Data protection and data security.

The database of Schweizerischer Verband Creditreform was registered with the Federal Data Protection and Information Commissioner in 1995 under the number D199500005. SVC takes comprehensive technical and organisational security measures to protect the information from unauthorised access. Secure encryption is ensured for all communication channels, in particular the Internet and e-mail. All data accesses and requests for information are logged and can be traced if necessary.

Code of conduct

Creditreform, like other Swiss economic information agencies, has agreed on a code of conduct containing binding guidelines for the processing of personal data. This code of conduct covers not only the compliance of the economic information agencies with the provisions of the Act on Data Protection (FADP), but also specifies what types of data they are allowed to store and for how long. In doing so, the economic information agencies take into account public concerns about data processing and storage, while at the same time recognising the importance of creditworthiness information for consumers and the Swiss economy.

Access and use.

The use of the SVC database is reserved exclusively for registered members. The retrieval and use of non-publicly accessible, creditworthiness-relevant information of SVC may only take place with a view to assessing economically relevant facts and for the personal use of the recipient. The recipient must also have a legitimate interest in obtaining such information.

Further information on data protection:


Creditworthiness information to avoid losses on receivables

When a consumer wishes to purchase goods on credit / account, the lender will check the customer's creditworthiness/solvency before entering into the contract. For this purpose, Creditreform offers the relevant services within the framework of the Swiss Data Protection Act and maintains a creditworthiness database to assess the creditworthiness of companies and private individuals. The provider himself decides whether the consumer is supplied on account or whether he has to provide securities such as advance payment.

Your right: Right to information and correction.

SVC places great value on the quality and correctness of its data and thus refers explicitly to the right of information and correction according to the Data Protection Act. According to this law, any natural or legal person is entitled to request information about their own records from the owner of a data collection. The person affected has a legal right to claim correction of any incorrect information. Requests for information and / or correction have to be directed to SVC in writing. In order for the request to be processed, natural persons are required to provide proof of identity (copy of an official identity document). Requests submitted by legal persons must be validly signed.

For this purpose, please use the links that you will find to the right of this page.

The Federal Data Protection and Information Commissioner has reviewed the implementation of the right to information and correction by Creditreform and found that formal as well as material requirements are complied with.

Data protection declaration CH FADP

(pdf, 171 KB)


Data protection declaration EU GDPR

(pdf, 185 KB)


Code of conduct
Code of conduct (german)

(pdf, 100 KB)


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