Privacy Policy

1. Our Online Privacy Policy
We at Alotech AG (“Alotech AG”, “we”, “our” or “us”) respect the confidentiality of your data and are committed to your right to lawful processing and protection of your personal data. Our Privacy Policy is intended to clearly explain to you how we use your personal information or other information we may collect from you.

You can rest assured that we protect the information we collect. By using our websites, products or services, you agree to our collection, use and disclosure of your information in accordance with this Privacy Policy.

Please visit https://alotechag.ch/ for more information about us. ​

The data protection declaration is regularly checked and updated. We last changed our privacy policy on February 28, 2018. Further information can be found in our archive.

2. Why do we collect your data?
We use the information we collect from you to provide you with services and to improve our products and services; to help you and send you notifications, offers and promotions; to protect our rights and interests and those of third parties and to comply with the requirements of applicable laws.

We use your information to:

• Process your applications and provide you with services;

• Confirm your identity (this may include using facial recognition, voice, fingerprint or other biometric technologies and online identification systems);

• carry out credit checks to assess your solvency in order to be able to offer you appropriate services before entering into a contractual relationship;

• Detect, prevent and avoid fraud, money laundering, terrorist financing and other criminal activities;

• comply with our legal obligations arising, for example, from terrorism law, accounting laws, etc.;

• Contact you, including to inform you about changes to us, our services or our contractual relationship;

• refund all amounts due;

• manage the various services we offer,

• Providing and improving the quality of services;

• manage and improve our websites, maintain their security and ensure that content is displayed on your device as effectively as possible;

• develop and offer new services;

• for statistical and market research activities to measure or identify the performance of the advertisements we serve and to deliver relevant advertisements to you;

• we promote (on websites and by mobile, post, email, telephone or SMS) the products and services of our company, other companies in our group and third parties, including personalizing and tailoring our offers to your personal preferences;

• Analyzing, updating and applying new technologies relating to your identification, risk assessment and creditworthiness, fraud prevention, money laundering or terrorist financing; and

• any other legitimate use relevant to our relationship with you. ​

In any case, we collect your personal data in a legitimate and justified manner within the applicable legal framework, namely: ​

In any case, we collect your personal data in a legitimate and justified manner within the applicable legal framework, namely:...

• where applicable, based on your consent – your consent may be obtained in advance before your personal data is processed; or

• to carry out our obligations under applicable regulations; or

• to protect our legitimate interests, unless your interests and rights take precedence over our interests.

3. How long do we keep your data?
We may retain your personal information for a period of time after you cease to be a customer to protect our legitimate interests in the event of a dispute or as required by law. We will normally retain your personal data within the time frame required, taking into account the purposes for which it was collected; primarily to carry out our contractual relationships with you, to protect our legitimate interests or to comply with legally required retention periods.

4. What rights do you have over your data?
You have the right to inquire about the personal data that we process for you, the purpose and nature of the processing, and to provide you with information about who we disclose it to (unless disclosure of this information is prohibited by law). You can request a copy of the information we process for you in order to verify the information we have for you. The copy can be requested free of charge.

You may request that we update, correct or delete your personal information at any time (to the extent permitted by applicable law and without affecting the services we provide to you). Please note that we may refuse requests that pose a risk to the privacy of others whose data we store, or that are unreasonable, repetitive, or would require a disproportionate effort. However, we are subject to certain legal obligations that prevent us from promptly deleting your personal data. Such obligations arise from anti-money laundering laws, tax laws and consumer protection laws. In any event, we will notify you in a timely manner if we are unable to fulfill your request for your personal information.

You must inform us in the event that the data you have provided changes as part of the conclusion of the contract or our future cooperation and if you are convinced that your personal data processed by us is incorrect.

You can opt-out (or unsubscribe) from receiving our newsletters, newsletters, SMS messages or other similar promotional information at any time in your profile on our website or by contacting us. In addition, we provide a link at the bottom of each email containing a commercial message to opt-out of receiving our promotions. Please note that our messages may contain important or useful information about the products you use, discounts or other useful offers.

We work hard to protect your personal information and secure its storage. However, if you feel that we have violated your rights, please contact us to resolve the issue. You also have the right to complain to the data protection authority. A list of EU data protection authorities and contact information can be found here.

5. How do we collect your data?
We collect the information in three ways:

If you provide us with information, e.g. B. when present, by completing our applications (including those of our partners and representatives), on our websites, on social media, by post, email, telephone, live chat or otherwise,
automatically when you use our websites or products, and ​
when provided by third parties, for example credit reference agencies, other companies in our group or partners.
Much of our automatic data collection occurs through the use of cookies, tracking signals or other similar technologies. For more information, see our Cookie and Tracking Policy.

6. What information do we receive from you?
Data may be collected and processed while you use our websites, mobile applications or our services, or when you otherwise communicate with us. We may collect information such as your name, ID, date of birth, gender, address, email, telephone, employment details, IP address, device ID, location, financial and billing information including details of your obligations, etc.:

Information You Provide:
We may collect any information you provide to us:

• When you log into our website, use our web or mobile apps, fill out forms or apply for loans and other products and services on our website, at our offices, at our partners' offices or websites, or otherwise.

• When you report a problem or communicate with us about our products or services. ​

• When you participate in discussion forums, promotions or surveys, comment on our blog or use other social media features on our website or other activities conducted through our websites or social media.

• When you participate in a competition, promotion or research in any way, including on our partners' websites and through social media.

• If you otherwise communicate with us using the methods listed above.

The information you provide to us may include: your name (last name, first name, last name, first name), ID/PIN, address, email address and telephone number, date of birth, gender, marital status, number of minor children , employee name, company phone number, monthly income and expenses, financial information and credit card details, bank account number, bank account transactions, personal description, voice recording (incoming and outgoing calls), photo or picture, copy of an identification document, signature and any other information you need to choose, to make available to us.

We will register, store and use the information you provide to us in the ways listed above. It is also possible to record our communications over the phone.

The information we automatically collect from you:
When you visit our website or use our mobile apps, we may automatically collect the following information: ​

• Technical information, including device type, Internet Protocol (IP) address and Internet service provider (ISP) used to connect your device to the Internet, your login information, plug-in type and version, time zones, Operating system and platform, screen resolution, device locations, including specific geographic locations such as GPS, Bluetooth or WiFi signals, font encoding;

• Information about your visit, including the full Unified Resource Locators (URL), the order of clicks to, through and from the website (including date and time); the products you viewed or searched for; (e.g. HTML pages, charts, etc.), page response time, download errors, duration of page visits, page interaction information (e.g. scrolling, clicking and hovering over certain elements); the methods used to enter and exit pages, the date/time and/or click data, the types of content you see or interact with, other websites and apps you have visited, and any telephone numbers used to call our call center.

Please also note the section “How do we collect your data?” ​

Information we receive from third parties.
We may request information about you from third parties, e.g. B. from other companies in our group or credit reference agencies. We do this in accordance with this Data Protection Law and Regulation 2016/679 of the European Parliament and of the Council on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and will, where necessary, obtain and obtain your prior consent. We may receive information about you from the following third parties in the following ways:

During any application you make for a loan or similar product, we may:

search for information about you, your creditworthiness, your financial situation, past and present debts and debts, employment in relevant registers (including registers containing income information, credit history, debts to third parties, addresses, invalid identification documents, money laundering and terrorist financing). , and political figures), agencies, financial institutions, other companies in our group and other third parties and publicly available sources;
obtain the information you provide to credit brokers and our business partners when applying for services;
Receive information from banks, financial and payment institutions about your payments to us.
from other Alotech AG companies and commercial partners with whom we work in relation to competitions, promotions or surveys in which you participate;
Business partners in technical and payment services, advertising networks, analytics providers, search providers when we use them to provide services;
in all other cases, if you have agreed to the transfer of your data to us.

7. Do we make automatic decisions about you?
In order to be able to process your loan application very quickly, we can carry out an automated creditworthiness and risk check to decide whether to grant a loan and determine the maximum amount. The automatic evaluation is based on the data and information you provide, which is analyzed by a specialized algorithm. In certain cases, your application will be checked by our employees in addition to analyzing the algorithm.

In the event of a fully automated decision, you have the right to object to the decision and request that it be reviewed by human intervention.

8. Is there anything else you need to know?
Our websites and applications may contain links to third-party websites. These third party websites have their own privacy policies. When you visit these websites, you are subject to their policies.