Mentions légales - Openness By Carlota

Raison sociale SASU OPENNESS BY CARLOTA
Forme sociale SASU
Capital 7 000 €
Siège social 9 Rue de jeu de paume – 82000 Montauban
SIRET 978 550 762 RCS MONTAUBAN
Phone Number 06 64 01 98 51
Directeur de publication Carlota MORANTE
Inscrit au Registre unique des intermédiaires en assurance, banque et finance
Sous le numéro d’immatriculation 23006947
En qualité de :Courtier en opérations de banque et en services de paiement (COBSP) un Inscrit comme intermédiaire en crédit immobilier en libre prestation de services (LPS) en Espagne . Registre BANCO DE ESPANA
OPENNESS est membre, au sein de l’organisation professionnelle CNCEF CREDIT.
OPENNESS a souscrit, par l’intermédiaire de BDJ SAS , Société de Courtage d’Assurances, sise 39, rue Mstislav Rostropovitch – 75815 Paris cedex 17, une police d’assurance DE RESPONSABILITE CIVILE PROFESSIONNELLE conforme aux articles L.519-3-4, R.519-16 et L.519-4, R.519-17 du Code Monétaire et Financier, N° 127101736 – ADHERENT N° 0302

Complaints procedure - mediation

Complaints procedure - mediation In the event of disagreement, an amicable solution will be considered in the first instance after receipt of a complaint on a durable medium sent to : - By post to the following address: 9 Rue de Jeu de Paume, 82000 Montauban, France - By e-mail to the following address: contact@opennessbycarlota.com We undertake to acknowledge receipt of the claim within ten working days within ten working days and to respond within two months of receipt of the from receipt of the complaint. In the event of a dispute and if the response to the complaint does not appear satisfactory, the consumer customer may then refer the matter to the following consumer mediator with a view to resolving the dispute amicably In accordance with articles L.616-1 and R.616-1 of the Consumer Code, our company has set up a mediation a consumer mediation system. The mediation body is: CNPM - MEDIATION DE LA CONSOMMATION. In the event of a In the event of a dispute, you can submit your claim on its website : http://cnpm-mediation-consommation.eu or by post by writing to CNPM - MEDIATION - CONSOMMATION - 27, Avenue de la Libération - 42400 SAINT CHAMOND. SAINT CHAMOND Of course you can adapt it, but all the information are included in this form. " - By post to the following address CMAP - Service Médiation de la consommation 39 avenue F.D. Roosevelt 75008 Paris - By e-mail to the following address: consommation@cmap.fr

By post to the following address: 9 Rue de Jeu de Paume, 82000 Montauban
By email at the following address: contact@opennessbycarlota.com

We undertake to acknowledge receipt of the complaint within ten working days and then to respond within two months from receipt of the complaint. In the event of a dispute, and if the response to the complaint is not deemed satisfactory, the consumer client may then refer the matter to the following consumer mediator for an amicable resolution.

In accordance with Articles L.616-1 and R.616-1 of the French Consumer Code, our company has implemented a consumer mediation scheme. The mediation entity selected is:

MEDIATION CONSOMMATION DÉVELOPPEMENT / MED CONSO DEV

In the event of a dispute, you may submit your complaint on its website: https://www.medconsodev.eu

or by post by writing to:

MEDIATION CONSOMMATION DÉVELOPPEMENT / MED CONSO DEV
Centre d’Affaires Stéphanois SAS
IMMEUBLE L’HORIZON – ESPLANADE DE FRANCE
3, RUE J. CONSTANT MILLERET – 42000 SAINT-ÉTIENNE

Important: messages sent to us via the internet may be intercepted on the network before reaching us; their confidentiality cannot be guaranteed. Please ensure that you do not disclose unnecessary or sensitive personal information.

A loan commits you and must be repaid. Verify your repayment capacity before committing.
No payment of any kind can be demanded from an individual before obtaining one or more money loans.

Définitions

The Site constitutes a work of the mind protected by the provisions of the Intellectual Property Code and applicable International Regulations. The Client may not, in any way, reuse, assign, or exploit, for their own benefit, all or part of the elements or works of the Site.

Content: The set of elements comprising the information present on the Website, including texts, images, videos.

Client Information: Hereinafter referred to as "Information(s)," which corresponds to all personal data that may be held by https://opennessbycarlota.com for the management of your account, customer relationship management, and for analysis and statistical purposes.

User: An internet user connecting to and using the aforementioned website.

Personal Information: "Information that, in any form whatsoever, directly or indirectly, enables the identification of the individuals to whom it applies" (Article 4 of Law No. 78-17 of January 6, 1978).

The terms "personal data," "data subject," "processor," and "sensitive data" have the meanings defined by the General Data Protection Regulation (GDPR: No. 2016-679).

1. Website Presentation.

Under Article 6 of Law No. 2004-575 of June 21, 2004, on confidence in the digital economy, users of the website https://opennessbycarlota.com are hereby provided with the identity of the various stakeholders involved in its creation and maintenance:

Owner: SASU OPENNESS BY CARLOTA Capital: €7,000 VAT Number: FR66 978 550 762 9 Rue de jeu de paume, 82000 Montauban

Publisher: Carlota Morante – carlotamorante@gmail.com The publisher is a natural person or legal entity. Webmaster: Creaweb – contact@kreaweb.pro Hosting Provider: TITANDC – 1210 Chem. de la Plaine, 06250 Mougins, Phone: 09 88 99 88 88 Data Protection Officer: MORANTE Carlota – carlotamorante@gmail.com

This legal notice template is provided by the free generator of legal notices for a website.

2. Terms and Conditions of Use for the Website and the Services Offered.

Usage of the website https://opennessbycarlota.com implies full and unconditional acceptance of the following terms and conditions of use. These terms of use are subject to change or supplementation at any time, so users of the website https://opennessbycarlota.com are invited to regularly consult them.

This website, https://opennessbycarlota.com, is normally accessible to users at all times. However, an interruption for technical maintenance may be decided by https://opennessbycarlota.com, which will make efforts to communicate the dates and times of the intervention to users in advance. The website https://opennessbycarlota.com is regularly updated by https://opennessbycarlota.com, the responsible entity. Similarly, the legal notices may be modified at any time; however, they are binding on the user, who is encouraged to refer to them as often as possible in order to become familiar with them.

3. Description of the Services Provided.

The website https://opennessbycarlota.com aims to provide information about all the activities of the company.

https://opennessbycarlota.com strives to provide information on the website https://opennessbycarlota.com that is as accurate as possible. However, it cannot be held responsible for omissions, inaccuracies, and deficiencies in updates, whether they are its own fault or the fault of third-party partners who provide this information.

All information provided on the website https://opennessbycarlota.com is provided for informational purposes and may evolve. Furthermore, the information on the website https://opennessbycarlota.com is not exhaustive. It is provided subject to changes that may have been made since it was posted online.

4. Contractual Limitations on Technical Data.

The website uses JavaScript technology.

The website cannot be held responsible for material damages related to the use of the site. Furthermore, the website user commits to accessing the site using up-to-date equipment, free of viruses, and with an updated, state-of-the-art browser. The website https://opennessbycarlota.com is hosted by a service provider within the European Union in accordance with the provisions of the General Data Protection Regulation (GDPR: No. 2016-679).

The objective is to provide a service that ensures the best accessibility rate. The hosting provider ensures the continuity of its service 24 hours a day, every day of the year. However, it reserves the right to interrupt the hosting service for the shortest possible durations, especially for maintenance, improvement of its infrastructure, infrastructure failures, or if the Services generate traffic deemed abnormal.

https://opennessbycarlota.com and the hosting provider cannot be held responsible in case of malfunction of the Internet network, telephone lines, or computer and telephony equipment, particularly due to network congestion preventing access to the server.

5. Intellectual Property and Counterfeiting.

https://opennessbycarlota.com is the owner of intellectual property rights and holds the usage rights for all elements accessible on the website, including texts, images, graphics, logos, videos, icons, and sounds. Any reproduction, representation, modification, publication, or adaptation of all or part of the elements of the website, by any means or process, is prohibited, unless prior written authorization is obtained from: https://opennessbycarlota.com.

Any unauthorized use of the website or any of its elements will be considered as constituting an infringement and pursued in accordance with the provisions of Articles L.335-2 and following of the Intellectual Property Code.

6. Limitations of Liability.

https://opennessbycarlota.com acts as the publisher of the website. https://opennessbycarlota.com is responsible for the quality and accuracy of the Content it publishes.

https://opennessbycarlota.com shall not be liable for direct and indirect damages caused to the user's equipment when accessing the website https://opennessbycarlota.com, 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.

https://opennessbycarlota.com shall also not be liable for indirect damages (such as, for example, a loss of market or a missed opportunity) resulting from the use of the website https://opennessbycarlota.com. Interactive spaces (the possibility to ask questions in the contact space) are available to users. https://opennessbycarlota.com reserves the right to remove, without prior notice, any content posted in this space that would contravene the applicable legislation in France, particularly with regard to data protection provisions. If necessary, https://opennessbycarlota.com also reserves the right to engage the civil and/or criminal liability of the user, particularly in the case of messages of a racist, offensive, defamatory, or pornographic nature, regardless of the medium used (text, photography, etc.).

7. Management of Personal Data.

The Client is informed about the regulations concerning marketing communication, the Law of June 21, 2014, on confidence in the Digital Economy, the Data Protection Law of August 6, 2004, as well as the General Data Protection Regulation (GDPR: No. 2016-679).

7.1 Responsible for the Collection of Personal Data.

For Personal Data collected in the context of the creation of the User's personal account and their navigation on the Site, the data controller for Personal Data is: OPENNESS BY CARLOTA. https://opennessbycarlota.com is represented by MORANTE Carlota, its legal representative.

As the data controller for the data it collects, https://opennessbycarlota.com is committed to complying with the framework of the legal provisions in force. It is the responsibility of the Client, in particular, to establish the purposes of its data processing, to provide its prospects and clients with comprehensive information on the processing of their personal data based on their consent, and to maintain a register of processing activities that is accurate and up-to-date. Whenever https://opennessbycarlota.com processes Personal Data, https://opennessbycarlota.com takes all reasonable measures to ensure the accuracy and relevance of the Personal Data in relation to the purposes for which https://opennessbycarlota.com processes them.

7.2 Purpose of the Data Collected.

https://opennessbycarlota.com may process all or part of the data:

to enable navigation on the Site and the management and traceability of services ordered by the user: connection and usage data of the Site, billing, order history, etc.
to prevent and combat computer fraud (spamming, hacking...): computer equipment used for navigation, IP address, hashed password.
to improve navigation on the Site: connection and usage data.
to conduct optional satisfaction surveys on https://opennessbycarlota.com: email address.
to conduct communication campaigns (SMS, email): phone number, email

https://opennessbycarlota.com does not sell your personal data, which is only used out of necessity or for statistical and analytical purposes.

7.3 Right of Access, Rectification, and Objection.

In accordance with current European regulations, Users of https://opennessbycarlota.com have the following rights:

right of access (Article 15 GDPR) and rectification (Article 16 GDPR), updating, completeness of User data; right to lock or erase personal data of Users (Article 17 of the GDPR) when they are inaccurate, incomplete, ambiguous, outdated, or when their collection, use, communication, or storage is prohibited.
right to withdraw consent at any time (Article 13-2c GDPR).
right to limit the processing of User data (Article 18 GDPR).
right to object to the processing of User data (Article 21 GDPR).
right to data portability for data that Users have provided, when such data is subject to automated processing based on their consent or a contract (Article 20 GDPR).
right to determine the fate of User data after their death and to choose whether https://opennessbycarlota.com should or should not disclose their data to a third party they have previously designated.

As soon as https://opennessbycarlota.com becomes aware of a User's death and in the absence of instructions from the User, https://opennessbycarlota.com undertakes to destroy their data, unless their retention is necessary for evidentiary purposes or to comply with a legal obligation.

If the User wishes to know how https://opennessbycarlota.com uses their Personal Data, request rectification, or object to their processing, the User can contact https://opennessbycarlota.com in writing at the following address:

OPENNESS BY CARLOTA – DPO, MORANTE Carlota
9 Rue de jeu de paume 82000 Montauban.

In this case, the User must specify the Personal Data that they would like https://opennessbycarlota.com to correct, update, or delete, by identifying themselves precisely with a copy of an identity document (identity card or passport).

Requests for the deletion of Personal Data will be subject to the obligations imposed on https://opennessbycarlota.com by law, including those related to the retention or archiving of documents. Finally, Users of https://opennessbycarlota.com can file a complaint with the supervisory authorities, including the CNIL (https://www.cnil.fr/fr/plaintes).

7.4 Non-disclosure of Personal Data

https://opennessbycarlota.com is prohibited from processing, hosting, or transferring the Information collected about its Clients to a country outside the European Union or recognized as 'inadequate' by the European Commission without prior notification to the client. However, https://opennessbycarlota.com remains free to choose its technical and commercial subcontractors, provided that they provide sufficient guarantees in accordance with the requirements of the General Data Protection Regulation (GDPR: No. 2016-679).

https://opennessbycarlota.com is committed to taking all necessary precautions to preserve the security of the Information, ensuring that it is not disclosed to unauthorized individuals. However, if an incident impacting the integrity or confidentiality of the Client's Information comes to the attention of https://opennessbycarlota.com, it must promptly inform the Client and provide them with the corrective measures taken. Furthermore, https://opennessbycarlota.com does not collect any 'sensitive data'.

The User's Personal Data may be processed by subsidiaries of https://opennessbycarlota.com and subcontractors (service providers) solely for the purposes of this policy.

Within the scope of their respective responsibilities and for the purposes mentioned above, the main individuals who may have access to the data of https://opennessbycarlota.com Users are primarily the agents of our customer service.

8. Incident Notification

Regardless of the efforts made, no method of transmission over the Internet and no method of electronic storage is entirely secure. Therefore, we cannot guarantee absolute security. If we become aware of a security breach, we will notify the affected users so that they can take appropriate measures. Our incident notification procedures take into account our legal obligations, whether they are at the national or European level. We are committed to fully informing our customers of all security-related matters regarding their account and providing them with all the necessary information to help them comply with their own regulatory reporting obligations.

No personal information of the user of the website https://opennessbycarlota.com is published without the user's knowledge, exchanged, transferred, assigned, or sold on any medium to third parties. Only the hypothesis of the purchase of https://opennessbycarlota.com and its rights would allow the transmission of said information to the eventual acquirer who would in turn be held to the same obligation of preserving and modifying the data in relation to the user of the website https://opennessbycarlota.com.

Security

To ensure the security and confidentiality of Personal Data and Health Personal Data, https://opennessbycarlota.com uses networks protected by standard security measures such as firewalls, pseudonymization, encryption, and passwords.

When processing Personal Data, https://opennessbycarlota.com takes all reasonable measures to protect them against any loss, misuse, unauthorized access, disclosure, alteration, or destruction.

9. Hyperlinks, Cookies, and Internet Tags

The website https://opennessbycarlota.com contains several hyperlinks to other websites, which have been authorized by https://opennessbycarlota.com. However, https://opennessbycarlota.com does not have the ability to verify the content of these visited websites and, therefore, assumes no responsibility for them.

Unless you decide to disable cookies, you agree to the website's use of cookies. You can disable these cookies at any time and free of charge using the deactivation options provided and outlined below, bearing in mind that this may reduce or prevent access to all or part of the services offered by the website.

9.1. « COOKIES »

A "cookie" is a small information file sent to the User's browser and stored on the User's device (e.g., computer, smartphone), hereinafter referred to as "Cookies." This file contains information such as the User's domain name, the User's Internet service provider, the User's operating system, and the date and time of access. Cookies will not in any way damage the User's device.

https://opennessbycarlota.com may process information about the User's visit to the Site, such as the pages viewed and searches performed. This information allows https://opennessbycarlota.com to improve the content and User experience on the Site.

Cookies that facilitate navigation and/or the provision of services offered by the Site can be configured by the User's browser to allow the User to decide whether to accept or reject them, either systematically or based on their sender. The User can also configure their browser software to prompt them to accept or reject Cookies on a case-by-case basis before a Cookie is stored on their terminal. https://opennessbycarlota.com informs the User that, in this case, some features of their browsing software may not be available.

If the User refuses to store Cookies on their terminal or browser or deletes those that are stored, the User is informed that their navigation and experience on the Site may be limited. This may also be the case when https://opennessbycarlota.com or one of its service providers cannot recognize, for technical compatibility purposes, the type of browser used by the terminal, language and display settings, or the country from which the terminal appears to be connected to the Internet.

Where applicable, https://opennessbycarlota.com disclaims all responsibility for the consequences related to the degraded operation of the Site and the services possibly offered by https://opennessbycarlota.com, resulting from (i) the User's refusal of Cookies or (ii) https://opennessbycarlota.com's inability to store or consult the Cookies necessary for their operation due to the User's choice. 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 explain how the User can modify their Cookie preferences.

At any time, the User can choose to express and modify their preferences regarding Cookies. https://opennessbycarlota.com may also use the services of external providers to help collect and process the information described in this section.

Finally, by clicking on the icons dedicated to social networks Twitter, Facebook, Linkedin, and Google Plus appearing on the https://opennessbycarlota.com website or in its mobile application, and if the User has accepted the deposit of cookies by continuing to browse the website or mobile application of https://opennessbycarlota.com, Twitter, Facebook, Linkedin, and Google Plus may also deposit cookies on your devices (computer, tablet, mobile phone).

These types of cookies are only deposited on your devices if you consent to them by continuing to browse the website or mobile application of https://opennessbycarlota.com. However, the User can withdraw their consent for https://opennessbycarlota.com to deposit this type of cookies at any time.

Article 9.2. INTERNET TAGS ("TAGS")

https://opennessbycarlota.com may occasionally use Internet tags (also known as "tags" or action tags, one-pixel GIFs, transparent GIFs, invisible GIFs, and one-to-one GIFs) and deploy them through a web analytics partner who may be located in a foreign country (and therefore may store corresponding information, including the User's IP address).

These tags are placed both in online advertisements that allow internet users to access the Site, and on various pages of the Site.

This technology allows https://opennessbycarlota.com 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 viewed), as well as the User's use of this Site.

The external provider may collect information about visitors to the Site and other websites through these tags, create reports on the Site's activity for https://opennessbycarlota.com, and provide other services related to its use and the Internet.

10. Applicable Law and Jurisdiction Assignment.

Any dispute related to the use of the website https://opennessbycarlota.com is subject to French law.
Except where prohibited by law, exclusive jurisdiction is granted to the competent courts of Montauban.