Terms and conditions

These terms and conditions govern the use of SMART GmbH’s online ordering process for debt-register information through Auszug24, Extrait24, and Estratto24.

1. Provider and role

SMART GmbH operates the website and is the contracting party for the online ordering process. SMART GmbH is not a debt enforcement office and does not issue the extract itself. We collect the required information, perform technical pre-checks, transmit the order securely to the connected processing service or responsible authority, and support communication related to the order.

2. Service

The service includes digital receipt of the order, identifying the responsible authority from the address entered, secure processing of the required details and documents, payment handling, and transmission to the secure eSchKG DI process. Final acceptance, processing, and issuance depend on the responsible authority or connected secure processing service.

3. Customer obligations

All information must be true, complete, and current. The person ordering must be entitled to request the extract. Orders concerning another person or a company may require evidence of a legitimate protected interest. Identification, signature, and other evidence must be legible, valid, and uploaded in an accepted file format.

4. Data processing and transmission

By placing an order, you authorise SMART GmbH to process the personal, contact, address, document, signature, payment, and status data needed for the order, and to transmit it to recipients required for fulfilment. These include the SMART platform, the secure eSchKG DI processing service, responsible authorities or debt enforcement offices, payment providers, and the necessary email, hosting, security, and support providers. Further information is available in the privacy policy.

5. Price and payment

The displayed price includes the selected services, mandatory fees and, where applicable, VAT. Payment takes place in a secure environment. SMART GmbH does not store card details. The order continues or is completed only after successful payment confirmation.

6. Rejection, cancellation, and refunds

Once payment is confirmed and secure processing has begun, an order can generally no longer be cancelled. If the responsible debt enforcement office or secure processing service rejects an order because of incorrect or incomplete information, missing entitlement, insufficient documents, a change of jurisdiction, or another authority-related reason, SMART GmbH’s required processing and transmission service is considered performed. The amount paid for that service is not refunded, and a new order may be required. Mandatory statutory rights remain unaffected.

If the debt-enforcement office cannot issue the extract for a nontechnical reason, we refund paid add-ons that consequently cannot be provided: CHF 5.00 for the ordered A-Post copies and CHF 15.00 for the ordered DeepVerify certificate. The CHF 29.90 ordering, validation, and transmission service is not included. Each add-on is linked to its original payment, so separately paid add-ons may result in multiple credits. We normally review and initiate the refund within 72 hours. Depending on the payment provider, additional business days may pass before the credit appears. The status is shown in the protected order access.

If there is a demonstrable duplicate charge, or SMART GmbH cannot initiate the order for a technical reason within its responsibility, we will assess a correction, renewed initiation, or refund.

7. Processing time and delivery

Processing time depends on the responsible authority, the completeness of the information, and the technical availability of connected systems. Displayed or communicated times are estimates and do not guarantee a specific delivery time.

8. Security and retention

Uploaded files are technically checked before further processing. Documents are retained only for as long as necessary for order fulfilment, traceability, support, security, legal obligations, and legitimate business interests. Incomplete orders and uploads may be deleted after the applicable periods expire.

9. Communications and reminders

By submitting the order and accepting these terms, you authorise SMART GmbH to contact you through the contact details you provide for initiating, performing, and delivering the order, and regarding its status, payment, missing information, support, and security, by email, WhatsApp, SMS, telephone, or postal mail. For WhatsApp, this authorisation is recorded for the normalised mobile number, partner context, and CASE_LIFECYCLE purpose together with the policy version, evidence reference, and timestamp. You can stop WhatsApp messages by sending STOP and reactivate them by sending START. If one channel is unavailable, operational messages may be sent through another permitted channel.

This order communication does not authorise marketing. After an order, we may contact you about similar services or a possible renewal of a debt-register extract only where permitted by law. You can object to such communication at any time by emailing support@stn.ch.

10. Liability

To the extent permitted by law, SMART GmbH is not liable for delays, rejections, or decisions by authorities or connected processing systems; incorrect or incomplete customer information; unaccepted documents; external system failures; or indirect loss. Mandatory statutory liability remains unaffected.

11. Amendments and applicable law

SMART GmbH may amend these terms for future orders. The version published when an order is placed applies. Swiss law applies; mandatory jurisdiction and consumer-protection rights remain unaffected.

Version dated 8 August 2026