1 – Edition

Guillaume VANTHUYNE is the publication director. He and his team of editors are in charge of developing the site’s content.

The editorial team integrates daily on the site https://arcinvestcredit.com/ information as accurate as possible. However, it cannot be held responsible in the event of inaccuracy or omission of data, whether it is its own doing or that of its sources of information.

We would like to draw your attention to the fact that the data appearing on these pages may have been modified since they were put online. The rate barometers made available to users display estimates of interest rates according to the regions and the period selected. This data may not under any circumstances be used as contractual information.

This site uses the WordPress publishing platform.

3 – Intellectual property

All editorial content (texts, illustrations, images, videos, sounds) appearing on le-pret-immobilier.com are the property of ARC CREDIT.

Any modification, publication, representation, reproduction, adaptation of all or part of the contents of this site is prohibited, regardless of the process required. Only written authorization, provided in advance by ARC CREDIT, may assign these rights to another person.

Any unauthorized use of the site will be considered an infringement and will be subject to legal proceedings in accordance with the provisions of Article L.335-2 of the Intellectual Property Code.

4 – Hosting

This site is hosted by the SMicrosoft Amsterdam Data Center: Agriport 601, Middenmeer, Netherlands.

5 – Information technology and freedom

In accordance with Law 78-17 of 6 January 1978, relating to information technology, files and freedoms, amended on 20 June 2018 by Law No. 2018-493 relating to the protection of personal data, users of the site https://www.arcinvestcredit.com have a right of access (art. 34 to 38 of the law) and rectification (art. 36 of the law) of data concerning them. As a result and in accordance with the legislation, if they consider that the information they have provided is inaccurate or incomplete; they can request its modification, updating or even total deletion.

To do this, they simply need to send a letter to the company ARC CREDIT
, 7 Av. des Fruitiers93210 Saint-Denis, France
. This must stipulate the reasons for this rectification as well as the data they wish to know, correct or delete. Thus the agency will execute their request in accordance with their conditions.

Users provide this information with full knowledge of the facts, particularly when they enter it themselves. Users of the le-pret-immobilier.com site are then informed of the obligation or not to provide this information.

6 – CNIL Declaration

The arcinvestcredit.com website has been the subject of a prior declaration to the National Commission for Information Technology and Civil Liberties (CNIL), a declaration registered under receipt number: 1153654. The information collected may be transmitted to the professional partners of the https://arcinvestcredit.com website

7 – Protection of persons, minors and property

arcinvestcredit.com wishes to contribute to the development of fair practices on the Internet that comply with good morals.

https://arcinvestcredit.com/ attaches importance to the fight against the dissemination of illicit content (of an offensive, defamatory, racist, xenophobic, revisionist, pedophile nature, etc.) and to the protection of children.

Consequently, https://arcinvestcredit.com/ undertakes:

• to contribute to the action of the competent authorities who request it
• to distribute advertising that complies with the legislation in this area

The user therefore undertakes not to use the site in a manner contrary to any regulation or law in force and in particular not to offer data:

• contrary to public order,to good morals, respect for privacy, the principle of confidentiality of correspondence
• inciting discrimination, hatred
• of an insulting, defamatory, racist, xenophobic, revisionist nature or undermining the honor or reputation of others, threatening a person or group of people
• of a pornographic or paedophile nature
• inciting the commission of a crime, an offence, suicide or an act of terrorism or advocating war crimes or crimes against humanity

The user also undertakes:

• not to exploit the services of le-pret-immobilier.com or the personal data to which he may have had access for commercial purposes
• not to offer products and services from the site https://arcinvestcredit.com/ allowing him to obtain remuneration directly or indirectly
• not to not limit access to and use of the site
• not to modify any mention or element of the site
• not to contravene articles 323-1 to 323-7 of the Penal Code concerning hacking practices
• not to send mass and unsolicited emails or postal mail to other users (« spamming »)

7 – Cookies / Privacy

a. What is a cookie?
A cookie is a file made up of a set of data stored on your computer, tablet, mobile. This data is collected through your internet browser (Chrome, Firefox, Edge, etc.) when you browse a website or web application.

b. The impact of our cookies

Only the device you use is identified in cookies, they do not identify you personally. They just communicate information about your journey on our entire site.
They are used to facilitate your navigation on our site in order to offer you an optimal and ergonomic user experience.
The cookies used on our site will not be able to damage your terminal in any way.

c. Reject or delete cookies
You can choose whether or not to accept cookies via your browser
Here are the procedures to reject or delete them for the main browsers:
– Chrome: https://support.google.com/chrome/answer/95647?co=GENIE.Platform%3DDesktop&hl=fr
– Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-preferences?redirectlocale=en-US&redirectslug=enable-and-disable-cookies
– Edge: https://privacy.microsoft.com/en-US/windows-10-microsoft-edge-and-privacy
– Safari: https://support.apple.com/en-US/HT201265

As a reminder, refusing cookies will not allow you to optimally use our site and the various services it offers (Simulators, calculators, videos, etc.).

https://arcinvestcredit.com/ contains hyperlinks to some of its sections or tools, but also to external reference, governmental or institutional sites.

General conditions of use of the simulator

1 – Data confidentiality

All data communicated is secure, our site has an authentication certificate « https » which guarantees the integrity of your information.

When one of our calculators is used, all data entered is not stored at any time. In addition, it is anonymous since no identification is requested.

The information entered during a simulation is stored on our secure servers, no alteration is made unless the user requests it. To do this, simply send a letter to ARC CREDIT
7 Av. des Fruitiers 93210 Saint-Denis, France; as indicated above in the paragraph “Information Technology and Freedom”.

The user can also fill out the form below to make his request:

The user transmits this information with full knowledge of the facts, in particular when he enters it himself. It is then specified to the user of the site https://arcinvestcredit.com/ the obligation or not to provide this information.

2 – Security of data exchanges

https://arcinvestcredit.com undertakes to take all legal and technical measures to secure exchanges. As such, le-pret-immobilier.com undertakes an obligation of means to block data diversions and to comply with applicable regulations.

Nevertheless, users of the site are aware of the technical particularities of the Internet network and the related risks. Consequently, https://arcinvestcredit.com cannot guarantee its users that the data exchanged via the services offered by https://arcinvestcredit.com will not be fraudulently collected by third parties.

3 – Simulation results

Internet users have calculation and simulation tools at their disposal to visualize their real estate project. Thus, they can anticipate certain deadlines and find out about a subject in a personalized and free manner.

These simulation services only provide results for information purposes, these have no contractual value. The user must be aware of this when using the results of their simulations.

All of the data entered during a simulation can be used by the site https://arcinvestcredit.com or by its partners. Following this, the user can be contacted by phone call or email. In accordance with law n°2014-344, (Hamon law) of March 17, 2014 and with article L.223-2 of the Consumer Code, operations of telephone canvassing may be stopped; except in the case of a pre-existing contractual relationship.

To do this, they simply need to send a letter to the company ARC CREDIT
7 Av. des Fruitiers93210 Saint-Denis, France. This must stipulate the reasons for this rectification as well as the data they wish to know, correct or delete. The agency will then execute their request in accordance with their conditions.

Users can at any time register on a list of opposition to telephone canvassing, via the Bloctel government website.

4 – Availability of services

Le-pret-immobilier.com has an obligation of means in terms of service accessibility and sets up the necessary structures to make the site accessible 7 days a week and 24 hours a day.

Nevertheless, its access may be suspended without notice, mainly for reasons of maintenance and upgrades. https://arcinvestcredit.com is in no way responsible for any damage that may result for the user or any third party.
Similarly, part or all of the services and content may be modified or deleted, in particular for technical reasons, without notice.

https://arcinvestcredit.com reserves the right to refuse, unilaterally and without prior notification, to any user access to all or part of the site. Such a decision could in particular be taken in the event of non-compliance with this charter by a user.

5 – Applicable law

This Charter of the site https://arcinvestcredit.com is subject to French law. https://arcinvestcredit.com reserves the right to amend its terms, conditions and warnings at any time. In addition, the information available on this page is provided for information purposes.

The user remains solely responsible for the use he or she makes of the content of the informative guides.

6 – Purpose of data processing

Collected automatically, the data from cookies guarantees the proper functioning of our website and allows us to improve its navigation.

In the table below, you can find the cookies used on our site and their purpose.

Name	Purpose	Retention period
Google Analytics	Allows us to measure our audience	13 months
Google Tag Manager	Retrieves and manages all of the tags on our site	13 months
Pardot	User behavior analysis	13 months
Google Optimize	Set up A/B test	13 months
UTM	Count of forms sent to partners	13 months
Preference cookies	To remember your browsing preferences	13 months
Hotjar	Analyzes user behavior on a particular page	13 months