a. Services offered on the site
I. You wish to offer a leasing contract to your customer as part of a mandate they have given you
The “eligibility” service The Site allows you to find out whether your customer is eligible for a NovaLend long-term rental offer by entering the company’s SIREN number.
The “price” service “The Site offers the possibility of calculating the amount of a rent from the amount of the investment, using scales defined by NovaLend. You remain solely responsible for providing the data required for these calculations.
With a view to obtaining ratification of the financing decision, the Site offers you the possibility of entering the information required to ratify this decision, which constitutes a financing agreement (in particular, the amount of the rental payments, the frequency, the payment terms, and the identification of the equipment). You remain solely responsible for providing the data required for these calculations, which may be revoked by NovaLend in the event of fraud.
Issuing the ContractThe Site offers the option of issuing the rental contract for requests that have been ratified. You must enter the additional data requested by the Site, in particular the details of the Equipment to be financed. You remain solely responsible for providing the information required to draw up the hire contract and for ensuring that it complies with the finance agreement. Any failure to do so will give rise to legal proceedings.
NovaLend’s teams analyse your customer’s project financing file. In order to facilitate the customer experience, the Site uses external commercial databases; NovaLend cannot be held responsible for the information collected in these databases. In addition, you undertake to provide NovaLend with true, accurate and complete information on the project and the company’s situation, without omission, in order to study your client’s application.
b. Identification of the parties
In order to combat fraud, NovaLend will carry out checks on the identity of your company and the identity of the manager(s) or signatory(ies) authorised to commit the company.
For this reason, we may need to validate the identity of the ultimate beneficiaries of the operation and the company’s directors in parallel with the credit analysis.
Any false or irregular declaration may be subject to specific processing designed to prevent fraud.
c. Acceptance of the rental offer and electronic signature
I. You offer a long-term rental contract to your customer
You access the site, or have sent your mandate to NovaLend by any means whatsoever (post, e-mail, telephone call, etc.), in order to send you a commercial proposal.
II. You make a direct request for your company You have submitted a request on the Site and obtained a commercial proposal
You expressly acknowledge that the decision to accept or refuse financing for the project presented is made at NovaLend’s discretion, and that NovaLend cannot be held liable for any refusal.
The simple electronic signature process for rental contracts on the Site takes place via a secure session (SSL – https) with two-factor authentication, including 2 stages:
The first stage of authentication is carried out using your e-mail address;
The second stage is carried out by sending an SMS to your mobile phone containing a signature code to be entered on the Site to validate your pre-registration and express your full consent to the Site’s GTC.
Any long-term rental contract signed on the Site is binding on the signatory. You acknowledge that you have read and understood the commitments and obligations associated with the rental contract. You acknowledge that you have not been forced or coerced to sign the contract and therefore that you are not in a situation of forced sale.
d. Downloadable content
We may make content available on this Site that you are authorised to download. By downloading or using this Downloadable Content, you undertake to use it in accordance with these GCU.
We grant you a non-exclusive and non-transferable right to use the Downloadable Content solely for your personal and private needs, free of charge and for the legal duration of copyright protection. Any reproduction, representation, modification or distribution of the Downloadable Content must be expressly authorised by us.
e. Personal data