Terms of Use

1. Scope and Acceptance

These Terms of Use govern access to and use of the website asfinanz.ch and all related landing pages, forms, apps, and digital services (together the "Platform") of AS Finanz GmbH, Badenerstrasse 676, CH-8048 Zürich, Switzerland ("we", "us").

By accessing the Platform, submitting a form, or registering, you confirm that you have read, understood, and accepted these Terms of Use as well as our Privacy Policy.

2. Our Services

We operate a digital brokerage platform. We connect customers with licensed providers of financial products and services, in particular banks and credit institutions for personal loans, as well as with other partners whose offers are directly or indirectly related to credit products.

We ourselves are neither a bank nor a lender. We do not grant loans, do not maintain accounts, and are not subject to the Swiss Banking Act. The conclusion of a loan or other contract takes place exclusively between you and the respective provider and is subject to that provider's terms and the applicable laws, in particular the Federal Act on Consumer Credit (KKG).

No offer, no advice: The information on the Platform (incl. calculators, benchmark figures, and comparisons) does not constitute an offer or financial, legal, or tax advice. There is no entitlement to successful brokerage or to the conclusion of a contract.

3. Intended Audience

The Platform is intended for adult, legally competent natural persons resident in Switzerland, as well as cross-border commuters whose place of work is in Switzerland. The information is not intended for persons whose country of residence prohibits access to such content.

4. Your Obligations

You agree to:

• provide all information (in particular regarding identity, income, expenses, and existing obligations) completely and truthfully, and to notify us of any changes without delay;
• submit documents only about yourself, or with the consent of any third parties concerned (e.g. spouse or domestic partner);
• not misuse the Platform (no automated scraping, no manipulation, no circumvention of security measures).

False or incomplete information may result in the rejection of the application and may have criminal consequences.

5. Loan Application: Power of Attorney, Authorizations, Waivers, and Acknowledgments (DISCLAIMER)

a) Data transmission already upon completion of the form: By filling in the fields under "Personal Information," your contact information is transmitted to AS Finanz GmbH. You authorize us to use this data for processing and marketing purposes and to contact you where applicable, even if you do not complete all steps of the loan application.

b) Power of attorney for brokerage and forwarding to financing institutions: You authorize us to process your request together with the data you have provided and the documents you have submitted, to obtain offers, to coordinate the process, and to communicate with the providers on your behalf. You acknowledge that AS Finanz GmbH (hereinafter: "Broker") forwards your application for review – directly or indirectly as a sub-broker – to Cembra Money Bank AG, BANK-now AG, Cornèr Banca SA, and other financial institutions or other providers (each individually hereinafter the "Financing Institution") via the internet, by e-mail, or by post.

c) Application review and credit information data: You confirm the completeness, currency, and accuracy of all information provided in the application and authorize the Financing Institution, in connection with the review of the application and the handling of the contractual relationship, to obtain information about you from third parties, in particular from banks, the Central Office for Credit Information (ZEK), authorities (e.g. debt collection, land registry, and tax offices, residents' registration offices, child and adult protection authorities), business information agencies, credit brokers, employers, group companies of the Financing Institution, and, where applicable, the Consumer Credit Information Office (IKO). For the purposes stated above, you release these bodies from bank client, postal, official, and business confidentiality obligations, as applicable.

You acknowledge that the Financing Institution may be obliged to report consumer leasing or a consumer credit to be granted or already granted to the IKO. You further authorize the Financing Institution to report the requested transaction to the ZEK and, where required by applicable law, to report it to other bodies as well. The information reported includes in particular the type, amount, and terms of the credit or financing, as well as the personal details of the applicant(s) and, where applicable, any qualified payment arrears or instances of misuse. You acknowledge the right of the ZEK to provide its members with information about the reported data. The Financing Institution may reject the application without giving reasons.

d) Cooperation between the Financing Institution and the Broker: You acknowledge that, for applications it receives from the Broker, the Financing Institution may exchange with the Broker the information necessary in connection with the application and creditworthiness review as well as the conclusion and handling of the contract (e.g. parameters and result of the application review, delivery of contract documents, information on contract status and payment behavior, and balance). To this extent, and insofar as necessary, you release the Financing Institution from bank client confidentiality. This includes in particular informing the Broker of the conclusion of the contract and the disbursement of the loan, among other things for the purpose of settling the brokerage commission (Section 8). The Broker may communicate with you about the status of your application and contract via the agreed communication channels (Section 6). The Broker itself is not subject to bank client confidentiality; it processes your data in accordance with its Privacy Policy and the Swiss Federal Act on Data Protection (FADP).

e) Information about partners: If you have provided information in the application about your spouse or your registered partner ("Partner"), you confirm that (i) you have informed your Partner about this application, (ii) the Financing Institution may verify the information provided by making direct inquiries to your Partner, and (iii) your Partner agrees that the Financing Institution may obtain information about them as described above (including making informational inquiries with the ZEK).

f) Data processing by the Financing Institution: You acknowledge that the Financing Institution may process your data to review your application and for risk assessment and marketing purposes (data analysis and profiling). In addition, other products and services, including those of group companies of the Financing Institution and other third parties, may be offered to you by post or telephone. You may object to this data processing for marketing purposes at any time. By providing your e-mail address, you further agree that the Financing Institution may also send you the aforementioned offers by e-mail. In connection with open communication by e-mail, you expressly accept the risk that your data may be intercepted or disclosed by third parties during transmission, or that unauthorized third parties may draw conclusions about a contractual relationship between the Financing Institution and you, and that, to that extent, confidentiality protection or bank client confidentiality cannot be guaranteed. You may revoke your consent to the electronic delivery of promotional materials at any time.

g) Cooperation between the Financing Institution and service providers (outsourcing): You acknowledge that the Financing Institution may outsource services to third parties ("Service Providers"), in particular in the areas of business process handling, IT security and systems management, 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, customer communication). The Financing Institution provides these Service Providers with the data necessary to fulfill its contractual obligations and may transfer this data abroad for that purpose. Service Providers, their employees, and subcontractors are contractually bound by the Financing Institution to confidentiality. Service Providers are generally located in Switzerland or the EU/EEA area but may in principle be based anywhere in the world. If personal data is transferred to a country that, from a Swiss perspective, does not have an adequate level of data protection, the Financing Institution ensures adequate data protection through appropriate safeguards, such as the agreement of standard contractual clauses.

h) Electronic communication: You acknowledge that communication between the Financing Institution and you or the Broker may take place via electronic channels. The Broker and the Financing Institution cannot guarantee the confidentiality of data transmitted over the internet. Third parties may therefore be able to draw conclusions about an existing or forthcoming business relationship (possibly a banking relationship) between you and the Financing Institution.

i) Privacy Policy of the Financing Institution: Further information on the processing of personal data by the Financing Institution can be found in the privacy policy on the respective Financing Institution's website.

You may revoke any consents given at any time with effect for the future; data transmissions already made remain unaffected.

6. Communication

We communicate with you via the channels you have provided, in particular telephone, e-mail, SMS, and messenger services such as WhatsApp (WhatsApp Business). You acknowledge that electronic communication channels (e-mail, messenger) are not fully secure and that data may be routed via servers abroad (including the USA). If you do not wish to use a particular channel, please let us know at any time; we will then use an alternative channel.

Telephone calls may be recorded for quality assurance, training, and evidentiary purposes; you will be notified of this at the start of the call.

7. Use of Artificial Intelligence

We use AI-supported systems, for example for the preliminary review and categorization of inquiries, the analysis of submitted documents, the enrichment and quality assurance of data, and in customer communication (e.g. chat assistants, drafting of responses). Details, the providers used, and your rights can be found in our Privacy Policy. Decisions with legal or significant effects (e.g. the credit decision) are not made by us; the credit decision in every case rests with the respective Financing Institution (Section 5).

8. Costs

Use of the Platform is free of charge for you. In the event of success, we are compensated by the providers (brokerage commission).

9. Intellectual Property Rights

All content on the Platform (text, images, logos, software, design) is protected by copyright and trademark law. Any use, reproduction, or redistribution beyond mere browsing for public or commercial purposes requires our prior written consent.

10. Availability and Liability

We strive for a high level of availability of the Platform but provide no guarantee in this regard. We may modify, interrupt, or discontinue the Platform at any time.

To the extent permitted by law, we exclude all liability for damages arising from the use or unavailability of the Platform, from the transmission of data over the internet, and from acts or omissions of the brokered providers. Liability for unlawful intent and gross negligence remains reserved.

11. Links to Third-Party Websites

Links to third-party websites are provided for your information only. We have not reviewed their content and assume no responsibility for it.

12. Changes

We may amend these Terms of Use at any time. The version published on the Platform at any given time shall govern.

13. Applicable Law and Jurisdiction

These Terms of Use are governed exclusively by Swiss law, to the exclusion of its conflict-of-laws provisions. The exclusive place of jurisdiction is Zürich, subject to mandatory statutory places of jurisdiction (in particular for consumers).