WhatsApp Exposure Check
A 90-second check on your firm's exposure.
Two short steps — your firm profile and your current procedures. We show your estimated exposure, where the gaps are, and whether your insurance is likely to respond. Illustrative ranges, not legal advice.
1Firm profile
2Your procedures
3Your result
Step 1 of 3
Tell us about your firm.
Three inputs. Rough numbers are fine.
Total active clients
75
Approximate count of clients the firm actively communicates with.
% on WhatsApp / personal channels
60%
Be honest. Most firms underestimate by 2–3×.
Partners / RMs at the firm
3
Each partner carries personal criminal liability.
Step 1 of 3 — about 30 seconds remaining
Step 2 of 3
Five questions about your procedures.
These aren't a compliance assessment — just questions to ask yourself
honestly. If unsure between two answers, choose the lower one.
Step 3 of 3 · Your result
Estimated total exposure, single material breach
CHF —
Range across personal criminal, regulatory, civil, insurance gap, and reputational layers — adjusted for your current procedures.
Regulatory + criminal
Fine & remediation exposure
CHF —
FADP Art. 62 personal cap × partners + observed Swiss SO remediation cost ranges.
Civil + reputational
Client claim & AUM churn
CHF —
Single material client claim + observed 8–15% AUM churn following public disclosure of a breach.
!
Insurance gap analysis
Likely uncovered
Based on your procedure answers, your E&O / cyber policy is likely to deny or limit coverage on a WhatsApp-related breach. Speak to your broker about unsanctioned-channel exclusions.
How this is calculated. Regulatory + criminal exposure
uses the FADP Art. 62 statutory cap (CHF 250,000) per partner with
probability weighting, plus observed Swiss SO remediation cost ranges
from comparable matters (CHF 30K–200K). Civil exposure models a single
material client claim against your AUM exposure. Reputational AUM churn
applies the observed 8–15% post-disclosure range to client revenue.
Procedure answers materially adjust both exposure and the insurance gap
verdict.
This is illustrative — not legal advice. Actual exposure depends on facts, counsel quality, regulator discretion, and your specific insurance wording. For your firm's specific situation, consult a Swiss-qualified lawyer and your insurance broker.
This is illustrative — not legal advice. Actual exposure depends on facts, counsel quality, regulator discretion, and your specific insurance wording. For your firm's specific situation, consult a Swiss-qualified lawyer and your insurance broker.
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