General conditions of use (T & Cs)

Last updated on Jan. 3, 2020

Important legal information

Please read these terms of use (including the data protection declaration) of the website carefully. By accessing the website (hereinafter referred to as "website") of Lica (hereinafter referred to as "Lica"), you declare that you have read and understood the following legal information relating to the use of the website and accept its conditions of use.

Website ownership

The website is the property of Swiss Keys Management SA (hereinafter referred to as “SKM”). The latter may also be required to process data and, if necessary, analyze it. The content management and maintenance of the site is carried out by SKM. All information about SKM can be accessed at “”.

Website recipients

The website is intended exclusively for natural persons having full exercise of their civil rights and domiciled in Switzerland.

Data protection, security and communication with Lica

In accordance with art. 13 of the Swiss Federal Constitution and the applicable data protection legislation, everyone has the right to the protection of their private sphere and to protection against the misuse of data concerning them. Lica and SKM comply with these provisions as set out in its data protection declaration. Please read this data protection declaration carefully. The Internet is a global network, open and accessible to all. Lica and SKM do everything possible to protect your privacy and your data on the Internet. Therefore, all confidential data between your browser and Lica's web server is transferred exclusively after being encrypted. Lica and SKM will also never ask you to communicate or have sensitive data verified by e-mail or hyperlink. But, you hereby consent to Lica and SKM also contacting you at the email address you have registered on the website. These e-mails are unencrypted. Consequently, Lica and SKM cannot guarantee its confidentiality. For more information on data protection relating to SKM, please visit “”.

No loan service offer 

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

Offer for other services

The other offers available on the website such as unemployment insurance Helvetia Income Protect or mortgage financing are distributed by the company Swiss Keys Management SA (non-exhaustive list). All information is also available at: The Helevtia Income Protect insurance product is subject to the LCA and LSA. In this sense, SKM and its website apply the various provisions relating to insurance products.

Right to cashback

To qualify for cashback, the request must be fully made online. That is to say that you must select the option “With Cashback” when choosing your request and complete all the information completely independently.

In the event that a credit specialist should intervene on your file for its preparation, you will no longer be able to claim payment of the cashback. This includes operations such as a part claim, negotiation with partners or, for example, the establishment of the loan request (non-exhaustive list).

The right to cashback only applies to the request for private credit made from the following link:

Website rights

All rights (including copyrights, those relating to trademarks and patents and other intangible rights) relating to all information and content on the website (text, data, graphics, sound recordings and logos included) belong exclusively, unless otherwise specified, to SKM and its website or to the corresponding beneficiary. The use of this information and content is only permitted for strictly private and non-commercial browsing. Any use that is different from or outside this framework requires the prior formal and written authorization of SKM.

Disclaimer of warranty and liability for the use of the website

SKM strives to accurately convey and always update the information published on the website. It makes the information available without any guarantee. It assumes no responsibility and makes no warranty for the accuracy, timeliness, completeness, reliability or availability of the website or the information or results that are the result of the use of the website and does not guarantee not that the website is free of viruses and defects. Any liability of SKM that results from accessing or using the website is excluded to the extent provided by law.

Hypertext links

SKM has not verified the websites of third parties to which its own website may hyperlink and therefore accepts no responsibility for the content of these. Establishing connections with third party websites is at your own risk.

Modification of these Terms of Use possible at any time

SKM reserves the right to modify these conditions of use at any time. The last line of these terms of use indicates the date of the last update.

Translation disclaimer

This service may contain translations provided by google or Translatepress. These disclaim any explicit or implicit responsibility for translations, including any guarantee of accuracy and reliability, as well as any implied guarantee of merchantability, fitness for a particular purpose and conformity.

The website has been translated for reference using translation software provided by Weglot and Google Translate. Reasonable efforts have been made to provide you with an accurate translation, but no machine translation is perfect or intended to replace the work of human translators. Translations are offered as a service to website users and are provided “as is”. No warranty of any kind, express or implied, is made as to the accuracy, reliability or correctness of translations made from the following language: French. Due to the limitations of the translation software, some content (such as images, videos, Flash elements, etc.) may not be translated exactly.

The official text appears in the French version of the website. Any errors or differences generated in the translation are not binding and have no legal effect for purposes of compliance or enforcement. If you have any questions regarding the accuracy of the information on the translated website, please refer to the English version of the website, which is the only official version.

Place of jurisdiction and applicable law

The competent court to rule on any dispute arising out of or related to the use of the website is located at the domicile of the registered office of the company SKM. It nevertheless reserves the right to bring the dispute before any other jurisdiction on which you would normally depend. These conditions of use are governed exclusively by Swiss law.

Swiss Keys Management SA
5, rue du Simplon
CH - 1800 Vevey
+41 21 634 30 88

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✓ No administration fees

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