AXA PEOPLE PROTECTOR SERVICES, S.A. UNIPERSONAL owns the website hosted under the domains https://healthkeeper.ch/ and the Health Keeper app and platform. Through these websites and app, it offers users a series of advantages, global solutions, contents and benefits through the use of all types of information and communication technologies, with respect to services related to healthcare, healthy lifestyles and personal wellbeing.

The company AXA PEOPLE PROTECTOR SERVICES, S.A. UNIPERSONAL (hereinafter, APPS) is domiciled in 28043 Madrid, Emilio Vargas 6; it holds Fiscal Identification Code (C.I.F.) no. A-86154341 and is duly registered at the Commercial Registry of Madrid, Tome 28,459, Folio 201, section 8, page number 512,428, 1st entry. AXA S.A., APPS’s sole member, is domiciled in 25 Avenue Matignon, 75008 Paris (France) and is duly registered at the Commercial Registry of Paris under number 572093920 RCS.

These General Terms govern the use of the websites and of the Health Keeper app, as well as relations between the Health Keeper Platform and its users, in order to offer them its advantages and benefits, contents and services. Upon registration, all users must accept these terms. Furthermore, these General Terms are complemented with the Website Privacy Policy, available to all users.  Some Website services, accessible to users, may be subject to specific terms, regulations and instructions which, as the case may be, may replace, complete and Provision of Website services will be limited to the time during which users are on-line or for the duration of any services provided. Consequently, all users must carefully read the Legal Notice uploaded on the Website, each time they intend to use it, as it may change without prior warning.



2.1. What is the Health Keeper Platform?

The Health Keeper Platform is a Website and App belonging to APPS. The Platform offers users a series of contents and special functionalities.

2.2. Who may use Health Keeper platform?

Companies with daily sickness benefits insurance and / or occupational pension solutions from AXA VERSICHERUNGEN AG and AXA Leben AG (“AXA Switzerland”) can use Health Keeper free of charge and make it available to their employees.

Healthkeeper.ch is offered as part of a pilot project for the whole year 2022. In case AXA Switzerland do not decide to continue offering Health Keeper from 2023, all user accounts and corresponding data will be deleted at the end of the pilot project.

2.3. What advantages are obtained by Health Keeper registered users?

Platform registered users may enjoy all the functionalities and contents of the Website and App:

    • Home page
    • Blog
    • Legal information
    • Contact details
    • Information on cookies
    • Link to stores where the App may be downloaded (Apple Store and Google Play)
    • Access to request an invitation
    • Access to start up the registration process
    • Access to register an activity.

If using the App, once it is downloaded the following content may be accessed:

    • Home page
    • Access to request an invitation.
    • Access to start up the registration process
    • Access to register an activity.

If a user is already registered or enters the App or Website, (he/she will have access to:

    • Timeline: A user activity page.
    • Activity registration and challenges: pages where a user may synchronize his/her activity or manually enter activities, as well as defining challenges.
    • Section on the sale of third party medical and wellbeing services.
    • Associated services section, coaching services.
    • Healthy tips section: page where the user may consult articles related to health, wellbeing and sports.
    • Activity and challenge history: section where the user may follow up on his/her past or ongoing activity.
    • Shopping list.
    • User profile.

2.4. Disclaimer for third party services and products

APPS will not be directly or indirectly liable for any information, contents, affirmations and expressions contained in third party products and services offered through the Health Keeper Website and/or App. This liability will at all times rest with the suppliers of such products and services. All users accept and understand that APPS and the Health Keeper Platform are mere intermediaries between them and the service and content suppliers.

2.5. Privacy and personal data protection policy

Any personal data provided by users through the Website or App will be processed as foreseen in our Privacy and Data Protection Policy.

All users must read and accept such Privacy and Data Protection Policy before providing their personal data to APPS.

For the purposes foreseen in REGULATION (EU) 2016/679 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (General Data Protection Regulation) and other applicable regulations, all users may obtain additional and detailed information at the following link: https://healthkeeper.ch/privacy/

2.6. Deregistration from the Health Keeper Platform

A user may unilaterally cancel his/her registration on the Platform. To do so, he/she must access to their personal profile in their user profile, and push the button “delete account”.

APPS reserves the right to directly and automatically deregister any user who breaches the rules foreseen in these Terms, or who unduly uses the advantages and benefits offered through the Platform. Such user may be eventually held liable for the consequences of such breach.

A user will be automatically deregistered from the platform in the following cases:

    • when the company has ended the contractual relationship with AXA Switzerland in relation to the daily sickness benefits insurance and / or occupational pension solutions that entitled the access to Health Keeper Platform.
    • when the user leaves the company he or she is de-registered from Health Keeper Platform.
    • when the company of the user has ended the contractual relationship with AXA Switzerland related to the use of Health Keeper Platform.

Any registered user who is deregistered from the Platform will no longer be entitled to its access, advantages, services, contents and promotions.

2.7. Non-acceptance of correspondence and newsletters

Any users who do not wish to receive e-mails may select the button “unsubscribe” provided at the bottom of APPS’s e-mails, or may deselect the button in the section settings in their app personal profile.



These Terms of Use regulate access and use of the Website hosted under the domain name and of the Health Keeper App. Access or use of the Platform constitutes the user’s acceptance of these Terms of Use.

Access to the Website is cost-free, except for the cost involved in connecting through the telecommunications network supplied by the provider hired by the user. Certain services are exclusive and provided on a pay-only basis for certain users and their access is restricted.

3.1. Registration and password

Access to services provided through the Health Keeper Platform require prior user registration, for which a password will be chosen to enable his/her personal identification. When requesting personal data, the Privacy and Personal Data Protection Policy will apply.

All assigned passwords will be personal and inalienable, and no assignment is permitted, not even provisionally, to third parties. Consequently, all users undertake to diligently use the password assigned and to keep it secret, in order to access the Website and/or its services. If users become aware or have reason to believe that their password has been lost, stolen or used by third parties, they will duly inform APPS as soon as possible.

3.2. Types of use not permitted

Users may in no event change or erase any existing identification details, related to rights of APPS or third parties. Users may only access contents through the means or procedures made available to them for this purpose on the Website, or which are regularly used on the Internet, provided that this does not entail a breach of any intellectual or industrial property rights or causes any type of damage to the Website and/or its information or offered services.

All users undertake to use any contents and services diligently, legally, adequately and lawfully. In particular, as a mere example without limitation, they undertake to refrain from:

  1. using the contents and services in a manner and for purposes that are contrary to law, morality and generally accepted good practices, or the public order;
  2. using the contents and services in such a way as to actually or potentially cause effects that are contrary to law, morality, generally accepted good practices or the public order;
  3. transferring or disseminating information, data, contents, messages, diagrams, drawings, sound and/or image files, photographs, recordings, software and, in general, any obscene, offensive or vulgar material, or which encourages criminal, denigrating, defamatory, dishonourable or violent conduct or, in general, which is contrary to law, morality, generally accepted good practices or the public order;
  4. reproducing, copying or distributing the contents, or allowing public access thereto through any form of public communication, or transforming or changing them, unless the holder of the rights in question has authorised this, or this is permitted by law;
  5. infringing any intellectual or industrial property rights belonging to APPS or third parties;
  6. using the services and contents in such a way as to damage or overload the Platform’s operation;
  7. carrying out fraudulent transactions, or which could facilitate any illegal or fraudulent content whatsoever; and
  8. using the contents and services and, in particular, any information whatsoever obtained through the Platform, for any advertising purpose, to particularly include delivery of advertising, communications for direct sales or any other type of commercial purpose, unsolicited individualised messages or spam, or to otherwise distribute or divulge such information.

As foreseen by law, users will be liable for any loss and damage whatsoever that APPS may directly or indirectly suffer as a consequence of breaching any of the obligations derived from these Terms of Use or the law, related to use of the Website.

3.3. Use of the Website and App: liability

Each user will be fully responsible for adequately using the Website, pursuant to current law, further to the principles of good faith, morality and the public order. Users must diligently follow any instruction provided to them by APPS, related to such use and access, as foreseen in these Terms of Use.

Users will be obliged to make reasonable use of the Website and App, contents included, based on the possibilities and purposes for which they were conceived.

Each user will be solely liable for any information, opinions, allusions or contents whatsoever he/she may communicate through the Website.

3.4. Disclaimer

3.4.1. For contents provided through the Website or App

If any of the contents, files, information, advertising, opinions, concepts and images hosted on the Website or App were contrary to law, morality, good faith and the public order, or were to contain any type of malware or similar software routine, these will be immediately withdrawn. APPS hereby disclaims all liability for any contents, files, information, advertising, opinions, concepts and images that do not depend on the Website or App, or which are not under its management.

APPS will not be held directly or indirectly liable for misuse of the Website or App, contents included, by its users. APPS hereby disclaims all liability for any misuse of the Website or App contents, and the person accessing or using the same will be fully liable.

3.4.2. For contents hosted on pages accessed from the Website or App

APPS will not be liable for any of the contents, files, information, advertising, opinions, concepts and images that are issued, published or distributed, directly or indirectly, through any interconnected website, or which may be accessed through the Website or App, through links, or any services linked or related to such interconnected site. Likewise, APPS hereby waives all liability for any services, goods or products that may be purchased or hired from third parties through a Website link, particularly if the purchasing or hiring process is directly executed on the third party’s website, and even if frames are displayed with web page branding.

3.4.3. For operation of the Website and App

APPS will provide its services and contents in a continuous manner, using any technical means within its reach in order to satisfactorily provide them. APPS, if deemed appropriate, may make corrections, improvements or changes in the Website or App information, in their services or contents, without this entailing or granting entitlement to any claim or indemnification, or constituting an acknowledgement of any liability.

APPS hereby waives all liability for any loss and damage whatsoever that may arise from the availability and technical continuity of the Website or App’s operation, in events of force majeure.

In any case, APPS will take all the necessary steps to restore its services after a technical failure.

APPS will not be liable for any misuse of user passwords to access Website or App contents or services. APPS reserves the right to interrupt Website access, as well as the provision of any or all the contents provided through the same, at any time and without prior notice, for technical, security, control or maintenance reasons, if there is a power outage, or for any other founded cause.

3.5. Intellectual and industrial property

APPS, as the author of the collective work making up the Website or App, legitimately owns all related industrial and intellectual property rights.

It will be forbidden to reproduce, distribute, publicly communicate or transform all or part of the contents (images, texts, designs, indexes, shapes, etc.) making up the Website or App, to generally include any exploitation act, as well as the databases and software required for its viewing or operation, unless this is expressly and previously authorised by APPS in writing.

Users may in no case exploit or make commercial use, directly or indirectly, in whole or in part, of any of the contents (images, texts, videos, designs, indexes, shapes, etc.) making up the Website or App, without APPS’s prior and written authorisation.

All contents, without exception and limitation, making up this Website or App, i.e. information, photos and videos, articles, data, texts, logos, icons, pictures, design and image (external appearance or “look & feel”), video and audio files, databases, computer applications, are owned by APPS or are exploited under third party licences, holding any intellectual and/or industrial property rights over such contents.

The foregoing is protected by intellectual and industrial property laws in force. All Health Keeper brands and logos, referred to in the Website, are APPS’s commercial or registered trademarks.

3.6. Changes and amendments in the Terms

APPS may at any time change these terms or introduce new Terms of Use, for which it will suffice to make an announcement through the Website.

If an unforeseen supervisory action, legal or regulatory measure were to take place which, in APPS’s reasonable opinion, materially restricts or renders provision of the service commercially unfeasible, APPS will be entitled to:

(i) change the service or the terms and clauses of these conditions, in order to adapt to the new situation;

(ii) terminate these terms and conditions.

3.7. Applicable law and jurisdiction

The regulations in force will determine the laws that should govern the relationship between APPS and the user of the website or mobile application, as well as the competent jurisdiction for this purpose.

This notwithstanding, in cases where this regulation in force prescribe the possibility for the parties to submit to a specific jurisdiction, APPS and the User, expressly renouncing any other  jurisdiction that may apply, shall be subject to the Courts and Tribunals of the city of Madrid.



The Health Keeper Platform access service may include technical hyperlinks, directories and, even, search engines, allowing users to access Internet websites (hereinafter, the “Linked Sites”). In these cases, APPS will act as a servicer pursuant to Article 17 of Act 34/2002, of 11 July, on Information Society Services and Electronic Commerce [Ley 34/2002, de 11 de julio, de Servicios de la Sociedad de la Información y el Comercio Electrónico] (hereinafter, the “LSSI”) and will only be liable for the contents and services provided on the Linked Sites insofar as it is effectively aware of their illegality or ability to harm third party goods or rights, and fails to deactivate the link with due care.

If a user were to consider that a Linked Site exists, with illegal or inadequate contents, he/she may duly inform APPS at the contact address indicated in section one above, stating:

  1. name, address, telephone number and e-mail address of the notifying party;
  2. a description of the facts disclosing the illegality or inadequacy of the Linked Site; and
  3. an express statement that the information contained in the communication is accurate. In no event will this communication entail an obligation to withdraw the link in question or, as provided in the LSSI, will constitute effective knowledge of the activities and/or contents informed by the notifying party.

In no event will the existence of Linked Sites presuppose that agreements are in place with their managers or owners, or APPS’s recommendation, promotion or agreement with such statements, contents or services provided.

APPS is unaware of the contents and services of any Linked Sites and, consequently, will not be liable for any damage caused by the illegality, quality, outdating, unavailability, error or uselessness of the contents and/or services on the Linked Sites, or for any other damage not directly attributable to APPS, except as foreseen in Article 17 LSSI.

If users decide to visit and/or use any of the Linked Sites, they will do so at their own risk, and must take the necessary protection measures against virus and other harmful components.



Any Internet user intending to introduce links from its own web pages to the Website will follow the conditions described below; unawareness of the foregoing will not exclude it from legal liability:

  1. A link may only be connected to the Website’s home page, but may not reproduce it in any way (inline links, deep-links, browser or border environment, copy of texts, diagrams, etc.);
  2. In accordance with applicable laws at all times, it will in any case be forbidden to establish frames of any kind surrounding the Website, or allowing contents to be viewed through Internet addresses other than the Website and, in any case, if jointly viewed with contents outside the Website, in such a way as to: (i) actually or potentially mislead or deceive users as to the actual source of the service or contents; (ii) constitute a comparison or unfair imitation; (iii) be used to take advantage of AXA’s brand awareness and prestige; or (iv) if otherwise forbidden by current laws;
  3. The web page of the inbound link may not make any type of statement or indication that is false, inaccurate or incorrect, about APPS or AXA in general, or their employees, clients or quality of the services provided;
  4. In no event will it be stated or suggested on the web page where the link is located that APPS has provided its consent to insertion of the link or that it otherwise sponsors, collaborate, verifies or supervises the sender’s services;
  5. It will be forbidden to use any denominational, graphic or combined trademark, or any other distinctive sign of APPS or AXA, in the sender’s web page, except for the cases permitted by law or expressly authorised therein, and provided that a direct link is allowed to the Website, in the manner foreseen in this clause;
  6. The web page establishing the link must accurately comply with the law and may in no case dispose of or provide a link to own or third party contents which:
    • are illegal, noxious or contrary to morality and good practices (pornographic, violent, racist, etc.);
    • actually or potentially induce users to mistakenly believe that APPS or AXA are subscribing, endorsing, adhering to or otherwise supporting the sender’s ideas, statements or expressions, whether legal or illegal;
    • are inappropriate or not pertinent to APPS or AXA’s activity, given the place, contents and theme of the sender’s web page;
  7. Establishing any such link will in no case mean that relations exist between APPS and the owner of the web page in question, or APPS’s acceptance or approval of the contents or services offered therein and made available to the public.