Privacy Policy
Welcome to the www.finobserver.com website. By using this site, you acknowledge having knowledge of the legal notice
and agree to comply with it. The purpose of this legal notice is to let you know
how we collect and process your data on this website. The content of this notice
is subject to change; consequently we invite you to consult it regularly.
1. LEGAL NOTICE
This website is owned in common by
EFMA SARL, a company registered with the Trade and Companies Registry of Paris
under number B 313 062 788, having its registered office at 8, rue Bayen 75017
Paris, France.
and
Alténor Consulting SAS, a company registered with the Trade and Companies Registry
of Paris under number B 434 772 976, having its registered office at 14, avenue
de l’Opéra - 75001 PARIS, France.
The editors of FinObserver website are Patrick Desmarès and Benoit Lassara
Pursuant to the French data protection law of 6 January 1978, the automated processing
of personal data carried out within the framework of EFMA SARL's website has been
registered with the Commission National de l'Informatique et des Libertés (CNIL)
which has delivered a receipt under number 776658.
You can contact the webmaster : webmaster@efma.com.
The site is hosted by Idianet, 282 rue des Pyrénées, 75020 Paris
2. TECHNICAL INFORMATION
You represent having the skills and means necessary to access and use this site,
and having checked that the computer configuration used is virus-free and in good
working order.
This site is accessible 7x24, to the exception of force majeure events, computer
difficulties, difficulties linked to the structure of the communication networks
or technical difficulties.
For maintenance reasons, EFMA and Altenor may interrupt the site and shall do
its best to inform you beforehand.
3. WHAT YOU NEED TO KNOW ABOUT THE WEB
It is difficult to guarantee that the transmission of data over the Internet
is safe through and through.
Although we make every effort to protect personal data, we cannot ensure or guarantee
either that the data transmitted directly or through those on-line services are
wholly secured.
Accordingly, even if we do our best to ensure their guarantee as soon as we receives
them, the disclosure of your personal data is at your own risk.
In particular, you should be aware that each time you voluntarily post data on-line
in areas accessible to the public (whether it be forum, e-mail or discussion group),
these data may be technically collected and used by third parties, who may, for
instance, address in reply unsolicited e-mails.
4. CONTENT OF THE SITE
EFMA and Altenor make available to you information and perspectives regarding
innovation in the Retail Financial Sevices Area. This material shall in no way
be regarded as legal advice.
Despite the care with which EFMA and Altenor check these information, EFMA and
Altenor shall not be liable in case of error, unavailability of information and/or
presence of viruses on its site.
In the same way, the content of the articles published on-line shall bind their
authors alone.
5. YOUR OBLIGATIONS AS USER
You shall abide by the applicable laws (in particular, French Data Protection
law).
In particular, you shall not, regarding the personal data to which you access,
collect, divert or, generally, do anything which may be damaging to another user's
or any other person's privacy, reputation, esteem, image or sensitivity, by avoiding
any defamatory, provocative, malicious or threatening comments, messages or texts.
The general structure, as well as the software, texts, animated images and sounds,
and in a general manner, any other element composing the site are the exclusive
property of EFMA and Altenor.
Altenor and EFMA allow users to reproduce all or part of the site contents to
be viewed by a computer belonging to one person, and to reproduce one example
as a saved or printed copy. This right applies strictly to personal, private
and non-collective use purposes. All network sharing, redistribution, commercialisation,
or by third parties whether totally or partially, or in any other form is strictly
forbidden.
Despite the reproduction and storing rights that are strictly defined above,
unless with authorisation expressed by Alténor and EFMA, the user is forbidden
to reproduce and/or utilise the brands and logos present on the site www.finobserver.com, as well as to modify, copy, translate, reproduce, sell, publish, profit from
and diffuse in any digital or other format, all or part of the information, text,
photos, images, videos and data present on this site. The violation of these terms
is punishable to all persons involved by legal and civil punishment by law.
Any total or partial performance of this site, by any means whatsoever, is forbidden
and would constitute an infringement punished by articles L. 335-2 et seq. of
the French Intellectual Property Code, unless EFMA and Altenor expressly authorizes
it.
The same applies to databases of the website and of which EFMA and Altenor is
the producer; they are protected by the provisions of the French Intellectual
Property Code implementing the European directive of 11 March 1996 on the legal
protection of databases.
EFMA's and Altenor's and FinObserver’s trademarks and logos displayed on the
site are registered trademark.
No reproduction, whether total or partial, of these trademarks or logos, may
be made from the elements of the site without EFMA's express authorization.
Altenor and/or EFMA may provide, or third parties may provide, links to other
World Wide Web sites or resources. Because Altenor and/or EFMA have no control
over such sites and resources, you acknowledge and agree that Altenor and/or EFMA
are not responsible for the availability of such external sites or resources,
and do not endorse and are not responsible or liable for any content, accuracy,
quality, advertising, products, or other materials on or available from such sites
or resources.
Users and visitors cannot set up a hyperlink to this site without EFMA's and
Altenor’s express and prior consent.
6. COMMENTS
The information you disclose in a comment is posted on-line in order to be read
by all allowed visitors of the site.
A mediator is in charge of checking that the content of such comments contains
no remarks which may be damaging to third parties' esteem or privacy, which would
not relate to the topic concerned or the editorial line for the site, or which
would be contrary to the law.
If such is the case, the moderator is entitled to delete some contributions,
but also to expel the author of such remarks.
7. WHAT INFORMATION IS COLLECTED?
We offer you to supply us with information (in particular, your name and contact
information) which will enable us to send you the documentation you desire and
enable you to download the documents you may want.
Part of this information can only be accessed with a password that you will select
and disclose to us when completing the "Subscribe" questionnaire.
If you do not wish to receive documentation or benefit from our services, you
can visit our site without having to identify yourself or register.
Your email address will be automatically collected if you send us an e-mail,
in order to answer you.
8. WHO RECEIVES SUCH INFORMATION?
The information relating to you collected within the framework of this site is
indented to be given to the EFMA and/or Alténor departments in charge of answering
to your queries.
Furthermore, all the data collected as well as your IP addresses can be accessed
by the Computer Department employees, duly authorized to process them confidentially.
Your data are not disclosed to any other company.
9. HOW TO EXERCISE YOUR RIGHT OF ACCESS AND RECTIFICATION?
Pursuant to the applicable personal data protection laws, you have the right
to access data relating to you, obtain copy thereof or request them to be rectified,
if need be.
This right of access and rectification may be exercised in two ways: either on-line,
for example under the heading "Subscribe" when you enter your personal data in
the questionnaire, or sending us an email at marketing@efma.com.
In accordance with the personal data protection laws, this right is personal
and therefore can be exercised only by the person concerned on his/her own data:
for security reasons, the department in charge of answering your request will
have to check your identity, in order to prevent any confidential information
relating to you from being disclosed to someone else.
Since it is strictly personal and confidential, your password enables us to be
sure of your identity.
In the event you exercise your rectification right, we will send you, at your
request, copy of your information such as rectified.
10. FURTHER INFORMATION
Should you request any further information, please send an email to marketing@efma.com.
