Terms and Conditions (“Terms”)

Last updated: 1st September 2018

Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the www.innoveo.com website (the “Service”) operated by Innoveo (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service. By accessing or using the Service you agree to be bound by these Terms. If you
disagree with any part of these Terms then you may not access the Service.

1. Disclaimer

All content of this website is intellectual property of Innoveo and may not be reproduced, republished, distributed, transmitted, displayed, broadcast or otherwise exploited in any manner without the express prior written permission of Innoveo. Unauthorized exploitation is punishable under Swiss law (Art. 23 i.V.m Art. 5 UWG)

Furthermore, this website is protected by copyright laws. The therein founded rights, especially with regard to translation, reprint, extraction of images, photomechanical distribution or similar as well as storage on a computer, remain reserved even if only partially exploited.

The functions, data and designs described in this website are subject to change. They serve to better understand the matter with no claim of completeness and correctness to detail.

All rights reserved.

2. Links to other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or
controlled by Innoveo .

Innoveo has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that

Innoveo shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

3. Governing Law

These Terms shall be governed and construed in accordance with the laws of Switzerland, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have between us regarding the Service.

4. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days’ notice prior to any new terms taking effect via this website. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

5. Contact Us

If you have any questions about this Privacy Policy, please contact us:

Customer Success Stories

What do they say about us?


CEO and Founder Gryves

"Thanks to the flexible platform and excellent service, we were able to bring our products to market quickly and easily"


2017 - Gryves is a Swiss and UK based start up offering cyber security risk assessments services and risk transfer options to SMEs. Gryves was looking for a digital platform that could host and manage their products online. Innoveo came into the picture as a strategic partner to enter the Insurtech market.


As a start up, Gryves had to pivot multiple times to better define the final business model and the technological platform that could best support their offer in the market. Innoveo Skye’s ability to adapt and optimize their application allowed them to experiment the many different possible approaches for a customer portal before developing a final version and winning important partnerships.

Currently the Gryves customer portal includes two assessments, a DOMAIN CYBER CHECK which is based on data analysis and a BUSINESS BASICS CYBER CHECK which is based on a comprehensive questionnaire. Utilizing the flexibility of the Innoveo platform, Gryves can react quickly to customer requests if it comes to service provision, especially the ability to tailor the products. Innoveo’s ability to do change requests via configuration instead of coding reduces considerably time-to-market.


  • Real-time DOMAIN CYBER CHECK for SMEs
  • Adjust products via configuration
  • Innoveo as a tech platform and strategical partner
  • Enable InsurTech

Customer Success Stories

What do they say about us?



Deputy IT Director

Zurich Ireland

"...the Innoveo Skye platform enabled a market leading customer journey for quote and bind"


2017 - Zurich Ireland wanted to re-launch their Direct Home Insurance offering enabling an improved digital customer journey. This offering had to integrate to the a number of backend systems. After going through a POC phase, Zurich Ireland selected the Innoveo Skye platform. The Home Insurance product was launched successfully in October 2017.


The application consists in distributing Home insurance across Call Centre, Web, Mobile & Distribution Partnership.

Processes include Quote, Bind, Endorsements, Cancelation.

Innoveo Skye supports Pricing rating, underwiting/referral, user management functionalities. This integrates with several different systems:

  • Customer communication via document generation
  • Customer communication via email
  • Management Information Reporting
  • Back Office systems for underwriting and claims management
  • Customer Relationship Management
  • Integration to 3rd Party solutions for Address GeoCoding, flood analysis etc.

Zurich Ireland is progressing with a similar approach for other lines of business.



  • Market leading customer journey for quote and bind
  • Re-launch of partnership journey within 8 weeks
  • 2 - 3 months of configuration for quote & bind
  • Empowering digital engagement with customers






    Customer Success Stories

    What do they say about us?



    "Innoveo helped us to transfer our startup business idea into a functional platform prototype.”


    2017- Sandro and Daniel, vlot founders, had a great business idea to enter the insurtech market but no technical expertise to implement it.

    Hiring IT professionals or an IT company would be expensive and time consuming, so an alternative was needed.

    Informed by the new trend of no-code platforms, vlot founders contacted us to evaluate Innoveo Skye as a possible solution. A couple of meetings later, excited by the features we presented, such as the calculation engine easily manageable and layout customization, collaboration started.


    With Innoveo’s support, based on the modular configuration, very soon the first vlot functional prototype application was built. The insurance expertise from Innoveo and the team cooperation were highly appreciated.

    A team of 2 business analysts configured the demo vlot application – a platform that assesses the risk coverage of individuals and families with the goal of enhancing coverage in order to close any identified gap.

    Insurers need to move upstream and be present specific life events and decisions. Initially focusing on biometric risks, vlot provides easy access to a holistic assessment of state and employer related social security benefits. The vlot platform then maps consumer needs to a flexible risk coverage – on day X, but also a lifetime long: constantly capturing relevant life events and instantly transferring those into a meaningful adjustment of a chosen coverage level.

    One of the main advantages of Innoveo Skye was the easiness of setting up and adapting the assessment algorithm in a simple Excel - business people not trained to develop applications in Skye could adapt the algorithm anytime and simply upload it to the platform so that the changes were applied immediately.


      Innoveo enabled vlot to build a demo prototype solution that was successfully presented at Digital Insurance Agenda (DIA) in Amsterdam in May 2018