Cookie policy

The owner of the data protection processing system, CRIF AG, based at Hagenholzstrasse 81, 8050 Zurich, deals here with the use of cookies on its own website; this is based upon European Directive 2009/136/EC (dated 19th December 2009), which was implemented in Art. 45c lit. b of the Swiss Law on Telecommunications (FMG) on 1st April 2007. Please note that all other required information is included in the Data Protection Declaration that can be searched out via a link on the Home page of the website.

What are cookies?
A cookie is a small file that typically consists of letters and numbers that is downloaded onto a device when the user accesses particular websites. Once this has taken place, cookies are sent back to the original website at each subsequent visit. Cookies are useful in that they enable a website to recognise a user’s web browser or device again at a later stage. Cookies have many purposes. For example, cookies mean that users don’t have to enter the required details every time they visit our website (“save login”).
Cookies also make it possible to match the websites to your requirement preferences (language, areas of interest, etc.) and give us the opportunity to analyse how well our websites might be working.

We use cookies that are both permanent and those that are restricted to that particular session. Permanent cookies are deleted after a certain length of time if you return to the website. Cookies that are limited to a particular session (which are known as session cookies or temporary cookies) are deleted when you next close your browser.
If you don’t want CRIF AG to place cookies on your device, you can deny the use of cookies via your browser settings or options. In this event, you may not be able to (properly) use some of the areas of this CRIF AG website.

What type of cookies does CRIF AG use?
This CRIF AG website uses three kinds of cookies:

Technical cookies: These cookies are used in order to carry out the transmission of a message via an electronic communication network, or if the cookie is absolutely necessary so that the provider of a service offered by the information business expressly required by the participant or user can make this service available. These cookies can be sub-divided as follows: navigation cookies or session cookies, which facilitate normal navigation and the use of the website. Analytical cookies are similar to the technical cookies and are used directly by the operator of the website to gather information in an aggregated form about the number of users and the way they use the website. Functional cookies make it possible for the user to navigate according to a series of selected criteria, in order to improve the service.
Profiling cookies: These cookies are used to follow the user’s navigation through the network and to prepare a profile of the user’s tastes, habits and decisions.
These cookies can be used to transmit advertising messages that match the preferences already displayed by that user directly to the user’s terminal.
Third-party cookies: Third-party cookies are cookies set by a website that isn’t the website currently being visited. While navigating on the intended website, users may also receive cookies sent by other websites or web servers (the so-called “third parties”) on their terminal; these may contain some elements (such as pictures, cards, sounds, special links to pages in other domains, etc.), that are present on the website currently being visited.

Links to third-party cookies
The release and use of cookies from third-party websites is subject to data protection regulations. To guarantee greater transparency and convenience, we have summarised the web addresses of the various information memos and the modalities involved in the administration of the cookies below.
Type of cookies Target Source Link

Cookie Analytics
These cookies, and cache cookies, are set by Google Analytics and used to gather information about how visitors use the website, the number of visitors to the website, their pages of origin and which pages have been visited on our website. We use this information to compile reports and improve our website; as a result, we can, for example, recognise any faults recorded by users; we can also guarantee direct navigation, so that they can easily find what they are looking for. In general, these cookies stay on the visitor’s computer until they are deleted.
Google Analytics

Advertising or profiling cookies
Cookies to display videos integrated by YouTube
YouTube

How to deactivate, activate or delete cookies
The standard situation is that almost all web browsers are set to automatically accept those cookies that can be restricted or blocked by the browser settings.
If you do not want the websites to store any cookies on your computer, you can set the browser so that a message is received before any cookie is archived. Alternatively, you can set the browser so that it rejects all cookies, or just third-party cookies. You can also remove all the cookies that are already in the system. You should note, however, that the settings will need to be changed separately in every browser and computer you use. Blocking the cookies does not stop the display of advertisements. It just means that they will no longer be personalised in line with your own interests, and suggestions will be made more often. Every browser uses a different method to change the settings. If necessary, you can use the Help function in the browser to define the correct setting.
We have provided a list of the most popular browsers below in case you need more information about managing cookies:

Internet Explorer™
Safari™
Chrome™
Firefox™