The "www.groupeeklozion.com" website (hereinafter the "Website") is published by EKLOZION, a simplified joint-stock company with a sole shareholder and a share capital of €150, registered in the Trade and Companies Register (RCS) of Versailles under 834 234 619, whose registered office is located at 62, boulevard Jean Jaurès in Chatou (78400), France.
EKLOZION provides financial analysis, financial consulting and training in financial and non-financial matters to individuals and professionals (hereinafter referred to as the "Services").

 

The Services offered are those described on the Website, it being specified that this description indicates their basic characteristics.

 

The Services are charged and payable through the Website.

 

Article 1 - Enforceability of the Terms and Conditions of Sale

All orders for Services placed on the Website are subject to these General Terms and Conditions of Sale (hereinafter referred to as the "T&Cs"). EKLOZION reserves the right to adapt or amend these Terms and Conditions at any time; the version of T&Cs applicable to any transaction is the one displayed online on the Website at the time of the order, which shall be stored and reproduced by EKLOZION in accordance with Article 1127-2 of the French Civil Code.

The T&Cs are enforceable against the User, who acknowledges to have read and expressly accepted them before placing any order, by ticking a box provided for this purpose and indicating the following: "I have read and accept the General Terms and Conditions of Sale, the General Terms and Conditions of Use, and the Privacy Policy of EKLOZION".

 

Article 2 - The order, the purchase of Services and the contract

2.1. Steps of the order

Order intake on the Website is subject to compliance with the procedure set up by EKLOZION, which is finalised by a series of steps that the User must necessarily follow to confirm his or her order.

To place an order, the User must first add the chosen Service(s) to his or her virtual shopping basket, then click on the "Order" button and provide his or her payment information.

Before clicking on the "Confirm Order" button, the User will be able to check the details of the order and the total price, and to correct any errors or change the order, before confirming it to indicate his or her acceptance.

To finalise his or her order, the User must:

• read these T&Cs and explicitly agree to them by ticking the box: "I have read and accept the General Terms and Conditions of Sale, the General Terms and Conditions of Use, and the Privacy Policy of EKLOZION";

• confirm the order after checking it;

• choose the payment method;

• pay the amount of the order by clicking on the "Proceed to payment" button giving access to the secure payment of his or her order.

Any order confirmed by the User constitutes a contract of sale and acceptance of all the provisions set forth in the T&Cs.

EKLOZION will send a confirmation email with an order summary to the User. To this end, the User formally accepts the use of electronic mail for confirmation by EKLOZION of the content of his or her order.

Invoices are sent by email.

2.2 Changing the order

Any change made by the User to his or her order is subject to prior acceptance by EKLOZION.

2.3 Refusing the order

EKLOZION reserves the right to refuse any Order for a legitimate reason, in particular in the event of payment difficulties or difficulties related to the provision of incomplete and/or inaccurate information by the User.

2.4. Storage and proof of contract

Communications, purchase orders and invoices are stored on a reliable and durable medium in order to provide a faithful and durable copy. Communications, purchase orders and invoices may be produced as proof of the contract.

 

Article 3 - Price and payment terms

3.1. Price

The price of selling the Services is indicated in euros, all taxes included.

EKLOZION reserves the right to change its prices at any time, but the Services will be invoiced based on the rates applicable upon placing the order.

3.2. Payment

The price is due in full after confirmation of the order.

Payment for purchases is made by:
• Credit card
The User has access to a dedicated space provided by a banking institution, which ensures the security and registration of the payment order.

In case of payment by credit card, the full price is debited as soon as the order is confirmed, after entering the bank details.

The User guarantees that he or she has full capacity and is entitled to use the payment card to settle the Services via the secure payment platform and that he or she has sufficient funds on the account to be debited. In the event that payment of the price is incomplete or non-existent, for a reason attributable to the User, the order will be automatically cancelled and any resulting costs will be borne by the User.

The online disclosure of the credit card number and the final order confirmation shall be equivalent to signing and expressly accepting all transactions performed on the Website and cause the sums incurred for the order to become due and payable.

All transactions made on the Website are secure. The User's banking information is encrypted by the SSL (Secure Socket Layer) system, after which it is processed by the financial partner of EKLOZION.

 

Article 4 - Service delivery time

As from the order confirmation, EKLOZION has a period of:

• 24 hours to deliver the content ordered by the User with respect to training courses;
• 12 calendar days to deliver the content ordered by the User for other services, except those that would require a longer provision period, in which case the User will be informed thereof.

EKLOZION may not be held liable if the non-performance or delayed performance of an obligation results from a case of force majeure (in particular in the event of natural disasters, fires, internal or external strikes, internal or external failure or breakdowns) or from an unforeseeable and insurmountable act by a third party.

 

Article 5 - No right of withdrawal

In accordance with the provisions of Article L. 221-28 of the French Consumer Code, the right of withdrawal may not be exercised by the User (consumer) of the Services, since the Services are performed in full before the end of the withdrawal period and this performance begins before the withdrawal period has expired; moreover, the services involve the provision of digital data not provided in material form, and such provision likewise begins before the withdrawal period has expired, i.e. before the end of the 14-day period laid down in the French Consumer Code.

By accepting these terms and conditions, the User expressly agrees to waive his or her right of withdrawal. Therefore, no request for withdrawal, cancellation and/or reimbursement will be accepted for any order of Service(s).

 

Article 6 - Intellectual property rights of EKLOZION to the content provided as part of the Services

All documents and media provided to the User as part of the Services remain the property of EKLOZION, which alone holds the intellectual property rights attached thereto. The User thus agrees not to reproduce, adapt, modify, translate, represent, market or distribute to third parties said documents and media directly or indirectly, in whole or in part, without the express, prior and written consent of EKLOZION.

 

Article 7 - Donation to an association

EKLOZION has established a partnership with non-profit associations to offer Users the opportunity to make donations of at least €1 to partner associations when shopping online on the Website.

When the donation service is active on the Website, any User is automatically given the opportunity to make a donation to one of the partner associations at the time of confirming his or her order, and before payment.
To give the User freedom of choice, all useful information concerning the various associations and their projects is available to the User on the Website.

The User is free to accept or refuse the donation proposal made to him or her and to choose the donation amount and association that will receive it.
Once the donation has been confirmed, the amount is added to the User's initial order and the total order and donation payment is made in accordance with the conditions set out in the T&Cs and by the Website.
EKLOZION shall transfer the donations thus collected in full to the partner associations.
The partner association will send the corresponding tax receipt directly to the User.

 

Article 8 - Personal data

The terms and conditions of use of the User's personal data and the terms and conditions for exercising his or her rights in this regard are set out in the "Privacy Policy" available at this link Privacy Policy.

 

Article 9 - Customer service

The Website's customer service can be contacted by our contact form or by post at the address indicated in the Website's legal notice.
EKLOZION also provides its Users with a helpline that can be reached by telephone at 07 81 65 93 38 (no additional charge).

 

Article 10 - Partial invalidity

If one or more provisions of the T&Cs are held to be invalid or declared invalid pursuant to a law, regulation or following a final decision of a competent court, the other provisions shall retain their full force and scope.

 

Article 11 - Questions, claims and litigation

In the event of a dispute, the User (consumer) must first contact the customer service by our contact form or by post at the address indicated in the legal notices on the Website.
Should the claim submitted to the customer service be refused, or failing a response from the said service within 2 (two) months, the User (consumer) may submit the dispute relating to his or her order or to the T&Cs he or she wishes to enforce against EKLOZION to the Mediation and Arbitration Centre of the Paris Chamber of Commerce and Industry (CMAP) via the CMAP online form available at the following address: www.cmap.fr/offre/un-consommateur/ or by sending an email to the following address: This email address is being protected from spambots. You need JavaScript enabled to view it.

The mediator shall endeavour, impartially and free from any influence, to bring the parties together with a view to reaching an amicable solution.

The parties remain free to accept or refuse the use of mediation and, in the event of mediation, to accept or refuse the solution proposed by the mediator.

 

Article 12 - Applicable law and competent jurisdiction

The sales contract resulting from each order and the T&Cs governing it are subject to French law.

Failing an amicable agreement under the conditions of Article 11, any dispute relating to the existence, interpretation, conclusion, execution or termination of the contract shall fall within the non-exclusive jurisdiction of the competent courts of the Paris Court of Appeal.

Accordingly, the User may bring proceedings to assert his or her rights as a consumer before the competent courts of the Paris Court of Appeal. The European Commission provides an online dispute resolution platform which the User can access here: https://ec.europa.eu/consumers/odr/

 

A responsible and respectful approach

In order to allow everyone to simply access the information, we have decided to set up a website adapted to everyone, including people with visual disabilities.

For this purpose, the fonts, their size and colour contrasts have been chosen to ensure optimal legibility.

Similarly, the photos and graphic elements have been referenced in order to facilitate reading with software adapted to visually impaired people.

We are particularly vigilant on these points, that is why, do not hesitate to share with us any suggestion or remark which would go in this direction, through our contact form.

 

Contact us

 

The "groupeeklozion.com" website (hereinafter the "Website") is published by EKLOZION, a simplified joint-stock company with a sole shareholder and a share capital of €150, registered in the Trade and Companies Register of Versailles under 834 234 619, whose registered office is located at 62, boulevard Jean Jaurès in Chatou (78400), France.

The Website is hosted by OVH, a simplified joint-stock company with a share capital of €10,000,000, whose registered office is located at 2, rue Kellermann in Roubaix (59100), France, registered in the Trade and Companies Register of Lille under 424 761 419 (phone: +33 (0)9 72 10 10 10 07).

The website publication manager is Nelly Christelle Diawara, in her capacity as company president.

Any Internet user browsing, reading, viewing and using the Website (hereinafter the "User") is deemed to have accepted these general terms and conditions of use (hereinafter the "T&Cs"), which govern the Website's functioning, access, content, the services it offers, and their use.

 

1. Purpose and scope of application

EKLOZION provides financial analysis, financial consulting and training in financial and non-financial matters to individuals and professionals (hereinafter referred to as the "Services"). The Services can be accessed via the Website.

By using the Website and Services, the User fully accepts the Terms, including, but not limited to, the Privacy Policy referred to in Clause 7 (below), and acknowledges their binding nature.
EKLOZION reserves the right at any time to make the changes it deems necessary and useful to these T&Cs and to the Website. All Users are therefore requested to read the T&Cs each time they use the Website and are deemed to have accepted the said amendments when they use the Services.

2. User Account

In order to enjoy full use of the Website, the user must create a user account (hereinafter the "User Account").

The User holding a User Account then has access to the entire Website and all Services, subject to payment of the corresponding price.

All Users may hold only one User Account.

The User guarantees that the information provided for the purpose of creating his or her User Account is true and accurate.

The User certifies that he or she is at least 18 years old at the time of creating his or her User Account.

The User accepts and acknowledges that he or she is responsible for maintaining the confidentiality and personal nature of the username and password associated with his or her User Account. Accordingly, the User accepts to be solely liable to EKLOZION for all activities performed under his or her User Account and for the protection of his or her password. If the User becomes aware of any unauthorised use of his or her password and/or User Account, he or she shall inform EKLOZION thereof without delay by the contact form.

 

3. User's obligations and liability

The User shall not create, publish, display or make available via the Website any content that:
• is unrelated to the company's purpose referred to in Article 1;
• is false, inaccurate or misleading;
• is likely to infringe the privacy, secrecy of correspondence or image rights of other Users or third parties;
• contains personal data without the prior authorisation of the data subject;
• constitutes a value judgment or sensitive information, i.e. including references to the ethnic or racial origins, political or religious or philosophical opinions, trade union membership, health and/or sex life of individuals;
• is likely to constitute a breach of the inviolable character of human dignity (discrimination, insult, incitement to hatred, violation of human integrity or dignity in general, etc.);
• is likely to constitute a criminal offence;
• contains information that is defamatory, abusive, racist, negationist, homophobic, obscene, sexual, paedophilic, pornographic or inciting to hatred, murder or suicide or to the perpetration of any other criminal offence (including fraud);
• is likely to constitute a breach of any confidentiality commitment to which the User may be subject;
• is likely to impair the integrity, functioning and availability of the Website, in particular (i) by the perpetration of computer fraud, the introduction of viruses, the bulk sending of spam or other unsolicited promotional material, (ii) by unauthorised access to the Website or (iii) by the fraudulent collection of personal data.

Moreover, the User acknowledges that he or she has the necessary skills and resources to access and use the Website. In this respect, he or she acknowledges that he or she has checked that the computer configuration used does not contain any viruses and that it is in perfect working order.

EKLOZION makes every effort to provide Users with available and verified information and/or tools, but cannot be held laible for errors, lack of availability of information and/or the presence of viruses on the Website.

The Website can be accessed 24 hours a day, 7 days a week, in principle. However, EKLOZION may not be held liable for any interruptions in the Website and Services, whether or not such interruptions are voluntary. In addition, for maintenance purposes, EKLOZION may interrupt access to the Website and/or Services and will endeavour to inform Users thereof in advance.

 

4. Intellectual Property

The general structure of the Website as well as the texts, fonts, animated or still images, sounds, newsletters, press releases, presentations, brochures, illustrations, drawings, graphics, photographs, computer programs, and audiovisual content reproduced therein are the exclusive property of EKLOZION.
Any reproduction, representation, publication, transmission, use or modification, in whole or in part, of the Website and/or any of its elements, carried out without the prior written consent of EKLOZION, would constitute an infringement likely to result in civil and/or criminal proceedings.

The trademarks and/or distinctive signs of any kind (including corporate names, trade names, signage and/or domain names) of EKLOZION and/or its partners, as well as the logos appearing on the Website, are the exclusive property of EKLOZION.
Any total or partial reproduction of these brands, signs or logos using the elements of the Website, without the express prior authorisation of EKLOZION, is strictly prohibited.

 

5. Privacy Policy

Before downloading or providing any personal data to the Website or through the Services, the User is requested to carefully read the Privacy Policy available by clicking here. Unless the express consent of the User is required in accordance with the applicable personal data protection regulations, by transferring or providing any personal data on the Website, the User agrees to be bound by EKLOZION's Privacy Policy

 

6. Duration and termination

The User's registration or subscription to one or more Services will take effect upon successful completion of the registration or subscription process. The T&Cs, as well as any published amendments to the T&Cs, will remain in full force and effect for the entire duration of use of the Website and the services.

In the event of failure by the User to comply with his or her obligations as defined by these T&Cs, EKLOZION reserves the right to immediately terminate his or her User Account, whether temporarily or permanently, and to deny him or her access to the Services.

The User may request the termination of his or her User Account at any time by contacting us via:
• post: EKLOZION Customer Service - 62 Boulevard Jean Jaurès 78400 CHATOU
• contact form

 

7. Hyperlinks

EKLOZION declines any responsibility for the use by Users of any hyperlinks included in this Website and directing to other resources on the Internet.

Users may not establish a deep link to the Website without the prior written consent of EKLOZION.

 

8. Cookies

A cookie is a text file that may be stored on a device when a service is viewed using a browser (hereinafter referred to as "Cookie(s)"). A Cookie allows its issuer to recognise the device in question whenever such device accesses digital content containing Cookies from the same issuer.
The Website uses the following cookies:

The User has several solutions to manage his or her choices regarding Cookies:
• The User's browser can be configured to notify him or her of the Cookies stored on his or her device and to ask him or her to accept or refuse them, on a case-by-case basis, or to refuse them systematically.
• The User can configure the Cookies on the Website directly via the banner displayed. He or she can thus accept, customise or prohibit all Cookies via the Cookies control panel.
The storage period for information collected on the User's computer by Cookies placed by EKLOZION is twelve (13) months from the time of browsing.

9. General provisions

No delay or failure by EKLOZION to exercise a right or provision set forth in these T&Cs shall constitute a waiver of such right or provision.
If any specific provision of the T&Cs is unenforceable or invalid, the remaining provisions of the T&Cs shall remain in full force and effect.
The T&Cs are not assignable or transferable, and may not be sublicensed by the User.
The rights acquired by EKLOZION under the T&Cs may be freely assigned or transferred or licensed by EKLOZION, without restriction, with the exception of data relating to Users within the limits of compliance with these T&Cs and the Privacy Policy.
The section titles in these T&Cs are for information purposes only and have no legal or contractual value.

 

10. Contact information

The User may contact EKLOZION in the event of any questions or comments about these T&Cs by contact form.

 

11. Applicable law - Competent jurisdiction

These T&Cs are governed by French law.

In the event of a dispute between a User and EKLOZION, the dispute shall be brought before the competent courts of Paris, notwithstanding multiple defendants or the introduction of third parties.

 

Article 1 - Personal Data Controller

EKLOZION, a simplified joint-stock company with a sole shareholder and a share capital of €150, registered in the Trade and Companies Register (RCS) of Versailles under 834 234 619, whose registered office is located at 62, boulevard Jean Jaurès in Chatou (78400), France, records and uses the personal data provided by users (hereinafter the "User(s)") of the "groupeklozion" website (hereinafter the "Website").

 

Article 2 - Personal data subject to processing

The personal data processed are:

- data requested from the User and provided by him or her when registering on the "Website", placing orders or as part of the after-sales service and the order numbers;
- data published by the User when completing any form on the Website;

or the following personal data:

- the User's contact details (surname, first name, e-mail address, postal address, telephone number, e-mail address, telephone number;
- purchases made, donation made to an association;
- banking details, in case of subscription to a paid service;
- information about the User's connection (IP address, browser);

hereinafter the "Personal Data").

The User is informed on each Personal Data collection form of the mandatory or optional nature of the information via an asterisk.

 

Article 3 - Purposes of the Personal Data processing

Personal Data is collected and processed on the basis of (i) the User's consent – he or she ticks a box to this effect when registering on the Website, or (ii) the service provision contract for purposes of managing orders placed on the Website and, if the User has consented to it, for purposes of providing the User with information on EKLOZION's offers.

 

Article 4 - Recipients of Personal Data

The Personal Data collected is reserved for the use of EKLOZION and its contracting partners who are involved in the management of the Website and services (Website host, payment service providers, financial advisors, partners).

 

Article 5 - Period of Personal Data retention

EKLOZION keeps the Personal Data for the period necessary to perform the services provided by it and for a period of 5 (five) years from the last service provided, except for (i) login information, which is kept for 13 months and (ii) banking details, which are deleted immediately unless a transaction is challenged, in which case they are archived for 13 months.

Personal Data may be retained for longer periods of time in the event of a dispute.

Once these time limits have expired, the Personal Data are deleted or anonymised.

 

Article 6 - Personal Data Transfer and Security

EKLOZION may transfer Personal Data to subcontractors or partners located outside the European Union. In such a case, it shall always ensure that the processing is legally supervised to guarantee an adequate level of protection of the privacy and basic rights of individuals.

As controller, EKLOZION takes all measures to guarantee the security and confidentiality of Personal Data and, in particular, to prevent such data from being damaged or accessed by unauthorised third parties.

To this end, it ensures the physical security of the buildings housing its computer systems, the security of its information system, and the monitoring of personal data flows. In addition, it ensures that its subcontractors comply with the measures aimed at protecting the Personal Data they process in the name and on behalf of EKLOZION.

 

Article 7 - Rights of the User and exercise of these rights

In accordance with the applicable legal and regulatory provisions, the User has:

- a right to information on how EKLOZION processes its Personal Data and regarding his or her rights;
- a right to access his or her Personal Data held by EKLOZION, it being specified that clearly unsubstantiated, excessive or repeated requests are likely to receive no reply;
- a right to rectify inaccurate or outdated Personal Data;
- the right to withdraw his or her consent to process Personal Data;
- a right to Personal Data portability, i.e. the right to copy or transmit Personal Data from EKLOZION's database to another company, but only with regard to the Personal Data he or she has provided EKLOZION with his or her consent and which has undergone automated processing;
- a right to request the limitation of processing in the cases provided for by regulations, i.e. when:
- the User challenges the accuracy of the Personal Data for a period of time allowing EKLOZION to check the accuracy of the Personal Data;
- the processing is unlawful and the User objects to their deletion but instead demands that their use be limited;
- EKLOZION no longer needs the Personal Data for the purposes of processing, but they are still necessary for the establishment, exercise or defence of the User's legal rights;
- a right to define general and/or specific guidelines regarding the fate of his or her Personal Data and how the User would like his or her rights to be exercised after their death. In this respect, in the event of death brought to the attention of EKLOZION, the Personal Data will be deleted, unless it is necessary to keep it for a specific period of time for reasons relating to our legal and regulatory obligations and/or legal limitation periods, and after having been communicated, where applicable, to a third party possibly designated by the User.

The User may exercise his or her rights as defined in this article by sending an e-mail thanks to our contact form.

In the event of a dispute, the User is informed that he or she may file a complaint with the Commission nationale de l'informatique et des libertés (CNIL).