This Privacy Policy was last updated on October 21, 2024. Please ensure that you familiarize yourself with the new revision of this Privacy Policy, as your continued use of our Services will be deemed as unconditional consent to the terms and conditions provided herein.
This Privacy Policy, together with our Terms and Conditions document, sets forth the terms and conditions (also referred to as "Terms") that apply to your access to and use of all Vomutuel products and Services (together, the "Vomutuel Services" or "Services"), which are made available through our Sites, including, but not limited to, all content and Services provided in the Vomutuel domain, as well as through certain applications or mobile platforms that are authorized by Vomutuel to provide our Services (together, the "Site"). "Vomutuel" includes Vomutuel, as well as its officers, directors, employees, consultants, affiliates, subsidiaries and agents.
By using or accessing the Vomutuel Services, you agree to these Terms, as last updated.
This Privacy Policy will help you understand how we collect, use and protect your personal data. You must also show this notice to any other person who may be named in or have personal data included in a quote, product or service offered through us.
The language of all documents in the Terms, including the Privacy Policy, is French. Where Vomutuel has provided a translation of the French version of any part of the Terms, you agree that the translation is provided for your convenience only and that the French version of the Terms will govern your relationship with us and the services we provide to you. If there are any discrepancies between the French version of the Terms and its translation, the French version will prevail.
You acknowledge that by providing us with your personal data, you consent to its processing in the manner described below. Where you provide personal data about other people, you confirm that you have the consent of those people to provide their personal data. We are unable to offer you a product or Service that requires the processing of special category personal data, as defined in the General Data Protection Regulation (GDPR), unless you provide your explicit consent to the collection and use of such data.
"we", "us", "our", "Financer" means Vomutuel, a trading name of Vomutuel, a company registered in Paris, whose registered office is located at 47 Boulevard de Quinault, 33500 Libourne, France
"you" and "your" means the person accessing and using our Site.
We may collect information directly from you when you use our Services - for example, when you register an account, when you request information about a financial product, when you ask to contact us, when you link your third-party account to our Service, when you use interaction points such as sliders, calculators, text boxes, surveys, forms or other fields on our Site, when you participate in competitions that we run. In these cases, we may ask you to provide us with one or more of the following pieces of information:
Name
Email address
Mailing address
Phone number
Date of birth
Third-party account information
Age, gender, or other demographic information
Personal responses, emails, replies, reviews, or other user-generated content (UGC)
Responses, social media account data, or other user actions or information collected during our contests, via the gleam.io platform. You can review io's privacy policy here.
Responses, self-reported data, or other data collected during our surveys via the typeform.com platform. You can review typeform.com's privacy policy here.
Email data, self-reported data or other data collected during our email marketing campaigns via the Sendinblue Inc. service. You can view Sendinblue's privacy policy here.
Voice recording or other data recorded during your phone calls with us, via the phone.com platform. You can view phone.com's privacy policy here.
User session and interaction data, as collected by user analytics tracking services such as Google Analytics, reCAPTCHA and We Can Track B.V.. You can view Google's privacy policy and We Can Track B.V.'s privacy policy, as well as the data processing agreement.
When this data is collected. We may collect your personal data when:
You enter data into our user interface, such as by filling out our interactive sliders, pop-ups, search bars, forms, calculators, and other interaction points.
You request loan results or a quote for any service available on our Site
You make a purchase from a third-party vendor as a result of a loan result or quote using our service.
You make inquiries via email, phone, text message, or other means of communication.
You register for information or other services
You respond to communications or surveys
You participate in our contests or other competitions.
We ask you for additional information for validation purposes
When you create user-generated data on our site, including but not limited to giving ratings, writing reviews, comments, and generally participating in any activity on our forum.
When you visit the Site, use the Services or open an email from Vomutuel, we may automatically receive and record certain information from your computer, web browser and/or mobile device, including, but not limited to:
IP address or other device address or identifier.
Web browser and/or device type.
Geolocation data, including whether you are using the Site on a mobile device.
Hardware and software settings and configurations.
The web pages or sites you visit just before or just after visiting the Site.
The pages you view on the Site
Your actions on the Site.
The dates and times you visit, access or use the Services.
When you use the Services, we may send one or more cookies (which are small text files containing a string of alphanumeric characters) to your computer or mobile device. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to the Services. Persistent cookies can be deleted. Please consult your web browser's help file for the appropriate way to change your cookie settings. If you delete or choose not to accept cookies from the Services, you may not be able to use the full functionality of the Services.
They typically contain only two pieces of information: a site name and a unique user identifier.
How does Vomutuel use cookies?
We use cookies to store your user preferences and actions, to help and optimize your overall experience of using our Site. These cookies are known as essential cookies. These cookies include actions such as creating or using your account on our site, writing reviews, interacting with existing reviews by giving appreciations or responses, writing other user content on the site, setting personalized search or filter preferences, accepting and saving user preferences (including privacy preferences), or any other action that affects the way you experience the site. These cookies are important to provide you with the best possible user experience.
We also use non-essential cookies, (also referred to as "additional cookies") - which help us improve our online marketing and advertising efforts, and to further optimize your user experience on our Site. These cookies allow us to track your user actions and associate them with anonymous user data, with the help of third parties and services such as Google Ads, Google Adsence, Google Analytics, DoubleClick, Bing Ads, Gleam, Typeform, RedTrack, WeCanTrack, Google Tag Manager, Yahoo, Facebook, YouTube, etc. We may use this data to optimize and even personalize the service we provide to you, and provide you with more relevant results and services. We may also use this data to find people with similar interests and actions to yours, also known as "lookalike audiences". We may also use this data to improve our business operations, offerings and profitability. For a more detailed list of how we use your data, please refer to Section II. How we use your information
Most additional cookies can be disabled using the cookie consent settings banners. However, all cookies can be disabled by using the information given in the section below titled "How to manage my cookies". It should be noted that if you choose to delete or disable all cookies, this may adversely affect the way the website is intended to work and may result in reduced or inaccurate functionality.
Types of cookies we may use
This is a list of cookies that our site may use, but is not limited to
User Action Cookies
Allows our web servers to respond to your actions on the site, such as logging in, writing reviews, liking reviews, writing replies, entering user preferences on search bars or lending sliders or any other interactive interface available on our site, etc.
Remember-me cookies
These allow us to remember your preferences, for example by avoiding you having to re-enter your user details each time. This includes your preferences regarding cookie settings.
Personalized tags/cookies
These allow us to track your actions on our site and to pass on information about incoming and outgoing links and other third parties that you may visit and interact with. They also allow us to track your actions related to user-generated data. These cookies typically include GTM (Google Tag Manager) tags, lending tags, URL tags, attribution tags or tags related to CGU.
Interaction and conversion cookies
These allow us to assign anonymous identifiers to obtain data on the values or click or conversion actions that have occurred on our site and share this data with third-party services that track user interactions and conversions, such as Google Analytics, reCAPTCHA and We Can Track B.V. You can review Google's privacy policy, as well as We Can Track B.V.'s privacy policy and data processing agreement.
Google Analytics
Allows us to collect anonymous information about how visitors use our site, including the devices they use. It also provides access to anonymous third-party audience data, including gender, age range and interests. You can review Google's privacy policy here.
Google reCAPTCHA and Cloudflare
Allows us to collect anonymous information about how visitors use and interact with the site, in order to determine the authenticity of user actions and prevent the potential use of the service by potentially malicious automated functions and unauthorized bots. The main services we use to determine legitimate use of our Service are Google reCAPTCHA and Cloudflare. You can review Google's privacy policy here, and Cloudflare's here.
Other Marketing Cookies
Third-party cookies that show us how you found our Site and what Site you came from, and that analyze your behavior and actions on our Site. This helps us understand how effective our online marketing is. Some may also allow us to create more targeted user audiences based on past user actions or create similar audiences (also known as lookalikes) that are based on current user behaviors and demographics to help us reach more users and potential customers. They also allow us to reward certain external sites that refer you to us. These third parties may be Google Ads, Google AdSense, Google Analytics, DoubleClick, Bing Ads, WeCanTrack, Gleam, Yahoo, Facebook, YouTube, CafeMedia, or others.
How can I manage my cookies?
You have the option to customize your cookie settings on Vomutuel when you first enter our site, through the appropriate cookie consent banner.
Once you have selected your cookie settings, these are saved for future use, usually for 365 days. However, if you wish to make further changes to your cookies, you can change them at any time using this cookie settings link.
Using the cookie settings screen, you can delete most of the cookies that are loaded in the "other cookies" category, but you do not have access to delete essential cookies that are important to your user experience of our site.
If you still want to delete essential cookies, you can follow the instructions below:
Most browsers allow you to manage and block cookies from specific sites. You also have the option to block only third-party cookies, which allows you to have an optimal experience when using Vomutuel. You can find out how to manage your browser's cookie settings here.
For more information on how to manage and disable cookies, you can visit https://www.allaboutcookies.org/. However, please note that by deleting or disabling cookies, this may affect the functionality of our site and you may not be able to access certain areas or features of our site. We do not operate, nor are we partners with the owner of this website, while considering it only as a good collection of data regarding cookies in a user-friendly form. We are not responsible for any actions resulting from the use or non-use of the information published on this website, as well as the accuracy or completeness of this information.
Additionally, you can opt out of specific cookies related to Google and Facebook ads, as outlined here:
Google Cookies
Facebook Cookies
Additionally, you can read Google's privacy policy here.
You can also review Facebook's policies here.
Third-Party Web Beacons and Buttons
We may implement third-party advertisements or other content on the Site that may use web beacons, which allows the third-party content provider to read and write cookies to your web browser in connection with your viewing of the third-party content on the Site. Additionally, we may implement third-party buttons (such as the Facebook "Like" or "Share" buttons) that may allow a third party to collect information about you through their browser cookies, even if you do not interact with the button.
Several different targeting and advertising programs may be used on this Site, including, but not limited to, Google Analytics. We allow third parties, including affiliated and non-affiliated companies, ad networks, analytics providers, and other ad service providers to collect information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers, and other technologies. These third parties may use this information to serve online advertisements to your browsers and devices that are tailored to your interests and preferences.
This Site is affiliated with CMI Marketing, Inc. d/b/a CafeMedia ("CafeMedia") for the purpose of placing advertisements on the Site, and CafeMedia will collect and use certain data for advertising purposes.
To learn more about CafeMedia's use of data, click here.
Information collected through web beacons, buttons, and similar technologies is collected directly by third parties, and we are not responsible for the privacy practices of these third parties. The information collected by these third parties in this manner is subject to their own privacy policies. Some of these third parties are members of the Network Advertising Initiative and participate in the industry opt-out available at http://optout.aboutads.info/#!/ or http://optout.networkadvertising.org/#!/.
Additionally, you may opt out of the use of Google Analytics cookies at the following URL: https://tools.google.com/dlpage/gaoptout.
Due to the differences between using the Sites and Apps on mobile devices, you may need to take additional steps to opt out on both platforms. Many mobile devices allow you to opt out of interest-based advertising for mobile applications by using the settings in the mobile application or on your mobile device. For more information, please review your mobile settings. You may also uninstall our App using the standard uninstall process available on your mobile device or app store. Please note that your opt-out choice will only apply to the browser and device you are using at the time of opt-out.
Information from Other Sources
We may also obtain information about you from third-party sources, such as our partners or advertisers. We may also, at your request, receive data from third-party services that provide a mechanism to share information you have provided to the third party through an application programming interface (API), such as Facebook Connect or the Twitter API. If we combine or associate information from other sources with your information that we collect through the Services, we will treat the combined information in accordance with this Privacy Policy, the Terms, and applicable law.
Your information is an integral part of our operations, and we use it in a variety of ways to provide the Services and operate our business. We use the information you provide, for example:
To provide you with the Services you request and to enable third parties to provide additional services to you. This may include marketing services that display advertising content to you, using a variety of media, including but not limited to the Financer.com website, email, and notifications.
To operate, maintain, and improve the Services and create new features and functionality.
To understand and analyze our users' usage trends and preferences across devices.
For fraud detection and information security.
We may use your email address or other personal information (a) to contact you for administrative purposes such as customer service, (b) to address intellectual property, privacy, or defamation issues related to content you have posted on the Services, and/or (c) to send you promotional materials, offers, and/or messages related to the Services and the activities of third parties with whom we work. Generally, you can opt out of receiving promotional communications by using the links provided in messages, by updating your account preferences through the Services, or by contacting us directly at contact@vomutuel.com.
We may use Cookie Information and Automatically Collected Information to: (a) personalize our Services, such as by remembering your information so that you do not have to re-enter it during your visit or the next time you visit the Services; (b) deliver personalized advertising, content, and information to your devices; (c) monitor and analyze the effectiveness of the Services and third-party marketing activities; (d) monitor aggregate site usage metrics, such as total visitors and page views; and (e) track your entries, submissions, and status in any promotions or other activities.
In certain circumstances, we process your personal data for our legitimate business interests. This may be for commercial or societal benefit and, in order for us to process your data, we will always balance our interests against yours to ensure that they are fair.
The following processes are based on legitimate interest:
Sharing data with our suppliers and service providers to generate a service request from you.
Fraud detection and prevention
Engaging and contacting you throughout the lifecycle of your Vomutuel account to ensure you have a good experience as a valued user.
Contacting you to remind you of our service.
Internally auditing our processes to maintain our high standards.
Providing a summary of our service
Sharing data with selected third parties to add value to our products.
We also advertise online, to keep you up to date with our activities and to help you see and find our services.
You have the following rights with respect to your account information or data related to your use of the Service:
Updating Your Information
Once you have registered for a Vomutuel account, you can update or correct your profile information and preferences at any time by accessing your account settings page on the Site. To do this, once your account is registered, you must enter the WordPress user view mode and then click on the Account Settings section.
Deactivating Your Account
We do not delete information about you when you deactivate your account. Although your opt-out status will be promptly reflected in our user databases, we may retain the information you submit for a variety of purposes, including legal compliance, backups and archiving, fraud and abuse prevention, and analytics. Upon opt-out, you will no longer receive emails from Vomutuel or links to third-party accounts, and the Services may terminate automatically.
Email Opt-Out
If you do not want to receive email offers or newsletters from us, you may opt-out of receiving email communications from us (except for emails related to completing your registration, correcting user data, changing your password, and other similar communications essential to your transactions through the Services) by using the unsubscribe process provided at the bottom of any marketing email from us. Although your changes will be reflected promptly in active user databases, we may retain any information you submit for various purposes, including backups and archiving, fraud and abuse prevention, and analytics. If you wish to be excluded from all other user databases as well to the extent possible, please notify us at contact@vomutuel.com.
Request your data
To access the data we hold about you, you must make a "data access request", or DAS. To do so, please email us at contact@vomutuel.com.
Please provide:
your full name, physical address, email address and telephone number
the most recent utility bill in your name, verifying your physical address and telephone number.
the information you wish to receive.
Once we have received your written request and documentation, we will have 30 calendar days to respond. If for any reason this is not possible, for example due to a large volume of data, we are permitted by law to take up to an additional 60 days to respond to your request. If we anticipate such a delay, we will notify you as soon as possible, indicating the date by which we expect to be able to provide you with the requested documentation.
Retention of your data
Your personal data will be retained for as long as we need it to provide you with the agreed product(s) or service(s). It will continue to be retained after the closure of an account or service or after any other purpose, in accordance with legal and regulatory requirements.
There are specific, more sensitive data that Vomutuel deletes at more regular periods, such as voicemails and emails, which must be deleted 2 years after their first receipt.
Cookie data has variable retention periods, depending on the settings provided by our third-party partners. In most cases, as is the case for session data provided by Google Analytics and We Can Track B.V., the retention period of cookies should not exceed 4 hours, unless this is necessary for the continued operation of the service during extended user sessions.
Other Data Rights
Your other rights as a data subject, where applicable, include:
The right to be informed about our processing of your personal data.
The right to have your personal data rectified if it is inaccurate, and to have incomplete personal data completed
The right to object to the processing of your personal data
The right to have your personal data erased ("right to be forgotten")
The right to move, copy or transfer your personal data ("data portability")
The rights regarding automated decision-making, including profiling.
You can exercise any of your rights as a data subject indicated above by contacting us by email: contact@vomutuel.com. Please note that when you choose to delete your personal data from our database, we also delete your account and suspend any services. Within a certain period of time, you can ask to reinstate your account, but in this case, you grant us the right to collect your personal data again.
In order to prevent abuse and/or misuse of the Service by a user after termination or deletion of an account, we will retain information that we deem, in our sole discretion, necessary to ensure that a user does not open a new account and profile in violation of our terms and conditions and to ensure compliance with all laws and regulations.
Notice: Even after we delete your personal data or account, copies of that information may still be visible and/or accessible to the extent that such information has been previously shared with others, or copied or stored by others. We cannot control this, and we accept no responsibility for it. If you have given third-party applications or websites access to your personal information, they may retain that information to the extent permitted by their terms of service or privacy policies.
Data Requests
For more details on these rights and how to exercise them, please contact: contact@vomutuel.com.
If you have any questions about your data rights, or if you believe that they have not been respected by Vomutuel, please contact our Data Protection Officer at contact@vomutuel.com.
or by writing to
Data Protection Officer
Vomutuel
Address:
47 Boulevard de Quinault, 33500 Libourne, France