Conditions of use

General Terms and Conditions of Use (GTC)

Last updated: May 24, 2025

Welcome to the LCEFCIAL.fr website. These Terms of Use govern access to and use of the website accessible at https://lcefcial.fr.

By browsing our website or using our services, you fully accept these Terms of Use.

1.Purpose of the site

The LCEFCIAL.fr website offers a service connecting individuals with financial partners for loan simulations and applications (personal loans, mortgages, car loans, etc.). LCEFCIAL acts as a non-exclusive intermediary in banking transactions.

2. Access to the site

The site is accessible free of charge 24/7. However, LCEFCIAL reserves the right to interrupt access for maintenance or updates.

The user agrees to use the site fairly, in accordance with applicable laws and these Terms of Use.

3. Personal data

Using this website involves the collection of certain personal data (name, contact information, income, etc.). This data is processed in accordance with the General Data Protection Regulation (GDPR).

See our Privacy Policy for more information.

4.Services offered

The site allows users to:

  • Simulate a loan online
  • Submit a loan application via a secure form
  • Be connected with one or more partner lending institutions

The services are free for the user. No financial commitment is required on the site.

5. Responsibilities

  • LCEFCIAL strives to ensure the accuracy of the information published, but cannot guarantee the absence of errors or omissions.
  • The site acts as an intermediary: it does not directly provide loans, nor does it guarantee the acceptance of applications by its partners.
  • LCEFCIAL disclaims all liability in the event of:
  • Refusal of funding by a third-party organization
  • Indirect loss or damage related to the use of the site
  • Fraudulent use of your information by an unauthorized third party

6. Intellectual property

The content of the site (texts, logos, images, structure…) is the exclusive property of LCEFCIAL and may not be reproduced without prior written authorization.

7. External links

The site may contain links to third-party sites. LCEFCIAL is not responsible for the content or proper functioning of these sites.

8. Changes to the Terms and Conditions

LCEFCIAL reserves the right to modify these terms and conditions at any time. The new terms and conditions will take effect as soon as they are published on this page.

9. Applicable law

These Terms and Conditions are governed by French law. In the event of a dispute, an amicable solution will be sought first. Failing that, the competent courts will be those of the jurisdiction where LCEFCIAL’s registered office is located.

10. Contact

For any questions relating to the Terms of Service or the operation of the site, you can contact us:

📧 info@lcefcial.fr