Balmont Conseil, a reputable consulting firm, is subject to certain legal requirements. As a professional entity, it is committed to complying with all applicable legal obligations.<\/p>\n\n\n\n
The BALMONT CONSEIL website (hereinafter "the Site"), accessible at: https:\/\/balmontconseil.com, is published by BALMONT CONSEIL (hereinafter "the Publisher"), a simplified joint-stock company (SAS) with a capital of 450 euros, whose registered office is located at 80 RUE DOCTEUR EDMOND LOCARD, 69005 LYON, France. It is registered with the Lyon Trade and Companies Register under number 790249452, APE code 7022Z. Intra-Community VAT number: FR 80 790 249 452.<\/p>\n\n\n\n
The publisher is listed as:<\/strong> The BALMONT CONSEIL website is hosted by o2switch, Chemin des Pardiaux, 63000 Clermont-Ferrand, France. (Article 325-12-1 of the AMF General Regulation and AMF Instruction No. 2012-07 of 13\/07\/12 - Updated 24\/04\/13, 20\/11\/13 and 17\/10\/2014) \u2013 a maximum of two months between the date of receipt of the complaint and the date of sending the response to the customer, except in the event of duly justified special circumstances. In accordance with the provisions of Law No. 78-17 of 6 January 1978 as amended, relating to information technology, files and freedoms, the user is informed that the Publisher collects and processes personal data when connecting to the Site. The user is informed that he has a right to access, query, modify and delete information concerning him, to be exercised at any time with the Publisher either directly on the Site, or by post addressed to 80 RUE DOCTEUR EDMOND LOCARD, 69005 LYON or by email to contact@balmontconseil.com. The Site may use the \u201ccookie\u201d technique as defined by the CNIL of the<\/strong> All trademarks, photographs, texts, comments, illustrations, animated or non-animated images, video sequences, sounds, as well as all computer applications that may be used to operate the Site, and more generally all elements reproduced or used on the Site, are protected by the laws in force under intellectual property law. Use is permitted only for private purposes within a family circle and any other use constitutes infringement and\/or violation of related rights, punishable under the Intellectual Property Code. The sources of information published on the website https:\/\/balmontconseil.com are considered reliable, but the website does not guarantee that it is free from defects, errors or omissions. The Site may contain hyperlinks to other websites published and managed by third parties and not by the Publisher. The Publisher shall not be held liable, directly or indirectly, if said third-party websites fail to comply with legal provisions. Hyperlinks to the Site may only be created with the Publisher's prior written authorization.<\/p>\n\n\n\n Any dispute relating to the use of the website https:\/\/balmontconseil.com is governed by French law. Except where prohibited by law, exclusive jurisdiction is granted to the competent courts of Lyon.<\/p>\n\n\n\n Download the DERs<\/strong> (Onboarding documents)<\/p>\n\n\n\n Client Onboarding Document (DER-01) \u2013 version 2026<\/a><\/p>\n\n\n\n
\u2022 CIF (Financial Investment Advisor): capable of providing investment advice in a non-independent manner within the meaning of article 325-5 of the RGAMF, registered with the National Association of Financial Advisors-CIF (ANACOFI-CIF), an association approved by the Financial Markets Authority (AMF), postal address: 17 Place de la Bourse 75082 Paris cedex 02 and internet address: www.amf-france.org;
\u2022 Insurance Intermediary (IAS): Broker category type B, level 1 IDD, member of ANACOFI-COURTAGE. IAS activity is regulated by the Prudential Control and Resolution Authority (ACPR), postal address: 4 Place de Budapest, 75436 PARIS cedex 09 and website: http:\/\/www.acpr.banquefrance.fr\/accueil.html
\u2022 Your advisor also holds the professional card for real estate and business transactions without holding funds no. CPI 6901 2018 000 029 693 issued by the Chamber of Commerce and Industry of Auvergne Rh\u00f4ne on 31\/05\/2018.
Activity subject to inspection by the DGCCRF.
The Publisher can be contacted at the email address contact@balmontconseil.com or by phone. 06 01 77 32 96<\/strong>.<\/p>\n\n\n\nWEBSITE HOST<\/h2>\n\n\n\n
The hosting provider can be contacted by email at the following address: commercial@o2switch.fr.
He can also be reached at the following number: 04 44 44 60 40.<\/p>\n\n\n\nINFORMATION REGARDING THE HANDLING OF COMPLAINTS<\/h2>\n\n\n\n
How to contact the company: For any complaint, your advisor can be contacted as follows: By mail: Balmont Conseil, 80 rue Docteur Edmond Locard, 69005 Lyon \/ Telephone: +33 6 01 77 32 96 \/ Email: contact@balmontconseil.com
Complaints handling: Your advisor is committed to processing your complaint within the following timeframes:
\u2013 a maximum of ten working days from receipt of the complaint to acknowledge receipt, unless the response itself is provided to the customer within this period:<\/p>\n\n\n\n
If an amicable agreement cannot be reached, the parties may then inform the consumer mediator:
I \u2013 Competent mediator for disputes with a company: Anacofi Mediator, 92 rue d'Amsterdam, 75009 Paris
II \u2013 Competent mediators for disputes with a consumer:
\u2013 For CIF activities, contact Ms. Marielle Cohen-Branche, AMF Mediator, Financial Markets Authority, 17, place de la Bourse, 75082 Paris cedex 02. Website:
http:\/\/www.amf-france.org\/Le-mediateur-de-l-AMF\/Le-mediateur-mode-d-emploi\/Modes-desaisine.html
\u2013 For insurance-related matters: Insurance Mediation, TSA 50110, 75441 PARIS CEDEX 09. Website: http:\/\/www.mediation-assurance.org\/Saisir+le+mediateur
\u2013 For real estate activities: Consumer mediation \u2013 ANM Conso, 2 Rue de Colmar, 94300 Vincennes. Website: www.anm-conso.com\/anacofi-immo<\/p>\n\n\n\nCOLLECTION OF PERSONAL DATA<\/h2>\n\n\n\n
The data collected is primarily used to enable the Platform to be made available, optimized, and secured in order to offer users the highest quality service. Additional data may be collected by the Publisher to ensure the proper execution of commercial contracts concluded with the user through the Platform.<\/p>\n\n\n\n
The information collected may be shared with third parties residing in the European Union in the following cases:
\u2013 When the user publishes information accessible to the public in a comment area; ;
\u2013 When the user expressly consents; ;
\u2013 When required by law or in order to cooperate with a judicial investigation at the express request of a public authority holder; ;
\u2013 For the execution of commercial services for which the cooperation of a third party is necessary, in particular in the event that the Publisher chooses to subcontract some of its services through Third-Party Services.
When certain information is required to access specific features of the Site, the Publisher will indicate this requirement at the time of data entry.
The personal data collected will only be kept for as long as necessary to allow the proper use of the Site, prevent fraud and abuse, and meet the legal and regulatory obligations of the Publisher regarding the management of the Site.<\/p>\n\n\n\nCOOKIES<\/h2>\n\n\n\n
in the following way:<\/strong>
\u201d"A cookie is a small file stored by a server on a user's terminal (computer, phone, etc.) and associated with a web domain (that is, in most cases, with all the pages of the same website). This file is automatically sent back during subsequent interactions with the same domain.".
Cookies have multiple uses: they can be used to remember your customer ID on a merchant site, the current contents of your shopping cart, the display language of the web page, an identifier to track your browsing for statistical or advertising purposes, etc.
Information taken from the official CNIL website (https:\/\/www.cnil.fr\/fr\/glossaire)
These cookies are intended to facilitate user navigation and improve the quality of the service offered, by collecting statistical and traffic information.
The use of these cookies is brought to the user's attention via a banner requesting their consent. If the user consents, this consent is considered valid for a maximum period of thirteen (13) months. If the user does not consent to the use of cookies, the Publisher cannot guarantee an optimal experience on the Site. The following cookies are used on the Site: Google Analytics.<\/p>\n\n\n\nRESPECT FOR INTELLECTUAL PROPERTY<\/h2>\n\n\n\n
They are the sole and exclusive property of the Publisher or its partners, unless otherwise stated. Any reproduction, representation, use, or adaptation, in any form whatsoever, of all or part of these elements, including computer applications, without the prior written consent of the Publisher, is strictly prohibited. The Publisher's failure to take action upon becoming aware of such unauthorized uses does not constitute acceptance of said uses or a waiver of its right to pursue legal action.<\/p>\n\n\n\n
Reproduction of all or part of this content requires prior authorization from the Publisher or the rights holder of this content.<\/p>\n\n\n\nLINKS RESPONSIBILITIES<\/h2>\n\n\n\n
The information provided is for general informational purposes only and has no contractual value. Despite regular updates, the website https:\/\/balmontconseil.com cannot be held responsible for changes in administrative and legal provisions.
after publication. Similarly, the site cannot be held responsible for the use and interpretation of the information contained on this site.
The User is responsible for keeping their password secret. Any disclosure of the password, in any form whatsoever, is prohibited. The User assumes all risks associated with the use of their username and password. The website accepts no liability.
The website https:\/\/balmontconseil.com cannot be held liable for any viruses that may infect the user's computer or other IT equipment as a result of using, accessing, or downloading content from this site. The website cannot be held liable in cases of force majeure or unforeseeable and insurmountable events caused by a third party.<\/p>\n\n\n\nHYPERLINKS<\/h2>\n\n\n\n
APPLICABLE LAW AND JURISDICTION<\/h2>\n\n\n\n