Privacy Policy

Definitions

Customer: any professional or natural person with legal capacity within the meaning of Articles 1123 et seq. of the Civil Code, or any legal entity, who visits the Website covered by these Terms and Conditions.
Services: https://www.kashflo.fr provides Customers with:

Content: All elements comprising the information available on the Site, including text, images, and videos.

Customer Information: Hereinafter referred to as “Information(s),” which refers to all personal data that may be held by https://www.kashflo.fr for the purposes of managing your account, managing customer relationships, and for analytical and statistical purposes.

User: An Internet user who logs in and uses the aforementioned website.

Personal information: “Information that, in any form whatsoever, directly or indirectly, allows for the identification of the individuals to whom it pertains” (Article 4 of Law No. 78-17 of January 6, 1978).

The terms “personal data,” “data subject,” “processor,” and “sensitive data” have the meanings defined in the General Data Protection Regulation (GDPR: No. 2016-679)

1. Introduction to the website.

Pursuant to Article 6 of Law No. 2004-575 of June 21, 2004, on Confidence in the Digital Economy, users of the website https://www.kashflo.fr are hereby informed of the identities of the various parties involved in the creation and management of the site:

Owner: SAS Kashflo; Share capital: €20,000; VAT number: FR13891213464 – 16 RUE CUVIER, 69006 LYON
Publication Director: Alexandre LE LAY – contact@kashflo.fr
The Publication Director may be an individual or a legal entity.
Webmaster: Alexandre LE LAY – contact@kashflo.fr
Hosting Provider: Ionos – 7 Place de la Gare, 57200 Sarreguemines, 0970 808 911
Data Protection Officer: Alexandre LE LAY – contact@kashflo.fr

2. General Terms and Conditions for Use of the Website and the Services Offered.

The Site constitutes a work of authorship protected by the provisions of the Intellectual Property Code and applicable international regulations. The Customer may not, under any circumstances, reuse, transfer, or exploit for its own benefit any or all of the elements or works contained on the Site.

Use of the https://www.kashflo.fr website implies full and unconditional acceptance of the terms and conditions of use described below. These terms and conditions of use are subject to change or amendment at any time; users of the https://www.kashflo.fr website are therefore encouraged to review them regularly.

This website is normally accessible to users at all times. However, https://www.kashflo.fr may decide to suspend access for technical maintenance, in which case it will make every effort to notify users in advance of the dates and times of the maintenance. The https://www.kashflo.fr website is updated regularly by the person in charge at https://www.kashflo.fr. Similarly, the legal notices may be modified at any time; they are nevertheless binding on the user, who is encouraged to review them as often as possible to stay informed.

3. Description of the services provided.

The purpose of the website https://www.kashflo.fr is to provide information about all of the company’s activities. https://www.kashflo.fr strives to provide information on the https://www.kashflo.fr website that is as accurate as possible. However, it cannot be held liable for omissions, inaccuracies, or failures to update the information, whether caused by the company itself or by third-party partners who provide this information.

All information provided on the https://www.kashflo.fr website is for informational purposes only and is subject to change. Furthermore, the information on the https://www.kashflo.fr website is not exhaustive. It is subject to changes that may have been made since it was posted online.

4. Contractual restrictions on technical data.

This website uses JavaScript technology. The website cannot be held liable for any property damage resulting from the use of the site. Furthermore, users of the site agree to access the site using up-to-date hardware that is free of viruses and a latest-generation, up-to-date web browser The website https://www.kashflo.fr is hosted by a service provider located within the European Union, in accordance with the provisions of the General Data Protection Regulation (GDPR: No. 2016-679).

The goal is to provide a service that ensures the highest level of availability. The hosting provider guarantees the continuity of its service 24 hours a day, every day of the year. However, it reserves the right to interrupt the hosting service for the shortest possible periods, particularly for maintenance purposes, to improve its infrastructure, in the event of infrastructure failures, or if the Services generate traffic deemed abnormal.

https://www.kashflo.fr and the web host shall not be held liable in the event of a malfunction of the Internet, telephone lines, or computer and telephone equipment—particularly due to network congestion that prevents access to the server.

5. Intellectual Property and Infringement.

https://www.kashflo.fr owns the intellectual property rights and holds the rights to use all content accessible on the website, including text, images, graphics, logos, videos, icons, and sounds. Any reproduction, display, modification, publication, or adaptation of all or part of the website’s content, regardless of the means or method used, is prohibited without prior written authorization from: https://www.kashflo.fr.

Any unauthorized use of the website or any of the elements it contains will be considered an act of infringement and will be prosecuted in accordance with the provisions of Articles L.335-2 et seq. of the Intellectual Property Code.

6. Limitations of Liability.

https://www.kashflo.fr acts as the publisher of the website. https://www.kashflo.fr is responsible for the quality and accuracy of the content it publishes.

https://www.kashflo.fr shall not be held liable for any direct or indirect damage caused to the user’s equipment while accessing the https://www.kashflo.fr website, resulting either from the use of equipment that does not meet the specifications set forth in Section 4 or from the occurrence of a bug or incompatibility.

https://www.kashflo.fr shall also not be held liable for any consequential damages (such as, for example, loss of business or loss of opportunity) resulting from the use of the https://www.kashflo.fr website. Interactive features (such as the ability to ask questions in the contact section) are available to users. https://www.kashflo.fr reserves the right to remove, without prior notice, any content posted in this section that violates applicable French law, particularly provisions regarding data protection. Where applicable, https://www.kashflo.fr also reserves the right to hold the user civilly and/or criminally liable, particularly in the event of messages of a racist, abusive, defamatory, or pornographic nature, regardless of the medium used (text, photograph, etc.).

7. Management of Personal Data.

The Customer is informed of the regulations concerning marketing communications, the Law of June 21, 2014 on Confidence in the Digital Economy, the Data Protection Act of August 6, 2004, and the General Data Protection Regulation (GDPR: No. 2016-679).

7.1 Parties Responsible for Collecting Personal Data

For Personal Data collected in connection with the creation of the User’s personal account and the User’s browsing activity on the Site, the controller of the Personal Data is: Kashflo. https://www.kashflo.frest, represented by Alexandre LE LAY, its legal representative

As the data controller for the data it collects, https://www.kashflo.fr is committed to complying with the applicable legal framework. In particular, it is the Client’s responsibility to establish the purposes of its data processing, to provide its prospects and customers—based on their consent—with complete information regarding the processing of their personal data, and to maintain a record of processing activities that accurately reflects the actual processing. Whenever https://www.kashflo.fr processes Personal Data, https://www.kashflo.fr takes all reasonable measures to ensure the accuracy and relevance of the Personal Data in light of the purposes for which https://www.kashflo.fr processes it.

7.2 Purpose of the Collected Data

https://www.kashflo.fr may process all or part of the data:

  • to enable navigation on the Site and the management and tracking of products and services ordered by the user: data regarding login and use of the Site, billing, order history, etc.
  • to prevent and combat computer fraud (spamming, hacking, etc.): computer hardware used for browsing, IP address, password (hashed)
  • to improve navigation on the Site: connection and usage data
  • to conduct optional satisfaction surveys on https://www.kashflo.fr: email address
  • to conduct communication campaigns (text messages, email): phone number, email address

https://www.kashflo.fr does not sell your personal data, which is therefore used only as necessary or for statistical and analytical purposes.

7.3 Right of Access, Rectification, and Objection

In accordance with current European regulations, users of https://www.kashflo.fr have the following rights:

  • the right of access (Article 15 of the GDPR) and rectification (Article 16 of the GDPR), as well as the right to update and ensure the completeness of Users’ data; the right to restrict processing or erase Users’ personal data (Article 17 of the GDPR) when such data is inaccurate, incomplete, ambiguous, outdated, or where the collection, use, disclosure, or retention of such data is prohibited
  • the right to withdraw consent at any time (Article 13(2)(c) of the GDPR)
  • Right to restrict the processing of Users' data (Article 18 of the GDPR)
  • Right to object to the processing of Users' data (Article 21 of the GDPR)
  • the right to data portability for data provided by Users, when such data is subject to automated processing based on their consent or on a contract (Article 20 of the GDPR)
  • the right to determine what happens to their data after their death and to choose whether https://www.kashflo.fr should (or should not) disclose their data to a third party they have previously designated

As soon as https://www.kashflo.fr becomes aware of a User’s death and in the absence of instructions from the User, https://www.kashflo.fr undertakes to delete the User’s data, unless retaining such data is necessary for evidentiary purposes or to comply with a legal obligation.

If the User wishes to know how https://www.kashflo.fr uses their Personal Data, request that it be corrected, or object to its processing, the User may contact https://www.kashflo.fr in writing at the following address:

Kashflo – DPO, Alexandre LE LAY
16 Rue Cuvier, 69006 Lyon.

In this case, the User must specify the Personal Data that he or she would like https://www.kashflo.fr to correct, update, or delete, and must provide proof of identity by submitting a copy of an identification document (ID card or passport).

Requests to delete Personal Data will be subject to the obligations imposed on https://www.kashflo.fr by law, particularly with regard to the retention or archiving of documents. Finally, Users of https://www.kashflo.fr may file a complaint with the supervisory authorities, including the CNIL (https://www.cnil.fr/fr/plaintes).

7.4 Non-Disclosure of Personal Data

https://www.kashflo.fr does not process, host, or transfer the information collected about its customers to a country outside the European Union or recognized as “inadequate” by the European Commission without first informing the customer. However, https://www.kashflo.fr retains the freedom to choose its technical and commercial processors, provided that they offer sufficient safeguards in accordance with the requirements of the General Data Protection Regulation (GDPR: No. 2016-679).

https://www.kashflo.fr is committed to taking all necessary precautions to ensure the security of the Information and, in particular, to prevent it from being disclosed to unauthorized persons. However, if an incident affecting the integrity or confidentiality of the Customer’s Information is brought to the attention of https://www.kashflo.fr, the latter must inform the Customer as soon as possible and notify the Customer of the corrective measures taken. Furthermore, https://www.kashflo.fr does not collect any “sensitive data.”

The User’s Personal Data may be processed by subsidiaries of https://www.kashflo.fr and by subcontractors (service providers), solely for the purposes set forth in this policy.

Within the scope of their respective responsibilities and for the purposes outlined above, the main individuals who may have access to the data of https://www.kashflo.fr users are primarily our customer service representatives.

8. Incident Report

No matter how much effort is made, no method of transmission over the Internet or electronic storage is completely secure. We therefore cannot guarantee absolute security. If we become aware of a security breach, we will notify the affected users so that they can take appropriate action. Our incident notification procedures take into account our legal obligations, whether at the national or European level. We are committed to fully informing our customers of all matters related to the security of their accounts and to providing them with all the necessary information to help them comply with their own regulatory reporting obligations.

No personal information about users of the https://www.kashflo.fr website is published without the user's knowledge, exchanged, transferred, assigned, or sold in any form to third parties. Only in the event of a takeover of https://www.kashflo.fr and its rights would the transmission of such information to the potential purchaser be permitted; the purchaser would, in turn, be bound by the same obligation to protect and modify data with respect to users of the https://www.kashflo.fr website.

Safety

To ensure the security and confidentiality of Personal Data and Health Personal Data, https://www.kashflo.fr uses networks protected by standard security measures such as firewalls, pseudonymization, encryption, and passwords.

When processing Personal Data, https://www.kashflo.frprendtakes all reasonable measures to protect it against loss, misuse, unauthorized access, disclosure, alteration, or destruction.

9. Hyperlinks, “cookies,” and web beacons (“tags”)

The https://www.kashflo.fr website contains a number of hyperlinks to other websites, which have been included with the permission of https://www.kashflo.fr. However, https://www.kashflo.fr is unable to verify the content of the websites accessed through these links and, consequently, assumes no liability in this regard.

Unless you choose to disable cookies, you agree that the site may use them. You may disable these cookies at any time, free of charge, using the opt-out options provided to you and outlined below; please note that doing so may limit or prevent access to all or part of the Services offered by the site.

9.1. “COOKIES”

A “cookie” is a small data file sent to the User’s browser and stored on the User’s device (e.g., computer, smartphone) (hereinafter “Cookies”). This file contains information such as the User’s domain name, the User’s Internet service provider, the User’s operating system, and the date and time of access. Cookies cannot, under any circumstances, damage the User’s device.

https://www.kashflo.fr may process information about the User’s visit to the Site, such as the pages viewed and searches performed. This information enables https://www.kashflo.fr to improve the Site’s content and the User’s browsing experience.

Since cookies facilitate navigation and/or the provision of the services offered by the Site, the User may configure their browser to allow them to decide whether or not to accept cookies so that cookies are stored on their device or, conversely, are rejected—either systematically or based on the issuer. The User may also configure their browser so that they are prompted to accept or reject cookies on a case-by-case basis, before a cookie is likely to be stored on their device. https://www.kashflo.fr informs the User that, in this case, not all features of their browser may be available.

If the User refuses to allow cookies to be stored on their device or in their browser, or if the User deletes the cookies stored there, the User is advised that their browsing and experience on the Site may be limited. This may also be the case when https://www.kashflo.fr or one of its service providers is unable to recognize—for technical compatibility purposes—the type of browser used by the device, the language and display settings, or the country from which the device appears to be connected to the Internet.

In such cases, https://www.kashflo.fr disclaims all liability for any consequences resulting from the impaired functioning of the Site and any services offered by https://www.kashflo.fr, arising from (i) the User’s refusal of cookies, or (ii) https://’swww.kashflo.fr to store or access the cookies necessary for their operation due to the User’s choice. Each browser has different settings for managing cookies and the User’s preferences. These settings are described in the browser’s help menu, which explains how the User can modify their cookie preferences.

At any time, the User may choose to specify and modify their preferences regarding cookies. https://www.kashflo.fr may also use the services of third-party providers to assist in collecting and processing the information described in this section.

Finally, by clicking on the icons for the social media platforms Twitter, Facebook, LinkedIn, and Google Plus that appear on the https://www.kashflo.fr website or in its mobile app—and if the User has accepted the use of cookies by continuing to browse the https://www.kashflo.fr website or mobile app— Twitter, Facebook, LinkedIn, and Google+ may also place cookies on your devices (computer, tablet, cell phone).

These types of cookies are placed on your devices only if you consent to them by continuing to browse the https://www.kashflo.fr website or mobile app. However, you may withdraw your consent for https://www.kashflo.fr to place these types of cookies at any time.

Article 9.2. INTERNET TAGS

https://www.kashflo.fr may occasionally use web beacons (also known as “tags,” or action tags, single-pixel GIFs, transparent GIFs, invisible GIFs, and one-to-one GIFs) and deploy them through a web analytics partner that may be located (and therefore store the corresponding information, including the User’s IP address) in a foreign country.

These tags are placed both in the online ads that allow users to access the Site and on the Site’s various pages.

This technology allows https://www.kashflo.fr to evaluate visitors’ responses to the Site and the effectiveness of its actions (for example, the number of times a page is viewed and the information accessed), as well as the User’s use of this Site.

The third-party service provider may collect information about visitors to the Site and other websites using these tags, compile reports on Site activity for https://www.kashflo.fr, and provide other services related to the use of the Site and the Internet.

10. Contact forms.

When you use a contact form on the website https://www.kashflo.fr, the information you provide is used solely to respond to the request you made when you contacted us. Your data is not used for commercial purposes and is not sold. You may exercise your rights of access, rectification, and objection as described in paragraph 7.3.

11. Third-Party Services.

11.1 Real Cookie Banner

Real Cookie Banner asks visitors tothehttps://www.kashflo.fr website for their consent to set cookies and process personal data. To this end, a UUID (“Universally Unique Identifier”) is assigned to each visitor to the website, which remains valid until the cookie expires, in order to store the consent. Cookies are used to test whether cookies can be set, to store the reference to the documented consent, to store the services and service groups for which the visitor has given consent, and—if consent is obtained through the Transparency & Consent Framework (TCF)—to store the consent, purposes, specific purposes, features, and special characteristics with TCF partners. As part of the disclosure obligation under the GDPR, the consent collected is fully documented. This includes, in addition to the services and service groups to which the visitor has consented—and if consent is obtained in accordance with the TCF standard—the TCF partners, purposes, and features to which the visitor has consented, all cookie banner settings at the time of consent, as well as the technical circumstances (e.g., the size of the displayed area at the time of consent) and the user’s interactions (e.g., clicking buttons) that led to the consent. Consent is collected once per language and remains valid for 365 days.

11.2 WordPress Emojis

WordPress Emojis is a set of emojis loaded from wordpress.org when an older browser is used, which would not be able to display emojis without the integration of this service. This requires the processing of the user’s IP address and metadata. No cookies or similar technologies are installed on the user’s device.

11.3 Google Fonts

Google Fonts allows fonts to be embedded in websites to enhance the user experience without installing the fonts on your device. This requires the processing of the user’s IP address and metadata. No cookies or similar technologies are installed on the user’s device. The data may be used to track the websites visited and to improve Google’s services. It may also be used for profiling, e.g., to provide you with personalized services, such as ads based on your interests or recommendations. Google provides personal information to its affiliates and other trusted businesses or individuals so that they may process it on Google’s behalf, based on Google’s instructions and in accordance with Google’s Privacy Policy.

12. Governing Law and Jurisdiction.

Any dispute arising from the use of the https://www.kashflo.fr website is governed by French law. Except where prohibited by law, exclusive jurisdiction is conferred upon the competent courts of Lyon.