Legal provisions
Please read the following instructions carefully. By accessing the Independent Credit View AG ((hereinafter “I-CV”, “we”, “us”) website, you declare that you have accepted the following terms of use and legal information. Any special agreements on individual services or products of I-CV shall take precedence over these conditions; in the event of any contradictions. Should you not agree with the following conditions, we ask you to refrain from further accessing the I-CV website and to contact us by telephone or email (info@I-CV.ch).
Legal restrictions / addressees
Visitors to this website may be subject to various restrictions due to their origin or other characteristics. This website is expressly not directed at any person, partnership or entity to whom access to this website is prohibited in whole or in part by reason of that person’s nationality, residence or other circumstances. Persons subject to such restrictions may therefore not visit the I-CV website. Restrictions apply in particular to citizens of the United States of America (USA) and Great Britain (UK) and to persons resident in the USA or the UK.
No offer, no obligation
The information published on the I-CV website constitutes neither a recommendation nor an offer or a solicitation to buy or sell investment instruments, to effect transactions or to conclude any legal transaction.
The published information and opinions are provided by I-CV exclusively for personal use and information purposes; they may be changed at any time and without prior notice. I-CV neither implicitly nor expressly assumes any guarantee for the correctness, completeness and topicality of the information and opinions published on the I-CV website. In particular, I-CV is not obliged to remove any outdated information from the I-CV website or to expressly mark it as such.
The information on the I-CV website should not be used in decision-making in economic, legal, tax or other advisory matters, nor may investment or other decisions be made solely on the basis of this information. If necessary, please contact I-CV directly.
Performance
Investors should be aware that investment prices can rise as well as fall. For this reason, a positive performance in the past is no guarantee of a positive performance in the future. In addition, investments in foreign currencies are subject to exchange rate fluctuations.
Limitation of liability
Any liability (including for negligence) for costs or damages of any kind (including direct and indirect damages, immaterial damages and consequential damages) arising out of or in connection with access to or use of the I-CV website (or from the impossibility of access or use) is excluded. I-CV also draws your attention to the risks involved in using e-mail and electronic forms. The data may be viewed and modified by third parties and I-CV identified as the recipient. I-CV does not warrant that any information, software or other material accessible through this website is free of viruses or other harmful components.
Copyright
All copyrights and other rights to the entire content of the I-CV website are reserved by I-CV. Downloading, copying or printing pages is only permitted for personal use. Any use, in particular complete or partial reproduction or publication, is only permitted with the prior written consent of I-CV and complete citation of the source.
Disclaimer for research information
These documents are for information purposes only and do not constitute an invitation to engage in any transaction or to enter into any legal transaction. The information contained in these documents originates from or is based on sources that Independent Credit View AG (hereinafter referred to as I-CV) considers reliable. However, I-CV does not guarantee the accuracy, timeliness or completeness of the information. Furthermore, the ratings are forward-looking and contain assumptions and forecasts. Analyses and ratings are opinions expressed at the time of publication and may change. I-CV also reserves the right to change opinions expressed in documents without notice and without giving reasons. I-CV disclaims any liability for losses arising from the use of these documents and the possible legal, regulatory, tax and accounting consequences. In particular, I-CV is not liable for the success of the recommendations it makes. I-CV assumes that the investors themselves carry out investigations into their collateral with the necessary care. Ratings are snapshots and relate solely to credit risk. In particular, ratings do not take account of interest rate risk or other market risks.
The use of the research portal and the documents contained therein is restricted exclusively to clients of I-CV who have entered into corresponding agreements. The complete or partial reproduction or publication of these documents is not permitted. The forwarding of documents or information contained therein is prohibited.
The documents available on the research portal do not include all the analyses carried out by I-CV. It may well be that an analysis is not available in the research portal, but only on request. In this case we ask you to contact us.
Data protection at Independent Credit View AG
I-CV is committed to the protection and safekeeping of personal data from its current, future and former customers (hereinafter “customers”, “you”, “you”) in accordance with applicable law, in particular the Swiss Data Protection Act (hereinafter “DSG”) and, where applicable, the European General Data Protection Regulation (hereinafter “GDPR”). This Privacy Policy (“Policy”) describes the ways in which we may collect, use or process personal information, among other things, and disclose it in certain circumstances.
A. General information on data processing
1. Processing of personal data
1.1 Scope of the processing of personal data
As a matter of principle, we only process personal data of our customers insofar as this is necessary for the provision of our services and for the provision of a functioning website.
I-CV may collect, use and disclose personal information about you so that I-CV can (i) perform its day-to-day business activities and dealings with you; (ii) fulfill its obligations under the terms of use of the Site; (iii) perform statistical analysis of pages visited on the Site; (iv) monitor and analyse its business activities; (v) act in compliance with legal and regulatory requirements; (vi) develop and market other products and services; and (vii) transfer rights or obligations to I-CV.
I-CV will not collect or require the disclosure of sensitive personal data (such as ethnic origin, religion or medical data). However, if you choose to provide such sensitive personal data, I-CV may assume that such sensitive data has been provided with your consent and may be processed as I-CV deems appropriate, unless you notify I-CV otherwise in writing.
1.2 Data security
I-CV transfers and stores your personal data in a protected environment. We will take all reasonable steps to prevent third parties not engaged by I-CV to provide services to you from gaining access to your personal information. We will only pass on your data to other third parties if we are forced to do so for legal, official or regulatory reasons. We will not share any information about you with others unless we believe it is lawful or you have given us your consent.
1.3 Outsourcing
I-CV has transferred the archiving of company data to a specialized third party company. Outsourcing is limited to the encrypted archiving of data. The data will be processed exclusively within the company.
1.4 Data transmission
I-CV will not disclose any personal information collected from you to any third party except: (i) as required by applicable law or regulation; (ii) where there is a general obligation to disclose; (iii) where I-CV’s legitimate business interests require disclosure; or (iv) at your request or with your consent or to the persons described below.
I-CV may, subject to applicable law, disclose personal information about you to persons or entities that provide services to I-CV or act as an agent of I-CV, and to any person to whom I-CV assigns or offers to assign its rights or obligations under the Terms of Use of the Site, or who assists with identity checks and fraud prevention or credit checks, subject to applicable law.
1.5 Data protection on the Internet
At I-CV, various security regulations apply to ensure the protection of your personal data. However, I-CV assumes no responsibility or liability for the security of your data while it is transmitted to us via the Internet. In order to protect your privacy, we would like to remind you that you can also contact us via other means of communication if you consider this appropriate.
The website may contain hyperlinks to websites of third parties that are not operated or controlled by I-CV. When you leave our website, I-CV is not responsible for the content or privacy practices of third party websites.
1.6 Recording and monitoring
I-CV may record or monitor telephone conversations and e-mail correspondence between you and I-CV for security, compliance, and to maintain and improve the quality of I-CV’s services.
2. Legal basis for the processing of personal data
I-CV processes personal data in accordance with the provisions of the Swiss DSG and – where applicable – the European GDPR. The lawfulness of the processing of the data results in particular from Art. 6 GDPR.
The processing of personal data at I-CV is based on:
- contractual agreements and serves the fulfilment of contractual obligations between you and I-CV. This also applies to processing operations which are necessary for the implementation of pre-contractual measures.
- a legal obligation subject to I-CV.
- Your consent by your use of the Internet pages and the Research Portal of I-CV.
- the protection of a justified interest of I-CV or a third party, whereby the interests, fundamental rights and fundamental freedoms of you do not outweigh the interest of I-CV or the third party.
3. Duration of storage
Personal data is processed or stored for as long as is necessary to achieve the purpose for which it was collected and to fulfil contractual or statutory obligations. Storage can also take place if this is provided for by national or international law applicable to I-CV (statutory storage and documentation periods).
The data will be blocked or deleted even if a storage period prescribed by the applicable legal standards expires, unless it is necessary for further storage of the data for the conclusion or performance of a contract.
B. Use of cookies
Our website uses cookies. Cookies are text files that are stored in the Internet browser or by the Internet browser on the customer’s computer system. When a customer visits a website, a cookie may be stored on the customer’s operating system. This cookie contains a characteristic string of characters that enables the browser to be uniquely identified when the website is called up again.
This website uses Google Analytics, a free web analytics service provided by Google, Inc. Google Analytics uses “cookies” (text files), which are stored on your computer. The information generated by cookies about your use of this website (including parts of your IP address) will be transmitted to a Google server in the USA and stored there. Google uses this information to evaluate your use of the website and to compile reports on website activity for the website operator. Google may also disclose this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. You may refuse the use of cookies by selecting the appropriate settings on your browser, blocking the use of cookies, and deleting cookies that have previously been installed on your computer. By using our website, you consent to the processing of data about you by Google in the manner and for the purposes set out above. For more information, see the Google Analytics policy.
The purpose of using technically necessary cookies is to simplify the use of websites for customers. Some functions of our website cannot be offered without the use of cookies. For these it is necessary that the browser is recognized also after a page change. The analysis cookies are used for the purpose of improving the quality of our website and its content. Through the analysis cookies, we learn how the website is used and can thus constantly optimize our offer.
Cookies are stored on the customer’s computer and transmitted to our site by the customer. Therefore, you as a customer also have full control over the use of cookies. You can deactivate or restrict the transmission of cookies by changing the settings in your Internet browser. Cookies that have already been saved can be deleted at any time. This can also be done automatically. If cookies are deactivated for our website, it is possible that not all functions of the website can be used to the full extent.
C. E-mail contact and online contact forms
Contact can be established by telephone, via the e-mail address provided and via contact forms on our website. In this case the transmitted personal data of the sender will be stored. The data will be used exclusively for the processing of the communication.
When contacting I-CV, the required legitimate interest in the processing of data from I-CV lies in the processing of the contact. Other personal data processed serves to ensure the security of our information technology systems.
If you contact us, you can object to the storage of your personal data at any time (see below “E. Customer’s data protection rights”). In such a case, the communication cannot be continued.
On our website there is a contact form which can be used to establish electronic contact. If a user chooses this option, the data entered in the input form will be transmitted to us and stored. Typical data collected are e.g. company, name, postal address, e-mail address, concerns, etc. The data will not be passed on to third parties.
Your consent will be obtained for the processing of the data as part of the sending process and reference will be made to this data protection declaration.
D. marketing emails
For information purposes, I-CV sends out marketing e-mails (e.g. newsletters, event invitations, etc.). By using such marketing emails, you consent to the processing of information collected about you in the manner and for the purposes described in this Policy. Recipients may opt out of receiving such marketing emails at any time by notifying us by emailing info@I-CV.ch
E. Data protection rights of the customer
If the relationship between you and I-CV falls under the GDPR and you process personal data, you are the data subject within the meaning of the GDPR. The assertion of the following rights depends on the legal basis chosen for the storage of personal data. The GDPR grants each data subject a right of access, a right to rectification or deletion, a right to limitation of processing, a right of objection and, under certain conditions, a right to data transferability. Furthermore, every data subject has the right to revoke his/her declaration of consent under data protection law and the right to lodge a complaint about the processing of his/her personal data with a supervisory authority.
F. Contact us
If you are a customer and have further questions about I-CV’s privacy policy or would like to verify that your personal data is accurate and current, please contact us via email at info@I-CV.ch
G. Policy updates
This Directive was last updated on 21 June 2018. Please note that I-CV reserves the right to change this policy at any time. Notification of changes or additions to the processing of personal data described above will be made through appropriate information channels such as the I-CV website. Your continued use of this Website constitutes your consent and agreement to any additional or amended provisions of this Policy.