In accordance with the provisions of Law No. 2004-575 of 21 June 2004 on confidence in the digital economy (LCEN), as well as applicable regulations on financial services, users of the website https://private-kredit.com are informed of the following legal information.
1. Site publisher
The website https://private-kredit.com is published by:
PRIVATE KREDIT, SAS with a share capital of 100 000 €.
Registered office: 18 allée Roberteau, 67000 Strasbourg.
Trade and Companies Register (RCS): Paris B 123 456 789.
SIRET: 123 456 789 00012.
EU VAT number: FR12 345678901.
Telephone: +4917610751789.
Email: contact@private-kredit.com.
2. Publication director
The publication director of the website is Sophie Laurent, in their capacity as legal representative of PRIVATE KREDIT.
3. Professional status and regulatory registration
PRIVATE KREDIT operates as an intermediary in banking operations and payment services (IOBSP) and as an insurance intermediary, registered with the Organisation for the Single Register of Insurance, Banking and Finance Intermediaries (ORIAS) under number 12 345 678 (www.orias.fr).
PRIVATE KREDIT is subject to the supervision of the Autorité de Contrôle Prudentiel et de Résolution (ACPR) — 4 Place de Budapest, CS 92459, 75436 Paris Cedex 09 — and complies with the provisions of the Monetary and Financial Code relating to consumer credit and the fight against money laundering and terrorist financing.
As a credit intermediary, PRIVATE KREDIT does not grant credit from its own funds. Financing offers are issued by partner credit institutions whose identity is communicated to the client before any contractual commitment.
4. Hosting provider
The website is hosted by:
OVHcloud.
Address: OVHcloud_address.
The hosting provider is a third party to the relationship between PRIVATE KREDIT and site users. It cannot be held liable for content published on the site, which remains the sole responsibility of the publisher.
5. Intellectual property
All elements comprising the website https://private-kredit.com (structure, design, texts, images, photographs, logos, icons, sounds, software, databases) are the exclusive property of PRIVATE KREDIT or subject to authorised use rights.
Any reproduction, representation, modification, publication, transmission or distortion, in whole or in part, of the site or its content, by any means whatsoever, without the prior written authorisation of PRIVATE KREDIT, is strictly prohibited and constitutes infringement punishable by Articles L335-2 et seq. of the Intellectual Property Code.
The "PRIVATE KREDIT" trademark, logo and associated graphic elements may not be used without express written authorisation from PRIVATE KREDIT.
6. Limitation of liability
PRIVATE KREDIT endeavours to ensure the accuracy and updating of information published on the site. However, it cannot guarantee the completeness, accuracy or timeliness of all content. Information is provided for guidance only and does not constitute a contractual offer or personalised financial advice.
PRIVATE KREDIT shall not be held liable for direct or indirect damage resulting from access to the site, use of information published, temporary unavailability of the site, or the presence of viruses or malicious programmes despite the security measures implemented.
Hyperlinks to third-party websites are provided for convenience. PRIVATE KREDIT exercises no control over these sites and declines all responsibility for their content, availability or personal data protection practices.
7. Personal data
The processing of users' personal data is carried out in compliance with the General Data Protection Regulation (GDPR) and French Data Protection Act. For full details on data collected, purposes, retention periods and your rights, please refer to our Privacy Policy available at https://mail.private-kredit.com/en/privacy-policy.
Users may exercise their rights by contacting contact@private-kredit.com or by post to 18 allée Roberteau, 67000 Strasbourg.
8. Cookies
The site uses cookies and trackers to ensure proper operation, measure audience and improve user experience. In accordance with CNIL recommendations, your consent is collected for non-essential cookies. You can manage your preferences at any time via the cookie banner or your browser settings. Further information is available in our Privacy Policy.
9. Applicable law
These legal notices and use of the website are governed by French law. In the event of a dispute relating to the use of the site, and after an attempt at amicable resolution, the courts within the jurisdiction of the registered office of PRIVATE KREDIT shall have exclusive competence, subject to mandatory consumer protection rules.
10. Contact
For any questions regarding these legal notices or the operation of the site, you may contact us:
PRIVATE KREDIT — 18 allée Roberteau, 67000 Strasbourg — Email: contact@private-kredit.com — Phone: +4917610751789.