Legal Notices

Agreement

By www.kredit-vergleich.ch accessing, using or browsing our website, you agree to accept the terms and conditions set out below, as well as those set out on the relevant page.

Scope

The legal provisions listed on kredit-vergleich.ch are addressed exclusively to natural and legal persons.

Disclaimer

The information on our website is regularly checked and updated. However, information may change in the meantime. Neither kredit-vergleich.ch nor its employees assume any liability for the correctness, completeness, confidentiality or secrecy of the data as well as the timeliness of the services and information offered on their website. kredit-vergleich.ch reserves the right to amend, amend or delete the content of its website at any time. In particular, any liability for direct, indirect and consequential damages that users or third parties may suffer in any way as a result of the use of the Internet, the website and the information resulting from it is excluded. This exclusion of liability also includes, among other things, the loss of data due to the misuse of third parties and the smuggling in of viruses as well as transmission errors, technical defects, malfunctions or misuse of the telephone network, congestion of the networks and any lack of legitimacy.

kredit-vergleich.ch is not responsible for the entries made by users, nor for the content of pages that are not reviewed or maintained by kredit-vergleich.ch.

Use of the Website

All information, services and data available on the kredit-vergleich.ch website are to be used exclusively for personal use. Copying, reproduction and distribution for public or commercial purposes and modifying the website and all related information are prohibited.

Copyright

All texts, images and graphics are subject to copyright and other laws for the protection of intellectual property. They may not be copied or modified for private use, for commercial purposes or for other distribution, on other websites or used in any other way. Some articles also contain images that are subject to the copyright of those who provided them. All illustrations as well as photographs, texts and graphics on the entire website are subject to the copyright of kredit-vergleich.ch. Publication and use of the data, with the exception of journalistic reporting, is only permitted with the express written permission of kredit-vergleich.ch and with reference to the source. Commercial use is only permitted with the explicit written permission of kredit-vergleich.ch and with reference to the source.

Services provided by kredit-vergleich.ch

The services provided by kredit-vergleich.ch include:

  • Receipt of the loan application
  • Review of customer needs
  • Non-binding assessment of creditworthiness
  • Free advice and support through the loan application process
  • Processing of loan applications
  • Support with credit enquiries

Notes on correspondence

By disclosing the correspondence details (e.g. e-mail address, mobile phone number), I authorize kredit-vergleich.ch to send unencrypted messages and offers via the public Internet by electronic mail (e-mail). In addition, I authorize kredit-vergleich.ch to ask questions about the loan application and contract by e-mail, telephone, SMS and to leave messages on my answering machine. Correspondence in connection with the application, in particular via e-mail and SMS, can also be unencrypted.

I can limit or revoke this correspondence authorization at any time by notifying kredit-vergleich.ch in writing.

The privacy policy applies to the use of the data.

Application

I acknowledge and agree that kredit-vergleich.ch forward my application to Cembra Money Bank, Bank-now, Corner Banca and Good Finance via the Internet, by email or by fax/post. In addition, I confirm the following: Application review and credit report data:

I confirm the correctness of all my information and authorize the financial institution to obtain information about me from third parties, in particular banks, the Central Office for Credit Information (ZEK), authorities (e.g. debt collection and tax offices, residents’ registration offices, child and adult protection authorities), credit agencies, credit intermediaries, employers, group companies of the financial institution and, where appropriate, the Consumer Credit Information Unit (IKO).
For the above-mentioned purposes, I release these bodies from bank customer, postal, official or business secrecy. I also authorise the financial institution to notify the ZEK and, if applicable, the IKO of the requested transaction and, if necessary, to report it to other bodies in the event of corresponding legal obligations. The following are reported:
namely, the type, amount and modalities of the loan or financing, as well as the personal details of the applicant and, if applicable, qualified payment arrears or abuses. I recognise the right of the CEC and the IKO to provide their members with information about the data reported.
The financial institution may reject the application without giving reasons. Cooperation with intermediaries: In the case of applications received from an intermediary, the financial institution may obtain with the intermediary the necessary information related to the application/creditworthiness assessment
as well as the conclusion and execution of contracts. Partner details: If I have provided information about my spouse or registered partner (“Partner”) in the application, I confirm that:

(i) I have informed my partner of this request;

(ii) the financial institution may verify the above information by contacting my partner directly, and

(iii) my partner agrees that the financial institution may
may obtain relevant information as described above (including carrying out requests for information from the ZEK).

Data processing: I authorize the financial institution to process my data.
also for risk management and marketing purposes and to create profiles. I authorize the financial institution to offer me other products and services, including those of the financial institution’s affiliates. I can
revoke this authorisation to process data for marketing purposes or to deliver information at any time. Cooperation with service providers (outsourcing): The financial institution may outsource services to third parties (“service providers”), in particular in the area of the handling of business processes, IT security and system control, market research and processing, the calculation of business-relevant credit and market risks as well as the administration of contractual relationships (e.g. application and contract processing, debt collection, communication with customers). The financial institution provides these service providers with the data necessary for the fulfilment of their contractual obligations and may also forward this data abroad for this purpose. Service providers, their employees and subcontractors are contractually obliged to comply with data protection in accordance with the requirements of the Swiss Data Protection Act, to maintain bank client confidentiality in accordance with the Swiss Banking Act and to maintain confidentiality. In this context, I acknowledge that my data may be forwarded to service providers in countries that may not have the same level of data protection as Switzerland. I confirm that I agree to the use of electronic communications between the financial institution and myself or the intermediary. I accept the transmission of data also via the Internet and I am aware that the Internet is an open network accessible to everyone. Accordingly, kredit-vergleich.ch and the financial institution cannot guarantee the confidentiality of data when transmitted over the Internet. It is therefore possible for third parties to draw conclusions about an existing or imminent business relationship between me and the financial institution (possibly a banking relationship). Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG). I hereby confirm that I have read the legal notice in full and agree with all points.

No offer

kredit-vergleich.ch has the right to reject the present request without giving reasons and not to make an offer.

Direct marketing

If the user contacts kredit-vergleich.ch via the Internet, e-mail, post or any other means, he or she agrees that kredit-vergleich.ch may occasionally send information about the company, its products and services to his or her postal and e-mail address. The user can refuse the use of customer data for marketing purposes at any time in writing.

Spam

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