All users of the MILENIA SÀRL website are invited to carefully read  through the present terms of use.

The current privacy policy defines and informs on the ways in which MILENIA SÀRL uses and protects the information you may transmit when using the website that is accessible on the following URL: www.milenia.ch (hereafter referred to as « website »).

By accessing the website, the user accepts all following terms. If the user does not approve of the terms detailed hereunder or doesn’t fully understand them, he is invited to refrain from using said website.

Please take into account the fact that the current privacy policy could be subject to modifications or addendums on behalf of MILENIA SARL. This could be carried out to comply with the evolving laws, rules, jurisprudence and technology. In such cases, the update would be dated and clearly identified at the top of this policy. These changes are applicable as soon as they appear on the website. Users are therefore automatically engaged. It is up to the user to regularly consult the said privacy policy on a regular basis as well as cookies to stay informed of said changes.

I. Personal data

In a general manner, you have the possibility of visiting the website without having to communicate any personal information. In all hypothesis, you are in no manner obliged to transmit any information to MILENIA SARL. However, should you choose not to if requested, you may not be able to access certain information or services you require. In such cases, MILENIA SARL may be led to ask you for information (hereafter referred to as « Personal information »):

  • First name and family name;
  • Email address;
  • Phone number;
  • Postal address;
  • Date of birth;
  • Marital status;
  • Nationality;
  • Amount of your salary;
  • Date of residency;
  • Ongoing financial prosecutions or seizures;
  • Loan amount requested;
  • Any personal remark or comment you wish to express;

By providing this information, you clearly accept that they be processed by MILENIA SÀRL to means indicated in point 2 above and those explained at the end of each form.

As per the General Data Protection Regulation adopted by the European Parliament on April 14th 2016 and the modified Data Protection Act of January 6th 1978, MILENIA SÀRL informs you of the following:

1. Identity of the processing party

The agent responsible for data processing is the company MILENIA SÀRL, whose headquarters are located Route de la Conversion 271 1093 LUTRY - Suisse. Phone. : + 41 (0)21 620 60 00 ; Email : This email address is being protected from spambots. You need JavaScript enabled to view it.

2. Purpose of data processing

MILENIA SÀRL is susceptible to use your personal information:

  • (a) to provide you with the information and services requested (order of a product sold via our website or sending of a newsletter following your subscription) and/or ;
  • (b) to retreive information allowing us to improve our website, our products and services (namely though cookies); and/or
  • (c) to contact you regarding various events relative to MILENIA SARL, including updates to products and services.

3. Non-liability clause

I acknowledge and accept that MILENIA SÀRL forward my loan request to Cembra Money Bank SA or BANK-now or cashgate or Bob Finance, or any other partnered banks or partners (hereafter referred to as « bank ») by Internet, e-mail, or fax/postal service. Moreover, I confirm the following points:

Examination of the request and information on loans

I confirm the accuracy of all my data and authorize the financial institution, within the scope of examinating my request and processing the contractual relationship, to procure information through third parties relating to my personal status and namely through banks, central databases such as ZEK, the authorities such as the financial prosecution’s office, tax authorities, the residents registration office, child and adult care services, other financial institutions, loan intermediairies, employers, subsidiairies of the financial institution and, if necessary, the Association handling the central database of loan information (IKO). To this end, I renounce my right to banking as well as private or company postal secrecy. Moreover, I authorize the financial institution to announce my request to the ZEK and, should it be necessary, to the IKO and, should it be legally mandatory, to other organizations. This means announcing the type, amounts and terms of the loan or financing, as well as any personal information of the enquirer and any information relating to what qualifies as late payments or abuse of trust. I recognize that the ZEK and IKO have the right to give information to their members on the data collected. Furthermore, the financial institution may refuse my request outright without justification. 

Collaboration with intermediaires

The financial institution can, should incoming requests be received by intermediaires, share the necessary information with them within the scope of examining the request and/or solvency and/or contractual processing.

Data related to the partner / spouse

If I made a request which includes references and information relating to my registered partner or spouse, I confirm that (i) I have informed said person of my request and that (ii) the financial institution can verifiy related information directly with said person and that (iii) said person accepts that the financial institution procures information on said person (including requests made to the ZEK) as detailed above.

Data processing

I authorize the financial institution to process and evaluate my data to marketing and risk management ends as well as to establish profiles. I authorize the financial institution to offer me other products and services including those of the institution’s subsidiaires. I can renounce this authorization at any time regarding marketing purposes or/and news updates. The user of the website is aware that the information given through the related forms on milenia.ch are necessary to answer his request and are of use to the services in charge of request processing and follow up. The user has a right to access, to rectify, to update and to erase information relevant to said user. The user may exercise this right by contacting This email address is being protected from spambots. You need JavaScript enabled to view it. and outlining the subject of said user’s request by indicating « Rights of individuals » and attaching a copy of said user’s ID. 

The user of this website can also oppose any use of said user’s information for commercial prospecting without motive or cost.

We could be led to processing the following types of personal data:

Your contact details including name, email address and phone number. User information for example if you connect to our service or if you visit our website. This information can include an IP number, your interests and preferences relating to information on how you interact with our services (such as functionalities used and clicked items). 

Collaboration with third parties (externalisation)

The financial instituation is allowed to externalise certain services to third parties (hereafter referred to as «providers»). This is the case within the framework of commercial data processing, IT security, systems management, the analysis and prospection of markets, risk evaluation regarding loans and markets relating to business as well as the handling of contractual relations (for ex: handling of requests, payment receivables and communication with clients). The financial institution hands over the necessary data to these providers allowing them to fill their contractual obligations and to this end, may send data abroad. The providers, their employees and sub contractors have a contractual obligation to ensure data privacy and banking secrecy pursuent to the requirements of Federal Law on banks and due diligence on privacy. Within this context, I accept that my data can be handed to providers based in countries which, potentially, do not apply the same privacy legislation as in Switzerland.

I accept that the financial institution uses electronic means to communicate both with me and intermediairies. I furthermore accept the transmission of data by the Internet and I am aware that the Internet is an open network accessible by all. Pursuent to this, MILENIA SARL and the financial institution cannot guarantee privacy of data flowing through the Internet. Third parties may conclude to current and future business relations (banking could be one) between myself and the financial institution.

Data related to the partner / spouse

If I made a request which includes references and information relating to my registered partner or spouse, I confirm that (i) I have informed said person of my request and that (ii) the financial institution can verifiy related information directly with said person and that (iii) said person accepts that the financial institution procures information on said person (including requests made to the ZEK) as detailed above.

Data processing

I authorize the financial institution to process and evaluate my data to marketing and risk management ends as well as to establish profiles. I authorize the financial institution to offer me other products and services including those of the institution’s subsidiaires. I can renounce this authorization at any time regarding marketing purposes or/and news updates. The user of the website is aware that the information given through the related forms on milenia.ch are necessary to answer his request and are of use to the services in charge of request processing and follow up. The user has a right to access, to rectify, to update and to erase information relevant to said user. The user may exercise this right by contacting This email address is being protected from spambots. You need JavaScript enabled to view it. and outlining the subject of said user’s request by indicating « Rights of individuals » and attaching a copy of said user’s ID. 

The user of this website can also oppose any use of said user’s information for commercial prospecting without motive or cost.

We could be led to processing the following types of personal data:Your contact details including name, email address and phone number. User information for example if you connect to our service or if you visit our website. This information can include an IP number, the type of hardware and browser, time zone, geographical location as well as your interests and preferences relating to information on how you interact with our services (such as functionalities used and clicked items). 

Collaboration with third parties (externalisation)

The financial instituation is allowed to externalise certain services to third parties (hereafter referred to as «providers»). This is the case within the framework of commercial data processing, IT security, systems management, the analysis and prospection of markets, risk evaluation regarding loans and markets relating to business as well as the handling of contractual relations (for ex: handling of requests, payment receivables and communication with clients). The financial institution hands over the necessary data to these providers allowing them to fill their contractual obligations and to this end, may send data abroad. The providers, their employees and sub contractors have a contractual obligation to ensure data privacy and banking secrecy pursuent to the requirements of Federal Law on banks and due diligence on privacy. Within this context, I accept that my data can be handed to providers based in countries which, potentially, do not apply the same privacy legislation as in Switzerland.

I accept that the financial institution uses electronic means to communicate both with me and intermediairies. I furthermore accept the transmission of data by the Internet and I am aware that the Internet is an open network accessible by all. Pursuent to this, MILENIA SARL and the financial institution cannot guarantee privacy of data flowing through the Internet. Third parties may conclude to current and future business relations (banking could be one) between myself and the financial institution.

4. Storage life

Vos Informations Personnelles sont conservées par MILENIA SÀRL uniquement pour le temps correspondant à la finalité de la collecte tel qu’indiqué en 2 ci-dessus qui ne saurait en tout état de cause excéder 24 mois.

Your Personal Information is stored by MILENIA SARL only for the length of time corresponding to their purpose as indicated in point 2 above and will never exceed 24 months.

5. Data Protection and Freedom

You have rights on your Personal Data. These rights can be exercised by writing to us using  (This email address is being protected from spambots. You need JavaScript enabled to view it.), our postal address (cf point 1) or by using the contact form available on the Website that you can reach through the following url: https:// www.milenia.ch/contact

Right of access and of communication of data

You have the right to access your Personal Data. However, following security and privacy guidelines for which MILENIA SARL is responsible, you must first prove your identity (scan of your valid ID) if digital request or signed photocopy of your valid ID if handwritten request before we share your information.

MILENIA SÀRL informs you that it has the right to oppose such requests if deemed abusive (amount of inquieries, repetitiveness or systematic behaviour). To help you should you make such a request in written form to the address noted in point 1, please find a link below to obtain a letter template you can use and which is provided by the Commission Nationale de l’Informatique et des Libertés en France (the « CNIL »).

https://www.cnil.fr/fr/modele/courrier/exercer-son-droit-dacces

Right to rectify data

Legislation gives you the right to ask for rectifications, updates, sceals or data withdrawal relating to your person and which could be considered to be inexact, wrong, incomplete or obsolete. Furthermore, you can outline the general directives to be carried out for the management of your data after you decease. In such a case, the heirs of a deceased person can demand to take said deceased status into account in order to apply relevant updates. To help you should you choose to exercise this right for your own count or on behalf of the deceased, by means of a letter to be sent to the address indicated in point 1, please click on the following link where a template developed by the CNIL is available to you.

https://www.cnil.fr/fr/modele/courrier/rectifier-des-donnees-inexactes-obsoletes-ou-perimees

Right to oppose

You may exercise your right to oppose in the following two cases: Dependent on legitimate motives or when the aim is to oppose the use of data for commercial prospection.L’exercice de ce droit n’est possible que dans l’une des deux situations suivantes : Lorsque l’exercice de ce droit est fondé sur des motifs légitimes ; ou Lorsque l’exercice de ce droit vise à faire obstacle à ce que les données recueillies soient utilisées à des fins de prospection commerciale. To help you should you choose to exercise this right, by means of a letter to be sent to the address indicated in point 1, please click on the following link where a template developed by the CNIL is available to you.

https://www.cnil.fr/fr/modele/courrier/supprimer-des-informations-vous-concernant-dun-site-internet

6. Response time

MILENIA SÀRL commits to replying to your access, rectification or opposition request as well as any reqest for complementary information in a reasonnable timeframe which will not exceed 1 month as of the date of reception of said request.

7. Approved providers and transfer to a third country other than Switzerlan or the European Union

MILENIA SÀRL informs you that it works with approved providers to facilitate the gathering and processing of data that you have sent us. Some providers may be located outside Switzerland and The European Union and possess data recovered from communication and various forms on the Website (exception made of the form allowing you to exercise your rights relating to the Data Protection and Freedom which is proposed and adhered to by MILENIA SARL).

8. Complaint and relevant authority

Should you consider that MILENIA SARL does not respect its obligations relating to your Personal Data, you can address a complaint or request to the relevant competent authority. In France, the relevant authority is the CNIL to whom you can address a digital message by clicking on the following link :

https://www.cnil.fr/fr/plaintes/internet

9. Juristiction and applicable law

Any dispute relating to the Website and it its management or access is under the exclusive juristiction of the tribunals of the canton de Vaud, nonwithstanding recourse to the Federal Tribunal in Lausanne. Swiss law is applied.

II. Cookie policy

The first time you connect to the MILENIA SÀRL website, you are warned by a banner on your screen that information relating to your browsing may be recorded in files called "cookies". Our policy on the use of cookies enables you to better understand the provisions we implement with regard to browsing on our website. In particular, it informs you about all the cookies present on our website and their purpose (10b).

1. General information on cookies on the MILENIA SÀRL website

MILENIA SÀRL, as the publisher of this website, may install a cookie on the hard disk of your terminal (computer, tablet, mobile, etc.) in order to guarantee you smooth and optimal navigation on our website. Cookies are small text files of limited size that allow us to recognise your computer, tablet or mobile phone in order to personalise the services we offer you.

The information collected through cookies does not in any way identify you by name. It is used exclusively for our own needs in order to improve the interactivity and performance of our website and to send you content adapted to your centres of interest. None of this information is communicated to third parties except where MILENIA SÀRL has obtained your prior consent or where the disclosure of this information is required by law, by order of a court or any administrative or judicial authority empowered to deal with it.

In order to better inform you about the information that cookies identify, you will find below a list of the different types of cookies that may be used on the MILENIA SÀRL website, their name, their purpose and their storage period.

10. Acceptance of cookies

By browsing the milenia.ch website, you accept the deposit of cookies on your terminal. You are also deemed to have given your consent to the placing of cookies by clicking on the "Close" button to the right of the banner.

10.b Our cookies and their use

Cookies for audience analysis : Google Analytics
This website uses Google Analytics. Google Analytics uses "cookies", which are text files placed on your computer to help the website analyze how users use the site. The information generated by the cookie about your use of the website is transferred to a Google server in the USA and stored there. Your IP address will, however, first be abbreviated and anonymised by Google within the EU member states or other states of the Agreement on the European Economic Area. Only in exceptional cases is the full IP address transferred to a Google server in the USA and is abbreviated there. Google will use this information on behalf of the website operator to evaluate your use of the website, to compile reports on website activities and to provide the website operator with further services relating to the use of the website and the Internet in general. Google will also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. The IP address transmitted within the scope of Google Analytics by your browser is not combined with other Google data. You may refuse the use of cookies by selecting the appropriate settings on your browser software. However, we would like to point out that in this case you may not be able to take full advantage of all the functions offered by this website. In addition, you can prevent the collection of the data related to your use of the website (including your IP address) generated by the cookie for Google and the processing of this data by Google by downloading and installing the browser plug-in available under the following link (https://tools.google.com/dlpage/gaoptout?hl=fr). You can also click on this link to prevent the collection by Google Analytics. An opt-out cookie is thus stored on your device and will prevent the collection of your data when you visit this website in the future. Please visit https://www.google.com/intl/de/analytics/privacyoverview.html for more information on this subject.

Google AdWords conversion tracking cookies.
This website uses the online advertising program "Google AdWords" and, as part of this, the conversion tracking. The cookie for conversion tracking is activated when a user clicks on an ad published by Google. These cookies lose their validity after 90 days and are not used for personal identification. If you visit certain pages of this website and the cookie has not yet expired, Google and we may know that you have clicked on the ad and been redirected to this page. Each Google AdWords client receives a different cookie. Cookies can therefore not be tracked via the websites of AdWords clients. The information obtained by means of the conversion cookie enables MILENIA SÀRL to compile conversion statistics. We are informed of the total number of users who have clicked on our ad and who have been redirected to a page with a conversion tracking tag. However, we do not obtain any personally identifiable information about users. If you do not wish to participate in tracking, you can easily disable Google's conversion tracking cookie in your web browser's user settings. You will not be included in conversion tracking statistics.

Facebook pixel
The communication tool Website Custom Audiences from Facebook is used on this website. For its use, Facebook pixels are integrated on our websites, which mark you as a visitor to our website in an anonymous form, i.e. without being able to identify you as a person. When you subsequently log on to Facebook, a non-reversible and therefore non-personal checksum (hash value) of your usage data is sent to Facebook for analysis and marketing purposes. This allows Facebook to attribute the visit to our pages to your user account. We may use this information to display ads on Facebook. For the product Website Custom Audiences, the Facebook cookie is mentioned. For more information on the purpose and scope of data collection and the processing and use of data by Facebook as well as the possibilities of setting up settings to protect your privacy, please refer to the Facebook data protection guidelines, which you can find at www.facebook.com/ads/website_custom_audiences and https://www.facebook.com/privacy/explanation. If you wish to object to the use of Facebook Website Custom Audiences, you can do so here: www.facebook.com/ads/website_custom_audiences.

If you wish to oppose to the use of Facebook Website Custom Audiences, you can do so here: www.facebook.com/ads/website_custom_audiences.

Retargeting
Our website uses retargeting technologies. We use these technologies to make the Internet offer more interesting for you. This technique makes it possible to approach Internet users who have already shown an interest in our shop and our products through advertisements on the websites of our partners. We are convinced that it is more interesting for Internet users to see an advertisement targeted by areas of interest rather than an advertisement without such a reference to areas of interest. The display of these advertising media on the pages of our partners is based on cookie technology and an analysis of previous usage behaviour. This form of advertising is carried out completely anonymously. No personal data is stored and no usage profile is associated with your personal data. You agree to the use of cookies for the collection, storage and evaluation of your usage data. You also agree that your data may be stored in cookies after the end of your browser session and that they may be recalled, for example, the next time you visit the website. You can revoke this acceptance at any time with effect for the future by rejecting the use of cookies in your browser settings.

Retargeting beacons
This website uses retargeting tags. These tags correspond to a JavaScript element placed in the source code of the website. When a user visits a page on this website that contains a retargeting tag, an online advertising provider (such as Google) places a cookie on the user's computer and assigns it to lists of corresponding retargeting target groups. This cookie is also used to activate retargeting campaigns ("interest-based advertising") on other websites. Studies have shown that the display of interest-based advertising is more interesting than advertising without direct reference to previously visited interests or websites. Third-party providers, including Google, use these cookies to display ads based on a user's previous visits to our website. No personal data is recorded in this connection. Users of this website can deactivate the use of cookies by Google by visiting the Google "Ad settings" page. In addition, users can deactivate the use of cookies by third party providers by visiting the deactivation page of the "Network Advertising Initiative" and making the appropriate settings there.

11. b. You have various tools for setting cookies

Most Internet browsers are configured by default to allow the deposit of cookies. Your browser offers you the opportunity to change these standard settings so that all cookies are rejected systematically or only some of them are accepted or rejected depending on their originator.

WARNING: We draw your attention to the fact that refusing to deposit cookies on your terminal is nevertheless likely to alter your user experience as well as your access to certain services or functionalities of this website. Where applicable, MILENIA SÀRL declines all responsibility concerning the consequences related to the deterioration of your browsing conditions that may occur due to your choice to refuse, delete or block the cookies necessary for the functioning of the site. These consequences shall not constitute damage and you shall not be entitled to any compensation for this fact. Your browser also allows you to delete existing cookies on your terminal or to notify you when new cookies are likely to be placed on your terminal. These settings have no impact on your navigation but make you lose all the benefit provided by the cookie. Please take note of the various tools available to you below so that you can configure the cookies placed on your device.

12. c. Setting up your Internet browser

Each Internet browser offers its own settings for managing cookies. Below you will find links to help on how to change your cookie preferences for all major web browsers:

For more information about cookie control tools, you can consult the CNIL website: https://www.cnil.fr/fr/cookies-les-outils-pour-les-maitriser.

Unless express consent is required by the personal data protection laws of your country, by using these Materials (as defined above), you consent to our collection and use of your personal data in the manner described in this Policy and to the transfer of your personal data to countries other than your own (including countries outside the European Union).

III. Other user clauses

1. Language

Only the French version of the present terms prevail.

Personal data and data protection

In vertue of Art. 13 of the Federal Swiss Constitution and of the data protection law, any person is entitled to ones personal privicy being respected and protected against abusive use of data of concern. MILENIA SARL respects these conditions. The user is invited, at various stages on the Website www.milenia.ch to enter personal data. If the user chooses to communicate personal data to MILENIA SARL by internet or email, we will process this data by applying the legislation in place relating to data protection.

By contacting MILENIA SARL by internet, email, letter or in any other manner, I authorize the bank to process and analyze my data as well as to use it for marketing ends and for internal analysis both in Switzerland and abroad. I have the right to renounce this authorization at any time. The bank can delegate services to third parties (providers), especially in the process steps, IT security, systems management, prospection and market studies, loan risk calculations and markets linked to business as well as the management of contractual relations (for ex : processing requests and executing contracts, recovery, communication with clients). I accept that providers have access to all my data in this context. The bank may have my data processed in countries that do not apply the same data protection regulations as in Switzerland and delegate providers in these countries to process my data. This data is handed over only when such providers have committed to deliver sufficient data protection levels. I am aware that my data can be transfered abroad and that this is done by internet. I accept this type of transfer as well as the data processing in Switzerland and abroad. The bank can refuse my request without justification. I am aware that the internet is an open network accessible to all. By consequence, MILENIA SARL and the bank cannot guarantee full confidentiality of transfered data through the internet. Third party conclusions of a banking relationship that exists or is on the verge of existing between myself and the bank are therefore possible. 

The user accepts that MILENIA SARL occasionally sends company, product and services information, by means of post or email. Use of client data for marketing purposes can be revoked at any time by the user in writing.

Security and privacy of data

Internet is an open network accessible to all. When the user goes to the Website www.milenia.ch third parties can conclude that there is a commercial relationship between the user and MILENIA SARL.Transfer of data over the internet can be hampered, delayed or channel errors may happen. MILENIA SARL as well as data providers have no power over these failings. MILENIA SARL and its providers cannot be held accountable or liable for damage or consecutive damage relating to these types of failings. MILENIA SARL declines any responsibility in case or loss or damage of any nature resulting from the use of the Website and the information contained. Information on the Website can be changed at any time without warning. When the user activates links present on the Website of MILENIA SARL, it its possible that the user exits the Website. MILENIA SARL does not monitor the other websites linked to its Website and declines all responsibility for the content, products, services and other of these linked websites. It is our obligation to process personal data with precision, pertinence and only when necessary all the while adhering to the legal requirements towards our clients. It is your right to control us. To update your personal data please contact This email address is being protected from spambots. You need JavaScript enabled to view it.. To receive an extract of your personal data (free of charge) please also contact This email address is being protected from spambots. You need JavaScript enabled to view it..

Right of access and of data correction (Switzerland)

In line with the dispositions of the Federal law of 19 June 1992 on data protection, anyone can ask, by providing a written and signed request to MILENIA SARL, to receive by means of a document, his or her pesonal data. If such data is no longer up to date, inexact or incomplete, the interested party can ask MILENIA SARL to modify the date concerned. The interested party can also ask to erase its data at any time. 

Pricing

I understand and accept that MILENIA SARL reserves the right to invoice me its services, within the scope of relevant mandates and following the clear information available at all times on the following PDF: pdftarifs milenia

This pricing is applied out of goodwill by MILENIA SARL and do not cover in any circumstance the processing of a personal loan request (request is free of charge). Pricing only applies to the services detailed in the following PDF:  pdftarifs milenia 

Intellectual property

The Website as a whole is the exclusive property of MILENIA SARL, all third party rights reserved. The reproduction (complete or partial), the transmission (digital or other), the modification, links created or use of the Website for public or commercial purposes are strictly prohibited without explicit prior consent of MILENIA SARL. Any copy or use, to whatever end, of text, brands, visuals, statistics or other registered by MILENIA SARL or put at the disposal of MILENIA SARL are also strictly prohibited unless in the context of prior written consent from the rights owner

Absence of offer

The information published on the Website of Milenia does not constitute an offer, nor a recommandation of purchase, nor the sale of a product (financial), nor the execution of a legal act, nor an invitation to submit an offer. The activation of a loan leading to excess of debt for the user is prohibited (art.3 LCD)

Liability disclaimer

MILENIA SÀRL is not liable for any loss or damage, directly or indirectly, whathever the nature, resulting from the access of the Website and the use of information or available decisions on the Website or for the inability to access or use information or available decisions on the Website. MILENIA SARL, its administrators, directors, employees, auxiliairies and shareholders may not be held responsible for any form of prejudice or loss undergone through an error, technical or not, transfer failure, activity surplus, user difficulty, service interruption (system maintenace included), data transmission delay, incompatibility between the Website and files or softwares of the user (notably in relation to the browser), the computer, any malfunction, interference, virus or worm on the computer, illegal intrusion (hacking or pirating), intentional blocking of tools and telecommunications networks (for example following mass spamming ou refusal of service attacks) or any other provider service inadequacy of communication or network.

Restrictions of access

The Website is not meant for use by persons under juristictions (related to nationality, place of residence, or other) which prohibit the sharing, access or use of this Website. Persons restricted from doing so should neither access the site nor use it, in any way or form.

Links

MILENIA SÀRL does not monitor linked websites and is not responsible for their content. Establishing connections to other websites is done at your own risk.

Partial nullity

If a clause in the present terms is not valid, not in conformity or applicable, this does not lead to invalidity, cancellation or non execution of other dispositions within the present terms. The non valid clause will be replaced by another valid clause, in conformity and applicable and which is as close as possible to the purpose and goal of the invalidated clause.

The activation of a loan leading to excess of debt is prohibited (art.3 LCD)

Loan illustration: loan of CHF 10'000.-. Effective annual interests rates between 4% 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)