Important legal information
Please read these conditions carefully. By accessing this website, subsites and associated websites of Best-Finance GmbH, you declare that you have understood and recognise the following terms of use and legal information in connection with this website (and the elements contained therein). If you do not agree with the following conditions, please refrain from accessing this website and its pages.
Data protection, internet and email
In accordance with Article 13 of the Swiss Federal Constitution and based on data protection legislation, every person is entitled to protection of their privacy and protection against misuse of their personal data. Best-Finance GmbH complies with these provisions.
The Internet is open and accessible to everyone. Best-Finance GmbH makes every effort to protect my data and safeguard my privacy. For this reason, all confidential data is transferred between my browser and the Best-Finance GmbH web server exclusively in encrypted form.
I hereby acknowledge and agree to the use of so-called "cookies" technology. This technology enables the website to be displayed smoothly and customised to the user's needs. A "cookie" is an information file that is stored on my end device so that my computer can be recognised when I visit Best-Finance GmbH again. I acknowledge that my browser has various settings regarding the authorisation or non-authorisation of cookies.
By accessing and using this website and its pages, I agree that Best-Finance GmbH may also contact me via the email address and telephone number (SMS and messenger apps) registered by me. Such emails are sent unencrypted via the Internet. Due to the fact that the Internet is a global, open network accessible to everyone, Best-Finance GmbH cannot guarantee the confidentiality of email transmissions. However, emails sent by Best-Finance GmbH in this way never contain sensitive data. Best-Finance GmbH also never asks customers and applicants to provide or verify sensitive data via email or links over the Internet.
Communication and data transmission
- Notifications from Best-Finance GmbH shall be deemed to have been delivered when they have been sent to the last postal or e-mail address or mobile phone number provided by the customer.
- The customer agrees that all correspondence between him and Best-Finance GmbH can also be sent by e-mail, all messengers or via SMS in addition to by post and is binding. Any damage caused by the use of the above-mentioned means of transmission shall be borne by the customer, provided that Best-Finance GmbH has exercised the care customary in the business.
No offer
The information published on the Best-Finance GmbH website does not constitute an invitation, an offer or a recommendation to buy or sell a product, to carry out certain transactions or to engage in any other legal transaction.
Addressees
The Best-Finance GmbH website is aimed exclusively at natural persons domiciled in Switzerland or the Principality of Liechtenstein as well as legal entities or partnerships and corporations domiciled in Switzerland or the Principality of Liechtenstein.
Property and intellectual property rights
Unless otherwise specified, all elements on this site belong exclusively and comprehensively to Best-Finance GmbH (in particular copyright and other rights) as the owner or licencee. The elements are freely usable for browsing purposes only. Any other use requires the express written consent of Best-Finance GmbH.
bestfinance.ch, best-finance.ch, bestcredit.ch, bestkredit.ch, getcredit.ch, creditcompare.ch, credito-barato, creditobarato, kreditvergleichschweiz.ch, smartcompare.ch and cash-credit.ch are registered domain names of Best-Finance GmbH. No part of the site is designed in such a way as to grant a licence or a right to use an image, a registered trademark or a logo. Downloading or copying the site does not transfer any rights to you with regard to the software or elements on the site.
Disclaimer of warranty and liability
Best-Finance GmbH provides the information and opinions without any guarantee. It accepts no responsibility and gives no guarantee for the functionality or faultlessness or virus-free nature of its sites.
Any liability of Best-Finance GmbH other than for intentionally caused damage resulting from access to the elements of the site or their use (or from the impossibility of access or use) is excluded.
Links
Best-Finance GmbH has not checked the websites linked to the Site and is not responsible for the content of these other websites linked to the Site. The creation of links to other websites is at your own risk.
Access restriction
The Best-Finance GmbH sites are not intended for persons who are subject to a jurisdiction that prohibits the publication of or access to the Best-Finance GmbH websites. Persons to whom such restrictions apply are not permitted to access the Best-Finance GmbH sites.
Place of jurisdiction and applicable law
Aarau is agreed as the exclusive place of jurisdiction for all disputes between users of this site and Best-Finance GmbH arising from the operation of or visit to the site. Best-Finance GmbH is also free to take legal action at the domicile/registered office of the user. Swiss law is applicable.
In the event of ambiguities, the German wording of the legal information takes precedence.
Disclaimer for online loan applications
I acknowledge that Best-Finance GmbH (hereinafter: intermediary) will forward my application for review to Cembra Money Bank AG, Bank Now AG, bob Finance AG, good finance AG, cashare AG, creditgate AG, Cornèr Bank AG, Credaris AG and other financial institutions via the Internet, by email or by fax/post. I also acknowledge and confirm the following:
Application review and credit report data: I confirm that all the information I have provided in the application is complete, up-to-date and correct and authorise the financial institution to obtain information about my person from third parties, in particular banks, the Central Office for Credit Information (ZEK), authorities (e.g. debt enforcement, land registry and 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 Information Office for Consumer Credit (IKO) in connection with the examination of this application and the processing of the contractual relationship. For the above-mentioned purposes, I release these bodies from banking, postal, official and business confidentiality. I acknowledge that the financial institution may be obliged to report a consumer lease / consumer credit to be granted or granted to the Consumer Credit Information Centre (IKO). I also authorise the financial institution to notify the ZEK of the transaction applied for and, if required by law, to notify other bodies. In particular, the type of credit or financing, amount and modalities as well as the personal details of the applicant(s) and any qualified payment arrears or misuse will be reported. I recognise the right of the ZEK to provide its members with information about the reported data. The financial 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 the necessary information with the intermediary in connection with the application/creditworthiness check and 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 behaviour and balance) and release the financial institution from bank client confidentiality to this extent if and insofar as necessary.
Information on partners: If I have provided information about my spouse or registered partner ("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 making direct enquiries with my Partner, and (iii) my Partner agrees that the financing institution may obtain information concerning him/her as described above (including making information requests to the ZEK).
Data processing: I acknowledge that the financial institution may process my data to review my application and for risk assessment and marketing purposes (data analysis and profiling). In addition, I may be offered other products and services by post or telephone, including by group companies of the financial institution and other third parties. I can 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 unauthorised 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 can revoke my consent to the electronic delivery of advertising mail at any time.
Cooperation with service providers (outsourcing): I acknowledge that the financial institution may outsource services to third parties ("service providers"), in particular in the areas of business process handling, 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, debt collection, communication with customers). The financial institution provides these service providers with the data required to fulfil the contractual obligations and may also forward this data abroad for this purpose. Service providers, their employees and subcontractors are contractually bound to confidentiality by the financial institution. The service providers are generally located in Switzerland or in the EU/EEA, but may in principle be based anywhere in the world. If personal data is transferred to a country that Switzerland does not consider to have an adequate level of data protection, the financial institution shall ensure adequate data protection by means of suitable guarantees, such as the agreement of standard contractual clauses.
I acknowledge that communication between the financial institution and myself or the intermediary may take place via electronic channels. The intermediary and the financial institution cannot guarantee the confidentiality of data transmitted via the Internet. It is therefore possible for third parties to draw conclusions about an existing or forthcoming business relationship (possibly a banking relationship) between me and the financial institution.
Further information on the processing of personal data by the financial institution can be found in the privacy policy on the website of the financial institution or can be requested from the financial institution.
Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG).