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Privacy Policy


To the extent permitted by law, the Seller and HeidiPay may share transaction and experience information with the Customer and third-party companies affiliated or unaffiliated with HeidiPay, including credit bureaus, other creditors and fraud detection service providers.

If the Customer does not want us to share this information, the Customer should notify us by email at

Capitalised terms in these data protection provisions (the "Provisions") have the same meaning as capitalised terms defined in the Seller's terms and conditions.


Consent to the use of your data

The Seller shall check whether your Instalment Purchase request can be validated, taking into account the risk of possible default on your part. To this end, after validating the Instalment Purchase method, the Seller carries out an identity and credit check using the HeidiPay platform.

By opting for the Instalment Purchase, you accept these Terms and Conditions and agree that the Seller may perform identity and credit checks, and that the Seller may transfer your data (first and last name, title, street, house number, postal code, city, date of birth, telephone number, email address, date of purchase) to HeidiPay.

You agree that the Seller and HeidiPay may store, process and use personal information in accordance with this Privacy Policy.

In addition, you agree that the Seller and HeidiPay may store and submit your Personal Information for identity and credit control purposes to credit reporting agencies (credit bureaus, see below). In addition, you agree that the Seller and HeidiPay may store your personal information in accordance with the Federal Data Protection Act.

The Seller and HeidiPay may use the following credit and identity verification agencies:

CRIF AG, Hagenholzstrasse 81, CH-8050 Zürich, Tel.: +41 (0)44 913 50 58

Onfido Limited, 3 Finsbury Avenue London EC2M 2PA United Kingdom,

ThreatMetrix LexisNexis Risk Solutions Group, Global Reach, Dunleavy Drive, Cardiff CF11 0SN, United Kingdom, 

By accepting these Terms and Conditions, the Seller and HeidiPay are entitled to store, use and process data on non-contractual behaviour and to pass it on to credit bureaus. The credit bureaus store and transmit the data to their contractual partners in order to provide information to assess the creditworthiness of natural persons.

All data transfers take place within the legal framework and with due regard to your legitimate interests.


Other uses of your personal data

The Seller and HeidiPay are aware that the careful management of your personal information is important to you. Therefore, your personal data will be processed, used, stored and, if necessary, transmitted in accordance with the relevant data protection regulations only for the following purposes:

  • Analysis and exchange of data for fraud prevention purposes (use of tools to identify and block potential fraudsters)
  • Sending e-mails and letters in the context of the provision of our services to the Customer
  • Announcement by legal or regulatory obligations
  • The Seller and HeidiPay reserve the right to transfer personal data for the purposes described above to the approved service provider, to the extent necessary to perform their tasks

The Seller and HeidiPay shall not market personal data to third parties for advertising purposes.

The Seller and HeidiPay endeavour to process your data in Switzerland. However, data may be transferred to and processed in another country by a subsidiary of HeidiPay or by partner companies commissioned by HeidiPay. HeidiPay takes all necessary legal, technical and organisational measures to ensure that your data is processed securely and with an adequate level of protection in relation to and in accordance with at least the level of protection offered within Switzerland.


Withdrawal of consent, information, correction, blocking and deletion of personal data

Your consent to the collection, processing, use or transfer of your personal data may be withdrawn at any time without incurring any costs. Even in the event of revocation, the Seller and HeidiPay shall remain entitled to process, use or transmit your personal data to the extent required by law or necessary for the contractual settlement of instalment purchases with HeidiPay or as required by a court or an authority.

You also have the right to receive information about the data stored by HeidiPay free of charge and, if necessary, to correct, terminate or delete it.

If you have any questions regarding the collection, use, processing or transfer of your personal data as well as for information, corrections, recordings or deletions of data in writing, please write to



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