{"id":1092,"date":"2025-02-19T13:37:15","date_gmt":"2025-02-19T13:37:15","guid":{"rendered":"https:\/\/finovate.vamtam.com\/?page_id=1092"},"modified":"2026-01-24T12:07:04","modified_gmt":"2026-01-24T12:07:04","slug":"datenschutzbestimmungen","status":"publish","type":"page","link":"https:\/\/capiwell.ch\/de\/privacy-policy\/","title":{"rendered":"Datenschutzbestimmungen"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1092\" class=\"elementor elementor-1092\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b06d04 e-flex e-con-boxed e-con e-parent\" data-id=\"1b06d04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a598f7c elementor-widget elementor-widget-text-editor\" data-id=\"a598f7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Dated: 01.11.2025<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29ce603 elementor-widget elementor-widget-image\" data-id=\"29ce603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"298\" src=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/09\/privacy-policy-main-1024x298.jpg\" class=\"attachment-large size-large wp-image-989009\" alt=\"\" srcset=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/09\/privacy-policy-main-1024x298.jpg 1024w, https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/09\/privacy-policy-main-300x87.jpg 300w, https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/09\/privacy-policy-main-768x224.jpg 768w, https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/09\/privacy-policy-main-1536x447.jpg 1536w, https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/09\/privacy-policy-main-18x5.jpg 18w, https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/09\/privacy-policy-main.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1e8912 e-flex e-con-boxed e-con e-parent\" data-id=\"c1e8912\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19b6271 elementor-widget elementor-widget-heading\" data-id=\"19b6271\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1. Introduction <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb7bd66 elementor-widget elementor-widget-text-editor\" data-id=\"eb7bd66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At Monty Capital SA, we are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you use our crowdlending platform, <a href=\"http:\/\/www.capiwell.ch\">www.capiwell.ch<\/a>, and related services (the &#8220;Platform&#8221;). This Policy applies to all users, including Borrowers, Lenders (Investors), and visitors. By using our Platform or providing personal data, you acknowledge you have read, understood, and consent to the practices described in this Privacy Policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bff451 elementor-widget elementor-widget-heading\" data-id=\"7bff451\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">2. Data Controller <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e10cf8e elementor-widget elementor-widget-text-editor\" data-id=\"e10cf8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Monty Capital SA is the data controller responsible for your personal data processing.<br \/><br \/>Lead and customer data are collected and securely stored in a CRM hosted within the European Union and are disclosed only to authorized Monty Capital SA personnel.<br \/><br \/>Regular backups are maintained in Switzerland, ensuring rapid data recovery in the event of a disaster. The exact location of the data center is confidential but may be disclosed to the Client upon submission of a justified written request.<br \/><br \/>Contact details:<\/p><p><strong>Monty Capital SA<\/strong><br \/>Rue Du-Roveray 20 1207<br \/>Gen\u00e8ve<br \/>Switzerland<\/p><p>Email: <a href=\"mailto:info@capiwell.ch\">info@capiwell.ch<\/a><br \/>Phone: <a href=\"tel::+41223550076\">+41 22 35 50 076<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6784975 elementor-widget elementor-widget-text-editor\" data-id=\"6784975\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For any data protection questions, you may contact us at the above.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1b1131 elementor-widget elementor-widget-heading\" data-id=\"c1b1131\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">3. Types of Personal Data We Collect <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0925075 elementor-widget elementor-widget-text-editor\" data-id=\"0925075\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>To provide our services and comply with legal obligations, we collect and process personal data including but not limited to:<\/p><ul><li><strong>Identification Data:<\/strong> name, gender, date of birth, nationality, government-issued ID or passport numbers<\/li><li><strong>Contact Details:<\/strong> address, email, phone numbers<\/li><li><strong>Financial Data:<\/strong> bank account details, income information, repayment history, payroll slips, tax returns, balance sheets (for businesses), creditworthiness data<\/li><li><strong>Platform Usage Data:<\/strong> login credentials, IP addresses, device information, cookies, and analytics data from third-party tools such as Google Analytics<\/li><li><strong>Communication Data:<\/strong> emails, messages, and other communications you send or receive via the Platform<\/li><li><strong>Legal and Compliance Data:<\/strong> KYC (Know Your Customer) documents, verification data, AML (Anti-Money Laundering) checks<\/li><li><strong>Other Data:<\/strong> insurance data, marketing preferences, and optionally, data related to third parties you provide information about (e.g., spouse, business partners)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2039f98 elementor-widget elementor-widget-heading\" data-id=\"2039f98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">4.\tHow We Collect Personal Data <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-751a118 elementor-widget elementor-widget-text-editor\" data-id=\"751a118\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We collect data directly from you when you:<\/p><ul><li>Register and use our Platform as a Borrower, Lender, or visitor<\/li><li>Submit loan applications or investment orders<\/li><li>Communicate with us or respond to surveys<\/li><li>Use our Platform, including by cookies and tracking technologies that collect behavioral data<\/li><\/ul><p>We may also collect data from third-party sources, including:<\/p><ul><li>Credit bureaus and public or private registries (e.g., ZEK, IKO) for credit checks<\/li><li>Partners and service providers engaged to perform identity verification, credit assessments, or fraud prevention<\/li><li>Other third parties with your consent or as required by law<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23c69bb elementor-widget elementor-widget-heading\" data-id=\"23c69bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">5.\tPurpose of Processing and Legal Basis <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45f24e5 elementor-widget elementor-widget-text-editor\" data-id=\"45f24e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We process your personal data to:<\/p><ul><li>Facilitate loan agreements between Borrowers and Lenders, including assessment of creditworthiness and risk evaluations<\/li><li>Manage your membership and provide access to the Platform&#8217;s services<\/li><li>Verify your identity and perform regulatory compliance checks pursuant to Swiss AML laws and the Consumer Credit Act<\/li><li>Communicate important information, notices, and marketing materials (where consented)<\/li><li>Manage payments, repayments, fees, insurance, and debt collection<\/li><li>Ensure security and prevent fraud, misuse, or unauthorized access<\/li><li>Improve the Platform through analytics and statistical research<\/li><li>Fulfill contractual and legal obligations, including reporting to supervisory authorities<\/li><\/ul><p>The legal grounds for processing include:<\/p><ul><li>Performance of contracts and pre-contractual measures<\/li><li>Compliance with legal obligations<\/li><li>Legitimate interests pursued by us (for example, Platform security and marketing)<\/li><li>Your consent, where required<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0da4994 elementor-widget elementor-widget-heading\" data-id=\"0da4994\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">6.\tDisclosure of Personal Data <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6468a1 elementor-widget elementor-widget-text-editor\" data-id=\"b6468a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We may share your personal data with:<\/p><ul><li>Credit information offices (e.g., ZEK, IKO) for credit reporting and verification<\/li><li>Platform partners such as payment processors, insurance companies, and IT service providers<\/li><li>Regulatory authorities and law enforcement, when required by law or to enforce rights<\/li><li>Investors, with essential data necessary for the execution and management of loan agreements (limited disclosure, anonymized where possible)<\/li><li>Third-party service providers operating under confidentiality agreements to assist in service provision<\/li><li>Marketing partners and analytics providers, with your consent as applicable<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51053dd elementor-widget elementor-widget-heading\" data-id=\"51053dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">7.\tData Retention <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37fc4bc elementor-widget elementor-widget-text-editor\" data-id=\"37fc4bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We retain your personal data only as long as necessary for the purposes described in this Policy and in compliance with applicable laws. Retention periods may vary depending on the nature of data:<\/p><ul><li>For identification and anti-money laundering purposes, data is retained for at least 10 years after termination of the contractual relationship as required by Swiss law<\/li><li>For ongoing contractual relationships, data is stored for the duration of the contract plus any statutory limitation periods<\/li><li>For marketing data, retention lasts until you withdraw consent or opt out<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35b274f elementor-widget elementor-widget-heading\" data-id=\"35b274f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">8.\tYour Rights <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffdef02 elementor-widget elementor-widget-text-editor\" data-id=\"ffdef02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You have the following rights under applicable data protection laws:<\/p><ul><li><strong>Access:<\/strong> Request confirmation and access to your personal data<\/li><li><strong>Rectification:<\/strong> Correct inaccurate or incomplete data<\/li><li><strong>Erasure:<\/strong> Request deletion of your data where legally permissible<\/li><li><strong>Restriction:<\/strong> Limit processing under certain conditions<\/li><li><strong>Objection:<\/strong> Object to processing based on legitimate interests or marketing<\/li><li><strong>Data Portability:<\/strong> Receive your data in a commonly used, machine-readable format<\/li><li><strong>Withdraw Consent:<\/strong> Where processing is based on consent, you may withdraw it at any time<\/li><\/ul><p>To exercise your rights, please contact us at: [contact email]. We will respond in accordance with legal timeframes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-255da5f elementor-widget elementor-widget-heading\" data-id=\"255da5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">9. Security Measures<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9603d69 elementor-widget elementor-widget-text-editor\" data-id=\"9603d69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We implement appropriate technical and organizational measures to protect your data against unauthorized access, alteration, disclosure, or destruction. These include encryption, secure servers, access controls, and regular audits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28cf147 elementor-widget elementor-widget-heading\" data-id=\"28cf147\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">10. Cookies and Tracking Technologies<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2622bb5 elementor-widget elementor-widget-text-editor\" data-id=\"2622bb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Our Platform uses cookies and third-party analytics services such as Google Analytics to improve usability, analyze usage patterns, and deliver personalized content. You can manage cookie preferences through your browser settings and opt out of tracking where applicable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fb114e elementor-widget elementor-widget-heading\" data-id=\"1fb114e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">11. International Data Transfers<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a94cb9 elementor-widget elementor-widget-text-editor\" data-id=\"6a94cb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your personal data may be transferred to third parties or partners located in Switzerland or abroad. Where data is transferred outside the European Economic Area or Switzerland to countries without adequate data protection laws, we ensure appropriate safeguards such as standard contractual clauses or rely on applicable legal provisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d396ec elementor-widget elementor-widget-heading\" data-id=\"6d396ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">12. Changes to This Privacy Policy<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5de9a44 elementor-widget elementor-widget-text-editor\" data-id=\"5de9a44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We may update this Policy to reflect changes in legal requirements, our services, or operational practices. Updates will be posted on our Platform with the effective date. We encourage you to review the Policy regularly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f7af76 elementor-widget elementor-widget-heading\" data-id=\"0f7af76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">13. Contact and Complaints<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cce6c47 elementor-widget elementor-widget-text-editor\" data-id=\"cce6c47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you have concerns about how we process your data, please contact our data protection officer at:<\/p><p><strong>Monty Capital SA<\/strong><br \/>Rue Du-Roveray 20 1207<br \/>Gen\u00e8ve<br \/>Switzerland<\/p><p>Email: <a href=\"mailto:info@capiwell.ch\">info@capiwell.ch<\/a><br \/>Phone: <a href=\"tel::+41223550076\">+41 22 35 50 076<\/a><\/p><p>You also have the right to lodge a complaint with the competent data protection supervisory authority.<\/p><p>This Privacy Policy reflects best practices and disclosures modeled after the Monty Capital SA documents, meeting Swiss and international data protection expectations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Dated: 01.11.2025 1. Introduction At Monty Capital SA, we are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you use our crowdlending platform, www.capiwell.ch, and related services (the &#8220;Platform&#8221;). This Policy applies to all users, including Borrowers, Lenders (Investors), and visitors&#8230;.<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[],"class_list":["post-1092","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/capiwell.ch\/de\/wp-json\/wp\/v2\/pages\/1092","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/capiwell.ch\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/capiwell.ch\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/de\/wp-json\/wp\/v2\/comments?post=1092"}],"version-history":[{"count":36,"href":"https:\/\/capiwell.ch\/de\/wp-json\/wp\/v2\/pages\/1092\/revisions"}],"predecessor-version":[{"id":991414,"href":"https:\/\/capiwell.ch\/de\/wp-json\/wp\/v2\/pages\/1092\/revisions\/991414"}],"wp:attachment":[{"href":"https:\/\/capiwell.ch\/de\/wp-json\/wp\/v2\/media?parent=1092"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/capiwell.ch\/de\/wp-json\/wp\/v2\/categories?post=1092"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}