Legal information
Consent
By accessing, using or browsing our website www.credXperts.ch, you agree to accept the terms and conditions set out below and on the relevant page.
Scope of application
The legal provisions listed on credXperts.ch are aimed exclusively at natural and legal persons.
Disclaimer
The information on our website is regularly checked and updated. However, information may change in the meantime. Neither credXperts nor its employees accept any liability for the accuracy, completeness, confidentiality or secrecy of the data or for the up-to-dateness of the services and information offered on its website. CredXperts reserves the right to amend, supplement or delete the content of its website at any time. In particular, any liability for direct or indirect damage or consequential damage that users or third parties may incur as a result of using the Internet, the website and the information contained therein in any way is excluded. This exclusion of liability also includes loss of data due to misuse by third parties and the introduction of viruses as well as transmission errors, technical defects, faults or misuse of the telephone network, network overload and any lack of legitimisation.
credXperts is not responsible for the entries made by users or for the content of pages that are not checked or maintained by credXperts.
Use of the website
All retrievable information, services and data on the credXperts website are to be used exclusively for personal use. Copying, reproducing and distributing 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 have made them available. All images, photographs, texts and graphics on the entire website are subject to the copyright of credXperts. Publication and use of the data, apart from journalistic reporting, is only permitted with the express written authorisation of credXperts and with reference to the source. Commercial use is only permitted with the express written authorisation of credXperts and with reference to the source.
Service from credXperts
The services provided by credXperts are in particular:
- Acceptance of the loan application
- Review of customer needs
- Non-binding assessment of creditworthiness
- Free advice and support through the loan application process
- Processing of credit applications
- Support with creditworthiness enquiries
Notes on correspondence
By providing the correspondence details (e.g. e-mail address, mobile phone number), I authorise credXperts to send me messages and offers by electronic mail (e-mail) via the public Internet in unencrypted form. I also authorise credXperts to ask questions about the credit application and credit agreement 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 text message, may also be sent unencrypted.
I can restrict or revoke this authorisation to correspond at any time by notifying credXperts in writing.
The privacy policy applies to the use of the data.
Application
I acknowledge and consent to credXperts AG forwarding my application to Cembra Money Bank, Bank-now and Good Finance via the Internet, by email or by fax/post. I also confirm the following: Application review and credit report data:
I confirm the accuracy of all my details and authorise 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 enforcement and tax offices, residents' inspectorates, child and adult protection authorities, credit agencies, employers, group companies of the financial institution and, if applicable, the Information Office for </ li debt enforcement and tax offices, residents' registration offices, child and adult protection authorities), credit agencies, credit brokers, employers, group companies of the financing institution and, if applicable, the Information Centre for Consumer Credit (IKO).
For the above-mentioned purposes, I release these bodies from banking, postal, official and business confidentiality. I also authorise the financial institution to notify the ZEK and, if applicable, the IKO of the transaction applied for and, if required by law, to notify other bodies. The following will be reported
in particular the type of loan or financing, amount and modalities as well as the personal details of the applicant(s) and any qualified payment arrears or misuse. I recognise the right of the ZEK and the IKO to provide their members with information about the reported data
.
The financial institution may reject the application without giving reasons. Cooperation with intermediaries: In the case of applications received from an intermediary, the credit institution may exchange the necessary information with the intermediary in connection with the application/creditworthiness check
as well as contract conclusion and processing. Information on partners: If I have provided information on my spouse or registered partner ("partner") in the application, I confirm that
(i) I have informed my partner of this application,
(ii) the financial institution may verify the above information by making direct enquiries with my partner, and
(iii) my partner agrees that the financial institution may
information concerning him/her as described above (including making information requests to the ZEK).
Data processing: I authorise the financial institution to process my data
also for risk management and marketing purposes and to create profiles. I authorise the financial institution to offer me other products and services, including those of the financial institution's group companies. I can
revoke this authorisation to process data for marketing purposes or to receive information at any time. Cooperation with service providers (outsourcing): The financial institution may outsource services to third parties ("service providers"), in particular in the areas of business process handling, IT security and system control, market research and processing, the calculation of business-relevant credit and market risks and 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 required to fulfil the 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 an equivalent level of data protection as Switzerland. I confirm that I agree to the use of electronic communication between the financial institution and myself or the intermediary. I also accept the transmission of data via the Internet and I am aware that the Internet is an open network accessible to everyone. Accordingly, credXperts AG and the financial institution cannot guarantee the confidentiality of data transmitted via the Internet. It is therefore possible for third parties to draw conclusions about an existing or forthcoming business relationship (possibly a banking relationship) between me and the financial institution. The granting of credit is prohibited if it leads to over-indebtedness (Art. 3 UWG).
No offer
credXperts has the right to reject the present application without giving reasons and not to submit an offer.
Direct advertising
If the user contacts credXperts via the Internet, e-mail, post or in any other way, he or she agrees that credXperts 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 in writing at any time.
Spam protection
This site is protected against spam by Google's reCAPTCHA - Privacy Policy & Terms of Service.
Data processing
I confirm that I have read the following legal provisions and agree to them: The information provided is complete and truthful. If the information provided is incorrect, BANK-now AG is not bound by its offer or any signed contract. I am aware that BANK-now AG is obliged to notify the Information Centre for Consumer Credit (IKO) and the Central Office for Credit Information (ZEK) of any consumer leasing / consumer credit to be granted or granted. Among other things, personal details, type, amount and modalities of credit as well as any quali[1]fied payment arrears and misuse are reported. It is acknowledged and recognised that the IKO and the ZEK are expressly permitted to make this data accessible to other members of the IKO and the ZEK. BANK-now AG is expressly authorised, for the purpose of assessing creditworthiness and for the processing and handling of the leasing or credit application or contract with the ZEK, the IKO and other public and private bodies (e.g. from debt enforcement and tax offices, commercial registers, residents' registration offices, guardianship authorities, credit agencies, credit intermediaries, employers, health insurance companies, landlords, land registries and any authorised third parties, banks, UBS Group companies or other suitable information and disclosure offices) and, if necessary, to use electronic communication channels. The information to be obtained includes, in particular, details of personal data, the company, creditworthiness and other leasing or credit obligations. BANK-now AG is authorised to contractually transfer the collection of the above information to contract data processors. To this extent, BANK-now AG is released from bank-client confidentiality. BANK-now AG contractually ensures that data protection regulations and banking secrecy are also observed by its commissioned data processors during the processing of personal data. The following also applies to the CREDIT-now Casa contract: In order to verify my details regarding my residential property, BANK-now AG (and any third parties commissioned by it) is also authorised to obtain the necessary information from the land registry offices in Switzerland in writing or by e-mail. BANK-now AG is authorised to transmit personal data, vehicle data and financing data to suppliers, logistics companies and other partners (e.g. importers) and to provide information on the result of the application review, the content of the contract and the fulfilment of the contract. If the application is approved, BANK-now AG is authorised to send all contractual documents and enclosures directly to the supplier, the logistics company or other partners. BANK-now AG is released from bank-client confidentiality to this extent. As a subsidiary of the UBS Group, BANK-now AG is authorised to transmit data to other companies in the Group. BANK-now AG is authorised to communicate electronically using the e-mail address(es) provided in the application and to transmit product offers and messages by electronic mail (e-mail) via the public Internet in unencrypted form. BANK-now AG may send information on the loan or leasing application, decision and contract to the (mobile) telephone number(s) specified in the application via SMS or leave a message on the answering machine. This authorisation can be revoked at any time by sending a written message or e-mail to BANK-now AG. BANK-now AG is authorised to communicate electronically with third parties such as suppliers, logistics companies and other partners and to send them information and documents by electronic mail (e-mail). It is known that electronic communication channels are generally not secured against access by unauthorised third parties[1] and can therefore harbour corresponding risks. E-mail and SMS messages can potentially be viewed and possibly modified by third parties inside and outside Switzerland. Telephone voice messages can potentially be intercepted by third parties inside and outside Switzerland. It is therefore possible to draw conclusions about a banking relationship. The identity of the sender could be changed or faked. The exchange of information may be impaired by transmission errors. BANK-now AG is authorised to collect the data for marketing purposes and to store it for a period of 10 years. BANK-now AG may use the data provided to create a personal profile and send personalised product offers and messages, including by electronic mail (e-mail) via the public Internet in unencrypted form to the e-mail address provided in the application. This authorisation can be revoked by the applicant at any time. The Bank may process your personal data automatically, i.e. computerised, within the scope of the processing purposes (see Privacy Policy). The Bank may use the data collected about you (e.g. information about your financial circumstances, information about your preferences) to create profiles with your financial circumstances, your interests or other aspects of your personality. The bank uses these profiles for the following purposes: contract review and processing (e.g. to check your creditworthiness or credit rating), compliance (e.g. to identify money laundering and fraud risks), marketing (e.g. to personalise advertising), market research and product development. These profiles are transmitted to companies of the UBS Group and to third parties (service providers and co-operation partners of the Bank) if necessary to achieve the processing purposes. The information provided on any third party (second applicant) is recorded completely and truthfully in the application. The third party has been informed about this application and the personal data requests described therein and has given their consent. Direct queries to the third party by BANK-now AG regarding this information are permitted. BANK-now AG is released from bank-client confidentiality for this purpose. If an application has been made for cover in the event of involuntary unemployment or incapacity to work, BANK-now AG as the policyholder will join a group insurance policy concluded with Helvetia Swiss Insurance Company Ltd as the insurer. CREDIT-now products include instalment insurance in the event of death. The applicant also confirms that he/she has been fully informed of the obligation to declare the beneficial ownership of the assets contributed in this financing transaction in accordance with the Agreement on the Swiss banks' code of conduct with regard to the exercise of due diligence. The applicant is entitled to all assets brought in (down payment, loan or leasing instalments, deposits, etc.). The data protection declaration of BANK-now AG [www.bank-now.ch/datenschutzerklaerung] has been read and understood. Note according to the law: Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG)