SAVETRADE - The new generation of credit insurance

Terms of Use Sabine REINHOLD 19 December 2023
General Terms and Conditions of Use of the "www.savetrade.com" website

Please read these Terms and Conditions of Use for the www.savetrade.com  website carefully before browsing the site.

ARTICLE 1 – PURPOSE OF THE GENERAL TERMS AND CONDITIONS OF USE
ARTICLE 2 – ACCEPTANCE OF THE GENERAL TERMS AND CONDITIONS OF USE AND ANY AMENDMENTS THERETO
ARTICLE 3 – USER LICENCE
ARTICLE 4 – HYPERTEXT LINKS
ARTICLE 5 – OBLIGATIONS OF THE USER
ARTICLE 6 – CONTENT PROVIDED BY THE USER
ARTICLE 7 – DURATION – TERMINATION
ARTICLE 8 – PERSONAL DATA – COOKIES
ARTICLE 9 – AVAILABILITY OF THE SITE
ARTICLE 10 – LIMITATION OF LIABILITY – NO WARRANTY
ARTICLE 11 – NON-WAIVER
ARTICLE 12 – NULLITY OF A CLAUSE OF THE GENERAL TERMS AND CONDITIONS OF USE
ARTICLE 13 – APPLICABLE LAW – COMPETENT COURT
ARTICLE 14 – CONTACT

ARTICLE 1 - PURPOSE OF THE GENERAL TERMS AND CONDITIONS OF USE

The purpose of these General Terms and Conditions of Use (hereinafter “GTCU”) is to define the terms and conditions of use of the website accessible at the address “www.savetrade. com” (hereinafter “the Site”), published by LG TRADE FINANCE (trading name SAVETRADE), a Société par Actions Simplifiée (simplified joint stock company) with capital of 140,000 euros, registered in the Paris Trade and Companies Register under number 812 985 539, having its registered office at 27 rue Bassano – 75008 PARIS – France, – code NAF 66.22Z – intra-community VAT number: FR75812985539 – ORIAS n° 15005153 (hereinafter “SAVETRADE”).

The publication director is Mr Laurent GALIBERT, Chairman (contact@savetrade.com).

The Site is hosted by OVHcloud, a simplified joint stock company with a single shareholder, whose registered office is at 2 rue Kellermann – 59100 ROUBAIX, (Contact: https://www.ovhcloud.com/fr/contact/ – tel. no.: 1007).

ARTICLE 2 - ACCEPTANCE OF THE GENERAL TERMS AND CONDITIONS OF USE AND ANY AMENDMENTS THERETO

By using the Site, you acknowledge that you have read these Terms and Conditions, that you accept these Terms and Conditions in their entirety without reservation and that you undertake to comply with the obligations incumbent upon you. If you do not accept the GCU or have any reservations, please do not use the Site.

The GCU express the entire agreement between you and SAVETRADE applicable to your use of the Site.

SAVETRADE reserves the right to modify these GCU by updating them at any time.

The version of the GCU applicable between you and SAVETRADE is the one in force at the time of your use of the Site. You must therefore consult this page regularly in order to be aware of the GTCU in force when you use the Site.

By continuing to use the Site, you acknowledge that you have read the amended GTUs and you accept them unreservedly.

ARTICLE 3 - USER LICENCE

All of the elements of the Site – in particular: its structure, its content, the information presented therein, the illustrations, photographs, images, sounds and videos, articles, newsletters, presentations, brochures, computer programmes – are protected under intellectual property rights, these elements and these intellectual property rights belonging to SAVETRADE.

The protected works reproduced on the Site and not belonging to SAVETRADE have been the subject of express prior authorisation for reproduction by the holder of the rights.

When you access the Site, SAVETRADE grants you a personal, non-exclusive, non-transferable right, free of charge, to display and use the Site and its content, for your personal and non-commercial needs, to consult the content of the Site and to obtain information about SAVETRADE or its products and services. Any other use is prohibited without the prior written authorisation of SAVETRADE.

Consequently, you undertake to respect the intellectual property rights relating to the Site and its component parts and, in particular, not to, without the prior written agreement of SAVETRADE :

  • reproduce, represent, modify, alter, translate, adapt or redistribute any element contained in or relating to the Site without the prior authorisation of SAVETRADE;
  • divert or make commercial use of the Site by offering it to third parties, without first obtaining the express agreement of SAVETRADE ;
  • extracting, reusing, storing, reproducing, representing or retaining, directly or indirectly, on any medium whatsoever, by any means and in any form whatsoever, all or a qualitatively or quantitatively substantial part of the Site, as well as repeatedly and systematically extracting or reusing qualitatively and quantitatively non-substantial parts when these operations manifestly exceed the conditions of normal use of the Site.

Any act mentioned above without the express authorisation of SAVETRADE is therefore prohibited and would constitute an infringement punishable by articles L.335-2 et seq. of the Intellectual Property Code or an infringement of a database punishable by articles L.342-1 et seq. of the Intellectual Property Code.

In particular, the brands and logos (hereinafter collectively referred to as “the Brands”) reproduced on the Site are registered or unregistered Brands belonging exclusively to SAVETRADE. No element of the Site may be considered as an invitation or implicit authorisation to use the Brands published on the Site. Any use requires the prior written consent of SAVETRADE.

However, as an exception to the previous paragraphs, SAVETRADE authorises you to download, for your personal use, documents, newsletters or other documents, property of SAVETRADE, which are made available to Users on the Site in the form of electronic files specifically for this purpose.

In this case, and unless otherwise expressly indicated in writing by SAVETRADE, you will be authorised to keep a copy of these documents, to print them and to share them with third parties, free of charge, for their personal use only, subject to not making any changes to them.

You may make a short quotation from the content of these documents, provided that the title of the document, the name of SAVETRADE and, where applicable, the name of the author of the document appear.

These GCU do not confer on you any right of ownership over the Site and its content and their temporary availability cannot be construed as the transfer of any intellectual property right to you, nor any other right other than those set out above.

ARTICLE 4 - HYPERTEXT LINKS

The Site may allow you to access, via hypertext links placed in the various sections, services published and provided by third parties (hereinafter referred to as “Third Party Services”).

The Third Party Services are offered independently by the partners, advertisers or third party publishers of these services, under their sole responsibility. Consequently, the Company cannot be held responsible for the content of the Third Party Services accessible via links appearing on the Site, nor for all of the offers, information consulted or transactions carried out on these Third Party Services; the publishers of the Third Party Services alone are engaged in a contractual relationship with you.

Consequently, by accessing Third Party Services via the Site, you will be subject exclusively to the specific conditions of use and/or sale of the said Third Party Services. SAVETRADE does not provide any service or guarantee with regard to the Third Party Services used by Users. Consequently, SAVETRADE declines all responsibility in the event that the content of Third Party Services contravenes the legal and regulatory provisions in force.

ARTICLE 5 - OBLIGATIONS OF THE USER

In accessing and using the Site, you undertake to:

  • Access and use the Site and its content for strictly personal use and in accordance with these GCU and the legislation and regulations in force;
  • Not to carry out any action that would constitute a violation of the rights of SAVETRADE and/or a third party, in particular that would damage its reputation, its image or its intellectual property rights.
  • Not to send messages containing computer viruses or any other programme whose purpose or effect would be to damage, spy on or destroy computer equipment, systems, data or software;
  • Not to undermine the integrity of the Site, nor to use the tools made available for purposes other than using the Site, nor to misappropriate them.
ARTICLE 6 - CONTENT PROVIDED BY THE USER

If you transmit content (texts, comments, publications, opinions, photos, videos), by e-mail, via the Site or on the social networks that the Site uses, we remind you that transmission (including by e-mail) on the Internet or other networks accessible to the public is not secure and may be lost, intercepted or modified.

Consequently, SAVETRADE is not liable for any damage or costs that you may incur as a result of the transmission of content over the Internet or other networks, including the exchange of e-mails containing personal data.

You undertake not to upload, post, transmit, share or make available via the Site or the social networks that the Site may use, any content that is false, illegal, abusive, threatening, harmful, offensive or likely to infringe the intellectual property rights or privacy rights of third parties or to contain viruses, Trojan horses, time bombs or any other harmful or disruptive computer code, files or programmes designed to interrupt, destroy or limit the functionality of any software or hardware or telecommunications equipment.

By downloading, publishing, transmitting, sharing or making available on the Site or on any social networks that the Site may use, any data or content belonging to you and which forms part of the information on the Site, you authorise SAVETRADE to have a perpetual, free, irrevocable, non-exclusive and worldwide right to reproduce, use, modify, adapt, publish, grant sub-licences, translate, reformat, create derivative works or adaptations, represent this data and this content or incorporate this data and this content in any form, on the Site and on any medium or any technology known or unknown, solely for information purposes or for the promotion of SAVETRADE’s products and services.

You are solely responsible for this content. Consequently, you may not seek SAVETRADE’s liability or guarantee in the event of legal or administrative action, claims, demands or opposition on the part of any administration or any natural or legal person invoking an infringement of legal or regulatory provisions, a prejudice, an infringement of a right or a violation of such a right of which your content via the Site is directly or indirectly the origin.

ARTICLE 7 - DURATION - TERMINATION

These GCU apply for an indefinite period.

ARTICLE 8 - PERSONAL DATA - COOKIES

Personal data collected via the Site and Cookies used on the Site are governed by our Privacy Policy, which is fully applicable.

ARTICLE 9 - AVAILABILITY OF THE SITE

Subject to possible maintenance operations, the Site is accessible online 7 days a week and 24 hours a day.

The Site is accessible from any location and to any user with Internet access. All costs incurred in accessing the Site (hardware, software, Internet connection, etc.) are at your expense.

However, given the complexity of the Internet network and the influx, at certain times, of Internet users, SAVETRADE offers no guarantee of continuity of service and may not be held liable in the event of temporary impossibility of accessing all or part of the Site. No compensation will be due as a result.

For the proper management of the Site, SAVETRADE reserves the right to modify the information and content of the Site at any time, to suspend, interrupt or limit all or part of the access to the Site temporarily or permanently, to delete any information that disrupts the operation of the Site or contravenes the regulations in force.

ARTICLE 10 - LIMITATION OF LIABILITY - NO WARRANTY

Access to and use of the Site is at your own risk. THE SITE is provided “as is” and “as available” without warranty of any kind.

It is your responsibility to take all appropriate measures to protect your own data and/or software stored on your telephone equipment against any attack.

You declare that you are aware of and accept the characteristics and limits of the Internet network and, in particular, the functional characteristics and technical performance of the Internet network; problems related to connection and/or access to the Internet network and/or websites; problems related to network availability and congestion; problems related to network failure or saturation; problems related to transit time, access to information posted online, response time for displaying, consulting, querying or otherwise transferring data; risks of interruption; lack of protection of certain data against possible misappropriation or piracy; risks of contamination by any viruses circulating on said networks, etc., for which SAVET is not responsible. for which SAVETRADE cannot be held responsible.

SAVETRADE cannot be held responsible :

  • in the event of any failure, loss, delay or error in the transmission of data that is beyond its control;

  • if you are unable to access or use the Site for any reason whatsoever;

  • if, for any reason whatsoever, the connection should be interrupted.

    Furthermore, SAVETRADE declines all responsibility in the event of misuse of your equipment and/or an incident linked to the use of your equipment when using the Site. SAVETRADE may under no circumstances be held responsible for any damage, of any nature whatsoever, that may be caused to you, your terminals, your computer and telephone equipment and the data stored on them, nor for the consequences that may arise from this on your personal, professional or commercial activities.

    SAVETRADE EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, FREEDOM FROM ERROR AND NON-INFRINGEMENT OF THIRD PARTY INTELLECTUAL PROPERTY RIGHTS WITH RESPECT TO THE SITE AND ITS CONTENT.

    SAVETRADE ACCEPTS NO RESPONSIBILITY FOR ANY LOSS, INJURY, CLAIM, LIABILITY OR DAMAGE OF ANY KIND ARISING FROM THE USE OF THE SITE.

ARTICLE 11 - NON-WAIVER

The fact that one of the parties does not take advantage of a breach by the other party of any of the obligations referred to in these GCU shall not be interpreted for the future as a waiver of the obligation in question.

ARTICLE 12 - INVALIDITY OF A CLAUSE IN THE GENERAL TERMS AND CONDITIONS OF USE

The nullity or impossibility of implementing one of the clauses of these GCU, if it does not significantly affect the contractual balance, will only affect the clause concerned and will not result in the cancellation of these GCU.

ARTICLE 13 - APPLICABLE LAW - COMPETENT COURT

These GCU are governed by French law. Any dispute concerning the interpretation or execution of these GCU, which cannot be settled amicably between the parties, will be submitted to the Paris Court of Justice.

ARTICLE 14 – CONTACT

You may send any questions or comments relating to these GTC to SAVETRADE by writing to the following address: contact@savetrade.com.