Your rights

David Ducard

Legal information (Updated on 25.05.2018)

The secured website «pretimmoconseils.com» belongs to Prêt Immo Conseils Suisse Sarl, a simplified joint stock company with a capital of CHF 20 000.-

Head Office : Rue du Pré-de-la-Fontaine, 19 - CH 1242 Satigny.
Phone : +41 (0) 223 610 111
Email : info@pretimmoconseils.com

RCS GENEVE CHE 373-770-555 - Independant mortgage broker specialized in home loans and refinancing for individuals.

In charge of publishing & DPO : David Ducard
In charge of website creation, design & SEO : www.guigout.com

Website hosting

Our site and electronic mail are hosted by Infomaniak.ch, whose data servers are located in Switzerland and certified according to international standards for data security.

Copyright

All the documents including texts, images, photographs, pictures, sounds, music, posted on the site are, unless otherwise specified, the property of Pretimmoconseils.com. Branding and its logo are trademarks of Prêt Immo Conseils Switzerland Sarl company.

Accordingly, and pursuant to the provisions of the Code of Intellectual Property, the laws and regulations of all countries and international conventions, any representation and/or reproduction, in whole or in part, of any one of the topics mentioned above, without the prior written consent of the company is prohibited.

Respect of privacy policy

Since the beginning, Prêt Immo Conseils and employees strictly respect business and individual banking privacy rules pursuant to French legislation enacted in the "Informatique et Libertés" law of 6 January 1978 and amended in 2004 (1755300 v0).

In order to comply with the new EU Regulation including Switzerland, on General Data Protection (GDPR) coming into force on May 25, 2018, our policy of collection, use and processing of personal data is being reviewed.

Data protection

The contact form on our site is provided to collect information and download resources in order to study your financing within the banking and/or insurance system in France or Switzerland. Our site does not record any data online.

For loan applications or credit insurances in France, a very detailed research mandate specifying obligations is also completed and signed jointly in order to obtain your consent in accordance with the requirements of the ACPR (Autorité de Contrôle Prudentiel et de Résolution) and the ORIAS (French insurance, banking and finance brokers registry).

For this purpose, the data collected concern your personal, professional and financial situation. Strictly confidential, they may be subject to computer processing and/or secure data transmissions to meet legal or contractual obligations.

The recipients of certain data are :

• Banks and Insurance companies, we signed partnership agreements (list updated on our website),

• Representatives of real estate, financial & legal entities regarding the financing process after seeking your consent (no confidential data will be given-out).

PIC Switzerland Sarl prohibits the sale or rental of your data to third parties for marketing purposes. The use of data is strictly limited to the development of its activity (internal statistics) and visibility (anonymous feedback).

Individual rights

All client information and documents are stored and saved both in paper form (declaration form) as well as electronically (NAS in addition to local hard drives). They must be kept for 10 years in accordance with current legal requirements of the countries where Prêt Immo Conseils activity is carried on.

In accordance with the new General Data Protection Regulations (GDPR), any client based in the U.E. including Switzerland can access the data in their personal file and has the right to : rectification, objection, restriction of processing, erasure and data portability by sending a request by mail signed, accompanied by proof of identity to the postal address of PIC Switzerland Sarl i.e. Rue du Pré-de-la Fontaine, 19 - CH-1242 Satigny. If needed, he can also update its preferences regarding email communications at any time.

In addition to the above and in accordance with the French law (section L.321-2 of the Consumer Code), you need to know that : "no payment of any kind, can be required from someone before obtaining a loan or loans".
Important : “no payment, in any form whatsoever, can be made by the lender to the borrower or on behalf thereof, or by the borrower to the lender, under the transaction, until the acceptance of the offer by the borrower. Until this acceptance, the borrower cannot make any deposit, accept any bill of exchange or sign any check. If a direct debit, from a bank or postal account, is signed by the borrower, its validity and effect shall be subject to the approval of the credit agreement by the lending agency. You are protected, and you retain the freedom to change your mind whenever you want. You choose the loan that suits you best for your project.”

Compensation policy

Our services include the study of your project structure in French or English in the context of the search for financing related to Chf or Euro loan applications, refinancing or loan insurance up to the presentation to the bank (and notary's purchasing agreement if needed). These services are entirely free of charge (no administration or brokerage fees) for loan applications in France as indicated in our detailed research mandate. In Switzerland, our services are subject to the signature of an agreement related to the study of mortgages with contractual invoicing.

Cookies

“pretimmoconseils.com” uses cookies for analytical purposes (anonymous statistics) to improve the effectiveness (website design) and increase usefulness (content updating). At any time, you can change your browser settings to adjust the use of cookies.

Third-party websites

We use the web services of suppliers and service providers who have themselves defined their privacy and compliance policy to the RGPD as part of their email platform (Gmail), banking simulation (Alto Informatique), online simulation of insurance guarantees (via a secure extranet), business management (Winbiz) and social networks (Facebook & LinkedIn).

Obtaining consent

By visiting our website «pretimmoconseils.com» in order to contact us, directly by email or by completing our contact form, you accept all our legal information updated on 25.05.2018.