TERMS OF SERVICE
en/Article 1 – Identification of the publisher and objects
1.1 Website publisher
ARK Capital – Société par Actions Simplifiée of insurance brokerage with a capital of 10 000 €. – Head office : 7bis Rue Jeanne d’Arc 76000 Rouen. Company registered in the Rouen Trade and Companies Register under number 834 041 618. SIREN n° 905 252 847 Code APE 6619B – Registered with ORIAS under number 22000690 (www.orias.fr) – Professional Civil Liability and Financial Guarantee in accordance with articles L 512-6 and L 512-7 of the Insurance Code – ARK Capital is subject to the control of the ACPR (Autorité de Contrôle Prudentiel et de Résolution), 4, Place de Budapest, CS 92459, 75436 Paris Cedex 09 (www. acpr.banque-france.fr) ARK Capital carries out its activity in accordance with the provisions of the French Insurance Code and in particular articles L521-1, L521-2 II.1 b et seq., as well as according to the nature of the risks, in application of the provisions of article L561-4-2 of the Monetary and Financial Code.
“Personal Data”: means any information relating to an identified or identifiable natural person (hereinafter referred to as “data subject”); an “identifiable natural person” is deemed to be a natural person who can be identified, directly or indirectly, in particular by reference to an identifier, such as a name, an identification number, location data, an online identifier, etc.
“Site” means the website accessible via the URL https://www.ark-wm.com/
“User” means the person browsing the Site and using the Services
“Services”: refers to the services constituting all the content accessible on the Site
“Company”: refers to the company ARK Capital as identified in Article 1 “Purpose”.
Article 2 – Acceptance, Duration and Modification of the Terms of service
The User must, before any use of the Site, take note of the Terms of service.
A User who does not accept the Terms of service must immediately disconnect from the Site.
The Terms of service are for an indefinite period of time and are effective from the time of browsing and use of the Site and the Services.
Article 3 – Content of the Site
This Site was developed with care and rigor in a concern for quality and professional ethics.
The information presented on this Site is for general information purposes only. It can in no way be considered as exhaustive and cannot be considered as a commercial offer or advice. ARK Capital reserves the right to modify the content of its Site at any time and without notice.
Despite all the care and attention given to the creation of this Site and its regular updating, some information may be erroneous and ARK Capital cannot be held responsible for this. The user is solely responsible for the use he makes of the information accessible, and ARK Capital cannot be held liable in any way for this. ARK Capital declines all responsibility for any direct or indirect damage, whatever the cause, origin, nature or consequence, due to access to this site or the impossibility of accessing it, as well as the use of this site and/or the credit given to any information that is directly or indirectly withdrawn from it.
The site also allows a client of ARK Capital to access a personal space, in particular to consult his contracts. Access to this service is provided by means of a login and a password. The latter is confidential and must not be disclosed to any third party. If you think that the confidentiality of your password is no longer assured, you must contact us as soon as possible at firstname.lastname@example.org
You must also take all appropriate measures to ensure that your password remains confidential and secure and, as such, you are solely responsible for accessing this service, unless there is evidence of fraudulent use not attributable to you.
Article 4 – Access to services
The Site is accessible at any time, except during periods of evolution or corrective maintenance. This maintenance is likely to intervene without notification to the User and without notice.
To access the Site, the User must have a stable internet connection. The costs of access and equipment, whatever they may be, are the exclusive responsibility of the User and may not give rise to any indemnity, compensation, damages or any sum whatsoever.
The Site makes it possible to obtain information about ARK Capital, to contact the company and to subscribe to a mailing list.
The User must have equipment that does not interfere with the operation, navigation and use of the Site. Both ARK Capital and the director of publication cannot be held responsible for the unavailability of the Site, particularly in the event of :
Evolutionary or corrective maintenance of the Site, whether this maintenance is carried out by ARK Capital or a third party, with or without notification of the User;
Occurrence of an unforeseeable, insurmountable and external event;
Failure of the Internet connection;
Cessation and/or interruption, partial or total of the Site.
The User is informed that browsing the web is not without danger. ARK Capital therefore draws the User’s attention to the fact that there is no guarantee of security.
Neither ARK Capital nor the director of the publication can be held responsible for these risks and their consequences, harmful or not, for the User, whatever the extent.
The User must therefore take the appropriate measures to protect his/her navigation on the web.
Although the Services offered by the Site do not contain any content harmful to minors, they are reserved for adults. It is the responsibility of parents and legal guardians to monitor their children’s use of the Internet and the Web.
Article 5 – Intellectual Property
All content of all types present on this Site (and in particular the pages of the Site, databases, texts, logos, graphics, software, video excerpts, sound excerpts, photographs, images) is the exclusive property of ARK Capital and is protected by French and/or international legislation on copyright and intellectual property.
Any reproduction, representation, adaptation, translation, modification, and/or transformation, whether partial or complete, and, in general, any operation not authorized by the holder of the intellectual property rights, even free of charge, without the prior written authorization of ARK Capital is strictly prohibited and constitutes a violation of French and European laws on intellectual property, sanctioned by articles L.355-2 et seq.
This prohibition extends to, but is not limited to, any editorial element appearing on the site, the presentation of screens, software necessary for operation, logos, images, photos, graphics, of any kind.
Furthermore, it is strictly forbidden to collect and use the information available on the site for commercial purposes. The brands mentioned on this site are registered by their respective owners. Any reproduction or representation made without their prior agreement is an infringement.
Article 6 – Obligations of the user
By consulting the Site and using its Services, the User agrees to :
to respect the General Conditions of Use of the Site and to use the Site in accordance with these;
not to access the site fraudulently;
not to access the non-public source code of the site and not to modify, disassemble, reverse engineer or copy and duplicate the source code in any way, whether the source code is public or non-public;
respect the intellectual property rights held by ARK Capital;
not to reproduce, copy, duplicate, trade, sell, license or assign the Site;
not to carry out any operation aimed at or having the effect of temporarily or permanently disrupting the operation of the Site, such as computer attacks (e.g. DDoS);
not to attempt to access or access and/or maintain fraudulently in the event of unauthorized access to an automated data processing system implemented by ARK Capital;
not to create, reconstitute or attempt to create or reconstitute, from the information, content and data on the site, a database;
to maintain confidentiality in the event of access to data that cannot be consulted publicly and to contact ARK Capital without delay.
Article 7 – Warranty exclusions
The Site is provided “as is” and “as available”. ARK Capital cannot therefore guarantee, despite its constant efforts, that the Site will function completely and perfectly. ARK Capital cannot therefore guarantee the User a fully secure, available and fast site, nor the absence of bugs, errors and malfunctions.
Article 8 – Personal data
The use of the Site may lead to the processing of data, in particular when the User makes a contact request via the contact form on the Site. The data may, depending on their nature, be subject to :
ARK Capital is responsible for processing. To learn more about how your data is processed when using the Site, you can click on the links above. For any additional request, you can contact us at the following email address: email@example.com
Article 9 – Hypertext links
ARK Capital is not responsible for the content of any external sites linked to this site.
ARK Capital specifies that all third party sites linked to the http://www.ark-wm.com site by hypertext links are subject to their own conditions of use and personal data protection policies and declines all responsibility for the content published on these sites. ARK Capital is not responsible for the links that may point to its site.
Furthermore, the establishment of such links is prohibited without the prior written consent of ARK Capital.
ARK Capital reserves the right at any time, without prior notice and without having to justify its decision, to prohibit certain links. The site concerned, after being informed, will have 2 working days to remove the link concerned.
Article 10 – Applicable law and jurisdiction
The TOS are exclusively governed by French law, and only the French version is authentic. Non-French versions are provided for convenience only.
Any dispute arising from the use of the Site, or from the application and interpretation of the TOS is exclusively subject to French law and will be brought before the French courts.
Article 11 – Provisions relating to complaints
If you wish to send us a complaint and thus express your dissatisfaction with our services, please send a registered letter to the following address
7bis rue Jeanne d’arc,
In the interest of transparency and full information, we would like to present to you below the procedure for handling your claim.
Study of the complaint
If the complaint concerns the management of the life insurance contract itself and not the conditions of subscription/membership or the follow-up of the client, then it will be transmitted to the Insurance Company which manages the contract. Furthermore, within our Company and depending on your requests, your complaint will be handled either by the Customer Service Department or by the Legal Department.
As of the reception of your complaint, we will inform you of the good reception of this one under 10 working days maximum. We will provide you with a response to your claim within a maximum of 2 months, once we are in possession of all the elements necessary to study your case. If, due to special circumstances, we are unable to process your claim within this timeframe, please be assured that you will be informed.
Recourse against the answer given
In case of rejection or refusal to grant your claim in whole or in part, you have the right to refer to Mediation Solution.
MEDIATION SOLUTION 222, Chemin de la Bergerie 01800 Saint Jean de Niost
04 82 53 93 06
Finally, we inform you that your claim file will be archived.