Legal terms

Anyone using the website of TOP Credits Sàrl (here named SD Councils) is invited to read carefully the terms of use.


By accessing this website, you represent fully agree with the following conditions, which are written exclusively in French. If the user does not agree with the conditions defined below or do not fully understand, he is asked to immediately stop all access to the site.

Security and privacy

Internet is an open network accessible to all. When the user visits the website SD Consulting, third parties can draw conclusions on the possible existence of a commercial relationship between the user and SD Councils. The transmission of information on the Internet may be subject to malfunctions, delays or misdirection of the data that are not within the power or the responsibility of SD advice or other information provider. SD advice or information providers are not liable for consequential damages or damages resulting from such problems. Similarly, SD Advice assumes no responsibility for any losses or damages of any kind arising from the use of this website or the information it contains. The information on this website may be changed at any time and without special notice. When the user activates links given on the site SD Councils, it may leave the website. Tips SD has not checked the other sites linked to the website through links and thus declines any responsibility for their content and the products, services and other offers that are available.

Review of credit and credit information

By completing a request on the website SD Councils, I confirm that all my information is correct and I authorize banks to obtain information about me in connection with the review of my application and enforcement of the contractual relationship, for example with banks, external credit analysts, public offices, the Central Credit Information (ZEK) of the credit information center Consumer (IKO) or other statutory bodies, and to notify the ZEK, IKO or other organizations accordance with the duty prescribed by law. I acknowledge the ZEK and IKO the right to make the data that have been notified to them available to their members. Possible data locks decided by myself towards the bank are considered removed. I agree that the bank or its contractors engaging in the consultation, treatment and registration abroad certain credit information about me provided in this context by third parties, including also those provided by the ZEK and IKO in the context of the review of the credit application and execution of the contract. Contractual partners and their employees are obliged to respect data protection in accordance with the requirements of the federal law on data protection, banking secrecy pursuant to the Federal Law on Banks and the principle of confidentiality.

Personal data and data protection

Pursuant to art. 13 of the Federal Constitution and the law on data protection, everyone has the right to respect for his private life and to protection against the misuse of their personal details. SD Tips respects these provisions. The user is prompted to different parts of the SD website tips to enter personal data. If he decides to communicate to SD Councils of personal data on the Internet or email, we will process such data in accordance with the legislation on data protection. By contacting SD tips through the Internet, e-mail, mail or in any other way, the user authorizes the bank to process and analyze its data, as well as use them for marketing purposes and internal analysis in Switzerland and abroad. The user has the right to revoke such authorization at any time. The bank may partially delegate services to third parties (“providers”), particularly in the areas of workflow processes, IT security, systems management, market research, the credit risk calculation and of business-related market, as well as the management of contractual relations. The user agrees that service providers have access to all data processed in the framework. The bank can process its data in states that do not have a data protection equivalent to that of Switzerland and load providers such States to process my data. This data is transmitted only if those providers are committed in advance to provide an adequate level of data protection. The user is aware that his data will be sent abroad and that this also will be the Internet. He accepts this type of data transmission and processing in Switzerland and abroad. The bank has the right to refuse this application without giving reasons. The user is aware that the Internet is an open network accessible to all. Consequently, SD Consulting and the bank can not guarantee the confidentiality of data transmitted over the Internet. Third conclusions on an existing banking relationship or about to exist between myself and the bank are possible. The user agrees that SD Tips occasionally sends mailing address and e-mail information about the company, its products and services. The use of customer data for marketing purposes can be revoked at any time by the user in writing or by email.

<h4>Right of access and correction of data</h4>
Pursuant to the Federal Law of 19 June 1992 on the protection of data, any interested party may, by written and signed request to SD Councils to disclosure data by mail about him. If such data is out of date, inaccurate or incomplete, the applicant may request SD Tips to amend the personal data. It may also at any time ask him to remove them.

<h4>Intellectual Property</h4>
This entire website is the exclusive property of TOP Credits Sàrl, subject to the rights of third parties. Reproduction (full or partial), transmission (electronically or by other means of communication), modification, linking or use of the SD website advice for public or commercial purposes is prohibited without the prior written consent of TOP Credits Sàrl. Any adjournment or use in any capacity whatsoever, text, graphics, or combined marks (such as logos) filed by SD Sàrl or she is the beneficiary is also prohibited, subject to the express written permission of the beneficiary.

<h4>No Offer</h4>
The information published on the website SD Councils do not constitute an offer or a recommendation to buy or sell a product (financial or otherwise) or performing other legal acts or invitation to bid.

TOP Credits Sàrl assumes no responsibility for any direct or indirect loss or damage of any kind resulting from access to the site or the use of available information or advice on this site or the inability to access or use the information or advice on this site. In particular, the responsibility of TOP Credits Sàrl and its officers, directors, employees, affiliates and shareholders, for any damage or loss incurred due to an error, technical or not, a transfer failure, an overload situation, difficulty of use, interruption of service (including including system maintenance service), a delay in the transmission of information, incompatibility between this website and the files or software of the user (especially with his “browser” or “browser”) and / or computer malfunction, interference, transmission of a virus or a worm to his computer, illegal access (eg due to hackers), the intentional blocking of tools and telecommunications networks (eg following a mass mailing of e-mails or denial of service attacks) or any other inadequacy of telecommunications service providers or network is excluded.

<h4>Access Restrictions</h4>
The site is not intended for persons in any jurisdiction where (by reason of that person’s nationality, place of residence or otherwise) the distribution, access to this website or its use are prohibited. Persons subject to such restrictions must not access the site or use it in any form whatsoever.

TOP Credits has not checked the websites linked to the Site and is not responsible for the content of such other sites. The use of links to other web sites is at your own risk.

If any provision of these terms was invalid, not compliant or not applicable, it implies no case of disability, cancellation or non-performance of the other provisions of present conditions. The invalid clause, non-compliant or inapplicable will be replaced by a valid clause, applicable and consistent matching as possible to the meaning and purpose of the invalid clause.

Only the French language version of these terms and conditions shall prevail.

<h4>Legal jurisdiction and applicable law</h4>
Any dispute relating to the site or resulting from its use or access is subject to the exclusive jurisdiction of the competent courts of the Canton of Vaud, subject to any appeals to Federal Court in Lausanne. Swiss law applies.