approval

Please read the following terms of use and legal information carefully. By accessing this website (hereinafter "credisa website") of Credisa GmbH (hereinafter "credisa"), you declare that you have understood the following terms of use and agree to them.

addressee group

This credisa website is aimed exclusively at natural and legal persons as well as partnerships and corporations domiciled or based in Switzerland.

copyright

Unless otherwise stated, the entire content of the credisa website, such as copyright, trademark and other rights, belongs exclusively and comprehensively to Credisa GmbH

Online Loan Application Disclaimer

I confirm that I have answered all questions truthfully. I acknowledge and consent to Credisa GmbH forwarding my application to Cembra Money Bank AG, Bank Now AG or Cashgate AG (each individually hereinafter referred to as the "financing institute") via the internet, email or fax/post. I also certify the following:

Application review and credit report information:I confirm the correctness of all my information and authorize Credisa GmbH and the financing institute, in connection with the examination of this application and the processing of the contractual relationship, to obtain information about me from third parties, in particular banks, the central office for credit information (ZEK), authorities (e.g. debt enforcement and tax offices, population control, child and adult protection authorities), credit agencies, credit brokers, employers, group companies of the financing institute and, if necessary, the information center for consumer credit (IKO). For the above purposes, I release these positions from bank customer, postal, official or business secrets. I also authorize Credisa GmbH and the financing institute to inform the ZEK and, if applicable, the IKO of the requested transaction and to also report to other bodies in the event of corresponding legal obligations. The type of credit or financing, amount and modalities as well as the personal details of the applicant and any qualified payment arrears or abuses are reported. I acknowledge the right of the ZEK and the IKO to provide their members with information about the reported data. Credisa GmbH and the financing institute can reject the application without giving reasons. amount and modalities as well as the personal details of the applicant and any qualified payment arrears or abuses. I acknowledge the right of the ZEK and the IKO to provide their members with information about the reported data. Credisa GmbH and the financing institute can reject the application without giving reasons. amount and modalities as well as the personal details of the applicant and any qualified payment arrears or abuses. I acknowledge the right of the ZEK and the IKO to provide their members with information about the reported data. Credisa GmbH and the financing institute can reject the application without giving reasons.

Cooperation with intermediaries: Credisa GmbH and the financing institute can exchange the necessary information in connection with the application/creditworthiness check as well as the conclusion and processing of contracts with applications that it receives from an intermediary.

Partner Information: If I have provided information about my spouse or legal partner (“Partner”) in the application, I certify that (i) I have informed my partner of this application , (ii) Credisa GmbH and the financing institute may check the above information by asking my partner directly, and (iii) my partner agrees that Credisa GmbH and the financing institute may provide information relating to him as described above (including making informational inquiries to the ZEK) may obtain.

Data processing: I authorize Credisa GmbH and the financing institute to process and evaluate my data for risk management and marketing purposes and to create profiles. I authorize the financing institute to offer me other products and services, also from group companies of the financing institute. I can revoke this authorization to process data for marketing purposes or to send information at any time.

Cooperation with service providers (outsourcing):Credisa GmbH and the financing institute can outsource services to third parties ("service providers"), in particular in the area of ​​handling business processes, IT security and system control, market research and processing, the calculation of business-relevant credit and market risks and the administration of contractual relationships (e.g Application and contract processing, debt collection, communication with customers). Credisa GmbH and the financing institute provide these service providers with the data required to fulfill the contractual obligations and can also forward this data abroad for this purpose. Service providers, their employees and subcontractors are contractually bound to comply with data protection in accordance with the requirements of the Swiss Data Protection Act, to maintain bank client confidentiality in accordance with the Swiss Banking Act and to maintain confidentiality. In this context, I acknowledge that my data may be forwarded to service providers in countries that may not have the same level of data protection as Switzerland. I confirm that I agree to the use of electronic communication between Credisa GmbH, the financial institution and myself or the intermediary. I also accept the transmission of data via the Internet and I am aware that the Internet is an open network that is accessible to everyone. Accordingly, Credisa GmbH and the financing institute cannot guarantee the confidentiality of data transmitted over the Internet. Conclusions of third parties on a between me,

Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG).