{"id":727,"date":"2023-11-07T15:08:49","date_gmt":"2023-11-07T14:08:49","guid":{"rendered":"https:\/\/opennessbycarlota.com\/?page_id=727"},"modified":"2026-07-23T11:53:07","modified_gmt":"2026-07-23T09:53:07","slug":"mentions-legales","status":"publish","type":"page","link":"https:\/\/opennessbycarlota.com\/en\/mentions-legales\/","title":{"rendered":"Legal notices"},"content":{"rendered":"
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Raison sociale SASU<\/strong> Please contact me , your expert on spanish mortgages for non residents clients
Forme sociale<\/strong> SASU
Capital<\/strong> 7 000 \u20ac
Si\u00e8ge social<\/strong> 9 Rue de jeu de paume \u2013 82000 Montauban
SIRET<\/strong> 978 550 762 RCS MONTAUBAN
Phone Number<\/strong> 06 64 01 98 51
Directeur de publication<\/strong> Carlota MORANTE
Inscrit au Registre unique des interm\u00e9diaires en assurance, banque et finance
Sous le num\u00e9ro d\u2019immatriculation 23006947
En qualit\u00e9 de :Courtier en op\u00e9rations de banque et en services de paiement (COBSP) un Inscrit comme interm\u00e9diaire en cr\u00e9dit immobilier en libre prestation de services (LPS) en Espagne . Registre BANCO DE ESPAGNE n\u00b0 D906
OPENNESS est membre, au sein de l\u2019organisation professionnelle CNCEF CREDIT.
OPENNESS a souscrit, par l\u2019interm\u00e9diaire de BDJ SAS , Soci\u00e9t\u00e9 de Courtage d\u2019Assurances, sise 39, rue Mstislav Rostropovitch \u2013 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 Mon\u00e9taire et Financier, N\u00b0 127101736 – ADHERENT N\u00b0 0302<\/p>

Complaints procedure - mediation<\/strong><\/p>

Complaints procedure - mediation\nIn 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 :\n- By post to the following address: 9 Rue de Jeu de Paume, 82000 Montauban, France \n- By e-mail to the following address: contact@opennessbycarlota.com\nWe 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 \nfrom 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 \na 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 : \nhttp:\/\/cnpm-mediation-consommation.eu or by post by writing to CNPM - MEDIATION - CONSOMMATION - 27, Avenue de la Lib\u00e9ration - 42400 SAINT CHAMOND. \nSAINT CHAMOND Of course you can adapt it, but all the information are included in this form. \" \n- By post to the following address CMAP - Service M\u00e9diation de la consommation 39 avenue F.D. Roosevelt 75008 Paris\n- By e-mail to the following address: consommation@cmap.fr<\/p>

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

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.<\/p>

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:<\/p>

M\u00c9DIATION CONSOMMATION D\u00c9VELOPPEMENT\/MED CONSO DEV<\/strong><\/p>

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

or by post by writing to:<\/p>

M\u00c9DIATION CONSOMMATION D\u00c9VELOPPEMENT\/MED CONSO DEV
Centre d\u2019Affaires St\u00e9phanois SAS
IMMEUBLE L\u2019HORIZON \u2013 ESPLANADE DE FRANCE
3, RUE J. CONSTANT MILLERET \u2013 42000 SAINT-\u00c9TIENNE<\/strong><\/p>

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.<\/strong><\/p>

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

D\u00e9finitions:<\/b><\/h3>

Client : tout professionnel ou personne physique capable au sens des articles 1123 et suivants du Code civil, ou personne morale, qui visite le Site objet des pr\u00e9sentes conditions g\u00e9n\u00e9rales.<\/b><\/p>

Prestations et Services :<\/b> https:\/\/opennessbycarlota.com<\/a><\/b> met \u00e0 disposition des Clients :<\/p>

Content:<\/b> The set of elements comprising the information present on the Website, including texts, images, videos.<\/p>

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

User:<\/b> An internet user connecting to and using the aforementioned website.<\/p>

Personal Information:<\/b> \"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).<\/p>

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

1. Website Presentation.<\/h3>

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<\/a> are hereby provided with the identity of the various stakeholders involved in its creation and maintenance:<\/p>

Owner:<\/strong> SASU OPENNESS BY CARLOTA\nCapital: \u20ac7,000\nVAT Number: FR66 978 550 762\n9 Rue de jeu de paume, 82000 Montauban<\/p>

Responsable publication<\/strong> : Carlota Morante \u2013 carlotamorante@gmail.com
Le responsable publication est une personne physique ou une personne morale.
Webmaster<\/strong> : Creaweb \u2013 contact@kreaweb.pro
H\u00e9bergeur<\/strong> : O2SWITCH France\u00a0
D\u00e9l\u00e9gu\u00e9 \u00e0 la protection des donn\u00e9es<\/strong> : MORANTE Carlota \u2013 carlotamorante@gmail.com<\/p>

2. Terms and Conditions of Use for the Website and the Services Offered.<\/h3>

The Site constitutes a work of the mind protected by the provisions of the Intellectual Property Code and applicable International Regulations.\nThe 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.<\/p>

Usage of the website https:\/\/opennessbycarlota.com<\/a> 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<\/a> are invited to regularly consult them.<\/p>

This website, https:\/\/opennessbycarlota.com<\/a>, is normally accessible to users at all times. However, an interruption for technical maintenance may be decided by https:\/\/opennessbycarlota.com<\/a>, which will make efforts to communicate the dates and times of the intervention to users in advance.\n\nThe website https:\/\/opennessbycarlota.com<\/a> is regularly updated by https:\/\/opennessbycarlota.com<\/a>, 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.<\/p>

3. Description of the Services Provided.<\/h3>

The website https:\/\/opennessbycarlota.com<\/a> aims to provide information about all the activities of the company.<\/p>\n

https:\/\/opennessbycarlota.com<\/a> strives to provide information on the website https:\/\/opennessbycarlota.com<\/a> 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.<\/p>

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

4. Contractual Limitations on Technical Data.<\/h3>

The website uses JavaScript technology.<\/p>

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.\nThe website https:\/\/opennessbycarlota.com<\/a> 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).<\/p>

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.<\/p><\/p>

https:\/\/opennessbycarlota.com<\/a> 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.<\/p>

5. Intellectual Property and Counterfeiting.<\/h3>

https:\/\/opennessbycarlota.com<\/a> 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.\nAny 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<\/a>.<\/p>

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.<\/p><\/p>

6. Limitations of Liability.<\/h3>

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

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

https:\/\/opennessbycarlota.com<\/a> 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<\/a>.\n\nInteractive spaces (the possibility to ask questions in the contact space) are available to users. https:\/\/opennessbycarlota.com<\/a> 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<\/a> 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.).<\/p>

7. Management of Personal Data.<\/h3>

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).<\/p>

7.1 Responsible for the Collection of Personal Data.<\/p>

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<\/a> is represented by MORANTE Carlota, its legal representative.<\/p>

As the data controller for the data it collects, https:\/\/opennessbycarlota.com<\/a> 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.\nWhenever https:\/\/opennessbycarlota.com<\/a> processes Personal Data, https:\/\/opennessbycarlota.com<\/a> takes all reasonable measures to ensure the accuracy and relevance of the Personal Data in relation to the purposes for which https:\/\/opennessbycarlota.com<\/a> processes them.<\/p>

7.2 Purpose of the Data Collected.<\/p>

https:\/\/opennessbycarlota.com<\/a> may process all or part of the data:<\/p>