Last updated: May 25, 2018
This Statement explains how personal data relating to you will be handled by 4Finance AG, P.O. Box 159, 6312 Steinhausen, Switzerland Register number CHE 113.803.925 Tel./Fax: +41433331038.
("SmartMoneyMatch", “4Finance”, “4Finance AG”, “4Finance Ltd”, "we" or "us") and sets out how and why your personal data will be collected and processed by 4Finance AG and on its behalf by its third party service providers.
APPLICATION OF THIS STATEMENT
This Statement applies to the way we collect and process your personal data. Personal data will be collected and processed by SmartMoneyMatch when you or a company with which you are connected engage with (our "Websites") or otherwise.
We will collect personal data:
Please ensure that you regularly read the latest version of this page. The first paragraph of the Policy tells you when the last update was made.
Lawful basis and purpose of the processing
We process your personal data purpose-related and according to the legal grounds listed in the federal act of data protection (FADP) on https://www.admin.ch/opc/en/classified-compilation/19920153/index.html.
Most of our processing activities are based on a legitimate interest of our association or a third party. We follow a process to carefully measure our interest against yours in a detailed legitimate interest assessment. As far as the purpose of the processing allows, your data is processed pseudonymized or anonymized.
Your data will be processed to provide services to you within the framework of our business contract. The purpose of the processing is linked to the contractual agreements between yourself and us alongside related documentation, where additional information can be found.
We may also process your data:
To the extent you have explicitly consented to the processing of your data such consent constitutes a lawful basis for the data processing until you withdraw your consent. You have the right to withdraw your consent at all times.
Information we collect
We may collect information about you when you use this Site or when you apply for or use other services offered by 4Finance AG in the following ways:
Security of data transfers
Please note that data that is transported over an open network, such as the Internet or email, may be accessible to anybody.
Information we obtain about you from other sources.
We also process data that we haven’t obtained directly from you. This procession occurs whenever a user provides us with information, or we collect information from other sources. In such cases, we process the respective data within the scope of the fulfillment of our contractual obligations towards the respective user and to safeguard our legitimate interests, while giving due consideration to your interests.
Data from address book uploads
We make it possible for users to expand their network on SmartMoneyMatch and invite non-users. When a user makes use of this feature, personal data is processed on their behalf and under their responsibility. SmartMoneyMatch makes appropriate functions available to users to manage the data processed on their behalf and in particular to delete this data. Users have the right and the option to cease the processing of personal data on their behalf at any time.
Source of the data
Users who want to expand their personal network and already have access to your data can upload this information to SmartMoneyMatch.
4Finance AG cannot guarantee the confidentiality of any communication or material transmitted via such open networks. When disclosing any personal information via an open network, you should remain mindful of the fact that it is potentially accessible to others, and consequently, can be collected and used by others without your consent. In particular, while individual data packets are often encrypted, the names of the sender and recipient are not. A third party may, therefore, be able to trace an existing bank account or relationship or one that is subsequently created. Even if both the sender and recipient are located in the same country data may also be transmitted via such networks to other countries regularly and without controls, including to countries that do not afford the same level of data protection as your country of domicile.
Your data may be lost during transmission or may be accessed by unauthorized parties. We do not accept any liability for direct or indirect losses as regards the security of your data during its transfer via Internet. Please use other means of communication if you think this is necessary or prudent for security reasons.
Protection, Processing, and Use of Personal Data
We use your personal information to enhance the quality of the products or services we wish to provide to our customers or in connection with your investments with or through us and to maintain contact details for those with whom we deal. We restrict access to personal information about you to those employees, agents or other parties who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards to guard your personal information, including firewalls, individual passwords and encryption and authentication technology.
We do not use for purposes other than as set out above, or disclose to any third party any personal information about our customers or former customers, except with such customer’s consent or as otherwise permitted or required by law. In cases where we believe that additional products and services may be of interest to you, we may share your personal information with affiliates of 4Finance AG to the extent permitted by applicable law. We may also disclose this information to firms that perform services on our behalf to the extent permitted by applicable law. These service providers are required to treat the information confidentially and use it only for the purpose for which it is provided. Certain jurisdictions may have more stringent privacy requirements that will prevent disclosure of your personal information to any other person or entity, including affiliates. We will retain your personal information by applicable data protection laws for so long as it is needed.
What rights can you exercise?
You have legal rights available to you with regard to data access, rectification, erasure, restriction of processing and objection to processing, as well as the right to data portability, amongst others. Also, you can withdraw any consent you may have given to data processing at any time, and have the right to lodge a complaint with the Swiss supervisory authority.
Period saved for and right to object.
We save this data until the respective user either deletes this data themselves or their user account is deleted. The invited non-users can select an opt-out link in the invitation email to object to the sending of further invitations or invitation reminders to their respective email address.
What is a cookie?
Cookies are small files which are stored on your computer to keep track of your visit to the website and your preferences; as you move between pages, and sometimes to save settings between visits. Cookies help the builders of websites gather statistics about how often people visit certain areas of the site and help in tailoring websites to be more useful and user-friendly. For more information on cookies, please visit the Swiss Information Commissioner’s Office website (http://www.edoeb.admin.ch/dokumentation/00153/00262/00264/index.html?lang=en) for a thorough and detailed description of the purpose and usage of cookies and information on how to control and delete cookies from your browser.
How are cookies used on this website?
You may opt-out of cookies (and the use of this website) at any time, by deleting the cookies that were set by the site. Deleting cookies can be done via the settings of your internet browser and delete all cookies. To find how to manage and delete cookies, please visit the Information Commissioner’s Office website (http://www.edoeb.admin.ch/index.html?lang=en).
This Site may contain hyperlinks to other websites that are not operated or monitored by 4Finance AG. These other websites are not subject to this Policy, and we are not responsible for their content or for the policy they apply to the treatment of personal data. We recommend that you read the policy used by these websites and check how these websites protect your personal data and whether they are trustworthy.