Legal notice (mentions légales)
| Publisher | My French Mortgage, a trading name of Maxime Guibert 205 Regent Street, London W1B 4HB, United Kingdom |
|---|---|
| Director of publication | Maxime Guibert |
| Contact | contact@myfrenchmortgage.com |
| Hosting | Cloudflare, Inc., 101 Townsend Street, San Francisco, CA 94107, United States |
Regulatory status
The publisher is not a lender and is not registered with ORIAS (www.orias.fr) as a credit intermediary. It does not advise on loans, compare lenders' offers or negotiate with banks. With your consent, it passes your request to one credit broker registered with ORIAS, who contacts you, advises you and deals with the lenders. You can check any broker's registration on www.orias.fr. Credit brokers in France are supervised by the Autorité de contrôle prudentiel et de résolution (ACPR).
Its remuneration is described on the how we work page.
A loan commits you and must be repaid. Check your ability to repay before committing. For a property loan you have a reflection period of at least 10 days after receiving the offer. A purchase financed by a loan is conditional on obtaining it; if it is not obtained, the seller must refund any sums paid. No payment of any kind may be required from you before a loan is obtained.
Complaints: write to contact@myfrenchmortgage.com. We acknowledge within 10 working days and answer within two months.
Content and liability
The guides, rates and calculators on this site are general information about French property finance, prepared with care and dated. They are not personalised advice and not offers of credit. Rates, thresholds and tax rules change; check them with a broker, a notaire or a tax adviser before acting. Links to partner sites are provided for convenience; each partner is responsible for its own content and services.
Text, design and code on this site are protected. Reproduction requires prior written permission.
Photo credits
Photographs from Unsplash, used under the Unsplash licence: Jesse Gardner, Alex Boyd, Constantin, Giacomo Folli, mk. s, Wojciech Rzepka, Jacques Dillies, Ilona Bellotto, Julie, Datingjungle and Jakub Żerdzicki.
Privacy policy
Who is responsible
The data controller is the publisher named above. For any question or request about your data, write to contact@myfrenchmortgage.com.
What we collect
- What you enter in our forms: name, email, phone, country of residence, whether a borrower is a US person, details of the property, approximate funds, income range and currency, existing repayments, your message and your choices of partners.
- For partner brokers: firm, ORIAS number, contact details and the profiles you place.
- Technical data needed to deliver the site, such as server logs, kept for a short period for security.
Why, and on what basis
- To handle your request and introduce you to one broker: steps taken at your request before a contract, and your consent to the transfer to that broker.
- To introduce you to a notary, tax or currency partner: your consent, given by ticking the box for that partner.
- To follow up introductions and improve the matching: our legitimate interest in a reliable service.
- To meet our legal obligations, including complaint handling.
Who receives it
The single broker we introduce you to, the partners you chose, and Cloudflare, which hosts this site and stores and delivers the forms on our behalf. We never sell your data. The publisher is based in the United Kingdom, which the European Commission recognises as providing adequate protection. Where a provider processes data in the United States, the transfer relies on the EU-US Data Privacy Framework or on standard contractual clauses.
How long we keep it
Requests that do not lead to an introduction are deleted after three years without contact. Records of introductions are kept for five years after the introduction, to deal with any question or complaint.
Your rights
You can access, correct or delete your data, restrict or object to its use, ask for a copy in a portable format, and withdraw consent at any time, by writing to contact@myfrenchmortgage.com. You can also complain to the Information Commissioner's Office in the United Kingdom (ico.org.uk) or to the CNIL in France (www.cnil.fr).
Cookies
This site does not use advertising or tracking cookies. While you fill in a form, your browser keeps your answers for that session only so that they are not lost between pages; nothing is stored once you close the tab. If we add audience measurement, it will be a cookie-free tool or will ask for your consent first.