{"id":406,"date":"2026-08-13T19:05:43","date_gmt":"2026-08-13T17:05:43","guid":{"rendered":"https:\/\/valgestio.com\/?page_id=406"},"modified":"2026-08-13T19:09:51","modified_gmt":"2026-08-13T17:09:51","slug":"conditions-generales-dutilisation-cgu","status":"publish","type":"page","link":"https:\/\/valgestio.com\/index.php\/conditions-generales-dutilisation-cgu\/","title":{"rendered":"Conditions G\u00e9n\u00e9rales d\u2019Utilisation (CGU)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"406\" class=\"elementor elementor-406\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0c4f30 e-flex e-con-boxed e-con e-parent\" data-id=\"d0c4f30\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-045a0b7 elementor-widget elementor-widget-text-editor\" data-id=\"045a0b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-path-to-node=\"5\">1. Objet<\/h2><p data-path-to-node=\"6\">Les pr\u00e9sentes Conditions G\u00e9n\u00e9rales d\u2019Utilisation (ci-apr\u00e8s \u00ab <b data-path-to-node=\"6\" data-index-in-node=\"61\">CGU<\/b> \u00bb) ont pour objet de d\u00e9finir les modalit\u00e9s et conditions dans lesquelles la soci\u00e9t\u00e9 <b data-path-to-node=\"6\" data-index-in-node=\"149\">VALGESTIO<\/b> (ci-apr\u00e8s \u00ab <b data-path-to-node=\"6\" data-index-in-node=\"171\">l\u2019\u00c9diteur<\/b> \u00bb) met \u00e0 disposition des utilisateurs (ci-apr\u00e8s \u00ab <b data-path-to-node=\"6\" data-index-in-node=\"231\">l\u2019Utilisateur<\/b> \u00bb) le site internet accessible \u00e0 l\u2019adresse <a class=\"ng-star-inserted\" href=\"https:\/\/www.google.com\/search?q=https:\/\/valgestio.com\/\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwif9syliZ6WAxUAAAAAHQAAAAAQoQE\">https:\/\/valgestio.com\/<\/a> (ci-apr\u00e8s \u00ab <b data-path-to-node=\"6\" data-index-in-node=\"323\">le Site<\/b> \u00bb), ainsi que les services qui y sont propos\u00e9s.<\/p><p data-path-to-node=\"7\">L\u2019acc\u00e8s et l\u2019utilisation du Site impliquent l\u2019acceptation pleine et enti\u00e8re sans r\u00e9serve des pr\u00e9sentes CGU par l\u2019Utilisateur.<\/p><h2 data-path-to-node=\"9\">2. Acc\u00e8s au Site<\/h2><p data-path-to-node=\"10\">Le Site est accessible gratuitement en tout lieu \u00e0 tout Utilisateur ayant un acc\u00e8s \u00e0 Internet. Tous les frais support\u00e9s par l\u2019Utilisateur pour acc\u00e9der au service (mat\u00e9riel informatique, logiciels, connexion Internet, etc.) sont \u00e0 sa charge.<\/p><p data-path-to-node=\"11\">L\u2019\u00c9diteur met en \u0153uvre tous les moyens raisonnables \u00e0 sa disposition pour assurer un acc\u00e8s de qualit\u00e9 au Site, mais n\u2019est tenu \u00e0 aucune obligation d\u2019y parvenir. L\u2019acc\u00e8s au Site ou \u00e0 ses services peut \u00e0 tout moment faire l\u2019objet d\u2019une interruption, d\u2019une suspension ou d\u2019une modification sans pr\u00e9avis pour des raisons de maintenance ou pour tout autre cas de force majeure.<\/p><h2 data-path-to-node=\"13\">3. Services propos\u00e9s &amp; Outils de simulation<\/h2><p data-path-to-node=\"14\">Le Site VALGESTIO propose des services d&rsquo;information, d\u2019accompagnement et d\u2019interm\u00e9diation financi\u00e8re, notamment :<\/p><ul data-path-to-node=\"15\"><li><p data-path-to-node=\"15,0,0\">La pr\u00e9sentation des solutions de cr\u00e9dit et de financement.<\/p><\/li><li><p data-path-to-node=\"15,1,0\">Un simulateur de cr\u00e9dit en ligne et des outils de calcul d&rsquo;amortissement.<\/p><\/li><li><p data-path-to-node=\"15,2,0\">Un formulaire de demande de cr\u00e9dit et de mise en relation.<\/p><\/li><\/ul><h3 data-path-to-node=\"16\">Avertissement relatif aux simulations :<\/h3><p data-path-to-node=\"17\">Les simulations de cr\u00e9dit et calculs d&rsquo;\u00e9ch\u00e9ancier effectu\u00e9s sur le Site sont fournis <b data-path-to-node=\"17\" data-index-in-node=\"85\">\u00e0 titre purement indicatif et non contractuel<\/b>. Ils ne constituent en aucun cas une offre ferme ou un engagement de la part de VALGESTIO ou de ses partenaires financiers. L\u2019octroi d\u00e9finitif d&rsquo;un financement reste soumis \u00e0 l&rsquo;\u00e9tude approfondie des pi\u00e8ces justificatives et \u00e0 l&rsquo;acceptation expresse du dossier par les organismes pr\u00eateurs.<\/p><blockquote data-path-to-node=\"18\"><p data-path-to-node=\"18,0\"><b data-path-to-node=\"18,0\" data-index-in-node=\"0\">Rappel l\u00e9gal :<\/b> <i data-path-to-node=\"18,0\" data-index-in-node=\"15\">Un cr\u00e9dit vous engage et doit \u00eatre rembours\u00e9. V\u00e9rifiez vos capacit\u00e9s de remboursement avant de vous engager.<\/i><\/p><\/blockquote><h2 data-path-to-node=\"20\">4. Propri\u00e9t\u00e9 Intellectuelle<\/h2><p data-path-to-node=\"21\">L\u2019ensemble des \u00e9l\u00e9ments figurant sur le Site (structure g\u00e9n\u00e9rale, textes, logos, images, graphismes, simulateurs, code source, marques) est la propri\u00e9t\u00e9 exclusive de VALGESTIO ou de ses partenaires et est prot\u00e9g\u00e9 par le droit de la propri\u00e9t\u00e9 intellectuelle en vigueur.<\/p><p data-path-to-node=\"22\">Toute reproduction, repr\u00e9sentation, modification, publication ou adaptation de tout ou partie des \u00e9l\u00e9ments du Site, quel que soit le moyen ou le proc\u00e9d\u00e9 utilis\u00e9, est interdite sans l&rsquo;autorisation \u00e9crite pr\u00e9alable de VALGESTIO.<\/p><h2 data-path-to-node=\"24\">5. Donn\u00e9es Personnelles (RGPD)<\/h2><p data-path-to-node=\"25\">Dans le cadre de l\u2019utilisation du Site et de l&rsquo;envoi de formulaires de demande, VALGESTIO collecte des donn\u00e9es \u00e0 caract\u00e8re personnel relatives \u00e0 l\u2019Utilisateur.<\/p><p data-path-to-node=\"26\">Le traitement de ces donn\u00e9es est effectu\u00e9 dans le respect du R\u00e8glement G\u00e9n\u00e9ral sur la Protection des Donn\u00e9es (RGPD) et de la loi Informatique et Libert\u00e9s. Pour en savoir plus sur la gestion de vos donn\u00e9es et l&rsquo;exercice de vos droits (acc\u00e8s, rectification, suppression), veuillez consulter notre <a class=\"ng-star-inserted\" href=\"https:\/\/valgestio.com\/index.php\/politique-de-confidentialite-rgpd\/\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwif9syliZ6WAxUAAAAAHQAAAAAQogE\">Politique de Confidentialit\u00e9<\/a>.<\/p><h2 data-path-to-node=\"28\">6. Limite de Responsabilit\u00e9<\/h2><p data-path-to-node=\"29\">Les sources des informations diffus\u00e9es sur le Site sont r\u00e9put\u00e9es fiables, mais l\u2019\u00c9diteur ne garantit pas qu\u2019il soit exempt de d\u00e9fauts, d\u2019erreurs ou d\u2019omissions.<\/p><p data-path-to-node=\"30\">L\u2019\u00c9diteur ne pourra \u00eatre tenu responsable :<\/p><ul data-path-to-node=\"31\"><li><p data-path-to-node=\"31,0,0\">Des dommages directs ou indirects caus\u00e9s au mat\u00e9riel de l\u2019Utilisateur lors de l\u2019acc\u00e8s au Site.<\/p><\/li><li><p data-path-to-node=\"31,1,0\">De toute d\u00e9cision prise par l\u2019Utilisateur sur la base des informations ou des simulations contenues sur le Site.<\/p><\/li><li><p data-path-to-node=\"31,2,0\">Des dysfonctionnements du r\u00e9seau Internet ou des serveurs emp\u00eachant l&rsquo;acc\u00e8s au Site.<\/p><\/li><\/ul><h2 data-path-to-node=\"33\">7. Liens Hypertextes<\/h2><p data-path-to-node=\"34\">Le Site peut contenir des liens hypertextes vers d\u2019autres sites internet \u00e9dit\u00e9s par des tiers. VALGESTIO n&rsquo;exerce aucun contr\u00f4le sur ces sites et d\u00e9cline toute responsabilit\u00e9 quant \u00e0 leur contenu ou aux pratiques de confidentialit\u00e9 de ces \u00e9diteurs tiers.<\/p><h2 data-path-to-node=\"36\">8. Modification des CGU<\/h2><p data-path-to-node=\"37\">VALGESTIO se r\u00e9serve le droit de modifier les clauses des pr\u00e9sentes CGU \u00e0 tout moment et sans pr\u00e9avis afin de les adapter aux \u00e9volutions du Site ou de la r\u00e9glementation en vigueur. L\u2019Utilisateur est invit\u00e9 \u00e0 consulter r\u00e9guli\u00e8rement cette page.<\/p><h2 data-path-to-node=\"39\">9. Droit Applicable et Juridiction Comp\u00e9tente<\/h2><p data-path-to-node=\"40\">Les pr\u00e9sentes CGU sont r\u00e9gies par le droit fran\u00e7ais. En cas de litige ou de contestation relatif \u00e0 l\u2019interpr\u00e9tation ou \u00e0 l\u2019ex\u00e9cution des pr\u00e9sentes, et \u00e0 d\u00e9faut d&rsquo;accord amiable entre les parties, les tribunaux comp\u00e9tents de Lyon seront seuls habilit\u00e9s \u00e0 trancher.<\/p><h2 data-path-to-node=\"42\">10. Contact<\/h2><p data-path-to-node=\"43\">Pour toute question relative aux pr\u00e9sentes Conditions G\u00e9n\u00e9rales d\u2019Utilisation ou pour toute demande concernant le Site, vous pouvez nous contacter :<\/p><ul data-path-to-node=\"44\"><li><p data-path-to-node=\"44,0,0\"><b data-path-to-node=\"44,0,0\" data-index-in-node=\"0\">Par email :<\/b> <a class=\"ng-star-inserted\" href=\"https:\/\/www.google.com\/search?q=mailto%3Acontact%40valgestio.com\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwif9syliZ6WAxUAAAAAHQAAAAAQowE\">contact@valgestio.com<\/a><\/p><\/li><li><p data-path-to-node=\"44,1,0\"><b data-path-to-node=\"44,1,0\" data-index-in-node=\"0\">Par t\u00e9l\u00e9phone :<\/b> 06 45 13 86 76<\/p><\/li><li><p data-path-to-node=\"44,2,0\"><b data-path-to-node=\"44,2,0\" data-index-in-node=\"0\">Par courrier :<\/b> VALGESTIO \u2013 16 rue Cuvier, 69006 Lyon, France<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>1. Objet Les pr\u00e9sentes Conditions G\u00e9n\u00e9rales d\u2019Utilisation (ci-apr\u00e8s \u00ab CGU \u00bb) ont pour objet de d\u00e9finir les modalit\u00e9s et conditions dans lesquelles la soci\u00e9t\u00e9 VALGESTIO (ci-apr\u00e8s \u00ab l\u2019\u00c9diteur \u00bb) met \u00e0 disposition des utilisateurs (ci-apr\u00e8s \u00ab l\u2019Utilisateur \u00bb) le site internet accessible \u00e0 l\u2019adresse https:\/\/valgestio.com\/ (ci-apr\u00e8s \u00ab le Site \u00bb), ainsi que les services qui [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-406","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Conditions G\u00e9n\u00e9rales d\u2019Utilisation (CGU) - VALGESTIO<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/valgestio.com\/index.php\/conditions-generales-dutilisation-cgu\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Conditions G\u00e9n\u00e9rales d\u2019Utilisation (CGU) - VALGESTIO\" \/>\n<meta property=\"og:description\" content=\"1. 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