Please note! This investment product is intended for professional investors only. There is no capital guarantee and performance is not guaranteed.

To access this information, please confirm that you are a professional investor.
A professional client is a client who has the experience, knowledge and competence to make his or her own investment decisions and correctly assess the risks involved. Please ensure that you are a professional investor by referring to article L. 533-16 of the French Monetary and Financial Code.
The information available on the website does not constitute an offer to subscribe or a personalised recommendation. Younited Credit may not be held liable following consultation of this information.

Legal notice

You are currently connected to the “www.younited.com” website published by YOUNITED SA. This site is hosted on SITEGROUND servers.

Company name: YOUNITED SA
Trade name: YOUNITED CREDIT
Limited company with a capital of : 1 934 392 €.
Registered office: 21 rue de Châteaudun – 75009 PARIS.
RCS : Paris n° 517 586 376.
ORIAS N°: 11 061 269 (www.orias.fr).
Intracommunity VAT no.: FR18517586376.
SIRET NO.: 51758637600058.
APE: 6619B
License no.: 16488

 

YOUNITED CREDIT activities

PRET D’UNION became YOUNITED CREDIT on March 16, 2016. Since September 26, 2011, YOUNITED CREDIT (ex – Prêt d’Union) has been authorized by the Autorité de Contrôle Prudentiel et de Résolution as a Credit Institution and Investment Services Provider under number 16488. In particular, YOUNITED CREDIT is authorized to carry out the following operations:

– Granting of consumer credit, in the form of amortizable loans only (no revolving loans) for individual customers in France, Italy, Spain, Portugal and Germany.

– Marketing of optional insurance policies to its borrower customers, in its capacity as an insurance intermediary, covering the risks of death, disability and loss of employment.

– Receipt of funds repayable to the public in the form of term deposits (France, Italy, Spain, Germany, Austria and the Netherlands).

– Receipt and transmission of orders (RTO) on behalf of third parties, unsecured placement of debt securities and investment advice (France).

YOUNITED CREDIT offers, accessible via the French version of its website, are reserved :

– For consumer credit: to solvent individuals of legal age residing in France;

– For investment products: to “professional” investors within the meaning of article D533-11 of the French Monetary and Financial Code, who have an account with a banking institution in the European Economic Area.

YOUNITED SA is a member of the Fonds de Garantie des Dépôts et de Résolution (FGDR) and contributes to the Fonds de Résolution Unique (FRU). Deposits collected by YOUNITED CREDIT in the form of term deposit accounts and the securities it holds are covered by guarantee mechanisms managed by the FGDR under the terms and conditions defined by article L. 312-4 et seq. of the French Monetary and Financial Code. These terms and conditions can be consulted here. For further information, please visit the website of the Fonds de Garantie des Dépôts.

Financial securities – Warning

YOUNITED CREDIT draws the attention of users wishing to invest, and warns them, in general, of the risks associated with an investment in financial securities, namely the risks of hazards, volatility, liquidity and loss of capital. As the investments offered by YOUNITED CREDIT are not capital-guaranteed, investors are exposed to partial or total loss of the capital initially invested. Before placing an order, YOUNITED CREDIT recommends that you consult the information on financial securities, the operations concerned, their characteristics and their potential risks, available on its website. YOUNITED CREDIT declines all responsibility for the consequences of orders transmitted, and in particular for any financial losses incurred by a client for any reason whatsoever, including unfamiliarity with markets and risks. Investors should carry out their own risk analysis and, if necessary, consult their own legal, financial, tax, accounting or other professional advisors. In particular, if your tax residence is outside mainland France, you are required to check that YOUNITED CREDIT’s services are compatible with the legislation applicable to you before using them. YOUNITED CREDIT shall not be held liable for any violation thereof. In the event that YOUNITED CREDIT provides investors with advice, information or recommendations, YOUNITED CREDIT shall not be liable for the profitability of its advice, information or recommendations. YOUNITED CREDIT recommends that you carefully read the “Risk Factors” section of the Specific Regulations of the YOUNITED CREDIT FCT. The YOUNITED CREDIT investment product, with no capital guarantee and limited liquidity, is intended for professional investors within the meaning of Article D533-11 of the French Monetary and Financial Code. Categorization as a professional client entails a lower level of protection than non-professional client status. YOUNITED CREDIT is free to accept or refuse to categorize potential investors as professional clients on the basis of an assessment of their competence, experience, knowledge of financial matters and financial capacity to absorb a loss.

Order reception and transmission

In the event of malfunctioning of the order reception system, YOUNITED CREDIT will, as far as possible, inform clients of the nature and foreseeable duration of the malfunctioning, as well as of possible ways of placing orders.

 

Managing conflicts of interest

In accordance with current regulations, YOUNITED CREDIT has implemented and maintains a policy for detecting and managing potential conflicts of interest. For more details on this policy, click here.

 

Claims

Borrowers and investors, if you have a complaint, please send us an e-mail to reclamation@younited-credit.fr. We promise to reply within 10 days. To consult the complaints handling procedure, click here.

 

Professional alert reporting system

In accordance with Law 2016-1691 of December 9, 2016 on transparency, the fight against corruption, and the modernization of economic life, known as Sapin 2, YOUNITED CREDIT has set up a whistleblower protection scheme (“whistleblowing”). For more details, click here.

 

Personal data

As part of its consumer credit and investment services business, Younited may collect and process some of your personal data. By using the platform and performing a simulation, you acknowledge and agree to the processing of your personal data by Younited in accordance with applicable law, in particular Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016, and the stipulations of the Personal Data Protection Policy. Data processing is described in our General Terms of Use. If you have any questions about our policy or your personal data, you can send us an e-mail to the following address: dpo@younited-credit.fr. You will find below the list of companies located outside the European Economic Area to which we may transfer some of your personal data: – MetLife group companies located outside the EEA (Loan insurance). Metlife’s privacy policy is available here.

 

Information and newsletters

In order to keep you informed of our latest news and benefits, you may receive offers from our company by electronic means (email or sms). If you do not wish to receive offers and information from Younited Credit, you can opt-out at the time of your request, or update your preferences at any time by going to your customer area – “My subscriptions” section. You can also change the frequency of mailings or stop receiving certain programs at any time directly from the Younited Credit emails you receive (“Unsubscribe” link at the top of each email sent). You may receive emails inviting you to upload documents in the document upload interface or to provide additional information as part of the credit application made on our site. This communication is based on Younited’s legitimate interest in the management and commercial relationship with its customers and prospects and does not require your prior consent.

 

Our partners

The list of our partners’ business sectors, to whom we may transfer your data with your consent, is available here.

 

Cookies

When you visit the Younited website, a cookie is automatically placed on your computer and stored on your hard drive. What is a cookie? A cookie is a file downloaded to your computer, tablet or cell phone when you access a site. Cookies enable us to store and retrieve information about your browsing habits, the device from which you are browsing and, depending on the information they contain, may enable us to recognize you as a frequent user or customer. What types of cookies are used on our site? – Technical cookies: these are used to manage activities strictly related to the operation of the site. Younited uses them anonymously for statistical purposes (number of pages viewed, time spent on the site, etc.) or to offer you an optimized experience (browsing language, detection and correction of an anomaly on a specific browser, etc.). – Third-party cookies: Younited works with several partners, who use cookies anonymously, to provide statistics on the origin of its visitors or their browsing behavior. Younited uses them to improve the performance of its site and advertising campaigns. How do I delete cookies? If you wish, you can block the use of cookies at any time, in the settings of your Internet browser (generally in the security and confidentiality section).

 

Security

Please note that the secrecy of private correspondence is not guaranteed on the Internet. Furthermore, it is the responsibility of all Internet users to take all appropriate measures to protect their own data and/or software from contamination by any viruses circulating on the Internet. The customer’s identification and authentication, which are necessary for accessing accounts and contracts and for carrying out operations and transactions, will be carried out in all cases by entering the e-mail address with which the customer has registered and a password (hereinafter referred to as the “Keys”). As the Keys are personal and confidential, any order transmitted or transaction carried out using them will be deemed to have been placed by the Customer, who will bear all the consequences thereof. Thus, the Customer acknowledges that validation after entering the Keys shall constitute unreserved acceptance of the content of the pages browsed and of the characteristics of the operation validated, and shall be understood as a signature having, between the parties, the same value as a handwritten signature. The customer acknowledges that the electronic medium is equivalent to a written document within the meaning of the provisions of the French Civil Code, and constitutes a reliable, faithful and durable medium. YOUNITED CREDIT’s telematic, computer or magnetic recordings constitute proof of the operations carried out by the customer by means of the remote services used, i.e. Internet, telephone and mail. In the event of loss or theft of identification and authentication elements, the customer must immediately inform YOUNITED CREDIT by telephone or email, with confirmation by registered letter with acknowledgement of receipt (sent to YOUNITED CREDIT, Service Prêteurs – 21 rue de Châteaudun – 75009 PARIS) within 48 hours of the declaration by telephone or email. YOUNITED CREDIT will then deactivate the said elements as soon as possible. However, all operations concluded by means of these elements will remain the responsibility of the customer until they are deactivated by YOUNITED CREDIT. Messages and documents transmitted via the YOUNITED CREDIT website are strictly confidential and are reserved for their addressees. YOUNITED CREDIT declines all responsibility for any alteration or falsification that may affect the messages transmitted. To ensure the security of operations, customer communications with the YOUNITED CREDIT server are fully encrypted using the SSL protocol. This protocol is based on a server certificate signed by the CERTPLUS certification authority. This security is materialized by a padlock that appears in the customer’s browser window, guaranteeing at all times that he or she is communicating with YOUNITED CREDIT’s secure server. Finally, all telephone conversations with an advisor may be recorded by YOUNITED CREDIT, for reasons of service quality and evidence management. To prevent possible illicit behavior or to respond to a request for clarification of a claim or an order, data collected during a connection (such as day and time of connection, encrypted password, IP address) are stored in accordance with the applicable regulations in force.

 

Hypertext links

YOUNITED CREDIT SA may create links from its “www.younited.com” site to other internal or external sites. YOUNITED CREDIT SA is not responsible for the editorial content of these other sites, nor for their access conditions.

 

Warning

Access to the www.younited.com website is subject to specific conditions of use, which are set out in this Legal Notice. By browsing this site, you agree to comply with the terms and conditions set out below, which YOUNITED CREDIT reserves the right to modify at any time. YOUNITED CREDIT reserves the right to modify, suspend or terminate any service or product offered or available online. The terms of use of the site and the legal disclaimer are regularly updated by YOUNITED CREDIT. YOUNITED CREDIT invites all Internet users to consult them regularly. The versions in force of the conditions of use of the site and the legal warning are opposable with any Net surfer of the site of YOUNITED CREDIT. Any person wishing to use one of the products or services presented is invited to consult the information available online and/or to contact YOUNITED CREDIT’s Customer Service, in order to be informed of all the characteristics and conditions of subscription to the products and services. Access to the products and services described on the YOUNITED CREDIT website may be restricted or excluded for certain persons or in certain countries, in particular due to legal or regulatory constraints and/or specific features and/or risks. Further information may be provided by Customer Service. The texts, photos, images, drawings and sounds, and more generally all the elements contained in the site are protected by copyright. Any reproduction, whether partial or total, is strictly forbidden. YOUNITED CREDIT may terminate access to the site at any time, by simple notification, following any breach of these conditions by a customer. YOUNITED CREDIT cannot be held liable in the event of such a decision. Notifications may be sent by any means, including the YOUNITED CREDIT website messaging system. The applicable law is French law, the language used is French and the competent courts are the French courts.

 

Services

Access to all services on the site is subject to normal use of the online services, and to the absence of event(s) beyond the control of YOUNITED CREDIT such as force majeure, malicious act(s), interruption(s) of electronic and/or telephone communications, total or partial unavailability of the server for any reason whatsoever or misuse of services (non-exhaustive list). YOUNITED CREDIT cannot be held responsible for any prejudice resulting from a total or partial disorganization of its services or a total or partial unavailability of its site or of one of its call numbers due to an event or act over which it has no control, in particular due to one of the events mentioned above. Please note: connections are subject to access fees and the cost of telephone calls, which are payable by the user. Users are reminded of the risks inherent in the electronic transmission of information. Delays, omissions or inaccuracies may occur. Information is provided “as is”, regardless of source. The general structure, as well as the software, texts, data, animated or still images, sounds, know-how, drawings, graphics and any other element making up the www.younited.com website are protected by copyright. Any total or partial representation of this site by any process whatsoever, without the prior and express authorization of YOUNITED CREDIT is prohibited and would constitute an infringement punishable by articles L.335-2 et seq. of the French Intellectual Property Code, without prejudice to any other proceedings, particularly civil.

 

Reproduction rights

Any total or partial representation of this site by any process whatsoever without the prior and express authorization of YOUNITED SA is prohibited and constitutes an infringement punishable by articles L.335-2 et seq. of the French Intellectual Property Code, without prejudice to any other proceedings, particularly civil.

 

Web standards

Younited.com is designed to display perfectly whatever your configuration. However, you may notice some discrepancies if you are using an older generation browser (such as Internet Explorer 6). To ensure the best possible service and compatibility with your browsers, YOUNITED SA makes every effort to comply with web standards.

 

Pillar 3 disclosure reports

Younited – Pillar 3 report – 2020

Younited – Pillar 3 report – 2021

Younited – Pillar 3 report – 2022