This privacy statement applies to the use and processing of personal information collected and used by Fortier Finance SASU. This privacy policy applies to our use of all data collected by us or provided by you in relation to website and / or mobile application or otherwise providing your personal information to Fortier Finance, you agree to collection, use and sharing of your information in accordance with this privacy statement.

Please read this privacy statement carefully and contact us at [email protected] if you have any questions.

Definitions & Terminology

In this privacy policy, the following definitions are used:

Fortier Finance SASU: a company incorporated in France with the registration number 841 648 975 whose registered office is 5 Quai des deux Emmanuel, 06300, Nice.

Data: collectively all information that you submit to Fortier Finance via website, email and post.

GDPR: The General Data Protection Regulation (GDPR) applies to the processing of personal data of personal data of individuals within the European Union (EU) and the European Economic Area (EEA).

Cookie law: is primarily governed by the ePrivacy Directive (2002/58/EC), which has been implemented in each European Union (EU) member state. Fortier Finance will follow French law.

In this statement, the terms “us” or “we” refer to Fortier Finance SASU, on whose behalf and in consideration of whom this statement is provided.

Personal Information

We handle all your data in compliance with applicable data protection laws. Fortier Finance processes your personal information solely for the intended purposes and retains it for a duration necessary to fulfill those purposes.

The retention period depends on the financial products and services arranged, following the record retention periods set by ORIAS for regulated products.

Your information for mortgages, loans, life insurance, and general insurance will only be used for those specific purposes unless you instruct otherwise. Without your consent or instructions, we won’t share your personal data except when necessary for our activities or to meet legal obligations.

We process your data using our systems and may share it with third-party service providers for the specified purposes. You have the right to obtain more information about your personal data, and upon request, we will provide you with our privacy statement.

Information collected

Information is gathered directly from you when you opt to engage in our offers and programs, establish an account on our websites or mobile applications, contact us via phone or email, or furnish information directly to us. The subsequent examples illustrate the kinds of information we may directly collect from you:

• Name
• Email address
• Postal address
• Telephone
• Date of birth
• Demographic information
• Future communication preferences
• Telephone number and any communication recordings when you contact our service(s)
  Information we collect from you.

We employ cookies and various technologies to gather information when you visit our websites, view our online advertisements or promotions, or utilize our mobile applications or other services. Here are examples of the information we may collect through these technologies:

• IP address
• Links you click
• Fortier emailing marketing
• Webpages you view
• Information about your device browser

Information collected from other sources.

• Name
• Email
• Number
• Date of birth
• Postal address

How we use this information

We use the information collected to provide products and services aligned to your interests and support other Fortier Finance business affiliates. The following are examples of how we may use the information:

• Telephone you about Fortier Finance and other content we believe may be of interest based upon initial consultation.
• Send you email and / or postal messages with information about Fortier Finance and other trusted affiliations.
• Telephone and email you about new products tailored to you.

Retention period of personal information

We will retain your Personal Information for the duration necessary to achieve the purposes outlined in this Privacy Statement, as long as no legal requirements mandate or permit a longer retention period in accordance with the laws of France. Our commitment to retaining Personal Information aligns with the specific objectives and responsibilities detailed in this privacy policy, ensuring that we hold onto the data only for as long as it serves the intended purposes or complies with legal obligations. If the laws in France necessitate or allow an extended retention period beyond our initial outlined purposes, we will adhere to such legal requirements.

Right to delete and amend information

We value your privacy and understand that preferences may change. Contacting us provides you with a direct avenue to request the deletion and/or amend your account. Whether you have decided to discontinue using our services, have concerns about your data, or simply wish to exercise your right to be forgotten, our team is here to assist you promptly. Your satisfaction and data privacy are of utmost importance to us, and we are committed to ensuring a seamless and secure process for account deletion or amend upon your request.

Cookies

This Website may place and access certain Cookies on your computer. Fortier Finance uses Cookies to improve your experience of using the Website and to improve our range of products. Fortier Finance has carefully chosen these Cookies and has taken steps to ensure that your privacy is protected and respected at all times.

All Cookies used by this Website are used in accordance with EU Cookie Law.

Before the Website places Cookies on your computer, you will be presented with a message bar requesting your consent to set those Cookies. By giving your consent to the placing of Cookies, you are enabling Fortier Finance to provide a better experience and service to you.

You may, if you wish, deny consent to the placing of Cookies; however certain features of the Website may not function fully or as intended.

You can choose to enable or disable Cookies in your internet browser. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser.

You can choose to delete Cookies at any time; however you may lose any information that enables you to access the Website more quickly and efficiently including, but not limited to, personalisation settings.

It is recommended that you ensure that your internet browser is up-to-date and that you consult the help and guidance provided by the developer of your internet browser if you are unsure about adjusting your privacy settings.

For more information generally on cookies, including how to disable them, please refer to aboutcookies.org. You will also find details on how to delete cookies from your computer.

Change of business ownership control

Fortier Finance reserves the right, intermittently, to either expand or contract its business operations. Such actions may involve the sale or transfer of control, either in entirety or in part, of Fortier Finance. In the event of such a transfer, user-provided data will be conveyed to the relevant business segment, and the new owner or controller will be authorized, under the provisions of this privacy policy, to utilize the data for its originally intended purposes.

Moreover, we may divulge data to a potential buyer interested in acquiring our entire business or a specific segment thereof. In these scenarios, we will undertake measures to safeguard your privacy throughout the process. Rest assured that we are committed to taking all necessary steps to protect your privacy when engaging in any business expansion, contraction, or transfer.

Changes to this privacy policy

Fortier Finance reserves the right to change this privacy policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the privacy policy on your first use of the Website following the alterations. You may contact Fortier Finance by email at [email protected]

Disclaimer

The French branch of Finance Finance Limited is a mortgage brokerage authorised in France, registered as an intermediary in banking operations and payment services in the unique register of intermediaries held by the ORIAS (www.orias.fr) under Register number 21001422.

For more regulatory information, please see our Legal Notices.

The selection of interest rates and product terms hinges on individual circumstances and the mortgage amount involved. Prior to initiating a mortgage application, we conduct a comprehensive review to understand your needs and preferences. If you meet the criteria, we present a range of options tailored to your situation.

Fortier Finance charges an intermediation services fee, clearly outlined in the Entry/Initial Disclosure Document provided to our clients.

Additionally, we may receive introduction/procuration fees from lenders, fully disclosed to clients and available upon request. Importantly, Fortier Finance does not collect fees before the mortgage funds are delivered.

It’s crucial to recognise that a mortgage is a significant commitment requiring repayment. Assess your borrowing capacity before making a commitment, as failure to meet mortgage payments could result in the repossession of your home.