Terms of use of the website www.multicredit.ch

(Updated on April 12, 2023)

Please also see our privacy policy.

By accessing the website www.multicredit.ch, I declare that I have understood and accepted the following terms of use, in particular with regard to the processing of my personal data, in accordance with what is provided for in Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data.

1. Scope

These general terms of use apply to the visit to the website www.multicredit.ch. Their purpose is in particular the processing of my personal data (hereinafter referred to as “data”) which may be collected when I access the website and which I complete in the sections in question. It does not matter whether I have shared them with Cashflex MultiCredit Sàrl by filling out paper or electronic forms, by phone, by social media communication channels or by any other means of communication (email, WhatsApp, Facebook, Twitter, LinkedIn etc.); and I take note that Cashflex MultiCredit Sàrl does not send any document by these means and declines any responsibility for the confidentiality of such communication.

In this regard, I am expressly made aware of the following points. By accessing the website www.multicredit.ch, I declare that I understand them and accept them in their entirety.

2. Data controller

The data controller is Cashflex MultiCredit Sàrl, Rue de la Banque 4, 1700 Fribourg. Cashflex MultiCredit Sàrl has been registered with the Commercial Register of the Canton of Fribourg since April 2007 (IDE: CHE-113.592.711) marketing@multicredit.ch phone: 0263222310.

The data protection officer is the Federal Data Protection and Transparency Officer, Feldeggweg 1, 3003 Bern.

3. Purpose of processing

Cashflex MultiCredit Sàrl processes my data in order to be able to provide me with the information and services I have requested, to improve its website, its products and its services. It also uses the data to be able to contact me, in particular to be able to offer me new products and / or services.

I take note and accept the fact that telephone conversations with Cashflex MultiCredit Sàrl may be recorded, for example for quality control and training purposes, and that there are measures intended for the security of buildings and equipment (in particular video surveillance of buildings and of access to offices).

I also note that I could receive messages (e.g. newsletters, advertisements) on the phone numbers or addresses that I have communicated to Cashflex MultiCredit Sàrl. I am therefore reminded that I should not communicate my professional details to Cashflex MultiCredit Sàrl.

I take note and authorize CashFlex MultiCredit to communicate my personal details in order to be contacted by their exclusive insurance partners in order to optimize my file.

4. Data transmission

4.1. Financial institutions

For the above-mentioned purposes, I acknowledge and accept that Cashflex MultiCredit Sàrl may transmit my application or my data to Cembra Money Bank SA, Bank-now SA, CG24 or to other banks or partner financial institutions (hereinafter refered to individually as “financial institution”) over the Internet, by e-mail, fax, or post.

I authorize the financial institutions and Cashflex MultiCredit Ltd. to process and analyze my data for marketing and risk management purposes and to create profiles in this respect. I also authorize the financial institutions and Cashflex MultiCredit Ltd. to offer me other products and services (for example, partnerships with Axa, Swica, Gestifin…), including those of its group companies or business network (PrestaFlex). I may revoke this consent at any time to the processing of my data for marketing or information purposes.

4.2 Cooperation with intermediaries

The financial institution may, in the event of applications transmitted to it by an intermediary, exchange with the latter the information and data required for the examination of the application and of the creditworthiness and for the conclusion and execution of the contract. I can revoke this permission to process my data for marketing or information purposes at any time.

4.3. Cooperation with service providers (outsourcing)

The financial institution may outsource certain services to third parties (hereinafter refered to as “service providers”), in particular with regard to the handling of business processes, IT security and system management, market research and prospection, the determination of business-related credit and market risks, as well as the management of contractual relationships (e.g. application and contract processing, debt collection, communication with customers). The financial institution provides these service providers with the data necessary to fulfill their contractual obligations and may for this purpose also transmit this data abroad. The service providers, as well as their employees and their subcontractors, are contractually obliged to ensure data protection in accordance with the requirements of the Federal Data Protection Act, to maintain banking secrecy in accordance with the Federal Banking Act, and to maintain confidentiality.

In this context, I acknowledge the fact that my data may be transmitted to service providers established in countries which do not necessarily have data protection equivalent to that of Switzerland. I accept that the financial institution can communicate with me or with the intermediary by using electronic means.

I also consent to the transmission of data over the Internet and I am aware that the Internet is an open network that is accessible to everyone. I therefore acknowledge that Cashflex MultiCredit Sàrl and the financial institution cannot guarantee the confidentiality of the data transmitted over the Internet. As a result, third parties may conclude that there is a current or future business relationship (where applicable, a banking relationship) between myself and the financial institution.

5. Authorization to request credit information

I confirm the accuracy of all the data concerning me and I authorize the financial institution, within the framework of the examination of this application and the process of the contractual relationship, to obtain information and data about me from third parties, in particular from banks, the Central Office for Credit Information (ZEK), authorities (e.g. debt enforcement office, tax authorities, land register, residents’ registration office, child and adult protection authorities), business information companies, credit intermediaries, employers, group companies of the financial institution and, where applicable, Swiss Consumer Information Office (IKO). For the purposes mentioned above, I release these third parties from banking, postal, office or business secrecy. In addition, I authorize the financial institution to report this application to the ZEK and, where applicable, to the IKO and, if required by law, to other third parties. In particular, the type, amount and terms of the loan or financing, as well as the personal data of the applicant and any qualified payment delays or abuses, must be reported. I acknowledge that the ZEK and the IKO are entitled to provide their members with information about the data communicated. I take note that the financial institution may reject my application without providing a reason.

Request for a financial diagnosis or a credit scoring/rating only at the client’s express request. This service is invoiced separately for a flat fee of 250 CHF per person (about 2 hours of work) and does not include the processing or establishment of a personal credit application, which is free of charge and without obligation.

6. Partner data

If I have filled in data concerning my spouse or registered partner (hereinafter refered to as “partner”) in the application, I confirm (i) that I have informed him / her of this application, (ii) that the financial institution may verify the aforementioned data directly with my partner, and (iii) that my partner accepts that the financial institution will collect information about him / her (including applications for information from the ZEK) as described above (see clauses 4 and 5).

7. Duration of data storage

Cashflex MultiCredit Sàrl will keep my data within the framework of our contractual relationship and for the time corresponding to the purpose in accordance with clause 3. As soon as it turns out that a contractual relationship with Cashflex MultiCredit Sàrl is excluded, the data will be deleted. In all cases, the data will be stored for a maximum of 10 years after the termination of all relations with Cashflex MultiCredit Sàrl.

8. My rights

I have the right to request access to my personal data, to correct or delete the data, and to restrict the processing. I also have the right to object to the processing of my data and the right to data portability.

I have the right to withdraw my consent to the processing of my personal data, in whole or in part, at any time, particularly if it has been given for marketing or information purposes.

However, I acknowledge that Cashflex MultiCredit Sàrl needs my data to fulfill its contractual obligations towards me and that exercising my rights may make it difficult or even impossible for Cashflex MultiCredit Sàrl to perform its task. In this case, Cashflex MultriCredit Sàrl may terminate the contractual relationship.

I can directly contact Cashflex MultiCredit Sàrl (info@multicredit.ch) if I wish to receive information about my data, and in particular, if I wish to request the data to be corrected or deleted.

For the rest, my rights are described in the Federal Data Protection Act of 19 June 1992 (LPD; RS 235.1).

9. Exclusion of liability

I take note that Cashflex MultiCredit Sàrl expressly disclaims any responsibility (also in the event of negligence) for damages (direct or indirect) and for losses of any kind whatsoever resulting from access to the website, from the use of information and notices available on the website, from the impossibility of accessing or using the information or notices available on the website or from the processing of my data.

10. Exclusion of warranty

Cashflex MultiCredit Sàrl ensures that the information on the website www.multicredit.ch is accurate at the time of its publication. However, neither Cashflex MultriCredit Sàrl nor its partners can guarantee the accuracy, reliability, timeliness and completeness of the information at all times.

Cashflex MultiCredit Sàrl expressly disclaims all responsibility and gives no guarantee as to the information found on the website www.multicredit.ch and to the absence of errors or viruses on it.

11. Legal information

The information published on this website does not constitute an invitation, offer or recommendation to buy or sell a product, to carry out a transaction or to proceed with any other act of a legal nature.

All parts of this website belong exclusively and fully to Cashflex MultiCredit Sàrl, especially as far as copyrights and other intellectual property rights are concerned. Any reproduction, transmission, modification, creation of links or use of this website requires the prior written consent of Cashflex MultiCredit Sàrl.

This website is not intended for persons subject to a jurisdiction that prohibits the publication or access to the website of Cashflex MultiCredit Sàrl. Access is not permitted to persons to whom such restrictions apply. The www.multicredit.ch website is intended only and exclusively for natural and legal persons domiciled and working in Switzerland or in the Principality of Liechtenstein.

Please note that payment histories (particularly those that concern uncontested demands that remain unpaid after the due date) and any potential debt enforcement information and address details will be passed on to CRIF AG in Zurich, for their legitimate use as a business information agency. CRIF will use the information to check your identity and credit standing, and will disclose it to authorised third parties. The payment histories may be analysed by CRIF on the basis of mathematical/statistical calculation methods to facilitate automated decision-making processes, and particularly to evaluate a person’s credit standing. Further information is available at: www.mycrifdata.ch/#/dsg

Please be aware that the application/order details you have submitted will be passed on to CRIF AG in Zurich to check your identity/credit standing. Further information is available at: www.mycrifdata.ch/#/dsg

WhatsApp Business Policy: https://www.whatsapp.com/legal/business-policy/?lang=en

12. Modification of these terms of use

Cashflex MultiCredit GmbH may unilaterally modify or supplement these terms of use at any time without prior notice. I accept and take note that it is the current version of the terms of use which is published on the website which is authentic.

In view of the above, I acknowledge that Cashflex MultiCredit Sàrl invites me to regularly consult the terms of use.

13. Language

In the event of a contradiction between the different language versions of these terms of use, the French version prevails.

14. Place of jurisdiction and applicable law

For all disputes between the users of this website and Cashflex MultiCredit Sàrl that arise from the use or visit of the website, or for any dispute relating to data processing, the courts of the city of Fribourg (CH) have exclusive jurisdiction. Cashflex MultiCredit Sàrl is free to initiate proceedings also at the user’s domicile / seat. Swiss law applies.

15. Over-indebtedness

I note that the granting of credit is prohibited if it causes over-indebtedness (art. 3 LCD).

16. Confirmation

I hereby confirm that I have read the legal information in full and declare that I accept it in all respects.