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 is CHF 29.90 including 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 authority or secure processing service rejects an order because of incorrect or incomplete information, missing entitlement, insufficient documents, a change of jurisdiction, or a similar reason, the original order is considered processed. No automatic refund is made in these cases, and a new order may be required.

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

SMART GmbH may contact you in connection with your order, particularly regarding status, payment, missing information, support, security, or delivery. After an order, and where permitted by law, we may contact you about similar services or a possible renewal of a debt-register extract. You can object to such communication at any time by emailing info@scalingmicroagile.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 5 July 2026