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Terms and conditions

Online Services Agreement


1.1 Subject to the terms and conditions set forth herein and in the Order Form (hereinafter jointly referred to as the "Contract"), CRIF AG, a company registered in Switzerland and located at Hagenholzstrasse 81, 8050 Zurich, (“CRIF”) provides its services exclusively to entities lawfully conducting business activity, (e.g. individual entrepreneurs or commercial companies), who buy such services in relation to their business activity and accept the terms and conditions expressed in this Contract as well as other relevant documents (“CUSTOMER”). The service provided by CRIF gives access, within the limits allowed by law and for the period covered by this Contract, to business information including commercial information on companies and enterprises in different countries, referred herein as the "iCRIF Service". CRIF and the CUSTOMER are also hereinafter jointly referred to as the “Parties”. “Order Form” means an online ordering document available on the Website, specifying the information and services requested by the CUSTOMER as well as the applicable fees.

1.2 Detailed information on the iCRIF Service is contained on the website"Website") and in the Order Form which is an integral part of the Contract.

1.3 The CUSTOMER declares from this time forth that the iCRIF Service is suitable for the specific use the CUSTOMER intends to make of it and assumes all relevant risk.


2.1 Upon completion of the online registration, online acceptance of this Contract, filling out the Order Form and the successful payment of the amount specified in the Order Form, CRIF shall provide the CUSTOMER with the identification code (username) and the access key (password) for using the iCRIF Service through the Website.

2.2 The CUSTOMER shall use the identification code and the access key to access the Website and make requests for the information of interest, as available within the iCRIF Service. It will be possible to view the requests and the results on the Website.

2.3 CRIF will not be responsible for any defect, discontinuity or impossibility in accessing and/or using the iCRIF Service resulting from circumstances that are not under the control of CRIF (such as, for example, any defect in the equipment used by the CUSTOMER for accessing the iCRIF Service, problems in the Internet network, force majeure or unforeseeable events).

2.4 The Parties expressly stipulate that, should it become necessary for CRIF to perform maintenance operations on the iCRIF Service, as to ensure correct access and continuity in supplying the service, CRIF may proceed, by means of online communication on the Website, to temporarily suspend the access to the iCRIF Service.

2.5 The iCRIF Service is subject to the availability of the data and information as provided by the competent public authorities and the third party providers that are specialized in processing information from public archives and/or other sources.

2.6 The CUSTOMER shall not resell and/or provide to third parties the information obtained from the iCRIF Service, either individually or in aggregate (including within the same group of companies of the CUSTOMER). Any other utilization without the prior written consent of CRIF shall be deemed to constitute an abuse.

2.7 The CUSTOMER has been made aware and accepts that the activation of the iCRIF Service, in accordance to the provisions of section 6, allows the CUSTOMER to purchase only the information specified in the Order Form.

2.8 Without prejudice to the provisions of point 4.3 below, notice of any changes to the contents, to the available information and reports specified in the Order Form, to the functionality, to the features, and to the financial terms and conditions of the service will be communicated by CRIF to the CUSTOMER via electronic means at the address provided by the latter on the registration form filled out at the time of acceptance of this Contract; these changes will be considered to be governed by this Contract and its integral and substantial parts.

2.9 The object of the performances rendered by CRIF shall under no circumstances constitute any possible assignment of proprietary rights. CRIF shall be comprehensively and exclusively entitled to all rights (incl. copyrights and other intellectual property) related to the works and materials provided to CUSTOMER within the iCRIF Service. The ideas, concepts, methods, techniques and know-how used by CRIF for the contractual fulfilment can also be used by CRIF for other purposes at its complete discretion.


Subject to section 2.3 and 2.4,iCRIF Service is available24 hours per day, 7 days per week (24 X 7) as of the date of activation of the identification code (username) and the access key (password).


4.1 CRIF undertakes to use the best practices for managing the iCRIF Service data and information. Furthermore, the CUSTOMER has been made aware that CRIF receives, among other things, the information and data specified in this Contract from third-party providers, and will not be held responsible under any circumstances for any incompleteness and/or errors and/or defects that are not attributable to CRIF itself in providing this iCRIF Service.

4.2 Any obstacles to the collection of the data and information caused by the non-availability of the public sources or third party providers to provide such data, will not be attributed to CRIF.

4.3 The CUSTOMER is aware that the organization and structure of the information within the iCRIF Service are subject to applicable laws and regulations and, therefore, are subject to possible modifiation and restructuring in case of relevant changes in such laws and regulations. Furthermore, CRIF is authorized to make any changes of a technical nature and/or in the content and/or in the type of information included in the iCRIF Service, that should become necessary for technical reasons, organizational reasons, or for reasons not attributable to CRIF.


5.1 For accessing the iCRIF Service the CUSTOMER is required to pay in advance the amounts specified in the Order Form that the CUSTOMER is required to compile at the time of acceptance of this Contract, according to the methods of payment selected on the Order Form. The amounts are considered to include VAT and other duties and expenses related to the provision of the iCRIF Service, with the exception of anything expressly indicated in the Order Form and subsequent amendments pursuant to point 2.8.

5.2 In case the CUSTOMER selects in the Order Form the prepaid amount option as method of payment (hereinafter “Prepaid Amount”), the credit corresponding to the Prepaid Amount selected will be progressively consumed by each purchase of information from the iCRIF Service, which will automatically reduce the Prepaid Amount, according to the rates specified in the same Order Form.

5.3 Once all the Prepaid Amount has been exhausted, also before the expiration of the Contract term specified in section 6.1, the CUSTOMER may restore its credit by accessing the order utility on the Website and paying a new Prepaid Amount. Upon reception of the payment by CRIF, the credit corresponding to the CUSTOMER will be updated.

5.4 The Prepaid Amount must be completely used by the end of each initial or renewed term of 12 (twelve) months during which has been paid, also in the case of payment of a new Prepaid Amount according to section 5.3. Any residual amount not consumed at the time of expiration will not be refunded to the CUSTOMER or may be used by the latter during the subsequent renewed term.

5.5 For each order of information made by the CUSTOMER, CRIF will issue an invoice which will be sent to the CUSTOMER via electronic means at the e-mail address provided by the CUSTOMER on the registration form filled out at the time of acceptance of this Contract.

5.6 The fees defined in the Order Form are subject to a yearly basis increase on the basis of the increase in the annual price index of goods and services for the previous calendar year issued by theSwiss Federal Statistical Office.

5.7 Moreover, CRIF reserves the right to adjust the rates defined in the Order Form whenever the costs for performing the iCRIF Service increase for any reason. In the latter case CRIF will inform the CUSTOMER of the new prices via electronic means, reserving the right to publish on the Website the new current rates. The new prices will be automatically applied no sooner than 30 (thirty) days after such notification to CUSTOMER.

5.8 In case of changes in the prices according to section 5.7, the CUSTOMER is entitled to withdraw from the Contract. If the CUSTOMER intends to exercise its right to withdraw, it shall give written notice of such intention to CRIF, by registered letter with return receipt, within 30 (thirty) days after receipt of the aforesaid notification from CRIF. The withdrawal will be effective from the first day of the second month following the date of application of the price increase, without prejudice to the CUSTOMER’s right in this case to the reimbursement of the amount already paid by the CUSTOMER net of any amounts that have already been used as of the date of the Contract termination. In such case, it is understood that the new prices will not be applied to the CUSTOMER.


6.1 This Contract will be effective as of the date of online registration and completion by the CUSTOMER of the acceptance procedure on the Website, following the successful payment of the fees and the other charges set forth in the Order Form("Effective Date") and shall continue for the term set forth in the Order Form, unless terminated according to procedure set forth in section 10 or 5.8.


7.1 CRIF will be able to make any changes deemed necessary or appropriate to the structure of the information provided, without any objection being opposed by the CUSTOMER.

7.2 CRIF will not be held responsible for damages of any kind and for any reason that is incurred by the CUSTOMER or third parties in relation to this Contract or to the services described herein, due to unforeseeable events, force majeure, incorrect functioning of the national and international data and telephone networks and/or the incorrect functioning of the equipment used by the CUSTOMER.

7.3 CRIF, which receives information originating from public archives and/or other sources processed by specialized third party providers, will not be held responsible under any circumstances for any errors, incompleteness, or any other defects in connection with the information and data provided. Specifically, CRIF will not be held responsible, either directly or indirectly, with regard to the content of the information or for any damage resulting from such errors, incompleteness or defects or, in any case, for reasons beyond its control. Without prejudice to the provisions of this section, CRIF shall be considered responsible solely for direct damages (excluding indirect, incidental or consequential damages such as, without limitation, loss of profit) caused to the CUSTOMER as a result of malicious intentions or gross negligence of CRIF in the performance of the iCRIF Service.

7.4 CRIF is exempt from all responsibility following the use, by the CUSTOMER and/or by their successors in title, of the information and data provided within the iCRIF Service, specifically, but without any exclusion whatsoever, in case of use that does not conform with the laws in force and/or the methods and/or the terms and conditions specified in this Contract; specifically, it will not be held responsible in any manner for any decisions and/or evaluations made by the CUSTOMER on the basis of the information and data from the iCRIF Service.

7.5 CRIF does not assume any obligation or give any guarantee not expressly included in this Contract.


8.1 The CUSTOMER guarantees (i) that it is an entity lawfully conducting business activity, such as a company or an individual entrepreneur, who uses the iCRIF Service exclusively in the context of his business or professional activities; (ii) that the data provided for the stipulation of the Contract are truthful, correct, and up-to-date; the violation of this guarantee constitutes cause for the immediate termination of this Contract and gives CRIF the right to definitively retain the price paid as a penalty, without prejudice to the right to demand larger damages.

8.2 Any changes to the data provided, that is, the postal address and the e-mail address, must be promptly reported to CRIF to allow them to update said data; if the CUSTOMER does not promptly report such changes, any claim and/or responsibility could be opposed by CRIF.

8.3 The CUSTOMER undertakes to use the information and the data from the iCRIF Service diligently and not to transfer for any reason, reuse, resell, and/or make available to third parties the information from the iCRIF Service. The CUSTOMER is not authorized to disclose the information from the iCRIF Service, releasing CRIF from any improper or non-compliant use of said information by the CUSTOMER.

8.4 The CUSTOMER undertakes to keep, in a safe and confidential manner, the identification code and the access key provided by CRIF; the violation of this obligation may result in the automatic termination of this Contract, without prejudice to the right of CRIF to definitively retain the amounts already paid by the CUSTOMER as a penalty, without prejudice to the right to demand further damages.

8.5 Should the confidentiality of the access key be compromised for any reason (theft, loss, etc.), the CUSTOMER is required to immediately inform CRIF of this situation by any means as soon as they get informed, and then confirm this notification by sending a registered letter with acknowledgement of receipt within 24 hours. It is understood that the CUSTOMER is considered responsible for any purchase made until 10:00 a.m. of the first working day after CRIF receives the registered letter. CRIF undertakes to deactivate the access key as soon as possible.

8.6 The CUSTOMER is responsible for any damage resulting if:
- it uses the data and information from the iCRIF Service to upset, abuse, limit, or, in any case, violate the rights of interested third parties and/or, in any case, not in line with the purpose of the iCRIF Service and not in compliance with the current regulations regarding the protection of personal data;
- it uses brands, names, and/or logos belonging to CRIF;
- it allows unauthorized people to use the identification code and the access key;
- it introduces and/or uses files or other material containing incorrect data and/or viruses;
- it violates the contractual provisions for which it is responsible.

8.7 It is also agreed between the Parties that any evaluations resulting from the consultation of the data and information from the iCRIF Service are undertaken by the CUSTOMER, and/or by their successors in title, with complete autonomy and under their own sole and direct responsibility.

8.8 The CUSTOMER undertakes to ensure that it as well as all his employees who obtain information from CRIF, irrespective of the country where the CUSTOMER is based, shall adhere to the Swiss data protection provisions set out in the Data Protection Act (Datenschutzgesetz – “DSG”, and in the associated Data Protection Ordinance (“VDSG”, The CUSTOMER undertakes to keep the (physical) proof of interest ready at all times for a possible random check conducted by the Data Protection Officer Representative. The CUSTOMER shall be fully liable for any breach of a duty imposed upon the CUSTOMER on the basis of the abovementioned data protection legislation or by any other applicable law.


9.1 The Contract and the rights and obligations arising from it cannot be transferred by the CUSTOMER to third parties, in whole or in part, without the prior written consent of CRIF.

9.2 The CUSTOMER expressly authorizes CRIF to transfer this Contract to other companies that are subsidiaries, parent companies, affiliated companies, or associated companies of CRIF.


10.1 CRIF has the right to unilaterally terminate this Contract at any time, by giving prior written notice to the CUSTOMER of at least 30 (thirty) days, without prejudice to the CUSTOMER’s right in this case to the reimbursement of the amount already paid by the CUSTOMER net of any amounts that have already been used as of the date of the Contract termination. The CUSTOMER has noted that due to nature of the iCRIF Service there`s no right to withdrawal.

10.2 The following breaches of Contract by CUSTOMER will result in the immediate termination of the Contract upon written notice, without any requirement to obtain a legal ruling, and without prejudice, in any case, to the right of CRIF to withhold the remaining amount from the amount paid:
- violation of section 2.6;
- violation of sections 8.1, 8.3 and 8.4;
- violation of section 9;
- violation of section 12.


The Parties expressly stipulate that for any dispute arising from the Contract and, in any case, for any dispute relating to or in connection with said Contract, the court of competent jurisdiction is exclusively the court of competent jurisdiction for the capital city of Zurich. This Contract is governed by the laws of Switzerland.


12.1 CRIF is considered to be the Data Controller of the personal data provided by the CUSTOMER for the purpose of the iCRIF Service, as per the definition contained in the Swiss data protection law.

The parties acknowledge and agree that the information obtained from iCRIF Service may contain personal data. The CUSTOMER undertakes to ensure that it, as well as all its employees who obtain information from CRIF, shall protect personal data contained in the information obtained from iCRIF Service and to that extent adhere to the applicable data protection laws and regulations. The CUSTOMER shall be fully and solely liable for any breach of a duty imposed upon the CUSTOMER on the basis of data protection legislation. Web Site Terms of Use

Last modified: 07.2.2017

Using our Web Site

This web site (“Web Site”), available under address is provided by CRIF S.p.A. (“CRIF”/ “we” / “us”), a company registered in Italy and located at Via Mario Fantin 1-3, 40131 Bologna, Italy.

By using our Web Site, you and/or your company are agreeing to these terms (“Terms”), which shall take effect immediately on your first use of this Web Site. Please read them carefully. If you and/or your company do not agree to be bound by all of these Terms, you must leave this Web Site immediately.

A number of our services are presented on this Web Site (“Services”). These Services are available exclusively for persons conducting business activity (e.g. individual entrepreneurs, commercial companies or other legal persons) and only when purchased in relation to this business activity. How you and/or your company buy and use each of these Services will depend on separate terms and conditions provided by us or other organizations. Those terms and conditions of use of Services constitute separate documents available on the Web Site.

You and/or your company must follow any policies made available to you within the Web Site. Do not misuse the Web Site. For example, do not interfere with the Web Site functionalities or try to access it using a method other than the interface and the instructions that we provide.

You and/or your company may use the Web Site only as permitted by law.

The content on this Site is for use of our Services by you and/or your Company only and not for any further commercial exploitation by you. You and/or your company may not reproduce, republish, distribute, display or transmit for commercial, non-profit or public purposes all or any portion of the Web Site, except to the extent permitted above. You and/or your company may not use this Web Site to transmit any false, misleading, fraudulent or illegal communications.

We reserve the right to investigate complaints or reported violations of our Terms and to take any action we deem appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other relevant public authorities and, if required by law, disclosing any information necessary or appropriate to the above-mentioned entities relating to user profiles, e-mail addresses, usage history, posted materials, IP addresses and traffic information.

We may suspend or stop providing the Web Site to you and/or your company if you and/or your company do not comply with our Terms or policies or if we are investigating suspected misconduct.

We are constantly changing and improving the Web Site. We may add or remove functionalities or features, and we may suspend or stop to provide the Web Site altogether.

CRIF may also add or create new limits to the Web Site at any time. If we discontinue or change a functionality of the Web Site, where reasonably possible, we will give you and/or your company reasonable advance notice.

In connection with your use of the Web Site we may send you and/or your company service announcements, administrative messages, and other information. Account

You and/or your company need to create a Company Account in order to subscribe and use our Services. Company Account may be created exclusively by a person conducting business activity (e.g. individual entrepreneurs, commercial companies or other legal persons) and only for the sake of using the Services in relation to this business activity.

You and/or your company can create your own Company Account by signing up and registering you and/or your company.

Only the legal representatives or duly empowered proxy-holders of your company are allowed to create a Company Account on behalf of the company. When you sign up you represent and warrant that you have the authority to accept these Terms on behalf of the company.

Registration of Company Account is subject to our discretionary decision. If your and/or your Company’s request for registration is accepted: - your Company Account is created; - a default area for your Company Account is created; - a default billing centre for your Company Account is created; - the credentials and instructions how to access the Account are sent to the email address you indicated when signing up.

We do not permit anyone other than you to access the Company Account by using your credentials; You are the sole responsible for preventing such unauthorized use.

To protect your Company Account, preserve with maximum diligence and attention the secrecy and confidentiality of your password and credentials, preventing them from being used inappropriately, erroneously or without authorization. Do not reuse your password on third-party applications.

You are the sole responsible for the activity carried out by your employees or representatives or by any unauthorized third party on or through your Company Account.

If you learn of any unauthorized use of your Company Account you shall immediately inform CRIF in writing to

You agree to provide accurate and complete registration information. It is your responsibility to inform us of any changes to that information.

CRIF will processes your data in accordance with our privacy policies.

Subscribing our Services

In order to subscribe one of our Services you need to be a person conducting business activity (e.g. individual entrepreneur, commercial company or other legal person) and subscribing our Services in relation to this business activity.

Subscription of our Services must be done upon signing in to a Company Account.

Only when you and/or your company accepts the relevant terms and conditions the Service is activated for that Company Account.

Our Warranties and Disclaimers

We provide the Web Site using a commercially reasonable level of skill and care and we hope that you will enjoy using it.

Other than as expressly set out in these Terms or any additional terms, CRIF make no specific promises about the Web Site.

We do not make any commitments about the content within the Web Site, the specific functions of the Web Site, or their reliability, availability, or ability to meet your needs.

We provide the Web Site “as is” and we give no warranties, conditions, guarantees or representations, expressed or implied that this Web Site will be available without interruption, or that it is error, virus or bug free. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and any other appropriate or applicable security checks) to satisfy your particular requirements as to the accuracy and or content of information.

Liability for the Web Site

When permitted by law, CRIF will not be responsible for any lost profits, revenues or data, financial losses or indirect, special, consequential, exemplary, or punitive damages that might be incurred as a result of using the Website or the Services.

In all cases CRIF will not be liable for any loss or damage that is not reasonably foreseeable.

However, nothing in these Terms removes or limits our liability for death or personal injury caused by our negligence or for any liability, which we cannot limit or exclude under the law.

We shall not be liable for any loss, injury, claim, liability or damage of any kind resulting from your and/or your company’s use of the Web Site. You and/or your company shall hold harmless and indemnify CRIF and its affiliates, officers, agents, and employees from any claim, suit or action arising from or related to the use of the Web Site or violation of these Terms by you and/or your company, including any liability or expense arising from claims, losses, damages, suits, judgments, litigation costs and attorneys’ fees.

Link Policy

This Web Site may contain hypertext links to web pages operated and maintained by third parties. These links are provided for your convenience only and we do not control and are not responsible for the contents of such web pages. Our inclusion of such links does not imply any endorsement of the material contained therein or of the owners. If you use the links to visit third party web pages, you do so at your own risk. You must not link to our Web Site without first obtaining our written permission.

General Provisions

We may modify these Terms to, for example, reflect changes to the law or changes to the Web Site.

We will post notice of modifications to these Terms on this page.

If you do not agree to the modified Terms you shall discontinue your use of the Web Site.

These Terms control the relationship between CRIF and you and/or your company. They do not create any third party beneficiary rights.

If you do not comply with these Terms, and we do not take action right away, this doesn’t mean that we are giving up any rights that we may have (such as taking action in the future).

If it turns out that a particular term is not enforceable, this will not affect any other term.

You agree that the Italian law will apply to any disputes arising out of or relating to these Terms.

All claims arising out of or relating to these Terms will be litigated exclusively in the courts of Bologna, Italy.

If you have any questions about this Web Site or these terms, please use the relevant contact details set out on the 'Contact us' page .

Privacy notice

This privacy notice describes the methods adopted by CRIF S.p.A., a company registered in Italy and located at Bologna, via Mario Fantin 1-3, in the management of its website, with reference to the processing its users' personal data. It applies to information we collect about visitors to our websites, users who register on such website and users of our services.

CRIF S.p.A. is the data controller of personal data collected in relation to the use of the website [] hosted and administered by CRIF S.p.A..


CRIF S.p.A. is part of the CRIF Group and, among other things, is engaged in the supply of added-value business information services, high quality data and freshly investigated credit reports on Italian and foreign companies; analytics, consulting, outsourcing and software solutions.

This policy sets out the purpose for which we use your personal information, provides details of how we use cookies and similar technologies (such as web beacons) to enable you to browse our website effectively. Furthermore, this document provides details of our information security practices for everyone coming into contact with our website, whether a client, a visitor to the website or the recipient of an email automatically sent by the website.

Purpose of processing

You can create and register your own account on our website. The personal information that you provide for the sake of setting up and register your own account on our website and the data we collect due to your use of this website will be processed and used only for the following purposes:
1. Registration and authentication
2. Put you in contact with our company for the subscription of our services and/or provide you with the services rendered on this website, if required
3. Contact users and clients by email/telephone for marketing purposes (also through our partners)
4. Hosting and back-end infrastructure
5. Behavioral Targeting
6. Analysis and statistics on users behavior within our website

The provision of data is voluntary; however, refusal to provide such data could result in failure or partial performance of the services indicated in points 1 – 3 above.

Use of cookies by CRIF

For full details on what “cookies” (small text files placed on your hard disk by a web page server) are, what they do, and which cookies are used by CRIF S.p.A., please see our Cookie Policy.

Processing Methods

The data shall be processed lawfully and correctly, in order to ensure data security and confidentiality. Personal data shall be processed using electronic, or at any rate, computerized devices.

Processed Data Types

The information systems and software procedures involved in the operation of this site acquire certain personal data during their normal operation. The transmission of this data is implicit in the use of Internet communication protocols. This information is not collected in order to be associated with identified parties, however, due to its very nature, it could make it possible to identify users through processing activity and association with data held by third parties. The type of data acquired includes: IP addresses and the domain names of users' computers who connect to the site, the addresses of the resources requested in URI notation (Uniform Resource Identifier), the time the request was made, the method used in making the request to the server, and other parameters related to the operating system and the computer environment of the user.

The optional and voluntary sending of emails to the addresses/with the request information form indicated on the site, involves the acquisition of the user's personal data, necessary in order to respond to the their requests.

Disclosure of the data

We may disclose your personal information to our business associates and other professional advisers, our employees and our agents, suppliers and providers of goods and services, financial organizations and advisers, regulatory authorities, only within the extent and for the purposes mentioned above and as required by laws or regulations.

Lawful processing

Any personal data collected by CRIF S.p.A. in connection with this website is processed in accordance with the requirements of the Italian data protection provisions set out in the Data Protection Act (Legislative Decree 196/2003 – Subjects of personal data have the right to access and correct data. This right can be exercised by contacting CRIF S.p.A.’s representatives at .

Links to other websites

Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information, which you provide whilst visiting such sites and such sites are not governed by this privacy policy. We accept no responsibility or liability for such other websites. You should exercise caution when entering personal information online and look at the privacy statement applicable to the website in question.

We constantly re-evaluate and deploy new technologies to enhance our security. CRIF S.p.A. is not responsible for the content, or privacy practices of any other websites to which we link.

Changes to this statement

This privacy statement is subject to change at any time. CRIF S.p.A. will post changes to this statement on our website prior to implementing any major changes.

Last modified: 07/02/2017


If you have any questions about this statement please contact us at