PR Fina Kredit Vergleich Schweiz, Joachim Kölmel
9411 Schachen bei Reute
Company Name PR Fina Kredit Vergleich Schweiz, Joachim Kölmel
Data protection officer:
General / Introduction
Based on Article 13 of the Swiss Federal Constitution and the data protection regulations of the Swiss Confederation (Data Protection Act, DSG), every person has the right to protection of their privacy as well as protection against misuse of their personal data. The operators of these pages take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with the legal data protection regulations as well as this data protection declaration.
In cooperation with our hosting providers, we make every effort to protect the databases as well as possible against unauthorised access, loss, misuse or falsification.
We would like to point out that data transmission on the Internet (e.g. communication by e-mail) can have security gaps. Complete protection of data against access by third parties is not possible.
By using this website, you consent to the collection, processing and use of data in accordance with the following description. This website can generally be visited without registration. Data such as pages accessed or names of files accessed, date and time are stored on the server for statistical purposes without this data being directly related to your person. Insofar as personal data (e.g. name, address or email addresses) is collected on our pages, this is always done on a voluntary basis as far as possible.
Processing of personal data
Personal data is any information relating to an identified or identifiable person. A data subject is a person about whom personal data is processed. Processing includes any handling of personal data, regardless of the means and procedures used, in particular the storage, disclosure, acquisition, erasure, retention, alteration, destruction and use of personal data.
We process personal data in accordance with Swiss data protection law. If and to the extent that the EU GDPR is applicable, we also process personal data on the following legal bases in connection with Art. 6 (1) GDPR:
- lit. a) Processing of personal data with the consent of the data subject.
- lit. b) Processing of personal data for the performance of a contract with the data subject as well as for the implementation of corresponding pre-contractual measures.
- lit. c) Processing of personal data for compliance with a legal obligation to which we are subject under applicable EU law or under the applicable law of a country in which the GDPR applies in whole or in part.
- lit. d) Processing of personal data to protect the vital interests of the data subject or another natural person.
- lit. e) Processing of personal data to protect the legitimate interests of us or of third parties, unless the fundamental freedoms and rights and interests of the data subject override these. The legitimate interests include, in particular, our business interest in being able to provide our website, information security, the enforcement of our own legal claims and compliance with Swiss law.
We process personal data for the duration required for the respective purpose or purposes. In the case of longer-term retention obligations due to legal and other obligations to which we are subject, we restrict processing accordingly.
With SSL/TLS encryption
This website uses SSL/TLS encryption for security reasons and to protect the transmission of confidential content, such as enquiries that you send to us as the site operator. You can recognise an encrypted connection by the fact that the address line of the browser changes from "http://" to "https://" and by the lock symbol in your browser line.
If SSL or TLS encryption is activated, the data you transmit to us cannot be read by third parties.
Server log files
The provider of this website automatically collects and stores information in so-called server log files, which your browser automatically transmits to us. These are:
- Browser type and browser version
- Operating system used
- Referrer URL
- Host name of the accessing computer
- Time of the server request
This data cannot be assigned to specific persons. This data is not merged with other data sources. We reserve the right to check this data retrospectively if we become aware of specific indications of unlawful use.
Rights of the data subject
Right to confirmation
Every data subject has the right to request confirmation from the website operator as to whether personal data concerning him or her are being processed. If you wish to exercise this right of confirmation, you may contact the Data Protection Officer at any time.
Right of access
Every person affected by the processing of personal data has the right to receive information about the data stored about him or her and a copy of this information from the operator of this website at any time and free of charge. In addition, information may be provided about the following, if applicable:
- Purposes of the processing
- Categories of personal data processed
- Recipients to whom the personal data have been or will be disclosed
- if possible, the planned duration of the storage of the personal data or, if this is not possible, the criteria for determining this duration.
- The existence of a right to rectification or erasure of personal data concerning them or to restriction of processing by the controller or a right to object to such processing.
- the existence of a right of appeal to a supervisory authority
- Where the personal data are not collected from the data subject: Any available information about the origin of the data.
- In addition, the data subject has the right to be informed whether personal data have been transferred to a third country or to an international organisation. If this is the case, the data subject also has the right to obtain information about the appropriate safeguards in connection with the transfer.
If you wish to make use of this right to information, you can contact our data protection officer at any time.
Right of rectification
Every person affected by the processing of personal data has the right to demand the immediate rectification of inaccurate personal data concerning him or her. In addition, the data subject has the right, taking into account the purposes of the processing, to request that incomplete personal data be completed, including by means of a supplementary declaration.
If you wish to exercise this right to rectification, you can contact our data protection officer at any time.
Right to erasure (right to be forgotten)
Any person concerned by the processing of personal data has the right to obtain from the controller of this website the erasure without delay of personal data concerning him or her, where one of the following grounds applies and the processing is no longer necessary:
- The personal data were collected or otherwise processed for purposes for which they are no longer necessary.
- The data subject withdraws the consent on which the processing was based and there is no other legal basis for the processing.
- The data subject objects to the processing on grounds relating to his or her particular situation and there are no overriding legitimate grounds for the processing, or the data subject objects to the processing in the case of direct marketing and related profiling.
- The personal data have been processed unlawfully
- The erasure of the personal data is necessary for compliance with a legal obligation under Union or Member State law to which the controller is subject.
- The personal data have been collected in relation to information society services offered directly to a child
If one of the above reasons applies and you wish to arrange for the erasure of personal data stored by the operator of this website, you can contact our data protection officer at any time. The data protection officer of this website will arrange for the deletion request to be complied with immediately.
Right to restrict processing
- Any person concerned by the processing of personal data has the right to obtain from the controller of this website the restriction of processing if one of the following conditions is met:
- The accuracy of the personal data is contested by the data subject for a period enabling the controller to verify the accuracy of the personal data.
- The processing is unlawful, the data subject objects to the erasure of the personal data and requests instead the restriction of the use of the personal data.
- The controller no longer needs the personal data for the purposes of the processing, but the data subject needs them for the assertion, The data subject has objected to the processing on grounds relating to his or her particular situation and it is not yet clear whether the legitimate interests of the controller override those of the data subject.
If one of the aforementioned conditions applies, you may at any time contact our Data Protection Officer to request the restriction of the processing of personal data concerning the operator of this website. The data protection officer of this website will arrange the restriction of the processing.
Right to data portability
Every person affected by the processing of personal data has the right to receive the personal data concerning him or her in a structured, common and machine-readable format. In addition, the data subject has the right to obtain that the personal data be transferred directly from one controller to another controller, where technically feasible and provided that this does not adversely affect the rights and freedoms of other individuals.
To exercise the right to data portability, you may at any time contact the Data Protection Officer designated by the operator of this website.
Right to object
Any person concerned by the processing of personal data has the right to object at any time, on grounds relating to his or her particular situation, to the processing of personal data concerning him or her.
The operator of this website will no longer process the personal data in the event of the objection, unless we can demonstrate compelling legitimate grounds for the processing which override the interests, rights and freedoms of the data subject, or for the assertion, exercise or defence of legal claims.
To exercise your right to object, you may directly contact the Data Protection Officer of this website.
Right to withdraw consent under data protection law
Every person affected by the processing of personal data has the right to revoke a given consent to the processing of personal data at any time.
If you wish to exercise your right to withdraw consent, you can contact our data protection officer at any time.
Contact form (credit enquiry)
If you send us enquiries via the contact form, the information you provide in the enquiry form, including the contact details you provide there and other personal data, will be stored by us for the purpose of processing the enquiry and in the event of follow-up questions. We also pass on this personal data to external financial services companies, which will subsequently submit offers to you. Our external financial service providers are contractually obliged not to pass on personal data of customers and interested parties to third parties. If you wish to request information, confirmation or deletion of your data from the financial services company that contacted you for the offer request, please contact the financial services company concerned directly which contacted you as a result of the credit request. You are also welcome to contact us and we will be happy to contact the external financial services company on your behalf.
The deletion of the data takes place after the expiry of legal warranty and comparable obligations, whereby the necessity of storing the data is reviewed at irregular intervals. In all other respects, the statutory retention obligations apply. In the case of legal archiving obligations, deletion takes place after their expiry.
You can also reject or accept cookies that are not necessary when you visit our website for the first time.
This website uses Google Analytics, a web analytics service provided by Google Ireland Limited. If the data controller on this website is located outside the European Economic Area or Switzerland, the Google Analytics data processing will be carried out by Google LLC. Google LLC and Google Ireland Limited are hereinafter referred to as "Google".
The statistics obtained enable us to improve our offer and make it more interesting for you as a user. This website also uses Google Analytics for a cross-device analysis of visitor flows, which is carried out via a user ID. If you have a Google user account, you can deactivate the cross-device analysis of your usage in the settings there under "My data", "Personal data".
The legal basis for the use of Google Analytics is Art. 6 para. 1 p. 1 lit. f DS-GVO. The IP address transmitted by your browser as part of Google Analytics will not be merged with other Google data. We would like to point out that on this website Google Analytics has been extended by the code "_anonymizeIp();" in order to ensure anonymised collection of IP addresses. This means that IP addresses are processed in shortened form so that they cannot be associated with a specific person. If the data collected about you can be assigned to a person, this is immediately ruled out and the personal data is deleted immediately.
Only in exceptional cases will the full IP address be transferred to a Google server in the USA and shortened there. On behalf of the operator of this website, Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity and providing other services relating to website activity and internet usage to the website operator. For the exceptional cases in which personal data is transferred to the USA, Google has submitted to the EU-US Privacy Shield, https://www.privacyshield.gov/EU-US-Framework.
In addition, you can also prevent the use of Google Analytics by clicking on this link: Deactivate Google Analytics.This will save a so-called opt-out cookie on your data carrier, which prevents the processing of personal data by Google Analytics. Please note that when you delete all cookies on your terminal device, these opt-out cookies are also deleted, i.e. you must set the opt-out cookies again if you wish to continue to prevent this form of data collection. The opt-out cookies are set per browser and computer/end device and must therefore be activated separately for each browser, computer or other end device.
We use Google AdSense on this website. This is an advertising programme of the company Google Inc. In Europe, the company Google Ireland Limited (Gordon House, Barrow Street Dublin 4, Ireland) is responsible for all Google services. Google AdSense allows us to display ads on this website that are relevant to our topic.
Through the marketing tools used, your browser automatically establishes a direct connection with Google's server. Through the integration of Google Ads, Google receives the information that you have called up the corresponding part of our website or clicked on an advertisement from us. If you are registered with a Google service, Google can assign the visit to your account. Even if you are not registered with Google or have not logged in, it is possible that Google will obtain and store your IP address.
You can prevent participation in this tracking process in various ways:
- by adjusting your browser software accordingly; in particular, the suppression of third-party cookies will result in you not receiving any third-party advertising;
- by disabling conversion tracking cookies by setting your browser to reject cookies from the domain "www. googleadservices.com", https://adssettings.google.com, which setting will be deleted when you delete your cookies;
- by disabling interest-based advertising from the providers that are part of the "About Ads" self-regulatory campaign, via the link https://www.aboutads.info/choices, this setting being deleted when you delete your cookies;
- by permanently deactivating them in your Firefox, Internetexplorer or Google Chrome browsers via the link https://www.google.com/settings/ads/plugin. We would like to point out that in this case you may not be able to use all functions of this offer to their full extent.
The legal basis for the processing of your data is a balancing of interests, according to which the processing of your personal data described above is not opposed by any overriding interests on your part (Art. 6 para. 1 p. 1 lit. f DSGVO). Further information on Google Ads from Google can be found at https://ads.google.com/intl/de_DE/home/, as well as on data protection at Google in general: https://www.google.de/intl/de/policies/privacy. Alternatively, you can visit the website of the Network Advertising Initiative (NAI) at https://www.networkadvertising.org.
This website uses so-called web fonts provided by Google for the uniform display of fonts. When you call up a page, your browser loads the required web fonts into its browser cache in order to display texts and fonts correctly. If your browser does not support web fonts, a standard font from your computer will be used.
This website uses functions of Facebook Inc, 1601 S. California Ave, Palo Alto, CA 94304, USA . When you visit our pages with Facebook plugins, a connection is established between your browser and the Facebook servers. In the process, data is already transmitted to Facebook. If you have a Facebook account, this data can be linked to it. If you do not want this data to be linked to your Facebook account, please log out of Facebook before visiting our site. Interactions, in particular the use of a comment function or clicking a "Like" or "Share" button, are also forwarded to Facebook. You can find out more about this at https://de-de.facebook.com/about/privacy.
This website uses functions of Twitter, Inc. 1355 Market St, Suite 900, San Francisco, CA 94103, USA. When you call up our pages with Twitter plug-ins, a connection is established between your browser and Twitter's servers. In the process, data is already transferred to Twitter. If you have a Twitter account, this data can be linked to it. If you do not want this data to be linked to your Twitter account, please log out of Twitter before visiting our site. Interactions, in particular the clicking of a "Re-Tweet" button, are also forwarded to Twitter. You can find out more about this at https://twitter.com/privacy.
Data transfer to the USA
Among other things, tools from companies based in the USA are integrated on our website. If these tools are active, your personal data may be transferred to the US servers of the respective companies. We would like to point out that the USA is not a safe third country in the sense of EU data protection law. US companies are obliged to hand over personal data to security authorities without you as a data subject being able to take legal action against this. It can therefore not be ruled out that US authorities (e.g. intelligence services) process, evaluate and permanently store your data located on US servers for monitoring purposes. We have no influence on these processing operations.
Further legal information
We hereby expressly point out that the information on our pages is under no circumstances to be regarded as a consulting service. PR Fina itself does not provide financial services. Our offer is free of charge and non-binding and can under no circumstances be invoked in connection with the subsequent conclusion of a contract with one of our partners or any other legally binding agreement. PR Fina itself does not provide credit advice or credit mediation. The task of this online service ends when your enquiry - according to your choice of modules/forms - is passed on to our competent, external partners (financial service providers) (enquiry forms), they contact you and offer you free of charge and without obligation offers. PR Fina works only with reputable and exclusively Swiss companies. We also refer to external websites in the form of hyperlinks. PR Fina has no influence on the contents, registration processes and conclusion of contracts on external websites (hyperlinks) and does not assume any responsibility/liability for them.
Credit calculator and credit comparisons
The calculations in the credit calculator are approximate values. No guarantee is given for the correctness or up-to-dateness of the calculated or displayed credit conditions in our credit calculator or our comparison tables. Our credit specialists (partners) do not broker all listed credit providers. By clicking on the button "credit enquiry" you will receive competent advice and free credit offers.
The copyright and all other rights to the content, images, photos or other files on the website belong exclusively to the operator of this website or the named rights holders. The prior written consent of the copyright holders must be obtained for the reproduction of any files.
Anyone who commits a copyright infringement without the consent of the respective copyright holder may be liable to prosecution and may under certain circumstances be subject to claims for damages.
All information on our website has been carefully checked. We make every effort to ensure that the information we provide is up-to-date, correct and complete. Nevertheless, the occurrence of errors cannot be completely ruled out, so that we cannot accept any liability for the completeness, correctness and up-to-dateness of the information, including journalistic and editorial information. Liability claims regarding damage caused by the use of any information provided, including any kind of information which is incomplete or incorrect, will therefore be rejected.
The publisher may change or delete texts at his own discretion and without prior notice and is not obliged to update the contents of this website. The use of this website or access to it is at the visitor's own risk. The publisher, its customers or partners are not responsible for any damages, such as direct, indirect, incidental or consequential damages, allegedly caused by visiting this website and consequently do not accept any liability for such damages.
The publisher also accepts no responsibility or liability for the content and availability of third-party websites that can be accessed via external links from this website. The operators of the linked sites are solely responsible for their content. The publisher therefore expressly distances itself from all third-party content that may be relevant under criminal or liability law or that may offend common decency.