Privacy Policy
Last updated: March 2026
Protecting your personal data is very important to us. In this privacy policy, we inform you about which data we collect, how we use it, and what rights you have. The Swiss Data Protection Act (DSG) and, where applicable, the EU General Data Protection Regulation (GDPR) apply.
1. Responsible Entity
123CREDIT GmbH Blumenau 6 8184 Bachenbülach Switzerland Email: datenschutz@123credit.ch Phone: +41 76 460 2 123
2. Collection and Processing of Personal Data
We collect personal data when you visit our website, fill out a contact form, or submit a credit application. This includes in particular: • First name, last name, date of birth • Address, phone number, email address • Nationality and residence permit • Employer and income information • Financial data (income, expenses, existing loans) • Uploaded documents (pay slips, debt register extract, ID) • Technical data (IP address, browser type, access times)
3. Purpose of Data Processing
Your data is used exclusively for the following purposes: • Processing and reviewing your credit application • Forwarding to credit partners for offer preparation • Communication in connection with your application • Fulfillment of legal retention and reporting obligations • Improvement of our services and website • Statistical evaluations in anonymized form
4. Legal Basis
The processing of your data is based on: • Your consent (Art. 6 para. 6 DSG / Art. 6 para. 1 lit. a GDPR) • Performance of pre-contractual measures or contract fulfillment (Art. 6 para. 1 lit. b GDPR) • Legal obligations, in particular under the Consumer Credit Act (KKG) and the Anti-Money Laundering Act (GwG) • Legitimate interests in the security and functionality of our website
5. Disclosure to Third Parties
We only share your data when necessary for the provision of our services or when legally required: • Credit partners and banks for reviewing and granting credit • IT service providers for hosting and maintenance of the website • Authorities, if a legal reporting obligation exists Transfer abroad only occurs when an adequate level of data protection is guaranteed or appropriate safeguards are in place.
6. Storage Duration
We store your data only as long as necessary for the respective purpose or as required by statutory retention periods. Credit applications and associated documents are retained for at least 10 years in accordance with the KKG and commercial law retention obligations. After expiry, data is securely deleted.
7. Cookies and Tracking
Our website uses technically necessary cookies to ensure the functionality of the site. We also use analytics cookies to understand and improve website usage. You can change your cookie settings at any time in your browser. Without technically necessary cookies, website functionality may be limited.
8. Your Rights
You have the following rights regarding your personal data at any time: • Access: You can request information about your stored data. • Rectification: You can request correction of inaccurate data. • Deletion: You can request deletion of your data, provided no legal retention obligation exists. • Restriction: You can request restriction of processing. • Data portability: You can receive your data in a common format. • Objection: You can object to the processing of your data. • Withdrawal of consent: You can withdraw consent at any time. To exercise your rights, please contact: datenschutz@123credit.ch
9. Changes to this Privacy Policy
We reserve the right to amend this privacy policy at any time to adapt it to changed legal requirements or changes in our services. The current version can be found on our website.
10. Contact for Data Protection Inquiries
For data protection questions, please contact: 123CREDIT GmbH Data Protection Officer Blumenau 6 8184 Bachenbülach Email: datenschutz@123credit.ch Phone: +41 76 460 2 123