Statement on data protection

Statement on data protection

CREDITFINANZ SA, Lugano (Switzerland) (“we”, “us” or “our”) operates the website www.creditfinanz.ch (the “Service”)

This page informs you of our policies regarding the collection, the use and the disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your information to provide and improve the Service. By using the Service, the user accepts the collection and the use of information in accordance with these lines of conduct.

Definitions

Service

The service is the website www.creditfinanz.ch managed by CREDITFINANZ SA, Lugano (Switzerland).

Personal data

Personal data means data about a natural person that can be identified by that data (or from those and other information in our possession or that may come into our possession).

Usage data

Usage data are the data automatically collected generated by the use of the Service or by the infrastructure of the Service itself (for example, the duration of the visit of a page).

Cookies

Cookies are small portions of data stored on the device (computer or mobile device).

Data controller

The data controller indicates the natural or legal person who (individually or together with others) determines the purposes and means by which the personal information is or will be processed.

The purpose of this statement, we are responsible for the processing of personal data.

Responsible for data processing (service provider)

Responsible for data processing (or service provider): any natural or legal person who processes data on behalf of the data controller.

We could use the services of various service providers in order to process your data more effectively.

User

The user is a natural person who uses our service and is the subject of personal data.

Collection and use of information 

We collect different types of information for various purposes to provide and improve our Service. In particular, we collect data in order to send you information on our activity and our products, especially intermediation and in private credit advice, such as for health insurance and other insurances (life sector and general branches) and advice for the 3rd pillar.

Types of data collected 

Personal data

During the use of our Service, we may ask you to provide us with some personally identifiable information that may be used to contact or identify you (“Personal data”). Personal identification information may include, but is not limited to:

  • Email address
  • Name and surname
  • Telephone number
  • Address, state, canton / region / province, zip code, city
  • Cookies and usage data

We may use your personal data to contact you with newsletter, promotional or marketing material and other information that may interest you. You may choose not to receive any of these communications from us by following the cancellation link or instructions provided in any e-mail we send or contact us.

Usage data

We may also collect information on how to access and use the Service (“Usage Data”). These usage data may include information such as the Internet protocol address of the computer (e.g. IP address), the type of browser, the browser version, the pages of our service that you visit, the time and date of the visit, time spent on these pages, unique device identifiers and other diagnostic data.

Tracking of data on cookies

We use cookies and similar tracking technologies to track activity on our Service and to retain certain information.

Cookies are files with a small amount of data that may include an anonymous unique identifier. Cookies are sent to your browser by a website and saved on your device. The monitoring technologies used are also beacons, tags and scripts to collect and track information to improve and analyze our Service.

You can ask your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some parts of our Service.

Examples of cookie we use:

  • Session cookie. We use session cookies to manage our service.
  • Preference cookie. We use preference cookies to remember your preferences and various settings.
  • Security cookie. We use security cookies for security reasons.

Use of data 

CREDITFINANZ SA uses the collected data for various purposes:

  • Provide and maintain our Service
  • To inform you of changes of our Service
  • To allow you to participate in the interactive features of our Service when you choose to do so
  • Provide customer support
  • Collect analysis or valuable information to improve our Service
  • Monitor the use of our Service
  • To detect, prevent and solve technical problems
  • To provide you with news, special offers and general information on goods, services and events we offer unless you have chosen not to receive such information.

Legal basis for processing personal data according to the General Data Protection Regulation (GDPR) 

If you are from the European Economic Area (EEA), the legal basis of CREDITFINANZ SA for the collection and use of personal information described in this statement depends on the personal data that we collect and on the specific context in which it is collected.

CREDITFINANZ SA is authorized to process your personal data because:

  • you gave us permission to do it, or
  • the processing of data is necessary to execute a contract of which you are a part or to carry out pre-contractual measures taken on your request, or
  • the processing is necessary for the pursuit of our legitimate interest, provided that it does not prevail your interests or your fundamental rights and freedoms that require the protection of your personal data, or
  • to fulfill a legal obligation to which we are subject.

Data retention

CREDITFINANZ SA will process your personal data only for the time necessary for the purposes indicated in this statement. We will retain and use your personal data to the extent necessary to fulfill our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes and apply our agreements and our legal rules of conduct.

CREDITFINANZ SA will also retain the usage data for internal analysis purposes. Usage data is generally kept for a shorter period of time, except when these data are used to enhance security or to improve the functionality of our service, or we are legally obliged to keep these data for longer periods of time.

Data transfer 

Your information, including personal data, may be transferred and kept on computer located outside your state, canton / region / province, country or other government jurisdiction, where data protection laws may be different from those of your jurisdiction.

If you are outside of Switzerland and choose to provide us with information, we remind you that we transfer data, including personal data, to Switzerland and process it there.

Your consent to this statement followed by the sending of such information represents your consent to such transfer.

CREDITFINANZ SA will take all measures reasonably necessary to ensure that your data is processed in a secure manner and in accordance with this statement and no transfer of your personal data will be made to an organization or country unless there is adequate control of your data and other personal information.

 

Disclosure of data

Disclosure for the application of the law

Under certain circumstances, CREDITFINANZ SA may be required to disclose the user’s personal data if required by law or in response to valid requests from the authorities (for example, a court or  a government authority).

Legal requirements 

CREDITFINANZ SA may disclose your personal information in good faith, believing that such action is necessary for:

  • comply with a legal obligation
  • to protect and defend the rights or property of CREDITFINANZ SA
  • to prevent or investigate possible wrongdoing in connection with the Service
  • protect the personal safety of users of the Service or of the public
  • to protect oneself against any legal responsibilities.

 

Data security

The security of your data is important to us. Recalls however that no method of transmission over the internet or electronic storage method is 100% secure. Taking into account the state of the art and the costs of implementation, as well as  of the nature, the object, the context and the purpose of the processing, as well as the risk of various probabilities and seriousness for the rights and the freedom of individuals, we strive to implement appropriate technical and organizational measures to ensure a level of an appropriate security to the risk, however, not guarantee the absolute security.

Your data protection rights under the General Data Protection Regulation (GDPR)

If you live in the European Economic Area (EEA), you have certain rights in relation to data protection. CREDITFINANZ SA has the objective of adopting reasonable measures to allow the user to correct, modify, eliminate or limit the use of his / her personal data.

If you wish to be informed about the personal data we hold about you and if you want it removed from our systems, please contact us.

In certain circumstances, you have the following rights in relation to data protection:

The right to access, update or delete the information we have about you.

The right to rectify. you have the right to rectify your information if this information is incorrect or complete.

The right of opposition. You have the right to object to our processing of your personal data.

The right to limitation of treatment. You have the right to request that we limit the processing of your personal data.

The right to data portability. You have the right to receive a copy of the information we have about you in a structured format, of common use and readable by automatic device.

The right to withdraw consent. You also have the right to withdraw your consent at any time, where CREDITFINANZ SA has based on it the processing of your personal data.

The right to communicate a violation of personal data.

Please note that we may ask you to verify your identity before responding to these requests.

You have the right to file a complaint with a data protection authority regarding our collection and use of your personal data. For more information, contact your local data protection authority for the European Economic Area (EEA).

Service providers 

We may employ third-party companies and individuals to facilitate our Service (“Service provider”), to provide the Service on our behalf, to perform services related to the Services or to help us analyze how our Service is being used.

These third parties have access to your personal information only to perform these activities on our behalf and are obliged not to disclose or use them for other purposes.

Links to other sites 

Our service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be redirected to that third-party site. We strongly recommend that you review the data protection statement of each site you visit.

We have no control and assume no responsibility for the content, privacy practices or practices of any third party site or service.

Children’s privacy 

Our service is not intended for people under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under 18 years of age. If you are a parent or guardian and you know that your children have provided us with personal information, please contact us. If we become aware of the fact that we have collected personal information from minors without verifying the consent of the parents, we  will take steps to remove this information from our servers.

Changes to this statement 

We may update data protection rules of conduct from time to time. We will inform you of any changes by posting the new statement on this page.

We will let you know via email and / or through a notice on our Service, before the change becomes effective and update the “effective data” at the top of this statement.

We suggest you to periodically review this statement for any changes. Changes to this statement are effective when they are published on this page.

Contact us

In case of any questions concerning this statement, you can contact us: