Data protection declaration

 

Version from January 2025


This page has been machine translated. The version on the German page applies.

 

In this data protection declaration, we, PAY SMART (hereinafter referred to as "PAY SMART"), explain how we collect and otherwise process personal data.

If you provide us with personal data of other people, please ensure that these people are aware of this data protection declaration and only provide us with their personal data if you are permitted to do so and if this personal data is correct.

Respecting privacy and handling your personal data with confidence is important to us. Compliance with the statutory provisions on data protection is a matter of course for us. This is not an exhaustive description; other data protection declarations (e.g. general terms and conditions, conditions of participation and similar documents) may regulate specific issues. Personal data is understood to mean all information that relates to a specific or identifiable person.

 

1 Responsible

The person responsible for data processing is:
PAY SMART AG,
CH-6300 Zug (ZG)

2 What types of personal data are processed and what are they used for? 2.1 Types of personal data processed

2.1.1 When using the website

  • Inventory data (e.g. names, addresses)
  • Contact details (e.g. email, telephone numbers)
  • Content data (e.g. entries in online forms)
  • Usage data (e.g. websites visited, interest in content, access times)
  • Meta/communication data (e.g. device information, IP addresses)
  • Contract data (e.g. subject matter of the contract, term, customer category)
  • Payment data (e.g. bank details, invoices, payment history)
     

2.1.2 Processing of invoice recipients (debtor data)

  • The following debtor data can be processed by us:
  • Inventory, contact data (name, address, legal representative, place of birth, address, email, etc.)
  • Insolvency data and asset data (extract from the debt collection register, business and tax information, etc.)
  • Employer and salary data (attachment)
  • Insurance data (attachment)

 

2.1.3 Processing of customer/creditor data

The following customer/creditor data can be processed by us:

  • Inventory and contact details (name, address, email, etc.)
  • With PAY SMART, creditors have the option of using a web application (creditor platform) that serves as a secure communication platform for transferring claims, notifying incoming payments, etc. Use of the platform is voluntary; the creditor gives his consent by registering on the platform and can revoke this consent at any time; online access is then deleted. Creditors who do not use this platform can reach PAY SMART via other communication channels.
  •  

2.1.4 Processing of applicant data

We can process the following applicant data:

Applicant data (e.g. personal details, postal and contact addresses, the documents associated with the application and the information contained therein, such as cover letters, CVs, certificates and other information about the person or qualifications provided by applicants in relation to a specific position or voluntarily)

 

2.2 Purpose of processing

  • Provision of the online offer, its functions and contents
  • Answering contact requests and communication with you
  • Application process (establishment of the employment relationship), see also section 6
  • Security measures
  • Tracking (e.g. interest/behavior-related profiling, use of cookies)
  • Contacting you (e.g. making an appointment)
  •  

When you visit our website, personal data is processed in order to be able to display the contents of the website on your device. We offer various ways of contacting us on our website (e.g. via contact form, email, telephone or via social media) through which you can request information about our services or contact us in general. We have marked the data that is absolutely necessary for you to answer an inquiry as mandatory fields.

 

  • Provision of contractual services (in particular credit reports)
    actual relationships with regard to the resulting rights and obligations in debt collection. Personal data is processed for the purpose of debt collection as a result of debtor default.
  • Debt collection as a result of debtor default and legal debt management (e.g. arbitration and litigation proceedings)
  •  

The purpose of processing is in particular to protect creditors (protection of the legitimate interests of the debtor listed in the reminder), protection of general credit transactions against credit losses, processing and support of existing debt management contra

 

  • Offering training courses
  • Legal advice
  • Other specified uses
  •  

We generally offer legal advice and various training courses. We process your personal data when providing these services.

 

 

3 Who do we pass your personal data on to?

If personal data is processed by external processors or responsible persons, we ensure that the legal requirements are complied with. In principle, data is only passed on to third parties if this is necessary for the performance of the contract with you, fi

the transfer is permissible on the basis of a balance of interests, we are legally obliged to pass it on or you have given your consent to this. Regular recipients of personal data can fall into the following categories: Service providers, such as IT service providers Customers Banks Credit reporting agencies Domestic and foreign authorities Official offices or courts Lawyers Bailiffs Third-party debtors

It may be necessary to disclose personal data to recipients based in countries that do not have an adequate level of data protection. If data is transferred to such a country, we require the recipient to take appropriate measures to protect personal data (e.g. by agreeing to so-called European standard contractual clauses, other precautions or based on justification). In connection with the use of various online tools (Section 5 below), we describe the transfer of data abroad separately.

 

4 What are cookies and when are they used?

When you visit our website, a small file called a "cookie" is saved in the user's computer memory. Cookies are designed to make our website more user-friendly and effective and to make your visit to our website as pleasant as possible. Cookies do not harm your computer. They cannot run programs and do not contain viruses. Cookies also enable us to analyze how you use our website. The information we receive and save via "cookies" during a normal visit to your website is used exclusively within PAY SMART or companies affiliated with us to optimize the website and the user experience. Most internet browsers are normally set to accept cookies. If you do not want this, you can set your browser to inform you when cookies are set and to only allow cookies in specific cases or to generally exclude them. You can also activate the automatic deletion of cookies when closing the browser. You can also delete cookies that have already been set at any time using an Internet browser or other software programs.

The procedure for controlling and deleting cookies depends on the browser you use. You can find information about this in the help menu of your browser. Please note that individual functions of our website may not work if you deactivate the use of cookies.

5 Wie nutzen wir Google-Dienste? 

Auf unseren Websites nutzen wir verschiedene Dienste der Google LLC mit Sitz in den USA, bzw. wenn Sie Ihren gewöhnlichen Aufenthalt im Europäischen Wirtschaftsraum (EWR) oder der Schweiz haben, Google Ireland Limited, mit Sitz in Irland («Google»). Für die Bearbeitung von Personendaten bei der Nutzung von «Google Maps» ist immer Google LLC verantwortlich. Wir setzen die folgenden Google Dienste auf unseren Websites ein: 

  • Google Analytics 
  • Google Maps 
  • Google reCAPTCHA 

You can find more information about the individual services below. Google uses technologies such as cookies, web storage in the browser and tracking pixels, which enable an analysis of your use of our website. The information generated in this way about your use of our website can be transmitted to a Google server in the USA and stored there. Google says it can process personal data for advertising products in any country in which Google or Google subcontractors maintain facilities. Information about the locations of Google's data centers can be found at www.google.com/about/datacenters/locations/. The following subcontractors can be used for Google Analytics: https://business.safety.google/adssubprocessors/. Google promises to ensure an appropriate level of data protection by relying on the EU standard contractual clauses (see https://business.safety.google/processorterms/). For more information about Google's processing and privacy settings, please see Google's privacy policy or privacy settings.

 

5.1 Google Analytics

We use the web analysis service Google Analytics to analyse our websites and their visitors.

Google Analytics uses cookies that are stored on your device (laptop, tablet, smartphone, etc.) and enable an analysis of your use of our website. This enables us to evaluate user behaviour on our website and use the statistics/reports obtained to make our offer more interesting.

The information generated by the cookie about your use of our website (including your IP address) is usually transmitted to a Google server in the USA or Ireland and stored there.

In Google Analytics, the anonymisation of IP addresses is activated by default. This means that your IP address is shortened by Google within Switzerland or the EU/EEA before being transmitted to the USA. Only in exceptional cases is the full IP address transmitted to a Google server in the USA and shortened there.

Google uses this information to evaluate your pseudonymous use of our websites, to compile reports on website activity and to provide us with other services relating to website activity and Internet usage. According to Google, the IP address transmitted by your browser as part of Google Analytics will not be merged with other Google data. When you visit our websites, your user behavior in the form of events (such as page views, interaction with the website or your "click path") as well as other data such as your approximate location (country and city), technical information about your browser and the devices you use or the referrer URL, i.e. which website/advertising medium you used to access our website, is recorded. You can prevent the collection and transmission of data generated by the cookie and relating to your use of our websites (including your IP address) to Google as well as the processing of this data by Google by downloading and installing the browser add-on to deactivate Google Analytics. If you would like to object to interest-based advertising by Google, you can use the settings and opt-out options provided by Google. An overview of data usage in Google Analytics and the measures taken by Google to protect your data can be found in the Google Analytics Help Center. For more information on the Google Analytics terms of use and Google's privacy policy, please see the relevant documents.

 

5.2 Google reCAPTCHA 

The reCAPTCHA function helps us distinguish whether an entry (e.g. in a contact form) is made by a human or automated by a computer program (so-called bots). In this way, we want to ensure the security of our websites and in particular protect them from automated entries (or attacks) and spam. To do this, reCAPTCHA analyzes the behavior of the website visitor based on various characteristics. These analyses run completely in the background and start automatically as soon as you access our websites. To distinguish between people and bots, Google analyzes various information, such as the IP address of the device used, the length of time spent on the website, the browser and operating system used, or mouse movements made by the website visitor. For more information about how Google uses the data collected in this way, please see Google's privacy policy and terms of use. 

 

5.3 Google Maps

M

With Google Maps we can show you interactive maps directly on the website and enable you to use the map function conveniently.

By using Google Maps, information about your use of our websites (including your IP address) can be transmitted and stored. Google may store this data as usage profiles for the purposes of needs-based design of services, advertising and market research. If you are logged in to Google, your data will be assigned directly to your account. If you do not want this, you must log out first.

If you do not agree to this processing of your information, you have the option of deactivating the Google Maps service. To do this, you must deactivate the Java Script function in your browser. However, we would like to point out that this may also affect other functions of our websites.

For more information, see the Google Maps Terms of Use.

 

 

6 How do we handle applicant data?

6.1 Handling applicant data

You have the option of sending us an application (e.g. by post or email). If you apply for a position with us, we will process the personal data that we receive from you as part of the application process. In addition to your personal details, education, work experience and skills, this includes the usual correspondence data such as postal address, email address and telephone number. In addition, all documents submitted by you in connection with the application, such as a letter of motivation, CV and certificates, will be processed. Applicants can also voluntarily send us additional information. This data will only be stored, evaluated, processed or forwarded internally as part of your application. It can also be processed for statistical purposes (e.g. reporting). In this case, no conclusions can be drawn about individual people.

6.2 Applicant pool

If no employment relationship is established, the applicant can be included in our applicant pool. All application details are saved so that the relevant person can be contacted when suitable job advertisements arise. The data is only saved in the applicant pool after consent has been given.

 

7 Links to other websites

Our websites may contain links to other websites. We have no control over the privacy practices or content of these other websites. Therefore, we encourage you to carefully read the respective privacy policies of these other websites that you visit.

 

 

8 Changes to the privacy policy

We expressly reserve the right to add to or change this privacy policy at any time. The version published on our website in German applies.