Data protection

The controller within the meaning of data protection laws, in particular the EU General Data Protection Regulation (GDPR), is

credXperts AG
Lindenackerstrasse 1a
8360 Eschlikon

E-mail: info@credxperts.ch
Website: https://www.credxperts.ch

Based on Article 13 of the Swiss Federal Constitution and the data protection provisions of the Swiss Confederation (Data Protection Act, DSG), every person is entitled to protection of their privacy and protection against misuse of their personal data. The operators of these pages take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with the statutory data protection regulations and this privacy policy.

In cooperation with our hosting providers, we endeavour to protect the databases as well as possible against unauthorised access, loss, misuse or falsification.

We would like to point out that data transmission over the Internet (e.g. when communicating by e-mail) can have security gaps. Complete protection of data against access by third parties is not possible.

By using this website, you consent to the collection, processing and use of data in accordance with the following description. This website can be visited without registration. Data such as pages called up or the name of the file called up, date and time are stored on the server for statistical purposes without this data being directly related to your person. Personal data, in particular name, address or e-mail address, are collected on a voluntary basis as far as possible. No data will be passed on to third parties without your consent.

Personal data is any information relating to an identified or identifiable person. A data subject is a person about whom personal data is processed. Processing includes any handling of personal data, regardless of the means and procedures used, in particular the storage, disclosure, procurement, erasure, storage, modification, destruction and use of personal data.

We process personal data in accordance with Swiss data protection law. In addition, we process personal data in accordance with the following legal bases in connection with Art. 6 para. 1 GDPR, insofar as the EU GDPR is applicable:

• lit. a) Processing of personal data with the consent of the data subject.
• lit. b) Processing of personal data for the fulfilment of a contract with the data subject and for the implementation of corresponding pre-contractual measures.
• lit. c) Processing of personal data to fulfil a legal obligation to which we are subject under any applicable EU law or under any applicable law of a country in which the GDPR is applicable in whole or in part.
• lit. d) Processing of personal data in order to protect the vital interests of the data subject or another natural person.
• lit. f) Processing of personal data in order to protect the legitimate interests of us or third parties, unless the fundamental freedoms and rights and interests of the data subject prevail. Legitimate interests are, in particular, our commercial interest in being able to provide our website, information security, the enforcement of our own legal claims and compliance with Swiss law.

We process personal data for the duration required for the respective purpose or purposes. In the case of longer-term retention obligations due to legal and other obligations to which we are subject, we restrict processing accordingly.

The processing of personal data forms an insignificant basis, which is why we can make risk assessments, credit checks and other clarifications as well as enquiries to third parties in Switzerland and abroad in order to safeguard the interests of third parties (e.g. banks).

This website uses cookies. These are small text files that make it possible to store specific user-related information on the user's end device while they are using the website. Cookies make it possible, in particular, to determine the frequency of use and number of users of the pages, to analyse the behaviour of page use, but also to make our offer more customer-friendly. Cookies remain stored at the end of a browser session and can be called up again when you visit the site again. If you do not wish this to happen, you should set your Internet browser to refuse to accept cookies.

A general objection to the use of cookies used for online marketing purposes can be raised for a large number of services, especially in the case of tracking, via the US site http://www.aboutads.info/choices/ or the EU side http://www.youronlinechoices.com/ be explained. Furthermore, the storage of cookies can be achieved by switching them off in the browser settings. Please note that you may then not be able to use all the functions of this website.

This website may use Google Maps for embedding maps, Google Invisible reCAPTCHA for protection against bots and spam and YouTube for embedding videos.

These services of the American Google LLC use cookies, among other things, and as a result, data is transferred to Google in the USA, whereby we assume that no personal tracking takes place in this context solely through the use of our website.

Google has undertaken to guarantee appropriate data protection in accordance with the US-European and US-Swiss Privacy Shield.

Further information can be found in the Privacy policy of Google.

If you send us enquiries via the contact form, your details from the enquiry form, including the contact details you provide there, will be stored by us for the purpose of processing the enquiry and in the event of follow-up questions. We will not pass on this data without your consent.

You have the right to free information about your stored personal data, its origin and recipient and the purpose of the data processing as well as a right to correction, blocking or deletion of this data at any time. You can contact us at any time at the address given in the legal notice if you have further questions on the subject of personal data.

This website uses Google Conversion Tracking. If you have reached our website via an advert placed by Google, Google Adwords will set a cookie on your computer. The cookie for conversion tracking is set when a user clicks on an advert placed by Google. These cookies lose their validity after 30 days and are not used for personal identification. If the user visits certain pages of our website and the cookie has not yet expired, we and Google can recognise that the user clicked on the ad and was redirected to this page. Each Google AdWords customer receives a different cookie. Cookies can therefore not be tracked via the websites of AdWords customers. The information collected using the conversion cookie is used to generate conversion statistics for AdWords customers who have opted for conversion tracking. Customers are told the total number of users who clicked on their advert and were redirected to a page with a conversion tracking tag. However, they do not receive any information that can be used to personally identify users.

If you do not wish to participate in tracking, you can refuse the setting of a cookie required for this - for example, by using a browser setting that generally deactivates the automatic setting of cookies or by setting your browser to block cookies from the domain "googleleadservices.com".

Please note that you must not delete the opt-out cookies as long as you do not wish measurement data to be recorded. If you have deleted all your cookies in the browser, you must set the respective opt-out cookie again.

This website uses Google Conversion Tracking. If you have reached our website via an advert placed by Google, Google Adwords will set a cookie on your computer. The cookie for conversion tracking is set when a user clicks on an advert placed by Google. These cookies lose their validity after 30 days and are not used for personal identification. If the user visits certain pages of our website and the cookie has not yet expired, we and Google can recognise that the user clicked on the ad and was redirected to this page. Each Google AdWords customer receives a different cookie. Cookies can therefore not be tracked via the websites of AdWords customers. The information collected using the conversion cookie is used to generate conversion statistics for AdWords customers who have opted for conversion tracking. Customers are told the total number of users who clicked on their advert and were redirected to a page with a conversion tracking tag. However, they do not receive any information that can be used to personally identify users.

If you do not wish to participate in tracking, you can refuse the setting of a cookie required for this - for example, by using a browser setting that generally deactivates the automatic setting of cookies or by setting your browser to block cookies from the domain "googleleadservices.com".

Please note that you must not delete the opt-out cookies as long as you do not wish measurement data to be recorded. If you have deleted all your cookies in the browser, you must set the respective opt-out cookie again.

This website uses functions of Facebook Inc, 1601 S. California Ave, Palo Alto, CA 94304, USA . When you access our pages with Facebook plug-ins, a connection is established between your browser and the Facebook servers. Data is already transmitted to Facebook. If you have a Facebook account, this data can be linked to it. If you do not wish this data to be linked to your Facebook account, please log out of Facebook before visiting our site. Interactions, in particular the use of a comment function or clicking on a "Like" or "Share" button, are also passed on to Facebook. You can find out more at https://de-de.facebook.com/about/privacy.

Functions of the Instagram service are integrated on our pages. These functions are offered by Instagram Inc, 1601 Willow Road, Menlo Park, CA, 94025, USA. If you are logged into your Instagram account, you can link the content of our pages to your Instagram profile by clicking on the Instagram button. This allows Instagram to associate your visit to our pages with your user account. We would like to point out that, as the provider of the pages, we have no knowledge of the content of the transmitted data or its use by Instagram.

Further information on this can be found in Instagram's privacy policy: http://instagram.com/about/legal/privacy/

This website uses functions of the LinkedIn network. The provider is LinkedIn Corporation, 2029 Stierlin Court, Mountain View, CA 94043, USA. Each time one of our pages containing LinkedIn functions is accessed, a connection to LinkedIn servers is established. LinkedIn is informed that you have visited our website with your IP address. If you click on the LinkedIn "Recommend" button and are logged into your LinkedIn account, LinkedIn is able to associate your visit to our website with you and your user account. We would like to point out that, as the provider of the pages, we have no knowledge of the content of the transmitted data or its use by LinkedIn.

Further information on this can be found in LinkedIn's privacy policy at: https://www.linkedin.com/legal/privacy-policy

We process the data of our members, supporters, interested parties, customers or other persons in accordance with the data protection regulations of the federal government (Data Protection Act, DSG) and the EU GDPR in accordance with Art. 6 para. 1 lit. b. GDPR. GDPR, insofar as we offer them contractual services or act in the context of an existing business relationship, e.g. with members, or are ourselves recipients of services and benefits. Otherwise, we process the data of data subjects in accordance with Art. 6 para. 1 lit. f. GDPR on the basis of our legitimate interests, e.g. when it comes to administrative tasks or public relations work.

The data processed, the type, scope and purpose and the necessity of their processing are determined by the underlying contractual relationship. This generally includes inventory and master data of the persons (e.g., name, address, etc.), as well as contact data (e.g., e-mail address, telephone, etc.), contract data (e.g., services used, content and information provided, names of contact persons) and, if we offer services or products subject to payment, payment data (e.g., bank details, payment history, etc.).

We delete data that is no longer required to fulfil the statutory purposes. This is determined according to the respective tasks and contractual relationships. In the case of business processing, we retain the data for as long as it may be relevant for business processing and with regard to any warranty or liability obligations. The necessity of storing the data is reviewed at irregular intervals. In all other respects, the statutory retention obligations apply.

The copyright and all other rights to content, images, photos or other files on the website belong exclusively to the operator of this website or the specifically named rights holders. The written consent of the copyright holder must be obtained in advance for the reproduction of all files.

Anyone who commits a copyright infringement without the consent of the respective rights holder may be liable to prosecution and may be liable for damages.

We may amend this privacy policy at any time without prior notice. The current version published on our website shall apply. If the privacy policy is part of an agreement with you, we will inform you of the change by e-mail or other suitable means in the event of an update.

Enquiries from Germany are automatically sent to FFG Finanzcheck to follow up on the loan request.

All further steps are taken by FFG Finanzcheck and contact is made with the potential customer.

If you have any questions about data protection, please send us an e-mail or contact the person responsible for data protection in our organisation listed at the beginning of this privacy policy directly.

Uster, 21.10.2019
Source: swissanwalt.ch