Legal Notice . 

Any access and/or navigation and/or use of the FinanDis® website(s) implies express and unreserved acceptance of these General Conditions of Use.

 

If you do not accept the present General Conditions of Use, you must immediately disconnect from the Site

 

For the purposes of these Terms of Use, the expressions "you", "your", "User" refer to any person consulting, having attempted to consult or having consulted any element,

of any nature whatsoever, of a page of the site accessible via the main domain name https://finandis.com/

 

 

FinanDis® is a member of the FGDR and contributes to the FRU. The deposits collected by FinanDis® in the form of term deposit accounts and the securities it holds are covered by guarantee mechanisms under the terms and conditions defined by the article of the Monetary and Financial Code.

 

ACTIVITIES

 

FinanDis® is authorised to grant consumer credit in the form of amortising loans to private individuals in Europ, to market optional insurance policies to its borrower clients in its capacity as an insurance intermediary, covering the risks of death, disability and loss of employment, to receive funds repayable to the public in the form of term deposits, and to receive and transmit orders (RTO) on behalf of third parties

 

FinanDis®'s offers, accessible for the consumer credit: to a clientele of solvent adults residing in Europe and for the investment product: to a clientele of "professional" investors within the meaning of article D533-11 of the French Monetary and Financial Code and having an account domiciled in a banking establishment of the European Economic Area.

 

In accordance with the French Data Protection Act, we inform you that the answers to the questions marked with an asterisk are mandatory, the others being optional. If you do not answer, credit may be refused. This information, as well as all information already known to the lender or subsequent information concerning you, is intended for the FinanDis® teams responsible for the processing, in order to be used for the granting, management and recovery of the credit, for their commercial actions, including by electronic means, and to satisfy legal and regulatory obligations, in particular for the File of Repayment Incidents of Credits to Individuals, the fight against the financing of terrorism and money laundering, and the assessment of the credit risk

 

Processing may be partially subcontracted to an operator established in a member state of the European Union. In this case, this operator will be engaged within the framework of a data transfer agreement, making it possible to ensure the security and confidentiality necessary for the protection of private life and fundamental rights and freedoms.

 

In no case will the personal data communicated be transmitted to the private lenders of FinanDis®. You have the right to object, free of charge, to the use of your personal data for commercial canvassing purposes by contacting the consumer service "FinanDis® " Europ.

 

You have a right of access, rectification and opposition with this service and concerning with a counter of the Bank. Any false or irregular declaration may be subject to specific processing intended to prevent fraud.

 

PERSONAL DATA

 

Within the framework of its activities of granting consumer credits and offering investment services, FinanDis® is led to collect and process certain personal data. By using the platform and performing a simulation, you acknowledge and agree to the processing of your personal data by FinanDis® in accordance with the applicable law, in particular Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016, and the stipulations of the Personal Data Protection Policy.

INFORMATION AND NEWSLETTERS

In order to keep you informed of our news and benefits, you may receive offers from our company electronically (email or sms). If you do not wish to receive offers and information from FinanDis®, you can object to this at the time of your request, or update your preferences at any time. You can also change the frequency of the mailings or stop receiving some of our programs at any time directly from the FinanDis® emails you receive ("Unsubscribe" link at the top of each email sent). You may receive emails inviting you to upload documents to the document uploader or to provide additional information as part of the credit application on our site. This communication is based on the legitimate interest of FinanDis® within the framework of the management and the commercial relationship with its customers and prospects and does not require your prior consent.

 

COOKIES

What is a cookie?

 

A cookie is a file that is downloaded to your computer, tablet or mobile device when you access a site. Cookies store and retrieve information about your browsing habits, the device from which you are browsing and, depending on the information they contain, may allow us to recognise you as a frequent user or customer.

What types of cookies are used on our site?

- Technical cookies: they allow the management of activities strictly linked to the functioning of the FinanDis® site and are used anonymously for statistical purposes (number of pages viewed, time spent on the site, etc.) or to offer you an optimised experience (navigation language, detection and correction of an anomaly on a specific browser, etc.)

Third party cookies: FinanDis® works with several partners, who use cookies in an anonymous way, in order to provide statistics on the origin of its visitors or their browsing behaviour. FinanDis® uses them to improve the performance of its site and its advertising campaigns.

How to delete cookies?

If you wish, you can block the use of cookies at any time, in the settings of your internet browser (generally in the security and confidentiality section).

 

ARTICLE 1.     LEGAL NOTICE

 

In accordance with articles L 519-1 and following of the Monetary and Financial Code, FinanDis® is registered on the file of Banking and Financial Marketers.
Activities of insurance agents and brokers. Company subject to the control of the Financial Services Authority and the Prudential and Resolution Control Authority. Benefiting from a Civil Liability Insurance policy for the profession of IOB/Banking Broker.

 

OUR PARTNERS

The list of the sectors of activity of our financial partners, to whom we may transfer your data with your consent, is available.

In partnership: CREATIS - 61 avenue Halley - Parc de la Haute Borne - 59650 VILLENEUVE D'ASCQ - Information concerning the insurance brokerage activity - Partners: AFI ESCA, APRIL, METLIFE, CARDIFF, MUTLOG...ect

 

HSBC partner approved as a credit institution and investment services provider by the Autorité de Contrôle Prudentiel et de Résolution (61, rue Taitbout, 75436 Paris) and supervised by the same authority as well as by the Autorité des marchés financiers (17 Place de la Bourse - 75002 Paris) SIREN: 775 670 284 RCS Paris

 

CA-Consumer Finance - Rue du Bois Sauvage - 91 038 Evry Cedex - RCS 542 097 522 RCS EVRY - SYGMA Banque - 66 rue des Archives - 75003 Paris - CFCAL - Crédit Foncier et Communal d'Alsace Lorraine - 1 rue du Dôme - 67003 STRASBOURG - GE Money Bank - Tour Europlaza - 20 avenue André-Prothin - 92063 Paris La Défense Cedex

 

Tour Franklin, TSA 73100, 92919 Paris La Défense Cedex - Genworth Assurances, the trading name of the French branches of FACL (479 311 979 R.C.S. Nanterre) and FICL (479 428 039 R.C.S. Nanterre) - Financial Assurance Company Limited (FACL) and Financial Insurance Company Limited (FICL) are life and non-life insurance companies registered in the United Kingdom under numbers 4873014 and 1515187 - Registered office: 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom - Supervisory Authority Financial Services Authority (FSA): 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom

 

CGI - CGL : CGI - CGL - CGI is a trademark of CGL. - CGL : Compagnie Générale de Location d'Equipements SA with a capital of 58.606.156 EUR - SIREN 303 236 186 RCS Roubaix/Tourcoing Head office : 69, Avenue de Flandre - 59708 MARCQ EN BAROEUL Cedex BNP Paribas Personnal Finance, (Credimedia is a member of channel 28 RC at BNP PF) - 1, Bd Haussmann - 75009 Paris.

 

GE Money Bank: GE Money Bank - S.C.A. with a capital of €594,078,024 - Registered office: Tour Europlaza - 20, avenue André-Prothin - 92063 Paris La Défense Cedex - N° 784 393 340 R.C.S. Nanterre. Insurance intermediary registered under N° 07 023 998 CGI - CGL - 69, Avenue de Flandre - 59708 MARCQ EN BAROEUL Cedex

 

MetLife Europe Limited and MetLife Europe Insurance Limited, Metlife Europe Limited Italy Branch, Metlife Europe Limited Portugal Branch, Metlife Pension Trustees Limited - A company incorporated under the laws of Ireland as a "Designated Activity Company", registered in Ireland under number 472350. Branch for France 100 Esplanade du Général de Gaulle, 92400 Courbevoie. 798 956 314 RCS Nanterre.

 

MetLife Europe d.a.c. and MetLife Europe Insurance d.a.c.: 20 on Hatch, lower Hatch Street, Dublin 2, Ireland. MetLife Europe d.a.c. and MetLife Europe Insurance d.a.c. (both acting under the trade name MetLife) are regulated by the Central Bank of Ireland.

 

Genworth Assurances products are distributed in this context by GE Money Bank which acts as an insurance intermediary registered under number 07 023 998 (Internet address of the registration register: www.orias.fr) through Assurances France Loisirs SARL with a capital of 75000000 - 417 934 184 RCS Paris - 123 Bd de Grenelle - BP 6 - 75015 Paris - Insurance intermediary registered under number 07 025 205. Internet address of the registration register www.orias.fr.

 

FinanDis® - All rights reserved / TRADEMARK REGISTERED Single Person Limited Company - BANKING INTERMEDIARY as a non-exclusive banking agent Subsidiary of Financial Assurance Company Limited (FACL) and Financial Insurance Company Limited (FICL) are life and non-life insurance companies registered in the United Kingdom with company numbers 4873014 and 1515187 - 25 The North Colonnade, Canary Wharf, London E14 5HS, UK

 

Financial Services Authority (FSA): 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom and associates of MetLife Europe Limited and MetLife Europe Insurance Limited, Metlife Europe Limited Italy Branch, Metlife Europe Limited Portugal Branch, Metlife Pension Trustees Limited - A company incorporated under the laws of Ireland as a Designated Activity Company, registered in Ireland with company number 472350 MetLife Europe d. a.c. and MetLife Europe Insurance d.a.c.: 20 on Hatch, lower Hatch Street, Dublin 2, Ireland. MetLife Europe d.a.c. and MetLife Europe Insurance d.a.c. (both acting under the trade name MetLife) are regulated by the Central Bank of Ireland.

 

BANKING INTERMEDIARY as a Non-Exclusive Bank Agent. Our professional liability and financial guarantee insurance complies with Articles L 512-6 and L 512-7 of the Insurance Code and Article L341-1h-III of the Monetary and Financial Code.

 

ARTICLE 2. ACCESS

 

The equipment (computer, software, means of telecommunications, etc.) allowing access to the content of the Site are the exclusive responsibility of the User, including the telecommunications costs incurred by their use.

 

ARTICLE 3. PROTECTED RIGHTS

 

The entire content of this Site, in particular, and without this list being exhaustive, the architecture, the texts, the photographs, the illustrations, the software, etc., is the property of FinanDis®, its technical service providers or its licensors. All rights of use are reserved. In accordance with article L.122-4 of the Intellectual Property Code, any representation or reproduction not expressly authorised, in whole or in part and by any means whatsoever, would be illegal and would constitute an infringement sanctioned by articles L.335-2 and following of the Intellectual Property Code. FinanDis® and the various logos used are registered trademarks whose reproduction would also constitute an infringement.

 

ARTICLE 4. PROTECTION OF PRIVACY - COLLECTION AND USE OF PERSONAL DATA

 

The request formulated by a duly identified person and whose data are treated under the responsibility of FinanDis® will be taken into account as soon as possible. FinanDis® draws your attention to the fact that some information which does not correspond to personal data and which does not allow FinanDis® to identify you can be recorded by our servers (browser used, IP address, ...)

 

In addition, the connection to our web server may cause small files to be sent to your browser and stored on your computer's hard drive. These are "cookies" which record information relating to your computer's browsing on our site (the pages you have consulted, the date and time of the consultation, etc.) and which we may query during your subsequent visits to the site to enable us to draw up reliable statistics on the number of visits and to improve its quality and interest for you.

 

Your browser contains a function that allows you to refuse cookies (see the methods specified). This will not prevent your connection to our Site but may delay the loading of pages.

 

ARTICLE 5: Data Protection Act

 

Our commitment to the confidentiality of the information communicated is summarised in our confidentiality charter

The information collected in the various stages of our form will only be used and communicated externally within the framework of the research mandate that you have given us. In accordance with article 32 of the law of 6 January 1978 on Information Technology and Civil Liberties, this information is mandatory in order to study your request for financing.

 

You have the right to access, rectify and oppose the information concerning you by emailing "FinanDis®" <kontakt@finandis.com> Customer Service in Europe. FinanDis® brings to your attention that the use of these personal data has been declared to the National Commission for Information Technology and Liberties.

 

ARTICLE 6. LIMITS OF LIABILITY

 

Despite all our efforts to maintain the quality of the information on the FinanDis® website(s), we cannot guarantee its accuracy or completeness.

Consequently, we cannot accept any liability for information or results obtained through the use of this site.

 

The results obtained from our simulation tools and our own website are given as an indication subject to the acceptance of your application and do not constitute a contractual commitment in any way. Subject to obvious errors, only the elements appearing on the Preliminary Loan Offer that may be sent to you by one of our financial partners may be considered as such.

 

ARTICLE 7. MODIFICATIONS OF THE CONDITIONS OF USE

FinanDis® reserves the right to modify or change at any time the pages of the site or the present General Conditions of Use. These modifications will come into force as soon as they are put online on the Site. Users are therefore invited to consult the version constantly online on the Site. The presence of the user on the Site implies his full acceptance of these general terms of use and of any revision or modification.

 

SECURITY

It is recalled that the secrecy of private correspondence is not guaranteed on the Internet. Furthermore, it is the responsibility of each Internet user to take all appropriate measures to protect their own data and/or software from contamination by any viruses circulating on the Internet.