1. Data Privacy Statement

This document complies with the Swiss Federal Act on Data Protection (nDSG) and the EU General Data Protection Regulation (GDPR).

Who is responsible for data processing?

The data controller for this website is:
Stanislav Kosheliev
Bernstrasse 107
3400 Burgdorf
Switzerland
Email: info@kreditkarte-swiss.com
Website: www.kreditkarte-swiss.com

  1. Hosting and Infrastructure

Infomaniak Network SA

We host our website with Infomaniak Network SA (Rue Eugène-Marziano 25, 1227 Geneva, Switzerland). Infomaniak is a Swiss provider that adheres to the highest standards of data security and environmental responsibility.
… When you visit our website, Infomaniak collects technical data in server log files:

IP ​​address (anonymized)
Date and time of access
Browser type and version
Operating system
Referrer URL (the page you came from)
Data Processing Agreement (DPA): We have concluded a corresponding data processing agreement with Infomaniak, which ensures the protection of our visitors’ data in accordance with legal requirements. SSL/TLS encryption
For security reasons and to protect the transmission of confidential content, this website uses SSL/TLS encryption. This means that data you transmit to us cannot be read by third parties.

  1. General Information and Legal Basis
    We process your data confidentially and in accordance with the statutory data protection regulations:

Switzerland: Federal Act on Data Protection (nDSG).

EU (Germany, Austria): General Data Protection Regulation (GDPR).

The legal basis for the temporary storage of data and log files is our legitimate interest (Art. 6 para. 1 lit. f GDPR) in the stability and security of the website.

  1. Cookie Consent (Consent Management)

This website uses cookies. Cookies are small text files that are stored on your device. We use a consent management tool (cookie banner) to obtain your consent to the storage of certain cookies.

Essential cookies: Required for the operation of the website (e.g., saving your privacy settings).

Analytics cookies: Activated only after your explicit consent (opt-in).

You can withdraw or change your consent at any time via the cookie banner or your browser settings.

  1. Web analytics with Matomo (Self-Hosted)
    To protect your privacy, we do not use Google Analytics. We use the analytics tool Matomo.

Local installation: Matomo is operated on our web hosting infrastructure at Infomaniak. No data is transferred to third-party providers or Google.

Anonymization: IP addresses are anonymized immediately after collection (byte masking).

No cross-device tracking: The data is used exclusively to optimize our website and is not used for advertising purposes outside this domain.

  1. Local Fonts (Roboto)

We use the Roboto font. To maximize data protection, we have installed these fonts locally on our server. No connection is made to Google’s servers (Google Fonts). Therefore, your IP address is not transmitted to Google when the page loads.

  1. External Links to Banks and Financial Service Providers
    Our website contains links to partner banks (e.g., Basler Kantonalbank, BLKB, Revolut, St. Galler Kantonalbank, etc.). We use a model with fixed annual advertising placements.

Please note: As soon as you click on a link to a bank, you leave our area of ​​responsibility. The data processing on the linked pages is governed by the privacy policies of the respective bank.

  1. Your Rights

You have the right to:
Access your stored data.
Correction or deletion of your data.
Restriction of processing.
Objection to processing.
Data portability. Lodge a complaint with a competent data protection supervisory authority (in Switzerland: Federal Data Protection and Information Commissioner, FDPIC).

If you have any questions about data protection, you can contact us at any time using the contact details provided in section 1.

Date of this privacy policy: May 2026
Created for: kreditkarte-swiss.com