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Loan Simulation

Legal Notice

Mrs Chantal PELLETIER
CONSULT’IMMO FINANCE
137 Rue Voltaire – 01220 DIVONNE LES BAINS
RCS of Bourg-En-Bresse: 794389627
N° ORIAS: 13009929 (www.orias.fr)
Independent broker in banking operations and payment services, real estate loans, repurchase of credit – Authorized Representative and Intermediary for Personal Insurances.

Remuneration

The remuneration of the broker is due on the day the transaction that is the subject of the mandate between him and the client will be effectively completed.
In accordance with article L519-6 of the French monetary and financial code (code monétaire et financier), «Any individual or legal entity who/which provides his/its support, for whatever purpose and in whatever manner, directly or indirectly, for the obtaining or the granting of a loan of money, shall be prohibited from receiving any sum by way of an introductory charge, commission, or research fee, prospecting fee, procedural fee, origination fee or payment for any other involvement, before the loaned funds are effectively made available.
He/it shall also be prohibited, pending receipt of the funds and a copy of the deed, from presenting bills of exchange to the borrower for acceptance or from having him/it sign promissory notes as a means of collecting any fee or commission referred to in the previous paragraph.
Violations of the provisions of the first and second paragraphs of this article shall be sought out and recorded as provided for in Article L. 353-5 and shall be punished with the penalties indicated in Article L. 353-1.»

Transmission of information

The gathered information is subject to a computer process intended for the processing of the request as defined in the mandate between the broker Mrs PELLETIER Chantal- CONSULT’IMMO FINANCE and the client.
Under the law 78-17 of January 6th 1978 modified relating to computer technology, to files and to freedoms, the information concerning the client, gathered for needs that are linked to the mandate between the broker Mrs PELLETIER Chantal – CONSULT’IMMO FINANCE and the client, shall not be used and shall not be the object of external communication but for the needs of management and prospection of the broker.
Right of access and rectification: Under the articles 39 and after of the law of January 6th 1978, modified relating to computer technology, to files and to freedoms, the client has a right of access to and rectification of the information concerning him with Mrs PELLETIER Chantal – CONSULT’IMMO FINANCE or with CNIL.
Furthermore, the client has the right to object to the processing of the data concerning him with a view to prospection, by sending a letter to Mrs PELLETIER Chantal – CONSULT’IMMO FINANCE - 137 rue Voltaire, 01220 DIVONNE LES BAINS



Thank you for visiting the website www.consultimmofinance.com

You will find below our personal data policy. We strongly advise you to read it. By visiting this website you agree with the practices and you subscribe to the conditions disclosed below.

The website www.consultimmofinance.com is intended for personal information of its users.


General information :

This website is the property of Chantal PELLETIER - Consult’Immo Finance
Head office : Chantal PELLETIER - Consult’Immo Finance - 137 Rue Voltaire, 01220 Divonne les Bains
This website was created by : NetinUp Annecy
This website is maintained by : NetinUp Annecy
This website is hosted by : NetinUp Réseau, 20 bd Eugène Deruelle, 69003 LYON
Contact : 04 81 07 08 22

Copyright :
Chantal PELLETIER - Consult’Immo Finance

Applicable Law :
The website www.consultimmofinance.com as welle as the following terms and conditions are subjected to the french law.

Chantal PELLETIER - Consult’Immo Finance reserve the right to modify these legal notices anytime. The user makes the commitment to consult them regularly.

Personal data protection :
Visiting the website www.consultimmofinance.com is possible without any need to reveal its identity or any other kind of personal information.
The company Chantal PELLETIER - Consult’Immo Finance commits in respecting your privacy and protecting every information you provide. In particular the personal data collected on the website www.consultimmofinance.com are only used by Chantal PELLETIER - Consult’Immo Finance. They are confidentials and treated as such.

Regarding the nominative-type information that you might be brought to communicate to us, you have a right to access and modify them according to the French "Informatique et Liberté" law n° 78-17 of january, 6th 1978. You can use this right to Chantal PELLETIER - Consult’Immo Finance – Adress : 137 Rue Voltaire, 01220 Divonne les Bains
If you subscribed to electronic newsletter services, you can ask to unsubscribe and not receive any email.

Please note that in order to provide you with products and services increasingly tailored, some non nominative-type information, regarding your activity on the website, will be automatically collected. This information is intended to Chantal PELLETIER - Consult’Immo Finance and can be used during marketing or commercial operations or be used as a base for surveys and studies.
This information will never be transmitted to third parties. Only the Chantal PELLETIER - Consult’Immo Finance staff have access to this data.

Safety :
We take every necessary precaution to ensure the integrity of the data, their confidentiality and prevent every leaks to unauthorized third-parties.

Hyperlinks :
Creating an hyperlink leading ti the website www.consultimmofinance.com doesn't require any written authorization from Chantal PELLETIER - Consult’Immo Finance.
Nonetheless, Chantal PELLETIER - Consult’Immo Finance must be informed within 30 days after the creation of this link.
In any case, Chantal PELLETIER - Consult’Immo Finance cannot be held responsible for the contents or the products or services offered on websites with which the website www.consultimmofinance.com might find itself linked by hyperlinks or every other kind of links.

Intellectual Property :
Chantal PELLETIER - Consult’Immo Finance advise its users that many elements of this website :
a) are protected by the Copyright : this might be the case for photos, articles, drawings, animated images...;
b) and/or are protected by the legisaltion on drawings and models ;
c) are protected by the trademark laws

These protected elements are the property of Chantal PELLETIER - Consult’Immo Finance or of third-parties who gave permission to Chantal PELLETIER - Consult’Immo Finance to use them.

Every copy, representation, use, adaptation, modification, embedding, translation, selling, complete or partial by any mean and on any support (paper, digital...) is forbidden, without the written authorization of Chantal PELLETIER - Consult’Immo Finance, except the exceptions from the article L 122.5 of the "Code de la propriété intellectuelle". Any violation of these rules is considered a crime of counterfeiting of the Copyright and / or the legisaltion on drawings and models and /or trademark laws, punished by a two year jail sentence and a 150 000€ fine.

Copyright and/or legisaltion on drawings and models :
The photos, texts, slogans, drawings, images, animated images, sounds, videos as well as any work embedded on the website are the property of Chantal PELLETIER - Consult’Immo Finance or third parties who authorized Chantal PELLETIER - Consult’Immo Finance to use them.

Duplications, on a paper or digital medium of the website are authorized for personal use only. Advertising and / or commercial use are strictly prohibited aven if they are in accordance with the article L122-5 of the copyright code.

Product information :
In oder to constantly improve our products and services, Chantal PELLETIER - Consult’Immo Finance can modify at any time the caracteristics of its offer. The products and / or services presented on this website are distributed in mainland France.

In any case, information provided on this website is of general purpose and are not of any contractual value.

Limitation of liability :
You are using the website www.consultimmofinance.com under you own and entire responsibility. Chantal PELLETIER - Consult’Immo Finance wil not be held responsible for the direct or consequential damages, such as, among others, material damage, loss of data or software, fiancial loss, as a result of the use of this website or the related websites.

Update :
Chantal PELLETIER - Consult’Immo Finance reserves the right to modify and to update without notice these legal notices, contents and any product presented on the website.
All these changes are binding on users who should check these Terms and Conditions at each connection.

Monitoring statistics data :
We use the connexion data for our visits statistics (type of browser, number of visitors, pages visited....) to optimize our website sections, and improve the navigation experience forour users. This data wil not be given to third-parties.

Copy on paper :
Exept the iconography, the copy of the website on paper is allowed if the copy respects the three following conditions :

- free distribution
- respect of the integrity of the copied documents ( no modification, or changes of any kind)
- explicit quotation of the website www.consultimmofinance.com as a source and mention of the copyright and the reserved rights.