Terms of Use

Key Definitions

Platform

The website accessible at linqorent.com and all pages and subpages thereof, operated by Linqorent SAS.

User

Any natural or legal person who accesses and uses the Platform, regardless of location or purpose.

Content

All text, images, graphics, documents, and other materials published on the Platform by Linqorent SAS.

Educational Content

Informational and educational material on financial literacy topics, provided for general knowledge purposes only, not constituting financial advice, legal advice, or any form of regulated guidance.

Operator

Linqorent SAS, 78 Av. des Champs-Élysées, 75008 Paris, France, SIRET 852 173 430 55181.

1. Purpose and Scope

These Terms of Use govern access to and use of the Platform. By accessing the Platform, Users accept these Terms in full. If you do not accept these Terms, you must not use the Platform.

The Platform provides educational content on financial literacy topics relevant to individuals experiencing economic difficulty in France. The content is informational only. Nothing on this Platform constitutes financial advice, legal advice, investment advice, or any other form of regulated professional guidance. Users should consult appropriately qualified professionals for personalised advice.

2. Access to the Platform

Access to the Platform is free of charge and does not require registration. The Operator reserves the right to modify, suspend, or discontinue the Platform at any time and without prior notice, for technical, legal, or operational reasons.

The Operator does not warrant that the Platform will be continuously available, free from errors, or that any defects will be corrected. Access may be interrupted for maintenance, updates, or circumstances beyond the Operator's reasonable control.

3. Acceptable Use

Users agree to use the Platform solely for lawful purposes and in a manner consistent with these Terms. The following uses are expressly prohibited:

• Reproducing, copying, or redistributing Content for commercial purposes without prior written authorisation from the Operator
• Attempting to gain unauthorised access to any part of the Platform or its underlying systems
• Transmitting any material that is unlawful, harmful, defamatory, or otherwise objectionable
• Using automated tools (scrapers, bots) to extract Content without prior authorisation
• Misrepresenting the Content or presenting it as personalised financial advice

4. Intellectual Property

All Content on the Platform, including text, images, graphic design, layout, and code, is the property of Linqorent SAS or its licensors and is protected by French and European intellectual property law, including the Code de la propriété intellectuelle.

Users are granted a limited, non-exclusive, non-transferable licence to access and read the Content for personal, non-commercial purposes. No other rights are granted. Any reproduction, modification, distribution, or public communication of Content without the Operator's prior written consent is prohibited.

5. Disclaimer of Financial Advice

The Content on this Platform is provided for general educational and informational purposes only. It does not constitute and must not be interpreted as financial advice, investment advice, banking advice, tax advice, legal advice, or any other form of regulated professional advice.

The Operator is not an authorised financial institution, investment firm, or financial advisory service. The Operator does not hold any licence or authorisation from the Autorité de Contrôle Prudentiel et de Résolution (ACPR) or the Autorité des Marchés Financiers (AMF) to provide regulated financial services.

Users who require personalised financial guidance should consult a qualified professional, such as a notaire, avocat, conseiller en investissements financiers (CIF), or contact official public services including Points Conseil Budget, CCAS, or the Banque de France.

6. Limitation of Liability

To the fullest extent permitted by applicable law, the Operator shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from use of or inability to use the Platform or its Content. This includes, without limitation, any financial decisions made by Users based on information read on the Platform.

The Operator makes reasonable efforts to ensure the accuracy of Content but does not warrant that information is complete, current, or free from error. Financial regulations, public support mechanisms, and banking rules change. Users are encouraged to verify information against official sources before acting on it.

7. External Links

The Platform may contain links to third-party websites, including official public services such as service-public.fr, caf.fr, and banque-france.fr. These links are provided for informational convenience only. The Operator does not control third-party websites and is not responsible for their content, accuracy, or privacy practices. The inclusion of a link does not constitute endorsement.

8. Governing Law and Jurisdiction

These Terms are governed by French law. Any dispute arising from the use of the Platform that cannot be resolved amicably shall be subject to the exclusive jurisdiction of the competent courts of Paris, France, unless mandatory consumer protection law provides otherwise.

For consumer disputes, Users may also use the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr/.

9. Modifications

The Operator reserves the right to modify these Terms at any time. Updated Terms will be published on this page with a revised date. Continued use of the Platform after publication of updated Terms constitutes acceptance of the changes.

10. Contact

For questions regarding these Terms, please contact:

Linqorent SAS — 78 Av. des Champs-Élysées, 75008 Paris, France
Email: info@linqorent.com
Tel: +33 1 42 56 32 33