Definitionen
Kunde:
Jede professionelle oder natürliche Person, die im Sinne der folgenden Artikel des Bürgerlichen Gesetzbuches geschäftsfähig ist, oder jede juristische Person, die die Website gemäß diesen Allgemeinen Geschäftsbedingungen besucht.
Dienstleistungen und Vorteile:
KREDIT GRUPPE
bietet seinen Kunden:
Inhalt: Alle Elemente, aus denen die auf der Site vorhandenen Informationen bestehen, insbesondere Texte, Bilder und Videos.
Kundeninformationen: Im Folgenden als „Informationen“ bezeichnet, die allen personenbezogenen Daten entsprechen, die KREDIT GRUPPE ® möglicherweise zur Verwaltung Ihres Kontos, zur Verwaltung der Kundenbeziehungen sowie zu Analyse- und Statistikzwecken speichert.
Benutzer: Internetbenutzer, der eine Verbindung zur oben genannten Site herstellt und diese verwendet.
Personenbezogene Daten: „Informationen, die in jeglicher Form direkt oder indirekt die Identifizierung der natürlichen Personen ermöglichen, auf die sie sich beziehen.“
Die Begriffe „personenbezogene Daten“, „betroffene Person“, „Auftragsverarbeiter“ und „sensible Daten“ haben die in der Datenschutz-Grundverordnung (DSGVO: Nr. 2016-679) festgelegte Bedeutung.
1. Präsentation der Website.
Gemäß Artikel 6 des Gesetzes Nr. 2004-575 vom 21. Juni 2004 über das Vertrauen in die digitale Wirtschaft werden die Benutzer der KREDIT GRUPPE- Website über die Identität der verschiedenen Parteien informiert, die an ihrer Erstellung und Überwachung beteiligt sind:
2. Allgemeine Nutzungsbedingungen der Website und der angebotenen Dienste.
Die Site stellt ein geistiges Werk dar, das durch die Bestimmungen des Gesetzes zum geistigen Eigentum und die geltenden internationalen Vorschriften geschützt ist. Dem Kunden ist es untersagt, alle oder einen Teil der Elemente oder Werke der Site in irgendeiner Weise wiederzuverwenden, zu übertragen oder für eigene Zwecke zu nutzen.
Die Nutzung der KREDIT GRUPPE ®-Website setzt die vollständige und uneingeschränkte Annahme der unten beschriebenen allgemeinen Nutzungsbedingungen voraus. Diese Nutzungsbedingungen können jederzeit geändert oder ergänzt werden. Die Nutzer der KREDIT GRUPPE ®-Website werden daher gebeten, sie regelmäßig einzusehen.
Diese Website ist normalerweise jederzeit für Nutzer zugänglich. KREDIT GRUPPE ® kann jedoch eine Unterbrechung aus technischen Wartungsgründen beschließen und wird sich in diesem Fall bemühen, die Nutzer im Voraus über Datum und Uhrzeit der Unterbrechung zu informieren. Die rechtlichen Hinweise können jederzeit geändert werden; sie gelten jedoch für den Nutzer, der gebeten wird, sie so oft wie möglich zu lesen, um sich über sie zu informieren.
3. Beschreibung der erbrachten Dienstleistungen.
The KREDIT GRUPPE ® website aims to provide information concerning all of the company's activities. KREDIT GRUPPE ® strives to provide information that is as accurate as possible. However, it cannot be held responsible for omissions, inaccuracies and deficiencies in updating, whether caused by itself or by third-party partners who provide it with this information.
All information provided on the KREDIT GRUPPE ® website is provided for information purposes only and is subject to change. Furthermore, the information provided on the KREDIT GRUPPE ® website is not exhaustive. It is provided subject to any changes that may have been made since it was posted online.
4. Contractual limitations on technical data.
The site 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 up-to-date latest generation browser. The KREDIT GRUPPE ® 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: No. 2016-679).
The objective 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, in particular for maintenance purposes, improvement of its infrastructure, failure of its infrastructure or if the Services generate traffic deemed abnormal.
KREDIT GRUPPE ® 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.
5. Intellectual property and counterfeiting.
KREDIT GRUPPE ® 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, except with the prior written authorization of: KREDIT GRUPPE ®.
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.
6. Limitations of liability.
KREDIT GRUPPE ® acts as publisher of the site. KREDIT GRUPPE ® is responsible for the quality and veracity of the Content it publishes.
KREDIT GRUPPE ® cannot be held responsible for direct or indirect damage caused to the user's equipment when accessing the KREDIT GRUPPE ® 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.
KREDIT GRUPPE ® may also not be held liable for indirect damages (such as loss of market or loss of opportunity) resulting from the use of the KREDIT GRUPPE site . Interactive spaces (possibility of asking questions in the contact area) are available to users. KREDIT GRUPPE 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, KREDIT GRUPPE also reserves the right to bring civil and/or criminal proceedings against the user, in particular in the event of a message of a racist, insulting, defamatory or pornographic nature, regardless of the medium used (text, photograph, etc.).
7. Management of personal data.
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).
7.1 Persons responsible for collecting personal data
For Personal Data collected as part of the creation of the User's personal account and their browsing on the Site, the person responsible for processing Personal Data is: KREDIT GRUPPE ®.
As the controller of the data it collects, KREDIT GRUPPE 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 consents, with complete information on the processing of their personal data and to maintain a register of processing operations that is in line with reality. Whenever KREDIT GRUPPE processes Personal Data, KREDIT GRUPPE takes all reasonable measures to ensure the accuracy and relevance of the Personal Data with regard to the purposes for which KREDIT GRUPPE processes them.
7.2 Purpose of the data collected
KREDIT GRUPPE may process all or part of the data:
- to enable navigation on the Site and the management and traceability of the services ordered by the user: connection and usage data for the Site, invoicing, order history, etc.
- to prevent and combat computer fraud (spamming, hacking, etc.): computer equipment used for browsing, IP address, password (hashed)
- to improve navigation on the Site: connection and usage data
- to conduct optional satisfaction surveys on KREDIT GRUPPE : email address
- to conduct communication campaigns (SMS, email): Whatsapp only, email address
KREDIT GRUPPE does not market your personal data, which is therefore only used out of necessity or for statistical and analysis purposes.
7.3 Right of access, rectification and opposition
In accordance with current European regulations, KREDIT GRUPPE Users have the following rights:
- right of access (article 15 GDPR) and rectification (article 16 GDPR), updating, completeness of User data right to block or erase User personal data (article 17 GDPR), when they are inaccurate, incomplete, ambiguous, outdated, or whose collection, use, communication or conservation 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 the portability of data that Users have provided, when this data is subject to automated processing based on their consent or on a contract (article 20 GDPR)
- right to define the fate of Users' data after their death and to choose to whom KREDIT GRUPPE must communicate (or not) their data to a third party that they have previously designated
As soon as KREDIT GRUPPE becomes aware of the death of a User and in the absence of instructions from the User, KREDIT GRUPPE 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 KREDIT GRUPPE uses his/her Personal Data, request to rectify them or object to their processing, the User may contact KREDIT GRUPPE in writing at the following address: 8 rue du Gabian 98014 Monaco Cedex.
In this case, the User must indicate the Personal Data that he/she would like KREDIT GRUPPE 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 KREDIT GRUPPE by law, in particular with regard to the retention or archiving of documents.
7.4 Non-communication of personal data
KREDIT GRUPPE prohibits itself from processing, hosting or transferring the Information collected on its Customers to a country located outside the European Union or recognized as "inadequate" by the European Commission without first informing the customer. However, KREDIT GRUPPE 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: No. 2016-679).
KREDIT GRUPPE 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 Client's Information is brought to the attention of KREDIT GRUPPE , the latter must inform the Client as soon as possible and communicate the corrective measures taken. Furthermore, KREDIT GRUPPE does not collect any "sensitive data".
The User's Personal Data may be processed by subsidiaries of KREDIT GRUPPE and subcontractors (service providers), exclusively in order 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 KREDIT GRUPPE Users are mainly the agents of our customer service.
8. Incident Notification
Despite our best efforts, no method of transmission over the Internet, and no method of electronic storage, is completely secure. We cannot guarantee its absolute security. If we become aware of a security breach, we will notify affected users so that they can take appropriate action. Our incident notification procedures take into account our legal obligations, whether at 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 KREDIT GRUPPE 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 repurchase of KREDIT GRUPPE 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 respect to the user of the KREDIT GRUPPE site .
Security
To ensure the security and confidentiality of Personal Data and Personal Health Data, KREDIT GRUPPE uses networks protected by standard devices such as firewalls, pseudonymization, encryption and passwords.
When processing Personal Data, KREDIT GRUPPE takes all reasonable steps to protect it from loss, misuse, unauthorized access, disclosure, alteration or destruction.
9. Hypertext links, “cookies” and internet tags
The KREDIT GRUPPE website contains a number of hypertext links to other sites, set up with the authorization of KREDIT GRUPPE . However, KREDIT GRUPPE does not have the possibility to verify the content of the sites thus visited, and will therefore not assume any 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 and free of charge using the deactivation options offered to you and recalled below, knowing that this may reduce or prevent accessibility to all or part of the Services offered by the site.
9.1. Use of COOKIES
A "cookie" is a small information file sent to the User's browser and saved 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 access 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.
KREDIT GRUPPE may process the User's information concerning their visit to the Site, such as the pages viewed and searches performed. This information allows KREDIT GRUPPE to improve the content of the Site and the User's navigation.
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 punctually, before a Cookie is likely to be saved in his terminal. KREDIT GRUPPE informs the User that, in this case, the functionalities of his browser software may not all be available.
If the User refuses the recording of Cookies in his terminal or browser, or if the User deletes those that are recorded there, the User is informed that his navigation and experience on the Site may be limited. This could also be the case when KREDIT GRUPPE 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, KREDIT GRUPPE declines all responsibility for the consequences related to the degraded functioning of the Site and the services potentially offered by KREDIT GRUPPE , resulting from (i) the refusal of Cookies by the User (ii) the impossibility for KREDIT GRUPPE 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 his/her wishes regarding Cookies. KREDIT GRUPPE 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 KREDIT GRUPPE Site or in its mobile application and if the User has accepted the deposit of cookies by continuing to browse the KREDIT GRUPPE Website or mobile application , Twitter, Facebook, Linkedin and Google Plus may also deposit cookies on your devices (computer, tablet, mobile phone).
These types of cookies are only placed on your devices if you consent to them, by continuing to browse the KREDIT GRUPPE website or mobile application . At any time, the User may nevertheless withdraw their consent for KREDIT GRUPPE to place this type of cookie.
Article 9.2. INTERNET TAGS
KREDIT GRUPPE may occasionally use Internet tags and deploy them through a specialist web analysis 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 KREDIT GRUPPE 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.
Der externe Dienstanbieter kann mithilfe dieser Tags möglicherweise Informationen über die Besucher der Site und anderer Internetseiten sammeln, Berichte über die Aktivität der Site für KREDIT GRUPPE erstellen und andere Dienste im Zusammenhang mit der Nutzung der Site und des Internets bereitstellen.
10. Geltendes Recht und Gerichtsstand.
Streitigkeiten im Zusammenhang mit der Nutzung der Website von KREDIT GRUPPE unterliegen dem Strafrecht. Sofern gesetzlich nicht anders zulässig, liegt die ausschließliche Zuständigkeit bei den zuständigen Gerichten.