Alpengeld Lebaar Credit Solutions - Seamless Mobile Banking

Alpengeld Lebaar Credit Solutions ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our site and our range of financial technology services, including mobile banking solutions, credit top-up services, payment gateway integration, risk management solutions, and fraud detection. We operate from 12 Bahnhofstrasse, 3rd Floor, Zurich, Zurich, 8001, Switzerland. You can reach us at +41 44 200 40 00.

What Information We Collect

We collect information from and about you to provide and improve our services. This may include:

Personal Information: This includes information that can be used to identify you, such as your name, address, date of birth, email address, phone number, financial information (e.g., bank account details), and government-issued identification. We collect this information when you register for an account, use our services, or contact us directly.
Transaction Information: We collect information about your transactions made through our service, including the amount, date, time, and location of the transaction.
Device Information: We collect information about the devices you use to access our services, including the device type, operating system, unique device identifiers, IP address, and mobile network information.
Usage Information: We collect information about how you use our services, including the pages you visit, the features you use, and the links you click.
Cookies and Similar Technologies: We use cookies and similar technologies to collect information about your browsing activity on our site. You can control the use of cookies through your browser settings.
Information from Third Parties: We may receive information about you from third parties, such as credit bureaus, identity verification services, and other financial institutions.

How We Use Your Information

We use your information for the following purposes:

To Provide and Improve Our Services: We use your information to provide you with our services, including processing transactions, managing your account, and providing customer support. We also use your information to improve our services and develop new features.
To Comply with Legal and Regulatory Requirements: We use your information to comply with applicable laws and regulations, including anti-money laundering and fraud prevention laws.
To Prevent Fraud and Abuse: We use your information to detect and prevent fraud, abuse, and other illegal activities.
To Personalize Your Experience: We use your information to personalize your experience on our site, such as showing you content that is relevant to your interests.
To Communicate with You: We use your information to communicate with you about our services, including sending you updates, notifications, and marketing materials. You can opt out of receiving marketing materials at any time.
For Risk Management: We analyze data to assess and manage financial risks associated with our services and users.

How We Share Your Information

We may share your information with the following categories of recipients:

Service Providers: We share your information with third-party service providers who help us provide our services, such as payment processors, data analytics providers, and customer support providers. These service providers are contractually obligated to protect your information and only use it for the purposes we specify.
Financial Institutions: We share your information with financial institutions to process transactions and comply with regulatory requirements.
Credit Bureaus: We share your information with credit bureaus to assess your creditworthiness and report on your payment history.
Law Enforcement and Government Agencies: We may disclose your information to law enforcement and government agencies if we are required to do so by law or legal process.
Business Transfers: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
With Your Consent: We may share your information with third parties with your consent.

Data Security

We take reasonable measures to protect your information from unauthorized access, use, or disclosure. These measures include:

Using encryption to protect your information during transmission.
Storing your information on secure servers.
Implementing access controls to restrict access to your information.
Regularly monitoring our systems for security vulnerabilities.

Data Retention

We will retain your information for as long as necessary to provide you with our services, comply with legal and regulatory requirements, and protect our legitimate business interests. The specific retention period will depend on the nature of the information and the purpose for which it was collected.

Your Rights Under GDPR and Other Laws

You have certain rights regarding your personal information, including:

The Right to Access: You have the right to access the personal information we hold about you.
The Right to Rectification: You have the right to have inaccurate or incomplete personal information corrected.
The Right to Erasure: You have the right to have your personal information erased under certain circumstances.
The Right to Restriction of Processing: You have the right to restrict the processing of your personal information under certain circumstances.
The Right to Data Portability: You have the right to receive your personal information in a structured, commonly used, and machine-readable format and to transmit it to another controller.
The Right to Object: You have the right to object to the processing of your personal information under certain circumstances.
The Right to Withdraw Consent: If we are processing your personal information based on your consent, you have the right to withdraw your consent at any time.

To exercise your rights, please contact us at the address provided above. We will respond to your request within a reasonable timeframe.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post any changes on our site. Your continued use of our services after the effective date of the updated Privacy Policy constitutes your acceptance of the changes.

If you have any questions about this Privacy Policy, please contact us at:

Alpengeld Lebaar Credit Solutions 12 Bahnhofstrasse, 3rd Floor, Zurich, Zurich, 8001 Switzerland +41 44 200 40 00

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