Legal Information
When gaining access to the website of the Swiss Association Creditreform (hereafter referred to as ‘Creditreform’) you declare that you agree to the provisions below. If you do not agree, please refrain from gaining access.

Rights of Use
The design and contents of the Creditreform website are protected by intellectual property rights. All rights of use and patent utilisation for the components contained in it are held by Creditreform, subject to any rights of third parties to individual publications, or to software made available for download.

Download and reproduction of partial areas of the website are only permitted in unaltered form and for private use. Any other use and/or reproduction requires previous written consent from Creditreform and will be charged.

Change of Information and Offers
Creditreform reserves the right to change and/or update the information, opinions, and offers presented on its website at any time and without previous notice.

Exclusion of Warranty
Creditreform assumes no warranty for accuracy, completeness, or updatedness of the information and opinions presented on this website. Their use is the sole responsibility of the visitor.

Creditreform assumes no warranty for the safety or security, functionality, or availability of its website or the software it offers for download. It is left up to the visitor to protect themselves from the risks associated with Internet use (firewalls, anti-virus programmes, etc.). Creditreform assumes no responsibility for damage or consequential damage possibly resulting from access to its website or use of the contents presented, or from the impossibility of access or use.

Creditreform gives no assurances with respect to any other websites the visitor may be referred to from this website.

Data Protection
Visitors of this website who search publicly available information or services are not requested to provide personal details. However, Creditreform reserves the right to retrace the IP address of visitors on a case-to-case basis for control purposes. In other respects, only such data are processed that do not lead to individual identification. They may include the browsers used by visitors, etc. Such details are used for system management and to further improve the website.

Creditreform uses Google Analytics to record and analyse the surfing behaviour of the visitors to this website. The programme uses cookies that generate specific information. This information includes the IP address of the computer you use for Internet access. The data are transferred to a server in the U.S., where they are recorded. Google can pass on the information generated within the context of a processing commission or on the basis of legal obligations. The information collected is used exclusively for analytical purposes.

Personal details are only requested to such an extent as they are required for access control of the non-public area, or for the processing of orders. These data are used on a strictly internal basis.



This website uses cookies to manage the offer of Creditreform, to facilitate navigation, and to analyse the users’ surfing behaviour. Visitors have the option to define the preferences of their browser in such a way that it reports incoming cookies and makes it possible to decide on a case-to-case basis whether to accept them or not.

User Contracts
The use of offers to be charged is based on the contracts concluded with the users, and the articles of association/corporation and the general terms and conditions, which are explicitly reserved.

Place of Jurisdiction
Subject to any other covenant stipulated in an individual contract, any litigation in relation to access to the Creditreform website is within the competence of the ordinary courts of justice at the domicile of Creditreform, irrespective of where access was gained from.




Schweizerischer Verband Creditreform Gen
Teufener Strasse 36
CH - 9000 St.Gallen

tel:  +41 71 221 11 80
fax: +41 71 221 11 85


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