General conditions of use (T & Cs)

Important legal information

These general conditions provide you with information and legal links related to the use of the website of the company Lica Crédit Sàrl (hereinafter “Lica”) and its users. By accessing the Lica website, you declare that you have read and understood the following legal information relating to the use of the website and that you accept its conditions of use. If you do not agree with these Terms of Use, please refrain from seeking to access other pages of the Lica website.

Website Ownership

The website is the exclusive property of Lica. Content management and maintenance of the site is carried out by Lica. All contact information is available at: https://lica.ch/nous-contacter/.

Intellectual property and trademark

Lica fully holds all rights associated with the creation and distribution (copyrights) on all information and content available on this site. This includes, but is not limited to, the design, content, publications and software applications of the site.

Accessing, downloading or copying data from the site does not grant any rights to the elements present on the Lica website. It is important to note that the name “ Lica » is a protected trademark. Use of the Lica website is subject to the following conditions:

• Lica provides information on its site related to the services offered. For any commercial use of this information, prior consent from Lica is necessary. Commercial exploitation includes in particular the provision of services based on the data published on the Lica site. Requests for authorization for such use may be addressed to: info@lica.ch.
• Visitors to the Lica website agree to use the information and content of the site only for information purposes or to obtain one of the services provided by Lica. They are prohibited from copying, publishing or reproducing the information available, whether online or in any other form.
• Hyperlinks to the services offered by Lica are permitted, provided that Lica is clearly identified as the source of these services. If a link is established to Lica services, please inform Lica to anticipate possible modifications to the site (info@lica.ch). Lica reserves the right to take legal action in the event of violation of its copyright.

Website recipients

The website is intended exclusively for natural and legal persons having the full exercise of their rights and domiciled in Switzerland or in countries bordering Switzerland.

Data protection

Thank you for consulting the following page: https://lica.ch/protection-des-donnees/

No offer relating to the services offered

The information published on the Lica website and relating to the services offered are not firm or definitive offers. Only contractual documents provided by Lica can be considered as firm or final offers.

Disclaimer

Lica is committed to providing accurate and regularly updated information on its website. However, it offers this information without guarantee as to its accuracy, timeliness, completeness or reliability. It also does not guarantee the continuous availability of the website, nor the absence of viruses or defects. Consequently, Lica declines all responsibility for damage or losses, direct or indirect, resulting from access to its site, from the use of the information it contains or from the inability to use this information. It is not held responsible for technical problems, transmission errors, overloads, interruptions (including for maintenance), delays in the dissemination of information, incompatibilities between the site and the hardware or software of the user, or malicious acts such as viruses, intrusions or hacking. Any liability for actions aimed at disrupting telecommunications services, such as mass emailing or denial of service attacks, is also disclaimed. Within the limits provided by law, Lica, including its directors, managers, employees, collaborators and shareholders, disclaims any liability arising from access or use of its website.

Means of communication

In order to maintain transparent and effective communication with users of the Lica website, we use the following different communication channels:

• Email : This channel is favored for direct and formal communications.
• Newsletter: Every two to three weeks, users who wish to subscribe receive our newsletter containing relevant news and our exclusive offers.
• Phone We use the phone primarily for customer service and some important confirmations.
• Messaging service (SMS): Whether for communications in Switzerland or abroad, SMS is a quick and direct way for us to communicate with you.
• WhatsApp : This service allows us to communicate with you instantly, offering you offers and news, while responding to your requests.

When you interact with our website, including when submitting forms, we ask you to check a specific box to give your consent to be contacted through these different communication channels. If at any time you wish to change your communication preferences or revoke a subscription you can do the following:

• Email : Simply ask your contact person by return email to no longer contact you and/or to change your contact method.
• Newsletter: Click the direct unsubscribe link at the bottom of each email.
• Phone Verbally inform the operator during a call that you no longer wish to be contacted and/or to change your contact method.
• Messaging service (SMS): Simply send the message “STOP” to no longer receive messages from us.
• WhatsApp : Simply send the message “STOP” to no longer receive WhatsApp messages from us.

In any case, you can also modify your communication preferences or revoke a subscription from the following page: https://lica.ch/nous-contacter/.

Hypertext links

Lica has not checked third-party websites to which its own website may refer via a hyperlink and, therefore, accepts no responsibility for the content thereof. Initiating connections to third party websites is at your own risk.

Translation disclaimer

This website uses the translation services of TranslatePress and Google Translate. Although we have done our best to ensure accurate translations, these tools do not guarantee absolute perfection. Translations are provided as is, without guarantee of accuracy or reliability. The French version of the website is the official reference. Inaccuracies or differences in the translated versions are not binding and have no legal significance. For precise information, refer to the French version. Some parts of the site, such as images or videos, may not be accurately translated due to the limitations of these tools. Lica declines all responsibility for possible problems or inaccuracies related to the translation.

Online payment with Stripe services

When processing a payment for an online service order on the Lica website, the user agrees to the use of payment services offered by Stripe. The entry of access data necessary for payment services is carried out directly on a secure platform provided by Stripe, via the interface available on the Lica website. The management of this payment interface as well as the associated technical infrastructure is entirely the responsibility of Stripe, which is recognized for its high security standards. Consequently, Lica cannot be held responsible for the use of this payment method by the user.

Right to cashback

cashback is a reimbursement system where, following a private credit request on our website, you can receive part of the commission collected by Lica as a private credit intermediary. In the context of our offer, to be eligible for this cashback when applying for credit, you must complete all the steps online and independently. Concretely, when applying for your credit, be sure to choose the “With Cashback” option and provide all the information requested without the intervention of an advisor. If an advisor were to participate in the preparation of your request, for reasons such as requesting additional documents, negotiating with our partners or establishing the loan request (and other reasons, this list is not exhaustive ), the right to cashback would then be canceled.

The benefit of cashback is therefore strictly reserved for private credit requests made via the following link: https://lica.ch/demande-de-credit-prive-en-ligne-avec-cashback/.

Modification of these General Conditions of Use possible at any time

Lica reserves the right to modify these conditions of use at any time. The second line of these general conditions of use indicates the date of the last update.

Legal forum, applicable law, partial nullity and language

The competent court to rule on any dispute arising from or linked to these general conditions of use is located at the domicile of the company's headquarters. Lica nevertheless reserves the right to bring the dispute before any other jurisdiction to which you would normally depend.

If one of the clauses of these general conditions of use proves to be invalid, unsuitable or inapplicable, this will not influence the validity or applicability of the other clauses. The relevant clause would then be replaced by another which, while valid and enforceable, would respect as much as possible the intention and objective of the original clause.

Only the French version of the general conditions of use is authentic.