Definitions

Customer : any professional or capable natural person within the meaning of articles 1123 and following of the Civil Code, or legal person, who visits the Site subject to these general conditions.
Services and Services : Online Credit Solution makes available to Customers :

Content : All the elements constituting the information present on the Site, in particular texts - images - videos.

Customer information : Hereinafter referred to as Information (s) which correspond to all the personal data likely to be held by Online Credit Solution for the management of your account, the management of the customer relationship and for the purposes of analysis and statistics.

User : Internet user connecting, using the aforementioned site.

Personal information : Information which allows, in any form whatsoever, directly or indirectly, the identification of the natural persons to whom they apply (article 4 of law n ° 78-17 of January 6, 1978).

The terms personal data "," data subject "," subcontractor "and" sensitive data "have the meaning defined by the General Data Protection Regulation (RGPD: n ° 2016-679)

1. Presentation of the website.

By virtue of article 6 of law n ° 2004-575 of June 21, 2004 on confidence in the digital economy, it is specified to users of the website Online Credit Solution the identity of the various parties involved in its implementation and monitoring:

Owner : SARL Online Credit Solution – 22 Rue Scierie Ravari, 81400 Carmaux
Publication manager : Online Credit Solution – contact@online-credit-solution.com
The publication manager is a natural person or a legal person.
Webmaster : Online Credit Solution – contact@online-credit-solution.com
Host : OVH SAS : 2 rue Kellermann – BP 80157 59053 ROUBAIX CEDEX 1
Data protection officer : Online Credit Solution – contact@online-credit-solution.com

2. General conditions of use of the site and the services offered.

The Site constitutes an intellectual work protected by the provisions of the Intellectual Property Code and applicable International Regulations. The Customer may not in any way reuse, assign or exploit for his own account all or part of the elements or Site work.

Use of the site Online Credit Solution implies full acceptance of the general conditions of use described below. These conditions of use may be modified or supplemented at any time, users of the site Online Credit Solution are therefore invited to consult them on a regular basis.

This website is normally accessible to users at any time. An interruption due to technical maintenance can however be decided by Online Credit Solution, who will then endeavor to communicate to users beforehand the dates and times of the intervention. The website Online Credit Solution is updated regularly by Online Credit Solution responsible. In the same way, the legal notices can be modified at any time: they are nevertheless binding on the user who is invited to refer to them as often as possible in order to become acquainted with them.

3. Description of the services provided.

The website Online Credit Solution is intended to provide information on all of the company's activities. Online Credit Solution endeavor to provide on the site Online Credit Solution information as precise as possible. However, it cannot be held responsible for omissions, inaccuracies and deficiencies in the update, whether caused by it or by third party partners who provide this information.

All the information indicated on the site Online Credit Solution are given for information only, and are subject to change. In addition, the information on the site Online Credit Solution are not exhaustive. They are given subject to modifications having been made since they were put online.

4. Contractual limitations on technical data.

The site uses JavaScript technology. The website cannot be held responsible for material damage related to the use of the site. moreover, the user of the site agrees to access the site using recent material, not containing virus and with an updated latest generation browser The site Online Credit Solution is hosted by a provider on the territory of the European Union in accordance with the provisions of the General Protection Regulations of Data (RGPD: n ° 2016-679)

The objective is to provide a service that ensures the best accessibility rate. The host ensures the continuity of its service 24 hours a day, every day of the year. It nevertheless reserves the possibility of interrupting the hosting service for the shortest possible periods, in particular for the purposes of maintenance, improvement of its infrastructures, failure of its infrastructures or if the Services and Services generate deemed abnormal traffic.

Online Credit Solution and the host cannot be held responsible in case of malfunction of the Internet network, telephone lines or computer equipment and telephony linked in particular to network congestion preventing access to the server.

5. Intellectual property and counterfeits.

Online Credit Solution owns the property rights intellectual and owns the rights of use on all the elements accessible on the website, including texts, images, graphics, logos, videos, icons and sounds. Any reproduction, representation, modification, publication, adaptation of all or part of the elements of the site, whatever the means or process used, is prohibited without prior written authorization d : Online Credit Solution.

Any unauthorized use of the site or any of the elements it contains will be considered to constitute an infringement and prosecuted in accordance with the provisions of articles L.335-2 and following of the Intellectual Property Code.

6. Limitations of liability.

Online Credit Solution acts as the publisher of the site. Online Credit Solution is responsible for the quality and veracity of the Content it publishes.

Online Credit Solution cannot be held responsible for damages direct and indirect effects caused to the user's equipment when accessing the website Online Credit Solution, and resulting either from the use of a material not meeting the specifications indicated in point 4, either the appearance of a bug or a incompatibility.

Online Credit Solution cannot also be held responsible for indirect damage (such as loss of market or loss of opportunity) resulting from use of the site Online Credit Solution. Interactive spaces (possibility to ask questions in the contact space) are available users. Online Credit Solution reserves the right to delete, without prior notice, any content posted in this space that would violate the law applicable in France, in particular the provisions relating to data protection. The case applicable , Online Credit Solution also reserves the possibility of question the civil and / or criminal liability of the user, in particular in the event of a message to racist, abusive, defamatory or pornographic nature, whatever the medium used (text, photography …).

7. Management of personal data.

The Customer is informed of the regulations concerning marketing communication, the law of June 21, 2014 for confidence in the Digital Economy, the Data Protection Act of 06 August 2004 as well as the General Data Protection Regulation (RGPD: n ° 2016-679).

7.1 Responsible for collecting personal data

For Personal Data collected as part of the creation of the personal account of the User and his navigation on the Site, the person in charge of processing Personal Data is : Online Credit Solution. Online Credit Solutionis represented by Online Credit Solution, his legal representative

As responsible for processing the data it collects, Online Credit Solution undertakes to respect the framework of the provisions laws in force. In particular, it is up to the Client to establish the purposes of its processing data, to provide its prospects and customers, from the collection of their consents, a complete information on the processing of their personal data and to maintain a register of treatments in accordance with reality. Whenever Online Credit Solution processes Personal Data, Online Credit Solution take all reasonable steps to ensure the accuracy and relevance of Personal Data with regard to the purposes for which Online Credit Solution treat them.

7.2 Purpose of the data collected

Online Credit Solution is likely to process all or part of data :

• to allow navigation on the Site and the management and traceability of benefits and services ordered by the user: connection and use of the Site, invoicing, history orders, etc.
• to prevent and fight against computer fraud (spamming, hacking ...): computer equipment used for navigation, IP address, password (hash)
• to improve navigation on the Site: connection and usage data
• to conduct optional satisfaction surveys on Online Credit Solution : email address
• to carry out communication campaigns (sms, mail): phone number, email address

Online Credit Solution does not sell your personal data who are therefore only used out of necessity or for statistical and analytical purposes.

7.3 Right of access, rectification and opposition

In accordance with current European regulations, Users of Online Credit Solution have the following rights :

• right of access (article 15 RGPD) and rectification (article 16 RGPD), update, completeness User data right to block or erase User data to personal nature (article 17 of the GDPR), when they are inaccurate, incomplete, equivocal, obsolete, or the collection, use, disclosure or retention of which is prohibited
• right to withdraw consent at any time (article 13-2c RGPD)
• right to limit the processing of User data (article 18 RGPD)
• right to oppose the processing of User data (article 21 GDPR)
• right to the portability of the data that the Users will have provided, when these data are the subject of automated processing based on their consent or on a contract (Article 20 GDPR)
• right to define the fate of Users' data after their death and to choose whom Online Credit Solution will have to communicate (or not) its data to a third parties that they will have previously designated

As soon as Online Credit Solution with knowledge of the death of a User and to lack of instructions from him , Online Credit Solution agrees to destroy their data, unless their retention is necessary for evidentiary purposes or to meet a legal obligation.

If the User wants to know how Online Credit Solution use its Personal Data, request to rectify them or oppose their processing, the User can contact Online Credit Solution in writing to the following address :

Online Credit Solution – DPO, Online Credit Solution
22 Rue Scierie Ravari, 81400 Carmaux.

In this case, the User must indicate the Personal Data that he would like Online Credit Solution correct, update or delete, by logging in precisely with a copy of an identity document (identity card or passport).

Requests to delete Personal Data will be subject to the obligations imposed on Online Credit Solution by law, particularly in terms of conservation or archiving of documents. Finally, Users of Online Credit Solution can deposit a complaint with supervisory authorities, and in particular the CNIL (https://www.cnil.fr/fr/plaintes).

7.4 Non-communication of personal data

Online Credit Solution is prohibited from processing, hosting or transferring Information collected from its Customers to a country located outside the European Union or recognized as unsuitable by the European Commission without first informing the customer. For as much, Online Credit Solution remain free to choose their subcontractors technical and commercial on the condition that they present sufficient guarantees with regard to requirements of the General Data Protection Regulation (RGPD: n ° 2016-679).

Online Credit Solution undertakes to take all precautions necessary to preserve the security of the Information and in particular that it is not communicated to unauthorized persons. However, if an incident affecting the integrity or confidentiality of Customer Information is brought to the attention of Online Credit Solution, this one must inform as soon as possible the Customer and inform him of the corrective measures taken. Otherwise Online Credit Solution does not collect any 'sensitive data'..

The Personal Data of the User may be processed by subsidiaries of Online Credit Solution and subcontractors (service providers), exclusively in order to achieve the purposes of this policy.

Within the limits of their respective attributions and for the purposes mentioned above, the main persons likely to have access to Users' data of Online Credit Solution are mainly the agents of our service customer.

8. Incident notification

Regardless of the efforts made, no method of transmission over the Internet and no method of electronic storage is not completely safe. We cannot therefore guarantee any security absolute. If we became aware of a security breach, we would notify affected users so that they can take appropriate action. Our incident notification procedures take take into account our legal obligations, whether at national or European level. We commit to fully informing our customers of all matters relating to the safety of their account and provide them with all the information necessary to help them respect their own regulatory reporting obligations.

No personal information of the user of the site Online Credit Solution is not published unbeknownst to the user, exchanged, transferred, assigned or sold on any medium to third parties. Only the assumption of the repurchase of Online Credit Solution and its rights would allow the transmission of tell the possible purchaser who would in turn be bound by the same obligation to conservation and modification of data with regard to the user of the site Online Credit Solution.

Security

To ensure the security and confidentiality of Personal Data and Personal Data of Health, Online Credit Solution uses networks protected by standard devices such as firewall, pseudonymization, encryption and password.

When processing Personal Data, Online Credit Solutiontakes all reasonable measures to protect them against any loss, misuse, access unauthorized disclosure, alteration or destruction.

9. Internet" cookies "and tags" hypertext links

The site Online Credit Solution contains a number of links hypertext to other sites, set up with the permission of Online Credit Solution. However, Online Credit Solution does not have the possibility to check the content of sites thus visited, and assumes no liability accordingly.

Unless you decide to disable cookies, you agree that the site may use them. You can at at any time deactivate these cookies and this free of charge from the deactivation possibilities which you are offered and recalled below, knowing that this may reduce or prevent accessibility to any or part of the Services offered by the site.

9.1. « COOKIES »

A cookie is a small information file sent to the User's browser and saved within the User's terminal (eg: computer, smartphone), (hereinafter Cookies). This file includes information such as the domain name of the User, the Internet service provider of the User, the User's operating system, as well as the date and time of access. The Cookies do not risk damaging the User's terminal under any circumstances.

Online Credit Solution is likely to process the information of the User concerning his visit to the Site, such as the pages consulted, the searches carried out. This information allows Online Credit Solution to improve the content of the Site, of the User's navigation.

Cookies facilitating navigation and / or the provision of the services offered by the Site, The User can configure his browser so that it allows him to decide whether or not he wants them accept so that Cookies are stored in the terminal or, on the contrary, that they are rejected, either systematically or according to their issuer. The User can also configure its browser software so that the acceptance or rejection of Cookies is offered to it occasionally, before a Cookie is likely to be saved in his terminal. Online Credit Solution informs the User that, in this case, it is possible that the functionalities of its browser software are not all available.

If the User refuses the registration of Cookies in his terminal or browser, or if the User deletes those registered there, the User is informed that his navigation and his Experience on the Site may be limited. This could also be the case when Online Credit Solution or one of its providers cannot recognize, for technical compatibility purposes, the type of browser used by the terminal, the language and display settings or the country from which the terminal appears to be connected to the Internet.

If applicable, Online Credit Solution disclaims all liability for the consequences linked to the degraded functioning of the Site and of the services possibly offered by Online Credit Solution, resulting (i) from the refusal of Cookies by the User (ii) of the impossibility for Online Credit Solution to save or consult the Cookies necessary for their operation due to the choice of the user. For the management of Cookies and User choices, the configuration of each browser is different. It is described in the browser's help menu, which will allow you to know how the User can modify their wishes in terms of Cookies.

At any time, the User can choose to express and modify their wishes in terms of Cookies. Online Credit Solution may also call on the services of external providers to help collect and process the information described in this section.

Finally, by clicking on the icons dedicated to the social networks Twitter, Facebook, Linkedin and Google Plus appearing on the Site of Online Credit Solution or in its application mobile and if the User has accepted the deposit of cookies by continuing to browse the Site Internet or the mobile application of Online Credit Solution, Twitter, Facebook, Linkedin and Google Plus can also place cookies on your terminals (computer, tablet, mobile phone).

These types of cookies are only placed on your terminals if you consent to them, in continuing to browse the Website or the mobile application of Online Credit Solution. At any time, the User can nevertheless reconsider his consent to Online Credit Solution deposit this type of cookies.

Article 9.2. INTERNET TAGS

Online Credit Solution may occasionally use Internet beacons (also called tags, or action tags, single-pixel GIFs, transparent GIFs, invisible GIFs and GIF one by one) and deploy them through a specialist web analytics partner who may to find themselves (and therefore to store the corresponding information, including the IP address of the User) in a foreign country.

These tags are placed both in online advertisements allowing Internet users to access the Site, and on the various pages thereof .

This technology allows Online Credit Solution to evaluate the answers of visitors to the Site and the effectiveness of its actions (for example, the number of times a page is open and the information consulted), as well as the use of this Site by the User.

The external service provider may collect information on visitors to the Site and other websites using these tags, compile reports on the activity of the Site to the attention of Online Credit Solution, and provide other services relating to the use of it and the Internet.

10. Applicable law and attribution of jurisdiction.

Any dispute relating to the use of the site Online Credit Solution is subject to French law. Except in cases where the law does not allow it, exclusive jurisdiction is granted to the competent courts of Paris