Legal notices
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Customer: any professional or natural person capable within the meaning of the following articles of the Civil Code, or legal entity, who visits the Site subject to these general conditions.
Services and Provisions: FIRST CREDIT PLUS provides Customers with:
Content: All elements constituting the information present on the Site, notably texts – images – videos.
Customer information: Hereinafter referred to as “Information” which corresponds to all personal data likely to be held by FIRST CREDIT PLUS ® for the management of your account, customer relationship management and for analysis and statistical purposes.
User: Internet user connecting to and using the aforementioned site.
Personal information: “Information which allows, in any form whatsoever, directly or indirectly, the identification of the natural persons to whom it applies.”
The terms “personal data”, “data subject”, “processor” and “sensitive data” have the meaning defined by the General Data Protection Regulation (GDPR: no. 2016-679)
Pursuant to Article 6 of Law No. 2004-575 of 21 June 2004 on confidence in the digital economy, users of the FIRST CREDIT PLUS website are informed of the identity of the various parties involved in its creation and monitoring:
Owner : FIRST CREDIT PLUS ® – 2 Av. de la République, 94300 Vincennes, France
Publication manager : Saville Bellemare
Webmaster : Bernd Schweitzer
Data protection officer : info@first-creditplus.com
The Site constitutes an intellectual work protected by the provisions of the Intellectual Property Code and applicable International Regulations. The Client may not in any way reuse, transfer or exploit for its own account all or part of the elements or works of the Site.
Use of the FIRST CREDIT PLUS ® website 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 FIRST CREDIT PLUS ® website are therefore invited to consult them regularly.
This website is normally accessible to users at all times. However, FIRST CREDIT PLUS ® may decide to interrupt the website for technical maintenance reasons, and will endeavor to inform users in advance of the dates and times of the intervention. The Legal Notices may be modified at any time; however, they are binding on the user, who is invited to refer to them as often as possible in order to be aware of them.
The FIRST CREDIT PLUS ® website aims to provide information about all of the company's activities. FIRST CREDIT PLUS ® strives to provide information that is as accurate as possible. However, it cannot be held responsible for omissions, inaccuracies, or deficiencies in updating, whether caused by itself or by third-party partners who provide this information.
All information provided on the FIRST CREDIT PLUS ® website is provided for informational purposes only and is subject to change. Furthermore, the information on the FIRST CREDIT PLUS ® website is not exhaustive. It is provided subject to changes that may have been made since it was posted online.
The website uses JavaScript technology. The website cannot be held responsible for material damage related to the use of the site. In addition, the user of the site agrees to access the site using recent equipment, not containing viruses and with an updated latest generation browser. The FIRST CREDIT PLUS ® site is hosted by a service provider in the territory of the European Union in accordance with the provisions of the General Data Protection Regulation (GDPR: n° 2016-679).
The goal 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 right to interrupt the hosting service for the shortest possible periods, particularly for maintenance purposes, infrastructure improvements, infrastructure failures, or if the Services generate traffic deemed abnormal.
FIRST CREDIT PLUS ® and the host cannot be held responsible in the event of a malfunction of the Internet network, telephone lines or computer and telephone equipment linked in particular to network congestion preventing access to the server.
FIRST CREDIT PLUS ® is the owner of the intellectual property rights and holds the usage rights on all 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 the prior written authorization of: FIRST CREDIT PLUS ®.
Any unauthorized use of the site or any of the elements it contains will be considered as constituting an infringement and will be prosecuted in accordance with the provisions of Articles L.335-2 et seq. of the Intellectual Property Code.
FIRST CREDIT PLUS ® acts as the publisher of the site. FIRST CREDIT PLUS ® is responsible for the quality and accuracy of the Content it publishes.
FIRST CREDIT PLUS ® cannot be held responsible for direct or indirect damage caused to the user's equipment when accessing the FIRST CREDIT PLUS ® website, and resulting either from the use of equipment that does not meet the specifications indicated in point 4, or from the appearance of a bug or incompatibility.
FIRST CREDIT PLUS ® may also not be held liable for indirect damages (such as loss of market or loss of opportunity) resulting from the use of the FIRST CREDIT PLUS website . Interactive spaces (possibility of asking questions in the contact area) are available to users. FIRST CREDIT PLUS reserves the right to delete, without prior notice, any content posted in this space that contravenes the legislation applicable in the European Union, in particular the provisions relating to data protection. Where applicable, FIRST CREDIT PLUS also reserves the right to hold the user civilly and/or criminally liable, in particular in the event of a message of a racist, insulting, defamatory or pornographic nature, regardless of the medium used (text, photography, etc.).
The Client 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 August 6, 2004 as well as the General Data Protection Regulation (GDPR: n° 2016-679).
For Personal Data collected as part of the creation of the User's personal account and their browsing on the Site, the controller of the Personal Data is: FIRST CREDIT PLUS ®.
As the controller of the data it collects, FIRST CREDIT PLUS undertakes to comply with the framework of the legal provisions in force. In particular, it is the Client's responsibility to establish the purposes of its data processing, to provide its prospects and customers, based on the collection of their consent, with complete information on the processing of their personal data and to maintain a record of processing operations that is accurate. Whenever FIRST CREDIT PLUS processes Personal Data, FIRST CREDIT PLUS takes all reasonable measures to ensure the accuracy and relevance of the Personal Data with regard to the purposes for which FIRST CREDIT PLUS processes them.
FIRST CREDIT PLUS may process all or part of the data:
FIRST CREDIT PLUS does not sell your personal data, which is therefore only used when necessary or for statistical and analytical purposes.
In accordance with current European regulations, FIRST CREDIT PLUS Users have the following rights:
As soon as FIRST CREDIT PLUS becomes aware of the death of a User and in the absence of instructions from the User, FIRST CREDIT PLUS undertakes to destroy the User's data, unless their retention proves necessary for evidentiary purposes or to meet a legal obligation.
If the User wishes to know how FIRST CREDIT PLUS uses his Personal Data, request to rectify them or oppose their processing, the User can contact FIRST CREDIT PLUS in writing at the following address: 2 Av. de la République, 94300 Vincennes, France.
In this case, the User must indicate the Personal Data that he/she would like FIRST CREDIT PLUS to correct, update or delete, by identifying himself/herself precisely with a copy of an identity document (identity card or passport).
Requests for deletion of Personal Data will be subject to the obligations imposed on FIRST CREDIT PLUS by law, in particular with regard to the retention or archiving of documents.
FIRST CREDIT PLUS is prohibited from processing, hosting or transferring the Information collected about its Customers to a country located outside the European Union or recognized as "inadequate" by the European Commission without first informing the customer. However, FIRST CREDIT PLUS remains free to choose its technical and commercial subcontractors on the condition that they present sufficient guarantees with regard to the requirements of the General Data Protection Regulation (GDPR: n° 2016-679).
FIRST CREDIT PLUS undertakes to take all necessary precautions to preserve the security of the Information and in particular to ensure that it is not communicated to unauthorized persons. However, if an incident impacting the integrity or confidentiality of the Customer's Information is brought to the attention of FIRST CREDIT PLUS , the latter must inform the Customer as soon as possible and inform him of the corrective measures taken. Furthermore, FIRST CREDIT PLUS does not collect any "sensitive data".
The User's Personal Data may be processed by subsidiaries of FIRST CREDIT PLUS and subcontractors (service providers), exclusively 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 the data of FIRST CREDIT PLUS Users are mainly the agents of our customer service.
Despite our best efforts, no method of transmission over the Internet, or method of electronic storage, is completely secure. We therefore cannot guarantee absolute security. If we become aware of a security breach, we will notify affected users so they can take appropriate action. Our incident notification procedures take into account our legal obligations, whether at the national or European level. We are committed to fully informing our customers of all matters relating to the security of their account and to providing them with all the information necessary to help them comply with their own regulatory reporting obligations.
No personal information of the user of the FIRST CREDIT PLUS site is published without the user's knowledge, exchanged, transferred, assigned or sold on any medium whatsoever to third parties. Only the hypothesis of the acquisition of FIRST CREDIT PLUS and its rights would allow the transmission of said information to the potential purchaser who would in turn be bound by the same obligation of conservation and modification of data with regard to the user of the FIRST CREDIT PLUS site .
To ensure the security and confidentiality of Personal Data and Personal Health Data, FIRST CREDIT PLUS uses networks protected by standard devices such as firewalls, pseudonymization, encryption and password.
When processing Personal Data, FIRST CREDIT PLUS takes all reasonable steps to protect it from loss, misuse, unauthorized access, disclosure, alteration or destruction.
The FIRST CREDIT PLUS website contains a number of hypertext links to other sites, set up with the authorization of FIRST CREDIT PLUS . However, FIRST CREDIT PLUS does not have the possibility of verifying the content of the sites thus visited, and will therefore assume no responsibility for this fact.
Unless you decide to disable cookies, you agree that the site may use them. You can disable these cookies at any time, free of charge, using the deactivation options offered to you and detailed below, knowing that this may reduce or prevent access to all or part of the Services offered by the site.
A “cookie” is a small information file sent to the User’s browser and stored on the User’s terminal (e.g. computer, smartphone), (hereinafter “Cookies”). This file includes information such as the User’s domain name, the User’s Internet service provider, the User’s operating system, as well as the date and time of access. Cookies do not in any way risk damaging the User’s terminal.
FIRST CREDIT PLUS may process User information regarding their visit to the Site, such as pages viewed and searches performed. This information allows FIRST CREDIT PLUS to improve the content of the Site and the User's navigation.
Since Cookies facilitate navigation and/or the provision of services offered by the Site, the User can configure his browser to allow him to decide whether or not he wishes to accept them so that Cookies are saved in the terminal or, on the contrary, that they are rejected, either systematically or according to their issuer. The User can also configure his browser software so that the acceptance or rejection of Cookies is offered to him from time to time, before a Cookie is likely to be saved in his terminal. FIRST CREDIT PLUS informs the User that, in this case, the functionalities of his browser software may not all be 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 experience on the Site may be limited. This could also be the case when FIRST CREDIT PLUS or one of its service 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.
Where applicable, FIRST CREDIT PLUS declines all responsibility for the consequences linked to the degraded functioning of the Site and the services possibly offered by FIRST CREDIT PLUS , resulting (i) from the refusal of Cookies by the User (ii) from the impossibility for FIRST CREDIT PLUS to record or consult the Cookies necessary for their functioning due to the User's choice. For the management of Cookies and the User's 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 regarding Cookies.
At any time, the User may choose to express and modify their wishes regarding Cookies. FIRST CREDIT PLUS may also use the services of external service providers to help it 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 FIRST CREDIT PLUS Site or in its mobile application and if the User has accepted the deposit of cookies by continuing to browse the FIRST CREDIT PLUS Website or mobile application , Twitter, Facebook, Linkedin and Google Plus may also deposit cookies on your terminals (computer, tablet, mobile phone).
These types of cookies are only placed on your devices if you consent to them by continuing to browse the FIRST CREDIT PLUS website or mobile application . However, the User may withdraw their consent to FIRST CREDIT PLUS placing this type of cookie at any time.
FIRST CREDIT PLUS may occasionally use Internet tags and deploy them through a specialist web analytics partner who may be located (and therefore store the corresponding information, including the User's IP address) in a foreign country.
These tags are placed both in online advertisements allowing Internet users to access the Site, and on the various pages of the Site.
This technology allows FIRST CREDIT PLUS to evaluate visitors' responses to the Site and the effectiveness of its actions (for example, the number of times a page is opened and the information consulted), as well as the User's use of this Site.
The external service provider may possibly collect information about visitors to the Site and other websites using these tags, compile reports on the activity of the Site for the attention of FIRST CREDIT PLUS , and provide other services relating to the use of the Site and the Internet.
Any dispute relating to the use of the FIRST CREDIT PLUS website is subject to criminal law. Except in cases where the law does not permit it, exclusive jurisdiction is granted to the competent courts.