Legal Information

Legal Notice

Anyone using the website of SD Conseils financements et assurances Sàrl (here called SD Conseils) is invited to read these terms of use very carefully.


By accessing this website, the user declares that he fully agrees with the following conditions, which are written exclusively in French. If the user does not approve of the conditions defined below or does not fully understand them, he is requested to immediately renounce all access to the site.

Data security and confidentiality

The Internet is an open network accessible to all. When the user visits the SD Conseils website, third parties can draw conclusions about the possible existence of a commercial relationship between the user and SD Conseils. The transmission of information over the Internet may be subject to disturbances, delays or errors in the routing of data which are not under the power or responsibility of SD Conseils or another information provider. SD Conseils or the information providers are not responsible for damages or consequential damages resulting from such problems. Likewise, SD Conseils declines all responsibility in the event of any loss or damage of any kind caused by the use of this website or the information it contains. The information on this site is subject to change at any time without special notice. When the user activates given links on the SD Conseils site, it is possible that they leave the website. SD Conseils has not checked the other sites linked to the website by links and therefore declines all responsibility for their content and the products, services and other offers offered there.

Credit check and credit information

By completing a request on the SD Conseils site, I confirm that all my information provided is correct and I authorize the banks to obtain information about me in the context of the examination of my request and the execution of the contractual relationship, for example with other banks, external solvency analysts, public offices, the credit information center (ZEK), the consumer credit information center (IKO) or 'other bodies provided by law, as well as to notify ZEK, IKO or other bodies in accordance with the duty prescribed by law. I recognize the ZEK and the IKO the right to make the data notified to them accessible to their members. Any data locks decided by myself on the bank are considered to be lifted. I agree that the bank or its contractual partners may consult, process and record abroad certain credit information concerning me provided in this context by third parties, and in particular also that provided by the ZEK and the IKO within the framework of the examination of the request for credit and the execution of the contract. Contractual partners and their employees are required to comply with data protection in accordance with the requirements of the Federal Data Protection Act, bank secrecy in accordance with the Federal Bank Act and the principle of confidentiality.

Personal data and data protection

By virtue of art. 13 of the Federal Constitution and the data protection law, everyone has the right to respect for his private life and to be protected against the misuse of data concerning him. SD Conseils respects these provisions. The user is invited to different places on the SD Conseils website to enter their personal data. If it decides to communicate to SD Conseils personal data on the Internet or by email, we will process this data in accordance with data protection legislation. By contacting SD Conseils via the Internet, e-mail, mail or in any other way, the user authorizes the bank to process and analyze their data, as well as to use them for marketing and marketing purposes. internal analyzes in Switzerland and abroad. The user is entitled to revoke this authorization at any time. The bank may partially delegate services to third parties ("service providers"), in particular in the fields of process flow, IT security, systems management, market research, calculation of credit risks and market related to business, as well as the management of contractual relationships. The user accepts that providers have access to all of their data processed in this context. The bank can have their data processed in states which do not have data protection equivalent to that of Switzerland and instruct providers in such states to process my data. This data is only transmitted if these providers have previously committed to providing an adequate level of data protection. The user is aware that his data will be transmitted abroad and that this will also be done over the Internet. It accepts this type of data transmission as well as their processing in Switzerland and abroad. The bank has the right to refuse this request without giving reasons. The user is aware that the Internet is an open network accessible to all. Consequently, SD Conseils and the bank cannot guarantee the confidentiality of data transmitted over the Internet. The conclusions of third parties on an existing banking relationship or about to exist between myself and the bank are therefore possible.

The user declares to accept that SD Conseils occasionally sends information about the company, its products and services to its postal and e-mail address. The use of customer data for marketing purposes can be revoked at any time by the user in writing or by email.

Right of access and correction of data

In accordance with the provisions of the Federal Law of June 19, 1992 on data protection, any interested party can request, by sending a written and signed request to SD Conseils, to be communicated by mail the data concerning him. If such data is no longer up to date, inaccurate or incomplete, the interested party may ask SD Conseils to modify the data concerning him accordingly. He can also ask him to delete them at any time.

Intellectual property

This entire website is the exclusive property of the company SD Conseils, subject to rights belonging to third parties. Reproduction (partial or complete), transmission (in electronic form or by other means of communication), modification, creation of links or use of the SD Conseils website for public or commercial purposes is prohibited without 'prior written consent from SD Conseils. Any resumption or any use, for any reason whatsoever, of the textual, graphic or combined marks (such as logos in particular) registered by SD Conseils or of which it is the beneficiary are also prohibited, subject to the express written authorization of the 'have right.

No offer

The information published on the SD Conseils website does not constitute an offer, a recommendation to buy or sell a product (financial or other) or the execution of other legal acts, or an invitation to submit an offer.

Exclusion of liability

SD Conseils assumes no responsibility for direct or indirect losses and damages of any kind whatsoever, resulting from access to the site or the use of information or notices available on this site or the impossibility of accessing or use the information or advice available on this site. In particular, the responsibility of SD Conseils as well as its directors, directors, employees, auxiliaries and shareholders, for any damage or loss suffered as a result of an error, technical or not, a transfer failure, a situation of overload, a difficulty of use, an interruption of service (including in particular the system maintenance service), a delay in the transmission of information, an incompatibility between this site and the files and or software of the user (in particular with his “browser” or “Browser”) and / or his computer, malfunction, interference, transmission of a virus or computer worm to his computer, illegal intrusion (for example following hacking), intentional blocking of tools and telecommunication networks (for example following a mass sending of e-mails or refusal of service attacks) or any other inadequacy of telecommunication service providers tions or network is excluded.

Access restrictions

The site is not intended for persons coming from jurisdictions in which (because of the nationality of the people, their place of residence or for any other reason) the dissemination, access to this site or its use, are prohibited. Persons subject to such restrictions must not access or use the site in any form.


SD Conseils has not controlled the websites linked to the site and is not responsible for the content of these other sites. Establishing connections to other websites is at your own risk.

Partial nullity

If any of the provisions of these conditions were not valid, non-compliant or not applicable, this does not in any case result in the invalidity, cancellation or non-execution of the other provisions of these conditions . The invalid, non-conforming or inapplicable clause will be replaced by another valid, conforming and applicable clause corresponding as much as possible to the meaning and purpose of the invalidated clause.


Only the French version of these conditions of use prevails.

Place of jurisdiction and applicable law

Any litigation linked to the site or resulting from its use or access is subject to the exclusive jurisdiction of the competent courts of the canton of Vaud, subject to possible recourse to the Federal Court of Lausanne. Swiss law applies.

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Loan illustration: loan of CHF 10'000.-. Effective annual interests rates between 4.9% and 9,95% over a 12 month period lead to total interests of between CHF 318.- and CHF 524.-. Duration: 6-120 months; Maximum annual interest rate (including all loan handling costs) 9,95%. Loans approval are prohibited if they lead to excess debt for the consumer. (Art. 3 LCD).