1. Company identity
- Company name: LENDOVIA is a brand of CA Consumer Finance
- Legal form: SA (Société Anonyme — French public limited company)
- Share capital: €168,480,046
- Registration number (RCS): 542 097 522 RCS Évry
- Intra-Community VAT number: FR 84 542 097 522
2. Registered office and contact details
- Registered office address: 1 rue Victor Basch, 91300 Massy, France
- Contact email: complaints@lendovia.eu
3. Authorisation to operate
Lendovia carries out its activity as a lender under the authorisation of:
- Competent authority: ACPR (Autorité de Contrôle Prudentiel et de Résolution), 4 place de Budapest, CS 92459, 75436 Paris Cedex 09
- Licence number: 542 097 522
- ORIAS number: 07 008 079
4. Publication director and site manager
- Publication director: Frédéric Montagnon — Chief Executive Officer
- Editor-in-chief: Nicolas Brien — Marketing and Communications Director
5. Site host
- Name / Company name: CA Consumer Finance — Information Systems Division
- Address: 1 rue Victor Basch — CS 70001, 91068 Massy Cedex, France
- Email: security@lendovia.eu
6. Terms of use of the site
This website lendovia.eu is accessible free of charge to any user with internet access. Use of the site implies full and unreserved acceptance of this legal information.
Lendovia reserves the right to modify, supplement or update this legal information at any time, without notice. Users are invited to consult it regularly.
Access to the site may be interrupted at any time by Lendovia, in particular for maintenance, update, or any other technical reason, without this giving rise to any entitlement to compensation.
7. Privacy policy and personal data protection
In accordance with the General Data Protection Regulation (GDPR — EU Regulation 2016/679) and the amended French Data Protection Act of 6 January 1978, Lendovia is committed to protecting the personal data of its users.
- Data controller: CA Consumer Finance, 1 rue Victor Basch, 91300 Massy
- Data Protection Officer (DPO): dpo@lendovia.eu
- Purposes of processing: managing credit applications, managing the client relationship, commercial prospecting (with consent), legal and regulatory obligations.
- Data retention period: personal data is retained for the duration of the contractual relationship, then archived in accordance with legal obligations (5 years for accounting records, 10 years for credit agreements).
- Data recipients: internal departments of CA Consumer Finance, banking partners within the Crédit Agricole group, technical service providers and processors involved in file management.
- Transfers outside the EU: no personal data transfers are made outside the European Union. If necessary, appropriate safeguards (standard contractual clauses, adequacy decisions) would be implemented in accordance with the GDPR.
In accordance with applicable regulations, you have a right of access, rectification, erasure, restriction, portability and objection regarding your personal data. You may exercise these rights by writing to: dpo@lendovia.eu.
You also have the right to lodge a complaint with the competent supervisory authority: CNIL (Commission Nationale de l'Informatique et des Libertés), www.cnil.fr.
8. Intellectual property
All the elements making up the lendovia.eu site — text, images, illustrations, logos, icons, photographs, videos, software, databases, site structure, graphic design — are protected by intellectual property law and remain the exclusive property of CA Consumer Finance or its partners.
Any reproduction, representation, modification, publication or adaptation, in whole or in part, of any of these elements, by any means or process whatsoever, is prohibited without the prior written authorisation of CA Consumer Finance.
Any unauthorised use would constitute an infringement punishable under Articles L. 335-2 et seq. of the French Intellectual Property Code.
9. Credit-related information
In accordance with applicable regulations, the following information is brought to users' attention:
- Annual Percentage Rate (APR): fixed APR of 3.50%. Fixed borrowing rate: 3.45%. For a loan of €10,000 over 48 months: 48 monthly payments of €223.58. Total amount due: €10,731.84. Total cost of credit: €731.84.
- Early repayment conditions: early repayment is possible at any time, in whole or in part, in accordance with Articles L. 312-34 et seq. of the French Consumer Code. Any compensation may not exceed 1% of the amount repaid early (or 0.5% if the remaining term is less than one year).
- Borrower insurance: optional. The borrower may take out borrower insurance from the insurer of their choice. The cost of insurance depends on the borrower's profile and the guarantees chosen.
Regulatory notice
Taking out credit commits you and it must be repaid. Check your repayment capacity before committing.
10. Mediation and complaints
For any complaint relating to the services offered by Lendovia, you can contact our complaints department:
- Complaints department: complaints@lendovia.eu — CA Consumer Finance, Complaints Department, 1 rue Victor Basch, 91300 Massy
If the response is unsatisfactory or there is no response within two months, you may refer the matter free of charge to the consumer mediator:
- Mediator: Mediator of the ASF (Association française des Sociétés Financières)
- Address: Mediator of the ASF, 75854 Paris Cedex 17
- Website: https://lemediateur.asf-france.com/
11. Applicable law and competent jurisdiction
This legal information is governed by French law. In the event of a dispute, and after attempting an amicable resolution, the courts of Massy shall have sole jurisdiction.