Terms and conditions

We are always concerned to offer our clients a quality service. For that reason, we rely on our terms and conditions where the clarity of our contractual relationship is concerned. Please take a moment of your time to read the terms and conditions set out below. We are convinced that this is the best way to guarantee a service offering consistent with our company’s philosophy.

By requesting a service, these terms and conditions are accepted by the client and are valid for the entire duration of the business relationship with the intermediary.

The intermediary is bound by the client’s commercial terms only where the intermediary has expressly accepted them.

1. The client makes service requests in electronic or other form. Any problems arising from requests made by telephone or otherwise are the client’s responsibility.
2. The client informs the intermediary of the services required, together with their personal details and — where applicable — any particular requirements.
3. The intermediary is not liable for delays or shortcomings in implementation caused by a request that is insufficiently clear, incorrect or incomplete, nor for any faulty transmission.

All offers and prices depend on the request. Prices are expressed in EUR.

1. No guarantee can be given as to the intermediary’s response times. Response times are of course set “in good faith” and communicated to the client; they are nonetheless always indicative.
2. A request is deemed to have been processed once the financing or home savings contract, or a letter of withdrawal, has been sent to the client, thereby closing the intermediary’s mandate.

1. The intermediary is not liable for damage caused by disruption to the intermediary’s business, in particular by events of force majeure, for example network or server failure, any other transmission disruption and other obstacles beyond the intermediary’s control. Should the above situations arise, the intermediary reserves the right to withdraw in whole or in part from its contractual undertakings.
2. The same applies where the intermediary must cease or restrict its business in whole or in part for a given period, in particular the online service it makes available.
3. The intermediary is not liable for damage caused by viruses. Where data is delivered by email, downloaded from a page of this site or transmitted remotely in any other way, final verification of the data is the client’s responsibility. In this respect, the exclusion of any claim for damages is acknowledged by the client on conclusion of the contract.

The intermediary is of course not liable for errors in the contracts caused by the client and arising from information or documents that are incorrect or incomplete, that were not provided in time, or that come from illegible texts or indeed erroneous sources. The burden of proof as to the correct and timely provision of all relevant information to the intermediary lies with the client.

All fees and contributions are payable as contractually defined. In the event of non-payment, the financial institution that issued the savings or financing contract reserves the right to terminate the contract.

Once the offer has been accepted, a contract will be provided to the client, either by post or in person. Where the client opts for postal delivery, the intermediary is not liable for the loss of a contract sent by post.

All data is treated with the utmost confidentiality. The intermediary undertakes to observe absolute secrecy regarding all facts and all data of which it becomes aware in connection with its work on the client’s behalf. The personal data requested from the client is used to determine the details of the savings or financing offer proposed to the client.

Absolute protection against the appropriation of trade secrets and information, as well as other confidential data, by unauthorised third parties during the electronic transmission of texts and communications between the client and the intermediary cannot be formally guaranteed by the intermediary, given the technical possibility of unauthorised persons intruding into IT systems.

In the event of a dispute, only the French version of the terms and conditions is authoritative.

The contractual relationship and the business relations between the intermediary and the client are governed exclusively by Luxembourg law. International commercial law is excluded. Any dispute involving the intermediary as claimant or defendant falls within the exclusive jurisdiction of the Luxembourg courts.

Should one or more provisions of this agreement be declared null and void, this would not result in the nullity of the partially valid provision as a whole, nor of the other provisions of this agreement. By submitting a request, the client undertakes to accept and comply with the terms of these terms and conditions.