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Le Client doit, lorsque sa situation le nécessite, solliciter les conseils de professionnels compétents dans ces domaines.",[],{"_key":476,"_type":98,"children":477,"markDefs":482,"style":148},"aeed466b4cd5",[478],{"_key":479,"_type":102,"marks":480,"text":481},"df6d7177aabc",[],"Article 5 — Information, exigences et besoins du Client",[],{"_key":484,"_type":98,"children":485,"markDefs":490,"style":123},"4a2f19457d6a",[486],{"_key":487,"_type":102,"marks":488,"text":489},"5aae7f969bcd",[],"Avant la conclusion d’un contrat d’assurance, Vinko recueille auprès du Client les informations nécessaires à la détermination de ses exigences et de ses besoins.",[],{"_key":492,"_type":98,"children":493,"markDefs":498,"style":123},"3b4e041c7149",[494],{"_key":495,"_type":102,"marks":496,"text":497},"85cfd89ccf26",[],"Sur la base de ces informations, Vinko fournit au Client des informations objectives et compréhensibles sur le ou les produits d’assurance proposés et s’assure de leur cohérence avec les exigences et les besoins identifiés.",[],{"_key":500,"_type":98,"children":501,"markDefs":506,"style":123},"da77b1f1fd3b",[502],{"_key":503,"_type":102,"marks":504,"text":505},"105d293bc370",[],"Lorsque Vinko fournit un service de recommandation personnalisée, il explique au Client les raisons pour lesquelles le ou les contrats ou options proposés correspondent à ses exigences et à ses besoins.",[],{"_key":508,"_type":98,"children":509,"markDefs":514,"style":123},"a0718105dcf4",[510],{"_key":511,"_type":102,"marks":512,"text":513},"4e29cfe24043",[],"Les informations et recommandations fournies par Vinko reposent notamment sur les informations communiquées par le Client. Leur pertinence dépend donc de l’exactitude et de l’exhaustivité de ces informations.",[],{"_key":516,"_type":98,"children":517,"markDefs":522,"style":123},"f387e52a95ae",[518],{"_key":519,"_type":102,"marks":520,"text":521},"b84c27415e70",[],"Le Client demeure responsable des informations, déclarations et documents qu’il communique à Vinko.",[],{"_key":524,"_type":98,"children":525,"markDefs":530,"style":148},"80928073392a",[526],{"_key":527,"_type":102,"marks":528,"text":529},"be847ffef5a2",[],"Article 6 — Souscription et documents contractuels",[],{"_key":532,"_type":98,"children":533,"markDefs":538,"style":123},"e48b1a6e3d10",[534],{"_key":535,"_type":102,"marks":536,"text":537},"647d7193a224",[],"Lorsque le Client souhaite souscrire une solution d’assurance présentée par Vinko, un devis lui est communiqué.",[],{"_key":540,"_type":98,"children":541,"markDefs":546,"style":123},"7c20c43b0752",[542],{"_key":543,"_type":102,"marks":544,"text":545},"7e2bd1a0cdec",[],"Le devis précise notamment, selon le produit concerné, les garanties proposées, le montant de la prime et les éventuels frais ou honoraires applicables.",[],{"_key":548,"_type":98,"children":549,"markDefs":554,"style":123},"b16266fbb921",[550],{"_key":551,"_type":102,"marks":552,"text":553},"b856877b27f3",[],"Sauf indication contraire, le devis est valable pendant la durée qui y est indiquée. À défaut de durée indiquée, sa validité ne pourra excéder soixante (60) jours à compter de sa date d’émission.",[],{"_key":556,"_type":98,"children":557,"markDefs":562,"style":123},"93d920b9bf59",[558],{"_key":559,"_type":102,"marks":560,"text":561},"e6f5fb2e2f67",[],"Toute prestation ou demande supplémentaire non prévue dans la proposition initiale pourra faire l’objet d’une proposition ou d’un devis complémentaire.",[],{"_key":564,"_type":98,"children":565,"markDefs":570,"style":123},"a2b1597b699f",[566],{"_key":567,"_type":102,"marks":568,"text":569},"7e298eacf9d0",[],"Avant la conclusion du contrat, le Client doit prendre connaissance des documents qui lui sont remis ou mis à disposition, notamment, lorsqu’ils sont applicables :",[],{"_key":572,"_type":98,"children":573,"level":168,"listItem":169,"markDefs":578,"style":123},"040e8f2fb2c6",[574],{"_key":575,"_type":102,"marks":576,"text":577},"7ecd4b51dd53",[],"le devis 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nécessaires et acceptation par l’Assureur.",[],{"_key":612,"_type":98,"children":613,"markDefs":618,"style":123},"4878986766fc",[614],{"_key":615,"_type":102,"marks":616,"text":617},"82644ca4ca4e",[],"Lorsque la signature électronique est utilisée, les documents peuvent être signés au moyen d’une plateforme sécurisée de signature électronique.",[],{"_key":620,"_type":98,"children":621,"markDefs":626,"style":123},"b3b482f4af63",[622],{"_key":623,"_type":102,"marks":624,"text":625},"4cbdc53748e5",[],"Les documents contractuels sont remis au Client sur un support durable, notamment par voie électronique, conformément aux dispositions applicables.",[],{"_key":628,"_type":98,"children":629,"markDefs":634,"style":148},"5da5f7a41185",[630],{"_key":631,"_type":102,"marks":632,"text":633},"9a0b39ba6735",[],"Article 7 — Prise d’effet et durée des contrats",[],{"_key":636,"_type":98,"children":637,"markDefs":642,"style":123},"ea774fb61ec2",[638],{"_key":639,"_type":102,"marks":640,"text":641},"d0bc242779b6",[],"La date de prise d’effet, la durée et les conditions de renouvellement du contrat d’assurance sont déterminées par les documents contractuels remis au Client et par les conditions de l’Assureur.",[],{"_key":644,"_type":98,"children":645,"markDefs":650,"style":123},"f920f3c47d2f",[646],{"_key":647,"_type":102,"marks":648,"text":649},"9c1a8684ab47",[],"Sauf stipulation contraire, les contrats d’assurance sont conclus pour la durée prévue par les conditions particulières et peuvent être renouvelés dans les conditions prévues par le contrat.",[],{"_key":652,"_type":98,"children":653,"markDefs":658,"style":123},"4835d9f1292c",[654],{"_key":655,"_type":102,"marks":656,"text":657},"6008a60e7101",[],"Lors du renouvellement, le Client peut être informé du nouveau montant de la prime ainsi que de toute évolution des garanties ou des conditions du contrat.",[],{"_key":660,"_type":98,"children":661,"markDefs":666,"style":123},"1f89efdd13a3",[662],{"_key":663,"_type":102,"marks":664,"text":665},"f51cad9d59d3",[],"Toute modification de la situation du Client ou de son activité susceptible d’avoir une incidence sur le risque assuré doit être signalée à Vinko dans les meilleurs délais.",[],{"_key":668,"_type":98,"children":669,"markDefs":674,"style":148},"0b181fbd9340",[670],{"_key":671,"_type":102,"marks":672,"text":673},"5ecc503793c6",[],"Article 8 — Rémunération",[],{"_key":676,"_type":98,"children":677,"markDefs":682,"style":123},"c5f25ca2bbe2",[678],{"_key":679,"_type":102,"marks":680,"text":681},"744eead1a7fb",[],"En contrepartie de ses prestations, Vinko peut percevoir une rémunération sous différentes formes, notamment :",[],{"_key":684,"_type":98,"children":685,"level":168,"listItem":169,"markDefs":690,"style":123},"37662b8549d6",[686],{"_key":687,"_type":102,"marks":688,"text":689},"1444df08b3f5",[],"une commission versée par l’Assureur et incluse dans la prime d’assurance ;",[],{"_key":692,"_type":98,"children":693,"level":168,"listItem":169,"markDefs":698,"style":123},"af5aa9d76f50",[694],{"_key":695,"_type":102,"marks":696,"text":697},"fdc5b50c91f6",[],"des honoraires ou frais directement facturés au Client ;",[],{"_key":700,"_type":98,"children":701,"level":168,"listItem":169,"markDefs":706,"style":123},"4fb86c335d7a",[702],{"_key":703,"_type":102,"marks":704,"text":705},"a3019276c015",[],"le cas échéant, une combinaison de ces différents modes de rémunération.",[],{"_key":708,"_type":98,"children":709,"markDefs":714,"style":123},"ed3c4d5bb4a3",[710],{"_key":711,"_type":102,"marks":712,"text":713},"dd77be218bdc",[],"Lorsque Vinko perçoit une commission, celle-ci constitue une rémunération versée par l’Assureur dans le cadre de la distribution du contrat.",[],{"_key":716,"_type":98,"children":717,"markDefs":722,"style":123},"8ab628445d99",[718],{"_key":719,"_type":102,"marks":720,"text":721},"007e0eba32a8",[],"Lorsque des honoraires ou frais sont directement dus par le Client, leur montant ou leur méthode de calcul lui est communiqué avant la conclusion du contrat concerné et figure dans les documents contractuels ou le devis qui lui sont remis.",[],{"_key":724,"_type":98,"children":725,"markDefs":730,"style":123},"94554b81bd6f",[726],{"_key":727,"_type":102,"marks":728,"text":729},"ffdfbd92228f",[],"Les montants dus par le Client sont exprimés en euros et, lorsqu’ils sont soumis à la TVA, sont indiqués toutes taxes comprises.",[],{"_key":732,"_type":98,"children":733,"markDefs":738,"style":123},"40b84e2c93d8",[734],{"_key":735,"_type":102,"marks":736,"text":737},"8aea66f24d80",[],"Le Client peut demander à Vinko toute information complémentaire relative à sa rémunération.",[],{"_key":740,"_type":98,"children":741,"markDefs":746,"style":148},"16d5b84acc26",[742],{"_key":743,"_type":102,"marks":744,"text":745},"8df226177088",[],"Article 9 — Obligations du Client",[],{"_key":748,"_type":98,"children":749,"markDefs":754,"style":755},"9974758ad682",[750],{"_key":751,"_type":102,"marks":752,"text":753},"49c996b14be4",[],"9.1 Exactitude des informations fournies",[],"h3",{"_key":757,"_type":98,"children":758,"markDefs":763,"style":123},"52844c7a89a7",[759],{"_key":760,"_type":102,"marks":761,"text":762},"745914db2166",[],"Le Client s’engage à fournir à Vinko, dans les meilleurs délais, toutes les informations, déclarations et pièces nécessaires à l’accomplissement de sa mission.",[],{"_key":765,"_type":98,"children":766,"markDefs":771,"style":123},"848288297bb5",[767],{"_key":768,"_type":102,"marks":769,"text":770},"a6100dee5d11",[],"Le Client doit notamment fournir des informations exactes, complètes et sincères concernant son activité, sa situation, ses risques et tout élément susceptible d’avoir une incidence sur l’appréciation du risque par l’Assureur.",[],{"_key":773,"_type":98,"children":774,"markDefs":779,"style":123},"6daeea45230a",[775],{"_key":776,"_type":102,"marks":777,"text":778},"196b54bf30fd",[],"Toute omission ou déclaration inexacte peut avoir des conséquences sur l’étendue des garanties, le montant de la prime ou la prise en charge d’un sinistre, conformément aux dispositions légales et contractuelles applicables.",[],{"_key":781,"_type":98,"children":782,"markDefs":787,"style":755},"9377392da0a3",[783],{"_key":784,"_type":102,"marks":785,"text":786},"9b835ed37ffe",[],"9.2 Évolution de la situation du Client",[],{"_key":789,"_type":98,"children":790,"markDefs":795,"style":123},"9f7a09fcdc2e",[791],{"_key":792,"_type":102,"marks":793,"text":794},"aa1cb27d800f",[],"Le Client s’engage à informer Vinko dans les meilleurs délais de tout changement concernant son activité, sa situation ou ses conditions d’exercice susceptible de modifier les risques couverts par ses contrats d’assurance.",[],{"_key":797,"_type":98,"children":798,"markDefs":803,"style":123},"a352c1d818fa",[799],{"_key":800,"_type":102,"marks":801,"text":802},"8c8d4e07cf93",[],"Cette obligation concerne notamment toute évolution susceptible d’avoir une incidence sur les garanties ou les conditions d’assurance.",[],{"_key":805,"_type":98,"children":806,"markDefs":811,"style":755},"10b9c5783e49",[807],{"_key":808,"_type":102,"marks":809,"text":810},"26c81a66eb09",[],"9.3 Vérification des documents",[],{"_key":813,"_type":98,"children":814,"markDefs":819,"style":123},"efc901ada485",[815],{"_key":816,"_type":102,"marks":817,"text":818},"cce5b940649a",[],"Le Client s’engage à vérifier les informations figurant dans les documents qui lui sont transmis et à signaler à Vinko toute erreur, omission ou incohérence dans les meilleurs délais.",[],{"_key":821,"_type":98,"children":822,"markDefs":827,"style":123},"af9c4de8b47a",[823],{"_key":824,"_type":102,"marks":825,"text":826},"27809e1ca464",[],"Le Client doit notamment vérifier que les garanties et conditions du contrat correspondent à ses besoins et aux informations communiquées lors de la souscription.",[],{"_key":829,"_type":98,"children":830,"markDefs":835,"style":755},"23c09de2cf0d",[831],{"_key":832,"_type":102,"marks":833,"text":834},"c9c0ebd9866e",[],"9.4 Conservation des documents",[],{"_key":837,"_type":98,"children":838,"markDefs":843,"style":123},"13f29c483687",[839],{"_key":840,"_type":102,"marks":841,"text":842},"6959dca571d1",[],"Le Client est invité à conserver les documents contractuels qui lui sont remis pendant toute la durée de leur utilité, notamment pour permettre le suivi de ses contrats et le traitement d'éventuelles réclamations ou sinistres.",[],{"_key":845,"_type":98,"children":846,"markDefs":851,"style":148},"3e00915e57af",[847],{"_key":848,"_type":102,"marks":849,"text":850},"585410cb5e07",[],"Article 10 — Obligations de Vinko",[],{"_key":853,"_type":98,"children":854,"markDefs":859,"style":123},"8a272f4e8b48",[855],{"_key":856,"_type":102,"marks":857,"text":858},"e54c03d31d5c",[],"Vinko s’engage à exercer son activité dans le respect des obligations légales et réglementaires applicables aux intermédiaires d’assurance.",[],{"_key":861,"_type":98,"children":862,"markDefs":867,"style":123},"d8b5fd86ce36",[863],{"_key":864,"_type":102,"marks":865,"text":866},"031b4a7265fb",[],"Vinko agit de manière honnête, impartiale et professionnelle et au mieux des intérêts du Client.",[],{"_key":869,"_type":98,"children":870,"markDefs":875,"style":123},"a56e09a002f4",[871],{"_key":872,"_type":102,"marks":873,"text":874},"c1eea7693c00",[],"Vinko fournit au Client les informations nécessaires à sa prise de décision avant la conclusion du contrat d’assurance.",[],{"_key":877,"_type":98,"children":878,"markDefs":883,"style":123},"53c379629e2c",[879],{"_key":880,"_type":102,"marks":881,"text":882},"e1bc7a2a5234",[],"Lorsque Vinko formule une recommandation, celle-ci est fondée sur les informations recueillies auprès du Client et sur les conditions applicables à la mission de courtage.",[],{"_key":885,"_type":98,"children":886,"markDefs":891,"style":123},"8cf7f0c173a2",[887],{"_key":888,"_type":102,"marks":889,"text":890},"a0bc61d9e155",[],"Vinko met à la disposition du Client, avant la souscription, les documents d’information et contractuels nécessaires conformément à la réglementation applicable et aux modalités de souscription du produit concerné.",[],{"_key":893,"_type":98,"children":894,"markDefs":899,"style":123},"3ff6f7a6f1e4",[895],{"_key":896,"_type":102,"marks":897,"text":898},"bdf66a618db8",[],"Vinko assure également, lorsque cette mission lui est confiée, le suivi administratif et technique des contrats souscrits par l’intermédiaire de ses services.",[],{"_key":901,"_type":98,"children":902,"markDefs":907,"style":148},"ca0b4dc84fe6",[903],{"_key":904,"_type":102,"marks":905,"text":906},"40e02f8903d1",[],"Article 11 — Relations avec les Assureurs et indépendance",[],{"_key":909,"_type":98,"children":910,"markDefs":915,"style":123},"a84fecc30b33",[911],{"_key":912,"_type":102,"marks":913,"text":914},"4bf6e28a4554",[],"Vinko exerce une activité de courtage en assurance et intervient en qualité d’intermédiaire entre le Client et les compagnies d’assurance.",[],{"_key":917,"_type":98,"children":918,"markDefs":923,"style":123},"4955a3a800d4",[919],{"_key":920,"_type":102,"marks":921,"text":922},"76fbb95daab4",[],"Vinko n'est pas une entreprise d'assurance et ne garantit pas l'acceptation d'un risque par un Assureur.",[],{"_key":925,"_type":98,"children":926,"markDefs":931,"style":123},"1e78802657ff",[927],{"_key":928,"_type":102,"marks":929,"text":930},"09f07c79bf92",[],"La souscription d'un contrat demeure soumise à l'acceptation de l'Assureur concerné et aux conditions qu'il applique.",[],{"_key":933,"_type":98,"children":934,"markDefs":939,"style":123},"39b49528b66a",[935],{"_key":936,"_type":102,"marks":937,"text":938},"521e8016057b",[],"Vinko indique au Client, avant la conclusion du contrat, les informations relatives à son statut, à son immatriculation, à ses éventuelles obligations contractuelles de travailler avec certaines entreprises d'assurance et à sa rémunération, conformément aux dispositions applicables.",[],{"_key":941,"_type":98,"children":942,"markDefs":947,"style":123},"515ce6a3af80",[943],{"_key":944,"_type":102,"marks":945,"text":946},"c3590e81165c",[],"Lorsque cela est requis, Vinko informe également le Client de toute situation susceptible d'avoir une incidence sur son indépendance ou de créer un conflit d'intérêts.",[],{"_key":949,"_type":98,"children":950,"markDefs":955,"style":148},"25e3ad072e91",[951],{"_key":952,"_type":102,"marks":953,"text":954},"ce08e336fe86",[],"Article 12 — Prévention des conflits d’intérêts",[],{"_key":957,"_type":98,"children":958,"markDefs":963,"style":123},"12a7adb4c25a",[959],{"_key":960,"_type":102,"marks":961,"text":962},"6f6cca89f65e",[],"Vinko met en œuvre les mesures nécessaires afin d’identifier, prévenir et gérer les situations de conflits d’intérêts susceptibles de porter atteinte aux intérêts du Client.",[],{"_key":965,"_type":98,"children":966,"markDefs":971,"style":123},"5e9166dab7b7",[967],{"_key":968,"_type":102,"marks":969,"text":970},"bdb879716fe6",[],"Vinko veille à ce que ses modalités de rémunération et ses pratiques commerciales ne l’incitent pas à recommander un produit d’assurance particulier lorsque celui-ci ne correspondrait pas aux exigences et aux besoins du Client.",[],{"_key":973,"_type":98,"children":974,"markDefs":979,"style":123},"25625e2ec758",[975],{"_key":976,"_type":102,"marks":977,"text":978},"9c386ec02164",[],"Lorsque Vinko intervient également pour le compte d’un Assureur dans le cadre de certaines opérations administratives ou de gestion, cette situation n’affecte pas les obligations qui lui incombent à l’égard du Client.",[],{"_key":981,"_type":98,"children":982,"markDefs":987,"style":148},"0f0b93b8e6c7",[983],{"_key":984,"_type":102,"marks":985,"text":986},"56fa4d8fb4be",[],"Article 13 — Responsabilité",[],{"_key":989,"_type":98,"children":990,"markDefs":995,"style":123},"15fc4dbcb5a6",[991],{"_key":992,"_type":102,"marks":993,"text":994},"9fe4d56e1be0",[],"Chaque Partie est responsable des conséquences résultant de ses fautes ou manquements dans l’exécution de ses obligations.",[],{"_key":997,"_type":98,"children":998,"markDefs":1003,"style":123},"ef78f0b2c4ef",[999],{"_key":1000,"_type":102,"marks":1001,"text":1002},"bb26e66b45ee",[],"Vinko ne peut être tenu responsable des conséquences résultant :",[],{"_key":1005,"_type":98,"children":1006,"level":168,"listItem":169,"markDefs":1011,"style":123},"38fb051e6fdf",[1007],{"_key":1008,"_type":102,"marks":1009,"text":1010},"4363b087c420",[],"d'informations inexactes, incomplètes ou tardivement communiquées par le Client ;",[],{"_key":1013,"_type":98,"children":1014,"level":168,"listItem":169,"markDefs":1019,"style":123},"b8d6fc5dc8e7",[1015],{"_key":1016,"_type":102,"marks":1017,"text":1018},"0f24011a2b28",[],"d'un changement de situation ou d'activité qui n'aurait pas été porté à sa connaissance ;",[],{"_key":1021,"_type":98,"children":1022,"level":168,"listItem":169,"markDefs":1027,"style":123},"bb21f42b794d",[1023],{"_key":1024,"_type":102,"marks":1025,"text":1026},"2d4c6477756a",[],"d'une décision prise par l'Assureur, notamment concernant l'acceptation d'un risque, le montant d'une prime, l'étendue d'une garantie ou l'indemnisation d'un sinistre ;",[],{"_key":1029,"_type":98,"children":1030,"level":168,"listItem":169,"markDefs":1035,"style":123},"9950aa380cdd",[1031],{"_key":1032,"_type":102,"marks":1033,"text":1034},"7c5d0aeab1b7",[],"de l'application des stipulations du contrat d'assurance conclu entre le Client et l'Assureur ;",[],{"_key":1037,"_type":98,"children":1038,"level":168,"listItem":169,"markDefs":1043,"style":123},"716063e37b55",[1039],{"_key":1040,"_type":102,"marks":1041,"text":1042},"f3bbf0710fee",[],"d'un événement relevant d'un cas de force majeure.",[],{"_key":1045,"_type":98,"children":1046,"markDefs":1051,"style":123},"754cb2c84efc",[1047],{"_key":1048,"_type":102,"marks":1049,"text":1050},"b53756371fd3",[],"Vinko ne peut notamment être tenu responsable d'un refus de garantie ou d'une limitation de garantie lorsque celle-ci résulte des conditions du contrat d'assurance ou de circonstances relevant de l'Assureur.",[],{"_key":1053,"_type":98,"children":1054,"markDefs":1059,"style":123},"d63603225f5c",[1055],{"_key":1056,"_type":102,"marks":1057,"text":1058},"10645e29721b",[],"Lorsque sa responsabilité est légalement établie, Vinko répond des dommages directs qui résultent de ses propres fautes ou manquements, dans les limites prévues par les dispositions légales impératives applicables.",[],{"_key":1061,"_type":98,"children":1062,"markDefs":1067,"style":148},"97b69fffa61a",[1063],{"_key":1064,"_type":102,"marks":1065,"text":1066},"c5efa4152315",[],"Article 14 — Droit de renonciation ou de rétractation",[],{"_key":1069,"_type":98,"children":1070,"markDefs":1075,"style":123},"68e6e78957ba",[1071],{"_key":1072,"_type":102,"marks":1073,"text":1074},"b24925f7b0c0",[],"Lorsqu'un droit de renonciation ou de rétractation est légalement applicable au Client, celui-ci peut l'exercer dans les conditions et délais prévus par les dispositions légales applicables au contrat concerné.",[],{"_key":1077,"_type":98,"children":1078,"markDefs":1083,"style":123},"64a2c26ac053",[1079],{"_key":1080,"_type":102,"marks":1081,"text":1082},"b780189b73ac",[],"Les conditions d'exercice de ce droit, notamment son délai, son point de départ et ses éventuelles exceptions, peuvent varier selon la nature du contrat d'assurance, la qualité du Client et les modalités de souscription.",[],{"_key":1085,"_type":98,"children":1086,"markDefs":1091,"style":123},"5d33a3263a27",[1087],{"_key":1088,"_type":102,"marks":1089,"text":1090},"5c54c13d20ec",[],"Lorsque ce droit est applicable, les modalités permettant de l'exercer sont communiquées au Client dans les documents contractuels ou précontractuels qui lui sont remis.",[],{"_key":1093,"_type":98,"children":1094,"markDefs":1099,"style":123},"d142de19e22d",[1095],{"_key":1096,"_type":102,"marks":1097,"text":1098},"dc4b7ae8c4c9",[],"Toute demande peut être adressée à :",[],{"_key":1101,"_type":98,"children":1102,"markDefs":1116,"style":123},"3fb60acd9253",[1103,1107,1111],{"_key":1104,"_type":102,"marks":1105,"text":1106},"c06909dfab48",[108],"Vinko — Valora Assurance",{"_key":1108,"_type":102,"marks":1109,"text":1110},"cee171ad10b6",[],"\n58 rue de Monceau\n75008 PARIS, France\n",{"_key":1112,"_type":102,"marks":1113,"text":1115},"f7410223efa0",[1114],"ab4edfe80fd8","contact@vinko.eu",[1117],{"_key":1114,"_type":1118,"href":1119},"link","mailto:contact@vinko.eu",{"_key":1121,"_type":98,"children":1122,"markDefs":1127,"style":123},"2fdee19d765c",[1123],{"_key":1124,"_type":102,"marks":1125,"text":1126},"1d7e777a6313",[],"Le Client peut utiliser, lorsqu'il est applicable, le formulaire de rétractation ou de renonciation qui lui a été remis avec les documents contractuels.",[],{"_key":1129,"_type":98,"children":1130,"markDefs":1135,"style":123},"38cfaf2e4b0b",[1131],{"_key":1132,"_type":102,"marks":1133,"text":1134},"7d0fc87095ed",[],"L'exercice d'un droit de renonciation ou de rétractation n'affecte pas les droits de l'Assureur ou de Vinko résultant des dispositions légales applicables lorsque l'exécution du contrat a commencé à la demande du Client avant l'expiration du délai concerné.",[],{"_key":1137,"_type":98,"children":1138,"markDefs":1143,"style":148},"e8338919b3b8",[1139],{"_key":1140,"_type":102,"marks":1141,"text":1142},"ae1df0231002",[],"Article 15 — Propriété intellectuelle",[],{"_key":1145,"_type":98,"children":1146,"markDefs":1151,"style":123},"971a5debff87",[1147],{"_key":1148,"_type":102,"marks":1149,"text":1150},"c21fd4fbab9b",[],"Les éléments composant le Site et les supports de Vinko, notamment les textes, photographies, illustrations, logos, marques, graphismes, vidéos, interfaces et éléments logiciels, sont protégés par les dispositions relatives à la propriété intellectuelle.",[],{"_key":1153,"_type":98,"children":1154,"markDefs":1159,"style":123},"01bf2d4b3dd2",[1155],{"_key":1156,"_type":102,"marks":1157,"text":1158},"0327246b1e6d",[],"Sauf autorisation préalable et expresse de Vinko ou disposition légale contraire, toute reproduction, représentation, modification, adaptation, diffusion ou exploitation, totale ou partielle, de ces éléments est interdite.",[],{"_key":1161,"_type":98,"children":1162,"markDefs":1175,"style":123},"cd86561811de",[1163,1167,1171],{"_key":1164,"_type":102,"marks":1165,"text":1166},"4856ea029d07",[],"La marque ",{"_key":1168,"_type":102,"marks":1169,"text":1170},"73d16c893e37",[108],"Vinko",{"_key":1172,"_type":102,"marks":1173,"text":1174},"5757f28f0735",[],", ainsi que les éléments permettant son identification, demeurent la propriété de leurs titulaires respectifs.",[],{"_key":1177,"_type":98,"children":1178,"markDefs":1183,"style":123},"b93783cf2d52",[1179],{"_key":1180,"_type":102,"marks":1181,"text":1182},"9d29e5d6ec33",[],"Les présentes Conditions Générales n'emportent aucun transfert de droits de propriété intellectuelle au profit du Client.",[],{"_key":1185,"_type":98,"children":1186,"markDefs":1191,"style":148},"ec1b91c26ef9",[1187],{"_key":1188,"_type":102,"marks":1189,"text":1190},"400cf452bc32",[],"Article 16 — Données à caractère personnel",[],{"_key":1193,"_type":98,"children":1194,"markDefs":1199,"style":123},"cf24899f5585",[1195],{"_key":1196,"_type":102,"marks":1197,"text":1198},"cfa8b2f1dc2a",[],"Vinko traite certaines données à caractère personnel dans le cadre de son activité de courtage et de la fourniture de ses services.",[],{"_key":1201,"_type":98,"children":1202,"markDefs":1215,"style":123},"5d7fd4cb345a",[1203,1207,1211],{"_key":1204,"_type":102,"marks":1205,"text":1206},"4421144f2ba5",[],"Les modalités de collecte, d'utilisation, de conservation et de protection de ces données, ainsi que les droits dont disposent les personnes concernées, sont détaillés dans la ",{"_key":1208,"_type":102,"marks":1209,"text":1210},"0d8432a09043",[108],"Politique de confidentialité",{"_key":1212,"_type":102,"marks":1213,"text":1214},"d80f6dc29664",[]," de Vinko.",[],{"_key":1217,"_type":98,"children":1218,"markDefs":1223,"style":123},"54e69ac2d0c1",[1219],{"_key":1220,"_type":102,"marks":1221,"text":1222},"af65b1cb03aa",[],"Le Client est invité à consulter cette politique pour obtenir des informations complémentaires sur le traitement de ses données personnelles.",[],{"_key":1225,"_type":98,"children":1226,"markDefs":1231,"style":148},"70e471c24851",[1227],{"_key":1228,"_type":102,"marks":1229,"text":1230},"78db24e8cf4e",[],"Article 17 — Force majeure",[],{"_key":1233,"_type":98,"children":1234,"markDefs":1239,"style":123},"3d0253b801ff",[1235],{"_key":1236,"_type":102,"marks":1237,"text":1238},"e11fefac9a0b",[],"Aucune Partie ne pourra être tenue responsable d'un manquement à ses obligations lorsque celui-ci résulte d'un événement de force majeure au sens de la loi et de la jurisprudence françaises.",[],{"_key":1241,"_type":98,"children":1242,"markDefs":1247,"style":123},"aafc33211bf7",[1243],{"_key":1244,"_type":102,"marks":1245,"text":1246},"35bb965bf5c6",[],"La Partie concernée informe l'autre Partie dans les meilleurs délais lorsqu'un tel événement est susceptible d'affecter l'exécution de ses obligations.",[],{"_key":1249,"_type":98,"children":1250,"markDefs":1255,"style":123},"a950a4b40938",[1251],{"_key":1252,"_type":102,"marks":1253,"text":1254},"989ea5f7a8b8",[],"Les obligations affectées sont suspendues pendant la durée de l'événement lorsque celui-ci empêche leur exécution.",[],{"_key":1257,"_type":98,"children":1258,"markDefs":1263,"style":148},"20169ad68e69",[1259],{"_key":1260,"_type":102,"marks":1261,"text":1262},"1e5f58816712",[],"Article 18 — Nullité partielle",[],{"_key":1265,"_type":98,"children":1266,"markDefs":1271,"style":123},"a71cad19539b",[1267],{"_key":1268,"_type":102,"marks":1269,"text":1270},"47634e96d808",[],"Si l'une quelconque des dispositions des présentes Conditions Générales était déclarée nulle, illégale ou inapplicable, les autres dispositions demeureraient pleinement en vigueur.",[],{"_key":1273,"_type":98,"children":1274,"markDefs":1279,"style":123},"e9d697fd9e48",[1275],{"_key":1276,"_type":102,"marks":1277,"text":1278},"cf027ce4e0e3",[],"Les Parties s'efforceront, dans la mesure du possible, de remplacer la disposition concernée par une disposition valable produisant un effet économique et juridique aussi proche que possible de celui recherché initialement.",[],{"_key":1281,"_type":98,"children":1282,"markDefs":1287,"style":148},"dc80ca854b75",[1283],{"_key":1284,"_type":102,"marks":1285,"text":1286},"8f8787657169",[],"Article 19 — Non-renonciation",[],{"_key":1289,"_type":98,"children":1290,"markDefs":1295,"style":123},"7dbb1364074f",[1291],{"_key":1292,"_type":102,"marks":1293,"text":1294},"81fad742440b",[],"Le fait pour l'une des Parties de ne pas se prévaloir, à un moment donné, d'une disposition des présentes Conditions Générales ne saurait être interprété comme une renonciation à s'en prévaloir ultérieurement.",[],{"_key":1297,"_type":98,"children":1298,"markDefs":1303,"style":148},"39c770e84c2a",[1299],{"_key":1300,"_type":102,"marks":1301,"text":1302},"a478c3d15c80",[],"Article 20 — Notifications",[],{"_key":1305,"_type":98,"children":1306,"markDefs":1311,"style":123},"e84d33a5329f",[1307],{"_key":1308,"_type":102,"marks":1309,"text":1310},"cb882bec3ee4",[],"Sauf disposition contraire prévue par les documents contractuels ou la réglementation applicable, toute notification relative à la relation contractuelle peut être adressée à Vinko par courrier ou par voie électronique.",[],{"_key":1313,"_type":98,"children":1314,"markDefs":1323,"style":123},"1260e3cd9db0",[1315,1319],{"_key":1316,"_type":102,"marks":1317,"text":1318},"d476d1ef466e",[108],"E-mail : ",{"_key":1320,"_type":102,"marks":1321,"text":1115},"d6648f65776f",[108,1322],"0dd04ce4e750",[1324],{"_key":1322,"_type":1118,"href":1119},{"_key":1326,"_type":98,"children":1327,"markDefs":1336,"style":123},"79bed36f28de",[1328,1332],{"_key":1329,"_type":102,"marks":1330,"text":1331},"2b79805e76e3",[108],"Adresse postale :",{"_key":1333,"_type":102,"marks":1334,"text":1335},"48d76b7c1310",[],"\nVinko — Valora Assurance\n58 rue de Monceau\n75008 PARIS, France",[],{"_key":1338,"_type":98,"children":1339,"markDefs":1344,"style":123},"3f396c59f7fc",[1340],{"_key":1341,"_type":102,"marks":1342,"text":1343},"c67ef5bc11e7",[],"Le Client doit maintenir ses coordonnées à jour afin de permettre à Vinko de lui transmettre les informations nécessaires au suivi de ses contrats.",[],{"_key":1346,"_type":98,"children":1347,"markDefs":1352,"style":148},"97fa9a651a2d",[1348],{"_key":1349,"_type":102,"marks":1350,"text":1351},"414bb9ca1a25",[],"Article 21 — Modification des Conditions Générales",[],{"_key":1354,"_type":98,"children":1355,"markDefs":1360,"style":123},"258b316f503d",[1356],{"_key":1357,"_type":102,"marks":1358,"text":1359},"6ad8ae6379d1",[],"Vinko peut modifier les présentes Conditions Générales afin de tenir compte notamment des évolutions législatives, réglementaires, techniques ou de son activité.",[],{"_key":1362,"_type":98,"children":1363,"markDefs":1368,"style":123},"9a26205ffce8",[1364],{"_key":1365,"_type":102,"marks":1366,"text":1367},"dbf1eb0e0e8d",[],"La version applicable à la relation contractuelle est celle acceptée par le Client ou, lorsque les présentes Conditions Générales sont applicables à une prestation déterminée, celle en vigueur à la date de la souscription de cette prestation, sous réserve des dispositions légales applicables aux modifications ultérieures de la relation contractuelle.",[],{"_key":1370,"_type":98,"children":1371,"markDefs":1376,"style":123},"567c93a8bde5",[1372],{"_key":1373,"_type":102,"marks":1374,"text":1375},"1cb7c66f4bbe",[],"La date de dernière mise à jour figure en tête des présentes Conditions Générales.",[],{"_key":1378,"_type":98,"children":1379,"markDefs":1384,"style":148},"929fe2bb01c8",[1380],{"_key":1381,"_type":102,"marks":1382,"text":1383},"f3a10cb407ae",[],"Article 22 — Réclamations",[],{"_key":1386,"_type":98,"children":1387,"markDefs":1392,"style":123},"6a24ea62b4aa",[1388],{"_key":1389,"_type":102,"marks":1390,"text":1391},"2e018e71cbe4",[],"Pour toute réclamation concernant les services de Vinko, le Client peut contacter dans un premier temps le service compétent de Vinko en indiquant, dans la mesure du possible, la référence de son dossier ou de son contrat ainsi que les éléments nécessaires à l'examen de sa demande.",[],{"_key":1394,"_type":98,"children":1395,"markDefs":1408,"style":123},"654d0539d295",[1396,1400,1404],{"_key":1397,"_type":102,"marks":1398,"text":1399},"bec99e3f14ba",[108],"Par e-mail :",{"_key":1401,"_type":102,"marks":1402,"text":1403},"2cf9f5cca328",[]," ",{"_key":1405,"_type":102,"marks":1406,"text":1115},"5934557a3771",[1407],"e0d2949965d0",[1409],{"_key":1407,"_type":1118,"href":1119},{"_key":1411,"_type":98,"children":1412,"markDefs":1420,"style":123},"91c9da39ec69",[1413,1417],{"_key":1414,"_type":102,"marks":1415,"text":1416},"9c33fe471d01",[108],"Par courrier :",{"_key":1418,"_type":102,"marks":1419,"text":1335},"22ea9f787591",[],[],{"_key":1422,"_type":98,"children":1423,"markDefs":1428,"style":123},"d73125e77caa",[1424],{"_key":1425,"_type":102,"marks":1426,"text":1427},"2af251d3ebbe",[],"Vinko s'engage à traiter les réclamations conformément aux procédures applicables aux intermédiaires d'assurance.",[],{"_key":1430,"_type":98,"children":1431,"markDefs":1436,"style":123},"6ad5588349bc",[1432],{"_key":1433,"_type":102,"marks":1434,"text":1435},"7401f6ce76d8",[],"Si le Client n'est pas satisfait de la réponse apportée ou en l'absence de réponse dans les délais applicables, il peut, lorsque les conditions de saisine sont réunies, recourir gratuitement au dispositif de médiation compétent.",[],{"_key":1438,"_type":98,"children":1439,"markDefs":1452,"style":123},"3883360b5919",[1440,1444,1448],{"_key":1441,"_type":102,"marks":1442,"text":1443},"aacfaf6d2b7a",[],"Le Client peut notamment saisir ",{"_key":1445,"_type":102,"marks":1446,"text":1447},"6bbf23fc52c1",[108],"La Médiation de l'Assurance",{"_key":1449,"_type":102,"marks":1450,"text":1451},"8e37de56e6f2",[],", selon les conditions et modalités indiquées sur son site internet :",[],{"_key":1454,"_type":98,"children":1455,"markDefs":1461,"style":123},"dabd7d5b3151",[1456],{"_key":1457,"_type":102,"marks":1458,"text":1460},"81e7a713958d",[1459],"9d5d8804a5cc","La Médiation de l’Assurance",[1462],{"_key":1459,"_type":1118,"href":1463},"https:\u002F\u002Fwww.mediation-assurance.org\u002F",{"_key":1465,"_type":98,"children":1466,"markDefs":1471,"style":123},"956967b0e62f",[1467],{"_key":1468,"_type":102,"marks":1469,"text":1470},"7669591873b5",[],"La saisine peut être effectuée :",[],{"_key":1473,"_type":98,"children":1474,"level":168,"listItem":169,"markDefs":1479,"style":123},"d06712cc190c",[1475],{"_key":1476,"_type":102,"marks":1477,"text":1478},"f9147ccb4cfa",[],"par voie électronique via le site du Médiateur ;",[],{"_key":1481,"_type":98,"children":1482,"level":168,"listItem":169,"markDefs":1487,"style":123},"b2a7556c4960",[1483],{"_key":1484,"_type":102,"marks":1485,"text":1486},"07268ce74d8d",[],"par courrier à l'adresse suivante :",[],{"_key":1489,"_type":98,"children":1490,"markDefs":1498,"style":123},"df7ec7576be2",[1491,1494],{"_key":1492,"_type":102,"marks":1493,"text":1447},"87d11b48d23d",[108],{"_key":1495,"_type":102,"marks":1496,"text":1497},"1c7d2d3fa0e9",[],"\nTSA 50110\n75441 Paris Cedex 09",[],{"_key":1500,"_type":98,"children":1501,"markDefs":1506,"style":123},"bc0d3828b607",[1502],{"_key":1503,"_type":102,"marks":1504,"text":1505},"b2da3348e9b8",[],"La procédure de médiation est gratuite pour le consommateur. Le Médiateur peut notamment être saisi au terme du processus de traitement de la réclamation et, en tout état de cause, deux mois après la première réclamation écrite adressée au professionnel, conformément aux conditions de saisine applicables.",[],{"_key":1508,"_type":98,"children":1509,"markDefs":1514,"style":123},"214811641c8d",[1510],{"_key":1511,"_type":102,"marks":1512,"text":1513},"7c878110519e",[],"Les coordonnées et modalités de recours à la médiation ainsi que les coordonnées de l'Autorité de contrôle prudentiel et de résolution sont communiquées au Client conformément aux obligations applicables aux distributeurs d'assurance.",[],{"_key":1516,"_type":98,"children":1517,"markDefs":1522,"style":148},"014a0d064267",[1518],{"_key":1519,"_type":102,"marks":1520,"text":1521},"6b73913ee924",[],"Article 23 — Droit applicable et règlement des litiges",[],{"_key":1524,"_type":98,"children":1525,"markDefs":1530,"style":123},"9ad1f8a58156",[1526],{"_key":1527,"_type":102,"marks":1528,"text":1529},"f12f07c0ef4c",[],"Les présentes Conditions Générales sont régies par le droit français.",[],{"_key":1532,"_type":98,"children":1533,"markDefs":1538,"style":123},"008a79e3d898",[1534],{"_key":1535,"_type":102,"marks":1536,"text":1537},"5c4c167dab98",[],"Les Parties s'efforcent de résoudre à l'amiable tout différend relatif à l'interprétation ou à l'exécution des présentes Conditions Générales.",[],{"_key":1540,"_type":98,"children":1541,"markDefs":1546,"style":123},"491f3d6a65fc",[1542],{"_key":1543,"_type":102,"marks":1544,"text":1545},"c14b49362395",[],"Lorsqu'un dispositif de médiation est applicable, le Client peut y recourir dans les conditions prévues à l'article 22.",[],{"_key":1548,"_type":98,"children":1549,"markDefs":1554,"style":123},"23b52683d916",[1550],{"_key":1551,"_type":102,"marks":1552,"text":1553},"1778fd5d4e2b",[],"À défaut de résolution amiable ou de médiation, le litige pourra être porté devant les juridictions compétentes conformément aux règles de compétence applicables.",[],{"_key":1556,"_type":98,"children":1557,"markDefs":1562,"style":123},"6e72d00283c3",[1558],{"_key":1559,"_type":102,"marks":1560,"text":1561},"ef95448d0ea7",[],"Les dispositions du présent article ne peuvent avoir pour effet de priver un consommateur des droits qui lui sont accordés par les règles impératives applicables, notamment en matière de compétence juridictionnelle.",[],{"_type":1564,"eyebrow":1565,"title":1566},"titleObjectType","Légal","Conditions générales de vente en ligne",{"_type":1568,"nofollow":1569,"noindex":1569},"seoObjectType",false,1792588923794]