General conditions of use (T & Cs)

Last updated on Jan. 3, 2020

Important legal information

Please read these terms of use carefully (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 regarding Lica can be found on the page “Contact us“.

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 complies with these provisions as stated in its data protection declaration. Please read this data protection declaration carefully. The Internet is a global network, open and accessible to all. Lica does everything possible to protect your privacy and your data on the Internet. Therefore, 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 have sensitive data verified by e-mail or hyperlink. But, you hereby consent to Lica also contacting you at the email address you have registered on the website. These e-mails are unencrypted. Therefore, Lica cannot guarantee its confidentiality. For more information on data protection relating to Lica, please consult the page “”.

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 offers available on the website (non-exhaustive list) are distributed by the company Lica Crédit Sàrl. The Helevtia Income Protect insurance product is subject to the LCA and LSA. In this sense, Lica and its website apply the various provisions relating to insurance products.

Online payment

To process 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 saved 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.

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 the company Lica 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 Lica.

Disclaimer of warranty and liability for the use of the website

Lica 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 Lica that results from accessing or using the website is excluded to the extent provided by law.

Hypertext links

Lica has not checked 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

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. 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 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 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 resulting from or related to the use of the website is located at the domicile of the registered office 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 conditions of use are governed exclusively by Swiss law.

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

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