• customer-support@compagnies-loan.com
  • Phone: +33 4 95 58 98 76

PRIVACY POLICY

All users of the Credito Citiz web site should read these Terms of Use carefully.

This Privacy Policy sets forth and informs you how Credito Citiz uses and protects the information you provide to us, if any, when you use this site accessible from the following URL: www.compagnies-loan.com (the "Site").

By accessing this website, the user declares to be in agreement with the following conditions, which are exclusively written in English. If the user does not agree with the conditions defined below or does not fully understand them, he or she is requested to renounce all access to this website.

Please take into consideration that this privacy policy may be modified or supplemented at any time by Credito Citiz, in particular in order to comply with any legislative, regulatory, jurisprudential or technological evolution. In such a case, the date of its update will be clearly identified at the top of this policy. These changes are binding upon the User as soon as they are posted online. It is therefore advisable for the User to regularly consult the present policy of confidentiality and use of cookies in order to be aware of its possible modifications.

1. PERSONAL DATA

In general, you can visit the Site without disclosing any personal information about yourself. In any event, you are in no way obliged to transmit such information to Credito Citiz. Nevertheless, in case of refusal, you may not be able to benefit from certain information or services that you have requested. Credito Citiz may in some cases ask you to provide certain information (hereinafter your "Personal Information"):

  • First and last name ;
  • Email address ;
  • Phone number ;
  • Mailing address ;
  • Date of Birth ;
  • Your marital status ;
  • Your nationality ;
  • The amount of your salary ;
  • The SIREN number of your company
  • The amount of credit you are looking for ;
  • Any personal comments you may leave ;

By providing this information, you expressly agree that it will be processed by Credito Citiz, for the purposes indicated in point 2 below and for the purposes recalled at the end of each form.

In accordance with the General Data Protection Regulation adopted by the European Parliament on April 14, 2016, and with the French Data Protection Act of January 6, 1978 as amended, Credito Citiz informs you of the following points:

1-1 Identity of the controller

The data controller is the company Credito Citiz, having its registered office at 167 Rue des Foulons 59500 - France. Phone : +33 4 95 58 98 76

1-2 Purposes of the treatment

  • (a) for the purpose of providing you with the information or services that you have requested to receive (such as ordering a product for sale on our Site or sending you our newsletters following your registration); and/or
  • (b) to collect information that enables us to improve our Site, products and services (including through the use of cookies); and/or
  • (c) in order to be able to contact you about various events relating to Credito Citiz, including but not limited to product updates.

1-3 Disclaimer of Liability

I acknowledge and agree that Credito Citiz may forward my credit application to Credito Citiz , Cembra Money Bank SA, BANK-now, Atlantic Union Bank, Bob Finance or any of its other partner entities (hereinafter each referred to as the "bank") by internet, e-mail, or fax/mail. In addition, I confirm the following points:

1-4 Examination of the application and information on appropriations

I confirm the accuracy of all data relating to me and authorise the financial institution to obtain information about me from third parties, in particular banks, the Central Office for Credit Information (ZEK), authorities (e.g. the Federal Banking Commission), banks and other institutions for the purpose of processing this application and the contractual relationship. (ZEK), authorities (e.g. prosecution office, tax authorities, residents' registration office, child and adult protection authorities), credit information agencies, credit intermediaries, employers, companies in the financial institution's group and, if applicable, the Association for the Management of a Consumer Credit Information Centre (IKO). For the above-mentioned purposes, I release these bodies from banking, postal, official or business secrecy. Furthermore, I authorise the financial institution to report this application to the ZEK and, where applicable, to the IKO and, where required by law, to other bodies. In particular, the type, amount and terms of credit or financing, as well as the applicant's personal data and any qualified payment delays or abuses are to be reported. I acknowledge that the ZEK and IKO are entitled to provide their members with information on the data provided. The financial institution may refuse the application without giving reasons.

1-5 Collaboration with intermediaries

The financial institution may, in the case of applications transmitted to it by an intermediary, exchange with the latter the information necessary for the examination of the application/solvency and for the conclusion and performance of the contract.

1-6 Partner data

If I have made entries in the application regarding my spouse or registered partner ("Partner"), I confirm (i) that I have informed my Partner of this application, (ii) that the financial institution may verify the above entries directly with my Partner, and (iii) that my Partner agrees that the financial institution may obtain information (including inquiries from the KEZ) about my Partner as described above.

1-7 Data processing

I authorise the financial institution to process, evaluate and profile my data for marketing and risk management purposes. I authorise the financial institution to offer me other products and services, including those of its group companies. I may revoke this authorisation to process my data for marketing purposes or to send information at any time. The user of this site is informed that the information that he communicates through the forms on the compagnies-loan.com website is necessary to answer his request and is intended for the services in charge of answering his request for the purpose of following up this request. The user has the right to access, rectify, update and delete information concerning him/her by specifying in the subject line of the letter "Personal rights" and by attaching a copy of his/her proof of identity.

The user of this site may also object, for legitimate reasons, to the processing of his or her data and, without reason and free of charge, to the use of his or her data for commercial prospecting purposes.

We may process the following types of personal data about you:

Your contact information including your name, email address and phone number. User information, for example, if you log in to our service or visit our websites. This information may include IP number, device type and browser, time zone, geographic location, as well as your interests and preferences Information about how you interact with our services, for example, what features you use and what buttons you click.

1-8 Collaboration with service providers (outsourcing)

The financial institution may outsource services to third parties (hereinafter referred to as "service providers"), in particular with regard to the processing of business processes, IT security and systems management, market research and prospecting, the identification of business-relevant credit and market risks, and the administration of contractual relationships (e.g. application and contract processing, collection, customer communication). The financial institution shall provide these service providers with the data required for the fulfilment of their contractual obligations and may for this purpose also transmit such data abroad. Service providers, as well as their employees and subcontractors, are contractually obliged to ensure data protection in accordance with the requirements of the Federal Data Protection Act, to observe banking secrecy in accordance with the Federal Banking Act and to comply with the duty of confidentiality. In this context, I note that my data may be passed on to service providers established in states which may not have data protection equivalent to that of France.

I agree that the financial institution may use electronic means to communicate with me or the intermediary. I also agree to the transmission of data via the Internet and I am aware that the Internet is an open network accessible to all. Therefore, Credito Citiz and the financial institution cannot guarantee the confidentiality of data transmitted via the Internet. As a result, third parties may conclude that there is a current or future business relationship (banking if applicable) between myself and the financial institution.

1-9 Shelf life

Your Personal Information is kept by Credito Citiz only for the time corresponding to the purpose of the collection as indicated in 2 above, which in any event shall not exceed 24 months.

1-10 Data-processing Rights and Freedoms

You have the following rights concerning your Personal Information, which you can exercise by writing to us at the postal address (see point 1) or by using the contact form on the Site at the following url address: https://www.compagnies-loan.com/contact

1-11 Right of access and communication of data

You have the right to access your Personal Information. However, due to Credito Citiz's obligation of security and confidentiality in the processing of personal data, you are informed that your request will be processed provided that you provide proof of your identity, in particular by producing a scan of your valid identity document (in case of a request through our dedicated electronic form) or a signed photocopy of your valid identity document (in case of a written request).

compagnies-loan.com informs you that it will be entitled, if necessary, to oppose manifestly abusive requests (due to their number, repetitive or systematic nature). In order to help you in this process, in particular if you wish to exercise your right of access by means of a written request to the postal address mentioned in point 1, you will find by clicking on the following link a model letter drawn up by the National Commission for Information Technology and Freedoms in France (the "CNIL").

https://www.cnil.fr/fr/modele/courrier/exercer-son-droit-dacces

1-12 Right to rectify data

Under this right, the law entitles you to request the rectification, updating, blocking or deletion of data concerning you which may prove to be inaccurate, erroneous, incomplete or obsolete. You can also define general and specific guidelines on the fate of personal data after your death. Where appropriate, the heirs of a deceased person may demand to take into account the death of their loved one and/or make the necessary updates. To help you in this process, in particular if you wish to exercise, on your own behalf or on behalf of one of your deceased relatives, your right of rectification by means of a written request to the postal address mentioned in point 1, you will find by clicking on the following link a model letter drawn up by the CNIL.

https://www.cnil.fr/fr/modele/courrier/rectifier-des-donnees-inexactes-obsoletes-ou-perimees

1-13 Right of opposition

The exercise of this right is only possible in one of the following two situations: Where the exercise of this right is based on legitimate grounds; or Where the exercise of this right is intended to prevent the data collected from being used for commercial prospecting purposes. To help you in your approach, in particular if you wish to exercise your right of opposition by means of a written request addressed to the postal address indicated in point 1, you will find by clicking on the following link a model letter drawn up by the CNIL.

https://www.cnil.fr/fr/modele/courrier/supprimer-des-informations-vous-concernant-dun-site-internet

1-14 Response times

compagnies-loan.com undertakes to respond to your request for access, rectification or opposition or any other additional request for information within a reasonable period of time, which may not exceed 1 month from receipt of your request.

1-15 Authorised service providers and transfer to a third country from France or the European Union

compagnies-loan.com informs you that it uses its authorised service providers to facilitate the collection and processing of the data you have communicated to us. These service providers may be located outside of France or the European Union and communicate the data collected through the various forms on the Website (with the exception of the form allowing you to exercise your rights to information technology and civil liberties, which is offered and used by compagnies-loan.com).

1-16 Place of jurisdiction and applicable law

Any dispute relating to the site or resulting from its use or access is subject to the exclusive jurisdiction of the competent courts of the canton of Vaud, subject to possible recourse to the Federal Court of Lausanne. French law applies.

2. COOKIE POLICY

The first time you connect to the compagnies-loan.com website, you are warned by a banner on your screen that information relating to your browsing may be recorded in files called "cookies". Our policy on the use of cookies enables you to better understand the provisions we implement in terms of navigation on our website. In particular, it informs you about all the cookies present on our website, their purpose (part I.) and gives you the procedure for setting them (part II.).

2-1 General information about cookies on the compagnies-loan.com website

compagnies-loan.com, as the publisher of this website, may install a cookie on the hard disk of your terminal (computer, tablet, mobile, etc.) in order to guarantee you a smooth and optimal navigation on our website. Cookies" (or connection cookies) are small text files of limited size that enable us to recognise your computer, tablet or mobile phone in order to personalise the services we offer you.

The information collected through cookies does not in any way identify you personally. It is used exclusively for our own needs in order to improve the interactivity and performance of our website and to send you content tailored to your interests. None of this information is communicated to third parties except when compagnies-loan.com has obtained your prior consent or when disclosure of this information is required by law, by order of a court or any administrative or judicial authority empowered to hear it.

To better inform you about the information that cookies identify, you will find below a list of the different types of cookies that may be used on the compagnies-loan.com website, their name, their purpose and their retention period.

2-2 Setting your cookie preferences

You can accept or decline the deposit of cookies at any time. The first time you log on to the compagnies-loan.com website, a banner appears at the bottom of your screen briefly presenting information about the deposit of cookies and similar technologies. This banner warns you that by continuing your navigation on the compagnies-loan.com website (by loading a new page or by clicking on various elements of the site for example), you accept the deposit of cookies on your terminal. You are also deemed to have given your consent to the placing of cookies by clicking on the "X" icon to the right of the banner at the bottom of your screen.

Depending on the type of cookie involved, obtaining your consent to deposit and read cookies on your terminal may be imperative.

2-3 Cookies requiring your prior consent

This requirement applies to cookies issued by third parties, which are referred to as "persistent" in that they remain in your terminal until they are deleted or expire. As such cookies are issued by third parties, their use and deposit are subject to their own privacy policies, which you will find a link to below. This family of cookies includes the advertising cookies used by compagnies-loan.com.

Cookies for audience analysis : Google Analytics
This website uses Google Analytics. Google Analytics uses "cookies", which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website is transferred to a Google server in the USA and stored there. Your IP address will be abbreviated and made anonymous by Google within the EU Member States or other contracting states of the European Economic Area Agreement. Only in exceptional cases is the full IP address transferred to a Google server in the USA and is abbreviated there. Google will use this information on behalf of the website operator to evaluate your use of the website, to compile reports on website activities and to provide the website operator with further services relating to the use of the website and the Internet in general. Google will also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. The IP address transmitted by your browser within the scope of Google Analytics will not be combined with other Google data. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. However, we would like to point out that in this case you may not be able to take full advantage of all the functions offered by this website. In addition, you can prevent the collection of the data relating to your use of the website (including your IP address) generated by the cookie for Google and the processing of this data by Google by downloading and installing the browser plug-in available under the following link (https://tools.google.com/dlpage/gaoptout?hl=fr). You can also click this link to prevent collection by Google Analytics. An opt-out cookie is stored on your device and will prevent the collection of your data when you visit this website in the future. If you delete your cookies from your browser, you will have to click this link again. Please visit https://www.google.com/intl/de/analytics/privacyoverview.html for more information on this subject.

Google AdWords conversion tracking cookies
This website uses the online advertising program "Google AdWords" and, as part of this, the conversion tracking. The cookie for conversion tracking is activated when a user clicks on an ad published by Google. These cookies lose their validity after 90 days and are not used for personal identification. If you visit certain pages of this website and the cookie has not yet expired, Google and we may know that you have clicked on the ad and been redirected to this page. Each Google AdWords client receives a different cookie. Cookies can therefore not be tracked via the websites of AdWords clients. The information obtained by means of the conversion cookie enables compagnies-loan.com to compile conversion statistics. We are informed of the total number of users who clicked on our ad and were redirected to a page with a conversion tracking tag. However, we do not obtain personally identifiable information about users. If you do not wish to participate in tracking, you can easily disable Google's conversion tracking cookie in the user settings of your web browser. You will not be included in conversion tracking statistics.

Pixel Facebook
The communication tool Website Custom Audiences from Facebook is used on this website. For its use, Facebook pixels are integrated on our websites, which mark you as a visitor to our website in an anonymous form, i.e. without being able to identify you as a person. When you subsequently log on to Facebook, a non-reversible and therefore non-personal checksum (hash value) of your usage data is sent to Facebook for analysis and marketing purposes. This allows Facebook to attribute the visit to our pages to your user account. We may use the information obtained in this way to display ads on Facebook. For the product Website Custom Audiences, the Facebook cookie is mentioned. For more information on the purpose and scope of data collection and the processing and use of data by Facebook, as well as on the possibilities of setting up settings to protect your privacy, please refer to the Facebook data protection guidelines, which you can find at www.facebook.com/ads/website_custom_audiences and https://www.facebook.com/privacy/explanation. If you wish to object to the use of Facebook Website Custom Audiences, you may do so here: www.facebook.com/ads/website_custom_audiences.

Retargeting
Our website uses retargeting technologies. We use these technologies to make the Internet offer more interesting for you. This technique makes it possible to reach Internet users who have already taken an interest in our shop and our products by means of advertisements on the websites of our partners. We are convinced that it is more interesting for Internet users to see an advertisement targeted by areas of interest rather than an advertisement without such a reference to areas of interest. The display of these advertising media on the pages of our partners is based on cookie technology and an analysis of previous usage behaviour. This form of advertising is carried out completely anonymously. No personal data is stored and no usage profile is associated with your personal data. You agree to the use of cookies for the collection, storage and evaluation of your usage data. You also agree that your data may be stored in cookies after the end of your browser session and that they may be recalled, for example, the next time you visit the website. You can revoke this acceptance at any time with effect for the future by rejecting the use of cookies in your browser settings.

Retargeting beacons
This website uses retargeting tags. These tags correspond to a JavaScript element placed in the source code of the website. When a user visits a page on this website that contains a retargeting tag, an online advertising provider (such as Google) places a cookie on the user's computer and assigns it to lists of corresponding retargeting target groups. This cookie is also used to activate retargeting campaigns ("interest-based advertising") on other websites. Studies have shown that the display of interest-based advertising is more interesting than advertising without direct reference to previously visited interests or websites. Third-party providers, including Google, use these cookies to display advertisements based on a user's previous visits to our website. No personal data is recorded in this connection. Users of this website can deactivate the use of cookies by Google by visiting the Google "Ad settings" page. In addition, users can deactivate the use of cookies by third party providers by visiting the deactivation page of the "Network Advertising Initiative" and making the appropriate settings there.

2-3 You have various tools for setting cookies

Most Internet browsers are configured by default to allow the deposit of cookies. Your browser offers you the opportunity to change these standard settings so that all cookies are rejected systematically or only some of them are accepted or rejected, depending on their originator.

WARNING: We draw your attention to the fact that refusing to deposit cookies on your terminal is nevertheless likely to alter your user experience as well as your access to certain services or functionalities of this website. If necessary, compagnies-loan.com declines all responsibility concerning the consequences related to the deterioration of your navigation conditions that occur because of your choice to refuse, delete or block the cookies necessary for the operation of the site. These consequences shall not constitute damage and you shall not be entitled to any compensation for this fact. Your browser also allows you to delete existing cookies on your terminal or to notify you when new cookies are likely to be placed on your terminal. These settings have no impact on your navigation but make you lose all the benefit provided by the cookie. Please read below to find out about the various tools available to you so that you can configure the cookies placed on your terminal.

2-4 Setting up your web browser

Each Internet browser offers its own settings for managing cookies. Below are links to help on how to change your cookie preferences for major web browsers :

For more information about the tools used to control cookies, you can consult the CNIL website : https://www.cnil.fr/fr/cookies-les-outils-pour-les-maitriser.

Unless express consent is required by the personal data protection laws of your country, by using these Materials (as defined above), you consent to our collection and use of your personal data in the manner described in this Policy and to the transfer of your personal data to countries other than your own (including countries outside the European Union).

Please note that the consideration of your different wishes is based on one or more specific Cookies. If you delete all Cookies stored in your terminal concerning our site, we will no longer know which consent or refusal you have given. This will therefore be tantamount to resetting your consent and you will again have to refuse the Cookie(s) that you do not wish to keep. Similarly, if you use another Internet browser, you will again have to refuse these Cookies because your choices, like the Cookies to which they relate, depend on the browser and the terminal (computer, tablet, smartphone, etc.) that you use to consult our site.

3- OTHER TERMS OF USE

Only the English version of these terms of use is authentic.

3-1 Personal data and data protection

According to art. 13 of the French Federal Constitution and the Data Protection Act, everyone has the right to privacy and to be protected against the misuse of data concerning him/her. compagnies-loan.com respects these provisions. The user is invited at various places on the website www.compagnies-loan.com to enter his personal data. If the user decides to provide compagnies-loan.com with personal data on the Internet or by e-mail, we will process this data in accordance with data protection legislation.

By contacting compagnies-loan.com by Internet, e-mail, post or in any other way, I authorise the bank to process and analyse my data, as well as to use them for marketing and internal analysis purposes in France and abroad. I am entitled to revoke this authorisation at any time. The Bank may delegate services to third parties ("service providers"), in particular in the areas of process flow, IT security, systems management, canvassing and market research, the calculation of business-related credit and market risks, as well as the management of contractual relationships (e.g. application processing and contract execution, debt collection, customer communication). I agree that service providers may have access to all my data processed in this context. The bank may have my data processed in states that do not have data protection equivalent to that of France and may commission service providers in such states to process my data. This data is only transmitted if these service providers have previously undertaken to provide an adequate level of data protection. I am aware that my data may be transmitted abroad and that this will also be done via the Internet. I agree to this type of data transmission and data processing in France and abroad. The bank has the right to refuse this request without stating reasons. I am aware that the Internet is an open network accessible to everyone. Consequently, compagnies-loan.com and the bank cannot guarantee the confidentiality of data transmitted via the Internet. Therefore, conclusions by third parties on an existing or about to exist banking relationship between myself and the bank are possible.

The User agrees that Credito Citiz may occasionally send information about the company, its products and services to the User's postal and e-mail address. The use of customer data for marketing purposes can be revoked at any time by the user in writing.

3-2 Data security and confidentiality

The Internet is an open network accessible to all. When the user visits the compagnies-loan.com website, third parties may draw conclusions about the possible existence of a commercial relationship between the user and compagnies-loan.com. The transmission of information on the Internet may be subject to disturbances, delays or errors in data transmission that are beyond the control of compagnies-loan.com or an information provider. Credito Citiz or the information providers are not liable for damages or consequential damages resulting from such problems. Similarly, compagnies-loan.com accepts no responsibility for any loss or damage of any kind incurred as a result of the use of this website or the information contained therein. The information on this website can be changed at any time without special prior notice. When the user activates links given on the compagnies-loan.com website, it is possible that the user leaves the website. compagnies-loan.com has not checked the other websites linked to the website and declines any responsibility for their contents and the products, services and other offers offered there. It is our obligation to deal with accurate, relevant and necessary personal elements while taking into account our legal obligations towards our customers. It is your right to monitor us. To update the personal data we process about you, please contact us.

3-3 Tarification

I acknowledge and accept that compagnies-loan.com reserves the right to charge me for its services, only in the cases presented and readable at all times on the following PDF file :  tarifs.pdf

These rates are invoiced by compagnies-loan.com, and do not concern in any case the processing of a private credit application, always free of charge. They only concern the services presented in the following PDF file :  tarifs.pdf

3-4 Intellectual Property

The whole of this site is the exclusive property of the company compagnies-loan.com, subject to rights belonging to third parties. Reproduction (in whole or in part), transmission (in electronic form or by other means), modification, linking or use of the Credito Citiz website for public or commercial purposes is prohibited without the prior written consent of compagnies-loan.com. Any reproduction or use, for any purpose whatsoever, of the textual, graphic or combined trademarks (such as logos) registered by compagnies-loan.com or of which it is the beneficiary is also prohibited, subject to the express written consent of the rightful owner.

3-5 No offer

The information published on the Credito Citiz website does not constitute an offer or a recommendation to buy or sell a (financial) product or to perform other legal acts, nor does it constitute an invitation to submit an offer. The granting of credit is prohibited if it leads to over-indebtedness of the consumer (Art. 3 UWG).

3-6 Exclusion of liability

compagnies-loan.com does not accept any responsibility for any direct or indirect loss or damage of any kind whatsoever resulting from access to the site or the use of the information or advice available on this site or from the impossibility of accessing or using the information or advice available on this site. In particular, the liability of compagnies-loan.com as well as its administrators, directors, employees, auxiliaries and shareholders, for any prejudice or loss suffered as a result of an error, technical or not, a transfer failure, an overload situation, a difficulty of use, an interruption of service (including notably the system maintenance service), a delay in the transmission of information, an incompatibility between this site and the files and/or software of the user (notably with his "browser") and/or his computer, a malfunction, interference, transmission of a virus or worm to one's computer, illegal intrusion (e.g. as a result of hacking), intentional blocking of telecommunications tools and networks (e.g. as a result of mass e-mailing or denial of service attacks) or any other inadequacy of telecommunications or network service providers is excluded.

3-7 Access restrictions

The site is not intended for use by persons in jurisdictions where (by reason of the nationality of the persons, their place of residence or for any other reason) the dissemination, access to or use of this site is prohibited. Persons subject to such restrictions may not access or use the site in any form whatsoever.

3-8 Links

compagnies-loan.com has not reviewed any of the websites linked to the site and is not responsible for the content of such other sites. Connections to other websites are made at your own risk.

3-9 Partial nullity

If any provision of these terms and conditions is invalid, unenforceable or unenforceable, this shall not invalidate, void or unenforceable the remaining provisions of these terms and conditions. The invalid, non-conforming or unenforceable clause will be replaced by another valid, conforming and enforceable clause corresponding as much as possible to the meaning and purpose of the invalidated clause.

The granting of credit is prohibited if it leads to over-indebtedness (Art. 3 UWG).

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