Terms of Use for the ISO 20022 Test Platform of Credit Suisse

Pure ISO 20022 Test Platform, no business relationship: This ISO 20022 Test Platform serves solely to enable every interested person, without prior checking ("User"), to subject standard ISO 20022 formats to technical tests. It is not a payment or other banking system with which real payments or other transactions can be carried out, but a pure test environment. All Users are thus strongly recommended to use only fictitious or anonymized data for their tests. Accepting these Terms of Use and/or using the ISO 20022 Test Platform in no way constitutes a client or any other business relationship with Credit Suisse.

Use test documents only for test purposes: The documents generated on the ISO 20022 Test Platform are only test documents and are not proof of actual payments or other transactions. They may be used solely for testing ISO 20022 formats and not for any other purposes. Please note that misuse of a test document for any other purpose may result in criminal prosecution.

Registration, security elements: In order to create a test account on and use the platform, a User must define a user ID and a password of his or her choice ("security elements") and register with them. No other information or checks of the User are required or conducted. The platform operator reserves the right to change the type or extent of the security elements to introduce (e.g. an additional element for access to the platform besides the user ID and password).

Liability for access to the test account: Each person has access to the test account with the security elements for the relevant User. The User is solely responsible for keeping the security elements confidential at all times and is strongly recommended to do so, and to protect them from misuse by unauthorized parties. If there is reason to believe that an unauthorized third party has gained knowledge of security elements, the security element in question must be changed. The User bears full responsibility for all consequences arising from the use or misuse of the security elements.

Use of the ISO 20022 Test Platform, data transmission and storage: The ISO 20022 Test Platform (data storage) is located in Switzerland, operated, maintained and support provided by PPI AG Informationstechnologie (PPI), a service provider on behalf of CS, located in Germany. PPI may therefore need and have access to user data stored in Switzerland. In addition, Credit Suisse (Poland) Sp. Z o.o. (CS Poland) is provided with access to the ISO 20022 Test Platform and the associated user data for administration of the ISO 20022 Test Platform and for the purpose of analyzing user conduct. By using the ISO 20022 Test Platform, the User expressly consents to the aforementioned data processing by PPI and CS Poland. The User is aware that any information sent to Germany (PPI) or Poland (CS Poland) in this context with his/her consent is also subject to the laws of these countries. Laws in these countries do not necessarily provide the same degree of confidentiality, bank secrecy, or the same level of data protection as Swiss law does, and they may provide that CS Poland, PPI and/or Credit Suisse must disclose all or some of the data to the authorities or to other third parties.

The User is also advised that, in using the Internet, his/her data is transmitted via an open, publicly accessible network and such data may cross borders without any controls. This also applies to data transfers where both the sender and the recipient are located in Switzerland. During use of the ISO 20022 Test Platform, the individual data packets are generally transmitted in encrypted form. However, it cannot be completely ruled out that unauthorized persons may gain access to certain transmitted data. For example, certain technical aspects of the relationship such as IP addresses cannot be encrypted, and knowledge of such data may make it possible to localize the Internet connection and the device used. The User is solely responsible for the use and protection (e.g. by means of anti-virus programs, updates to the operating system, device lock) of all devices used. Credit Suisse does not assume any responsibility for these devices, as this is not technically feasible.

The files in the User's test account will be automatically deleted after 90 days (after the file is saved for the first time). However, the User can delete the test data/files at any time before the expiry date of 90 days in his/her test account. A deletion is definitive and cannot be reversed.

No liability for system error: No liability is assumed for losses incurred by the User as a result of transmission errors, technical defects, system overload, interruptions (including system-related maintenance work), malfunctions, or illegal interventions or malicious blocking of telecommunications infrastructure and networks or due to other inadequacies on the part of the telecommunications infrastructure and network operators.

Blocks, termination of operations: Credit Suisse is, at its sole discretion, entitled to block the access of all or individual Users at any time and without stating reasons or giving prior notice, if Credit Suisse in its own discretion deems this appropriate. In addition, Credit Suisse reserves the right to suspend operation of the ISO 20022 Test Platform at any time, and will in such a case provide information about the end of the operation on the ISO 20022 Test Platform. The User can terminate the use of the ISO 20022 Test Platform at any time by deleting his/her test account on the ISO 20022 Test Platform. A deletion entails an irreversible deletion of all data.

Changes to the Terms of Use: Credit Suisse may amend these Terms of Use at any time. The latest version of the Terms of Use can be accessed on the log-in page of the ISO 20022 Test Platform.

Applicable law, jurisdiction: All aspects of these Terms of Use are subject to Swiss law. The exclusive place of jurisdiction for all proceedings is Zurich or the registered office or domicile of the defendant. This is without prejudice to mandatory statutory places of jurisdiction.