Legal information and privacy policy

Legal Information

This website : www.factor-premium.net is operated by Louis Maréchal, Managing Director of Factor Premium.

17 rue du Colisée
75008 Paris

Contact mail : direction@factor-premium.net

SIRET Number : 83367675200029
APE Code : 8299Z

Publishing director

Conditions of use

• Intellectual property rights

Subject to the rights of its partners, the content of the Site is the exclusive property of the Publisher and is protected by French and international intellectual property laws. This property right includes, where applicable, the databases on the Site, which are protected by the sui generis right of database producers.

The elements of the site, as a whole or in part, may not be used, transformed, translated, adapted, reproduced or exploited, in whole or in part, without the express authorisation of the publisher, under penalty of criminal prosecution. This means in particular that users of the Site may not download or copy and paste such content, unless expressly authorised by law or by the Publisher.

• Hypertext links
  

The Site may provide hypertext links to other sites belonging to the same publisher or to third parties. It is the user’s responsibility to consult the legal notices of these sites and to comply with any conditions of use.

Under no circumstances can the publisher be held responsible for information published on sites to which hypertext links on its site refer, or for damage of any nature whatsoever resulting from access to such sites.

If anyone refers users to this site, the publisher reserves the right to request the removal of the hyperlink referring to this site if it considers that this link is not in accordance with its rights and legitimate interests.

• Credits :

The website was designed by Alexandre Ragois, www.alexandre-ragois.com.
The photographs on the site were supplied by Factor Premium and are not free of rights.

• Embedded content from other websites

Articles on this site may contain embedded content (e.g. videos, images, articles, etc.). Embedded content from other sites behaves in the same way as if the visitor were visiting that other site.

These sites may collect information about you, use cookies, embed third-party tracking tools, and track your interactions with this embedded content if you have a logged-in account on their site.

Privacy Policy

1 – DEFINITIONS

Last update on 28/05/2024

The ‘Company‘ or ‘we‘ refers to Factor Premium – operating as a « Société à responsabilité limitée à associé unique » whose SIRET number is 83367675200029 and whose registered office is at 17 rue du Colisée, 75008 Paris.
The ‘Site‘ refers to the website accessible via the URL factor-premium.net and any sub-sites providing access to a content consultation area, a customer-only area, etc. provided by the Company.
‘You‘ refers to the persons concerned by the processing carried out on the site (users, prospective customers, clients, etc.).
The ‘Policy‘ refers to this Privacy Policy.

« Data » means any information relating, directly or indirectly, to an identified or identifiable natural person (the « Data Subject »), in particular by reference to an identifier (name, identification number, location data, online identifier, etc.) or to one or more factors specific to that person’s identity.
Processing » refers to any operation applied to data (collection, recording, organisation, storage, adaptation, communication by transmission, dissemination, deletion, etc.).
‘Controller‘ is the person who, alone or jointly with others, determines the purposes and means of the processing, and a ‘processor’ is the person who processes data on behalf of the controller. On the Site, unless otherwise stated, we are the controller.
‘Recipient‘ is the natural or legal person, public authority, department or any other body that receives personal data, whether or not it is a third party.

The « Regulations » means Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data (« RGPD »); Law No. 78-17 of 6 January 1978 on information technology, files and freedoms; the rules applicable to commercial canvassing as set out in the French Post and Telecommunications Code and, more generally, the laws and regulations applicable to the processing of data that we carry out.

2 –SHOWCASE WEBSITE AND SALES PROSPECTING

The Site presents the activities of our company and includes a contact form. By filling in the form and communicating with us via the Site, you send us the following categories of information
Identity data: surname; first name.
Contact and correspondence data: age; city; company name; number of partners; annual turnover/sales; annual remuneration; salary; status; e-mail address; telephone number; content of your request.
Consulting and contribution data: pseudonym; content of the advice. The Company may enrich its site by collecting and republishing the opinions and contributions made by its customers in relation to its offers on other sites (in particular social networks, Google Worksheet, etc.) if these contributions are freely accessible to the public.

All of these information are used to manage commercial canvassing will be kept for a maximum of three years from the last active contact with the prospect or customer, or sooner if you withdraw your consent to receive communications from us. Notice and contribution data is kept for as long as the notice is publicly available on the site.

In accordance with our legal obligations, identity and contact data will also be processed for the following purposes:

• Updating of its canvassing files by the organisation responsible for managing the telephone anti-solicitation list, pursuant to the provisions of the French Consumer Code.
• Management of requests for rights of access, rectification and opposition, and more generally of the rights described in the Policy.

3 –SOCIAL NETWORKS AND THIRD-PARTY WEBSITES

Exchanges on social networks We may contact you or answer your questions via social networks, if you have first contacted us in this way. You are informed that the use of social networks involves the processing of personal data by the providers of these networks (see their confidentiality policy).

Public information The information about you that you have sent us may be supplemented for commercial, canvassing, communication, solicitation or marketing purposes by means of other sources of information such as social networks. This includes so-called ‘public’ information or information to which we may have access as administrator of a page or group. The legal basis for this processing is our legitimate interest as a commercial company.

Interconnection In the event that your member area is able to connect to another service (for example, a social network) for the purpose of cross-posting, then the third party service may provide us with information that you have authorised to be disclosed. You are informed that the publishers of third-party services may also collect information concerning the consultation and/or use of the Site, in accordance with their own personal data processing policy.

4 – EXERCISING YOUR RIGHTS

For any request to exercise the aforementioned rights or for further information, you may contact the Company by post at the address of the Company’s registered office indicated at the top of this page.

In accordance with the regulations, you have the following rights with regard to your Data:

• Right of access to your Data, including the right to request a copy, and to the information provided in this privacy policy (art. 15 RGPD). Where the lawful basis for processing data is our legitimate interests, you have the right to request information about the balancing we have carried out between the interests of our customers and those of the Company prior to such processing.
• Right to rectify (art. 16 RGPD) and update your data held by us.
• Right to erasure of your Data (art. 17 RGPD) when the data is no longer necessary for us, you have withdrawn your consent to its Processing (if it was based on our consent) or you object to Processing based on our legitimate interest or to Processing carried out for canvassing purposes or for profiling purposes related to canvassing.
• Right to limit Processing, which, unless there are compelling reasons, may only be implemented with your consent (art.18 RGPD) when:
  • You dispute the accuracy of the data, for the time necessary to verify it,
  • If the data processing is unlawful but you object to the deletion of the data and opt instead for the restriction of processing,
  • If we no longer need the data but it is still necessary for you to establish, exercise or defend your legal rights.
  • When you have objected to processing based on our legitimate interest, for the time necessary to balance our respective interests.
• Right to portability of Data directly provided by the data subject where it is subject to automated processing based on your consent or on a contract (art. 20 GDPR). This right means that you have the possibility of requesting the communication of this data in a structured, commonly used and machine-readable format so that it can be communicated to another data controller.
• Right to object (art. 21 GDPR) to the Processing of your Data where such Processing is lawfully based on our legitimate interest.
• The right to define the fate of your Data after your death (art. 40-1 of law 78-17 of 6 January 1978) and to choose a trusted third party to whom the Company should entrust it.
• Right to withdraw your consent at any time (art. 13-2c RGPD) for all data processing based on the legal basis of your consent. In addition, with regard to commercial canvassing, you have the option of unsubscribing from our mailing lists at any time by clicking on the unsubscribe link in our communications or by contacting us if you no longer wish to receive solicitation messages.

You can also obtain more information on the CNIL website.

In the event of a request, the Company reserves the right to ask you to specify your request and to provide proof of identity (which will be kept for one year in the event of exercising the right of access or rectification and three years in the event of exercising the right of opposition). If you are not completely satisfied with our response, you can always lodge a complaint with the authority responsible for controlling and protecting your personal data (in France, the CNIL).

5 – CONSERVATION PERIODS

Commitments. Means for the effective deletion of Data are put in place as soon as the retention or archiving period necessary for the fulfilment of the purposes determined or imposed is reached, in particular after deletion of your account with our Company or at the end of the contract with our Company.

Minimisation. In any event, the Data subject to Processing is not kept beyond the time necessary to fulfil the obligations defined when the contract was concluded, or imposed by the legislation in force. Beyond that time, it may be rendered anonymous and kept for statistical purposes, in particular in aggregate form.

Disputes. Similarly, we may archive information demonstrating the performance of our contractual obligations until the expiry of the limitation/forclosure periods applicable to legal proceedings, in order to defend our interests properly before the courts in the event of subsequent litigation. This applies in particular, but not exclusively, to the periods stipulated in the French Commercial Code, the French Civil Code and the French Consumer Code.

6 –Recipients of the data

Undertakings. We undertake to ensure that any Data Recipient presents sufficient and appropriate contractual guarantees to respect your rights, so that the processing meets the requirements of the GDPR where this regulation applies (in particular with regard to subcontracting). On the basis of our legal obligations, your Data may be disclosed in application of a law, regulation or by virtue of a decision by a competent regulatory or judicial authority.

The information you provide to us is for internal use by authorised persons. It is strictly confidential and may not be disclosed to third parties, except under the conditions provided for by the Regulations in the event of express agreement or if you have decided to make it public.

Subcontracting. Our external service providers (e.g. suppliers, carriers, etc.) may, in the context of the processing described above, receive personal data when this is necessary for the performance of their task.

Transfers outside the EU. We undertake to ensure compliance with the applicable regulations relating to the transfer of data to countries outside the European Union, in particular as follows:

• Aggregation of non-personal data. We may publish, disclose and use aggregated information (information relating to users of the site, prospects, customers, etc.) which we combine in such a way that no natural person is individually identifiable. This processing is carried out in accordance with our legitimate interest for statistical purposes, sector and market analysis, presentation of our activities, promotional and advertising purposes and other commercial purposes.

• If the country of destination does not have an adequate level of protection, we use transfer tools that comply with the regulations (in particular the European Commission’s standard contractual clauses).

•  

  We will transfer the data of visitors, prospects and customers to countries recognized as offering an adequate level of protection;

7 – INFORMATION SECURITY

Commitments. We undertake to implement appropriate technical and organisational measures using physical and logistical security measures to limit the risks of accidental, unauthorised or illegal access, disclosure, alteration, loss or destruction of your personal data.

Warning. We invite you to remain cautious about what you decide to make public on the Internet. This applies to personal data , including data relating to your private or sensitive life , made public at your initiative or deduced from your contributions, comments and statements of any kind whatsoever on the Site, or on social networks in groups and/or conversations with other users of the Site.

Https protocol. The URL address of the Site is accompanied by a closed padlock or a key appears in the bottom right-hand corner of your browser indicating the existence of the Https security protocol, applicable to data storage in particular. This means that you are in a secure browsing zone, particularly when you are asked for your bank card number.

Data breach. In the event of an event leading to the risk of modification, disappearance or unauthorised access to Data, we undertake to :

• Examine the causes of the incident;
• Take the necessary measures to limit the negative effects and harm that may result from the incident;
• Notify the competent authority and/or the persons concerned of the incident as soon as possible where this is required by law.

Under no circumstances may the undertakings set out in the above point be assimilated to any admission of fault or responsibility for the occurrence of the incident.

8 –GENERAL INFORMATION

Mandatory or optional nature. On the Site, you are informed of the compulsory nature of the answers by the presence of an asterisk or any other type of mention. In the event of an incomplete request (for example: online registration or order, request for information, etc.), the Company reserves the right to request additional information or to use any technical means to prevent the form concerned from being validated.

Hypertext links. The Site may provide links to sites, applications and services other than its own, which may be operated by third-party companies. We are not responsible for the processing of personal data carried out by these third party sites, or the sites linking to the Site, whose personal data protection policies the user is invited to consult for further information. The Policy applies solely to the activities of the Company, which may not be held liable for the failure of a third party to comply with its obligations in terms of the protection of personal data.

Scope of application. The Policy is not exhaustive of all processing operations and we reserve the right to supplement it by any means.

Language. The Policy is written in French. If it is translated into one or more languages, only the French text will be deemed authentic in the event of a dispute.

Non-waiver. The temporary or permanent non-application of one or more clauses of this Policy shall not constitute a waiver of the other clauses of this Policy, which shall continue to have full effect.

Modifications – Updates. We reserve the right to modify this confidentiality policy. The persons concerned will be notified where this is provided for by the applicable regulations. The date of the update is indicated in the header and we invite you to consult it regularly.

Cookie information and composition

Presentation: Cookies and tracers (hereinafter referred to as ‘cookies’) are connection cookies and, more generally, any file – deposited when a website or mobile application is consulted, or when software is installed or used on the user’s terminal equipment – whose purpose is to read or write information to this equipment. Cookies enable us to collect Site consultation data (IP address, Internet access provider, hardware configuration, software configuration, browser type and language, etc.).

Cookies may be placed by the Company or by third-party companies without your consent when they are strictly necessary for the operation of the Site or to facilitate communication with the online public, for example when they are used for authentication, to store the contents of a shopping basket, to generate visitor statistics, or to limit free access to a sample of content requested by users.

Duration : Cookies are kept for a maximum of 13 months after they are first placed on your terminal, and this period is not extended with each visit.

Consent to the deposit of cookies : You are informed of the presence of non-strictly necessary cookies by an information banner on the Site. With the exception of cases of use not subject to consent, cookies and tracers will only be deposited on your terminal with your express agreement. You may be asked periodically to reiterate your consent, to ensure that it is still valid.

Setting cookies : You always have the option of changing your preferences directly via your browser settings (Firefox with enhanced protection against tracking; Firefox with cookie deletion; Chrome; Internet Explorer; Safari ; Opera; Microsoft Edge). You can also configure your terminal’s browser to activate the ‘Do Not Track’ option, which will indicate to the sites visited, advertising agencies or applications that you do not wish to be ‘tracked’. This function is available for the following browsers in particular: Firefox; Chrome; Internet Explorer ; Safari; Opera; Microsoft Edge.

If you refuse to accept cookies that are not essential to the operation of the Site: Certain functions on the Site, such as video players or interactive content, use services provided by third parties and deposit cookies that enable them to identify your viewing of the content.If you refuse to accept these cookies, the personalisation functions will not work and the content offered to you (in particular suggested videos or advertisements) will still be present but will not be linked to your areas of interest.

List of cookies :

Types of cookies used on the site.