vlot is a white-label software-as-a-service platform for financial wellbeing, made by vlot AG of Zürich. It turns financial data into risk and retirement analyses, including pension overviews and the identification of coverage gaps. Insurers, brokers, banks, pension funds, employers and fintechs embed it in their own advisory and self-service channels. The platform is modular and integrates into existing systems. The vendor also offers consulting, customisation, roll-out and training, plus data packages it describes as AI-ready.
vlot AG is headquartered in Switzerland, which is not an EU member but an EFTA country with an EU adequacy decision. The vendor names no parent company. Its website does not state where customer data is hosted, so ask the vendor. Its sub-processor list for GDPR-relevant data names Microsoft Azure, GitHub, HashiCorp and Twilio, and the privacy statement says personal data may be processed in Switzerland, the EU/EEA and the USA. The privacy statement refers to the Swiss Federal Act on Data Protection and the GDPR. Financial and pension data is sensitive, so check hosting region, processing agreement and sub-processors.