Possible with the credit that gives you financial leeway – and the good feeling of staying flexible.
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I
acknowledge and give my consent that Cembra Money Bank AG (“Bank”) may forward
my application over the internet, via email or fax/post. Furthermore I
acknowledge:
Credit
Check and Data on Credit information: I confirm that all details stated above
are correct and I authorise the Bank to gather all information about me
required to verify this application and to handle the contractual relationship,
for example from banks, external credit analysts, public authorities, the
Central Agency for Credit Information (ZEK), the Information Agency for
Consumer Credit (IKO) as well as from other bodies in the case of corresponding
statutory obligations. The Bank may also register details of your application
with ZEK and IKO. I acknowledge the right of ZEK and IKO to inform their
members about the data received. Any possible data blocks ordered by me will
not apply to the Bank. I agree that certain credit information about my person
obtained in this connection from third parties, namely data from ZEK and IKO in
connection with the assessment of the application and the execution of the
contract, may be retrieved, processed and stored by the Bank and its
contractual partners (including intermediaries) outside of Switzerland.
Contractual partners and their employees are obliged to comply with data
protection according to the requirements of the Federal Law on Data Protection,
to observe banking confidentiality according to the Federal Banking Act and are
bound by confidentiality in general.
In
the case that I have given data regarding my spouse or legal partner (both
referred to as “partner”) I confirm that (i) I have informed my partner of this
application (ii) the Bank may directly contact my partner to verify his/her
submitted information above (iii) my partner understands and gives consent to
the Bank making the necessary credit checks as described above (including ZEK
information checks).
In
order to determine your creditworthiness, the Bank requires your personal data,
which you transmit via the Internet and/or electronic communication. You are
aware and you expressly agree that the Bank can pass on your data to service
providers as mentioned above for this purpose and that your data and documents
can be processed and stored for this purpose. The data will be stored after termination
of the contract and after balancing the account until expiry of the legal
retention period. After expiry of the legal retention period the data will be
deleted. Further legal information as well as information on data protection
are available on the link "Legal Information" below.
Personal
Data and Data Protection: I authorise the Bank to process and analyse my data
and to use my data for marketing purposes and evaluations both in Switzerland
and abroad. I can revoke this authorisation at any time.
The
Bank may outsource services to third parties ("service providers"),
in particular in the area of handling business processes, IT security and
system control, marketing research, the calculation of business-relevant credit
and market risks as well as the administration of contractual relations (e.g.
application and contract processing, debt enforcement, customer communication).
I agree that service providers may have access to all my data in connection
with the services provided.
The
Bank may arrange for my data to be processed in countries which do not have a
level of data protection equivalent to that in Switzerland, and may entrust
service providers in such countries with the processing of my data. Data will
only be transferred after the service provider has committed to maintaining an
adequate level of data protection. I am aware and give my consent to my data
being transmitted and processed abroad and also over the internet. The Bank has
the right to reject this application without giving grounds.
This
application shall be transferred in encrypted form. Further correspondence
concerning the application, in particular correspondence sent by electronic
communication such as email and SMS, may also be transferred in unencrypted
form. I give my consent to the use of electronic communication media in
correspondence with the Bank. In particular, I am aware of the following risks
in connection with the use of electronic communication media:
It’s that easy to start with Verbium
Before setting up, think about the appropriate legal form for your idea. If required, we can advise you personally or by phone. So you can clarify any specific questions that arise to your founding with one of our specialists. Make an appointment now.
If you know what kind of legal form you want to set up, you can contact us without any obligation, to make you an offer quickly or choose one of our packages below. Afterwards you can record the most important cornerstones of your company in just a few steps and commission the foundation with us.
Our experts advise you on the tax and liability aspects of various types of companies
After we have received your order, we will check the details and contact you within 24 hours. This also includes the review of your chosen company name for possible conflicts in the context of corporate and trademark law. Open points will be discussed with you and adjusted if necessary directly about us. Afterwards you receive from us all documents, which are needed for your establishment fast and uncomplicatedly by email. So you can check these in peace again.
If you have checked all the documents and they are correct, print out the documents and sign them. Anyone who is authorized to sign up for your company must have their signature certified. Depending on the canton, you can do this at the municipal administration or a notary’s office.
When founding a corporation (AG or GmbH), a capital payment confirmation is also required (if you deposit the share capital in cash). This will be issued to you by the bank where you have paid the start-up capital for your company.
The signed documents will be sent to us together with the certified signatures and the confirmation of payment of capital (AG or GmbH).
The documents are again checked for completeness. If all required documents and signatures are available, we pass them on to our notary. This carries out the public certification and thus the actual founding act. Afterwards, the notary will register your company directly with the competent commercial register office for registration.
Your company is now officially “in formation”.
The documents are again checked for completeness. If all required documents and signatures are available, we pass them on to our notary. This carries out the public certification and thus the actual founding act. Afterwards, the notary will register your company directly with the competent commercial register office for registration.
Your company is now officially “in formation”.
In a few steps, you can calculate a non-binding offer!
* Please enter your expected turnover for the first 12 months from the foundation. From a worldwide turnover of CHF 100'000 per year (services and delivery of goods) you are subject to VAT (Art. 21 of the VAT Act). In this case we would like to apply for a VAT number.
verbium GmbH was founded in 2016 and has the main objective of providing loans to private customers. In addition, our company supports Startups and business customers in the founding and accounting.
