Information concerning to me is they protected? Under the terms of the law, personal information concerning you (name, addresses postal, telephone number, addresses e-mail…) constitute strictly confidential data. For this reason, they cannot be transmitted to thirds (except agreement of your share) and cannot be exploited that within the framework of the treatment of your file. In accordance with the law of January 6, 1978, you profit d´un right d´accès, of correction and suppression of the data concerning you (Art 27 of the law Informatique and freedoms.). From which protections does profit l empruntor? Various laws are intended to protect l empruntor:• Law Neiertz of December 31, 1989, organizing the prevention and the payment of the difficulties related to the over-indebtedness of the private individuals and the families. The principal provisions are the creation of commissions of over-indebtedness, l´institution d´un plane conventional of payment, d´une collective procedure of civil legal rectification, creation d´un national file of the incidents of payment (FICP). • Scrivener Laws intended to protect l empruntor as regards consumer credit and in the real field. The principal provisions relate to l obligation to d´établir an offer of loan written and preliminary, l instauration d´un time for consideration fifteen days, l instauration d´un time of retractation seven days, l´existence d´un bond between the credit and l´achat (l´absence of l´un cancels l´autre and conversely), the reduction and the regulation of the penalty clauses. • Data-processing Law and Freedoms: personal information concerning you (name, addresses postal, telephone number, addresses e-mail…) constitute strictly confidential data. For this reason, they cannot be transmitted to thirds (except agreement of your share) and cannot be exploited that within the framework of the treatment of your file. In accordance with the law of January 6, 1978, you profit d´un right d´accès, of correction and suppression of the data concerning you (Art 27 of the law Informatique and freedoms.). What's the T.E.G. ? The TEG (Total Effective Rate) is annual expression of the rate . The rate is the remuneration paid for the setting at your disposal of the sums of which you ask for the releasing. It's the rent of l´argent lent. The interests are always calculated only on the capital remaining had, according to the methods envisaged with l´article R 313-1 of the code of consumption.