Data protection / Cookies

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.

Cookies

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.

Disclaimer

Creditreform processes personal data solely in compliance with the Swiss Data Protection Act. When doing so, Creditreform is the person responsible within the meaning of Art. 5 para. 1 let. J and is not a commissioned data processor within the meaning of letter k of that provision. The credit check is made on the basis of the known facts and their repercussions observed in the past. Creditreform processes personal data to verify creditworthiness; the data made available in the information is not data requiring special protection and no high risk profiling takes place. The data is only made available to third parties if it is needed to close or implement a contract. In addition, it is only intended for the recipient. Furthermore, data is only disclosed about adults and does not date back for more than ten years.

Creditreform supplies the decision-making aids required to reach a decision on lending; the actual decision on lending is a matter for the recipient. If that decision is taken by the recipient by automated means, he must satisfy the relevant obligations under data protection law.