Data protection declaration

Last updated on Jan. 3, 2020

Important legal information

This data protection declaration tells you which personal data Lica collects, how it is entered 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 access to other pages of the Lica website. For the protection of data relating to SKM, please refer to the site www.swisskeysmanagement.com.

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 like cookies and tags to collect information like the ones mentioned above so that we can always optimize the usability of our website. "Cookies" refer to an information file saved on your computer. This allows you to recognize your computer the next time you visit the website. This technology facilitates navigation and presents the website to you according to your needs. You hereby also 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 provided by Google Inc. ("Google"). Google Analytics uses cookies which are saved on your user and thus allow 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 USA, where it is saved.

Data processing is carried out on the basis of the legal provisions of Art. 6 para. 1 let. f (legitimate interest) of the EU General Data Protection Regulation (GDPR). The objective that 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 passed on 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 the functions of the website. If you refuse the storage and use of your data, you can deactivate these two elements. For this purpose, 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 or SKM can obtain the information necessary for the granting of a private loan or mortgage loan (control of your solvency) from your employer, the banks concerned by this contract, the prosecution offices, the control of inhabitants, the guardianship offices , credit assessment agencies (in particular with CRIF SA) and with 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 and SKM are 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 and SKM only save 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 SKM (Lica) transmits the loan request (s) to the following service providers by Internet, e-mail or fax / mail: Crédit Suisse, UBS, Swiss Life, Crédit Agricole, Novo Banco , Vaudoise Assurances, Zurich Assurances, Bank Zweiplus, BEKB / BCBE, Retraites Populaires, Swissquote, Valiant, Credex, Bâloise Bank SoBa, Banque Cantonale Vaudoise, Milennium, Banque du Léman, Banque Migros, Credit General SA (partner of Cembra Money Bank AG , Bank-Now AG, Corner Banca SA, CreditGate24 and BCGE) as well as any other intermediary appointed in the establishment of a mandate or the presentation of an information sheet according to art. 45 of LSA. The list of the aforementioned institutions are referred to individually below by “financial institution”. In addition, the user confirms the following points:

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.

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. Therefore, SKM (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.

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

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
C / O Swiss Keys Management SA
5, rue du Simplon
CH - 1800 Vevey

protection of your personal data

Lica and SKM use all appropriate technical and organizational means to protect your personal data from illegal and unauthorized use (in particular access, processing, loss or destruction).

Hypertext links to third party sites

Lica and SKM have not checked third party websites to which its own website may hyperlink and therefore accepts no responsibility for the use these websites make of your personal data. Viewing third party websites is at your own risk.

Modification of this data protection declaration possible at any time

SKM 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. SKM 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.

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