WEBSITE AND TERMS CONDITIONS

SGB Finance is a subsidiary of CGL, Compagnie Générale de Location d’Equipements S.A., and the Beneteau Group. SGB Finance has its headquarters located at 69 avenue de Flandre, 59700 Marcq-en-Baroeul, France. SGB Finance is a French finance company registered under company number 422 518 746 at the Trade & Companies Register of Lille Métropole. SGB Finance is authorised by ACPR, the French regulatory authority.

1. Please Read Carefully

By accessing this website and viewing it you accept all of the General Terms and Conditions of Use defined hereafter, without limitation.
If you do not agree with all or part of these conditions, you must refrain from accessing and using this website.
SGB Finance reserves the right to add to or amend these provisions at any time. We therefore invite you to read these General Terms and Conditions every time you visit the website.

2. Copyright

The content of the website including its design, its organisation and its presentation are the property of SGB Finance and/or third parties and are protected by copyright or any other intellectual property rights.
You are expressly prohibited from reproducing, modifying, distributing in any form whatsoever, in whole or in part, any document, data, drawing, photograph and more generally any component of the website that may be protected by an intellectual property right.
You are authorised to download, display and print the content of this website solely for personal and non-commercial ends.

3. Trademarks

The trademarks and logos included on this website (“SGB Finance”) are registered trademarks, which belong to SGB Finance, affiliated companies or third parties. Nothing on this website may be interpreted as a transfer of any kind of right over these trademarks, without prior written authorisation from SGB Finance or the third party in question.

4. Links to Other Websites (Hypertext Links)

SGB Finance shall not incur any liability with regard to the content, the data included, or the products or services available by following any hypertext links from www.sgb-finance.uk or another to other websites or the consequences of their use. If you decide to access external websites, you do so under your own responsibility.
Any creation of a hypertext link to the website requires prior written authorisation from SGB Finance.

5. Limitation of Liability

In spite of the efforts taken to verify and update the information put online on the website, SGB Finance cannot guarantee that it is accurate or exhaustive. Therefore, SGB Finance cannot incur any liability due to information that is false, inaccurate or incomplete or for the results that may be obtained due to the use, even in part, of such information.
In no event may SGB Finance be considered as liable for any direct or indirect damage that may result from viewing this site, in particular and without limitation, any financial prejudice, loss of data or interruption of business.

6. Collection of Personal Data

In its capacity as data processor, the Lender carries out processing of your personal data for the purposes described in the paragraph “Purposes and Legal Basis for Processing the Data” below (the “Purpose”). The Lender has appointed a Personal Data Protection Officer (“DPO”).

Personal data are any information that can be used to directly or indirectly identify a natural person (surname, first name, postal or electronic address, telephone number, customer number, etc.). The processing of personal data applied by the Lender is aimed, in particular, at collecting, recording, structuring and using personal data (“data”) regarding you. In relation to the Purpose, the Lender processes data regarding your identity and personal, professional, economic, financial and banking position and, where required, that of the members of your household.

The data is mandatory and required by the Lender to decide whether to enter into the Agreement with you. If all necessary information is not provided to the Lender then the Lender will not be able to enter into the Agreement. Any false or unlawful declaration may be subject to specific processing to prevent and manage irregularities.

How are the Data Collected?

The data processed by the Lender are collected as follows:
– directly from you by means of forms or through the Lender’s exclusive UK broker and the personnel of the Lender ; or
– from third-parties: (i) to check your identity and credit status and help the Lender assess its lending risks and decide to enter into the Agreement with you, Credit Reference Agencies and Fraud Prevention Agencies are consulted by the Lender’s exclusive UK broker and data regarding you are at that time collected, and (ii) the Lender researches and collects from third-party organisations (private databases, etc.) data regarding you in order to carry out checks in the context of its obligations to prevent money laundering and the financing of terrorism, and the application of financial penalties.

Purposes and Legal Basis for Processing Data

The data and data that may already be held by the Lender and information collected at a later date are processed for the Purposes described in the following table. Processing is carried out on the legal bases defined in the same table.

The legal bases are (i) compliance by the Lender with a legal, regulatory or administrative obligation (the law obliges the Lender to process the data) or (ii) the performance of pre-contractual measures required to conclude the Agreement (the pre-contractual measures and the associated processing of data are required by the Lender to make its decision to accept to enter into the Agreement with you or otherwise) or (iii) the performance of the Agreement (it would be impossible for the Lender to perform the Agreement without processing the data) or (iv) the Lender pursuing its legitimate interests (the data are processed in particular in order to satisfy the commercial and economic interests of the Lender subject to the rights and your fundamental interests) or (v) the consent granted to the Lender by you for the processing of your data for one or more specific purposes that require such consent.

Purpose Legal Basis
  • Your identification: collecting and verifying proof of identity and proof of address and activity.
  • Preventing and handling situations of over-indebtedness.
  • Managing defined payment incidents and declaring these incidents.
  • Communication by the Lender to the authorised companies of the Société Générale Group and the authorised inspection, supervisory, administrative, fiscal or legal authorities, in particular for the purposes of operational risk management, supervisory reports and financial auditing, and to prevent money laundering and financing terrorism, and for the application of financial penalties or to comply with legal requisitions.
  • The Lender’s legal, regulatory or administrative obligations
  • Studying requests for financing, assessing, selecting and managing credit risks and risks of bankruptcy, preparing statistical models, deciding to grant or refusing to grant financing.
  • Performing pre-contractual measures required to enter into the Agreement
  • Preparing and managing any real or personal guarantees required by the Lender during the conclusion of the Agreement.
  • Management operations (Agreement, claims, etc.), customer relations, managing and preventing payment incidents and recovery.
  • Updating the data already held by the Lender following their updating by you.
  • Performance of the Agreement
  • Operations to prevent and manage irregularities.
  • Processing electronic document management: processing consisting of digitising the documents related to the Agreement to facilitate their consultation by the staff responsible for managing the Agreement.
  • Marketing operations, including by electronic means (email and/or text), carried out by the Lender and addressed to you (unless you object by sending an email to the address given below) in order to offer you similar products and services to those covered by the Agreement.
  • The Lender performing enquiries and surveys in order to collect your opinion and feedback regarding the Lender’s products and services, organisation and management of competitions and prize draws and the assignment, rental or exchange of customer files.
  • Recording and monitoring of your telephone calls with the Lender’s staff to allow the Lender to improve the quality of its services and to train and assess its personnel.
  • Allowing the Lender to pursue its legitimate interests
  • Communication pursuant to the provisions of the Professional Secrecy clause below:
    – to the entities of the Société Générale Group and the Lender’s other banking partners that are subject to professional secrecy of data required to perform the Purposes listed in the aforementioned clause.
    – to the Lender’s business partners of data for the purposes of monitoring business relations and marketing, including by electronic means (email and/or text), subject to your agreement given by ticking the marketing and professional secrecy boxes above.
  • Consent given by you

    Who are the Recipients of the Data?

    The data is intended for the Lender and its departments and staff within the limits of their duties and the necessary limits for performing the Purposes described above.

    In the context of complying with its legal, regulatory or administrative obligations, the Lender may communicate the data to the authorised companies from the Société Générale Group and the authorised inspection, supervisory, administrative, fiscal or legal authorities in particular for the purposes of operational risk management, supervisory reports and financial auditing, and to prevent money laundering and financing terrorism and for the application of financial penalties or to comply with legal requisitions.

    The Lender may communicate the data to its subcontractors and agents within the limits required for the performance of the Purposes. In this context, the data may be transferred to subcontractors located in countries that are not members of the European Economic Area. In such case, in order to ensure the security and confidentiality of the data, a specific and demanding contractual framework shall determine the conditions for the work performed by such subcontractors. This contractual framework is based either on an adequacy decision by the European Commission or on the standard data protection clauses adopted by the European Commission.

    Pursuant to the provisions of the Professional Secrecy clause below, the Lender may communicate the data to entities of the Société Générale Group and other banking partners subject to professional secrecy.

    Subject to the consent given by you, who are signatories to the Agreement, by ticking the appropriate boxes above, their data shall be sent to the Lender’s business partners for marketing purposes, including by electronic means (email and/or text).

    Duration of Archiving of Your Data

    In the event that financing is granted, your data shall be kept for the duration of the contractual relationship plus applicable periods of limitation. If no financing is granted, your data shall be kept for 14 months.

    Any recordings of telephone conversations with the Lender’s personnel shall be kept for no more than 6 months.

    Your Rights

    In the event that financing is refused by the Lender, you may ask for a meeting in order to make remarks. To do so, you must send your request to the address below.

    You have the following rights:
    – a right to access: enabling you to obtain the confirmation of the data processed by the Lender;
    – a right to rectification: enabling you to ask for the correction and updating of your data;
    – a right to erasure: enabling you to request the deletion of your data if (i) your data is no longer required for the Purposes or (ii) you have withdrawn your consent on which the processing is based or (iii) you objected to the processing for reasons relating to a specific situation and there are no overriding legitimate grounds for the processing or (iv) you objected to the processing of your data for marketing purposes or (v) your data have been subject to illicit processing or (vi) your data must be deleted to comply with a legal obligation that is provided for by European Union law or French law;
    – a right to restriction of processing: enabling you to obtain from the Lender a suspension of the processing of data if (i) the accuracy of your data is disputed by you, during the period required by the Lender to verify the accuracy of the data or (ii) the processing is unlawful and you object to the erasure of the data and instead require a restriction on the use thereof or (iii) the Lender no longer needs your data for the purposes of processing but your data are still required by you for the establishment, exercise or defence of legal claims or (iv) you objected to the processing following a verification as to whether the legitimate grounds of the processing pursued by the Lender override your rights;
    – a right to data portability: enabling you to receive the data in a structured format or to ask for your data to be directly transferred to another data processor. This right is restricted to data provided by you, which is processed by the Lender by automated means (paper files are therefore excluded) in the context of the performance of the Agreement or when the processing depends on your consent. Any data created by the Lender, such as a customer or contract number or a customer profile and any processing implemented by the Lender to meet its regulatory obligations and for its legitimate interest (for example marketing) are excluded from this right to data portability;

    – a right to object: enabling you, for reasons relating to a specific situation, to object to the processing of your data. You may also object, at no cost, to the use of your data for marketing purposes, including by electronic means.

    The above rights may be exercised by writing to SGB Finance, Pôle PDCP, 69 Avenue de Flandre, 59700 Marcq-en-Barœul, France or by email sent to pdcp-sgb@cgifinance.fr. For security reasons, any request you make must be accompanied by a copy of document proving your identity. In order to allow for your request to be processed efficiently, you are asked to clearly indicate the right(s) you wish to exercise and any information that may facilitate your identification (i.e. the loan agreement number).

    By virtue of the provisions of Article 40-1 of French law 78.17 of 6 January 1978 regarding computing, files and freedoms [the French equivalent to the Data Protection Act], you have the right to define conditions that will apply to the archiving, removal and communication of your data after your demise.

    In relation to data processed in the context of the fight against money laundering and the financing of terrorism, any right of access to such data must be exercised by contacting the Commission Nationale de l’Informatique et des Libertés (CNIL).

    You may also withdraw your consent if the processing of your data depends solely on consent, it being understood that your withdrawal may make it impossible for the Lender to provide the product or service required or subscribed to.

    For more information about your rights, you consult the CNIL website on the following address: http://www.cnil.fr You also have the right to file a complaint with the CNIL.

    PROFESSIONAL SECRECY

    Pursuant to Article L. 511-33 of the French Monetary and Financial Code (Code Monétaire et Financier), the Lender is subject to professional secrecy.

    This secrecy is however waived when the Lender is required to comply with legal, regulatory or administrative obligations. Your personal and financial data referred to above may also be communicated by the Lender to judiciary, administrative, fiscal or auditing and supervisory authorities and the authorised companies of the Société Générale Group, in particular for the purposes of operational risk management, supervisory reports and financial auditing, and to prevent money laundering and the financing of terrorism, and for the application of financial sanctions or to comply with judicial requisitions.

    By virtue of Article L. 511-33 of the French Monetary and Financial Code, the Lender may share your data with, in particular, brokers and insurers who are partners with the Lender for the purposes of subscription to, and the performance and management of any insurance policies that may be taken out by you as well as any claims, its subcontractors, ombudsmen and officers of the court, judicial officers, representatives and service providers working on recovery operations.

    You also expressly authorise the Lender to communicate to the entities of the Société Générale Group and its banking partners, subject to professional secrecy, your personal and financial data covered by professional secrecy and data regarding your identity, your application for finance, its study, its granting and its management, the assessment and prevention of lending risks and the prevention of outstanding payments, within the limits required for the following purposes: updating any of your data in the Lender’s possession, managing customer relations, studying requests for financing, the assessment, selection and management of our lending risks and risks of default, preparing statistical models, managing our financing and preventing outstanding payments, carrying out enquiries, surveys and marketing operations, including by electronic means, if you have given your consent to the latter. A list of the aforementioned Société Générale Group entities and banking partners may be communicated to you if you send a simple request to the Lender. You have the option to withdraw your consent to share personal data at any time.

    Finally, subject to your express agreement by ticking the boxes to this effect above, you expressly authorise the Lender to communicate your personal and financial data covered by professional secrecy to its partners within the limits required for the following purposes: monitoring business relations and marketing, including by electronic means if you have given your consent. You have the option to withdraw your consent to share personal data at any time.

    7. Cookies

    We may have cause to install “cookies” on your computer.
    Through these cookies installed on your computer, data that is indirectly nominative concerning you (IP address) may also be collected and used for statistics, for tracking purposes, and to manage your browsing.

    What is a Cookie?

    A cookie is a text file that may be saved in a specific space on the hard drive of your terminal* when you visit this website by means of your browser. A cookie allows its issuer to identify the terminal on which it is saved, during the validity period for the saving of the said cookie. It also stores information about your browsing on our website (the pages consulted, the links or the advertisements on which you have clicked, the date and time at which you consulted them, your IP address, etc.), and makes it possible to offer you customised services.

    * Terminal refers to the hardware (computer, tablet computer, smartphone, etc.) used to browse or display this website.

    The Cookies Used by sgb-finance.fr
    This site uses the following types of cookies:

    – Technical or operational cookies. These cookies are used to optimise the operation and to give you access to specific functions. They also allow you to adapt the presentation of our site to the display preferences of your terminal. These cookies therefore enable you to have smooth and customised browsing. Installing cookies on your terminal is the simplest and quickest way to customise and improve your user experience.

    – Audience and statistics cookies. These cookies are used purely for statistics and make it possible to measure the audience of the website, and to record how often you visit the website and the pages that you visit. This allows us to know how our visitors use the website and to adapt it to better meet their needs. These cookies come from Google Analytics.

    Third Party Cookies

    The issuing and use of cookies by third parties are subject to the “cookies” policies of said third parties. We inform you about the cookies of which we are aware and the means that you have at your disposal to make choices about these cookies.

    Procedures to Deactivate Cookies
    You can choose to deactivate cookies. In order to do so, you just need to configure your browser as follows:

    For Internet Explorer:
    Open the Tools menu then select Internet options
    Click on the “Privacy” tab
    Under Settings, move the slider to the top to block all cookies (or the bottom to allow all cookies), and then select OK.

    For Firefox:
    Click on the Firefox button at the top of the Firefox window (Tools menu in Windows XP), then select “Options”.
    Select the “Privacy & Security” section.
    Adjust the settings for History: use custom settings for history.
    Untick “Accept cookies from websites”.

    For Chrome:
    Click on the spanner icon that is in the tool bar of the browser.
    At the top right, click More Settings.
    At the bottom, click Advanced.
    Under “Privacy and security,” click Content settings.
    In the “Cookies” section you can block cookies and data from third party websites

    For Safari:
    Open Preferences
    Click on “Privacy”
    Select a “Cookies and Website Data” option: Always block

    For Opera:
    Open Settings
    Click on Quick Settings
    And untick “Enable Cookies”

    Your browser call also be configured to alert you to cookies when they are installed on your computer and ask you whether or not to accept them.

    Please remember that the configuration may alter your conditions for accessing our services that require the use of cookies.