Important legal information

This data protection declaration tells you what personal data Lica Crédit Sàrl (hereinafter referred to as "Lica") collects, how it is collected and for what purposes Lica processes it. This being important, we recommend that you take the time to read the data protection declaration carefully. If you do not agree with this statement, please refrain from seeking to access other pages of the Lica website.

What information do we collect about you

When you visit our website, our web server automatically records details of your visit (e.g. your IP address, the website from which you are visiting us, the type of browser used and the pages of the website that you open, including the date and duration of your visit). In addition, we collect personal data (e.g. name, address, age and details of creditworthiness (in particular monthly income, expenses, existing loans and lawsuits) which you make available to us via our website, for example when registering for a private loan application or opening an account after your loan has been granted or when you subscribe to an electronic newsletter. Lica is committed to protecting the personal data collected from visitors to its website.

Purpose of data processing

Lica processes your personal data to check your creditworthiness as well as to operate, improve and personalize its own products and services. Such services include, for example, the offer of tailor-made services, the use of your personal data for internal market research or for the display on the website of advertisements that may be of interest to you. Lica may use your personal data to communicate with you, for example to send you information about new products or safety instructions. Lica does not carry out a personality profile of you.

How do we collect and store information about you

This website uses so-called tracking technologies such as cookies and tags to collect information such as the ones mentioned above so that we can always optimize the usability of our website. “Cookies” designate an information file saved on your computer. This allows your computer to be recognized on subsequent visits to the website. This technology facilitates navigation and presents the website to you according to your needs. You also hereby acknowledge that your browser has various settings regarding the acceptance or non-acceptance of cookies. Lica uses, among other things, Google Analytics, a web analysis service from Google Inc. (“Google”). Google Analytics uses cookies which are stored on your user and thus enable an analysis of your use of the website. The information generated by the cookie about your use of this website (including your IP address) is transferred to a Google server in the United States, where it is stored.

Data processing takes place on the basis of the statutory provisions of Art. 6 para. 1 let. f (legitimate interest) of the EU General Data Protection Regulation (GDPR). The goal we pursue in the sense of the GDPR (legitimate interest) is the optimization of our online offer and our Internet presence. The information collected by the cookie on the use of this website is not transmitted to third parties. By setting your browser accordingly, you can prevent the installation of cookies; please note, however, that in such a case you may not be able to use all of the functions of the website. If you refuse the storage and use of your data, you can deactivate these two elements. To this end, please configure your browser in such a way that, if you wish and when possible, you are warned against tracking technologies (such as cookies) and/or accept them. Refusing, blocking or disabling tracking technologies may result in restricted availability of the products we offer through our website.

Obtaining your personal data from third parties

Lica can obtain the information necessary for the granting of a loan (control of your solvency) from your employer, the banks concerned, the prosecution offices, the control of the inhabitants, the guardianship offices, the assessment agencies. loans (in particular from CRIF SA) and from the ZEK (Credit Information Center) as well as the IKO (Consumer Credit Information Center). In this case, it is a question of collecting information relating in particular to the current address, to the solvency or to a possible placing under supervision.

Processing, transmission and deletion of your personal data

The processing, transmission and deletion of your personal data are carried out in accordance with and in compliance with the legal provision on data protection. Lica is entitled to transmit your personal data to its employees, agents and to companies linked to it in Switzerland and outside, for the purpose of operating, improving and personalizing its products and services. Lica only saves your personal data for as long as this is necessary for the purposes of processing and until the expiry of the legal or contractual retention periods for your personal data. 

Processing and transmission of your personal data in the context of financing requests (credit)

The user also acknowledges and accepts that Lica transmits the credit request(s) to the following service providers by Internet, e-mail, fax or post: UBS, Novo Banco, BEKB/BCBE, Valiant, Credex, Millennium, Cembra Money Bank, Bank-Now, Corner Banca, CreditGate24, Bob Finance, Banque Cantonale Genevoise, Neocredit, Lend, Grenke, Crédit Général SA, Lora Finance Sàrl, Swiss Keys Management SA as well as any other intermediary designated in the implementation of an individual mandate. The list of the aforementioned institutions are individually referred to below as “financial institution”. In addition, the user confirms the following:

Application review and credit information:

The user confirms the accuracy of all data concerning him and authorizes the financial institution, within the framework of the examination of the present request and the treatment of the contractual relationship, to obtain information about him from third parties. , including banks, credit information center (ZEK), authorities (e.g. prosecution office, land registry offices, tax administrations, residents' control, child protection authorities and 'adult), economic information companies, credit intermediaries, employers, companies of the group of the financial institution and, where applicable, the Association for the management of an information center on the consumer credit (IKO). For the aforementioned purposes, the user releases these organizations from banking, postal, official or business secrecy. In addition, the user authorizes the financial institution to report this request to the ZEK and, if applicable, to the IKO as well as, in the event of a corresponding legal obligation, to other bodies. In particular, the type, amount and terms of credit or financing are announced, as well as the personal data of the applicant (eresse) and any qualified payment delays or abuse. The user acknowledges that the ZEK and the IKO have the right to provide their members with information on the data communicated. The financial institution may refuse the request without providing reasons.

The granting of a loan is prohibited if it causes over-indebtedness (art. 3 LCD).

Collaboration with intermediaries:

The financial institution may, in the event of requests transmitted to it by an intermediary, exchange with the latter the information necessary for the examination of the request / solvency and for the conclusion and execution of the contract.

Partner data:

If the user makes, in the request, indications concerning his / her spouse or his / her registered partner (“partner”), the user confirms (i) that he / she has informed his / her partner of the present request, (ii) that the financial institution can verify the aforementioned indications directly with its partner, and (iii) that my partner accepts that the financial institution obtains information about it (including requests for information from ZEK) as described above.

Data processing :

The user authorizes the financial institution to process and evaluate their data for marketing and risk management purposes, and to establish profiles in this regard. He authorizes the financial institution to offer him other products and services, including those of the companies in his group. I can revoke this authorization to process my data for marketing or sending information at any time.

Collaboration with outsourcing service providers:

The financial institution may outsource services to third parties (hereinafter “service providers”), in particular with regard to the processing of business processes, IT security and systems management, market study and prospecting, the identification of credit and market risks relevant to the business, as well as the administration of contractual relationships (eg processing of inquiries and contracts, collection, communication with clients). The financial institution provides these service providers with the data necessary for the performance of their contractual obligations and may for this purpose also transmit this data abroad. Service providers, as well as their employees and subcontractors, have a contractual obligation to ensure data protection in accordance with the requirements of the Federal Data Protection Act, to observe banking secrecy in accordance with the Act federal banking law and honor the duty of confidentiality. In this context, the user takes note of the fact that my data may be transmitted to service providers established in States which, where applicable, do not have data protection equivalent to that of Switzerland.
The user accepts that the financial institution uses electronic means to communicate with me or the intermediary. The user also accepts the transmission of data over the Internet and I am aware that the Internet is an open network accessible to everyone. Consequently, Lica and the financial institution cannot guarantee the confidentiality of data transmitted over the Internet. As a result, third parties may conclude that there is a current or future business relationship (banking if applicable) between myself and the financial institution.

Power of attorney relating to a request for business financing from CG24:

As part of a financing request for a company, the user acknowledges and accepts that Lica records his signature when sending the web application form. The user's signature is used to establish and validate the following power of attorney:

Lica is authorized, within the framework of a power of attorney, to carry out all the legal acts which would make it possible to carry out a request for credit as well as the opening of an account on behalf of the user with CG24. This includes in particular, but not exclusively, the opening of a customer account, including the sending of all necessary user information via the CG24 website and the submission of a credit application with entry of all the elements necessary for the evaluation of the credit application, including the necessary data and documents. It is also possible to perform all actions necessary for the granting of credit and the payment of credit by CG24 in favor of the user. This also includes the collection of information and documents for the aforementioned purposes from third parties, public services, external credit institutions and other bodies, and to communicate them to them.

All mentioned actions can be carried out at any time by telephone, fax, mail, electronic message, or in person. The user hereby acknowledges that all legal acts carried out on the basis of this general power of attorney release the intermediary from any liability in connection with the transmission of (personal) data within the framework of the activity of the intermediary in connection with the above activities provided that the intermediary exercises the usual duty of care.

Lica undertakes vis-à-vis the user and CG24 to present to the user the terms of use and the data protection declaration of CG24 currently in force before the signing of this power of attorney.

The user confirms that:

• Terms of use of CG24 are known and accepted;
• The collection, processing and use of its data, as indicated in privacy policy are accepted;
• He agrees to be informed of CG24 news and offers by e-mail (optional).

Furthermore, the user confirms that:

He answered in a truthful manner on all the data and information requested by Lica, which Lica needs to establish the credit application and which he transmits to CG24, also answered all the questions posed by CG24. CG24 is authorized to take all necessary measures for the examination of the request and the execution of the contractual relationship. This includes obtaining information from public offices, external credit checkers, the Consumer Credit Information Center (IKO) as well as the Credit Information Center (ZEK) and making the declaration relating to the credit application.

A copy of the power of attorney signed by the user is given during the first contact with Lica. The power of attorney may be terminated at any time, without delay and without any particular form.

Transmission of your personal data in the context of advice granted by a third party regarding health insurance 

The user also acknowledges and accepts that Lica transmits his personal information to the insurance company ASSURA, respectively Assura-Basis SA and Assura SA. This provided that the user has expressly given his authorization by telephone, email or SMS to Lica to be advised about his health insurance by a third party. This authorization is also valid for all family members for whom Lica would have had access to data or contracts relating to their health insurance. Lica is in no way responsible for any errors in the advice provided by ASSURA.

Proposal of credit cards Certo! One Mastercard® Lica MyDesign

Lica offers, on behalf of Cembra Money Bank, the “Certo! One Mastercard” credit card to its customers. The issuer of the credit card is Cembra Money Bank SA Zurich. This credit card is subject to specific data protection regulations, and Lica undertakes to comply with the rules of confidentiality and data protection on its site according to the instructions of the bank Cembra Money Bank. When the user decides to apply for the "Certo! One Mastercard" credit card offered on the Lica site, he is redirected to the site https://certo-card.ch/ to complete their request. It is important to emphasize that Lica has no control over the site https://certo-card.ch/ and is not responsible for the protection of the data collected there. However, the site https://certo-card.ch/ is managed by Cembra Money Bank, which is subject to the same data protection rules as Lica. In addition, the information collected on this site is treated confidentially and securely, in accordance with current data protection regulations.

How do we handle electronic messages sent to or by Lica

All electronic messages (emails, chat messages, etc.) sent to or by Lica are automatically stored in a system specially designed for this purpose (E-mail Journaling) which guarantees the probative value of the electronic messages. These electronic messages are protected by appropriate technical and organizational measures. Access is only granted in cases justified in accordance with applicable laws and regulations (e.g. court decision, suspicion of criminal behavior) and only to specific persons with specific functions (e.g. legal services, compliance or risk).

Right to information / rectification or deletion of your personal data

For any request for information, rectification or deletion of your personal data, please send your question / request accompanied by a photocopy of your passport or identity card by post to the following address :

Lica Lending Sàrl
Av. Général-Guisan 30b
CH - 1800 Vevey

protection of your personal data

Lica uses all appropriate technical and organizational means to protect your personal data from illegal and unauthorized access, processing, loss or destruction.

Hypertext links to third party sites

Lica has not verified the websites of third parties to which its own website may hyperlink and therefore accepts no responsibility for the use that these sites make of your personal data. Viewing third party websites is at your own risk.

Modification of this data protection declaration possible at any time

Lica reserves the right to modify this data protection declaration at any time. The last line of this data protection declaration indicates the date of the last update.

Place of jurisdiction and applicable law

The competent court to rule on any dispute resulting from or related to this data protection declaration is located at the domicile of the company's headquarters. Lica nevertheless reserves the right to bring the dispute before any other jurisdiction on which you would normally depend. This data protection declaration is governed exclusively by Swiss law.