General Terms of Use

ARTICLE 1 : PURPOSE

These General Terms of Use (hereinafter referred to as the “General Terms” or the “GTU”) are intended to define the conditions and terms of use of the VALTO (CREDIT DU GENEVOIS) website (hereinafter referred to as the “Website”), owned by the Agency (an agency whose registered office is located at 44 Rue des Tournelles – 74100 ANNEMASSE, registered with the Trade and Companies Register of THONON-LES-BAINS under number 903 952 992) (hereinafter referred to as the “Agency” or “VALTO (CREDIT DU GENEVOIS)”), and its use by any person who uses the Website or one of the services offered by the Website (hereinafter referred to as the “User”).

Access to the Website by the User implies acceptance of these GTU.

These General Terms are accessible at any time on the page https://creditdugenevois.fr/cgu/

The fact that the Agency does not invoke, at a given time, any of the provisions of the GTU may not be interpreted as a waiver of the right to invoke any of said provisions at a later date.

ARTICLE 2: LEGAL NOTICE

The User may consult the legal notice on the following page: https://creditdugenevois.fr/mentions-legales/

ARTICLE 3 : ACCESS TO SERVICES – CONTACT

3.1 Access to services

The Website is accessible free of charge anywhere to any User with Internet access. All costs incurred by the User to access the Website (computer equipment, software, Internet connection, etc.) are at the User’s expense.

The Website implements all means at its disposal to ensure quality access to its services. As this is an obligation of means, the Agency is not bound by an obligation of result.

The Agency’s liability cannot be engaged due to technical unavailability of the connection, whether caused (without the following list being exhaustive) by a case of force majeure, maintenance, update, modification, intervention by the hosting provider, internal or external strike, network failure, power outage, as further indicated below in Article 8.

The User acknowledges being aware of the limitations and constraints inherent to the Internet network and, as such, recognizes in particular the impossibility of guaranteeing total security of data exchanges. The Agency cannot be held liable for damage resulting from the use of the Website, such as data loss, intrusion, a virus, service interruption, or others.

In particular, it is the User’s responsibility to take all appropriate measures to protect their own data and equipment from contamination by viruses or other forms of attacks that may circulate via the Website, as will be indicated below.

Under no circumstances may the Agency be held liable for these risks and the resulting adverse consequences, whatever their extent, for the User. In any event, a User encountering a difficulty may contact the Agency by email at the following address: contact@creditdugenevois.com

3.2 Commercial contact

A User who wishes to contact the Agency may do so through the means available on the Website, namely:

• The contact form available at the following address: https://creditdugenevois.fr/#contact/

By choosing one of these contact methods, the User agrees that their data will be collected in accordance with the “DATA PROTECTION” article below.

ARTICLE 4 : SECURITY

The Agency will use its best efforts to ensure security when accessing the Website and the confidentiality of the User’s information, without this commitment constituting an obligation of result.

The User undertakes more particularly and notably to:

• Take all appropriate measures to protect themselves against the contamination of their data, software, or equipment by viruses or intrusion attempts,

• Use the Website in accordance with its intended purpose, in compliance with the provisions set out in these General Terms, excluding any action likely to hinder the proper functioning of the Website and any malicious manipulation.

The User expressly accepts and acknowledges that use of the Website is carried out at their own responsibility and that they are entirely responsible for any damage or harm caused to their computer system or any Internet access terminal, as well as for any loss of data that may result from downloading or using the Website.

ARTICLE 5 : CONTENT WRITTEN BY THE USER

The User has the possibility to post content on the Website by commenting on the articles published on it. A User who wishes to post content must indicate a username under which their content will be published.

When writing content published on the Website, the User undertakes to comply with the laws and regulations in force, as well as these General Terms, and in particular the following restrictions:

• Comply with the rules relating to good practices for Internet users (“Netiquette”),

• Not to interfere with the proper functioning of the Website, in particular:

  • probing, scanning, or testing the Website’s vulnerabilities;

  • attempting to disrupt or tamper with the technical infrastructure in a manner that harms the Website;

• Not to infringe the rights of other Users, in particular, not to publish via the Website any illegal content, including content that promotes, directly or indirectly, hatred, racism, discrimination, pornography, violence, or any other infringement of human dignity.

The Agency reviews the comment submitted before its publication. It reserves the exclusive and discretionary right to refuse the publication of any comment that does not meet the requirements set out above, without any notification or justification being required.

Such refusal shall not constitute damage to the User, who may therefore not claim any compensation on this basis. The Agency reserves the right to initiate legal proceedings against the User when the facts so justify.

The Agency’s liability may under no circumstances be engaged due to publications by Users that may be deemed contrary to the laws and regulations in force by a third party. Only the User may be held liable in this regard.

ARTICLE 6 : INTELLECTUAL PROPERTY

The trademarks, logos, signs, and any other content of the Website are protected by the Intellectual Property Code, and more specifically by copyright law.

All illustrations, images, and logos appearing on the Website are and shall remain the exclusive property of the Agency or their respective owners.

More generally, as stated above, any total or partial reproduction, modification, or use of the trademarks, illustrations, images, and logos, for any purpose and on any medium whatsoever, without the express and prior consent of the Agency, is strictly prohibited.

Any person who carries out their communication, representation, reproduction, embedding, distribution, or redistribution incurs the penalties provided for, in particular, under the Intellectual Property Code, the Civil Code, and the Commercial Code.

ARTICLE 7 : PERSONAL DATA

Personal data is collected and processed in accordance with our Privacy Policy – Data Protection, available at the following address: https://creditdugenevois.fr/politique-de-confidentialite/

ARTICLE 8 : LIABILITY AND FORCE MAJEURE

In general, the Agency may under no circumstances be held liable for any material damage, whether direct or indirect, suffered by the User, in particular with regard to data loss, which may result from the use of the Website or, conversely, from the inability to use it.

The Agency may not be held liable in the event of an inability to use the Website, notably due to a case of force majeure.

The Agency makes its best efforts to provide quality and reliable content; however, the User is invited to verify any content using official external sources. In the event of contradictory information, the User may notify the Agency at the following email address: contact@creditdugenevois.com, and the Agency will do its best to make any necessary corrections.

ARTICLE 9 : HYPERTEXT LINKS

The Agency is not responsible for the content of third-party websites to which hyperlinks on the Website may refer.

The Agency’s liability may not be engaged in the event of any damage suffered by the User following their connection to a third-party website via a hyperlink.

ARTICLE 10 : GENERAL PROVISIONS

Amendment of the General Terms

The Agency reserves the right to make changes to these General Terms at any time, including without prior notice. The User is invited to consult the General Terms regularly on the Website.

Severability and invalidity

If one or more provisions of these General Terms are held to be invalid or declared as such pursuant to a law, regulation, or following a final decision of a competent court, the other provisions shall remain in full force and effect.

Tolerance

The User acknowledges that the Agency’s tolerance of a situation does not grant them any rights. The absence of enforcement of a right or provision by the Agency does not mean that it waives such right or provision.

ARTICLE 11 : APPLICABLE LAW AND COMPETENT JURISDICTION

French law applies to these GTU.

In the absence of an amicable resolution of a dispute arising between the parties, only the courts of the location of the Agency’s registered office shall have jurisdiction.

ARTICLE 12 : PUBLICATION BY THE USER

It is recalled that comments are public and freely accessible to all.

As such, by accepting these GTU, the User expressly authorizes the Agency to use their comments (for example, to relay the User’s comment on the Agency’s social media), without this giving rise to any financial right of any kind for the benefit of the User, it being specified that the Agency undertakes to display the User’s identifier when using their comment.