Additional notes on the data privacy policy for purchase on account, payment by instalment or payment by SEPA Core Direct Debit from Swarovski Crystal Online AG (hereinafter: “we”)
(As of: 17 March 2016)
  1. You will be asked to provide your consent under data protection law during the order process when making a purchase on account or by installments. These provisions are provided to you again below for information purposes only.

  2. When choosing to purchase on account, pay by instalment or pay by SEPA Core Direct Debit, you expressly agree to the transfer of personal data for processing these types of payments (first name, last name, address, email, phone number, date of birth, IP address, sex) together with the items of data necessary for processing the transaction (article, invoice amount, interest, instalments, due dates, total amount, invoice number, taxes, currency, data and time of order) to payolution. payolution has a legitimate interest in these items of data, and requires and utilises them to perform risk analyses.

  3. To conduct customer credit checks, queries and requests for information are made from databases in the public domain as well as credit agencies. By accepting these T&Cs, you expressly give your consent to the requesting of credit scores from the following credit agencies:

    You also hereby agree that payolution is also authorised to store, process, use and share with the abovementioned credit agencies data that concerns behaviour contrary to the terms of the contract (e.g. uncontested open receivables).

  4. By accepting these T&Cs, you also acknowledge that we have a basic legal obligation to verify your creditworthiness, as we are required to do so by the provisions of the German Civil Code (BGB) on financial assistance agreed between businesses and consumers.

  5. In the event of a purchase on account, payment by instalment or payment via SEPA Core Direct Debit, you expressly consent to the fact that we share data with payolution GmbH about acceptance (personal data, purchase price, term of the instalment plan, date of first instalment) and the contractual processing (e.g. early repayment, extensions to the term, repayments made) of this instalment transaction. Following assignment of the purchase price receivable, the bank handling this receivable will perform the stated data transfers, to which you also give your express consent. We, and the bank to which the purchase price receivable is assigned, will also provide payolution GmbH with data about activities contrary to the agreed contract (e.g. termination of the instalment plan, debt collection). In accordance with data protection law, these reports may be made only insofar as this is necessary to safeguard the legitimate interests of business partners of payolution GmbH or the general public while avoiding any impairment of your own legitimate data protection interests. payolution GmbH stores the data in order to provide those of its business partners who offer commercial instalment plans and other credit business to consumers with information for assessing the creditworthiness of customers. For the purposes of debtor identification and location, address data may be shared with commercial debt collection agencies currently under contract with payolution GmbH. payolution GmbH provides its business partners with this data only if the latter can credibly state their case for having a legitimate interest in data transfer. payolution GmbH shares raw data only: no statements are provided by the bank, nor does the information it provides include subjective value judgements or details of personal financial circumstances.

  6. We wish to inform you that you may withdraw your consent to our sharing of your data at any time and without stating a reason for doing so. Please note: any withdrawal of consent on your part does not affect our abovementioned legal obligations to verify your creditworthiness. As a final point, you also agree that the statements you make to us will be truthful at all times. If you should require information about the use of your personal data that is currently held on file, please contact

  7. Applicable law and place of jurisdiction

  8. Insofar as legally permissible, the place of performance for all business is the company’s registered head office. The language for contracts, ordering and business is German.

  9. The contractual relationship you conclude with us is governed solely by the law of the Federal Republic of Germany. All disputes arising from the contract we conclude with you are to be heard before the court of your place of general jurisdiction. No agreement has been made for settling legal disputes from this contractual relationship by means of an out-of-court grievance or mediation procedure. If a provision of these T&Cs should prove invalid, this does not affect the validity of the remaining provisions of these T&Cs.