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Any access and/or navigation and/or use of the FineDia Ltd® website(s) shall constitute express and unconditional acceptance of these General Conditions of Use.
If you do not accept these Terms of Use, you must log out of the Website immediately.
For the purposes of these Terms of Use, the terms "you", "your" and "user" mean any person who accesses, attempts to access or has accessed any material,
of any kind, a page of the website accessible via the main domain name https://finedialtd.com/
FineDia Ltd is a member of the Fonds de Garantie des Dépôts et de Résolution (FGDR) and contributes to the Fonds de Résolution Unique (FRU). The deposits collected by FineDia Ltd in the form of fixed-term deposit accounts and the securities it holds are covered by security mechanisms under the conditions and modalities set out in Articles L. 312-4 et seq. of the French Monetary and Financial Code (Code monétaire et financier).
ACTIVITIES
FineDia Ltd is authorized to grant consumer credit in the form of repayment loans to private customers in Europe, to act as an insurance intermediary and to distribute to its borrowers voluntary insurance policies covering the risks of death, disability and job loss, to receive publicly repayable funds in the form of term deposits, to accept orders for third parties and to forward (RTO).
The FineDia Ltd offers accessible for consumer credit: to solvent, adult private customers residing in Europe and for the investment product: to "professional" investors within the meaning of Article D533-11 of the French Monetary and Financial Code (Code Monétaire et Financier), who have an account with a bank in the European Economic Area.
In accordance with the IT and Freedoms Act, we inform you that the answers to the questions marked with an asterisk are mandatory, while the remaining answers are voluntary. In case of non-response, the loan may be rejected. This information, as well as any information about you already known or subsequently known to the lender, is intended for the FineDia Ltd® teams responsible for processing it for the granting, management and collection of the credit, for their commercial actions, including by electronic means , to use and to comply with legal and regulatory obligations, in particular for the file of personal loan defaults (FICP), the fight against terrorist financing and money laundering, the assessment of credit risk..
Some processing may be outsourced to an operator based in a member state of the European Union. In this case, this operator will be obliged under a data transfer agreement that makes it possible to guarantee the security and confidentiality necessary to protect privacy and fundamental rights and freedoms.
In no case will the personal data provided be passed on to FineDia Ltd® private lenders. You have a free right to object to the use of your personal data for commercial advertising purposes by contacting the consumer service Borrower Service "FineDia Ltd" Europe.
You have the right of access, rectification and objection to this department and, regarding the FICP, at a bank counter. Any false or irregular report may be subject to special processing aimed at preventing fraud.
PERSONAL DATA
As part of the granting of consumer credit and offering investment services, FineDia Ltd may collect and process some of your personal data. By using the Platform and carrying out a simulation, you acknowledge and accept the processing of your personal data by FineDia Ltd in accordance with applicable law, in particular Regulation (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016, and the provisions of the privacy policy.
INFORMATION AND NEWSLETTER
To keep you informed about our news and the benefits you can enjoy, you can receive offers from our company by electronic means (email or SMS). If you do not want to receive offers and information from FineDia Ltd, you can opt-out when making your request or update your preferences at any time. You can also change the frequency of sendings or unsubscribe from receiving certain of our programs at any time directly from the FineDia Ltd emails you receive (unsubscribe link at the top of each email sent). You may receive emails asking you to upload documents to the document upload interface or to provide additional information related to the loan application submitted on our website. This communication is based on FineDia Ltd' legitimate interest in the management and business relationship with its customers and potential customers and does not require your prior consent.
COOKIES
What is a cookie?
A cookie is a file that is downloaded to your computer, tablet or mobile phone when you visit a website. Cookies store and retrieve information about your browsing habits and the device from which you browse and, depending on the information they contain, can help recognize you as a frequent user or customer.
What types of cookies are there on our site?
• Technical cookies: They allow the management of activities strictly related to the functioning of the website. FineDia Ltd uses them anonymously for statistical purposes (number of page views, time spent on the site...) or to offer you an optimized experience (navigation language, detection and correction of an anomaly on a specific browser...).
Third-party cookies: FineDia Ltd works with several partners who use cookies anonymously to provide FineDia Ltd with statistics about the origin of visitors or their browsing behavior. FineDia Ltd uses them to improve the performance of its website and advertising campaigns.
How to delete cookies?
If you wish, you have the option to block the use of cookies at any time in your internet browser settings (usually in the Security and Privacy section).
ARTICLE 1. LEGAL NOTICES
In accordance with articles L 519-1 et seq. of the Monetary and Financial Code, FineDia Ltd® is registered in the file of banking and financial lawyers.
Activities of insurance agents and brokers. The company is regulated by the Financial Services Authority and the Contrôle Prudentiel et de Résolution. Has a liability insurance policy for the profession of BVI/bank clerk.
OUR PARTNERS
The list of our financial partners' industries to which we may share your information with your consent is available.
In partnership with: CREATIS - 61 avenue Halley - Parc de la Haute Borne - 59650 VILLENEUVE D'ASCQ - Information about the activity as an insurance broker - Partners: AFI ESCA, APRIL, METLIFE, CARDIFF, MUTLOG...ect
HSBC France Partner is authorized as a credit institution and provider of investment services by the Autorité de Contrôle Prudentiel et de Résolution (61, rue Taitbout, 75436 Paris) and supervised by this authority and the Autorité des marchés financiers (17 Place de la Bourse - 75002 Paris) SIREN : 775 670 284 RCS Paris
CA-Consumer Finance - Rue du Bois Sauvage - 91 038 Evry Cedex - RCS 542 097 522 RCS EVRY - SYGMA Banque - 66 rue des Archives - 75003 Paris - CFCAL - Crédit Foncier et Communal d'Alsace Lorraine - 1 rue du Dôme - 67003 STRASBOURG - GE Money Bank - Tour Europlaza - 20 avenue André-Prothin - 92063 Paris La Défense Cedex
Tour Franklin, TSA 73100, 92919 Paris La Défense Cedex - Genworth Assurances, trading name of the French branches of FACL (479 311 979 RCS Nanterre) and FICL (479 428 039 RCS Nanterre) - Financial Assurance Company Limited (FACL) and Financial Insurance Company Limited (FICL) are life and general insurance companies registered in the United Kingdom under numbers 4873014 and 1515187 - Registered office: 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom - Regulatory authority Financial Services Authority (FSA): 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom.
CGI - CGL: CGI - CGL - CGI is a trademark of CGL. - CGL: Compagnie Générale de Location d'équipements SA with a capital of EUR 58,606,156 - SIREN 303 236 186 RCS Roubaix/Tourcoing Head office: 69, Avenue de Flandre - 59708 MARCQ EN BAROEUL Cedex BNP Paribas Personal Finance, (Credimedia is a member of RC channel 28 at BNP PF) - 1, Bd Haussmann - 75009 Paris.
GE Money Bank : GE Money Bank - SCA au capital de 594 078 024€ - Siège social: Tour Europlaza - 20, avenue André-Prothin - 92063 Paris La Défense Cedex - N° 784 393 340 RCS Nanterre. Insurance intermediary registered under number 07 023 998 CGI - CGL - 69, Avenue de Flandre - 59708 MARCQ EN BAROEUL Cedex
MetLife Europe Limited and MetLife Europe Insurance Limited, Metlife Europe Limited Italy Branch, Metlife Europe Limited Portugal Branch, Metlife Pension Trustees Limited - Company incorporated under the laws of Ireland, incorporated as a Designated Activity Company, registered in Ireland under number 472350. Branch for France 100 Esplanade du Général de Gaulle, 92400 Courbevoie. 798 956 314 RCS Nanterre.
MetLife Europe dac and MetLife Europe Insurance dac: 20 on Hatch, lower Hatch Street, Dublin 2, Ireland. MetLife Europe dac and MetLife Europe Insurance dac (both trading under the trading name MetLife) are regulated by the Central Bank of Ireland.
Genworth Assurances' products are distributed in this context by GE Money Bank, acting as an insurance intermediary registered under number 07 023 998 (web address of the registration register: www.orias.fr) through Assurances France Loisirs SARL with a capital of €7,500 - 417 934 184 RCS Paris - 123 Bd de Grenelle - BP 6 - 75015 Paris - registered insurance intermediary under number 353 713 803. Internet address of the registration register www.orias.fr.
FineDia Ltd® -All rights reserved / REGISTERED TRADEMARK FineDia Ltd® SARL unipersonnelle - Simplified joint stock company - Date of RCS registration on 02/28/1990 INTERMEDIARY IN BANKING OPERATION as a non-exclusive agent for banks. Our professional liability and financial guarantee insurance complies with Articles L 512-6 and L 512-7 of the Insurance Code and Article L341-1h-III of the Monetary and Financial Code.
ARTICLE 2. ACCESS
The equipment (computers, software, means of telecommunications, etc.) allowing access to the content of the website is at the sole responsibility of the user, including the telecommunications costs arising from their use.
ARTICLE 3. PROTECTED RIGHTS
The entire content of this website, including but not limited to the architecture, texts, photographs, illustrations, software..., is the property of FineDia Ltd®, its technical service providers or its licensors. All usage rights are reserved. In accordance with Article L.122-4 of the Intellectual Property Code, any representation or reproduction, in whole or in part and by any method whatsoever, without express authorization is unlawful and constitutes a forgery, pursuant to Articles L.335-2 et seq. of the Code is penalized over intellectual property. FineDia Ltd® and the various logos used are registered trademarks, the reproduction of which would also constitute a counterfeit.
ARTICLE 4. PRIVACY PROTECTION - COLLECTION AND USE OF PERSONAL DATA
The consideration of the request made by a duly identified person and whose data is processed under the responsibility of FineDia Ltd® will take place as quickly as possible. FineDia Ltd® points out that certain information that does not constitute personal data and does not allow FineDia Ltd® to identify you may be stored by our servers (browser used, IP address, ...)
In addition, connecting to our web server may result in small files being sent to your browser, which are stored on your computer's hard drive. These are "cookies" that store information about your computer's navigation on our website (the pages you have visited, date and time of access, etc.) and that we can retrieve on your subsequent visits to the website We can create reliable statistics about the number of visitors and improve the quality of the website and its usefulness for you.
Your browser contains a function that allows you to reject cookies (see the modalities specified on the CNIL website www.cnil.fr). This will not prevent your connection to our website, but may delay page loading times.
ARTICLE 5. Law on Informatics and Freedoms
Our commitment to the confidentiality of submitted information is summarized in our Privacy Policy.
The information collected in the various phases of our form will only be used and communicated externally as part of the search request you have given us. In accordance with Article 32 of the Law of January 6, 1978 on Informatics and Freedoms, this information is mandatory to carry out the processing of your financing application.
You have the right to access, correct and object to the data concerning you by contacting "FineDia Ltd®" via email <customer.service@finedialtd.com> Customer Service in Europe. FineDia Ltd® informs you that the use of this personal data has been registered with the French data protection authority CNIL (Commission Nationale Informatique et Libertés).
ARTICLE 6. LIMITATIONS OF LIABILITYÉ
Despite our efforts to maintain the quality of the information on the FineDia Ltd® website(s), we cannot guarantee their accuracy or completeness.
We cannot therefore be held liable for any information or results obtained from the use of this website.
The results of our simulation tools and our own website, subject to acceptance of your documents, are non-binding and do not in any way constitute a contractual obligation. Unless there are obvious errors, only the information contained in the preliminary credit offer sent to you by one of our financial partners will be considered binding.
ARTICLE 7. CHANGES TO THE TERMS OF USE
FineDia Ltd® reserves the right to modify or develop the pages of the website or these General Conditions of Use at any time. These changes will be effective as soon as they are posted on the website. Users are therefore advised to consult the version permanently available online on the website. The presence of the user on the website means that he/she fully accepts these General Conditions of Use and any revisions or modifications.
SECURITY
Please note that the secrecy of private correspondence on the Internet cannot be guaranteed. In addition, it is the responsibility of every Internet user to take all appropriate measures to protect their own data and/or software from contamination by possible viruses circulating on the Internet.
