
Regulator-endorsed for use in contracts, valuations, and financial reporting
Based on actual transactions, making them more transparent and robust
Free of credit risk, offering a cleaner basis for modeling interest rate exposure
RFRs are now essential inputs in:
Discounting of future cash flows
Hedge accounting under IFRS 9
Fair value measurement under IFRS 13
Risk-neutral pricing in derivatives and valuation models
As global adoption accelerates, staying aligned with these standards is not just best practice, it’s becoming a regulatory necessity.
Bootstrapping: Building a Term Structure from RFRs
At Derivox, we use bootstrapping to generate smooth, reliable term structures from overnight risk-free rates like €STR, SOFR, and SARON. By calibrating curves from market instruments, we extract zero-coupon and forward rates across maturities. This approach ensures accuracy and consistency in discounting, valuation, and risk analysis, fully aligned with standards like IFRS 13 and best practices in fixed income analytics.
More questions?
We will discuss your treasury's data needs, identify any challenges with licensing or integration, and show how the Derivox flat-license model can simplify rate distribution.
Derivox API:
Interest Rates, Delivered.
Programmatic access to real-time and historical interest rate data.
Simple, secure, and built for finance teams.
Overview
Derivox’s IFRS-compliant interest rate data is ideally suited for any of the following applications: Cash flow forecasting, liquidity management, debt issuance, funding strategy optimization, as well as long-term economic scenario analysis and valuation models.
The rates are fitted using a Nelson-Siegel-Svensson model. For EUR, we compute both the IBOR (Interbank Offered Rates) and ARR (Alternative Reference Rates) reference curves.
Supported Currencies
Europe: EUR, CHF, GBP, NOK, SEK, DKK
Americas: USD, CAD
Asia-Pacific: JPY, HKD, SGD, AUD, CNY
Test Drive the API
Enter your email to get free trial API access, including detailed interest rate curves from overnight to 30 years for USD, EUR, GBP, and CHF and more.
Derivox
API Documentation
Fast, transparent, and built for integration into your treasury systems, risk models, or internal dashboards.
Endpoint: Get interest rates (GET /rates)
Retrieves current interest rate data for a specified currency, including various tenors, rates, discount factors, and present value basis points (PVBP).
Query Parameters:
| Parameter | Types | Required | Description |
|---|---|---|---|
| currency | String | Yes | The three-letter currency code (e.g., AUD, USD, EUR). |
| rate_type | String | No | Defaults to ARR, IBOR available for EUR |
Example Request:
curl -X GET "https://api.derivox.com/v1/rates?currency=EUR"
Response Structure:
A successful response returns a JSON object with the following fields:
| Field | Type | Description |
|---|---|---|
| Timestamp | String | The timestamp of when the rates were generated. |
| Spot Date | String | The settlement date for the rates. |
| Currency | String | The currency for which the rates are provided. |
| Curve Type | String | The type of interest rate curve (e.g., Interest Rate Swaps). |
| Rate Type | String | Specifies the type of rate (e.g., IBOR). |
| Day Count Method | String | The day count convention used for calculations. |
| Fixed Coupon Frequency | String | Frequency of fixed coupon payments (e.g., Semi-annual). |
| Floating Index Tenor | String | Tenor of the floating rate index (e.g., 3-month). |
| Floating Reset Frequency | String | Frequency of floating rate resets (e.g., Quarterly). |
| Model | String | The model used to derive the rates (e.g., Nelson-Siegel-Svensson). |
| Rates | Array | A list of available interest rates with tenors. |
Each entry in the Rates array contains:
| Field | Type | Description |
|---|---|---|
| tenor | String | The duration for which the rate applies (e.g., o/n, 1w, 1m). |
| startDate | String | The date when the tenor starts. |
| termDate | String | The date when the tenor ends. |
| rate | Number | The interest rate for the given tenor. |
| discountFactor | Number | The discount factor used for pricing. |
| PVBP | Number | Present Value of a Basis Point for a 1 million nominal. |
Still Using Excel?
So does everyone else.
But when it comes to pulling in reliable interest rate data,
things get complicated.
Derivox makes it easy.
Most treasury and finance teams still rely on Excel for their daily work. And it makes sense. Excel is incredibly flexible, fast to use, and doesn’t require a ticket to IT just to get started. Whether you're running cash flow forecasts, managing interest rate risk, or building models, Excel is the go-to tool.
Our Excel Add-in delivers accurate, transparent interest rate data straight into your spreadsheet. No APIs. No terminals. No fuss. Just the data you need, exactly where you need it.Whether you're a corporate treasury team, asset manager, or financial analyst. If you are using Excel, you are in the right place.
Be Among the First
Be the first to try the Derivox Excel Add-in. Enter your email and we will reach out as soon as it is ready.
Derivox
Reference Rates Dataset
Overview
The CHF Reference Rates dataset provides high-quality, time-series data on Swiss Franc (CHF) interest rates for various maturities, ranging from 12 months to 30 years. This dataset is ideal for financial modeling, market analysis, risk management, and liquidity planning. The data includes daily observations with multiple curve types and rate types.This dataset is offered as a free sample for October-December 2024, with paid access to extended data and end-of-day rates for comprehensive financial insights.
Dataset Details - Columns
| Column Name | Data Type | Description |
|---|---|---|
| DATE | DATE | The date of the reference rate observation. |
| CURRENCY | VARCHAR | The currency of the rate (always CHF). |
| CURVETYPE | VARCHAR | The curve type (always IRS). |
| RATETYPE | VARCHAR | The rate type (always ARR). |
| 12m | NUMBER | The 12-month interest rate. |
| 2y | NUMBER | The 2-year interest rate. |
| 3y | NUMBER | The 3-year interest rate. |
| 4y | NUMBER | The 4-year interest rate. |
| 5y | NUMBER | The 5-year interest rate. |
| 6y | NUMBER | The 6-year interest rate. |
| 7y | NUMBER | The 7-year interest rate. |
| 8y | NUMBER | The 8-year interest rate. |
| 9y | NUMBER | The 9-year interest rate. |
| 10y | NUMBER | The 10-year interest rate. |
| 15y | NUMBER | The 15-year interest rate. |
| 20y | NUMBER | The 20-year interest rate. |
| 30y | NUMBER | The 30-year interest rate. |
Sample Data
| DATE | CURRENCY | CURVETYPE | RATETYPE | 12m | 2y | 10y |
|---|---|---|---|---|---|---|
| 2024-10-01 | CHF | IRS | 1.25 | 1.75 | 2.50 | |
| 2024-10-02 | CHF | IRS | 1.30 | 1.80 | 2.55 | |
| 2024-10-03 | CHF | IRS | 1.28 | 1.78 | 2.52 |
Data Sources
Government Bond Yields: We collect end-of-day yields for government bonds ranging from 3-month to 30-year tenors. These yields are publicly available and license-free, and due to their liquidity, form the most solid basis for reference interest rates.
IBOR and ARR Yield Curves: For calibration purposes, we reference yield curves obtained from publicly accessible banking and financial websites.
Access and Pricing
Free Sample: Includes data for October-December 2024.
Paid Offering: Includes extended datasets and daily updates for precise and comprehensive financial insights.
For further details, contact us at sales@derivox.com.
Privacy Policy
Introduction
Thank you for visiting our website derivox.com and for your interest in our company.The protection of your personal data, such as date of birth, name, telephone number, address, etc., is important to us.The purpose of this privacy policy is to inform you about the processing of your personal data that we collect from you when you visit our site. Our data protection practices are in accordance with the legal regulations of the Swiss Federal Act on Data Protection (FADP) and the EU's General Data Protection Regulation (GDPR).The following data protection declaration serves to fulfil the information obligations arising from the FADP and the GDPR. These can be found, for example, in Art. 8 ff. FADP as well as Art. 13 ff. of the GDPR.
Owner or responsible person
The owner or controller within the meaning of Art. 3 letter i FADP or Art. 4 No. 7 GDPR is the person who alone or jointly with others decides on the purposes and means of the processing of personal data. The controller pursuant to Art. 4 No. 7 GDPR is also the recipient of the personal data within the meaning of Art. 4 No. 9 GDPR. Any third party recipient is identified separately.With regard to our website, the owner or responsible person is:Ensium GmbH
Zollikerstrasse 225
8008 Zurich
Switzerland
info@derivox.com
Provision of the website and creation of log files
Each time our website is accessed, our system automatically collects data and information from the device (e.g. computer, mobile phone, tablet, etc.) used to access it.What personal data is collected and to what extent is it processed?(1) Information about the browser type and version used;
(2) The operating system of the retrieval device;
(3) Host name of the accessing computer;
(4) The IP address of the retrieval device;
(5) Date and time of access;
(6) Websites and resources (images, files, other page content) accessed on our website;
(7) Websites from which the user's system accessed our website (referrer tracking);
(8) Message whether the retrieval was successful;
(9) Amount of data transmittedThis data is stored in the log files of our system. This data is not stored together with the personal data of a specific user, so that individual site visitors cannot be identified.Legal basis for the processing of personal dataPersonal data is processed in accordance with the principle of legality (Art. 4 FADP) and the principle of good faith (Art. 2 CC) and Art. 6 para. 1 lit. f GDPR (legitimate interest).Purpose of data processingThe temporary (automated) storage of data is necessary for the course of a website visit in order to enable delivery of the website. The storage and processing of personal data is also carried out to maintain the compatibility of our website for as many visitors as possible and to combat abuse and eliminate malfunctions. For this purpose, it is necessary to log the technical data of the accessing computer in order to be able to react as early as possible to display errors, attacks on our IT systems and/or errors in the functionality of our website. In addition, we use the data to optimise the website and to generally ensure the security of our information technology systems.Duration of storageThe deletion of the aforementioned technical data takes place as soon as they are no longer required to ensure the compatibility of the website for all visitors, but no later than 3 months after accessing our website.Possibility of objection and deletionYou can object to the processing at any time in accordance with Article 21 of the GDPR and request deletion of the data in accordance with Article 17 of the GDPR. You can find out which rights you have and how to exercise them in the lower section of this privacy policy.
Special functions of the website
Our site offers you various functions, during the use of which personal data is collected, processed and stored by us. We explain below what happens to this data:Contact form(s)What personal data is collected and to what extent is it processed?
The data you have entered in our contact forms, which you have entered in the input mask of the contact form.Legal basis for the processing of personal data
Personal data is processed in accordance with the principle of lawfulness (Art. 4 FADP) and the principle of good faith (Art. 2 CC) as well as Art. 6 para. 1 lit. a GDPR (consent through unambiguous confirmatory action or conduct).Purpose of data processing
We will only use the data collected via our contact form or contact forms for processing the specific contact request received through the contact form. Please note that in order to fulfil your contact request, we may also send you e-mails to the address you have provided. The purpose of this is so that you can receive confirmation from us that your enquiry has been correctly forwarded to us. However, the sending of this confirmation e-mail is not obligatory for us and is only for your information.Duration of storage
After processing your request, the collected data will be deleted immediately, unless there are legal retention periods.Possibility of objection and deletion
You can object to the processing at any time in accordance with Article 21 of the GDPR and request deletion of the data in accordance with Article 17 of the GDPR. You can find out which rights you have and how to exercise them in the lower section of this privacy policy.Necessity of providing personal data
The use of the contact forms is on a voluntary basis. You are not obliged to contact us via the contact form, but can also use the other contact options provided on our website. If you wish to use our contact form, you must fill in the fields marked as mandatory. If you do not fill in the required information on the contact form, you will either not be able to send the enquiry or we will not be able to process your enquiry due to a lack of information.Newsletter registration formWhat personal data is collected and to what extent is it processed?
By registering for the newsletter on our website, we receive the e-mail address entered by you in the registration field and, if applicable, further contact data, provided that you communicate this to us via the newsletter registration form.Legal basis for the processing of personal data
Personal data is processed in accordance with the principle of lawfulness (Art. 4 FADP) and the principle of good faith (Art. 2 CC) as well as Art. 6 para. 1 lit. a GDPR (consent through unambiguous confirmatory action or conduct).Purpose of data processing
The data recorded in the registration mask of our newsletter will be used by us exclusively for sending our newsletter, in which we inform you about all our services and our news. After registration, we will send you a confirmation e-mail containing a link that you must click to complete the registration for our newsletter (double opt-in).Duration of storage
You can unsubscribe from our newsletter at any time by clicking on the unsubscribe link, which is also included in every newsletter. Your data will be deleted by us immediately after unsubscribing, provided that there are no legal retention obligations. Likewise, your data will be deleted by us immediately in the event that your subscription is not completed. We reserve the right to delete without giving reasons and without prior or subsequent information.Possibility of objection and deletion
You can object to the processing at any time in accordance with Article 21 of the GDPR and request deletion of the data in accordance with Article 17 of the GDPR. You can find out which rights you have and how to exercise them in the lower section of this privacy policy.Necessity of providing personal data
If you would like to use our newsletter, you must fill in the fields marked as mandatory and confirm your e-mail address by clicking on the double opt-in link. The newsletter registration details are necessary in order to be able to make use of the newsletter offer. The information is used exclusively for sending our newsletter. If you do not fill in the mandatory fields, we will not be able to provide you with our newsletter service.
Disclosure of information to third parties
Personal data is processed in accordance with the principle of legality (Art. 4 FADP) and the principle of good faith (Art. 2 CC). The disclosure of information to third parties depends on the scope of the activities or offers of our website or our business model described below.As a matter of principle, we only keep your information for as long as necessary and treat it confidentially. Exceptions to this are the transfer of personal data to debt collection service providers, to public bodies and authorities and to private individuals, who have a right to it due to legal regulations, court decisions or official orders as well as the transfer to authorities for the purpose of initiating legal proceedings or for law enforcement purposes if our legally protected rights are attacked.
Statistical analysis of visits to this website - Webtracker
We collect, process and store the following data when this website or individual files on the website are accessed: IP address, website from which the file was accessed, name of the file, date and time of access, amount of data transferred and report on the success of the access (so-called web log). We use this access data exclusively in non-personalised form for the continuous improvement of our website and for statistical purposes.Any personal data is processed in accordance with the principle of legality (Art. 4 FADP) and the principle of good faith (Art. 2 CC). We also use the following web trackers to evaluate visits to this website:Google AnalyticsScope of the processing of personal data
On our site we use the web tracking service of the company Google Ireland Ltd., Gordon House, Barrow Street, 4 Dublin, Ireland, email: support-deutschland@google.com, website: http://www.google.com/ (hereinafter: Google Analytics). Within the scope of web tracking, Google-Analytics uses cookies that are stored on your computer and enable an analysis of the use of our website and your surfing behaviour (so-called tracking). We carry out this analysis on the basis of the Google Analytics tracking service in order to constantly optimise our website and make it more accessible. When you use our website, data such as your IP address and your user activities in particular are transmitted to servers of Google Ireland Limited. We carry out this analysis on the basis of Google's tracking service in order to constantly optimise our website and make it more accessible. We also need the web tracking for security reasons. Web tracking allows us to track whether third parties are attacking our website. The information from the web tracker enables us to take effective countermeasures and protect the personal data we process from these cyber attacks. By activating IP anonymisation within the Google Analytics tracking code of this website, your IP address will be anonymised by Google Analytics before transmission. This website uses a Google Analytics tracking code that has been extended by the operator gat._anonymizeIp(); to enable only anonymised collection of IP addresses (so-called IP masking).Legal basis for the processing of personal data
The legal basis for data processing is your consent in our information banner regarding the use of cookies and web tracking (consent through clear confirming action or behaviour) in accordance with Art. 13 Para. 1 FADP and Art. 6 Para. 1 lit. a GDPR.Purpose of data processing
Google will use this information on our behalf for the purpose of evaluating your visit to this website, compiling reports on website activity and providing us with other services relating to website activity and internet usage. We also require web tracking for security reasons. Web tracking allows us to track whether third parties are attacking our website. The information from the web tracker allows us to take effective countermeasures and protect the personal data we process from these cyber attacks.Duration of storage
Google will store the data relevant to the provision of web tracking for as long as is necessary to fulfil the booked web service. The data collection and storage is anonymised. If there is a reference to a person, the data will be deleted immediately, insofar as this is not subject to any statutory retention obligations. In any case, the data will be deleted after expiry of the retention period.Opposition and deletion options
You can prevent the collection and forwarding of personal data to Google (in particular your IP address) and the processing of this data by Google by deactivating the execution of script code in your browser or activating the "Do Not Track" setting of your browser. You can also prevent the collection of data generated by the Google cookie and related to your use of the website (including your IP address) by Google and the processing of this data by Google by downloading and installing the browser plug-in available at the following link (http://tools.google.com/dlpage/gaoptout?hl=de). Google's security and privacy policy can be found at https://policies.google.com/privacy.Google Tag ManagerWhat personal data is collected and to what extent is it processed?
On our site, we use the Google Tag Manager service of the company Google Ireland Ltd., Gordon House, Barrow Street, 4 Dublin, Ireland, e-mail: support-deutschland@google.com, website: http://www.google.com/ (hereinafter: Google Tag Manager). Google Tag Manager offers a technical platform for executing and bundling other web services and web tracking programmes by means of so-called "tags". In this context, Google Tag Manager stores cookies on your computer and analyses your surfing behaviour (so-called "tracking"), insofar as web tracking tools are executed using Google Tag Manager. This data sent by individual tags integrated in Google Tag Manager is merged, stored and processed by Google Tag Manager under a uniform user interface. All integrated "tags" are listed separately again in this data protection declaration. You can find more information on the data protection of the tools integrated in Google Tag Manager in the respective section of this data protection declaration. When you use our website with the integration of Google Tag Manager tags activated, data, such as your IP address and your user activities in particular, are transmitted to servers of Google Ireland Limited. With regard to the web services integrated by means of Google Tag Manager, the regulations in the respective section of this data protection declaration apply. The tracking tools used in Google Tag Manager ensure that the IP address is anonymised by Google Tag Manager before transmission by means of IP anonymisation of the source code. In doing so, Google Tag Manager is only enabled to record IP addresses anonymously (so-called IP masking).Legal basis for the processing of personal data
The legal basis for data processing is your consent in our information banner regarding the use of cookies and web tracking (consent through clear confirming action or behaviour) in accordance with Art. 13 Para. 1 FADP and Art. 6 Para. 1 lit. a GDPR.Purpose of data processing
On our behalf, Google will use the information obtained by means of the Google Tag Manager to evaluate your visit to this website, to compile reports on website activity and to provide us with other services related to website and internet usage.Duration of storage
Google will store the data relevant to the function of Google Tag Manager for as long as is necessary to fulfil the booked web service. The data collection and storage is anonymised. If there is a reference to a person, the data will be deleted immediately, insofar as this is not subject to any legal obligations to retain data. In any case, the data will be deleted after expiry of the retention period.Possibility of objection and deletion
You can prevent the collection and forwarding of personal data to Google (in particular your IP address) and the processing of this data by Google by deactivating the execution of script code in your browser, installing a script blocker in your browser or activating the "Do Not Track" setting of your browser. In addition, you can prevent the collection of the data generated by the Google cookie and related to your use of the website (incl. your IP address) by Google as well as the processing of this data by Google by downloading and installing the browser plug-in available at the following link http://tools.google.com/dlpage/gaoptout?hl=de. Google's security and privacy policy can be found at https://policies.google.com/privacy.GstaticWe use on our site the service Gstatic of the company Google Ireland Limited, Gordon House, Barrow Street, 4 Dublin, Ireland, e-mail: support-deutschland@google.com, website: http://www.google.com/. According to the assessment of Swiss authorities, the processing takes place in safe third countries. You can find Switzerland's list of states at the following link: https://www.edoeb.admin.ch/edoeb/en/home/data-protection/handel-und-wirtschaft/transborder-data-flows.html. The transfer of personal data also takes place to the U.S. With regard to the transfer of personal data to the U.S., there is an adequacy decision on the EU-US Data Privacy Framework of the EU Commission within the meaning of Art. 45 of the GDPR (hereinafter: DPF - https://commission.europa.eu/document/fa09cbad-dd7d-4684-ae60-be03fcb0fddf_en). The operator of the service is certified under the DPF, so that the usual level of protection of the GDPR applies to the transfer.The legal basis for the transmission of personal data is your consent pursuant to Art. 4 para. 5 FADP or Art. 13 para. 2 FADP and pursuant to Art. 6 para. 1 lit. a GDPR or Art. 9 para. 2 lit. a GDPR, which you have given on our website.Gstatic is a background service used by Google to retrieve static content in order to reduce bandwidth usage and preload required catalogue files. In particular, the service loads background data for Google Fonts and Google Maps.As part of the order processing, personal data may also be transferred to the servers of the company Google LLC, 1600 Amphitheatre Parkway, 94043 Mountain View, United States. You can access the certification under the EU-US Data Privacy Framework at https://www.dataprivacyframework.gov/s/participant-search/participant-detail?id=a2zt000000001L5AAI&status=Active.You can revoke your consent at any time. You will find more information on revoking your consent either with the consent itself or at the end of this privacy policy.For further information on the handling of transmitted data, please refer to the provider's privacy policy at https://policies.google.com/privacy.The provider also offers an opt-out option at https://support.google.com/My-Ad-Center-Help/answer/12155451?hl=de.
Integration of external web services and processing of data outside the EU
On our website, we use active content from external providers, so-called web services. By calling up our website, these external providers may receive personal information about your visit to our website. This may involve the processing of data outside of Switzerland and the EU. You can prevent this by installing an appropriate browser plug-in or deactivating the execution of scripts in your browser. This may result in functional restrictions on Internet pages that you visit.We use the following external web services:Google Cloud APIsWe use on our site the service Google Cloud APIs of the company Google Ireland Limited, Gordon House, Barrow Street, 4 Dublin, Ireland, e-mail: support-deutschland@google.com, website: http://www.google.com/. According to the assessment of Swiss authorities, the processing takes place in safe third countries. You can find Switzerland's list of states at the following link: https://www.edoeb.admin.ch/edoeb/en/home/data-protection/handel-und-wirtschaft/transborder-data-flows.html. The transfer of personal data also takes place to the U.S. With regard to the transfer of personal data to the U.S., there is an adequacy decision on the EU-US Data Privacy Framework of the EU Commission within the meaning of Art. 45 of the GDPR (hereinafter: DPF - https://commission.europa.eu/document/fa09cbad-dd7d-4684-ae60-be03fcb0fddf_en). The operator of the service is certified under the DPF, so that the usual level of protection of the GDPR applies to the transfer.The legal basis for the transmission of personal data is your consent pursuant to Art. 4 para. 5 FADP or Art. 13 para. 2 FADP and pursuant to Art. 6 para. 1 lit. a GDPR or Art. 9 para. 2 lit. a GDPR, which you have given on our website.We use Google APIs in order to be able to load additional services from Google on the website. Google Apis is a collection of interfaces for communication between the various Google services used on your website. The service is used in particular to display the Google Fonts fonts and to provide the Google Maps map.For the processing itself, the service or we collect the following data: IP addressIf the service is activated on our website, our website establishes a connection to the servers of Google Ireland Limited and transfers the required data. As part of the order processing, personal data may also be transmitted to the servers of the company Google LLC, 1600 Amphitheatre Parkway, 94043 Mountain View, United States. when using the Google service on our website, Google may transmit and process information from other Google services in order to provide background services for the display and data processing of the services provided by Google. For this purpose, data may also be transferred to the Google services Google Cloud, Google Maps, Google Ads and Google Fonts in accordance with the Google privacy policy under the data protection responsibility of Google. You can access the certification under the EU-US Data Privacy Framework at https://www.dataprivacyframework.gov/s/participant-search/participant-detail?id=a2zt000000001L5AAI&status=Active.You can revoke your consent at any time. You will find more information on revoking your consent either with the consent itself or at the end of this privacy policy.For further information on the handling of transmitted data, please refer to the provider's privacy policy at https://policies.google.com/privacy.The provider also offers an opt-out option at https://support.google.com/My-Ad-Center-Help/answer/12155451?hl=de.Google FontsWe use on our site the service Google Fonts of the company Google Ireland Limited, Gordon House, Barrow Street, 4 Dublin, Ireland, e-mail: support-deutschland@google.com, website: http://www.google.com/. According to the assessment of Swiss authorities, the processing takes place in safe third countries. You can find Switzerland's list of states at the following link: https://www.edoeb.admin.ch/edoeb/en/home/data-protection/handel-und-wirtschaft/transborder-data-flows.html. The transfer of personal data also takes place to the U.S. With regard to the transfer of personal data to the U.S., there is an adequacy decision on the EU-US Data Privacy Framework of the EU Commission within the meaning of Art. 45 of the GDPR (hereinafter: DPF - https://commission.europa.eu/document/fa09cbad-dd7d-4684-ae60-be03fcb0fddf_en). The operator of the service is certified under the DPF, so that the usual level of protection of the GDPR applies to the transfer.The legal basis for the transmission of personal data is your consent pursuant to Art. 4 para. 5 FADP or Art. 13 para. 2 FADP and pursuant to Art. 6 para. 1 lit. a GDPR or Art. 9 para. 2 lit. a GDPR, which you have given on our website.We use the Google Fonts service to be able to integrate attractive fonts on our website in order to be able to show you our website in a visually better version. The service may also be used on our website if other Google services are reloaded on our website that require Google Fonts fonts to run. This is the case, for example, if our website uses Google services that require Google Fonts to run.For the processing itself, the service or we collect the following data: Data on fonts, IP address of the page visitor, statistics on the use of fonts and other data from Google services related to our website.If the service is activated on our website, our website establishes a connection to the servers of Google Ireland Limited and transfers the required data. As part of the order processing, personal data may also be transmitted to the servers of the company Google LLC, 1600 Amphitheatre Parkway, 94043 Mountain View, United States. when using the Google service on our website, Google may transmit and process information from other Google services in order to provide background services for the display and data processing of the services provided by Google. For this purpose, data may also be transferred to the Google services Google Apis, Google Cloud and Google Ads in accordance with the Google privacy policy. You can access the certification under the EU-US Data Privacy Framework at https://www.dataprivacyframework.gov/s/participant-search/participant-detail?id=a2zt000000001L5AAI&status=Active.You can revoke your consent at any time. You will find more information on revoking your consent either with the consent itself or at the end of this privacy policy.For further information on the handling of transmitted data, please refer to the provider's privacy policy at https://policies.google.com/privacy.The provider also offers an opt-out option at https://support.google.com/My-Ad-Center-Help/answer/12155451?hl=de.
Information on the use of cookies
Scope of the processing of personal dataWe integrate and use cookies on various pages to enable certain functions of our website and to integrate external web services. The so-called "cookies" are small text files that your browser can store on your access device. These text files contain a characteristic string that uniquely identifies the browser when you return to our website. The process of saving a cookie file is also referred to as "setting a cookie". Cookies can be set both by the website itself and by external web services.Legal basis for the processing of personal dataRelevant are Art. 4 ff. FADP (principles) and Art. 6 para. 1 lit. f GDPR (legitimate interest) and Art. 6 para. 1 lit. a and Art. 9 para. 2 lit. a GDPR (consent). Which legal basis is relevant can be seen from the cookie table listed later in this point.In general, in the case of cookies that are collected on the basis of a legitimate interest, our legitimate interest is to ensure the functionality of our website and the services integrated on it (technically necessary cookies). In addition, it may be that the cookies increase their user-friendliness and enable a more individualised approach. Here we have weighed up your interests against our interests.With the help of cookie technology, we can only identify, analyse and track individual website visitors if the website visitor has consented to the use of the cookie in accordance with Art. 6 para. 2 FADP or Art. 6 para. 1 lit. a GDPR.Purpose of the data processingThe cookies are set by our website or the external web services in order to maintain the full functionality of our website, to improve the user-friendliness or to pursue the purpose stated with your consent. Cookie technology also allows us to recognise individual visitors by pseudonyms, e.g. an individual or random IDs, so that we can offer more personalised services. Details are provided in the table below.Duration of storageThe cookies listed below are stored in your browser until they are deleted or, in the case of a session cookie, until the session has expired.Possibility of objection, revocation of consent and deletionYou can set your browser according to your wishes so that the setting of cookies is generally prevented. You can then decide on a case-by-case basis whether to accept cookies or accept cookies in principle. Cookies can be used for various purposes, e.g. to recognise that your access device is already connected to our website (permanent cookies) or to save recently viewed offers (session cookies). If you have expressly given us permission to process your personal data, you can revoke this consent at any time. Please note that the legality of the processing carried out on the basis of the consent up to the revocation is not affected by this.
Data security and data protection, communication by e-mail
Your personal data is protected by technical and organisational measures during collection, storage and processing so that it is not accessible to third parties. In the case of unencrypted communication by e-mail, we cannot guarantee complete data security on the transmission path to our IT systems, so we recommend encrypted communication or the postal service for information requiring a high level of confidentiality.
Duration of data storage and rights of the data subject
Duration of storageWe store personal data only to the extent and for as long as necessary to fulfil the purposes for which the personal data was collected, we have a legitimate overriding interest in retaining the data or are legally obliged to do so.Right to informationYou have the right to request confirmation as to whether we are processing personal data about you. If this is the case, you have the right to information on the data specified in 8 ff. FADP or Art. 15 para. 1 GDPR, insofar as the information cannot be refused, restricted or postponed by the owner of the data collection (cf. Art. 9 f. FADP or Art. 15 para. 4 GDPR). We will also be happy to provide you with a copy of the data.Right of rectificationIn accordance with Art. 5 Para. 2 of the FADP or Art. 16 of the GDPR, you have the right to have any incorrect personal data stored with us (e.g. address, name, etc.) corrected at any time. You can also request that the data stored with us be completed at any time. A corresponding adjustment will be made immediately.Right to erasurePursuant to Article 17 (1) of the GDPR, you have the right to have us delete the personal data we have collected about you if the data is
either no longer required;
the legal basis for processing has ceased to exist without replacement due to the revocation of your consent;
there are no longer any legitimate reasons for processing the data;
Your data is being processed unlawfully;
a legal obligation requires this.
Pursuant to Article 17 (3) of the GDPR, this right does not exist
if the processing is necessary for the exercise of the right to freedom of expression and information;
Your data has been collected on the basis of a legal obligation;
processing is necessary for reasons of public interest;
the data is necessary for the assertion, exercise or defence of legal claims.
Right to restrict processingAccording to Art. 18 (1) GDPR, you have the right to request the restriction of the processing of your personal data in individual cases. This is the case when
the accuracy of the personal data is disputed by you;
the processing is unlawful and you do not consent to its deletion;
the data is no longer required for the purpose of processing, but the collected data is used for the assertion, exercise or defence of legal claims;
an objection to the processing has been lodged pursuant to Art. 21 (1) GDPR and it is still unclear which interests prevail.
Right of withdrawalIf you have given us express consent to process your personal data (Art. 4 para. 5 FADP and Art. 13 para. 2 let. a FADP; Art. 6 para. 1 let. a GDPR or Art. 9 para. 2 let. a GDPR), you may revoke this consent at any time. Please note that the lawfulness of the processing carried out on the basis of the consent up to the revocation is not affected by this. Information for which we are legally obliged to retain data will be deleted after expiry of the retention period.Right to objectPursuant to Art. 21 GDPR, you have the right to object at any time to the processing of personal data concerning you that has been collected on the basis of Art. 6 para. 1 lit. f GDPR (in the context of a legitimate interest). If you have given us express consent to process your personal data (Art. 4 para. 5 FADP and Art. 13 para. 2 let. a FADP), you may revoke this consent at any time. Please note that the lawfulness of the processing carried out on the basis of the consent up to the revocation is not affected by this. You only have this right if there are special circumstances that speak against the storage and processing. Information for which we are legally obliged to store data will be deleted after expiry of the retention period.How do you exercise your rights?You can exercise your rights at any time by contacting us using the contact details below:Ensium GmbH
Zollikerstrasse 225
8008 Zurich
Switzerlandinfo@derivox.com
Right to data portability
Pursuant to Article 20 of the GDPR, you have a right to the transfer of personal data relating to you. We will provide the data in a structured, common and machine-readable format. The data can be sent either to you or to a person responsible named by you.We will provide you with the following data upon request:
Data collected on the basis of consent (Art. 13 para. 1 FADP as well as Art. 6 para. 1 let. a GDPR);
Data that we have received from you in the context of existing contracts (Art. 13 para. 2 let. a FADP as well as Art. 6 para. 1 let. b GDPR and Art. 9 para. 2 let. a GDPR);
Data that has been processed as part of an automated procedure.
We will transfer the personal data directly to a responsible person of your choice as far as this is technically feasible. Please note that we are not permitted to transfer data that interferes with the overriding interests of third parties, or only to a limited extent, in accordance with Article 9 (1) b of the FADP and Article 20 (4) of the GDPR.
Notifications to the FDPIC and possibility to file a complaint
Pursuant to Art. 29 FADP, data subjects have a right of appeal to a competent supervisory authority for data protection. The supervisory authority for data protection in Switzerland is the Federal Data Protection and Information Commissioner (FDPIC).For further information, please consult the contact form of the FDPIC: https://www.edoeb.admin.ch/edoeb/en/home/the-fdpic/contact.htmlIf you suspect that your data is being processed illegally on our website, you can seek clarification of the issue in court in accordance with Art. 15 FADP. As a rule, a lawsuit in accordance with Art. 28 ff. CC should be sought. If you are affected by the processing of data by federal bodies, the procedure is in accordance with Art. 25 FADP. In this case, you can also contact the FDPIC (see the reference to the contact form above).
Right of appeal to the supervisory authority
If you suspect that your data is being processed illegally on our site, you can of course have the issue clarified by the courts at any time. In addition, any other legal option is open to you. Irrespective of this, you have the option of contacting a supervisory authority in accordance with Article 77 (1) of the GDPR.The right of appeal pursuant to Art. 77 GDPR is available to you in the EU Member State of your place of residence, your place of work and/or the place of the alleged infringement, i.e. you can choose the supervisory authority to which you turn from the above-mentioned places. The supervisory authority to which the complaint has been submitted will then inform you of the status and outcome of your submission, including the possibility of a judicial remedy pursuant to Art. 78 GDPR.
Derivox Widget
Terms and Conditions
Purpose and Acceptance
By integrating the Derivox Interest Rate Widget ("Widget") into your website, web application, or cloud platform ("Your Platform"), you ("Partner") agree to comply with the following Terms and Conditions ("Terms") established by Derivox.
1. Use of Widget and Data
The Widget and the associated data, methodologies, and visual representations ("Content") remain the sole intellectual property of Derivox. Partners are permitted to display the Widget and its Content exclusively within the Widget provided by Derivox. Any attempt to extract, copy, redistribute, store externally, or reuse the Content outside the Widget is strictly prohibited.
2. Ownership and Intellectual Property
All rights, titles, and interests in the Widget, including data, algorithms, calculations, graphics, design, and source code, belong exclusively to Derivox. These Terms do not grant the Partner any rights beyond explicitly stated permissions for widget integration.
3. Restrictions
The Partner shall not:
Modify, reverse engineer, copy, or replicate the Widget or its Content;
Redistribute, sublicense, or provide third-party access to Widget data outside of the Widget;
Use Content for purposes other than displaying interest rate curves on Partner's Platform via the Widget.
4. Compliance and Monitoring
Derivox reserves the right to monitor Widget usage to ensure compliance with these Terms. In case of detected misuse or violation, Derivox may immediately revoke Widget access and seek legal remedy if necessary.
5. Liability Disclaimer
The Widget and Content are provided "as-is". Derivox does not guarantee the accuracy, completeness, or timeliness of the displayed data and is not responsible for any decisions made based on the Widget Content.
6. Modifications to Terms
Derivox may update these Terms periodically. Partners are responsible for regularly reviewing the Terms, which will be published at https://derivox.com/#widget-terms. Continued Widget use signifies acceptance of updated Terms.
Contact Information
For inquiries regarding these Terms, please contact Derivox at info@derivox.com.
Effective Date: 20.03.2025