Conditions générales de vente (CGV)
conditions générales d'utilisation (CGU)
et mentions légales
Conformément aux dispositions de la loi n° 2004-575 du 21 juin 2004 pour la confiance en l’économie numérique, il est précisé aux utilisateurs du site vounou.com l’identité des différents intervenants dans le cadre de sa réalisation et de son suivi.
Edition du site
Le site vounou.com est édité par la société Vounou LP, société enregistrée au 5 South Charlotte Street, Edinburgh EH2 4AN Scotland, United Kingdom son numéro d'identification est: SL036461.
Responsable de publication
Gomis Joakim
Nous contacter
Par email : contact@vounou.com
Par téléphone : 09 85 40 69 48
Hébergeur
Le site vounou.com est hébergé par la société GoDaddy.com, LLC
Adresse: 2155 E GoDaddy Way,
Tempe, Arizona 85284,United States
General Terms and Conditions OF SERVICE; vounou
Welcome to Vounou, the innovative online platform connecting credit seekers and individuals with excess savings ("Platform"). These General Terms and Conditions ("GTC") govern your use of the Platform and its services.
Throughout these GTC
"We," "us," or "our" refers to the operators of the Platform.
"User" or "you" refers to anyone accessing or using the Platform
Please read the Terms of Service carefully before you start to use the PLATFORM. By using the PLATFORM, opening an account or by clicking to accept or agree to the Terms of Service when this option is made available to you, you accept and agree, on behalf of yourself or on behalf of your employer or any other entity (if applicable), to be bound and abide by these Terms of Service . You further acknowledge, you have read and understood our Privacy Policy. If you do not want to agree to these Terms of Service or the Privacy Policy, you must not access or use the PLATFORM. For more detailed policies surrounding the activity and usage on the PLATFORM, please access the designated TERMS herein.
This PLATFORM is offered and available to users who are at least 18 years of age and of legal age to form a binding contract. If you are under 18 and at least 13 years of age, you are only permitted to use the PLATFORM through an account owned by a parent or legal guardian with their appropriate permission. If you are under 13 you are not permitted to use the PLATFORM or the VOUNOU services. By using the PLATFORM, you represent and warrant that you meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the PLATFORM
Our Customer Support team is available 24/7 if you have any questions regarding the PLATFORM or Terms of Service. Contacting our Customer Support team can be performed by submitting a request.
The original language of these Terms of Service, as well as all other texts throughout the PLATFORM, is English. VOUNOU makes this translation available for convenience only. In case of conflicts between the original English version and any translation, the English version shall prevail.
contents:
1. Platform registration and usage
a) Registration fee
b) Monthly subscription
c) Document drafting
d) Fee Adjustments
e) Payment
2. User obligations and responsibilities
a) Accurate information
b) Compliance with the laws
c) Non-permitted usage
d) Reporting violations
3. Personal Data protection
a) Privacy policy
4. Intellectual property Rights
a) Content ownership
b) Proprietary restrictions
5. Dispute resolution
6. Platform modifications
7. Platform operation and user interaction
a) Ad posting and verification
b) Reliability and Legitimacy
c) User initiated interaction
8. Geographic scope
9. Legal compliance
10. Miscellaneous
a) Entire agreement
b) Severability
c) Governing law
11. User account
12. Termination
a) Termination by user
b) Termination by vounou
13. Amendments
14. Contact us
15. Language and interpretation
16. Effective date
17. Disclaimer of warranties
18. Limitation on liability
1. Platform Registration and Usage
By registering and using the Platform, you agree to comply with these GTC.
Registration Fee: Credit seekers are invited to register on our platform with a non-refundable registration fee of €140. This initial contribution grants users access to Vounou's platform, allowing them to create profiles and post ads seeking credit opportunities.
Monthly Subscription: We offer a monthly subscription at a rate of €14. This subscription provides users with ongoing benefits, including managing their platform space, updating ads, and accessing new features aimed at enhancing their experience.
Document Drafting Assistance: For users who wish to utilize our service of drafting loan or debt acknowledgment contracts, we offer this option for an additional fee of €50. This service assists users in creating comprehensive and robust contracts for their financial transactions.
Fee Adjustments: All fees are subject to potential adjustments to reflect developments in our platform and services. We are committed to delivering exceptional value to our users while maintaining competitive rates.
Payment: All payments are to be made in euros (€) and can be made using the methods specified on our platform. Users are responsible for any transaction fees associated with their chosen payment method.
2. User Obligations and Responsibilities
Accurate Information: Users agree to provide accurate and complete information during the registration process and to keep their profiles updated. Vounou reserves the right to suspend or terminate accounts with misleading or inaccurate information. Users are responsible for the accuracy of information provided during registration and ad posting.
Compliance with Laws: Users shall adhere to all applicable laws and regulations while using our platform. Users shall not engage in fraudulent activities, impersonation, or violate any laws while using the Platform. Any illegal or fraudulent activities will result in immediate account suspension and possible legal actions.
User may receive a warning to their account for violations of our Terms of Service and/or Standards or any user misconduct reported to our Trust and Safety team. A warning will be sent to the user's email address and will be displayed for such user on the Site. Warnings do not limit account activity, but can lead to your account losing or becoming permanently disabled based on the severity of the violation.
Non-Permitted Usage
1. Inappropriate Behavior and Language: Communication on VOUNOU should be friendly, constructive, and professional. VOUNOU prohibits and condemns bullying, harassment, and hate speech towards others. We allow users a medium for which messages are exchanged between individuals, a system to interact and exchange ideas.
2. Phishing and Spam - Members’ security is a top priority. Any attempts to publish or send malicious content with the intent to compromise another member’s account or computer environment is strictly prohibited. Please respect our members privacy by not contacting them with offers outside these terms.
3. Privacy & Identity - You may not publish or post other people's private and confidential information.
4. Authentic VOUNOU Profile - You may not create a false identity on VOUNOU, misrepresent your identity, create a vounou profile for anyone other than yourself (a real person), or use or attempt to use another user’s account or information; Your profile information, including your description, skills, location, etc., must be accurate and complete and may not be misleading, illegal, offensive or otherwise harmful. Vounou reserves the right to require users to go through a verification process in order to use the Site whether by using ID, phone, camera, etc.
5. Property Claims - VOUNOU will respond to clear and complete notices of alleged copyright or trademark infringement, and/or violation of third party’s terms of service.
6. Fraud / Unlawful Use - You may not use the platform for any unlawful purposes or to conduct illegal activities.
7. Multiple Accounts - To prevent fraud and abuse, users are limited to one active Vounou account. Any additional account determined to be created to circumvent guidelines, promote competitive advantages, or mislead the platform and other users will be disabled. Mass account creation may result in disabling of all related accounts. Note: any violations of Vounou’s Terms of Service and/or our Community Standards is a cause for permanent suspension of all accounts.
8. Targeted Abuse - We do not tolerate users who engage in targeted abuse or harassment towards other users. This includes creating new multiple accounts to harass members through our message system.
9. Selling of account is highly prohibited as you may not buy or sale Vounou account.
Reporting Violations by users:
If you come across any content that may violate our Terms of Service and/or standards, you should report it to us through the appropriate channels created to handle those issues as outlined in our Terms of Service. All cases are reviewed by our Trust & Safety team. To protect individual privacy, the results of the investigation are not shared. You can review our Privacy Policy for more information.
3. Personal Data Protection
Privacy Policy: Users' personal information is collected, processed, and stored in accordance with our Privacy Policy. By using Vounou's platform, users consent to the collection and use of their data as outlined in the Privacy Policy.
4. Intellectual Property Rights
Content Ownership: Users retain ownership of the content they post on the platform. All content on the Platform, including text, images, and trademarks, are protected by intellectual property laws. However, users grant Vounou a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute such content for platform-related purposes.
Proprietary Restrictions
The platform, including its general layout, look and feel, design, information, content and other materials available thereon, is exclusively owned by Vounou and protected by copyright, trademark, and other intellectual property laws. Users have no right, and specifically agree not to do the following with respect to the platform or any part, component or extension of the platform:
a. use the Site in any manner that could damage, disable, overburden or impair the platform, or interfere with any other users’ enjoyment of the Site or
b. assemble, decompile, reverse engineer or otherwise attempt to derive its source code, underlying ideas, algorithms, structure or organization;
c. any copyright notice, identification or any other proprietary notices;
d. Use automation software (bots), hacks, modifications (mods) or any other unauthorized third-party software designed to modify the platform;
e. to gain unauthorized access to, interfere with, damage or disrupt the platform or the computer systems or networks connected to the Site;
f. circumvent, remove, alter, deactivate, degrade or thwart any technological measure or content protections of the platform;
g. Use any robot, spider, crawlers or other automatic device, process, software or queries that intercepts, “mines,” scrapes or otherwise accesses the Site to monitor, extract, copy or collect information or data from or through the Site, or engage in any manual process to do the same,
h. Introduce any viruses, trojan horses, worms, logic bombs or other materials that are malicious or technologically harmful into our systems,
i. copy, transfer, adapt, modify, distribute, transmit, display, create derivative works, publish or reproduce it, in any manner;
j. Access or use the Site in any way not expressly permitted by these Terms of Service. Users also agree not to permit or authorize anyone else to do any of the foregoing.
Except for the limited right to use the platform according to these Terms of Service, Vounou owns all right, title and interest in and to the platform (including any and all intellectual property rights therein) and you agree not to take any action(s) inconsistent with such ownership interests. We reserve all rights in connection with the platform and its content (other than User Generated Contents, UGC) including, without limitation, the exclusive right to create derivative works.
5. Dispute Resolution
Mediation and Arbitration: Any disputes arising from the use of our platform shall first be subject to mediation. If a resolution is not achieved, the dispute will be settled by arbitration in accordance with the rules of the designated arbitration authority.
6. Platform Modifications
Service Updates: VOUNOU reserves the right to modify, suspend, or discontinue any part of the platform, including features, fees, and services, at any time. Users will be notified of such changes via platform notifications or email.
7. Platform Operations and User Interactions
Ad Posting and Verification: Users wishing to post ads seeking credit opportunities will submit their content for review. Vounou's team will conduct a thorough verification process to ensure the reliability and legitimacy of the information provided. Ads will be posted online by our team upon successful verification.
Reliability and Legitimacy: VOUNOU is committed to maintaining a secure and trustworthy environment for users. Ads and profiles will be reviewed to ensure they meet quality standards and comply with guidelines, minimizing risks for potential investors.
User-Initiated Interactions: Interactions between credit seekers and potential investors will occur via our platform. Vounou does not facilitate direct funding but provides a secure channel for communication. Users are responsible for negotiating terms and conditions independently.
8. Geographic Scope
International Reach: VOUNOU facilitates connections across international borders. Users from diverse regions, including French-speaking areas, are welcome. Our commitment to transparency and compliance remains consistent across all jurisdictions.
9. Legal Compliance
UK Law and Scottish Law: VOUNOU, based in Scotland, operates under the legal framework established in the region. Adherence to UK law, particularly Scottish law, ensures compliance and legal foundation for cross-border interactions.
10. Miscellaneous
Entire Agreement: These General Terms and Conditions constitute the entire agreement between users and Vounou regarding the use of the platform, superseding any prior agreements or understandings.
Severability: If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Governing Law: These terms and user interactions shall be governed by and construed in accordance with the laws of Scotland. Any legal action arising from these GTC shall be subject to the jurisdiction of the courts in Scotland
11. User Accounts
Account Security: Users are responsible for maintaining the confidentiality of their account credentials. Any unauthorized use or suspected breach must be reported immediately to Vounou.
12. Termination
Termination by Users: Users may terminate their accounts at any time by following the instructions on the platform. Termination does not release users from obligations arising before termination.
Termination by Vounou: VOUNOU reserves the right to suspend or terminate user accounts, at its discretion, for violations of these terms, illegal activities, or any behavior detrimental to the platform's integrity.
13. Amendments
Updates to GTC: VOUNOU may update these General Terms and Conditions periodically. Users will be notified of changes through platform notifications or email. Continued use of the platform constitutes acceptance of the modified terms.
14. Contact Information
Communication: Users may contact Vounou for support, inquiries, or notices through the designated communication channels provided on the platform.
15. Language and Interpretation
Language: These terms are provided in English. Translations to other languages are for convenience only, and in case of discrepancies, the English version prevails.
16. Effective Date
Effective Date: These General Terms and Conditions are effective as of the 19th day of August 2023. All users are bound by these terms upon using the Vounou platform.
17. Disclaimer of Warranties
YOUR USE OF THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER VOUNOU NOR ANY PERSON ASSOCIATED WITH VOUNOU MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE SITE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
18. Limitation oN Liability
No Guarantee of Funding Success: Vounou does not guarantee the success of funding requests or the quality of potential investors. Users acknowledge that the platform's role is to facilitate connections and does not guarantee financial outcomes.
User Transactions: VOUNOU is not liable for any financial losses, disputes, or issues arising from transactions between users. Users engage in transactions at their own risk and discretion.
IN NO EVENT WILL VOUNOU, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.
Terms of Use of our platform
CONTENTS
1. ACCEPTANCE OF TERMS
2. ELIGIBILITY TO USE OUR PLATFORM
3. USER CONDUCT
4. ACCOUNT RESPONSIBILITY
5. FEES AND PAYMENT
6. CONTENT SUBMISSION
7. TERMINATION
8. DISPUTE RESOLUTION
9. MODIFICATIONS TO TERMS
10. ENTIRE AGREEMENT
11. CONTACT US
1. Acceptance of Terms
By accessing or using the Vounou platform, you agree to be bound by these Terms and Conditions of Platform Use ("Terms"). If you do not agree with these Terms, please refrain from using the platform.
2. Eligibility
Users must be at least 18 years old to use the Vounou platform. By using the platform, you represent that you are of legal age and have the legal capacity to enter into this agreement.
3. User Conduct
Users agree to use the platform solely for legal and legitimate purposes. Prohibited activities include, but are not limited to, engaging in fraud, misrepresentation, or violating intellectual property rights.
4. Account Responsibility
Users are responsible for maintaining the security of their account credentials. You agree to promptly notify Vounou of any unauthorized access or use of your account.
5. Fees and Payments
Users agree to pay the applicable fees for registration, subscription, and additional services as outlined on the platform. All payments are non-refundable unless otherwise specified.
6. Content Submission
By posting content on the platform, you grant Vounou a license to use, reproduce, modify, and distribute the content for platform-related purposes.
7. Termination
Vounou reserves the right to suspend or terminate user accounts for violations of these Terms, illegal activities, or actions detrimental to the platform's integrity.
8. Dispute Resolution
Any disputes arising from the use of the platform shall first be subject to mediation. If a resolution is not achieved, the dispute will be settled by arbitration in accordance with the rules of the designated arbitration authority.
9. Modifications to Terms
Vounou may update these Terms from time to time. Users will be notified of changes through platform notifications or email. Continued use of the platform constitutes acceptance of the modified terms.
10. Entire Agreement
These Terms constitute the entire agreement between users and Vounou regarding the use of the platform, superseding any prior agreements or understandings.
11. Contact Us
Users may contact Vounou for support, inquiries, or notices through the designated communication channels provided on the platform.
Nous nous tenons à votre disposition pour répondre à la moindre de vos interrogations et vous fournir l'ensemble des données cruciales pour vous guider avec assurance tout au long de votre parcours d'investissement. Votre succès financier est notre priorité, et nous sommes là pour vous accompagner à chaque étape.
Conditions générales de vente (CGV) et conditions générales d'utilisation (CGU)
"Vounou LP (« Vounou ») n'est pas soumise à la réglementation par une licence de services financiers. Lorsque vous choisissez d'investir par l'intermédiaire de la plateforme Vounou, vous acquérez des droits de créance sur des prêts entre particuliers. Il est essentiel de comprendre que les investissements dans ces créances de prêts comportent des risques inhérents.
Nous recommandons vivement la diversification de vos investissements afin de répartir le risque. De plus, il est primordial d'effectuer une évaluation approfondie des risques associés à chaque investissement. La décision d'investir relève de votre propre responsabilité, et il est impératif de prendre des décisions éclairées en tenant compte de votre tolérance au risque et de vos objectifs financiers.
Vounou s'efforce de fournir des informations transparentes et des opportunités d'investissement de qualité. Toutefois, il est essentiel de rappeler que tous les investissements comportent un certain niveau de risque, et il est important de prendre des décisions d'investissement en toute connaissance de cause.
Investir comporte des risques.
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