Privacy Policy

The Publisher : The natural or legal person who publishes the online public communication services.

The Website : All websites, Internet pages and online services offered by the Publisher, accessible at https://mo2a-finance.com.

The User : The person using the Website and the services.

In the context of using the Website, the Publisher may collect the following categories of data concerning its Users:

• Civil status, identity, identification data : name, first name, email address, phone number
• Connection data : IP addresses, connection logs
• Contact data : information provided via the contact form (name, email, message)

In the context of our activity, your personal data may be communicated to our service providers for the following purposes:

• Technical providers : for Website hosting and management of our computer systems

You are however informed that they may be disclosed in application of a law, regulation or by virtue of a decision of a competent regulatory or judicial authority.

In the event that we would take part in a merger, acquisition or any other form of asset transfer operation, we undertake to guarantee the confidentiality of your personal data and to inform you before they are transferred or subject to new privacy rules.

We may publish, disclose and use aggregated information (information relating to all our Users or to specific groups or categories of Users that we combine in such a way that an individual User can no longer be identified or mentioned) and non-personal information for sector and market analysis purposes, demographic profiling, promotional and advertising purposes and other commercial purposes.

Consultation of the Website does not require prior registration or identification. It can be carried out without you communicating personal data concerning you (name, first name, address, etc.). We do not record any personal data for simple consultation of the Website.

However, to contact us via the contact form, it is necessary to provide certain personal data (name, email address, message) in order to be able to respond to your request.

We use your electronic identifiers (email address) solely to respond to your contact requests and for communication concerning our services.

We collect certain technical data from your device (IP address, browser type, operating system) solely for security, fraud prevention and service improvement purposes. This data is retained for the duration strictly necessary for these purposes.

Cookie retention period

In accordance with CNIL recommendations, the maximum retention period for cookies is 13 months maximum after their first deposit in the User's terminal, just like the duration of the validity of the User's consent to the use of these cookies. The cookie lifetime is not extended on each visit. The User's consent must therefore be renewed after this period.

Cookie purpose

Cookies may be used for statistical purposes, in particular to optimize the services provided to the User, based on the processing of information concerning access frequency, page personalization as well as operations performed and information consulted. They are also used to remember your browsing preferences.

You are informed that the Publisher may deposit cookies on your terminal. The cookie records information relating to navigation on the service (the pages you have consulted, the date and time of consultation...) which we can read during your subsequent visits.

User's right to refuse cookies

You acknowledge having been informed that the Publisher may use cookies. If you do not want cookies to be used on your terminal, most browsers allow you to disable cookies through the settings options.

Technical data is retained for the duration strictly necessary to achieve the purposes mentioned above (security, fraud prevention, service improvement).

Data retention

In accordance with article 6-5° of law n°78-17 of January 6, 1978 relating to data processing, files and freedoms, personal data subject to processing are not retained beyond the time necessary for the execution of the purposes for which they were collected.

For data relating to contact requests, we retain this data for a period of 3 years from the last interaction.

Retention of anonymized data beyond the contractual relationship

We retain personal data for the duration strictly necessary to achieve the purposes described in this Privacy Policy. Beyond this period, they will be anonymized and retained for exclusively statistical purposes and will not give rise to any exploitation of any kind.

Data deletion

Data purging means are put in place to provide for their effective deletion once the retention or archiving period necessary for the accomplishment of the determined or imposed purposes is reached. In accordance with law n°78-17 of January 6, 1978 relating to data processing, files and freedoms, you also have a right to deletion of your data which you can exercise at any time by contacting the Publisher at contact@mo2a-finance.com.

The User has the possibility to request deletion of their personal data at any time, by simple request to the Publisher at contact@mo2a-finance.com.

We undertake to implement all appropriate technical and organizational measures to ensure a level of security appropriate to the risks of accidental, unauthorized or illegal access, disclosure, alteration, loss or destruction of your personal data.

In the event that we become aware of illegal access to your personal data stored on our servers or those of our providers, or unauthorized access resulting in the realization of the risks identified above, we undertake to:

• Notify you of the incident as soon as possible;
• Examine the causes of the incident and inform you;
• Take the necessary measures within reasonable limits to reduce the negative effects and damages that may result from said incident.

Liability limitation : Under no circumstances can the commitments defined in the point above relating to notification in case of security breach be assimilated to any acknowledgment of fault or liability regarding the occurrence of the incident in question.

In the context of our activities, some of your data may be transferred to our service providers located in the European Union (notably for hosting). These transfers are carried out in compliance with applicable European regulations.

For more information on data protection worldwide: https://www.cnil.fr/en/data-protection-around-the-world.

We undertake to inform you in case of substantial modification of this Privacy Policy, and not to lower the level of confidentiality of your data substantially without informing you and obtaining your consent.

This Privacy Policy and your use of the Website are governed and interpreted in accordance with the laws of France, and in particular Law n° 78-17 of January 6, 1978 relating to data processing, files and freedoms. The choice of applicable law does not affect your rights as a consumer in accordance with the applicable law of your place of residence.

If you are a consumer, you and we agree to submit to the non-exclusive jurisdiction of French courts, which means that you can bring an action relating to this Privacy Policy in France or in the EU country in which you live.

In case of dispute, the parties will seek an amicable solution before any legal action. In case of failure of these attempts, any disputes as to the validity, interpretation and/or execution of the Privacy Policy must be brought, even in case of plurality of defendants or appeal in guarantee, before French courts.

You also have the right to file a complaint with the Commission Nationale de l'Informatique et des Libertés (CNIL): https://www.cnil.fr.

The Publisher undertakes to offer you the possibility of having all data concerning you returned to you upon simple request at contact@mo2a-finance.com. The User is thus guaranteed better control of their data, and retains the possibility of reusing it. This data must be provided in an open and easily reusable format.

In accordance with the General Data Protection Regulation (GDPR) and the Data Protection and Freedoms Act, you have the following rights regarding your personal data:

• Right of access : you have the right to obtain a copy of your personal data
• Right of rectification : you can request the correction of your inaccurate or incomplete data
• Right to erasure : you can request the deletion of your data in certain cases
• Right to restriction of processing : you can request the limitation of the use of your data
• Right to object : you can object to the processing of your data for legitimate reasons
• Right to data portability : you can request to receive your data in a structured format

To exercise these rights, contact us at contact@mo2a-finance.com.