Terms of Use
Preamble
These Terms and Conditions of Use are entered into between:
—the website operator, hereinafter referred to as “the Publisher”—and
—any person wishing to access the website and its services, hereinafter referred to as “the User.”
Article 1 – Principles
The purpose of these Terms and Conditions of Use is to provide a legal framework for the use of the Kompas Communication website and its services.
- The website https://finance-et-vous/ is a service provided by: Financial Management Consulting
- The Single-Member LLC: Finance and You
- Located at 18 Rue de la Sauzeraie, 44880 SAUTRON, FRANCE
- Website URL: https://finance-et-vous.fr
- Email:yannick.martin@finance-et-vous.fr
- Phone number: 06 64 31 14 33
All Users must accept the Terms and Conditions of Use, and their access to the site constitutes acceptance of these terms.
Article 2 – Changes to and Term of the Terms of Use
These Terms and Conditions of Use are entered into for an indefinite term. The agreement takes effect with respect to the User as of the start of use of the service. The Finance et vous website reserves the right to modify the provisions of these Terms and Conditions of Use at any time and without justification.
Article 3 – Access to the Website
Any User with Internet access can access the Finance et vous website for free from anywhere. The Publisher is not responsible for any costs incurred by the User to access the site (Internet connection, computer equipment, etc.).
Article 4—Responsibilities
The Publisher shall not be held liable in the event of any failure, malfunction, difficulty, or interruption in operation that prevents access to the site or any of its features.
The User is solely responsible for the equipment used to connect to the site and must take all appropriate measures to protect that equipment and data, particularly from virus attacks via the Internet. The User is also solely responsible for the websites and data they access.
The Publisher shall not be held liable in the event of legal proceedings brought against the User:
– arising from the use of the website or any service accessible via the Internet;
– arising from the User’s failure to comply with these Terms and Conditions.
The Publisher is not liable for any damages caused to the User, third parties, and/or the User’s equipment as a result of the User’s connection to or use of the site, and the User waives any right to bring a claim against the Publisher in this regard.
If the Publisher were to become the subject of an out-of-court or judicial proceeding as a result of the User’s use of the site, the Publisher may take action against the User to seek compensation for all damages, sums, judgments, and costs that may arise from such a proceeding.
Article 5 – Intellectual Property
All technical documents, products, photographs, texts, logos, drawings, videos, etc., are subject to copyright and are protected by the Intellectual Property Code. When provided to our clients, they remain the exclusive property of Finance, and you, as the sole owner of the intellectual property rights to these documents, must return them to Finance upon request.
Our customers agree not to use these documents in any way that could infringe upon the supplier’s industrial or intellectual property rights, and agree not to disclose them to any third party without the Publisher’s express prior authorization.
Article 6 – Hyperlinks
Users are strictly prohibited from creating any hyperlinks to all or part of the website without the Publisher’s prior written authorization, which must be requested by email at the following address:yannick.martin@finance-et-vous.fr
The Publisher is free to deny this authorization without having to justify its decision in any way. If the Publisher grants its authorization, it is in any case only temporary and may be revoked at any time, without the Publisher being required to provide any justification.
In any case, any link must be removed upon simple request by the Publisher.
Any information accessible via a link to other websites is not under the control of the Publisher, who accepts no responsibility for their content.
Article 7 – Protection of Personal Data
Data Collected
The personal data collected on this website are as follows:
– account creation: when the user creates an account: last name; first name; email address; phone number; mailing address; banking information;
– login: when the user logs in to the website, the site records, among other things, the user’s last name, first name, login information, usage data, location data, and payment information;
– profile: using the services provided on the website allows users to complete a profile, which may include an address and a phone number;
– payment: when paying for products and services offered on the website, the website records financial data related to the user’s bank account or credit card;
– communication: when the website is used to communicate with other members, data concerning the user’s communications is temporarily stored;
– cookies: Cookies are used in connection with the use of the website. Users can disable cookies through their browser settings.
Use of Personal Data
The personal data collected from users is used to provide the website’s services, improve them, and maintain a secure environment. More specifically, the data is used for the following purposes:
– user access to and use of the website;
– managing the website’s operation and optimizing its performance;
– establishing the terms of use for payment services;
– verification, identification, and authentication of data submitted by the user;
– offering the user the ability to communicate with other users of the website;
– providing user support;
– personalizing services by displaying advertisements based on the user’s browsing history and preferences;
– prevention and detection of fraud and malware (malicious software), and management of security incidents;
– management of any disputes with users;
– sending commercial and promotional information based on the user’s preferences.
Sharing Personal Data with Third Parties
Personal data may be shared with third-party companies in the following cases:
– when the User uses payment services; to provide these services, the website works with third-party banking and financial companies with which it has entered into contracts;
– when the User posts publicly accessible information in the website’s open comment sections;
– when the User authorizes a third-party website to access their data;
– when the website uses service providers to provide user support, advertising, and
– when the website uses service providers to provide user support, advertising, and payment services. These service providers have limited access to user data, solely for the purpose of performing these services, and are contractually obligated to use such data in accordance with the provisions of applicable regulations regarding the protection of personal data;
– If required by law, the website may disclose data to address claims filed against the website and to comply with administrative and judicial proceedings;
– If the website is involved in a merger, acquisition, asset sale, or bankruptcy proceeding, it may be required to transfer or share all or part of its assets, including personal data. In such cases, users will be notified before any personal data is transferred to a third party.
Security and Privacy
The website implements organizational, technical, software, and physical digital security measures to protect personal data from alteration, destruction, and unauthorized access. However, it should be noted that the Internet is not a completely secure environment, and the website cannot guarantee the security of the transmission or storage of information over the Internet.
Enforcement of User Rights
In accordance with the regulations governing personal data, users have the following rights, which they may exercise by submitting a request to the following address:yannick.martin@finance-et-vous.fr
- Right of access: Users may exercise their right of access to find out what personal data is held about them. In such cases, before granting access, the website may request proof of the user’s identity in order to verify its accuracy.
- The right to rectification: If the personal data held by the website is inaccurate, users may request that the information be updated.
- The right to have data deleted: Users may request the deletion of their personal data in accordance with applicable data protection laws.
- The right to restrict processing: Users may request that the website restrict the processing of their personal data in accordance with the circumstances set forth in the GDPR.
- The right to object to data processing: Users may object to the processing of their data in accordance with the provisions of the GDPR.
- The right to data portability: Users may request that the website provide them with the personal data they have submitted to it so that they can transfer it to a new website.
Changes to This Clause
The website reserves the right to make any changes to this privacy policy at any time. If a change is made to this privacy policy, the website agrees to publish the new version on its site. The website will also notify users of the change via email at least 15 days before the effective date. If a user does not agree with the terms of the revised privacy policy, they may delete their account.
Article 8 – Cookies
The Finance et vous website may automatically collect standard information. All information collected indirectly will be used solely to track the volume, type, and pattern of traffic on this site, to improve its design and layout, for other administrative and planning purposes, and, more generally, to enhance the service we provide to you.
Article 9 – Governing Law
These Terms and Conditions of Use are governed by French law. If the parties are unable to resolve a dispute amicably, the dispute shall be subject to the jurisdiction of the French courts.