CREDEMA® is committed to protecting the privacy of our users

This privacy policy explains when and how personal information is collected, used, disclosed and protected with respect to our web site located at www.CREDEMA®.ch (the “Site”). By using the Site, you consent to the privacy practices described in this Policy, as modified from time to time by us. Please carefully review this policy so you understand our data privacy practices.

  • We reserve the right to change this Policy at any time.
  • We may use personal information for new, unanticipated uses not previously disclosed in this privacy policy.
  • Our web site may contain links to other web sites.

1. General

CREDEMA® is committed to protecting the privacy of our users. This privacy policy explains when and how personal information is collected, used, disclosed and protected with respect to our web site located at www.CREDEMA®.ch (the “Site”). By using the Site, you consent to the privacy practices described in this Policy, as modified from time to time by us. Please carefully review this policy so you understand our data privacy practices.

2. Personal Information

Personal information is information that specifically identifies an individual such as a name, address, telephone number, e-mail address, or other account number, and information about that individual’s activities when directly linked to that person such as information about his or her use of the Site. Personal information also includes demographic information such as date of birth, gender, geographic area and preferences when such information is linked to other personal information that identifies you.

3. Personal Information We Collect

We collect personal information in several ways when you visit our web site. For example, we collect personal information when you: (1) fill out a form; and (2) contact us by e-mail or live chat for any reason (3) sign up for a newsletter. When you visit our web site, some information is also automatically collected, such as your computer’s Internet Protocol (IP) address, your computer’s operating system, the browser type, the address of a referring web site, and the time and date of your visit and purchases. We treat this information as personal information if we combine it with or link it to any of the identifying information mentioned above.

Live chat: CREDEMA provides you with online advice on in the form of a live chat service. Our employees see your details during a chat session on the website (collected via a cookie of this tool) that helps him/her to assist you.

4. How We Use Personal Information

We use personal information to process your requests and provide you with service or to inform you about other products or services we think will be of interest. When we use personal information in our marketing efforts, we provide you with options and do not disclose the information to third parties except as described in this Policy. Personal information provided online may be linked together or merged with other personal information so that we may better understand your needs and inform you about our products or services. We also use your personal information to send you informational e-mails, including without limitation newsletters, surveys, events, products and services, etc.

Newsletters: We will keep you informed about relevant products and offers from CREDEMA AG. If you no longer wish to receive such information from us, you can terminate this service at any time by using the designated opt-out option and thus revoke your consent. We process your data associated with the newsletter in order to send you news about and related to CREDEMA AG. In addition, we also process and use the e-mail address you have entered in order to send you personalised offers associated with the newsletter. If a link in the newsletter directs you to our websites, you also give us permission to process and use your IP address, together with geodata, web beacons or similar technologies, in order to verify whether the offers presented to you in the course of this communication meet your requirements.

Surveys: CREDEMA AG may ask you to take part in customer satisfaction surveys after the completion of a business activity. If you no longer wish to receive such requests or emails, you can unsubscribe from these free of charge at any time via the link provided in the corresponding email.

5. Emails

If you send emails through our site, your email will include your email address and any personal message you include. However, these emails are not private communications. You may not use the Site or any software provided through the Site to send spam or content that violates the user agreement.

6. Security

We have put into place reasonable security measures in an effort to protect personal information while it is under our control. All personal information relating to our users is stored in a secure environment separate from our web site. Your account information is accessible online only through the use of a password. To protect the confidentiality of personal information, you must keep your password confidential and not disclose it to any other person. You are responsible for all uses of our web site by any person using your password. Please advise us immediately if you believe your password has been misused.

We protect your personal data by means of appropriate technical and organisational security measures and store it solely on secure servers. The website is secured against loss, destruction and manipulation by means of customary measures in accordance with the state of the art and against access, modification or distribution by unauthorized persons. Especially sensitive data (e.g. access data for your profile account) is encrypted during transmission via the internet (SSL).

However, CREDEMA AG does not assume any guarantee for the security of your data. It is your responsibility to make an up-to-date back-up of the transferred data at all times and store it separately from the website. You are also responsible for creating a secure password for your customer account, keeping it safe and changing it on regular basis.

7. Control of Personal Information

CREDEMA AG gives the User the opportunity to opt-out of receiving communications from us, and to limit the use and disclosure of the User’s own Personal Information for purposes other than which it was originally collected or subsequently authorized. Every non-transactional email sent by our servers includes a link to manage preferences. Use that link to opt-out of any communications from that sender. You can also opt out by sending an email to with a reference to the email you received. CREDEMA does not sell, rent, or share Personal Information with third parties without User’s prior consent, except in the limited circumstances, such circumstances described in this Policy. CREDEMA AG acknowledges that EU individuals have the right to access the personal information that we maintain about them. An individual who seeks access, or who seeks to correct, amend, or delete inaccurate data, should direct his query to the contact information listed below. If requested to remove data, we will respond within a reasonable time frame.

CREDEMA AG may share Personal Information with third-party vendors who assist us in performing functions necessary to operate our business. These functions may include, but are not limited to, website hosting, credit card transaction processing, and data entry. We limit User Personal Information shared with our third-party vendors to that which we believe is necessary to carry out those functions. In addition, we may disclose Personal Information in the good faith belief that we are lawfully authorized to do so, or that doing so is reasonably necessary to comply with legal process or authorities, respond to any claims, or to protect the rights, property or personal safety of CREDEMA AG, its users, its employees or the public. We also may be required to disclose an individual’s personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements. Information about our Users, including Personal Information, may be disclosed or transferred as part of, or during negotiations of, any merger, sale of company assets or acquisition.

Notwithstanding any other provision, we may also engage a data provider who may collect web log data from contacts in CREDEMA AG accounts (including IP address and information about browser or operating system), or place or recognize a unique cookie on such contacts’ browsers to enable the delivery of customized content. These cookies contain no personally identifiable information. The cookies may reflect de-identified demographic or other data linked to data that our users have voluntarily submitted to us, e.g., email address, that we may use to interface with a data provider solely in hashed, non-human readable form. To opt-out of these data provider cookies, please go to

8. EU-US and Swiss-US Privacy Shield

CREDEMA AG complies with the EU-U.S. Privacy Shield Framework and the Swiss-U.S. Privacy Shield Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information transferred from the European Union and Switzerland to the United States, respectively. CREDEMA AG has certified to the Department of Commerce that it adheres to the Privacy Shield Principles. If there is any conflict between the terms in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification, please visit

In compliance with the US-EU and Swiss-US Privacy Shield Principles, CREDEMA AG commits to resolve complaints about your privacy and our collection or use of your personal information.

CREDEMA AG has further committed to refer unresolved privacy complaints under the EU-US and Swiss-US Privacy Shield Principles to an independent dispute resolution mechanism, the BBB EU PRIVACY SHIELD, operated by the Council of Better Business Bureaus. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit for more information and to file a complaint.

When a customer and CREDEMA AG have agreed by contract that transfers of personal information from the European Economic Area (“EEA”) or Switzerland will be transferred and processed pursuant to the Privacy Shield for the relevant services, when conducting those activities on behalf of its EEA/Swiss customers, CREDEMA AG holds and/or processes personal information provided by the EEA/Swiss customer at the direction of the customer. We will then be responsible for ensuring that third parties acting as agents on its behalf meet the same standards.

Please note that if your complaint is not resolved through these channels, under limited circumstances, a binding arbitration option may be available before a Privacy Shield Panel. CREDEMA AG is subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC).

9. Cookies, IP Addresses and URLs

Automatically Collected Information: We automatically receive certain types of information whenever you interact with us. For example, when you visit the Site, we automatically collect your IP address and the type of browser you use. Information may be automatically collected through the use of “cookies.” We also collect various types of “clickstream” information which is information about your browsing behavior, such as IP address information, entry and exit points for the Site, search terms, Web site addresses you visit, page views, and impressions.

Cookies: Cookies are small text files placed on your hard drive by a web site when you visit. These files identify your computer and record your preferences and other data about your visit so that when you return to the site, the site knows who you are and can personalize your visit. Most browsers automatically accept cookies as the default setting. You can modify the setting to reject cookies or to prompt you before accepting a cookie from the sites you visit by editing browser options. We may place or recognize a unique cookie on your browser to enable you to receive customized content or services. Any cookies made available to shopping carts or other tracking information sent to third parties will reflect only de-identified demographic or other data linked to data you have voluntarily submitted to us, will be encrypted, and will not be used to identify you individually. If you decide not to accept our cookies, you will still be able to access those parts of our site available to the general public but you may not be able to login or use the site’s features or services and you may have a less satisfactory experience.

10. Links to Other Web Sites

Our web site may contain links to other web sites. Any personal information you provide on the linked pages is provided directly to that third party and is subject to that third party’s privacy policy. Except as described above, we are not responsible for the content or privacy and security practices and policies of web sites to which we link. Links from our web site to third parties or to other sites are provided for your convenience. We encourage you to learn about their privacy and security practices and policies before providing them with personal information.

11. Policy Changes

We reserve the right to change this Policy at any time. We may use personal information for new, unanticipated uses not previously disclosed in this privacy policy. If our privacy practices change we will post the policy changes to our web site and notify you by indicating the date the privacy policy was last updated. We encourage you to check back at our web site periodically if you are concerned about how your information is used.