General Terms of Use

Article 1. General Provisions and Scope of Application

These General Terms of Use (hereinafter the "Terms") comprehensively govern the relationship between the website (hereinafter "the Platform" or "the Service") and any user, visitor or beneficiary accessing its features (hereinafter "the User"). Accessing and browsing the Platform implies unreserved and unrestricted acceptance of the entirety of the provisions set out in this document.

This contract establishes the binding legal framework applicable to any digital interaction carried out on the Platform. The User acknowledges having read all of the contractual terms prior to any browsing or use of the tools made available to them. Continued use of the Platform's features constitutes formal and repeated confirmation of this acceptance.

The Terms apply equally to all sections, subdomains, web pages and application interfaces operated in connection with the provision of the Service. They take precedence over any other commercial document, brochure or information note published previously or in parallel, unless expressly waived in writing by the authorised publisher.

If the User refuses to comply with the obligations and restrictions set out in these Terms, they are formally required to immediately stop browsing and cease using the services offered. No tolerance of partial or selective compliance with these provisions may be construed as a waiver of the publisher's rights.

The publisher reserves the right to adapt, restrict or supplement the scope of the Terms at any time in order to ensure their continued compliance with technological and legal developments. These adjustments are binding on the User as soon as they are effectively published on the Platform.

The nullity or unenforceability of a particular clause of these Terms shall in no way affect the validity and binding force of the other clauses, which shall retain their full legal effect between the contracting parties.

Table 1.1: Scope of Application and Enforceability

Article 2. Definitions and Legal Terminology

For the purposes of interpreting these Terms, each capitalised term has a precise and unambiguous meaning in accordance with the definitions set out in this article. These definitions apply equally in the singular and plural, depending on the context of use in the contractual text.

The term "Service" means all features, informational content, calculation tools, interactive forms and software interfaces made available to the User through the main web portal and any mobile variants thereof.

The term "User" means any natural or legal person accessing the Platform, whether acting as a simple visitor, an applicant for a service, an administrator or a business partner, regardless of the technical means used for such access.

The term "Personal Data" refers to any information relating to an identified or identifiable natural person, directly or indirectly, in accordance with applicable privacy and digital data protection regulations.

The term "Publisher" or "Operator" means the legal entity holding the intellectual property rights over the Platform and responsible for its publication, technical administration and day-to-day operational management.

The term "Content" encompasses all textual, graphic, visual and audio elements, databases, software architectures and source code making up or powering the interactive web portal.

The term "Third Party" applies to any natural or legal person who is neither the User nor the Publisher, including technical providers, subcontractors and external partners.

Table 2.1: Mapping of Terms and Contractual Roles

Article 3. Acceptance and Amendment of the Terms

Acceptance of these Terms constitutes a unilateral legal act by which the User formally acknowledges their commitment to comply with all the rules of conduct and operation defined by the Publisher for the use of the Service.

This acceptance takes effect from the very first moment of access to the Platform's digital infrastructure. The User warrants that they have the legal capacity required to enter into this contract or, where applicable, hold the legal authorisation to bind the legal entity they represent.

The Publisher reserves the sovereign right to modify, amend or restructure the text of the Terms at any time, in particular to incorporate new legal, regulatory or technological obligations. Amendments take effect immediately upon publication.

It is the User's responsibility to regularly check the up-to-date version of the Terms, accessible at any time via the permanent hyperlink located at the bottom of the portal's pages. Continued use of the Service constitutes irrevocable acceptance of any revisions made.

In the event of a substantial change affecting the nature of the services or the User's rights, the Publisher will endeavour to inform the community via a visible notice on the homepage or by any other appropriate means.

If the User disputes the changes made to the Terms, their sole recourse is to immediately stop browsing and using the Platform's services, with no claim to any compensation whatsoever.

Table 3.1: Revision Procedure and Levels of Change

Article 4. Access Model Without Mandatory Account Creation

In order to optimise the user experience and ensure maximum fluidity when browsing, the Service is designed to allow direct access to essential content and features without imposing a complex registration or account-creation procedure.

The User is not required to create a personal account secured by a username and password in order to view offers, complete request forms, or interact with the assessment tools made available on the Platform.

This simplification of the access architecture in no way exempts the User from strictly complying with these Terms. The absence of a named account does not in any way alter the legally binding nature of the commitments entered into during the browsing journey.

The Publisher implements anonymised or session-based technical tracking mechanisms in order to ensure continuity of the requests made by the User, without requiring the permanent storage of complex access profiles.

The User acknowledges that the absence of an individual identifier means that no personalised record of their browsing history is kept beyond the periods strictly necessary for processing their one-off requests.

The Publisher reserves the right to introduce, for certain specific advanced features that may require it in the future, optional authentication modules, without this calling into question the principle of free and open access to the core sections.

Table 4.1: Comparison of Access Modes and Requirements

Article 5. Simplified Request Submission Process

The Platform allows the User to submit requests for information, assessment or access to financial and partnership offers through a smooth, ergonomic process directly built into the browsing pages.

To finalise a request, the User fills in the required fields within the dedicated interactive form. They undertake to provide accurate, truthful, complete and up-to-date information at the time of entry.

The submission process is exempt from any binding confirmation-email validation mechanism or prior activation by access code, allowing the User's request to be handled quickly and directly.

Before final validation of their form, the User has the opportunity to review all the information entered and correct any material errors using the editing interfaces provided within the flow.

The form is transmitted by clicking the final confirmation button. This action constitutes express transmission of the data to the relevant analysis teams and acceptance of the specific terms relating to the processing of the request.

The Publisher reserves the right to reject or suspend processing of any request containing manifestly implausible, incomplete or erroneous information, or submitted in clear violation of these Terms.

Table 5.1: Steps in the Direct Submission Journey

Article 6. Rights and Obligations of the User

The User undertakes to make strictly compliant, fair and lawful use of the Platform and all related services, in ongoing compliance with applicable laws and the rights of third parties.

The User is formally prohibited from using the Service for illegal, fraudulent or defamatory purposes, or purposes contrary to public order, or likely to harm the image and legitimate interests of the Publisher or its partners.

The User shall not hinder or attempt to hinder the proper functioning of the IT infrastructure hosting the Platform. This includes the prohibition on transmitting viruses, Trojan horses, worms or any other malicious program.

The User warrants the accuracy of information transmitted via the interactive forms. Any use of a false identity or the provision of stolen data will engage the exclusive civil and criminal liability of the person responsible.

It is strictly prohibited to automatically collect, extract or store data appearing on the Platform, whether by means of scraping robots, site-sucking tools, or any equivalent technical device.

In the event of a breach of any of their obligations, the User acknowledges and accepts that the Publisher may take all necessary protective measures, including blocking their IP address and initiating legal proceedings.

Table 6.1: Table of User Commitments and Prohibitions

Article 7. Rights, Duties and Prerogatives of the Publisher

The Publisher undertakes to implement all reasonable and technically appropriate means to ensure continuous, secure and high-quality access to the Platform and its features.

The Publisher retains the exclusive right to modify, interrupt, suspend or remove all or part of the services offered at any time, without notice and without such a decision giving rise to any right to compensation.

As part of the technical administration of the Service, the Publisher is authorised to carry out corrective or preventive maintenance operations, application updates or emergency interventions that may result in temporary unavailability.

The Publisher exercises strict control over the site's architecture and reserves the right to block access to the Platform for any IP address exhibiting suspicious or malicious behaviour.

The Publisher is under no obligation to retain indefinitely the data entered by Users when making their requests for information, and may carry out periodic clean-ups of its working databases.

The Publisher retains the right to assign, delegate or subcontract to any third party of its choosing the operation of all or part of the services governed by these Terms, subject to maintaining the protections afforded to personal data.

Table 7.1: Framework Governing the Publisher's Prerogatives

Article 8. Service Availability and Maintenance Windows

The Publisher endeavours to keep the Service accessible 24 hours a day, 7 days a week. However, this accessibility constitutes a technical best-efforts obligation, not an absolute obligation of result.

The continuity of the Service may be occasionally impaired by events beyond the Publisher's control, such as telecommunications network failures, bandwidth saturation, or third-party server failures.

The Publisher reserves the right to temporarily suspend access to its servers in order to carry out technical maintenance operations, performance optimisation, or updates to security systems.

Where possible, the Publisher will schedule maintenance work during periods of low traffic in order to minimise inconvenience to Users.

No temporary interruption or scheduled suspension of the Service shall engage the Publisher's liability or give rise to the payment of any damages to Users.

In the event of a prolonged failure or major malfunction affecting the information system, the Publisher will make its best efforts to restore normal operation as quickly as operationally possible.

Table 8.1: Types of Service Interruption

Article 9. Intellectual Property and Copyright

All elements making up the Platform, including in particular its overall structure, text, graphics, logos, audio elements, icons, illustrations, databases and software, are the exclusive property of the Publisher or its partners.

Any reproduction, display, modification, publication, adaptation, extraction or exploitation of all or part of the Service's elements, by any means or process whatsoever, is strictly prohibited without the Publisher's prior written authorisation.

The trademarks, trade names, acronyms and logos appearing on the Platform are distinctive signs protected by trademark law. Any unauthorised reuse constitutes an infringement punishable by law.

The User is granted only a personal, non-exclusive, non-transferable right of use, limited to viewing content and submitting forms for the strict purposes intended by the Platform.

Creating any hyperlink pointing to any page of the Platform requires prior authorisation, except in the context of standard URL sharing that does not alter the original context.

Failure to comply with the prohibitions set out in this article constitutes an act of infringement liable to engage the civil and criminal liability of its author before national and international courts.

Table 9.1: Protection of Intellectual Property Elements

Article 10. Protection of Personal Data and Privacy

The Publisher attaches paramount importance to respecting privacy and protecting personal data collected from Users during their use of the Platform.

All personal data processing carried out in connection with the operation of the Service is performed in accordance with applicable data protection regulations.

Personal data entered in the forms is collected exclusively to respond to Users' explicit requests, assess their eligibility for the requested services, and ensure the administrative management of files.

The User has, at any time, a right of access, rectification, erasure, restriction of processing and portability with regard to the personal data concerning them held by the Publisher.

To exercise their data protection rights, the User may send a request to the dedicated department via the contact channels made available on the Platform, providing the documents necessary to verify their identity.

For detailed information regarding the nature of the data processed, retention periods and the recipients of data flows, the User is invited to consult the full Privacy Policy available on the Platform.

Table 10.1: Summary of Data Protection Rights

Article 11. Cookie and Tracker Policy

When browsing the Platform, information relating to the browsing activity of the User's device (computer, tablet, smartphone) may be recorded in text files called "Cookies".

Cookies help ensure the optimal operation of the Service, measure page audience, adapt the interface to display preferences, and secure the transmission of forms.

The Publisher uses cookies that are strictly necessary for the technical operation of the site, which are exempt from prior consent, as well as statistical analysis cookies which are subject to the User's agreement.

The User retains the ability to configure their browser software to accept or refuse the storage of cookies on their device, either globally or on a case-by-case basis.

Refusing or fully disabling strictly necessary cookies may, however, degrade the quality of the user experience and restrict access to certain essential features of the Platform.

The full arrangements for managing cookie preferences are set out in the tracker settings panel available directly on the site.

Table 11.1: Cookie Categories and Management Arrangements

Article 12. Data Security and Encryption Protocols

The Publisher implements high-level technical, organisational and physical measures to preserve the integrity, confidentiality and security of data transmitted by Users.

All information exchanges between the User's device and the Platform's servers are secured using standard SSL/TLS encryption protocols (HTTPS).

Data storage architectures are protected by next-generation firewalls, intrusion detection systems, and strict access controls reserved for authorised staff.

Despite the implementation of these advanced security measures, the User acknowledges that no computer system can offer an absolute guarantee of protection against all cyberattacks or malicious intrusions.

In the event of a proven security incident resulting in a high risk to Users' rights, the Publisher undertakes to take immediate remedial measures and to make the notifications required by law.

The User is strongly encouraged to maintain the security of their own equipment by using up-to-date operating systems and effective antivirus software.

Table 12.1: Security and Encryption Systems

Article 13. Hyperlinks and Third-Party Services

The Platform may contain hyperlinks pointing to websites, resources or applications operated by third-party natural or legal persons.

These links are included for the sole purpose of facilitating the User's browsing and enriching access to financial and institutional assessment information.

The Publisher exercises no control over the content, privacy policies, accessibility or operational practices of the third-party sites to which these links point.

Consequently, the Publisher's liability may under no circumstances be engaged as a result of content, products, services or damage arising from viewing these external sites.

Any access by the User to a third-party site is carried out at their own sole risk and remains governed by the specific terms of use established by the operator of that site.

The Publisher reserves the right to remove, without notice or justification, any hyperlink present on its Platform if it proves contrary to its quality standards or to applicable regulations.

Table 13.1: Allocation of Liability for Third-Party Links

Article 14. Simulation Tools and Indicative Nature

The calculators, eligibility simulators and estimation modules made available to the User on the Platform are informational tools intended to provide indicative pre-assessments.

The results generated by these automated calculation tools do not, under any circumstances, constitute a firm offer, a contractual commitment, or a guarantee of financing being granted by the Publisher.

The data produced by the simulators is based on algorithms taking into account the parameters entered by the User at the time of use, and cannot replace a thorough review of a file.

The User acknowledges that the final terms applicable to a financial service depend on the formal review of supporting documents and the sovereign decisions made by partner organisations.

The Publisher cannot be held liable for economic or financial decisions made by the User on the basis of the estimates or indicative results provided by the site's tools.

The User is advised to carefully verify all information with authorised advisers before making any financial commitment decision.

Table 14.1: Legal Value of Simulation Results

Article 15. Regulation of Communication and Notifications

Official communications between the Publisher and the User take place primarily by electronic means, through the interfaces and forms built into the Platform.

When the User provides contact details within a form, they expressly consent to receiving technical or operational notifications relating to the follow-up of their request.

The Publisher shall not send unsolicited mass commercial prospecting (spam) that has no connection with the subject of the User's original request.

The User may, at any time, request that information messages stop being sent by using the unsubscribe links found at the bottom of emails received.

Any notification sent to the Publisher must be made via the official support forms or to the contact address formally indicated on the portal in the dedicated section.

Notifications sent electronically are deemed received and validly notified on the same day they are sent, provided there is no delivery error message.

Table 15.1: Communication Channels and Protocols

Article 16. Ownership of Content Submitted by the User

When the User submits information, documents, textual data or file elements via the Platform's forms, they retain full ownership of these elements.

The User grants the Publisher a non-exclusive, free, worldwide licence, limited to the period necessary to analyse and handle their request.

This licence authorises the Publisher to reproduce, host, verify, translate and transmit the data provided solely to the subcontractors and partners directly involved in processing the file.

The User warrants that they hold all the rights, titles and authorisations required over the elements they submit, and that this content does not infringe any third-party rights or confidentiality obligations.

The Publisher shall not sell, rent or transfer the textual or documentary content provided by the User for purposes unrelated to the provision of the requested services.

Upon final closure of the processing of the request, the content submitted is either archived in accordance with legal retention periods, or securely destroyed.

Table 16.1: Status and Rights Over Submitted Data

Article 17. Disclaimer of Warranty and Limitation of Liability

The Platform and all of its features are provided "as is" and on an "as available" basis. The Publisher gives no express or implied warranty as to the Service's fitness for any particular purpose.

The Publisher does not warrant that the informational content on the Platform is free from material errors, inaccuracies, omissions or typographical errors.

Under no circumstances may the Publisher be held liable for direct or indirect damage suffered by the User, including data loss, loss of profit, business interruption or loss of opportunity.

The Publisher's liability shall not be engaged for any malfunction, cyberattack, hardware alteration or intrusion occurring while the User is connected to the Internet.

The User assumes full responsibility for the choices, decisions and trade-offs they make based on the information or tools made available to them through the Platform.

Should the Publisher's liability be upheld by a competent court, the total amount of compensation shall not exceed the overall sum of one hundred (100) euros.

Table 17.1: Scope of Exclusion of Liability

Article 18. Fraud Prevention and Misuse

The Publisher places absolute priority on maintaining a secure digital environment and on preventing fraud, scams and identity theft on the Platform.

Any repeated submission of forms using automated data, stolen identities, false documents or deliberately misleading information will be considered misuse.

The Publisher deploys behavioural analysis algorithms capable of detecting abnormal behaviour, mass requests and attempted malicious injections.

When fraudulent use is identified, the Publisher reserves the right to immediately invalidate the request concerned and to permanently ban the offending device from accessing the Platform.

The Publisher is legally authorised to forward to the judicial authorities and competent financial regulators any information demonstrating a confirmed attempt at fraud.

A fraudulent User is exposed to direct criminal prosecution as well as to the obligation to fully compensate the Publisher for any material and reputational damage suffered.

Table 18.1: Types of Abuse and Countermeasures

Article 19. Prohibition of Scraping and Automated Data Harvesting

Access to the Platform's databases, textual structures and graphic elements is authorised exclusively for standard human browsing via conventional web browsers.

The use of any automated software, robot, spider, crawler, extraction script or scraping device intended to harvest or collect content is formally prohibited.

Any attempt at mass data extraction without prior written authorisation constitutes a direct infringement of intellectual property rights and database producer rights.

The Publisher applies restrictive measures at the network infrastructure level to block requests originating from automated agents that are not officially authorised.

Any confirmed violation of this prohibition will give rise to a flat-rate compensation charge of five thousand (5,000) euros per day of unauthorised harvesting.

The Publisher reserves the right to bring proceedings before the competent courts against any entity that has carried out unauthorised scraping of its content.

Table 19.1: Data Access Rules and Harvesting Restrictions

Article 20. Force Majeure and External Events

The Publisher's liability shall not be engaged if the performance of any of its obligations is prevented or delayed by the occurrence of a force majeure event as defined by case law.

In addition to events usually recognised as such, large-scale power outages, massive cyberattacks and global Internet network failures are considered force majeure events.

Social unrest, restrictive government decisions, natural disasters, epidemics and wars affecting infrastructure are likewise treated as force majeure.

The occurrence of a force majeure event immediately suspends the performance of the Publisher's contractual obligations for the entire duration of the disruptive event.

The Publisher will make its best efforts to mitigate the effects of the force majeure event and to restore the normal operation of services as soon as the event ceases.

If the force majeure event continues for more than a continuous period of thirty (30) days, the Publisher may permanently terminate access to the Service without any compensation being due.

Table 20.1: Events Treated as Force Majeure

Article 21. Assignment of the Terms and Transfer of Operations

These Terms, together with the rights and obligations arising therefrom, are entered into on behalf of the Publisher and are fully transferable or assignable by the Publisher to any third party.

The Publisher reserves the right to assign, transfer, contribute or delegate, at any time, all or part of its rights and obligations under these Terms as part of a restructuring.

Such an assignment may occur, in particular, in the context of a merger, acquisition, sale of assets, spin-off, or change of control of the Publisher.

In the event of a transfer of the Platform's operations, the transferee entity will automatically be substituted for the Publisher in the contractual relationship governed by these Terms.

The User accepts in advance such a substitution of operator without any further written consent being required on their part.

The User may not, under any circumstances, assign or transfer to a third party the rights or obligations they hold under these Terms without the Publisher's prior written consent.

Table 21.1: Contractual Transfer Arrangements

Article 22. Severability of Clauses and Non-Waiver

If any provision of these Terms is declared null, invalid or unenforceable by a court or competent administrative authority, that clause shall be deemed not written.

The nullity or unenforceability of a clause shall in no way affect the validity or binding force of all the other provisions contained in these Terms.

In such a case, the parties undertake to replace the cancelled or unenforceable clause with a valid provision of equivalent economic and legal scope.

The fact that the Publisher does not, at a given time, rely on a clause of these Terms shall not be construed as a waiver of the right to rely on it at a later date.

No tolerance or leniency granted by the Publisher regarding compliance with the User's obligations shall create any vested right in favour of the User.

The headings of the articles in these Terms are for reference purposes only and may not be used to interpret the scope of the contractual provisions.

Table 22.1: Legal Effects of Contractual Incidents

Article 23. Official Language of the Contract and Interpretation

These General Terms of Use are drafted and interpreted in the French language, which constitutes the sole official language binding between the parties.

Should these Terms be translated into one or more foreign languages for convenience, only the French version shall prevail in the event of a dispute.

Any discrepancy in interpretation, ambiguity or contradiction between the French version and a translated version shall be resolved exclusively in favour of the version drafted in French.

The User acknowledges understanding the French language and being able to fully grasp the legal scope of the commitments arising from these Terms.

The Publisher accepts no liability for automated translations that may be generated by browsers or third-party modules used by the User.

In the event of doubt as to the meaning of a legal term, only the definition adopted under French law and applicable case law shall be taken into account.

Table 23.1: Hierarchy of Language Versions

Article 24. Amicable Dispute Resolution and Mediation

In the event of a dispute, grievance or disagreement arising from the interpretation or performance of these Terms, the User undertakes to first contact the Publisher's customer service department.

The complaint must be made in writing via the site's official contact form, clearly setting out the grounds for the dispute and attaching the relevant supporting documents.

The Publisher undertakes to examine any complaint with the utmost care and to provide a reasoned response within a reasonable period not exceeding thirty (30) business days.

If no amicable solution is found following this initial dialogue, the User has the option of using a free consumer mediation service.

Recourse to mediation is an optional mechanism intended to facilitate the out-of-court settlement of disputes without depriving the parties of their right to take legal action.

The solutions proposed by the mediator are not binding on the parties, who remain free to accept or refuse the proposed amicable settlement.

Table 24.1: Steps in Dispute Resolution

Article 25. Governing Law and Competent Jurisdiction

These General Terms of Use, together with all operations arising therefrom, are governed by, subject to, and interpreted in accordance with the applicable substantive law.

Subject to the mandatory legal provisions applicable to consumers, any dispute relating to the validity, interpretation or performance of the Terms shall be submitted to the exclusive jurisdiction of the courts of the registered office.

In the event of a dispute with a User acting as a professional or business, the courts having jurisdiction over the Publisher's registered office shall have sole jurisdiction.

The designation of the competent court also applies in the event of interim proceedings, incidental claims, multiple defendants, or third-party proceedings.

Before any court action is brought, the parties undertake to preserve the confidentiality of exchanges made in the course of seeking an amicable solution.

The Publisher's temporary waiver of pursuing a breach of the Terms shall in no way constitute acceptance of the disputed conduct or a change to the jurisdiction rules.

Table 25.1: Allocation of Jurisdiction

Article 26. Entry into Force, Archiving and Evidence

These General Terms of Use take effect and enter into force from the moment they are published on the Platform, for all Users.

The Publisher ensures the digital archiving of successive versions of the Terms on a reliable, durable and secure medium meeting technical timestamping standards.

The computerised records kept in the Publisher's IT systems shall be considered irrefutable evidence of communications and acceptance validations.

The User may, at any time, save or print the text of these Terms in order to keep a personal copy in physical or PDF format.

In the event of a discrepancy between the Publisher's computerised records and the documents kept by the User, the data hosted on the Publisher's servers shall prevail.

This document constitutes the entire agreement between the parties regarding the subject matter of the Terms and supersedes any prior oral or written agreement.

Table 26.1: Archiving Arrangements and Evidentiary Value