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and editorial team

Comercialstrasse 34
Postfach 286
CH-7007 Chur

081 650 08 80

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technical implementation and operation

Comercialstrasse 36
7000 Chur


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The images used by Integral are strongly influenced by the unique alpine landscape of Graubünden. Let us inspire you.

Figure captions

Home page: Bernina Pass

Pensions page: Lai da Palpuogna
– Retirement pension: Lake Flüela
– Invalidity pension: Jöriseen lakes
– Survivor’s pension: Heaven’s Door, Julier Pass

Investment page: Flüela Pass
– Performance: Graubünden winter landscape
– Growth Ruinaulta canyon
– Sustainability Sulzfluh mountain

Services page: Jöriseen lakes

Photographers: Gianmarco Castelberg (landscapes), Unsplash (landscapes), Caroline Staeger (employee/team photos)

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www.integral.swiss is the website of the IntegralStiftung für die berufliche
Vorsorge (referred to below as Integral). The website has been designed and is operated by Integral together with a number of partners. Anyone who accesses this website and uses it to obtain information has agreed to the following terms and conditions:


Diese Webseite richtet sich nicht an Personen, welchen nach der für sie geltenden Rechtsordnung der Zugriff nicht gestattet ist.

Use and exclusion of liability

When designing and operating its website, Integral takes all the necessary technical and operational measures to ensure that it functions correctly. However, it is not always possible to prevent problems such as the loss or falsification of data, viruses, shutdowns etc. Users access the website at their own risk. This also applies to e-mails and links that lead to our website. In particular, Integral does not guarantee that the website will function or that it will function without problems. Integral also cannot guarantee that the website and the applicable server are free from viruses or malware.Integral accepts no liability for damage or consequential damage resulting from access to or use of its website or individual elements of its website (including the impossibility of accessing or using it).
If security risks are identified, Integral also explicitly reserves the right to interrupt access to its website until the risks have been resolved and, in serious cases, to block access altogether. Integral accepts no liability for damage or consequential damage resulting from the interruption or blocking of access to its website.

Information and guarantee exclusion

Integral makes every effort to ensure that the information on its website is correct and up-to-date at the time when it is published. However, neither Integral nor its contractual partners can give an explicit or inherent assurance or guarantee (including to third parties) that the information is up-to-date, correct, of high quality or complete.
The information, products and services described on Integral’s website do not constitute a recommendation or an offer to enter into an affiliation contract. The details given on the website are not binding and are provided for information purposes only. Unless explicitly agreed otherwise, Integral reserves the right to reject an application without stating the reasons for doing so.
Before you decide to affiliate with Integral, let us make you a binding offer. Read the offer and the enclosures and seek advice from our employees or a qualified specialist.
Integral will not accept liability claims based on material or non-material damage caused by the use or non-use of the information provided or by the use of incorrect or incomplete information, provided Integral cannot be demonstrated to have acted with deliberate intent or gross negligence.

Links to other websites

Integral’s website contains links to other websites. Integral has not checked these websites and takes no responsibility for their content, the products, services or information they offer, their other offerings or their compliance with the provisions of data protection legislation. Users click on links at their own risk.
If Integral becomes aware that the content of websites that it has links to is illegal, it will remove the links from its website. The same applies to third-party entries in visitors’ books, discussion forums and mailing lists created by Integral.

The right to make changes

Integral explicitly reserves the right to change, add to and delete information on its website at any time without prior notice or to temporarily or permanently cease publication of the information.

Data protection

Users who access the Integral website remain anonymous. If this website offers users the option of entering personal or business data (e-mail addresses, names, postal addresses), these data are provided by the user explicitly on a voluntary basis.


We use cookies on our website. Cookies are data that the website you visit or its server stores on your computer via your browser so that the website can identify your computer at a later date. When you visit the website again later, your computer sends the cookie data with the request to the server. The cookies are used to present complex, dynamic content and to recognise you when you visit the website again, in other words, to make the website more user friendly. You can prevent cookies from being installed at any time by changing the settings in your browser. You can also choose to have a warning displayed before you accept a cookie so that you can decide yourself whether or not you want to allow cookies. You can use our website without accepting cookies, but some functions may be restricted.

Google Analytics

This website uses Google Analytics, a web analysis service provided by Google Inc. (“Google”). Google Analytics uses cookies. These are text files which are stored on your computer and which allow your use of the website to be analysed. The information generated by the cookie about your use of this website (including your IP address) is transferred to a Google server in the USA and stored there. Google will use this information to analyse your use of our website, to create reports on the activities within the website for the website operators and to provide additional services relating to the use of our website and of the internet. Google may also transfer this information to third parties if this is required by law and if the third parties process these data on behalf of Google. The IP address transferred by your browser will under no circumstances be aggregated with other data held by Google. You can change your browser settings to prevent cookies from being installed. However, you should be aware that in this case you may not be able to use all of the functions of the website in full. By using this website, you agree to Google processing the data collected about you in the way described above and for the purpose given above. If you do not want your data to be collected, you can disable Google Analytics using a browser extension: Google Analytics opt-out browser add-on (https://tools.google.com/dlpage/gaoptout).


All elements of the Integral website are protected by copyright and belong exclusively to Integral. Downloading, printing, copying, storing or processing the content of the website in full or in part is permitted only for private use. If elements of the website are reproduced in any form, either digitally or in writing, a specific reference must be made to Integral. Copyright notices and other legally protected names may not be changed or removed.
Full or partial reproduction, transfer by digital or other means, modification, linking or use for public or commercial purposes is forbidden without Integral’s prior explicit consent. The copyrights of third parties remain unaffected.

Applicable law and place of jurisdiction

All legal relationships that could result from accessing the Integral website are subject to Swiss law. The exclusive place of jurisdiction is Chur.

Legal validity of the exclusion of liability

If parts or individual phrases of this legal information are invalid, the other parts of the information remain valid and the invalid part should if possible be interpreted by the contractual parties in such a way that the original purpose of the invalid phrase can be maintained as far as possible.