Proposed New Disclaimer for Intermediaries
Status as of March 10, 2022
I acknowledge that Best Costa Crédit Sarl (hereinafter "the Intermediary") is submitting my application for review to Cembra Money Bank SA, BankNow SA, Corner SA, and BCGE (hereinafter individually "the Financing Institution") via the Internet, email, or fax/mail. I further acknowledge and confirm the following:
Application review and information on the applicant's creditworthiness: I confirm that all information provided in my application is complete, up-to-date, and accurate, and I authorize the financial institution to obtain information about me in the context of reviewing my application and executing the contractual relationship from third parties, including banks, the Central Credit Information Office (ZEK), authorities (e.g., the debt collection office, the land registry office, tax authorities, residents' registration office, child and adult protection authorities), credit reference agencies, credit intermediaries, employers, companies in the financial institution's group, and, where applicable, the Consumer Credit Information Center (IKO). For the aforementioned purposes, I release these organizations from professional secrecy, postal secrecy, official secrecy, or business secrecy. I acknowledge that the financing institution is required, where applicable, to report any consumer leasing or consumer credit to the Consumer Credit Information Center (IKO). I further authorize the financing institution to report this application to the ZEK and, if legally required, to other organizations. This includes the type, amount, and terms of the credit or financing, as well as the personal data of the lessee(s) and any qualified payment arrears or abuses. I acknowledge that the ZEK has the right to disclose the submitted data to its members. The financing institution may refuse the application without providing reasons. Cooperation with intermediaries: I acknowledge that, in the case of applications submitted through an intermediary, the financial institution may exchange necessary information with this intermediary in the context of the application/creditworthiness review and the conclusion and execution of the contract (e.g., the parameters and results of the application review, the submission of contract documents, information on the contract status and payment behavior, as well as the balance), and I release the financial institution from professional secrecy in this context and to the extent necessary. Partner Information: If I have provided information about my spouse or registered partner (hereinafter "the partner") in the application, I confirm that (i) I have informed my partner of this application, (ii) the financing institution may verify the above information by contacting my partner directly, and (iii) my partner agrees that the financing institution may obtain information about them as described above (including by submitting information requests to the ZEK).
Data Processing: I acknowledge that the financing institution may process my data to review my application as well as for risk assessment and marketing purposes (data evaluation and profiling). In addition, other products and services, including those of the financing institution's group companies and other third parties, may be offered to me by mail or telephone. I may object to this processing of my data for marketing purposes at any time. By providing my email address, I also agree that the financial institution may send me the aforementioned offers by email. In the context of open communication by email, I expressly accept the risk that my data may be intercepted or disclosed by third parties during transmission, or that unauthorized third parties may infer the existence of a contractual relationship between the financial institution and me, and that, as a result, the protection of confidential information or banker secrecy is not guaranteed. I may revoke my consent to the electronic sending of advertising messages at any time.
Cooperation with service providers (outsourcing): I acknowledge that the financial institution may subcontract services to third parties ("service providers"), in particular in the areas of business process processing, IT security and system monitoring, market research and development, calculation of business-related credit and market risks, and the administration of contractual relationships (e.g., application and contract processing, collection, customer communication). The financial institution provides these service providers with the data required to fulfill their contractual obligations and may also transmit this data abroad for this purpose. Service providers, their employees, and subcontractors are contractually bound to maintain confidentiality. Service providers are generally located in Switzerland or within the EU/EEA, but may in principle be established worldwide. If personal data is transferred to a country that, from Switzerland's perspective, does not have an adequate level of data protection, the financial institution takes appropriate security measures to ensure that the data concerned is properly protected (including by applying standard data protection clauses).
I acknowledge that communication between the financial institution and myself or the intermediary may be electronic. The intermediary and the financial institution cannot guarantee the confidentiality of data transmitted over the internet. Third parties may therefore infer the existence or imminent existence of a business relationship (possibly a banking relationship) between me and the financial institution.
For more information on the processing of personal data by the financial institution, please consult the data protection declaration on the financial institution's website or contact them for further information.
The granting of credit is prohibited if it results in over-indebtedness (Art. 3 ULC).