Termes et conditions / Confidentialité

Conseil hypothécaire MoneyPark

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TERMS OF USE/ DISCLAIMER OF LIABILITY

Hereinafter terms serve the purpose to regulate the use of the website of MoneyPark AG (MP). Users of this Website (MP Website) accept the legally binding effects of these terms of use and the disclaimer of liability (Terms of Use).

1. Contents of the MP Website. Any materials available on the MP Website serve merely to information purposes and is not to be construed as a solicitation or a binding offer to fee-based advice, unless it is explicitly indicated otherwise. Unless specifically stated otherwise, all price information is indicative only. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the materials of the MP Website, notably the warranty of copyrights and other rights, the marketability or the suitability for a specific purpose. The disclosed materials on the MP Website should not be regarded by recipients as a substitute for the exercise of their own judgment. Any materials are subject to change without notice. MP is not obliged to update the information on the MP Website.

2. Nature of the Comparison Services. The comparison services available on the MP Website are for information purpose only. The results of the comparisons are not to be construed as advertisement, solicitations or suggestions to buy the proposed products or services. MP emphasizes that no payments or any other benefits are accepted for the comparisons from the providers of the products or services. MP uses the most progressive and comprehensive parameters for its comparisons, but cannot offer any warranty that the proposed products or services are in fact the best suitable for the user.

3. Disclaimer of Liability. To the fullest extend permitted by law, in no event shall MP or any of its employees have any liability too any person for an direct or indirect loss, liability, costs, claims, expenses or damages of any kind, including also liability for negligence arising out of or related to the use of all or part of the MP Website, even if MP has been advised of the possibility of the same.

4. Links. The MP Website may contain third party content or links to third party websites. MP has no control over, does not assume any responsibility for and does not make any warranties or representations as to, any third party content or websites, notably also for the accuracy, subject matter, quality and timeliness. MP excludes liability for third party content or websites or websites linking to or framing the MP Website.

5. Intellectual Property Rights. MP retains all rights, title and interests (including copyrights, trademarks, patents as well as any other intellectual property or other right) in all information and content (including all text, data, graphics and logos) on the MP Website. Individual pages and/or sections of the MP Website may be printed for personal or internal use only, and provided that such copies retain all applicable copyright or other proprietary rights. Users are prohibited, subject to prior written permission of MP, without limitation to modify, copy, transmit, distribute, display, perform, reproduce, publish, license, frame, create derivative works from, transfer or otherwise use in any other way for commercial or public purposes in whole or in part any information, text, graphics, images, video clips, directories, databases, listings obtained from the MP Website. Systematic retrieval of content from the MP Website to create or compile, directly or indirectly, a collection, compilation, database or directory or creating links to the MP Website without prior written permission from MP is prohibited.

6. Newsletter. The MP newsletter is sent using the so-called opt-out procedure. By filling out an advisory request form on the MP website, the User agrees to receive expert tips from MP via email. By unchecking the „Receive expert tips via email“ check box, the User has the possibility to refrain from receiving expert tips from MP. Users who choose to receive expert tips from MP have the possibility to unsubscribe from this service any time.

7. Severability Clause. In the event that any of the terms or provisions of this general terms and conditions are or shall become invalid, illegal or unenforceable, the remaining terms and provision hereof shall survive unaffected. The invalid, illegal or unenforceable term or provision shall be substituted with a valid and enforceable provision whose effects are the most similar to the intended economic purpose of the invalid, illegal or unenforceable term or provision.

Zurich, August 2012

PRIVACY POLICY

Your privacy is important to MoneyPark AG (MP). MP is committed to the protection of your data and a collection, processing and use within the law. Users of this website (MP Website) accept the hereinafter terms of the privacy policy. If you do not agree to this Statement, do not proceed to further web pages of the MP Website. Registered users further consent to the collection, processing and use of their personal data pursuant to the terms of point 7 to 12.

1. Principle & Purpose. MP is committed to the lawful collection, processing and use of user data. Hereinafter terms explain the manner and the purpose for which MP is collecting, processing and using user data.

2. Cookies. Cookies are small data that are saved on your data medium and that contain certain settings and data regarding your interaction with our systems via your browsers. This allows a facilitated use of the MP Website, for instance by remembering certain settings from your last visit. MP uses session-cookies, which are deleted automatically at the end of a browser session, as well as temporary/permanent cookies, which remain saved for a period of 1 month to 10 years until they are deleted automatically or until a manual deletion. The data are exclusively used to customize the MP Website to your preferences. To this end, MP also uses cookies of third parties. MP Website uses the retargeting-technology, which enables MP to approach users individually based on an analysis of their interaction history on the MP Website. The collected data are not personal (e.g. name or IP-address) and are saved in an anonymous manner. They show for instance, which pages of the MP Website were visited. Allowing cookies in the browser is not a requirement to visit the MP Website.

3. Log Data. With every access of the MP Website usage data are transmitted via the respective internet browser to MP and saved in so-called server log files. The gathered data contain following information: date, time and duration of the visit on the MP Website, the names of the visited web pages, IP-address, referral-URL, the transmitted amount of data, the product and version details of the used internet browser and the surfing-behaviour on the MP Website. The IP-addresses of the users are deleted or made anonymous in order to make individual indications on the personal or factual situation or the allocation of the IP-address to a determinable natural person impossible or only achievable with a disproportional amount of time, costs and effort. The information of these log files is assessed in anonymous manner with the aim to improve the user friendliness and identify and correct possible errors of the MP Website and the MP’s services.

4. Web Analysis. MP uses following tracking technologies from third parties with the purpose to improve the MP Website: Google Analytics is a service provided by Google Inc. Google Analytics uses Cookies to analyse the use of MP’s services. The gathered information is saved in an anonymous manner by Goole. Data collected in the context of Google Analytics are not combined with other data of Google. A transmission of this data from Google to third parties is only permissible in case of a respective legal obligation or in the context of order data processing. Detail information on Google Analytics, its privacy policy and instructions how it can be deactivated can be found here: http://tools.google.com/dlpage/gaoptout?hl=en and http://www.google.com/intl/en/analytics/privacyoverview.html. KISSmetrics is a web analysis service provided by Space Pencil, Inc. Kissmetrics uses only first-party cookies which can be deleted by deleting the internet browser cookies. The kissmetrics-tracking can be deactivated by using the opt-out link, which can be found here: http://www.kissmetrics.com/user-privacy. Crazyegg is a service by Crazy Egg Inc. The service evaluates with cookies how users interact with the MP Website (e.g. which links are clicked). Crazyegg does by no means save any personal data, nor are the collected data transmitted to third parties. Crazyegg can be deactivated by sending a short notification to contact@crazyegg.com. Details on Crazyegg’s privacy policy can be found here: http://www.crazyegg.com/privacy/.

5. Social Plugins. MP uses Social Plugins from the social networks Facebook by Facebook Inc., Twitter by Twitter Inc. and LinkedIn by LinkedIn Inc. These plugins are labelled with the respective logos of Facebook, Twitter or LinkedIn.

6. Newsletter. MP uses the so-called double opt-in process for its newsletter: Newsletters by e-mail are only sent if the recipient confirms (by clicking on a respective link contained in a priorly sent confirmation e-mail) that the newsletter service shall be activated. The newsletter service can be deactivated at any time by sending a notification to MP or by clicking on the deactivating-link enclosed in every newsletter.

7. Personal Data. Personal data is defined as information regarding the personal or factual situation of a determined or determinable natural person, for instance the name, telephone number, address and all other information that is provided by users in the registration process and the subsequent use of the online account. Personal data are collected, saved and processed for the use of MP’s services as registered user. Personal data is only transmitted in any form to third parties with the explicit prior consent of the user. The data are deleted as soon as they become redundant for the purpose for which they were collected or if the user asserts the right to delete the data.

8. User Account. MP provides for users who complete the registration process on the MP Website a password protected direct access to user information. In this restricted area of the MP Website, users can consult at all times the used services and administer their user information. Registered users are obliged to handle their personal login data confidentially and must not make them available to unauthorized third parties. MP is not liable for any damages and any other disadvantages arising from abusively used login data.

9. Use of Personal Data for Individual Service Suggestions. MP uses personal data to provide users with individual advice and service suggestions via the user account or e-mail and to improve the MP Website and its internet services. Thereto, personal user data is analysed (e.g. information on the used services, on the computer and the internet connection, the operation system and platform). MP uses only personal information on a pseudonymized manner. The use of personal data for individual advice and service suggestions can be deactivated at all times by a sending a notification to MP.

10. Use of Data for Market and Attitude Research. MP uses personal data for market and attitude research. MP only uses personal data in anonymised form and only for statistical purposes. The used data and the results of the market and attitude research are not passed to third parties or published. The use of personal data for market and attitude research can be deactivated at all times by sending a notification to MP.

11. Secure Data Transmission. MP uses technological and organizational measures to secure personal data from unauthorized access, accidental or intentional manipulation, loss and deletion.

12. Right to Information. Users have the right to demand for information on the saved data and if necessary to ask for a correction, detention or deletion of data. Please direct your inquiry with a clear identification of your person to: Electronical: info@moneypark.com By mail: MoneyPark AG Gartenstr. 14 8002 Zürich

Zürich, August 2012

Taux d'intérêt hypothécaires actuels

LIBOR-Hypothèque à partir de 0,56%
Hypothèque à taux fixe 10 ans à partir de 1,18%
Hypothèque à taux fixe 5 ans à partir de 0,69%

Les taux d’intérêts indiqués sont aux meilleures conditions actuelles. Votre taux d'intérêt individuel peut varier en fonction du taux d’avance, du taux d’endettement, du volume hypothécaire et du lieu du bien immobilier.