Terms of Service

 

The purpose of these conditions of use is to define the terms of provision and use of the site www.issoyo.com (hereinafter the "Site") and the services provided through the Site.

Continued navigation on the Site implies unreserved acceptance of these conditions of use.

The Site reserves the right to modify these conditions of use at any time.

 

Article 1 - Legal information

 

1.1 Publisher (hereinafter the “Publisher”): ISSOYO, simplified joint stock company (SAS) with capital of 25,000 euros, whose registered office is located at 18 Allée Julien Manceau 95580 Margency - France, RCS (Pontoise 838 876 787 ), E-mail address: mikael@issoyo.com, Publication director: Mikael.

 

1.2 Host (hereinafter the "Host"): Microsoft Ireland Operations Ltd (registered office: One Microsoft Place, South County Business Park, Leopardstown, Dublin 18, D18 PS21, Ireland. VAT registration number FR00419423728

 

1.3 As an insurance intermediary within the meaning of Article L. 512-5 of the Insurance Code, ISSOYO is registered with the Organization for the Register of Insurance Intermediaries (ORIAS) under the number 18006105.

For any further information, you can contact:

L'ORIAS, 1 rue Jules Lefebvre - 75311 Paris Cedex 09, contact@orias.fr;

 

Article 2 - Access to the Site

 

Access to the Site and its use are reserved for strictly personal use. You agree not to use the Site and the information or data contained therein for commercial, political, advertising purposes and for any form of commercial solicitation and in particular the sending of unsolicited e-mails.

It is specified that all hardware or software necessary for the use of the Site remains exclusively at your expense.

 

 

Article 3 - Content of the Site

 

The domain name ISSOYO.com is the exclusive property of the Publisher.

In addition, all other brands, photographs, texts, comments, illustrations, images, animated or not, video sequences, sounds, as well as all the computer applications that could be used to operate the Site and more generally all the elements reproduced or used. on the Site are protected by the laws in force under intellectual property.

They are the full property of the Publisher or its partners. Any reproduction, representation, use or adaptation, in any form whatsoever, of all or part of these elements, including computer applications, without the prior written consent of the Publisher, is strictly prohibited. The fact that the Publisher does not initiate proceedings upon becoming aware of these unauthorized uses does not constitute acceptance of said uses and waiver of prosecution.

 

Article 4 - Site management

 

For the proper management of the Site, the Publisher may at any time:

suspend, interrupt or limit access to all or part of the Site, reserve access to the Site, or to certain parts of the Site, to a specific category of Internet user;

delete any information that could disturb its operation or that contravenes national or international laws;

suspend the Site in order to proceed with updates.

Article 5 - Registration conditions and user account

To use the Site and take advantage of the offers there, you must register and create a user account (hereinafter the "User Account").

When opening the User Account, you will have to communicate personal information relating to your identity such as surname, first name, email address and telephone number. Otherwise, the opening of your User Account will not be possible. The use of your personal data is governed by article 13 of the general conditions of use.

The Site and any User Account are exclusively reserved for users who must imperatively be adults over the age of 18 or individuals empowered to represent any legal person duly registered with the competent Commercial and Companies Register.

In the event that you do not fulfill the conditions provided for in the general conditions of use, you will be prohibited from accessing and using the Site and the User Account. The Publisher reserves the right to temporarily or permanently suspend any User Account.

You acknowledge and agree to keep confidential the username and password allowing access to your User Account. The username and password are personal and must not be shared or transferred to any natural or legal person, in any form whatsoever, without the prior written consent of the Publisher.

You are solely responsible for your User Account and the use made of it.

 

Article 6 - Offers

 

The offers of supplier partners via the Publisher can be viewed on the Site (hereinafter the "Services"). The Offers are regularly updated and the Publisher reserves the right to modify the list and content of the Offers at any time.

Each Offer contains a description of the essential characteristics of the services provided and the price, excluding tax or tax, of the services provided.

Article 7 - Relations between the parties

 

The Publisher, the Publisher's suppliers, and you are independent parties, each acting on its own behalf and for its own account.

By using the Site and subscribing to the Offers offered, you acknowledge that the Publisher is an intermediary connecting customers and suppliers and that it only intervenes as an intermediary when subscribing the Offers requested. Thus it is not a party to said Offers and will not be a party to contracts arising therefrom.

The Publisher is a partner of several paying affiliation platforms (Awin, TimeOne and Tradedoubler), all of whose suppliers can be found at the following addresses awin.com/fr/editeurs/repertoire-annonceurs; performance.timeonegroup.com/fr/editeurs/programmes-en-cours; tradedoubler.com/en/about-us/

The general conditions of use do not create any relationship of subordination, joint venture, joint venture, employer / employee or franchisor / franchisee relationship between you and the Publisher.

You accept the Offers independently.

 

Article 8 - Responsibilities

 

The responsibility of the Publisher cannot be engaged in the event of failure, breakdown, difficulty or interruption of operation, preventing access to the Site or to one of its functions.

The material of connection to the Site that you use is under your full responsibility. You must take all appropriate measures to protect your equipment and your own data, in particular from viral attacks by Internet. You are also solely responsible for the sites and data that you consult.

The Publisher cannot be held responsible in the event of legal proceedings against you:

due to the use of the Site or any service accessible via the Internet;

due to your non-compliance with these terms of use.

The Publisher is not responsible for damage caused to yourself, to third parties and / or to your equipment as a result of your connection or use of the Site and you renounce any action against it as a result.

If the Publisher were to be the subject of an amicable or judicial procedure because of your use of the Site, he may turn against you to obtain compensation for all the damages, sums, convictions and costs that could arise from this procedure .

Finally, the Publisher only intervenes as an agent or intermediary, and it cannot be held responsible and does not provide any guarantee, even partially or indirectly, of the Offers offered on the Site, or of any non-performance or poor performance of any any kind of contract that may have been concluded between you and partners, through the Site and that of the Publisher.

In particular, the Publisher does not exercise systematic control and assumes no responsibility in relation to:

the quality, compliance of the Offers with the law or the adequacy of the Offers offered on the Site;

the reliability and accuracy of all information relating to the Offers.
 

Article 9 - Insurance intermediation

 

The validity of the Offers offered on the Site and by the partners is subject to the accuracy of the answers provided to which you agree to respond in a fair and honest manner.

ISSOYO is not subject to any contractual obligation to work exclusively with one or more insurance companies. After receiving an Offer by the Site and before any subscription through the Publisher, it is your responsibility to read all of the general and specific conditions of the proposed contract in order, in particular, to have an exhaustive and detailed view of it. '' check compliance with your situation without that no responsibility can be held against the Site and the Publisher in this regard.

In the event that the Site is unable to present an Offer corresponding to your profile or in the event of an inaccuracy relating to the price or service described by the Site, or in the event of poor performance or non-performance of the contract concluded by you with the insurance partners of the Site, no responsibility could be held against the Site and the Publisher.

 

 

Article 10 - Claims and mediation (insurance intermediation)

 

In all cases of disagreement, ISSOYO is at your disposal to listen to you and seek a solution.

If the litigation persists, you can, at any time, after having resorted to the procedure exposed above, present a complaint by letter addressed to: ISSOYO, 18 Allée Julien Manceau, 95580 Margency - France, or by electronic message to: mikael@issoyo.com.

If after examining your complaint, the disagreement has still not been resolved, you can file a complaint on the Mediation of Insurance website: www.mediation-assurance.org or send a simple letter to Mediation of the 'Insurance, TSA 50110, 75441 PARIS Cedex 09. This mediation will take place in the manner and within the limits provided for in the Insurance Mediation Charter (this charter can be sent to you upon request).

The opinion of the insurance mediator is not binding on the parties; if the insured remains dissatisfied, he retains the possibility of seizing the competent court.

Article 11 - Hypertext links

The Publisher reserves the right to refuse and remove any hypertext links set up by you to all or part of the Site.

In the event that the Publisher does not request the removal of hypertext links set up by you, this freedom which is granted to you by the Publisher is in all cases only special, temporary, and the Publisher may ask you to withdraw them at any time on request, without obligation of justification at the expense of the Publisher.

The Site may be advertised. Any information accessible via a link to other sites is not under the control of the Publisher, which declines any responsibility for their content.

 

 

Article 12 - Data collection

 

The Publisher collects certain personal information about you on the Site as well as through the call center. The collection and processing of this personal information complies with the general data protection regulations in force.

Personal information is collected for the purpose of responding to your requests for quotes or subscriptions and for statistical and advertising purposes.

In accordance with the provisions of the law n ° 78-17 of January 6, 1978 modified, relating to data processing, the files and freedoms, you have a right of access, interrogation, modification and suppression of information which concern you, to exercise at any time with the Publisher either by postal mail to the following address: 18 allée Julien Manceau 95580 Margency - France, or by email to the following address: mikael@issoyo.com.

For security reasons and to avoid any fraudulent request, this request must be accompanied by proof of identity. After processing the request, this document will be destroyed.

The information collected may be communicated to third parties linked to the Publisher by contract. If you do not wish to do so, you can send an email to the following address: mikael@issoyo.com. This information may be disclosed in application of a law, regulation or by decision of a competent regulatory or judicial authority or, if necessary, for the purposes of ISSOYO, to preserve its rights and interests.

When certain information is required to access specific functionalities of the Site, the Publisher will indicate this mandatory nature when entering data.

You are likely to receive commercial offers from the Publisher or its partners. If you do not wish, you can send an email to the following address: mikael@issoyo.com 

This information may be disclosed in application of a law, regulation or by decision of a competent regulatory or judicial authority or, if necessary, for the purposes of ISSOYO, to preserve its rights and interests.

When certain information is required to access specific functionalities of the Site, the Publisher will indicate this mandatory nature when entering data.

You are likely to receive commercial offers from the Publisher or its partners. If you do not wish, you can send an email to the following address: mikael@issoyo.com

If, during the consultation of the Site, you access personal data, you must refrain from any collection, any unauthorized use and any act which could constitute an attack on the private life or the reputation of the people. The Publisher accepts no responsibility in this regard.

Users acknowledge that the service of the ISSOYO company includes web forms backed by certain web pages within which the latter may be required to deliver personal name data. The users of the service recognize that these various personal data can lead ISSOYO to contact them by means of tele-advisers in order to facilitate their subscription to the offers of services offered. In addition, ISSOYO reminds all of its users that the government has implemented since June 1, 2016 a list of opposition to canvassing, free for consumers and accessible via the address www.bloctel.gouv. Fr.

Users acknowledge that the Publisher's services may require requesting from the users their personal data, including their telephone number, in order to contact them. In addition, the Publisher reminds all users that the government has set up a list of opposition to door-to-door sales, free for consumers and accessible via the address www.bloctel.gouv.fr since June 1, 2016.

The person responsible for processing user data collected via the www.issoyo.com site is ISSOYO, a company (SAS) with a capital of 25,000 euros, whose head office is located at 18 allée Julien Manceau 95580 - Margency, RCS (Pontoise 838 876 787).

Article 13 - Cookies

 

The Site can automatically collect standard information. All information collected indirectly will only be used to monitor the volume, type and configuration of traffic using the Site, to develop its design and layout and for other administrative and planning purposes and more generally to improve the service we offer you.

However, you can configure your browser software in order to be informed beforehand of the sending of a cookie by the Site and thus be able to accept or refuse it. However, refusing to accept a cookie may prevent access to certain parts of the Site.

Third-party companies may also present, after obtaining authorization, advertisements detailing the services offered by ISSOYO. These companies are likely to place cookies and action tags (or “simple pixel gif”) on your computer in order to be able to measure the effectiveness of advertising. You can configure your navigation software according to the same methods defined above.

 

 

Article 14 - Photographs and representation of products

 

The pictures products, accompanying their description, are not contractual and do not bind the Publisher.

 

Article 15 - Applicable law

 

The present conditions of use of the Site are governed by French law and subject to the jurisdiction of the jurisdiction of the Paris Court of Appeal, subject to an allocation of specific jurisdiction arising from a particular law or regulation.

 

 

Article 16 - Contact us

 

For any question, information on the products presented on the Site, or concerning the Site itself, you can leave a message at the following address: mikael@issoyo.com

 

Update

These General Conditions of Sale were updated on November 23, 2018.