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LEGAL INFORMATION AND PRIVACY POLICY

 

Right to withdraw (article L 112-2-1 of the French Insurance Code) 

According to ordinance number 2005-648 of June 6, 2005 relating to distance selling of financial services, individuals having concluded an insurance contract via internet dispose of a period of 14 clear days starting from the day the contract was concluded, during which they may waive the contract, without justification. This time limit is extended to 30 days for life insurances contracts.

However, this right to withdraw does not apply to travel insurance policies, luggage insurance policies or insurance contracts which have been performed at the request of the insured before the end of the withdrawal period .

Intellectual property

The company S.A.S. ACS is the sole owner of the ASSISTANCE-ETUDIANTS.COM site. Only ACS is entitled to use the intellectual property rights and the rights of the entity linked to these, in particular trademarks, models, copyrights and image rights, whether as the originator of these or by express authorization.

The site was built by ACS and it is hosted at OVH. Access to the site and the use of its contents are governed by the conditions of use described hereinafter.

The Intellectual Property Code and, more generally, international treaties and agreements comprise provisions relating to copyright protection, prohibiting, whatever procedure may be used, the full or partial representation or reproduction of our pages for any use other than private or their modification, without express authorization by the author or its assignees. Law N° 98-536 of 1 July 1998 relating to databases does not make any exception for private copy.

Confidentiality and respect of data relating to private life

In accordance with articles 15 and 16 of law 78-17 of 6 January 1978 relating to information technology, files and civil liberties, data processing implemented in the framework of the ASSISTANCE-ETUDIANTS.COM Website has been declared to the Commission nationale de l'informatique et des libertés (CNIL – National Commission for Information Technology and Civil Liberties) under number 1104666.

The ACSdiffusion list is strictly confidential. If you are recorded on it, in no circumstances will your address be circulated to third parties. You can, at any time, correct the address that you have given us. In any event, you can exercise your right to access and correct the data concerning you.

Links to other sites

The ASSISTANCE-ETUDIANTS.COM site can offer links from its site to other affiliated and non-affiliated sites. These sites are independent. ACS does not publish or control these sites. Consequently, ACS shall not be held liable for their contents, products, advertisements or any elements or services presented on these sites. The affiliated or non-affiliated sites are governed by their own conditions of use and protection of personal data.

Cookie Policy

What is a cookie?

Cookies are small text files stored on your computer or mobile device by the websites you visit when you browse the Internet. They are used to remember some information about your browsing activities and collect information about how visitors use our site. The cookies we use in our website do not contain personal identifiable information.

In your electronic devices (computer, smartphone, tablet, etc.), cookies are managed by your Internet browser. In your browser settings, you can choose to accept, disable or block cookies from being installed (to find out how to do it, please refer to the “Cookie management” section below).

Some of the cookies we use are essential to ensure the proper operation of certain functionalities of our website. Disabling these cookies will prevent you from using the main functionalities of our website (subscribing an insurance, getting a quote, making secure online payments or logging into our Intranet).

We also use some non-essential cookies for analytical purposes, to improve our services and to adapt our offers to our visitors.

What cookies do we use?

We use different kinds of cookies:

Essential site cookies:

These cookies are essential to ensure the proper operation of important functionalities of our website (subscribing an insurance, getting a quote, making secure online payments and others). Disabling these cookies, will prevent our website to work properly for you.. Therefore, we advise you not to disable them.

The cookies that we use:

JSESSIONID Ensures proper operation of the subscription and pricing engines, as well as of our Intranet.
org.springframework.web.servlet.i18n.
CookieLocaleResolver.LOCALE
Ensures proper operation of the subscription and pricing engines, as well as of our Intranet.
has_js Checks if Javascript is enabled in your browser. Our website cannot run correctly without this cookie.


Analytical cookies:

Analytical cookies are used to monitor and collect information about the performances of our website and to gather statistics in order to improve our services.

__utma Google Analytics, statistics
__utmb Google Analytics, statistics
__utmc Google Analytics, statistics
__utmz Google Analytics, statistics
__utmli Google Analytics, statistics
SESS4dd76191edb05141404be84ccb87a6fb Allows our CMS (Drupal) to affect a unique ID to each visitor
PAPVisitorId Identifies the visitors coming from partner websites


Advertising cookies:

These cookies are used to broadcast the most relevant advertisements to you. They also help us to measure the effectiveness of advertising campaigns. Neither us, nor our advertising partners can gain personally identifiable information from these cookies.

Disabling these cookies will not alter your browsing experience on our website. However, it is worth noting that opting out of advertising cookies will not mean you won't see adverts, just simply that they won't be tailored to you any longer.

NID Google advertising cookie
PREF Google advertising cookie


Content sharing cookies:

When you are browsing our website, you are able to share contents through social networks such as Facebook, Twitter or Google+. When you click on a sharing button, a cookie is installed in your Internet browser.

Find out more about the social networks privacy protection policies on their own websites.

__atuvc AddThis, social networks content sharing system
bt AddThis, social networks content sharing system
di2 AddThis, social networks content sharing system
dt AddThis, social networks content sharing system
loc AddThis, social networks content sharing system
uid AddThis, social networks content sharing system
uit AddThis, social networks content sharing system
um AddThis, social networks content sharing system
pid Twitter, social network cookie


Cookie management

To disable cookies, you can modify the security settings of your Internet browser. You can either activate an option to be informed when a cookie is about to be installed, you can block specific cookies or you can simply disable them all. Another solution is to use your internet browser on incognito mode (private browsing) to avoid cookies from being stored.

We remind you that if you modify your cookies settings in your Internet browser, you might not have access to all of our web based services. For example, you would not able to make a purchase. In order to provide you the best browsing experience on our website, please consider the information above before changing your Internet browser settings.

To modify your cookies settings, please find your Internet browser in the list below and follow the instructions:

Supervising Authority

The body in charge of supervising S.A.S. ACS is the Autorité de Contrôle Prudentiel (ACP), and is located at 61 rue Taitbout, 75009 Paris, France.

Contact Information

Assurances Courtages et Services (ACS)
S.A.S. au capital de 150 000 €
153, rue de l'Université - 75007 Paris

Tel. : +33 (0)1.40.47.91.00
Fax : +33 (0)1.40.47.61.90

N° SIRET 317 218 188 00058
N° ORIAS 07 000 350 – Web site ORIAS : www.orias.fr