General conditions of use (T & Cs)

Last updated on 04.12.2022

Important legal information

Please read these Terms of Use (including the data protection declaration) of the website. By accessing the website (hereinafter referred to as "website") of Lica Crédit Sàrl (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 it terms of use.

Website ownership

The website is the property of Lica Crédit Sàrl (hereinafter referred to as “Lica”). 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 Lica. All contact information concerning Lica is available on the page " Contact us“.

Website recipients

The website is intended exclusively for natural and legal persons having the full exercise of their 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 legislation on data protection, everyone has the right to the protection of his private sphere as well as to protection against the misuse of the data concerning him. Lica complies with these provisions as stated in its data protection declaration. The Internet is a global network, open and accessible to everyone. Lica does everything possible to protect your private sphere as well as your data on the Internet. This is why all confidential data between your browser and the Lica web server is transferred exclusively after being encrypted. Lica will also never ask you to communicate or verify sensitive data by e-mail or hypertext link. However, you hereby consent to Lica also contacting you at the email address you have registered on the website. These e-mails are not encrypted. Consequently, Lica cannot guarantee its confidentiality. For more information on data protection relating to Lica, please consult the page linked to data protection.

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 submitted by Lica can be considered as firm or final offers.

Online payment

For the processing of a payment when ordering an online service, the user uses the services offered when placing his order on the Lica site. The entry by the customer of the access data required for online banking services is carried out on the internet platform made available by the Lica site. This data is not stored there. This internet portal and the corresponding technical infrastructure necessary for the transmission of access data are outside the sphere of influence of Lica. Consequently, Lica declines all responsibility for the use of this method of payment by the customer.

If you make your purchase through a payment gateway available on the shop, in this case your credit card information will be stored. This information is encrypted in accordance with the data security standard established by the payment card industry (PCI-DSS). Information relating to your purchase transaction is kept for as long as necessary to finalize your order. Once your order is finalized, the information relating to the purchase transaction is deleted. All direct payment gateways adhere to the PCI-DSS standard, managed by the PCI Security Standards Council, which is the joint effort of companies such as Visa, MasterCard, American Express and Discover. PCI-DSS requirements help ensure the secure processing of credit card data by our site and by service providers.

In general, the third-party providers that we use will only collect, use and disclose your information to the extent necessary to be able to perform the services they provide to us. However, some third party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies regarding the information we are required to provide to them for your online payment transactions. With respect to these providers, we recommend that you read their privacy policies carefully so that you can understand how they will treat your personal information. Keep in mind that some suppliers may be located or have facilities located in a jurisdiction different from yours or ours. So if you decide to proceed with a transaction that requires the services of a third party vendor, then your information may be governed by the laws of the jurisdiction in which that vendor is located or those of the jurisdiction in which its facilities are located.

Once you leave the Lica site or are redirected to a third party website or application, you are no longer governed by these legal notices.

Proposal of Certo One Mastercard® Lica MyDesign credit cards

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 AG Zurich. All inquiries and responsibilities relating to this card should be directed to the site When the user decides to apply for the "Certo One Mastercard" credit card offered on the Lica site, he is redirected to the site to complete their request.

Right to cashback

To claim the cashback, the application must be made entirely online. That is to say that you must select the option "With Cashback" when choosing your application 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 the payment of the cashback. This includes operations such as a claim for a part, 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 copyright, trademark and patent rights and other immaterial rights) in all information and content on the website (text, data, graphics, sound recordings and logos included) belong exclusively, unless otherwise provided, to the company Lica and its website or to the corresponding beneficiary. The use of this information and content is only permitted for browsing of a strictly private and non-commercial nature. Any use other than or outside this framework requires the prior formal and written authorization of Lica.

Disclaimer of warranty and liability for the use of the website

Lica strives to transmit accurately 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 any information or results that may be obtained from the use of the website and does not guarantee not that the website is free of viruses or defects. Any liability of Lica resulting from access to the website or its use is excluded within the limits provided by law.

Hypertext links

Lica has not checked the websites of third parties to which its own website may refer via a hypertext link and therefore declines all responsibility for the content thereof. Establishing connections to third party websites is at your own risk.

Modification of these Terms of Use possible at any time

Lica 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. They disclaim all express or implied liability for the translations, including any warranties of accuracy and reliability, as well as any implied warranties of merchantability, fitness for a particular purpose, and conformity.

The website has been translated for informational purposes using translation software provided by TranslatePress 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 users of the Website and are provided "as is". No warranty of any kind, express or implied, is made as to the accuracy, reliability or accuracy 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 accurately.

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

Place of jurisdiction and applicable law

The competent court to rule on any dispute resulting from or related to the use of the website is located at the domicile of the headquarters of the company Lica Crédit Sàrl. It nevertheless reserves the right to bring the dispute before any other jurisdiction on which you would normally depend. These Terms of Use are governed exclusively by Swiss law.

Lica Crédit Sàrl
Av. Général-Guisan 30b
CH - 1800 Vevey
+41 21 552 05 09

Based on 99 reviews
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Dave Martins
Dave Martins
15:51 03 Tue 23
Mrs. Garcia, with whom I had contact from start to finish, was great, attentive and very professional, it should be noted because in this area it is very rare. I got my fat credit fast from them. I can only recommend
Rachel Pittet
Rachel Pittet
12:33 02 Tue 23
Very satisfied, a good solution has been found. Thank you very much for your work
Rui P.Santos
Rui P.Santos
14:08 31 Jan 23
Excellent service, very good customer support all along the way. A real pleasure to have found them. Mara did everything to help me find a solution. Thank you
See All Reviews

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