Subscriber Conditions for Postfinance credit cards/prepaid cards

6.2 If the cardholder does not wish to receive a new card or does not wish to renew any
partner cards, he must notify PostFinance in writing at least two months before the card
expires (clause 11), otherwise the annual fee will be charged.
6.3 Replacement of an unexpired card and/or a PIN will be subject to a fee.
7. Blocking/cancellation
7.1 The cardholder or PostFinance may arrange for the card to be blocked and/or the contractual
relationship to be terminated at any time and without giving any reasons.
Termination of the main card will automatically terminate any partner cards.
7.2 Upon termination, all sums outstanding on the card(s) will automatically become due for
payment. Upon termination, the cardholder must cut up and return the card (including any
partner cards) to PostFinance forthwith and without further request. The cardholder will not
be entitled to any pro rata reimbursement of the annual fee if the card is either returned
voluntarily or recalled by PostFinance.
7.3 Notwithstanding any termination/blocking, PostFinance will remain entitled to invoice the
cardholder in respect of all debit arrangements entered into prior to the effective return of
the card(s) (e.g. debits relating to recurring services such as newspaper subscriptions,
memberships, online services).
8. Obtaining, processing and disclosure of data/involvement of third parties
8.1 The applicant/cardholder authorizes PostFinance to obtain from third parties and in particular
from public bodies, the applicant’s/cardholder’s employer, his bank/financial intermediary
and the Central Credit Information Office (ZEK) (hereinafter referred to as «ZEK»; members
of ZEK include companies from the consumer credit, leasing and credit card sectors) all
information required to check the card application and credit standing of the applicant/
cardholder, to process the contract and to fulfill its legal obligations – especially to comply
with anti-money laundering legislation – and/or to pass such information on to them and to
notify the ZEK of any blocked cards, serious arrears of payment or misuse of cards. The ZEK
is expressly authorized to make this information available to its other members. For the
above-mentioned purposes the cardholder releases these entities and PostFinance from the
obligations of postal and banking secrecy, as well as from any official or business confidentiality
obligations. The cardholder further acknowledges that under the Swiss Consumer
Credit Act, PostFinance is obliged to obtain from the Consumer Credit Information Office
(hereinafter «IKO») information relating to liabilities of the cardholder reported to said
Office. In addition, under the Consumer Credit Act, PostFinance is obliged under certain
circumstances to report any amounts owing to IKO.
8.2 The cardholder accepts that PostFinance may engage the services of third parties in order to
check the cardholder’s card application and credit standing and to process the contract. In
this connection the applicant authorizes PostFinance (and any third parties instructed to
process PostFinance card transactions) to obtain and report all the information required for
checking and processing the credit card application. In particular, he agrees that these third
parties and their contractors (e.g. for the production of cards) will be given access to his
data insofar as this is necessary for the diligent performance of the tasks assigned to them.
The international card organizations (Visa International and MasterCard International) and
their contractors tasked with processing card transactions on their behalf will, however, be
informed solely of the relevant transaction data (e.g. information about the accepting outlet,
card number, expiry date, transaction amount, transaction date and – depending on the
transaction in question – name of the cardholder). The cardholder further accepts that the
relevant data will be forwarded to the card issuer, PostFinance, via the global Visa or
MasterCard networks even in respect of transactions conducted in Switzerland.
8.3 If the card bears the name or logo of a third party or includes insurance and/or other
services, the cardholder authorizes PostFinance to exchange data with such third parties (including
any third parties engaged by them) to the extent that this is necessary to
provide services linked with the card.
8.4 PostFinance will be authorized to assign all claims in respect of cardholders to third parties
at any time.
9. Bonus programme
All PostFinance credit cards/prepaid cards participate in the bonus programme. The bonus will
be paid on the basis of invoices/transactions effectively paid. Cash withdrawals, interest, annual
fees and charges will be excluded from the bonus programme. The bonus will be paid every six
months, in June and December. Payment of the bonus requires an active postal account. In the
absence of such an account, the entitlement to the bonus lapses.
10. Text message card service
10.1 Offer of services: The text message card service allows users to check the available
amount/balance of their account as well as the most recent transactions paid for with their
PostFinance credit and prepaid cards.
10.2 Obligation to cooperate and exercise due care: In the interests of security the cardholder
has the following obligation to cooperate and exercise due care:
a) The cardholder registers by providing his mobile phone number. In doing so he confirms
that he is the lawful user and authorized owner of the number.
b) Before changing mobile number (e.g. by transfer to a third party or termination of the
contract with the mobile network operator) the cardholder must provide his new mobile
number or unsubscribe from the text message card service.
c) The cardholder is aware that he should protect the SIM card in his mobile phone against
unauthorized access with a PIN (personal identification number) to reduce the risk of his
mobile phone number being used for abusive information retrieval.
10.3 Unsubscription: The cardholder may unsubscribe from the text message card service at any
time. The conditions set out in 2 b apply for unsubscribing a registered mobile number
(for instance when changing telephone number). PostFinance is entitled to oppose or
revoke access at any time, particularly if the service is not used for an extended period of
time.
10.4 Liability: PostFinance does not take any responsibility if the data provided is not up to
date, accurate or complete. Data is regarded as temporary and non-binding.
10.5 Call charges: Text message costs may apply according to the tariffs charged by the relevant
mobile network operator.
10.6 Data protection:
Data disclosed on application forms will be treated confidentially and in
accordance with the provisions of the Data Protection Act. The data in question will be
used exclusively for the provision of services.
11. Customer Service
Customer Service will be available to cardholders for all matters in relation to the issue and use
of cards by telephone on +41 (0)848 888 400 (on a 24/7 basis for card blocking). The address
for correspondence is PostFinance, Card Center, Flughofstrasse 35, PO Box, 8152 Glattbrugg.
12. Other provisions
12.1 PostFinance reserves the right to modify these Subscriber Conditions at any time (including
changing the applicable annual fees, interest rates, commission rates, etc.). Changes will
be communicated in an appropriate form and will be deemed to have been accepted if
the card is not returned before the changes come into effect.
12.2 The legal relationship between the cardholder and PostFinance will be exclusively governed
by Swiss law. If the cardholder lives in Switzerland, any disputes arising from this
legal relationship
may be handled by the court at the cardholder’s place of domicile. The
cardholder may, however, also assert his rights at the company’s place of domicile. If the
cardholder resides outside Switzerland, the place of performance of all obligations of both
parties, the place of debt collection as well as the exclusive place of jurisdiction for any disputes
arising out of or in connection with this legal relationship will be Berne. PostFinance
reserves the right, however, to also take legal action against the cardholder before the
authority in the latter’s place of residence or before any other competent authority.
© Swiss Post, May 2012