Disclaimer for online credit applications

Status: 10.03.2022

I acknowledge that AS Finanz GmbH (hereinafter: Agent) will forward my application to Cembra Money Bank AG, die Bank-NOW AG, die cashgate AG, die eny Finance AG, die Allgemeine Schweizer Kreditanstalt AG, die good finance AG, die Cornèr Banca SA, die bob Finance AG oder die Switzerlend AG (each individually hereinafter the "Financing Institution") via the Internet, via email or by fax/mail for consideration. I also acknowledge and confirm the following:

Application verification and credit information data: I confirm that all the information I have provided in the application is complete, up-to-date and correct 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 agencies, land registry and tax offices, residents' registration offices, child and adult protection authorities), credit reference agencies, credit intermediaries and employers, in connection with the examination of this application and the processing of the contractual relationship.(e.g. debt enforcement, land registry and tax offices, residents' registration offices, child and adult protection authorities), credit agencies, credit intermediaries, employers, group companies of the financial institution and, if applicable, the Consumer Credit Information Office (IKO). For the aforementioned purposes, I release these bodies from the obligation to maintain bank client, postal, official or business secrecy. I acknowledge that the financial institution may be obliged to notify the Consumer Credit Information Office (IKO) of a consumer lease / consumer credit to be granted or granted. I also authorise the financial institution to notify the ZEK of the transaction applied for and, in the event of corresponding legal obligations, to notify other bodies. In particular, the type of loan or financing, the amount and modalities as well as the personal details of the applicant(s) and any qualified payment arrears or abuses will be reported. I acknowledge the right of ZEK to provide its members with information on the reported data. The financing institution may reject the application without giving reasons.

Cooperation with intermediaries: I acknowledge that in the case of applications received from an intermediary, the financial institution may exchange the necessary information with the intermediary in connection with the application/creditworthiness check as well as the conclusion and processing of the contract (e.g. parameters and result of the application check, delivery of the contract documents, information on the contract status and payment history as well as the balance) and release the financial institution from bank-client confidentiality to this extent if and to the extent necessary.

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 means of direct enquiries with my partner, and (iii) my partner agrees that the financial institution may obtain information concerning him/her as described above (including conducting information enquiries with the ZEK).

Data processing: I acknowledge that the financial institution may process my data for the purpose of reviewing my application and for risk assessment and marketing purposes (data evaluation and profiling). In addition, I may be offered other products and services by post or telephone, including those offered by group companies of the financial institution and other third parties. I may object to this data processing for marketing purposes at any time. By providing my e-mail address, I also agree that the financial institution may also send me the aforementioned offers by e-mail. In connection with open communication via e-mail, I expressly accept the risk that my data may be intercepted or published by third parties during transmission, or that unauthorised third parties may draw conclusions about a contractual relationship between the financial institution and me, and that in this respect the protection of secrets or bank client confidentiality is not guaranteed. I may revoke my consent to the electronic delivery of advertising mailings at any time.

Cooperation with service providers (outsourcing): I acknowledge that the financial institution may outsource services, in particular in the area of business process management, IT security and system control, market research and processing, the calculation of business-relevant credit and market risks as well as the administration of contractual relationships (e.g. application and contract processing, collection, communication with customers) to third parties ("service providers"). The financial institution shall provide these service providers with the data necessary for the fulfilment of the contractual obligations and may also forward this data abroad for this purpose. Service providers, their employees and subcontractors are contractually bound to confidentiality by the financial institution. The service providers are usually located in Switzerland or in the EU/EEA area, but may in principle be established anywhere in the world. If personal data is transferred to a country that does not have an adequate level of data protection from Switzerland's perspective, the financial institution shall ensure adequate data protection by means of suitable guarantees, such as the agreement of the standard contractual clauses.

I acknowledge that communication between the financial institution and myself or the intermediary may take place via electronic channels. The intermediary 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 imminent business relationship between me and the financial institution (possibly a banking relationship).

Further information on the processing of personal data by the financial institution can be found in the data protection declaration on the website of the financial institution or can be requested from the financial institution.

The granting of credit is prohibited if it leads to over-indebtedness (Art. 3 UCA).