General Terms and Conditions of Use Dex Global Loans

Navigation on the Site is subject to the European and French laws and regulations in force and to these General Terms and Conditions of Use (hereinafter "GTC")

Preamble

Subsequently, Dex Global Loans refers to Dex Global Loans and its subsidiaries. In article 8, the Dex Global Loans Account refers to the account opened on Dex Global Loans and to the Payment Wallet associated with the Dex Global Loans Account.

1. Access to the site

1.1 General provisions

To access and use all the features of the Site, you must be of legal age or a minor with parental consent, not be considered a "US person" within the meaning of the US tax authorities, have a bank account in the Euro zone, a valid e-mail address and a mobile phone number

Access to some of the sections of the Site requires the use of personal access codes, in which case it is your responsibility to take appropriate measures to ensure the secrecy of these codes, which you may modify at any time, but the number of attempts to access these sections may be limited in order to prevent fraudulent use of these codes, and we invite you to inform us of any fraudulent use of which you may become aware

You acknowledge that the data you provide to us and which are stored in our information systems are accurate and constitute proof of your identity, and we kindly ask you to inform us of any changes to this data

In the event of non-compliance with the rules described in these General Terms and Conditions of Use, we reserve the right to suspend your access to the Site, in which case we will inform you as soon as possible

Although we strive to keep the Site accessible at all times, we cannot guarantee you this access in all circumstances, as access to the Site may be interrupted for reasons of maintenance, updating, or any other reason beyond our control, without Dex Global Loans's liability and navigation on the marketplace is entirely secure (SSL - https)

1.2. registration of individual lenders

1.2.1 Pre-Registration - Step 1: Validation of the T&C

Before you can access the list of projects available on the site, you must

Pre-register (by providing your full name, e-mail address and choosing a password that must contain at least 8 characters including 1 number)

Validate these Site Terms and Conditions, as well as the General Terms and Conditions of the Payment and/or Electronic Money Service Provider or any intermediary mandated by the Platform appearing on the Site

Confirm your email address, by clicking on the link of the email that was sent to you following your pre-registration

During this step, you will automatically be registered to receive a regular newsletter presenting the new projects available on the Site, as well as the evolution of current projects, if you wish to unsubscribe from this newsletter, simply unsubscribe when you receive the first letter by clicking on the link included inside this letter

Following this step, you have the choice between continuing your registration or browsing the site to discover projects to be financed...

1.2.2 Pre-registration - Step 2: Security, Two-factor authentication and simple electronic signature

Some additional information is requested from you, including your date of birth, place of residence and mobile phone number

The investment process and the simple electronic signature of loan contracts on the Site takes place through a secure session (SSL - https) with bi-factor authentication including 2 steps

  • The first step of authentication is performed using your email and password;
  • The second step is carried out by sending an SMS on your mobile phone containing a signature code to be registered on the Site to validate your pre-registration and fully express your consent to adhere to the site's Terms and Conditions.

1.2.3 Registration: KYC (Know Your Customer) Process - Verification of your identity

As Dex Global Loans IFP carries out an intermediation activity in participatory financing, the Site is subject to the regulations in force relating to the fight against money laundering and terrorist financing

For this reason, before you can access all the features of the Site, and in particular before you can invest in accordance with Article 2 of these T&Cs, you must download the following 3 documents

  • Copy of an identity document from the following 3 types of documents
    • Valid passport (pages 2 and 3) in colour
    • Valid National Identity Card (Front /Verso) in colour
    • Valid residence permit (Front / Verso) in colour
  • Tax residence of individuals (a copy of one of the following documents)
    • Water receipt (less than 3 months);
    • Electricity receipt (less than 3 months);
    • Gas receipt (less than 3 months);
    • Fixed telephone, mobile or internet bill at your address (- 3 months);
    • Residential tax (can be transferred from 01/11 to 30/04);
    • Property tax or provisional third party tax (can be transmitted from 01/10 to 31/03);
    • Rent receipt from an institutional (- 3 months).
  • A Bank or Postal Identity Statement

This verification step is entirely manual and may take up to 2 business days

Any false or irregular declaration may be subject to specific processing in order to prevent fraud

1.2.4 Subscribing to your Dex Global Loans Account

Before you can invest on the Site in accordance with article 2 of these T&Cs, you must fund your GeldLoan Account by credit card (up to $1,000 per transaction, within a limit of $2,000 over 30 sliding days) or by transfer

1.2.5 Adequacy test

At the end of the verification process, you must answer a multiple choice questionnaire (estimated filling time: 1 minute) to confirm your investment capacities and your suitability to invest on the site

1.3. registration of borrowers

1.3.1 Testing your company's eligibility for Dex Global Loans financing, free of charge and without commitment

You can test your company's eligibility for Dex Global Loans financing by first communicating your company's SIREN, the amount of financing you want and the purpose of the financing

In order to receive the result of your eligibility test, you will be asked to register and in particular to check your e-mail address and the need for funding

1.3.2 Preparation of the financing file and analysis

The constitution of the financing file will be mainly manual and will require the following documents to be sent (without this list being exhaustive)

  • The last 3 tax returns (Annexes 1 to 17)
  • The maturity schedule of your existing debts

An analyst will contact you by e-mail and telephone as soon as possible to review your project and better understand your needs, and may request additional documents if necessary to prepare his analysis, which he will then formally submit to the Dex Global Loans Factory Credit Committee

The duration of this process varies, and takes on average 4 to 5 working days depending on the nature of the case and the speed of the exchanges

After validation by the GeldLoan Factory committee, the funding request is sent to Dex Global Loans IFP, which decides on eligibility for participatory funding

1.3.3 KYC (Know Your Customer) Process - Verification of Your Company's identities and the identity of the Officer(s) authorized to commit the Company

Dex Global Loans is subject to the regulations in force relating to the fight against money laundering and terrorist financing, and for this reason, we will have to validate the identity of the ultimate beneficiaries of the operation and the company's managers in parallel with the credit analysis

Any false or irregular declaration may be subject to specific processing in order to prevent fraud

1.3.4 Acceptance of the Loan Offer / Electronic Signature

At the end of the deliberations of the Dex Global Loans Factory Credit Committee, we will inform you of the acceptance or refusal of the financing of your project, and you expressly acknowledge that this decision is taken at L Factendixory's discretion, and that Dex Global Loans Factory cannot be held liable for the decision to refuse

In the event of a positive response from us, your project will only be put online after the signature of our Borrower Agreement, which lists the information provided by you during the steps detailed in paragraphs 1.3.1 to 1.3.4 above of these GCU, the main characteristics of the loan (amount, duration, rate, fees and commissions, estimated TEG), as well as the legal conditions for putting your project online on the Site

The Borrower Agreement must be reviewed and signed manually or electronically by you

By signing the Borrower Agreement and the mandate included in its appendices, you formally mandate Dex Global Loans IFP to sign electronically on your behalf the multiple loan agreements of the Lenders

2. Use of the site

We remind you that the use of the Site requires that you have the necessary hardware and software to use the Internet

In addition, we remind you that since the Internet does not guarantee the security, availability and integrity of data transmissions, we cannot be held liable for any errors, omissions, deletions, delays, failures (particularly due to viruses), communication lines, computer equipment and software over which we have no control or in the event of unauthorized use or damage to any content you may publish on this Site

On the secure areas, you will be able to learn about investment or borrowing opportunities and thus either lend to companies or borrow from individuals

You undertake to use the information made available on the Site exclusively for the purpose of determining the advisability of subscribing to a financing request or obtaining financing

In addition, you agree to indemnify Dex Global Loans for any harmful consequences related directly or indirectly to the use you make of the service

The following provisions are expressly brought to your attention: By using this Site, you agree not to

  • disseminate content that is harmful, defamatory, unauthorised, malicious, invasive of privacy or image rights, inciting violence, racial or ethnic hatred;
  • use the Site to engage in politics, propaganda or proselytizing;
  • publish advertising or promotional content;
  • disseminate information or content likely to offend the sensibilities of the youngest;
  • engage in illegal activities, including infringing on the rights holders of software, trademarks, photographs, images, texts, videos, etc...;
  • use a defamatory, malicious identifier, violating privacy or image rights, inciting violence, racial or ethnic hatred.

Dex Global Loans shall not be liable for any direct or indirect damage resulting from the use of this Site

2.1. services offered on the Site

2.1.1 You wish to lend on the Site

Lenders investing on the French Dex Global Loans site are individuals of legal age

The Dex Global Loans Account is an account that allows you to simply invest your savings in loans issued by French companies

You can open a Dex Global Loans Account from 50$ and lend from 20$ to many companies selected by our teams of analysts

You choose the companies you like, and in a few clicks you lend and every month you receive the deadlines honored by the companies you have lent to

We invite you to read the General Terms and Conditions of our Payment and/or Electronic Money Service Provider or any intermediary mandated by the Platform appearing on the Site at https://geldloan.com/terms-and-conditions/ which describe the operation of the payment and refund operations that could be carried out on your Dex Global Loans Account

We remind you that lending money to small and medium-sized businesses presents a risk of total or partial loss of the sums lent, and requires you to immobilize the sums lent throughout the term of the loan, and we invite you to diversify your savings on a large number of projects in order to offset the risk of default (and loss) on a given project. diversification is a fundamental point for any investor on a loan platform

We invite you to take the time to reflect and carefully read the documentation available on the Site and check all the information you consider useful before making your decision

Dex Global Loans IFP will not be held liable for the financial and tax consequences of the loans granted by you on the Site, and reminds you that you retain full initiative and responsibility for the loan granting choices made on the Site