Prêt Immo Conseils Suisse, Limited company with share capital of CHF 20 000
Headquarter : Rue du Pré de la Fontaine, 19 – CH 1242 Genève
Phone :+41 22 361 01 11
Email : firstname.lastname@example.org
IDE CHE 373-770-555
RC PRO No 4.000.597.386 chez Helvetia assurances entreprises – CH-1762 Givisiez
FINMA : Please note that as an independent intermediary (broker) in Switzerland, our firm is not supervised the Swiss Financial Market Supervisory Authority.
Prêt Immo Conseils France, Simplified private limited company with capital of € 5000
Postal Adress : Le Keynes, 13A Chemin du Levant – F-01210 Ferney-Voltaire
RCS BOURG-EN-BRESSE N°820 104 073
RC PRO No RCCO 000320 chez April Entreprise Est – F-67100 Strasbourg
CNIL : No 1755300vO
CNCEF : No 19.0283
*ORIAS : No 16005057
*Any individual or legal entity that, on a regular basis and in return for payment or for any other form of economic advantage, engages in intermediation in banking transactions and in payment services without being a del credere agent is an intermediary in banking services and in payment services (article L.519-1 of the Monetary and Financial Code). All intermediaries in banking operations and payment services must register with ORIAS, which has a monitoring role (https://www.orias.fr)
“pretimmoconseils” is a website belonging to PIC SUISSE SARL.
Our website and email system are hosted in Switzerland by informaniak.ch, whose data servers are certified as meeting international standards for data security.
In charge of publishing & DPO : David Ducard
In charge of design & SEO : www.guigout.com
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 PIC SUISSE 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.
In accordance with the provisions of law no. 78-17 of 6/01/1978 in France and regulation 2016/679 of the European Parliament and of the Council of 27 April 2016 (the GDPR), which applies in both France and Switzerland, concerning the protection of natural persons with regard to the processing and free movement of personal data, our firm undertakes to :
- Collect and process the data solely with respect to the purposes required and agreed between our firm and its customers,
- Maintain the security and integrity of the data,
- Only share this information with the third parties who require it and who are responsible for the agreed services being carried out, and, more broadly, to act within the framework of regulatory requirements that applies to the firm.
The customer is informed that he has the right to request from the data controller access to personal data, to ask about data categories and recipients of the data, the period for which the personal data will be stored, or, alternatively, the criteria used to determine that period. He also has the right to request the rectification and erasure of data, a right to data portability, and the right to request restriction of processing of his personal data. In order to do so, he should send a request to our firm using a medium that can be retained (such as post, email, etc.) at the following address : Prêt Immo Conseils Suisse Sarl – Rue du Pré de la Fontaine, 19 – CH 1242 Satigny.
He may lodge a complaint with CNIL at the following address : 3 place de Fontenoy – TSA 80715 – 75334 Paris Cédex 07.
For your information, please note that :
- The purpose of the contact form on our website is to receive content and resources for downloading so that your financing application can be examined in the French and Swiss banking or financial systems or the French insurance system. The website does not record any data online.
- The information and documents collected are stored in both hard copy (entry document, mandate, disclosure form, loan calculation) and digital format (databases), and on the network (NAS + local hard drives). They will be retained for five years in accordance with the laws in force in the countries where our firm is active.
- We use web services from suppliers and service providers who have devised their own confidentiality and GDPR compliance policy for their platforms, including email systems, loan calculators, online guarantee calculators (via a secure extranet site) and corporate accounts management.
In addition to the GDPR, which applies in Europe, and in accordance with French law (article L.321-2 of the French Consumer Code), you should be aware that : “no payment of any kind may be required from an individual before one or more financial loans has been obtained”.
NB : “Until the borrower has accepted the offer, no payment, in any form whatsoever, may, as part of the transaction in question, be made by the lender to the borrower or on the lender’s behalf, nor by the borrower to the lender. Until the borrower has accepted the offer, the borrower may also not deposit any money, take out or endorse a commercial paper, or sign a cheque. If the borrower signs a direct debit authorisation for a bank or post office account, its validity and effective date will be contingent on the validity and effective date of the loan agreement. We would like to draw your attention to the fact that you must not commit any payment whatsoever until the loan is granted. This will protect you and enable you to change your mind whenever you want. You should choose the best loan for you and the property you intend to purchase”.
A reminder from the “Lagarde” law for borrowers in France: “A loan is a commitment on your part and must be repaid, so check your ability to repay the loan before committing to it”.
Our firm receives fees in both France and Switzerland (only for looking for mortgages). Apart from the 1st preliminary study before submitting your application (including a loan calculation, if applicable) which is still free of charge after 25 years, you may be invoiced for fixed fees adjusted according to the retained financial institution. They will be clearly explained to you in both the “entry document”, and “the mandate to act as a financial intermediary” signed jointly with you in accordance with the legislation in force in both France and Switzerland.
Handling complaints – mediation
Any customer wishing to make a complaint will be invited to submit a written request to our firm; we undertake to acknowledge receipt of the letter within 10 working days and to process the complaint within two months from the date we receive it, unless special, justifiable circumstances arise.
If the dispute takes place in France and the customer is not satisfied with the response, he will then be entitled to refer the matter to the consumer mediator with a view to finding an amicable resolution, by writing to : CMAP – Service médiation de la consommation – 39 Avenue F.D. Roosevelt – 75008 Paris ou par email à : email@example.com.