Legal Information for the Use of Alma Credit’s Website (Base)

Purpose: These terms set out the conditions for using the Alma Credit website. Anyone accessing the site is considered a user and agrees to these terms.

Intellectual Property: All content (texts, images, graphics, logos) on the Alma Credit website is protected by copyright and other intellectual property laws. Any reproduction, even partial, is prohibited without prior agreement from Alma Credit.

Data Protection: Alma Credit commits to protecting the personal data of users in accordance with the regulations in force in Switzerland and its own privacy policy.

Limitation of Liability: Although Alma Credit strives to ensure the reliability of the information on the site, it cannot guarantee their accuracy, completeness, or relevance. The user uses the site at their own risk. Alma Credit cannot be held responsible for any damage resulting from the use of the site.

External Links: The site may contain links to other websites. Alma Credit is not responsible for the content and practices of these external sites.

Cookies: Alma Credit’s website uses cookies to improve user experience. By using the site, the user accepts the use of these cookies in accordance with Alma Credit’s cookie policy.

Modifications: Alma Credit reserves the right to modify these legal informations at any time. Users are invited to regularly consult this section to be aware of any changes.

Applicable Law and Jurisdiction: These legal informations are governed by Swiss law. Any dispute relating to the interpretation or execution of these conditions will be subject to the competent courts in Switzerland.

Legal Notice

All users of the Alma Credit website are invited to read these terms of use carefully.

By accessing this website, the user declares agreement with the following conditions, which are exclusively written in French. If the user does not approve the conditions defined below or does not fully understand them, they are asked to refrain from accessing the site.

Data Security and Privacy

The Internet is an open network accessible to all. When the user visits the Alma Credit website, third parties may draw conclusions about the possible existence of a business relationship between the user and Alma Credit. The transmission of information over the Internet may be subject to disruptions, delays, or errors in data routing that are beyond the control of Alma Credit or an information provider. Alma Credit or the information providers are not responsible for any damages or consequential damages resulting from such problems. Similarly, Alma Credit disclaims any responsibility for losses or damages of any kind caused by the use of this website or the information it contains. The information on this site may be changed at any time without specific prior notice. When the user activates links on the Alma Credit site, they may leave the site. Alma Credit has not reviewed the other sites linked to the website by links and disclaims any responsibility for their content and the products, services, and other offers presented there.

Intellectual Property and Other Notices

The entire content of this site is the exclusive property of Alma Credit, subject to rights belonging to third parties. Reproduction (complete or partial), transmission (electronically or by other means), modification, linking, or use of the Alma Credit website for public or commercial purposes is prohibited without the prior written agreement of Alma Credit.

Any dispute related to the site or arising from its use or access is subject to the exclusive jurisdiction of the competent courts of the canton of Vaud, subject to any possible appeals to the Federal Tribunal of Lausanne. Swiss law applies.

Examination of the Credit Application and Information on the Applicant’s Solvency:

I confirm that all the information provided in my application is complete, up-to-date, and accurate, and I authorize Alma Credit to obtain information about me in the context of the examination of my application and the execution of the contractual relationship from third parties, including banks, the credit information center (ZEK), authorities (e.g., debt enforcement office, land registry office, tax authorities, residents’ registration office, child and adult protection authorities), economic information companies, credit intermediaries, employers, companies of the Alma Credit group, and, if applicable, the consumer credit information center (IKO). For these purposes, I release these entities from the banker’s professional secrecy, postal secrecy, official secrecy, or business secrecy. I acknowledge that Alma Credit is required, where applicable, to declare a consumer lease or consumer credit to be granted or granted to the consumer credit information center (IKO). I also authorize Alma Credit to declare this application to the ZEK and, in the case of corresponding legal obligations, to other bodies. Particularly reported are the type, amount, and terms of credit or financing, as well as the personal data of the lessee(s) and any qualified payment arrears or abuse. I recognize that the ZEK has the right to communicate information about the transmitted data to its members. Alma Credit may refuse the request without providing reasons.

Collaboration with Intermediaries:

I acknowledge that, in the case of applications submitted by an intermediary, Alma Credit may exchange the necessary information with this intermediary in the context of examining the application/solvency and concluding and executing the contract (e.g., the parameters and result of the application review, delivery of contractual documents, information on contract status and payment behavior, and balance), and I release Alma Credit from the banker’s professional secrecy in this context and to the extent necessary.

Information about Partners:

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) Alma Credit may verify the above information by contacting my partner directly, and (iii) my partner agrees that Alma Credit may obtain information about him/her as described above (including by submitting information requests to the ZEK).

Data Processing:

I acknowledge that Alma Credit may process my data to examine my application and for risk assessment and marketing purposes (data evaluation and profile creation). In addition, other products and services, including those of Alma Credit group companies and other third parties, may be offered to me by mail or telephone. I can revoke this processing of my data for marketing purposes at any time. By providing my email address, I also agree that Alma Credit 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 deduce the existence of a contractual relationship between Alma Credit and myself, and that as a result, the protection of confidential information or the banker’s professional secrecy is not guaranteed. I can revoke my consent to the electronic sending of advertising messages at any time.

Collaboration with Service Providers (Outsourcing):

I acknowledge that Alma Credit may subcontract services to third parties (“service providers”), particularly in the areas of commercial process handling, IT security and system control, market research and analysis, credit and market risk calculation related to the activity, and contract relationship administration (e.g., handling of applications and contracts, collections, customer communication). Alma Credit provides these service providers with the necessary data to fulfill their contractual obligations and may also transfer this data abroad for this purpose. The service providers, their employees, and their subcontractors are contractually obliged to maintain confidentiality. The 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, Alma Credit takes appropriate security measures to ensure that the concerned data is properly protected (in particular by applying standard data protection clauses).

Electronic Communication:

I acknowledge that communication between Alma Credit and myself or the intermediary may be done electronically. The intermediary and Alma Credit cannot guarantee the confidentiality of data during transmission over the Internet. Therefore, third parties may deduce the existence or imminent existence of a business relationship (possibly a banking relationship) between me and Alma Credit.

Data Protection:

For more information on the processing of personal data by Alma Credit, please consult the data protection statement on the Alma Credit website or inquire with it.

Exclusion of Liability:

Alma Credit assumes no responsibility for any direct or indirect losses and damages of any nature arising from access to the site or the use of information or opinions available on this site or the impossibility of accessing or using the information or opinions available on this site. In particular, the liability of Alma Credit as well as its directors, officers, employees, agents, and shareholders, for any harm or loss incurred due to an error, technical or otherwise, a transfer failure, an overload condition, a difficulty in use, a service interruption (including system maintenance), a delay in the transmission of information, an incompatibility between this site and the user’s files and/or software (including his “browser”) and/or his computer, a malfunction, interference, the transmission of a virus or a computer worm to his computer, an illegal intrusion (e.g., following computer hacking), an intentional blocking of telecommunications tools and networks (e.g., following mass emailing or denial-of-service attacks) or any other inadequacy of telecommunication or network service providers is excluded.

Access Restrictions:

The site is not intended for individuals in jurisdictions where (due to the nationality of the persons, their place of residence, or any other reason) the dissemination, access to this site, or its use is prohibited. Individuals subject to such restrictions must not access or use the site in any form.

Links:

Alma Credit has not reviewed the websites linked to the site and is not responsible for the content of these other sites. Establishing connections to other websites is done at your own risk.

Partial Invalidity:

If any of the provisions of these terms were not valid, conforming, or applicable, this does not in any way lead to the invalidity, cancellation, or non-performance of the other provisions of these terms…

Language:

Only the French version of these terms of use shall be considered authoritative.

Jurisdiction and Applicable Law:

Additional Information:

The granting of credit is prohibited if it leads to over-indebtedness (Art. 3 LCD). In accordance with the provisions of the Federal Data Protection Act of 19 June 1992, any interested party can request, by sending a written and signed request to Alma Credit, to be informed by mail about the data concerning them…

Use of Cookies:

We use cookies to ensure the best possible experience on our website, to offer social media features, and to analyze our traffic. By continuing to use this site, the user accepts the use of cookies.

Jurisdiction and Applicable Law:

Important Note:

The granting of a credit is prohibited if it leads to over-indebtedness (Art. 3 LCD).