Last update: July 1, 2015
The Terms and Conditions of Use can be amended at any time. Any amendment will be published here and becomes effective upon publication. Please ensure that you regularly read the current version. You will find a reference to the last update date at the beginning of this document.
User access and the use of this Website and its Content as well as the Terms and Conditions of Use are subject to substantive Swiss law. The courts of Horgen (Switzerland) shall have exclusive jurisdiction and venue, subject to mandatory provisions with different content.
The information on this Website and in its Content is not intended for dissemination to or use by natural persons or legal entities that are nationals of a country or have their residence or domicile in a country in which the dissemination, publication, provision, or use of this information would violate applicable law or in which we would be subject to registration or licensing requirements.
The information on this Website may refer to products and services by a person or corporation that is not active in the country where you reside. The guidelines for the protection of private customers that apply in your country may therefore not be binding in connection with these products and services.
This Website and its Content do not represent any offer or any invitation to acquire a charge card and/or credit card, to accept a loan or acquire a financial services product, to enter into a contract dealer contract (merchant contract), or any other legal transaction or any other transaction. Such products or services may in some circumstances be unsuitable for you or not available or not permitted in the country in which you reside. The fact that you access this Website or Content does not make you a contracting party with Swisscard AECS GmbH ("We" or "Us").
Although We make an effort to ensure the correctness of the information on this Website and of the Content when publishing it, neither We nor our contracting parties can provide you or other persons an express or implied assurance, guarantee, or warranty regarding the currency, correctness, accuracy, dependability, or completeness of the information or its suitability for a particular purpose.
We provide no express or implied assurance, guarantee, or warranty that the functions on this Website will not be interrupted or are error-free, that errors will be corrected, or that the Website or the infrastructure necessary for you is free of viruses or other harmful software (malware). Furthermore, We cannot ensure that information on this Website will not be falsified by technical faults or access by unauthorized third parties. Please contact Us if you have questions about the acquisition or use of your charge cards / credit cards or other products or services. Insofar as our partners introduce themselves or their offers on our site, We assume no responsibility for these representations, also not with regard to correctness, completeness, or the legality of these representations.
All information on the Website and in the Content may be modified or removed at any time and without notice. We are not obligated to remove information that is no longer current from the Website or from the Content or to label it as such.
Exclusion of Liability
We exclude any and all liability for damages and losses of all kinds, effective for Us and for our managing directors, employees, agents, and other vicarious agents, that arises from the use of or access to the Website and its Content or from links to third-party websites (or arising from the impossibility or failure to access or to use), regardless of the legal basis of any liability, subject to the reservation of intentional or grossly negligent damage caused by Us. We exclude liability for actions by our vicarious agents.
Specific links on this Website lead to third-party websites. Such links are only made available for information. We have not reviewed the websites linked to this Website and are not responsible for their content. The use of such links occurs at your own risk. We recommend that you read the policy of the individual website and review how these websites protect your own personal data and – if accessing from a company – personal data of this company.
We hereby notify you of the danger emanating from viruses or other harmful software (malware) or from hacking attacks. We recommend that you use antivirus software, a spam filter, and other software to protect your system (e.g., a firewall) and to keep them up-to-date. We reject any and all liability for manipulations of your IT system by unauthorized parties in connection with accessing our Website.
We will never ask you to disclose confidential information to Us without request (also not by email, telephone, fax, or text message (SMS)). If you receive such a request, it could be what is called a "phishing" attempt, that is, an attempt to obtain confidential data from you with fraudulent intent. Such requests often look deceptively authentic. Do not answer them, do not click any links contained in them, and do not open any attachments to such requests. If you have any doubt as to the authenticity of such a request, please call us.
Intellectual Property Rights
Swisscard AECS GmbH and other brand names on this Website (e.g., Credit Suisse, American Express, MasterCard, and Visa) are registered trademarks or service marks. Unless otherwise specified, the Website and all Content are protected by copyright. We reserve all rights (particularly copyrights and trademark rights) to the Website and to all Content and will exercise all legal opportunities to enforce these rights as necessary. The user receives no rights of any kind whatsoever to the use of images or other content or to brands or logos. Downloading, saving, copying, and printing individual pages and Content are only permitted for personal use. Such action does not transfer any rights to the software or the Website to you. If Content is reproduced in whole or in excerpts in electronic or written form, expressly naming Us as the source is required. In addition, our express consent must be obtained for any reproduction, further publication, or sale of Content.
Security of Data Transfers
Please note that data transmitted over a public network such as the Internet or an email service can be viewed by anyone. We cannot guarantee the confidentiality of messages or documents transmitted through such open networks. If you disclose person-related information over an open network, you should be aware of the fact that third parties can potentially access this information and consequently can collect and use the data without your consent. Cardholder data and means of identification (e.g., card number, card expiration, verification number [CVC/CVV], PIN) should therefore never be transmitted by email. Your data will be transmitted encrypted for specific services, but not the name of the sender and the receiver. Third parties can thus reach conclusions as to existing or future charge card / credit card relationships or other business relationships. Even if the sender and recipient reside in the same country, data transfer across such networks frequently also occurs without monitoring via third countries, i.e., including countries that may in some circumstances not offer the same level of data protection as that offered by your country of domicile.
Your data could be lost during transmission or could be intercepted by unauthorized third parties. We assume no responsibility for the security of your data during its transmission via the Internet and reject any and all liability for indirect and direct losses. We request that you use other means of communication if you consider this necessary or reasonable for reasons of security.
Protection, Processing, and Use of Person-Related Data
We automatically collect IP addresses and usage data when you visit this Website (please also note the reference to Google Analytics). This information helps Us to determine in aggregated form how visitors use the Website and how often and how long they visit individual pages. We only acquire and process personal data in non-anonymized form (e.g., name, address, email address, or telephone number) relating to you (or in case of companies, also to your company) when you have provided this information to Us (e.g., when you access password-protected areas of this Website or send us an email).
Person-related data are stored after their transmission to us on servers in Switzerland and in other European countries. Such data can only be accessed on a limited basis. We have implemented adequate technical and organizational measures so that only authorized persons have access to these servers and protect our technical environment according to recognized security standards.
Insofar as applicable law does not prohibit it, We can also use person-related data for marketing purposes.
One of the cookies that We use primarily serves the operation of portions of the Website and was already placed.
You can decide against using cookies (and this Website) at any time by deleting the cookies that were set by the Website. This is possible using the settings in your Internet browser and by deleting all cookies. However, not all parts of this Website will function without cookies.
We use the cookies that we store on our Websites for the following purposes:
Cookies from Third Parties and Partners
Services from Google
Google uses this information to evaluate the use of this Website, to compile reports about the Website activities, and to provide additional services for the Website operator related to the Website and Internet usage. Google can transmit this information to third parties insofar as this is required by law or insofar as third parties process such data on behalf of Google. Third-party providers, including Google, place advertisements on websites on the Internet and use stored cookies to place advertisements based on prior visits by a user to this Website.
You can prevent storage of cookies using a corresponding setting in your browser software. In addition, you can prevent the collection of the data generated by the cookie and related to your use of the Website (including your IP address) and the processing of this data by Google by installing the browser plug-in available at the following link (http://tools.google.com/dlpage/gaoptout?hl=en). Additional information on the Terms and Conditions of Use and data protection can be found at www.google.com/analytics/terms/gb.html or at https://support.google.com/analytics/answer/6004245?hl=en
This Website uses the online advertising program "Google Adwords" to improve the Website and its advertising activities and in that context, conversion tracking. The cookie for conversion tracking is set when a user clicks on an advertisement placed by Google. These cookies become invalid after 30 days and are not used for personal identification. If the user visits particular pages of this Website and the cookie has not yet expired, We and Google can detect that the user has clicked on the advertisement and was forwarded to this page. Each Google AdWords customer receives a different cookie. Therefore, cookies cannot be tracked across the websites of AdWords customers. The information obtained using the conversion cookie is used to prepare conversion statistics for AdWords customers that have decided for conversion tracking. The customers receive the total number of users that have clicked on their advertisement and were forwarded to a page provided with a conversion tracking tag. However, they do not receive any information that allows the user to be personally identified. If you do not wish to participate in tracking, you can deactivate the cookie for Google conversion tracking using your Internet browser under user settings. In this case, you will not be included in the conversion tracking statistics. Additional information on the Terms and Conditions of Use and on data protection can be found at www.google.de/intl/en/policies/privacy/ads
By using this Website, you indicate your consent to the processing of the data collected about you by Google in the manner described here and for the corresponding purpose.