I acknowledge that Baris Kredit (hereinafter referred to as the “intermediary”) will forward my application for review to BANK-now and Cembra Money Bank (hereinafter referred to as the “financial institution”) via the internet, email, or fax/post. Furthermore, I acknowledge or confirm the following:
Application Review and Credit Report Data: I confirm the completeness, timeliness and accuracy of all my information provided in the application and authorize the financing institution, in connection with the review of this application and the processing of the contractual relationship, to obtain information about my person from third parties, in particular banks, the Central Office for Credit Information (ZEK), authorities (e.g.. (e.g. debt enforcement offices, land registry offices, tax offices, residents’ registration offices, child and adult protection authorities), credit agencies, credit brokers, employers, group companies of the financial institution and, if applicable, the Consumer Credit Information Office (IKO). For the aforementioned purposes, I release these bodies from bank customer, postal, official or business secrecy. I acknowledge that the financial institution may be obliged to notify the Consumer Credit Information Office (IKO) of a consumer lease / consumer credit to be granted or granted. I also authorize the financial institution to notify the ZEK of the transaction applied for and, in the event of corresponding legal obligations, to notify other bodies as well. In particular, the type of loan or financing, the amount and modalities as well as the personal details of the applicant(s) and any qualified payment arrears or abuses will be reported. I acknowledge the right of ZEK to provide its members with information on the reported data. The financing institution may reject the application without giving reasons.
Cooperation with intermediaries: I acknowledge that in the case of applications received from an intermediary, the financial institution may exchange with the intermediary the necessary information in connection with the application/creditworthiness check as well as the conclusion and processing of the contract (e.g. parameters and result of the application check, delivery of the contract documents, information on the contract status and payment history as well as balance) and release the financial institution from bank-client confidentiality to this extent if and to the extent necessary.
Information on partners: If I have provided information on my spouse or registered partner (“Partner”) in the application, I confirm that (i) I have informed my Partner of this application, (ii) the financial institution may verify the above information by means of direct inquiries with my Partner, and (iii) my Partner agrees that the financial institution may obtain information concerning him/her as described above (including conducting informational inquiries with the ZEK).
Data processing: I acknowledge that the financial institution may process my data for the purpose of reviewing my application and for risk assessment and marketing purposes (data evaluation and profiling). In addition, I may be offered other products and services by mail or telephone, including those offered by group companies of the financial institution as well as other third parties. I may object to this data processing for marketing purposes at any time. By providing my e-mail address, I also agree that the financial institution may also send me the aforementioned offers by e-mail. In connection with open communication via e-mail, I expressly accept the risk that my data may be intercepted or published by third parties during transmission, or that unauthorized third parties may draw conclusions about a contractual relationship between the financial institution and me, and that in this respect the protection of secrets or bank-client confidentiality is not guaranteed. I may revoke my consent to the electronic delivery of advertising mailings at any time.
Cooperation with service providers (outsourcing): I acknowledge that the financial institution may outsource services, in particular in the area of business process execution, IT security and system control, market research and processing, the calculation of business-relevant credit and market risks, and the administration of contractual relationships (e.g. application and contract processing, collection, communication with customers) to third parties (“service providers”). The financial institution shall provide these Service Providers with the data necessary to fulfill their contractual obligations and may also transfer this data abroad for this purpose. Service providers, their employees and subcontractors are contractually bound to confidentiality by the financing institution. The service providers are generally located in Switzerland or in the EU/EEA area, but may in principle be established anywhere in the world. If personal data is transferred to a country that does not have an adequate level of data protection from Switzerland’s perspective, the financing institution shall ensure adequate data protection by means of suitable guarantees, such as the agreement of the standard contractual clauses.
I acknowledge that communication between the financing institution and me or the intermediary may take place via electronic channels. The intermediary as well as the financing institution cannot guarantee the confidentiality of data during transmission via the Internet. It is therefore possible for third parties to draw conclusions about an existing or imminent business relationship between me and the financing institution (possibly a banking relationship).
Further information on the processing of personal data by the financing institution can be found in the privacy policy on the website of the financing institution or can be requested from the financing institution.
Granting of credit is prohibited if it leads to over-indebtedness (Art. 3 UWG)
