Conditions d'utilisation
1. Général
1.1. You are invited to visit the Prévoyure website (the "Website")
Our email address: info@valoirine.com
1.2. This Website provides information about third-party platforms (the "Third-Party Platforms") for conducting transactions (the "Services").
1.3. These Terms and Conditions govern your ("You", "Your", or "User") access to the Website and the Services. Please read these Terms and Conditions carefully before accessing the Services. They constitute a legally binding agreement between You and the Website owner. If you do not wish to use the Website, you must accept the Terms and Conditions in full. These Terms and Conditions may be updated from time to time.
These Terms and Conditions include our Privacy Policy. By accepting these Terms and Conditions, you also accept our Privacy Policy. (You can view our Privacy Policy here).
2. Éligibilité
2.1. Access to the Website is conditional on your compliance with these Terms and Conditions.
2.1.1. You must be at least 18 years of age.
2.1.2. You must have the legal capacity to enter into these Terms and Conditions.
2.1.3. The laws of the country in which you reside or access the Services must not prohibit you from using the Website or any of its services.
2.2. We make no warranty, representation, or assurance regarding the legality of the Website or Services for any particular user. We accept no liability for any unlawful use of the Website or Services by any user.
Restricted Territories
3.1. Without limiting the scope of the information provided, we reserve the right to restrict access to the Services and/or the Website (or any part thereof) for: (i) Users residing in restricted areas (the "Restricted Territories"), and (ii) Users we determine may present a regulatory, legal, or reputational risk.
3.2. We may also impose additional conditions before accepting Users who are nationals of certain countries. If Users travel to Restricted Territories, the Website or Services may be temporarily unavailable or blocked.
4. Activités interdites
4.1. By using the Site and Services, you agree to the following obligations and restrictions:
4.1.1. You are prohibited from using the Site to upload, share, publish, transmit, or send: (a) content that infringes any intellectual property rights, privacy rights, property rights, or other rights; (b) content whose publication or distribution is prohibited due to threats, harm, insult, defamation, slander, or racist material; (c) content containing viruses or any software capable of damaging our systems or those of third parties, or of blocking or restricting other users' access to the Site; (d) content that violates any applicable legal or regulatory provision; or (e) advertising messages or promotional material not covered by our prior written consent.
4.1.2. You may not modify or remove any attribution, legal notice, label, or proprietary designation on this Site.
4.1.3. Access to the Services must be obtained exclusively through the Site. No third-party interface may be used to access the Services.
4.1.4. You may not disrupt or interfere with other users' access to or use of the Site or Services.
4.1.5. You may not use bots or any automated means to access the Site or its Services.
4.1.6. You may not upload or transmit — or attempt to do so — any content that incorporates data collection or transmission mechanisms, including tracking pixels, cookies, or spyware, without our express authorisation.
4.1.7. You may not use framing, mirroring, or any other technique designed to replicate the appearance or functionality of the Services.
4.1.8. You may not violate any applicable law or regulation, or encourage or facilitate any unlawful activity, including trademark infringement, copyright violation, defamation, invasion of privacy, identity theft, or distribution of fraudulent software.
4.1.9. You may not modify, alter, or tamper with the source code of this Site, or upload applications or software that could cause damage to the Site or to third parties.
4.1.10. You may not disassemble, decompile, or reverse engineer any technology or software on the Site or used to provide the Services.
4.2. These conditions are in addition to any other rights we may have. If we determine that your use of the Site does not comply with these Terms of Use or any applicable law, we reserve the right to monitor your use of the Site or Services, restrict or block access, report your conduct to third parties, or take any other appropriate action to protect the rights and property of third parties.
5. Droits de propriété intellectuelle
5.1. The content of this Website — including audiovisual elements such as text, images, logos, sounds, designs, trademarks, and other materials — is protected by our intellectual property rights and those of third parties.
5.2. All rights, title, and interest in the Services and the Website belong to us. Aside from the right to use the Services and Website as set out in these Terms, no intellectual property rights are transferred to the User.
5.3. The Website and Services may only be used for personal, non-commercial purposes.
5.4. You may not permit any person to modify, disassemble, decompile, or copy the Services or the Website, or to create derivative works through sublicensing or rental.
6. Limitation de responsabilité
6.1. The Website and Services are provided for your use at your own risk. We make no warranties, express or implied, regarding the Website or Services, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, or usability, nor do we warrant the accuracy, completeness, timeliness, or prompt delivery of any content. All content and functionality accessible through the Website is provided "as is", "as available", and "with all faults".
6.2. We are not responsible for errors, omissions, or inaccuracies in any information published on the Website, nor for any disruption or interruption to transmissions to or through the Services.
6.3. You are solely responsible for any decisions made in reliance on information available on the Website and/or through the Services. We do not accept liability for any loss, direct or indirect, suffered by you or any third party in connection with use of the Website or Services.
6.4. We are not liable for any loss or damage, direct or indirect, arising in connection with you or any third party, including any loss of revenue or data resulting from use of the Website and/or Services. This limitation of liability applies to the fullest extent permitted by applicable law in the relevant jurisdiction.
6.5. We accept no liability for technical issues arising from internet or telephone lines, internet service providers, server systems, or any related equipment, nor for any consequences arising from general use of the internet.
7. Third-Party Content and Services
7.1. When using the Services, you may encounter content from third parties and external services, including advertisements or reviews relating to Third-Party Platforms.
7.2. We accept no responsibility for any referenced information or products, which may not be current or regularly updated.
7.3. We strongly recommend verifying the accuracy of any information before making decisions. You are solely responsible for all decisions and actions taken on the basis of such information.
8. Liens
8.1. This site contains advertisements and third-party content accessed via external websites ("Links"). Before downloading, relying on, or acting on any information, software, or other material obtained through these sites, or completing any purchase or transaction, please be aware of the risks involved. These links are provided solely for your convenience. We are not responsible for any loss or damage arising from your use of, or reliance on, information, products, or services available through third-party websites or applications.
8.2. The inclusion of hyperlinks on this site does not constitute endorsement, authorisation, affiliation, or any other form of approval on our part regarding those websites, their software, or their operators.
8.3. We have not reviewed all linked websites and accept no responsibility for the content, software, or services they provide. Exercise caution before using, relying on, or making purchases through any linked site or application. We are not liable for any loss or damage resulting from your use of, or reliance on, content or products accessed via third-party websites.
8.4. You are responsible for reviewing the terms and conditions and policies of any third-party website. We strongly recommend doing so before engaging with any external site.
9. Divers
9.1. We reserve the right to modify, suspend, or adjust our Services at any time. Such changes will not give rise to any claim against us.
9.2. These Terms may be updated at any time. We will notify you by publishing the latest version and updating the date at the top of the document. Changes take effect within a few business days. Continued use of the site following publication constitutes your acceptance of the updated Terms.
9.3. The User acknowledges and agrees that no information transmitted via or through the site creates any relationship beyond those expressly set out in these Terms.
9.4. These Terms and the Privacy Policy, as amended from time to time, constitute the entire agreement between us and the User. Any other promise, statement, or agreement — whether oral or written — that is not incorporated into the Privacy Policy is legally binding on the parties.
9.5. Failure to exercise any right or power under these Terms does not constitute a waiver of that right or power. Partial or single exercise of any right does not preclude any further exercise of that right or any other right or remedy.
9.6. If any provision of these Terms is found invalid by a competent court, the remaining Terms will be interpreted as though that provision had been excluded, and will continue to apply according to their terms. The Terms will otherwise be construed in accordance with the intent and meaning of the excluded clauses, as determined by the courts.
9.7. These Terms permit third-party partners to assign or transfer all rights and obligations. Third-party operators may manage the site and all its services without restriction from the preceding provisions. These Terms do not permit you to assign or transfer any of your rights or obligations.