Legal information about kredit.ch

Consent

Anyone who accesses information found on the kredit.ch website on the World Wide Web
(www.kredit.ch) accepts the following terms and conditions.

Addressees

The website of kredit.ch is aimed exclusively at natural and legal persons as well as partnerships and corporations domiciled or headquartered in Switzerland.

Scope of application

The following provisions govern the loan processing between kredit.ch GmbH (registered office in 8400 Winterthur) and the applicant. Upon completion or submission of the online application, these terms are deemed accepted between the parties. kredit.ch is a product of budgetgroup.ch GmbH (hereinafter: kredit.ch).

Service provided by kredit.ch

The service of kredit.ch consists of receiving the loan application (online, email, fax, telephone, or in person), reviewing the customer's needs, providing a non-binding assessment of creditworthiness, offering free advice and support throughout the loan application process, and handling the loan processing. This service is free of charge.

The customer advisors at kredit.ch are available to answer applicants' questions at any time.

Information regarding correspondence and liability

By providing my email address and/or mobile phone number, I authorize kredit.ch to send me product offers and messages via unencrypted electronic mail (email) over the public internet and to contact me with questions regarding the loan application and agreement by email, telephone, or SMS, or to leave a message on my answering machine. I can revoke this authorization at any time by sending written notification to kredit.ch and/or the bank.

This application will be sent encrypted. Further correspondence related to the application, especially via email and SMS, may be unencrypted. I am aware of the following risks associated with using electronic communication:

• data transmission via the internet is only encrypted if a secure HTTPS connection is established. In many cases (including transmission via email), however, communication via the internet is unencrypted and open. SMS transmission is only partially encrypted.
• the internet is a worldwide, open network accessible to everyone. The transmission path of emails cannot be controlled and may even involve routes abroad. Therefore, the confidentiality of data transmitted via email cannot be guaranteed.
• emails and their attachments, as well as SMS messages, can be forged or altered by third parties without their knowledge; sender and recipient can be changed, thus feigning authenticity;
• Emails and SMS messages may be deleted, misdirected, or corrupted during transmission due to technical errors/malfunctions;
• accessing websites, including clicking on links embedded in emails/SMS and opening data attachments, can potentially allow harmful computer programs such as viruses, worms, Trojans to infect the customer's computer, smartphone or similar devices.

Kredit.ch is liable for damages arising from or in connection with electronic communication and data exchange via electronic means only in cases of intent and gross negligence. In connection with open communication via email, I expressly accept the risk that my data may be intercepted or published by third parties during transmission and that confidentiality cannot be guaranteed in this respect. Kredit.ch, in turn, cannot guarantee that emails bearing the sender's name were actually sent by Kredit.ch; or that emails sent by or addressed to Kredit.ch arrive unaltered, on time, and at the correct recipient.

No offer

kredit.ch reserves the right to reject the present application without giving reasons and not to make an offer.

Intellectual property rights

All content on the kredit.ch website is protected by copyright; all rights thereto are reserved by kredit.ch. The elements contained on the website may only be used freely for browsing purposes. If the user downloads or otherwise reproduces software or other data from the website, all proprietary rights remain with kredit.ch.

The following are prohibited without the prior written consent of kredit.ch:

• Reproducing (even partially), transmitting (electronically or by other means) and modifying content or elements of the kredit.ch website is prohibited.
• linking to and using the kredit.ch website for public or commercial purposes.

All trademarks used on the kredit.ch website belong to kredit.ch.

Data security, linking and liability

The internet is an open network accessible to everyone. If a user visits the kredit.ch website, third parties may be able to infer an existing or future business relationship between them and kredit.ch.

The transmission of information via the internet may be subject to disruptions, delays, or errors in data supply that are beyond the control of kredit.ch or any information provider. Neither kredit.ch nor any information provider is liable for damages or consequential damages arising from such defects. Likewise, kredit.ch disclaims all liability for any losses or damages of any kind whatsoever arising from the use of this website or the information contained therein. Information on this website may be changed at any time without prior notice.

If the user activates certain links on the kredit.ch website, they may leave the kredit.ch website. kredit.ch has not reviewed the other sites linked to the kredit.ch website and assumes no responsibility for their content or the products, services, or other offers presented there.

Anyone who places a link to the kredit.ch website on another website must obtain prior written consent from kredit.ch.

Data protection

Users are repeatedly asked to provide personal data on the kredit.ch website. If they decide to send kredit.ch personal data via the internet or email, kredit.ch will process this data in accordance with the provisions of the Data Protection Act.

By contacting kredit.ch via the internet, email, mail, or any other means, the user agrees that kredit.ch may occasionally send information about the company, its products, and services to their postal and email addresses. The user may object to the use of their customer data for marketing purposes at any time by notifying kredit.ch in writing.