Legal Notice

ACTIVITIES OF THE LOAN FINANCIAL

Since September 21, 2010, LOAN FINANCIAL has been approved by the Prudential Control and Resolution Authority as a Credit Institution and Investment Service Provider under number 17418. In particular, LOAN FINANCIAL is authorized to grant following operations:

Granting of consumer loans, in the form of depreciable loans only (no revolving loans) for private customers in France, Italy, Spain and Portugal
Marketing of optional insurance policies to its borrowing customers, in its capacity as insurance intermediary agent, covering the risks of death, disability and job loss
Receipt of funds repayable to the public in the form of term deposits (France, Italy, Spain, Germany, Austria)
Receipt-Transmission of orders (RTO) for third parties, unsecured investment in debt securities and investment advice (France)

The offers of LOAN FINANCIAL, accessible via the French version of its site, are reserved:

For consumer credit: to a clientele of solvent major individuals residing in metropolitan France ;
For the investment product: to a clientele of “professional” investors within the meaning of Article D533-11 of the Monetary and Financial Code and having an account domiciled in a banking establishment in the European Economic Area.

LOAN FINANCIAL SA is a member of the Fonds de Garantie des Dépôts et de Résolution (FGDR) and contributes to the Fonds de Résolution Unique (FRU).

The deposits collected by LOAN FINANCIAL in the form of term deposit accounts and the securities that it holds are covered by guarantee mechanisms managed by the FGDR under the terms and conditions defined by Article L. 312-4 et seq. of the French Monetary and Financial Code. These terms and conditions are available for consultation.

For more information you can consult the website of the Fonds de Garantie des Dépôts.

FINANCIAL SECURITIES – WARNING

LOAN FINANCIAL draws the attention of users wishing to invest, and warns them in general, to the risks associated with an investment in financial securities, i.e. the risks of hazards, volatility, liquidity and capital loss. As the investments proposed by LOAN FINANCIAL are not guaranteed in terms of capital, investors are exposed to a partial or even total loss of the capital initially invested.

Before placing any order, LOAN FINANCIAL recommends that investors consult the information relating to the financial securities, the operations concerned and their characteristics and possible risks, which is available, inter alia, on its website.

LOAN FINANCIAL declines all responsibility for the consequences of the orders transmitted, in particular for any financial losses incurred by a customer for any reason whatsoever, including, but not limited to, lack of knowledge of the markets and risks. Investors must carry out their own risk analysis and must, if necessary, consult their own legal, financial, tax, accounting or other professional advice beforehand. In particular, if your tax residence is located outside mainland France, you are required to check that the services of LOAN FINANCIAL are compatible with the legislation applicable to you before using them. LOAN FINANCIAL shall not be liable in any way whatsoever for any breach of such legislation.

In the event that LOAN FINANCIAL provides investors with advice, information or recommendations, LOAN FINANCIAL shall not be liable for the profitability of such advice, information or recommendations. LOAN FINANCIAL recommends that you carefully read the “Risk Factors” section of the LOAN FINANCIAL FCT Special Regulations.

The LOAN FINANCIAL investment product, without capital guarantee and with limited liquidity, is intended for professional investors within the meaning of Article D533-11 of the French Monetary and Financial Code.

The categorisation as a professional client entails a lower level of protection than the status of a non-professional client. LOAN FINANCIAL is free to accept or refuse to categorise potential investors as professional clients on the basis of an assessment of their competence, experience, knowledge of financial matters and financial capacity to absorb a loss.

RECEPTION – TRANSMISSION OF ORDERS

In the event of a malfunction in the order acceptance system, LOAN FINANCIAL shall, as far as possible, inform the customers of the nature and foreseeable duration of the malfunction and the possible ways in which it can be remedied.

MANAGEMENT OF CONFLICTS OF INTEREST

In accordance with the regulations in force, LOAN FINANCIAL has established and maintains a policy for detecting and managing potential conflict of interest situations.

For more details on this policy,

CLAIMS

Borrowers, investors, in case of complaint send us an e-mail at: reclamation@loan-financial.com. We will reply within 10 days.

To consult the procedure for handling complaints,

WHISTLEBLOWER SYSTEM

In accordance with Law No. 2016-1691 of 9 December 2016 on transparency, the fight against corruption and the modernisation of economic life, known as Sapin 2, LOAN FINANCIAL has set up a whistleblowing protection system.

For more details on this system,

PRIVATE DATA

As part of its activities of granting consumer credit and offering investment services, LOAN FINANCIAL may collect and process some of your personal data. By using the platform and performing a simulation, you acknowledge and agree to the processing of your personal data by LOAN FINANCIAL in accordance with applicable law, including Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016, and the provisions of the Personal Data Protection Policy.

Data processing is described in our General Terms of Use.

If you have any questions regarding our policy or your personal data, you can send us an e-mail to the following address: dpo@loan-financial.com.

Below is a list of companies located outside the European Economic Area to which we may transfer some of your personal data:

– Ciklum (Ukraine – Technology)

– MetLife group companies located outside the EEA (Loan Insurance). Metlife’s privacy policy is available here.

INFORMATION AND NEWSLETTERS

In order to keep you informed about our news and the advantages you can benefit from, you can receive offers from our company electronically (e-mail or sms). If you do not wish to receive offers and information from LOAN FINANCIAL, you can oppose this when you make your request, or update your preferences at any time by going to your customer area – “My subscriptions” section.

You can also change the frequency of sending or stop sending certain of our programs at any time directly from the LOAN FINANCIAL emails you receive (link “Unsubscribe” at the top of each email sent).

OUR PARTNERS 

A list of the business sectors of our partners, to whom we may transfer your data with your consent, is available.

COOKIES

We inform you that when you visit the Financial site, a cookie is automatically placed on your computer and stored on your hard drive.

What is a cookie?

A cookie is a file that is downloaded to your computer, tablet or mobile phone when you access a site. Cookies allow us to 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 recognize you as a frequent user or customer.

What types of cookies exist on our site?

– Technical cookies: they allow the management of activities strictly related to the operation of the site. Financial uses them anonymously for statistical purposes (number of pages viewed, time spent on the site…) or to offer you an optimised experience (navigation language, detection and correction of an anomaly on a specific browser…).

– Third party cookies: Financial works with several partners, who use cookies anonymously, to provide it with statistics on the origin of its visitors or their browsing behaviour. Financial uses them to improve the performance of its site and 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).

SAFETY 

It is reminded 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 his or her own data and/or software from contamination by any viruses circulating on the Internet.

The identification and authentication of the customer, necessary among other things to access his accounts and contracts as well as to carry out operations and transactions, will be carried out in all cases by entering the email with which the customer has registered and a password (hereinafter the “Keys”). As these Keys are personal and confidential, any order transmitted or any operation carried out using them will be deemed to have been made by the Customer, who will bear all the consequences thereof. Thus the Customer acknowledges that validation after entering the Keys shall be deemed to be his or her unreserved acceptance of the content of the pages visited and the characteristics of the operation validated, and shall be understood as a signature having, between the parties, the same value as a handwritten signature.

The customer acknowledges that the electronic medium is equivalent to a written document within the meaning of the provisions of the Civil Code and constitutes a reliable, faithful and durable medium. The telematic, computer or magnetic recordings made by LOAN FINANCIAL constitute proof of the operations carried out by the customer by means of the remote services used, i.e. Internet, telephone and mail. In the event of loss or theft of identification and authentication elements, the customer must immediately inform LOAN FINANCIAL by telephone or email, with confirmation by registered letter with acknowledgement of receipt (sent to LOAN FINANCIAL, Service Prêteurs – 21 rue de Châteaudun – 75009 PARIS) within 48 hours of the declaration by telephone or email. LOAN FINANCIAL will then deactivate the said elements as soon as possible. However, all transactions that would have been concluded by means of the latter will remain the responsibility of the customer until their deactivation by LOAN FINANCIAL.

Messages and documents transmitted via the LOAN FINANCIAL website are strictly confidential and are reserved for their recipients.

LOAN FINANCIAL accepts no liability for any alteration or falsification that may affect the messages transmitted.

For the security of operations, customer communications with the LOAN FINANCIAL server are fully encrypted using the SSL protocol. This protocol is based on a server certificate signed by the CERTPLUS certification authority. This security is materialised by a padlock that is displayed in the client’s browser window and which guarantees at all times that it is in communication with the LOAN FINANCIAL’s secure server.

Finally, all telephone conversations with an advisor may be recorded by LOAN FINANCIAL for reasons of service quality and evidence management.

In order to prevent possible unlawful conduct or to respond to a request for clarification on a complaint or order, the data collected during a connection (such as day and time of connection, encrypted password, IP address) is stored in accordance with the applicable regulations in force.

HYPERTEXT LINKS

Regarding the links that LOAN FINANCIAL SA may create from its site “www.loan-financial.com” to other internal or external sites, LOAN FINANCIAL SA is not responsible for the editorial content of these other sites, nor for their access conditions.

WARNING

Access to the www.loan-financial.com is subject to specific conditions of use mentioned in the present Legal Notice. By browsing this site, all Internet users agree to comply with the conditions set out below, which LOAN FINANCIAL reserves the right to modify at any time.

LOAN FINANCIAL reserves the right to modify, suspend or terminate any service or product placed or available online.

The Terms of Use and Legal Notice are regularly updated by LOAN FINANCIAL. LOAN FINANCIAL invites all internet users to consult them regularly. The current versions of the Terms of Use and Legal Notice are binding on all users of the LOAN FINANCIAL website.

Any person wishing to use one of the products or services presented is invited to read the information available online and/or to contact the LOAN FINANCIAL Customer Service Department in order to be informed of all the characteristics and subscription conditions of the products and services. Access to the products and services described on the LOAN FINANCIAL website may be subject to restrictions or exclusions with regard to certain persons or in certain countries, in particular due to legal or regulatory constraints and/or specificities and/or risks. Additional information may be provided to you by Customer Service.

The texts, photos, images, drawings and sounds, and more generally all the elements contained in the Site are protected by copyright. Any reproduction, partial or total, is strictly forbidden.

LOAN FINANCIAL may terminate access to the site at any time, upon simple notification, following any breach of these conditions by a customer. LOAN FINANCIAL shall not be liable in the event of such a decision. Notices may be sent by any means, including by e-mail from the LOAN FINANCIAL website.

The applicable law is French law, the language used is the French language and the competent courts are the French courts.

SERVICES

Access to all the services on the site remains subject to normal use of the online services, as well as to the absence of any event(s) not attributable to LOAN FINANCIAL, such as force majeure, malicious act(s), interruption(s) of electronic and/or telephone communications, total or partial unavailability of the server for any reason whatsoever or misuse of the services (non-exhaustive list).

LOAN FINANCIAL may not be held liable for any damage whatsoever resulting from the total or partial disorganisation of its services or the total or partial unavailability of its website or one of its telephone numbers due to an event or act over which it has no control, in particular due to one of the events mentioned above.

Warning: connections are subject to the cost of providing access and the cost of telephone communication in force, the latter being borne by the user.

Users are reminded of the risks inherent in the electronic transmission of information. Delays, omissions or inaccuracies may occur. The information is provided as is, regardless of its source.

The general structure, as well as the software, texts, data, animated or fixed images, sounds, know-how, drawings, graphics and any other element composing the www.loan-financial.com website are protected by copyright.

Any total or partial representation of this site by any process whatsoever, without the prior and express authorisation of LOAN FINANCIAL is prohibited and would constitute an infringement punishable by articles L.335-2 and following of the Intellectual Property Code, without prejudice to any other proceedings, particularly civil proceedings.

REPRODUCTION RIGHTS

Any total or partial representation of this site by any means whatsoever, without the prior and express permission of FINANCIAL SA is prohibited and would constitute an infringement punishable by articles L.335-2 and following of the Code of Intellectual Property, without prejudice to any other proceedings including civil.