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 UCI)

Disclaimer ZEK

I acknowledge and agree that Creditfinanz SA will forward my request to Cembra Money Bank, Bank now or CreditGate24, (each hereinafter individually referred to as the “financial institution”) via the Internet, e-mail or fax / post. Furthermore, I confirm the following:

Verification of the application and data for credit information: I confirm the correctness of all my information and authorize the financial institution, in relation to the examination of this request and the management of the contractual relationship, to request information about me from third parties, in particular banks, the Credit Information Center (ZEK), authorities (e.g. enforcement and tax bureaus, inhabitants control offices, child and adult protection authorities), agencies for economic information, credit intermediaries, employers, companies belonging to the group of the financial institution, and possibly the Association for the management of a consumer credit information center (IKO). For the above purposes, I exempt these offices from banking, postal and professional secrecy respectively. I also authorize the lending institution to communicate the requested operation to the ZEK and, as necessary, to IKO, as well as to notify other offices in the event of corresponding legal obligations. In particular, the type, amount and method of credit respectively of the loan and the personal data of the applicant are communicated, as well as any significant delays in payments or abuses. I recognize the right of the ZEK and the IKO to inform their members about the data provided. The financing institution can refuse the request without indicating the reasons.

For the CREDIT-now Casa contract, the following also applies: for the purposes of verifying the information I have provided on my home, I also authorize BANK-now SA (and any third parties appointed by it) to request the necessary information, in writing or by e-mail , at the land registry offices in Switzerland.

Collaboration with intermediaries: in the event of requests received from an intermediary, the financing institution may exchange with the latter the information necessary for a verification of the request / credit capacity and the stipulation and execution of the contract.

Partner data: In the event that in the request I have provided information about my / my spouse or registered partner (a) (the “partner”), I confirm (i) that I have informed my partner about this request, (ii) that the financial institution can verify the aforementioned data through direct questions to my partner and (iii) that my partner agrees that the financial institution may request information concerning him, as described above (including requests information at the ZEK).

Data processing: I authorize the financial institution to process and evaluate my data also for risk management and marketing purposes and to create profiles. I authorize the financing institution to offer me other products and services, including from companies belonging to the group of the financing institution. I can revoke this permission for data processing for marketing purposes or for sending information at any time.

Collaboration with service providers (outsourcing): the lender can outsource services to third parties (“service providers”), in particular in the areas of business process management, IT security and systems management, market research and processing, calculation of credit and market risks relevant to the business as well as the administration of contractual relationships (eg management of requests and contracts, collection, communication with customers). The financial institution makes the data necessary for the fulfilment of contractual obligations available to these service providers and may also transmit this data abroad for this purpose. Service providers, their employees as well as their subcontractors are contractually bound to comply with data protection according to the requirements of the Swiss Data Protection Act, to safeguard banking secrecy in accordance with the Federal Law on Banks and Savings Banks and the obligation of confidentiality. In this sense, I acknowledge the fact that my data may be forwarded to service providers in countries that may not have the same protection of personal data as in Switzerland.

I confirm that I agree with the use of electronic means of 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. Consequently, Creditfinanz SA and the financial institution cannot guarantee the confidentiality of the data in case of transmission via the Internet. It is therefore possible for third parties to trace an existing or upcoming business relationship (possibly banking relationship) between me and the financial institution. — Creditfinanz SA, 6900 Lugano