All price information is in CHF. The amount of the credit and the interest rate will be determined by the Bank, after the examination of the documents supporting the request. The rate applied at the start of the contract remains unchanged for the credit agreement’s duration.
Legal notice: the granting of credit is prohibited if it causes excessive debt (Art. 3 UWG)
I acknowledge and agree that Creditfinanz AG will forward my application to Bank now, Cembra Money Bank or CreditGate24, (each hereinafter referred to individually as “financing institution”) via Internet, e-mail or fax/post. Furthermore, I acknowledge and/or confirm the following:
Verification of application and credit information: I confirm that all of my details in the application are complete, up-to-date and correct, and I authorise the lending institution, for the purpose of verifying this application and executing the contractual relationship, to collect information about me from third parties, in particular banks, the Central Office for Credit Information (ZEK), authorities (e.g. debt enforcement offices, land registry offices and tax offices, residents’ registration offices, child and adult protection authorities), economic information agencies, credit intermediaries, employers, companies belonging to the group of the lending institution, and companies belonging to the group of the lending institution. e.g. debt enforcement offices, land registry offices and tax offices, population control, child and adult protection authorities), business information agencies, credit brokers, employers, companies belonging to the group of the lending institution and, if necessary, at the Central Office for Consumer Credit Information (IKO). For the above-mentioned purposes, I release these offices from banking, postal, official and commercial secrecy. I acknowledge that, where applicable, the financial institution is obliged to notify the Information Office for Consumer Credit (IKO) of any leasing / consumer credit to be granted or granted. I further authorise the financing institution to notify the IKO of the requested transaction, as well as to notify other offices in the event of corresponding legal obligations. Specifically, the type, amount and terms and conditions of the credit and/or financing as well as the personal data of the applicant and, if applicable, any arrears of payment or qualified abuses will be reported. Furthermore, I agree that the ZEK is authorised to inform its members about the data provided. The financing institution may reject the application without stating reasons.
Cooperation with intermediaries: I acknowledge that, in the case of applications received from an intermediary, the financing institution may exchange with the latter the necessary information relating to the verification of the application/creditworthiness, as well as to the conclusion and management of the contract (e.g. parameters and outcome of the verification of the application, delivery of contract documents, information on the status of the contract and payment behaviour, as well as balance) and, to this extent, I release the financing institution, if and where necessary, from banking secrecy.
Information concerning partners: In the event that I have provided information on my spouse or registered partner (“partner”) in the application, I confirm that (i) I have informed my partner about this application, (ii) that the financing institution may verify the above data by direct questioning of my partner, and (iii) that my partner agrees that the financing institution may request information about him/her as described above (including the execution of enquiries to ZEK).
Data processing: I acknowledge that the financing institution may process my data for the purpose of checking my application as well as for risk assessment and marketing purposes (data analysis and profiling). In addition, I may also receive offers concerning other products and services by post or telephone from group companies of the financing institution or other third parties. I can object to such data processing for marketing purposes at any time. By providing my e-mail address, I also agree that the financing institution may also send me such offers by e-mail. In connection with the open communication by e-mail, I expressly accept the risk that my data may be intercepted or published by third parties at the time of transmission, or that unauthorised third parties may deduce the existence of a contractual relationship between the financing institution and me and that, therefore, neither confidentiality nor banking secrecy is guaranteed. I may revoke my consent to the electronic transmission of advertising material at any time.
Collaboration with service providers (outsourcing): I acknowledge that the financing institution may outsource services, in particular in the area of business processes, IT security and IT system management, market research and analysis, calculation of business-relevant credit and market risks, and management of contractual relationships (e.g. application and contract management, debt collection, customer communication) to third parties (“service providers”). The financing institution makes the data required to fulfil contractual obligations available to these service providers and may also transmit such data abroad for this purpose. The service providers, their employees and subcontractors are contractually obliged by the financing institution to maintain confidentiality. The service providers are usually located in Switzerland or in the EU/EEA area, but in principle may be based anywhere in the world. If personal data are transmitted to a country which, from Switzerland’s point of view, does not have an adequate level of data protection, the financing institution will ensure adequate data protection by means of appropriate safeguards, e.g. the Convention on Standard Contractual Clauses.
I acknowledge that communication between the financing institution and myself and/or the intermediary may take place via electronic channels. The intermediary and the financing institution are unable to guarantee the confidentiality of the data in the event of transmission via the Internet. It is therefore possible that third parties may trace an existing or impending business relationship (possibly a banking relationship) between me and the financing institution.
Further information on the processing of personal data by the financing institution can be found in the data protection notice available on its website or can be requested from the institution itself. – Creditfinanz AG, 6900 Lugano