1- Description of the site

Under Article 6 of Law No. 2004-575 of June 21, 2004, for confidence in the digital economy, it is specified to users of the website the identity of the various stakeholders in its implementation and monitoring:

Proprietor of the Website:
Delphine GHIGHI
SIRET number: 429 176 084 00102
Editorial manager: Delphine GHIGHI
20 avenue Maréchal Foch 69006 LYON
Phone: 04 28 38 23 94 – Fax: 04 28 38 23 95

Director of publication: Delphine GHIGHI
Host: OVH SAS – 2 rue Kellermann – BP 80157 – 59053 Roubaix Cedex 1 – Téléphone : 1007

Creator: AVICOM’
Address: 20 rue Professeur Weill 69006 LYON

General conditions of use of the site and the proposed services

The use of the site implies the full acceptance of the general conditions of use described below. These conditions of use are likely to be modified or completed at any time, the users of the site are thus invited to consult them regularly.

This site ( is available in different Web languages (HTML, HTML5, Javascript, CSS, etc.) for a better comfort of use and a more pleasant graphics, we recommend you to use modern browsers such as Internet Explorer, Safari, Firefox, Google Chrome, etc…

Description of the services provided

The purpose of the site is to remind the legal obligations of credit institutions in terms of calculating the overall effective rate of real estate loans.

All information on the site is subject to change according to legislative developments. Moreover, the information is not exhaustive.

Maître Delphine GHIGHI uses all means at her disposal to ensure reliable information and regular updates of her website. However, errors or omissions may occur. he user must therefore ensure the accuracy of the information regarding his situation with a legal professional, and report any changes to the site that he considers useful. Me Delphine GHIGHI is in no way responsible for the use made of this information, and for any direct or indirect damage that may result from it.


The website may ask you to accept cookies for statistical and display purposes. A cookie is a piece of information deposited on your hard disk by the server of the site you are visiting. It contains several pieces of data that are stored on your computer in a simple text file that a server accesses to read and record information. Some parts of this site cannot be functional without accepting cookies.

Hypertext links:

The website of Me Delphine GHIGHI can offer links to other websites or other resources available on the Internet. Me Delphine GHIGHI has no way of controlling the sites connected to its website. Me Delphine GHIGHI does not guarantee the availability of such sites and external sources. Delphine GHIGHI cannot be held responsible for any damage, of any nature whatsoever, resulting from the content of external sites or sources, and in particular from the information, products or services they offer, or from any use that may be made of these elements. The risks related to this use are fully incumbent on the Internet user, who must comply with their conditions of use

Users, subscribers and visitors to the Delphine GHIGHI website may not set up a hyperlink to this site without the express prior authorization of Delphine GHIGHI.

In the event that a user or visitor wishes to set up a hyperlink to one of Delphine GHIGHI’s websites, he or she must send an email to the website to request the creation of a hyperlink. Delphine GHIGHI reserves the right to accept or refuse a hyperlink without having to justify its decision.

Services provided:

All the activities of the firm are presented on the website

Delphine GHIGHI strives to provide information on the site as accurate as possible. The information on the site is not exhaustive. It is given subject to changes that have been made since it was put online. In addition, all information on the site is given as an indication, and is likely to change or evolve without notice.

Contractual limitation on data:

The information contained on this site is as accurate as possible and the site is updated at different times of the year. However, the site may contain inaccuracies or omissions. If you notice a gap, error or what seems to be a malfunction, please report it by email to, describing the problem as precisely as possible (page causing the problem, type of computer and browser used, …).

Any downloaded content is done at the user’s own risk and under his sole responsibility. Consequently, Me Delphine GHIGHI cannot be held responsible for any damage to the user’s computer or any loss of data resulting from the download. Moreover, the user of the site agrees to access the site using recent equipment, free of viruses and with a last generation browser updated.

Delphine GHIGHI cannot be held responsible for the hyperlinks set up within the framework of this website to other resources on the Internet.

Intellectual property:

All content on the website www.agendum-avocats.comincluding, but not limited to, graphics, images, texts, videos, animations, sounds, logos, gifs and icons, as well as their formatting, are the exclusive property of Delphine GHIGHI, with the exception of trademarks, logos or content belonging to other client companies, partners or authors.

Any reproduction, distribution, modification, adaptation, retransmission or publication, even partial, of these various elements is strictly prohibited without the express written consent of Delphine GHIGHI. Any representation or reproduction, by any means whatsoever, constitutes an infringement punishable by articles L.335-2 and following of the Code of Intellectual Property. Failure to comply with this prohibition constitutes an infringement that may engage the civil and criminal liability of the infringer. In addition, the owners of the copied Content could take legal action against you.


The present conditions of the site are governed by the French laws. The present conditions of the site are governed by the French laws.

Clause of mediation:

Clients are informed of the possibility offered to them by Article L.152-1 of the Consumer Code, in the event of a dispute arising from an agreement concluded with Me GHIGHI, to have recourse to the national mediator of the legal profession.

Clients, if they so wish, may also refer to the national consumer mediator of the legal profession:

Mrs. Carole PASCAREL

180 boulevard Haussmann 75008 Paris

The Clients are informed that the referral to the mediator can only be made after having first tried to resolve the dispute directly with the Lawyer by a written complaint.

Data Protection Act

The Clients are informed that the Lawyer implements personal data processing in order to ensure the management, the invoicing, the follow-up of his clients’ files and the canvassing. These data are necessary for the management of clients and are intended for the authorized services of our firm.

In accordance with the Data Protection Act of January 6, 1978, Customers may at any time obtain communication and, where appropriate, correction or deletion of information concerning them by writing to the Office of Delphine GHIGHI by email sent to or by mail to Delphine GHIGHI, 20 Avenue Maréchal Foch – 69006 Lyon,

Personal data:

In general, you are not required to provide us with your personal data when you visit our website

However, this principle has some exceptions. Indeed, for certain services offered by our site, you may be required to communicate certain data to us such as: your name, your position, the name of your company, your e-mail address, and your telephone number. This is the case when you fill in the form that is offered online, in the “contact” section. In any case, you can refuse to provide your personal data. In this case, you can request information or the bank letter directly at the following e-mail address:

Finally, we may automatically collect certain information about you when you browse our website, including: information about the use of our site, such as the areas you visit and the services you access, your IP address, your browser type, your access times. Such information is used exclusively for internal statistical purposes, in order to improve the quality of the services offered to you. The databases are protected by the provisions of the law of July 1, 1998 transposing the directive 96/9 of March 11, 1996 relating to the legal protection of databases.