Consent
Persons who access the information published on the BANK-now Ltd. website on the world wide web (BANK-now website) confirm that they have understood and accept the following terms and conditions.
Addressees
The BANK-now website is aimed exclusively at natural persons and legal entities as well as partnerships and corporate bodies having their place of residence or registered office in Switzerland. The information on this website is not intended for distribution to, or use by, natural persons or legal entities who are citizens of, or have their domicile or registered office in, a country where the distribution, publication, provision, or use of this information would violate applicable laws or regulations, or where BANK-now is required to fulfill registration or authorization obligations.
Intellectual property rights
The entire contents of the BANK‑now website are protected by copyright (all rights reserved). The elements contained on the website are freely usable solely for the purposes of browsing. If the user downloads software or other data from the BANK-now website or reproduces them in any other way, the exclusive rights of ownership remain with BANK-now. The reproduction, transmission (electronic or otherwise), modification, linking, or use, either in full or in part, of the BANK-now website for public or commercial purposes is forbidden without the prior written permission of BANK-now. All of the trademarks used on the BANK-now website belong to BANK-now or another company of Credit Suisse Group.
No offer
The information published on the BANK-now website does not constitute an offer or recommendation to purchase or sell a (financial) product or to carry out other legal transactions, nor does it constitute an invitation to make an offer.
Data security, links, and liability
The internet is an open-access network. When a user visits the BANK-now website, third parties may be able to draw conclusions regarding an existing or future business relationship between the user and BANK-now.
The transmission of information via the internet may be subject to interference, delays, errors, or omissions in the supply of the data, which are beyond the control of BANK-now and the relevant information providers. BANK-now and the relevant information providers are not liable for any damage or consequential damage resulting from such defects. BANK-now is also not liable for any loss or damage that the user may suffer due to the use of this website or the information contained therein. The information on this website may be changed at any time and without special notice.
Activating certain links on the BANK-now website may cause the user to leave the BANK-now website. BANK-now has not checked the other sites that are linked with the BANK-now website and accepts no responsibility for their content or the products, services, and other offers available on such sites.
Written consent must always be obtained from BANK-now in advance before integrating a link to the BANK-now website into a third-party website. Data protection The user is asked at various points on this BANK-now website to provide personal data.
If the user decides to provide personal data to BANK-now via the internet or by email, this data will be handled in accordance with data protection legislation. When contacting BANK-now via the internet, by email, by mail or in any other manner, the user agrees that BANK-now may occasionally send information about the company and its products and services or contact the user by telephone. The user may refuse the use of client data for marketing purposes at any time in writing.
The user understands that BANK-now may outsource the hosting of this BANK-now website to third-party providers and that these third-party providers will consequently have access to the user's personal data.
General information on data collection
The website can be viewed without the user having to provide personal user data. You are free to decide whether or not you wish to disclose your data. When visiting the website, unless you object, data such as your IP address, browser type, and access times are transmitted to us by your computer and stored on the BANK-now server. The data is stored using cookies and Google DoubleClick, Google Analytics, and Google AdWords.
IP address
The IP address is the globally valid identifier of your computer, unique at the time of allocation by the internet provider, in the form (IPv4) of four different blocks of numbers separated by periods. Private users do not generally use the same IP address each time as their provider will assign it to them on a temporary basis only (dynamic IP address). In the case of a permanently assigned IP address (static IP address), the unique allocation of user data may be possible in principle via this property. Except for the purpose of monitoring illegal access to the website, BANK-now does not generally use this data in relation to a specific individual; rather, BANK-now analyzes the data only on an anonymized basis in order to determine which subpages are most popular, how many times the site is accessed each day, etc.
Cookies
In order to be able to offer BANK-now services online, BANK-now uses cookies. Cookies are small text files that are generated by a web server and stored on your computer by the browser. These cookies contain technical data, generally random ID numbers, which are essential for website operation or the recording of statistics. BANK-now never saves personal data in cookies. BANK-now uses both temporary and long-term cookies. Temporary cookies are deleted as soon as the browser is closed. In the case of long-term cookies, BANK-now uses an anonymous ID merely to identify your browser so that, for example, settings that you have made can be restored the next time you visit the BANK-now website. Long-term cookies are also used in order to provide you with online services tailored to your interests. Alongside BANK-now cookies (first-party) there are cookies that can be set by third parties (third-party cookies). Cookies can only be read by whoever has set the cookie. In addition, you can go to your browser settings to control how cookies are used. The options depend on your browser. Please bear in mind that if you set your browser to not accept any cookies at all, you will not be able to use some of the services on the BANK-now website.
Anonymized recording of user behavior to improve content
In order to improve the quality of BANK-now services, BANK-now records anonymized parts of your user behavior and allocates these to user groups. The data regarding your visit is statistically allocated to these groups. It is not possible to track your individual behavior on the BANK-now website. BANK-now groups visits according to the source/nature of the access, average duration of visit, day and hour of access, BANK-now subpages visited and services used, device type, browser and browser version, operating system and version, and derived demographic information. This data is statistically aggregated and recorded anonymously and your IP address is truncated by at least the last octet. It is not possible to identify who you are. The statistical data recording takes place using JavaScript, cookies, and tracking pixels. Tracking pixels are small, invisible images of one pixel in size. Access to these images is logged by the web server.
Interest-related presentation
In order to present tailored offers while you are visiting the website, BANK-now uses Google services which create an anonymized user profile based on your surfing behavior. These services use cookies to do this. This enables appropriate advertisements to be displayed to you based on previous visits to this website or other websites. By using this website, you confirm that you agree to the processing of data collected about you by Google and the manner of the data processing, as well as the specified purpose.
DoubleClick from Google Inc.
This website uses DoubleClick from Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, US ("Google"). The information generated is transferred by Google to a server in the US where it is evaluated and stored. You can view the current profile established by Google at https://www.google.com/ads/preferences. It is also possible to edit the profile or disable certain profile functions on that website.
Google Analytics
This website uses Google Analytics, a web analytics service provided by Google Inc., 1600 Amphitheatre Parkway, Mountain View, California, 94043 US ("Google"). Google Analytics uses cookies, which are text files placed on your computer, to help the website analyze how visitors use the site. These cookies are reset at regular intervals for data protection reasons. The information generated by the cookie about your use of the website is generally transmitted to and stored by Google on servers in the US. If IP anonymization is enabled on the BANK-now website, Google will shorten the IP addresses of persons visiting the website from EU Member States or other contracting partides to the EEA Agreement before they are sent. This ensures that it is no longer possible to identify the individual. On behalf of the operator of this website, Google uses 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. Only anonymized information is recorded, so it is not possible to identify an individual using this information. Google will not associate the truncated IP address transmitted by your browser within the scope of Google Analytics with any other data held by Google. You can prevent cookies from being stored by configuring the settings in your browser software accordingly; however, we would like to point out that in this case you may not be able to make full use of all the functions on this website. You can also prevent Google from collecting the data that has been generated by the cookie in relation to your use of the website (including your IP address) and processing this data by downloading and installing the browser plug-in available at the following link: Link for plug-in (https://tools.google.com/dlpage/gaoptout?hl=en )
Publishing details
The owner and operator of this website is BANK-now Ltd.
Legal domicile of the company
BANK-now Ltd.
Neugasse 18
CH-8810 Horgen
Chairman of the Board of Directors
André Helfenstein
CEO
Erich Wild