Terms And Conditions Of Use & Data Protection Provisions

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TERMS AND CONDITIONS OF USE

The following Terms and Conditions of Use are intended to clearly regulate the use of the website of MoneyPark AG Churerstrasse 54, CH-8808 Pfäffikon SZ (hereinafter “MoneyPark”) and the use of MoneyPark’s services. By accessing this website (hereinafter “MoneyPark website”), you recognise the legally binding force of the Terms and Conditions of Use referred to herein.

MoneyPark reserves the right to amend these Terms and Conditions of Use at any time within the scope of legal regulations. The Terms and Conditions of Use on the website shall always apply.

If the customer purchases services from MoneyPark, the General Terms and Conditions of Business valid at that time shall also apply.



1. MoneyPark website content

All of the content or services of the MoneyPark website are for information purposes only. They should, in particular, not be regarded as binding offers for fee-based advisory services unless this is explicitly indicated. No assurances, either explicitly or implied, can be offered with regard to the accuracy, completeness, availability and reliability of the information and services on the MoneyPark website, particularly with regard to safeguarding copyrights and other rights, marketability or suitability for a particular purpose. The information offered on the MoneyPark website does not release the user from the necessity of making their own decisions and assessments. MoneyPark reserves the right to amend all content without prior notice. MoneyPark is not under any obligation to update or keep current the information contained herein.

2. User account registration

Certain functions of the website are only accessible to registered users.

For users that register on the MoneyPark website, MoneyPark has set up password-protected direct access to their user information stored with MoneyPark. Here, users can see at all times the MoneyPark services that they have used and can manage user information. Registered users undertake to treat their personal login details as confidential and not make them available to any unauthorised third parties. MoneyPark assumes no liability for misused passwords.

Electronic access to the customer areas on the MoneyPark website is restricted to an individual user and can be revoked by MoneyPark at any time without stating reasons.

3. Comparative and valuation services

The comparative and valuation services available on the MoneyPark website are for information purposes only. The results of the comparisons or valuations do not constitute advertising, offers or recommendations for buying or using the recommended products or services. MoneyPark, in particular, offers no assurances that the recommended products and services are actually the most suitable for the user.

4. Exclusion of liability

Insofar as permitted by law, MoneyPark and its employees shall not be liable for direct or indirect loss, liability claims, costs, claims, expenses or damages of any sort arising from or relating to the use of this website. This shall also apply to damage caused by slight negligence and in cases where MoneyPark was informed of the possibility of such consequential damage.

5. Links

The MoneyPark website may contain third-party content or services or links to third-party websites. MoneyPark has no control over third-party content, services or websites and takes no responsibility for and does not make any warranties as to such content, services or websites and makes no assurances in this regard. This also includes the accuracy, content, quality or up-to-dateness of such content, services or website. MoneyPark is, in particular, not liable for the third-party content, services or websites nor for websites linking to the MoneyPark website or displaying it in frames.

6. Data protection

The separate privacy policy available on the MoneyPark website, which you accept when you use the website, shall apply with regard to data protection.

7. Intellectual property rights

MoneyPark or the respective rights holder shall retain all rights, title and interest (including copyrights, trademarks, patents and other intellectual property rights as well as other rights) in all information and content (including all text, data, graphics and logos) on the MoneyPark website. Individual pages and/or parts of the MoneyPark website may be printed exclusively for personal or internal use. Without MoneyPark’s prior written consent, users are forbidden to, among other things, wholly or partially change, copy, send, forward, issue, present, reproduce, publish, license or transfer any information, text, graphics, images, video clips, directories, databases or lists originating from the MoneyPark website or use it as a frame in a website, create works derived from this content or use it in any other way for commercial or public purposes. Unless approved by MoneyPark, it is forbidden to systematically retrieve content from the MoneyPark website in order to directly or indirectly compile a collection, database or directory or to link to the MoneyPark website.

8. Contact

Please direct any questions about the website to: info@moneypark.ch

Zurich, September 2019

DATA PROTECTION PROVISIONS



1. Introduction

Data protection is an important concern for MoneyPark AG (hereinafter MoneyPark). MoneyPark is expressly committed to the protection and lawful collection, processing and use of user data.

By accessing this website (MoneyPark website), you declare that you agree with these data protection provisions. Should you not agree with the following provisions, access to other pages of the MoneyPark website is forbidden.

As part of their registration, registered users also agree to the collection, processing and use of their personal data in accordance with the following provisions.

The following provisions explain the manner in which and the purpose for which MoneyPark collects, processes and uses data.

2. Personal data

Personal data is information relating to the material or personal circumstances of an identified or identifiable natural person. This includes, for example, the name, telephone number, address and other information that website users enter during the registration process or as part of a valuation request on the MoneyPark home page or which the people in question impart to MoneyPark (or the respective independent MoneyPark partner) by e-mail, telephone or any other means (e.g. as part of a personal consultation). All personal data collected via the MoneyPark website may be merged with data about the same person that you have provided to MoneyPark in another way.

3. Cookies

Cookies are small text files that are stored on your data carrier and which store certain settings and data about your browser to be shared with our system. This simplifies the use of the MoneyPark website as, for example, you do not have to re-enter certain information every time you visit. MoneyPark uses session cookies which are automatically deleted at the end of the browser session as well as temporary/permanent cookies stored for a period of one month to ten years until automatically or manually deleted. The data will be stored for the sole reason of adapting our offering to best suit your requirements and making the MoneyPark website as convenient as possible for you. As well as its own cookies, MoneyPark also uses those of third parties, which also serve to adapt the MoneyPark website to your needs. To this end, the MoneyPark website uses so-called retargeting technology. This allows us to address internet users who have been interested in our services in the past in an individualised way based on an analysis of past user behaviour. The data collected does not relate to a person (e.g. name or IP address) and will be stored in an anonymised form. It shows, for example, which pages of the MoneyPark website were visited. While cookies do not need to be accepted to visit the MoneyPark website, certain functions may be limited if they are not accepted.

4. Log files

With every access to the pages of the MoneyPark website, user data is transferred to the respective internet browser and stored in log files known as server log files. The records stored in this way contain the following information: Date and time of the retrieval, name of the retrieved page, IP address, referrer URL, the data volume transferred and product and version information of the browser used, surfing patterns on the MoneyPark website. The IP addresses of the users will be deleted or anonymised upon termination of use in such a way that details of material circumstances can no longer or only with a disproportionate investment of time, cost and labour be attributed to an identified or identifiable natural person. This log file information will be evaluated in an anonymised form in order to improve the usability of the MoneyPark website and MoneyPark’s services and to identify and correct any errors.

5. Web analysis

MoneyPark uses the following tracking technologies offered by third-party providers to improve its website:

Google Analytics is a service provided by Google Inc. Google Analytics uses cookies to allow Google to analyse your use of our offering (e.g. analyse your use of the MoneyPark website). The information collected by the cookie about the use of our website is stored by Google in an anonymised form. Google will not associate the IP address transmitted by your browser through Google Analytics with any other data held by Google. Google will only transfer this data to third parties if required to do so by law or within the framework of contract data processing. You can find detailed information about Google Analytics and data protection at https://tools.google.com/dlpage/gaoptout?hl=en-GB and http://www.google.com/intl/en/analytics/privacyoverview.html

MoneyPark also uses Google Optimise. Google Optimise analyses the use of different variants of the MoneyPark website and helps improve user-friendliness based on users’ behaviour on the MoneyPark website. Google Optimise is a tool integrated into Google Analytics. For more information about this, visit: https://support.google.com/optimize/answer/6230273?hl=en

Finally, MoneyPark uses Hotjar from Hotjar Ltd., Malta, to improve the MoneyPark website and analyse visits to the site. Hotjar analyses user data and collects information via cookies, but only in an anonymised form. For more information about this, visit: https://www.hotjar.com/legal/policies/privacy

6. Social plugins

MoneyPark uses social plugins offered by the social networks Facebook (Facebook Inc.), Twitter (Twitter Inc.) and LinkedIn (LinkedIn Inc.). The plugins are labelled with the corresponding logos of Facebook, Twitter or LinkedIn.

7. Collection, storage, processing and usage of data

Your personal data is collected, stored and processed for the provision of our services as a registered user and for the provision of our services in accordance with the respective consultancy agreement. The data is stored on a server in Switzerland.

The data will also be used for the following purposes:  

7.1 Newsletter

If you have registered for the newsletter, we will use your data to send you this. The MoneyPark newsletter is sent using the so-called double opt-in procedure. The newsletter will therefore only be sent by e-mail if you confirm (by clicking on the corresponding e-mail in a notification e-mail sent by MoneyPark) that the newsletter service should be activated. You can unsubscribe from MoneyPark’s newsletter service at any time by notifying MoneyPark or clicking on the unsubscription link contained in every newsletter.

7.2. Using personal data for individual recommendations

MoneyPark also uses data to give users individual recommendations in their user account or by e-mail and to improve the MoneyPark website and online offering.

The data that users transfer to MoneyPark will be analysed (e.g. information on services used, the computer and its connection to the internet, operating system and platform). The use of personal data for individualised recommendations can be prevented at any time by way of a corresponding notification to MoneyPark.

7.3. Using data for market and opinion research purposes

MoneyPark also uses user data for market and opinion research. MoneyPark uses data exclusively in an anonymised form for this purpose and only for statistical purposes. Data will not be passed on to third parties or published. The use of personal data for market and opinion research can be prevented at any time by way of a corresponding notification to MoneyPark.

8. Transfer to third parties

Your personal data will only be passed on to third parties or otherwise transferred if the user has expressly consented to this.

However, transfer within the MoneyPark Group, including to agency partners, is also possible without explicit consent, provided that this is required for the purpose of contract processing or involving or providing technological services for our website.

MoneyPark also uses your data to allow third parties in Switzerland and abroad to execute technological, logistical or other services on our behalf. We transfer this data without explicit consent.

9. Secure data transfer

MoneyPark takes technological and organisational measures to protect personal data from unauthorised access, accidental or deliberate manipulation, loss and destruction.

The user is nevertheless aware that the electronic transfer of data harbours uncertainties.

If, in individual cases, data is transferred abroad to countries that do not offer an equivalent level of data protection to that of Switzerland, we will agree on the compliance of the required data protection provisions with third parties in a suitable way, e.g. by way of contract.

10. Storage/deletion

Your personal data shall be deleted as far as legal storage obligations do not contradict this and if you have asserted a claim for deletion, if the data is no longer required to fulfil the purpose pursued by the storage or if the storage is prohibited for other legal reasons.

11. Right of access

Users have the right to request information about the personal information stored about them and, if necessary, to have data corrected, blocked or deleted. Please send your request clearly stating your identity by e-mail to: info@moneypark.ch or by letter to: MoneyPark AG, Brandschenkestrasse 30, CH-8001 Zurich.

12. Amendment to data protection provisions

MoneyPark reserves the right to amend this privacy policy at any time within the scope of legal regulations. The data protection regulations posted on the website shall always apply.

Zurich, September 2019

Current mortgage rates

Libor mortgage from 0.55%
Fixed-rate 10 years from 0.72%
Fixed-rate 5 years from 0.53%

The displayed interest rates are the best rates currently available. Your personal interest rates may vary depending on LTV, affordability, mortgage amount and the location of the property.