Privacy Policy of www.crowd4cash.ch

This Website collects some Personal Data from its Users.

We Work Hard to Protect Your Information

By visiting the Crowd4cash website (including sub-domains), users agree to the privacy policy of Crowd Solutions AG, Bellevueweg 42, 6300 Zug.

This privacy policy provides you with information about which data we collect on the Crowd4Cash website and how we process and use it.

Crowd Solutions AG is entitled to change this privacy policy at any time and to publish the current version on the platform. Users will be informed of the change in advance by email. We therefore process your data in accordance with the following privacy policy and the relevant statutory data protection regulations.

USAGE ANALYSIS

1. Data processing for usage analysis and marketing purposes

Google Analytics

Privacy policy for the use of Google Analytics This website uses Google Analytics, a web analysis service provided by Google Inc. ("Google"). Google Analytics uses "cookies", text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookies about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information to evaluate your use of the website, to compile reports on website activity for website operators, and to provide other services related to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the data on Google's behalf. Google will never associate your IP address with any other Google data. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Use of Google Remarketing

This website uses the remarketing function of Google Inc. The function is designed to present interest-based advertisements to website visitors within the Google advertising network. A so-called "cookie" is stored in the browser of the website visitor, which makes it possible to recognize the visitor when he or she visits websites that belong to the Google advertising network. On these pages, visitors can be presented with advertisements that relate to content that the visitor has previously viewed on websites that use the Google remarketing function.

According to Google, no personal data is collected during this process. If you do not want to use Google's remarketing function, you can generally deactivate it by making the appropriate settings at https://google.com/settings/ads. Alternatively, you can deactivate the use of cookies for interest-based advertising via the advertising network initiative by following the instructions at https://thenai.org/opt-out/.

Google Tag Manager

Google Tag Manager is a solution with which we can manage so-called website tags via an interface and thus integrate Google Analytics and other Google marketing services into our online offering. The Tag Manager itself, which implements the tags, does not process any personal data of users. With regard to the processing of users' personal data, reference is made to the following information on Google services. Usage guidelines: https://marketingplatform.google.com/about/analytics/tag-manager/use-policy/.

USE OF COOKIES

This website uses cookies. These are small text files that make it possible to store specific, user-related information on the user's device while he or she is using the website. Cookies make it possible, in particular, to determine the frequency of use and number of users of the pages, to analyze behavior during page usage, but also to make our offer more customer-friendly. Cookies remain stored beyond the end of a browser session and can be called up again when the page is visited again. If you do not want this, you should set your Internet browser so that it refuses to accept cookies.

Cookies can be blocked by deactivating them in the browser settings. Please note that in this case, not all functions of this website may be available.

SOCIAL MEDIA

2. Crowd4cash uses so-called social plugins as listed below:
Facebook

Crowd4Cash uses social plugins from the social network facebook.com, which is operated by Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA ("Facebook"). The plugins can be recognized by one of the Facebook logos (white "f" on a blue tile or a "thumbs up" sign) or are marked with the addition "Facebook Social Plugin". The list and appearance of the Facebook Social Plugins can be viewed here: https://developers.facebook.com/docs/plugins/page-plugin/.

When a user visits a website of this service that contains such a plugin, their browser establishes a direct connection to the Facebook servers. The content of the plugin is transmitted directly from Facebook to your browser, which then integrates it into the website. The provider therefore has no influence on the extent of the data that Facebook collects using this plugin and therefore informs users according to their level of knowledge:

By integrating the plug-ins, Facebook receives the information that a user has accessed the corresponding page of the service. If the user is logged in to Facebook, Facebook can assign the visit to their Facebook account. When users interact with the plug-ins, for example by clicking the Like button or leaving a comment, the corresponding information is sent directly from your browser to Facebook and stored there. If a user is not a member of Facebook, it is still possible that Facebook will find out and store their IP address. According to Facebook, only an anonymized IP address is stored in Germany.

The purpose and scope of data collection and the further processing and use of the data by Facebook as well as the related rights and setting options for protecting the privacy of users can be found in Facebook's privacy policy: https://www.facebook.com/privacy/policy.

If a user is a Facebook member and does not want Facebook to collect data about him or her via this service and link it to his or her member data stored on Facebook, he or she must log out of Facebook before visiting the website.

It is also possible to block Facebook social plugins with add-ons for your browser, for example with the "Facebook Blocker".

Instagram

Our pages include functions of the Instagram service. These functions are offered by Instagram Inc., 1601 Willow Road, Menlo Park, CA, 94025, USA. If you are logged into your Instagram account, you can link the content of our pages to your Instagram profile by clicking on the Instagram button. This allows Instagram to assign your visit to our pages to your user account. We would like to point out that as the provider of the pages, we have no knowledge of the content of the transmitted data or its use by Instagram.

For more information, see Instagram's privacy policy: https://privacycenter.instagram.com/policy

LinkedIn

This website uses functions of the LinkedIn network. The provider is LinkedIn Corporation, 2029 Stierlin Court, Mountain View, CA 94043, USA. Every time you access one of our pages that contains LinkedIn functions, a connection is established to LinkedIn servers. LinkedIn is informed that you have visited our website using your IP address. If you click on the LinkedIn "Recommend button" and are logged into your LinkedIn account, LinkedIn can assign your visit to our website to you and your user account. We would like to point out that as the provider of the pages, we have no knowledge of the content of the transmitted data or its use by LinkedIn.

For more information, please see LinkedIn's privacy policy at: https://www.linkedin.com/legal/privacy-policy

Twitter

This offer uses the buttons of the Twitter service. These buttons are offered by Twitter Inc., 795 Folsom St., Suite 600, San Francisco, CA 94107, USA. They can be recognized by terms such as "Twitter" or "Follow" combined with a stylized blue bird. Using the buttons it is possible to share a post or page of this offer on Twitter or to follow the provider on Twitter.

When a user visits a web page on this website that contains such a button, their browser establishes a direct connection to the Twitter servers. The content of the Twitter button is transmitted directly from Twitter to the user's browser. The provider therefore has no influence on the extent of the data that Twitter collects using this plugin and informs users according to their level of knowledge. According to this, only the user's IP address and the URL of the respective website are transmitted when the button is accessed, but are not used for any other purpose than displaying the button.

For more information, see Twitter's privacy policy at https://x.com/en/privacy.

NEWSLETTER

If you would like to receive the newsletter offered on this website, we require an email address from you as well as information that allows us to verify that you are the owner of the specified email address and that you agree to receive the newsletter. No further data is collected. We use this data exclusively to send the requested information and do not pass it on to third parties. You can revoke your consent to the storage of the data, the email address and their use for sending the newsletter at any time, for example via the "unsubscribe" link in the newsletter.

Newsletter - Mailchimp

The newsletter is sent using the shipping service provider 'MailChimp', a newsletter distribution platform of the US provider Rocket Science Group, LLC, 675 Ponce De Leon Ave NE #5000, Atlanta, GA 30308, USA. You can view the data protection regulations of the shipping service provider here. The Rocket Science Group LLC d/b/a MailChimp is certified under the PrivacyShield Agreement and thus offers a guarantee of compliance with European data protection standards (PrivacyShield). The shipping service provider is used on the basis of our legitimate interests in accordance with Art. 6 Para. 1 lit. f GDPR and a contract processing agreement in accordance with Art. 28 Para. 3 S. 1 GDPR.

The shipping service provider can use the recipients' data in pseudonymous form, i.e. without assignment to a user, to optimize or improve its own services, e.g. for the technical optimization of the sending and presentation of the newsletter or for statistical purposes. However, the shipping service provider does not use the data of our newsletter recipients to write to them directly or to pass the data on to third parties.

CONTACT FORM

If you send us inquiries via the contact form, your details from the inquiry form, including the contact details you provided there, will be stored by us for the purpose of processing the inquiry and in the event of follow-up questions. We will not pass on this data without your consent.

TECHNICAL DATA

3. Secure data transfer

When using Crowd4cash, your data is only transmitted in encrypted form via SSL format. We protect the data and the website against loss, destruction, access, modification or distribution by unauthorized persons using the latest technical measures.

4. Server log files

The provider of this website automatically collects and stores information in so-called server log files, which your browser automatically transmits to us. These are:

  • Browser type and browser version
  • operating system used
  • Referrer URL
  • Device type
  • Hostname of the accessing computer
  • Time of the server request

This data can be used as part of the credit check and can be assigned to individuals. We also reserve the right to use this data if we become aware of concrete evidence of illegal use.

5. Processing for advertising

By registering, you give us your consent to contact you with information of a promotional nature. We may use your email address, mobile number, telephone number and/or postal address for the purpose of communicating relevant information in connection with financing or investment opportunities in relation to loan projects on Crowd4cash (such as information on new loan projects, newsletters, etc.). Under no circumstances will we pass on your data to third parties for promotional use.

You can withdraw your consent regarding the advertising You can restrict or completely revoke the use of your data at any time by sending an email to [email protected].

BORROWERS; LOAN PROJECTS

6. Data collected regarding borrowers

When you register as a borrower on Crowd4cash, we collect the following personal data and store it in your user profile:

Private individuals

Gender (salutation), title, first name, last name, address, date of birth, employer details, number of children, telephone number(s), your email address, the IP address of the device you use and a password of your choice (in encrypted form) for registration on Crowd4cash.

Company

Regarding the borrower: company, legal form, company website (optional), address, email address, telephone number(s), number of employees, date of establishment, branch of industry, and bank details (account holder and IBAN);

Regarding the borrower's authorized signatory(s): first name, last name, date of birth, place/country of birth, nationality, function in the company, address, email address and telephone number(s),

In connection with the borrower's user account: the IP address from which registration and further access takes place, the password (in encrypted form) for authenticating the borrower on Crowd4cash.

We process and use your borrower data to the extent that this is necessary for the proper fulfillment of our contract for the use of Crowd4cash.

7. Loan project data

If you, as a borrower on Crowd4cash, want to activate a loan project for business purposes or obtain non-binding information about possible loan amounts and financing conditions, we generally collect the following data:

  • Title of the loan project, desired amount, desired loan term, purpose of the loan, extract from the debt collection register
  • Information on current loans, liabilities and long-term payment obligations of the borrower (if any)

Additionally for private individuals

  • Income, financial obligations, documents such as rental agreement/mortgage agreement, health insurance policy

Additionally for companies

  • Annual financial statements for the last 2 reporting periods, auditor's report (if available), bank statements if applicable.
8. Obtaining information about the borrower from credit agencies

Before activating the loan project and, if applicable, before providing non-binding information on possible loan amounts and financing conditions, we obtain information about the borrower from one or more of the following credit agencies, in particular about creditworthiness and the existence of negative characteristics in companies, in addition to the shareholding structure and business figures. In doing so, payment experience, in particular about undisputed claims and claims that have not been paid after they have become due, as well as, if applicable, debt collection information and address data can be transmitted:

  • CRIF AG, Hagenholzstrasse 81, CH-8050 Zurich
  • Bisnode D&B Schweiz AG, Grossmattstrasse 9,8902 Urdorf
  • Intrium AG, Eschenstrasse 12, 8603 Schwerzenbach
  • Central Office for Credit Information (ZEK), PO Box 1108, 8048 Zurich
  • Information Center for Consumer Credit (IKO), PO Box, 8048 Zurich

The creditworthiness is determined and presented by the requested credit agencies using address data. Negative characteristics are characteristics that indicate, for example, an ongoing debt collection, bankruptcy or probate procedure or an above-average risk of default.

As a borrower, you agree that Crowd Solutions AG may obtain credit information about you from CRIF AG, Hagenholzstrasse 81, 8050 Zurich, and/or Intrium AG, Eschenstrasse 12, 8603 Schwerzenbach, the Central Office for Credit Information (ZEK), P.O. Box 1108, 8048 Zurich and/or the Information Office for Consumer Credit (IKO), P.O. Box, 8048 Zurich and may transmit the borrower's data to these credit agencies. In addition, you agree that Crowd Solutions AG may also obtain additional debt collection information about the borrower.

9. Processing of data

Personal data is all information relating to an identified or identifiable person. A data subject is a person about whom personal data is processed. Processing includes any handling of personal data, regardless of the means and procedures used, in particular the storage, disclosure, acquisition, deletion, storage, modification, destruction and use of personal data.

We process personal data in accordance with Swiss data protection law. Furthermore, we process personal data - to the extent and insofar as the EU GDPR is applicable - in accordance with the following legal bases in connection with Art. 6 Para. 1 GDPR:

lit. a) Processing of personal data with the consent of the data subject.

lit. b) Processing of personal data to fulfill a contract with the data subject and to carry out corresponding pre-contractual measures.

lit. c) Processing of personal data to fulfill a legal obligation to which we are subject under applicable EU law or under applicable law of a country in which the GDPR is fully or partially applicable.

lit. d) Processing of personal data to protect the vital interests of the data subject or of another natural person.

lit. f) Processing of personal data in order to protect the legitimate interests of us or third parties, unless the fundamental freedoms and fundamental rights and interests of the data subject prevail. Legitimate interests include in particular our commercial interest in being able to provide our website, information security, the enforcement of our own legal claims and compliance with Swiss law.

We process personal data for the period necessary for the respective purpose or purposes. In the case of longer retention periods due to legal and other obligations to which we are subject, we restrict processing accordingly.

Crowd Solutions AG will include the loan project data together with the information from the credit agencies in a preliminary check to determine whether the borrower can be activated on the platform. As part of the preliminary check, we will process and use the data collected. This check will allow us to calculate the borrower's probability of default and a risk-weighted interest rate that will be used as a basis if the loan project is activated.

After financing the loan project, we process and use your data to generate the necessary contract documents for concluding a loan and, if applicable, the guarantee contracts and make them available to you for download on Crowd4cash. If necessary, we will contact you using your data to request any additional information required for the steps following the financing.

10. Disclosure of data to credit agencies

For loans that are subject to the KKG (Federal Law on Consumer Credit), we are legally obliged to provide data to the Information Office for Consumer Credit (IKO) about the application, any rejection, the acceptance (in each case the borrower and the loan amount as well as the term and start of the installments) and the agreed processing. In addition, data about obligations and any changes in creditworthiness must be provided to the Central Office for Credit Information (ZEK).

We also transmit to the IKO/ZEK data on outstanding claims arising from a loan agreement against a borrower if the borrower has not rendered the service owed despite it being due, and

  • the borrower has been reminded in writing at least twice after the claim has become due, the debt collection proceedings have been initiated and the borrower has not contested the claim or the outstanding claims amount to at least 10 percent of the net amount of the loan or
  • the contractual relationship underlying the claim was terminated without notice due to payment arrears
11. Disclosure of data to insurance companies within the framework of credit insurance (only for private individuals)

You as the borrower agree that Crowd Solutions AG may disclose and/or make available to third parties who are called in to carry out activities within the framework of the mandatory and optional insurance all information and personal data that are necessary for the processing of the insurance. In particular, you agree that third parties called in may be informed that you are a customer of Crowd Solutions AG. In this context, you release Crowd Solutions AG from any responsibility in connection with the transfer of data. At the same time, you release your doctors, official bodies and other insurers from the applicable duty of confidentiality and secrecy towards Crowd Solutions AG, the insurer and the third party commissioned by the insurer to process the claims. The acquisition and processing of the personal data collected from you as an insured borrower is carried out in compliance with the Federal Data Protection Act (DSG). The data is collected, processed, stored and deleted physically and/or electronically in accordance with the statutory provisions. It is protected against unauthorized access and modification.

12. Processing of data in the context of granting the guarantee

If it becomes apparent during the loan application process or during the credit check that we can only launch the loan project if one or more guarantees are provided, we will transmit your data, provided that you as the borrower have declared your general willingness to provide a guarantee for a loan during the registration process, and obtain information from one or more credit agencies about the creditworthiness of the guarantor and the existence of negative characteristics. We can also request that the guarantor provides us with current extracts from the debt collection register.

If you, as another third party, have also agreed in principle to conclude a guarantee agreement so that we can provide a loan for a requested loan project, we will collect and store the following data:

  • If it is a legal entity or partnership: company name, legal form, address, if applicable, company identification number (UID) as well as gender (salutation), title, first name, last name, date of birth and address of the authorized representative
  • If it is a natural person: name, first name, address, date of birth and nationality

We process and use this data for the purposes of the guarantee contract and in particular to contact you.

As a borrower or guarantor, you agree that we may obtain credit information about you from

  • CRIF AG, Hagenholzstrasse 81, 8050 Zurich;
  • Bisnode D&B Schweiz AG, Grossmattstrasse 9, 8902 Urdorf;
  • Intrium AG, Eschenstrasse 12, 8603 Schwerzenbach;
  • Central Office for Credit Information (ZEK), PO Box 1108, 8048 Zurich;
  • Information Center for Consumer Credit (IKO), PO Box, 8048 Zurich,

and transmit your data to these credit agencies. In addition, you agree that we may also obtain debt collection information about you.

13. Disclosure of data on Crowd4cash

If you activate the loan project, the following data will be displayed on Crowd4cash for visitors to the platform to view:

Private individuals

  • Age, occupation, number of children, living situation, nationality, income, free funds, debt collection, rating, guarantees and whether insurance has been taken out
  • Loan amount, loan term, monthly loan installment, interest rate, purpose of the loan, and remaining financing period

Company

  • Legal form, industry, year of establishment, number of employees, any guarantees, credit score, rating, location of company headquarters
  • Title of the loan project, loan amount, loan term, monthly loan installment, interest rate, purpose of the loan, details of the financing ratio, result of the completed questionnaire and remaining financing period
  • Description of the loan project, financial indicators (relevant business indicators of the company and financial ratios)

For companies, the company and other information about the borrower are also displayed to logged-in investors on Crowd4cash.

INVESTORS

14. Data collected concerning investors

The following data is collected from the investor:

Gender (salutation), title, first name, last name, address, telephone number(s), your email address, your bank details (account holder and IBAN), the IP address of the device you use and a password of your choice (in encrypted form) for registration on Crowd4cash

GENERAL PROVISIONS

15th Treaty

The purchase of (or part of) a future credit claim from us against the borrower by the investor and the assignment based on the claim purchase agreement generally takes place without disclosing the investor's name or other personal data.

16. Disclosure of data to insurance companies when making an offer and taking out insurance for non-credit insurance companies

If you, as a borrower, agree to receive insurance offers, you agree that Crowd Solutions AG may disclose and/or make available to third parties who are called in to carry out activities related to premium calculation or other related activities, all information and personal data that are necessary for the offer, conclusion and processing of the insurance. In particular, you agree that third parties called in may be informed that you are a customer of Crowd Solutions AG. In this context, you release Crowd Solutions AG from any responsibility in connection with the transfer of data. The acquisition and processing of the personal data collected from you as an insured borrower is carried out in compliance with the Federal Data Protection Act (DSG). The data is collected, processed, stored and deleted physically and/or electronically in accordance with the statutory provisions. It is protected against unauthorized access and modification.

17. Announcement to cooperation partners

We cooperate with various banks and credit brokers at home and abroad and are planning such cooperations for the future. We can pass on data to cooperation partners as part of the financing.

In the event that the financing of a loan project does not materialize or the project cannot be financed by Crowd4Cash (negative credit check or similar), with the consent of the borrower, we can forward the documents for the loan project to our cooperation partners, who will then check whether they can finance the loan project or arrange financing for it. The borrower is always informed of the transfer and tacit consent is assumed accordingly, unless approval is refused immediately after the request or if further documents are submitted. Our cooperation partners will save the data received and process and use it as part of their check to see whether they can finance the loan project and arrange financing for it. The processing of the data by the cooperation partners is carried out in accordance with the respective data protection guidelines of the cooperation partners.

As a borrower, you agree that we may, after your consent (including tacit consent), send data about you to the following companies:

  • Handeys GmbH, Bahnhofplatz 1, 5400 Baden
  • faircredit.ch GmbH, Hauptstrasse 65, 9400 Rorschach
18. Copyrights

The copyright and all other rights to content, images, photos or other files on the website belong exclusively to the operator of this website or the specifically named rights holders. For the reproduction of all files, the written consent of the copyright holder must be obtained in advance.

Anyone who commits a copyright infringement without the consent of the respective rights holder may be liable to prosecution and may be liable for damages.

19. General Disclaimer

All information on our website has been carefully checked. We make every effort to ensure that our information is up-to-date, correct and complete. Nevertheless, the occurrence of errors cannot be completely ruled out, which means that we cannot guarantee that information, including information of a journalistic or editorial nature, is complete, correct and up-to-date. Liability claims for damages of a material or immaterial nature caused by the use of the information provided are excluded unless there is evidence of intentional or grossly negligent fault.

The publisher may change or delete texts at its own discretion and without notice and is not obliged to update the content of this website. Use of or access to this website is at the visitor's own risk. The publisher, its clients or partners are not responsible for damages such as direct, indirect, incidental, specifically determined in advance or consequential damages allegedly caused by visiting this website and therefore assume no liability for this.

The publisher also assumes no responsibility or liability for the content and availability of third-party websites that can be accessed via external links on this website. The operators of the linked pages are solely responsible for their content. The publisher therefore expressly distances itself from all third-party content that may be relevant under criminal or liability law or that violates common decency.

20. Data processing on behalf of and transmission abroad

We may also outsource the data processing set out in this privacy policy in whole or in part to companies affiliated with us in Germany or abroad or to contractors outside of Crowd Solutions AG in Germany or abroad.

21. Deletion, information and correction

The data will be deleted if your user account opened with registration is deleted, unless there are statutory retention periods or statutory permissions for further storage.

Upon request, we will provide you with information about the data stored about you and the purpose of the storage free of charge. We always endeavor to ensure that your data is correct and up-to-date. However, if incorrect information has been stored, please let us know by email at [email protected] so that we can correct it immediately.

22. Amendments

We may amend this privacy policy at any time without prior notice. The most recent version published on our website applies. If the privacy policy is part of an agreement with you, we will inform you of the change by email or in another appropriate manner in the event of an update.

DATA PROTECTION OFFICER CROWD4CASH

The responsible body within the meaning of data protection laws, in particular the EU General Data Protection Regulation (GDPR) and the Data Protection Act (DSG), is:

Crowd Solutions AG
Lic. Yur. Roger Bossard
Bellevueweg 42
6300 Zug