Article 13 of the Swiss Constitution and the statutory data protection provisions of the Swiss Confederation (the Data Protection Act) state that each individual has the right to the protection of their personal privacy and against the misuse of their personal information. We adhere to these provisions. Personal information is handled in strict confidence and is neither sold to third parties nor distributed further.
In the course of identifying you / calculating your credit standing, we gather information from credit reference agencies based in other countries too. These details cannot be stored by CRIF AG, and it is therefore also not possible for us to disclose them.

To find out more, please make direct contact with the country relevant to you:
For information:
from Germany: CRIFBÜRGEL in 81373 Munich/Germany
from Austria: CRIF GmbH in 1150 Vienna/Austria
from Italy: CRIF Spa in 40131 Bologna/Italy

We make every effort to protect the databases as much as we can from external access, loss, misuse or falsification.

When our websites are accessed, the following details are stored in Log files: IP address, date, time, browser enquiry and generally transmitted information about the operating system / browser. These details about usage form the basis for statistical, anonymous evaluations so that we can recognise trends and use them to improve what we offer accordingly.

Data protection declaration for the use of Google Analytics

This website uses Google Analytics, a web analysis service provided by Google Inc. (“Google”). Google
Analytics uses “cookies”, which are text files that are stored on your computer and enable your usage of the website to be analysed. The information generated by the cookie about your use of this website is usually transmitted to a server belonging to Google in the USA and stored there. In the event that the IP-anonymising system on this website is activated, however, your IP address will be abbreviated in advance by Google within the member states of the European Union or in other signatory states to the Agreement on the European Economic Area.

Only in exceptional cases will the full IP address be transmitted to a server belonging to Google in the USA and abbreviated there. Google will use this information to evaluate your use of the website, to put reports together on the website activities for the website operator and to provide further services connected with the use of the website and the internet. Google may possibly also pass on this information to third parties, to the extent that this is required by law or that third parties process the information on behalf of Google. The IP addresses provided by your browser within the framework of Google Analytics will not be merged with other Google information.

You can use the appropriate setting in your browser software to prevent the installation of these cookies; however, please note that you may not then be able to use all the functions of this website to their full extent. By using this website, you declare your agreement to the processing by Google of the information created by you in the way and for the purpose described above.

 

Exclusion of liability

CRIF AG accepts no liability with regard to the correctness, accuracy, topicality, reliability or completeness of the content of the information.

Any liability claims against CRIF AG in relation to losses of a material or non-material form (whether arising from accessing or using/not using the published information, from misuse of the link or from technical faults) shall be excluded.

All quotations are non-binding. CRIF AG expressly reserves the right to modify, supplement, delete or temporarily or permanently cease publication of parts of the sites or the full range of services, without providing any specific prior notice.

 

Copyrights

The copyrights and all other rights relating to content, images, photographs or other files on the website are the exclusive property of CRIF AG or the specifically named owners of those rights. The written agreement of the copyright holders must be obtained in advance for the reproduction of any of the elements.

 

 

Liability for links

References and links to third-party websites lie outside our area of responsibility. We reject any liability for such websites. Any access to and use of such websites is at the user’s own risk.

 

Cookie Directive

Informations about the use of cookies

 

The owner of the data protection processing system, CRIF AG, based at Hagenholzstrasse 81, 8050 Zurich, deals here with the use of cookies on its own website; this is based upon European Directive
2009/136/EC (dated 19th December 2009), which was implemented in Art. 45c lit. b of the Swiss
Law on Telecommunications (FMG) on 1st April 2007. Please note that all other required information is included in the Data Protection Declaration that can be searched out via a link on the Home page of the website.

 

What are cookies?

 

A cookie is a small file that typically consists of letters and numbers that is downloaded onto a device when the user accesses particular websites. Once this has taken place, cookies are sent back to the original website at each subsequent visit. Cookies are useful in that they enable a website to recognise a user’s web browser or device again at a later stage.

Cookies have many purposes. For example, cookies mean that users don’t have to enter the required details every time they visit our website (“save login”).
Cookies also make it possible to match the websites to your requirement preferences (language, areas of interest, etc.) and give us the opportunity to analyse how well our websites might be working.

We use cookies that are both permanent and those that are restricted to that particular session. Permanent cookies are deleted after a certain length of time if you return to the website.
Cookies that are limited to a particular session (which are known as session cookies or temporary cookies) are deleted when you next close your browser.

If you don’t want CRIF AG to place cookies on your device, you can deny the use of cookies via your browser settings or options. In this event, you may not be able to (properly) use some of the areas of this CRIF AG website.

 

What kind of cookies does CRIF AG use?


This CRIF AG's site uses three types of cookies:

• Technical cookies: These cookies are used in order to carry out the transmission of a message via an electronic communication network, or if the cookie is absolutely necessary so that the provider of a service offered by the information business expressly required by the participant or user can make this service available. These cookies can be sub-divided as follows: navigation cookies or session cookies, which facilitate normal navigation and the use of the website. Analytical cookies are similar to the technical cookies and are used directly by the operator of the website to gather information in an aggregated form about the number of users and the way they use the website. Functional cookies make it possible for the user to navigate according to a series of selected criteria, in order to improve the service.

• Profiling cookies: These cookies are used to follow the user’s navigation through the network and to prepare a profile of the user’s tastes, habits and decisions.
These cookies can be used to transmit advertising messages that match the preferences already displayed by that user directly to the user’s terminal.

• Third-party cookies: Third-party cookies are cookies set by a website that isn’t the website currently being visited. While navigating on the intended website, users may also receive cookies sent by other websites or web servers (the so-called “third parties”) on their terminal; these may contain some elements (such as pictures, cards, sounds, special links to pages in other domains, etc.), that are present on the website currently being visited.

 

Links to third parties cookies 


The release and use of cookies from third-party websites is subject to data protection regulations. To guarantee greater transparency and convenience, we have summarised the web addresses of the various information memos and the modalities involved in the administration of the cookies below.
Type of cookies Target Source Link

 

Cookie Analytics


These cookies, and cache cookies, are set by Google Analytics and used to gather information about how visitors use the website, the number of visitors to the website, their pages of origin and which pages have been visited on our website. We use this information to compile reports and improve our website; as a result, we can, for example, recognise any faults recorded by users; we can also guarantee direct navigation, so that they can easily find what they are looking for. In general, these cookies stay on the visitor’s computer until they are deleted. Google Analytics:  http://www.google.com/policies

 

Advertising or profiling cookies


Cookies to display videos integrated by YouTube
YouTube https://www.google.com/intl/en/policies/technologies/cookies
How to deactivate, activate or delete cookies
The standard situation is that almost all web browsers are set to automatically accept those cookies that can be restricted or blocked by the browser settings.
If you do not want the websites to store any cookies on your computer, you can set the browser so that a message is received before any cookie is archived. Alternatively, you can set the browser so that it rejects all cookies, or just third-party cookies. You can also remove all the cookies that are already in the system. You should note, however, that the settings will need to be changed separately in every browser and computer you use. Blocking the cookies does not stop the display of advertisements. It just means that they will no longer be personalised in line with your own interests, and suggestions will be made more often. Every browser uses a different method to change the settings. If necessary, you can use the help function in the browser to define the correct setting.

We have provided a list of the most popular browsers below in case you need more information about managing cookies:

Internet Explorer™ https://www.verbraucher-sicher-online.de/anleitung/cookie-einstellungen-in-internet-explorer-7- und-8-vornehmen
Safari™ https://www.verbraucher-sicher-online.de/anleitung/cookies-verwalten-in-apple-safari
Chrome™ https://www.verbraucher-sicher-online.de/anleitung/cookies-verwalten-in-google-chrome
Firefox™ https://www.verbraucher-sicher-online.de/anleitung/cookies-verwalten-im-firefox-browser