Terms of Use

1. Acceptance of Terms

By visiting, browsing, or submitting any form on the Site, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. These Terms apply to all visitors, users, and others who access the Site.

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

2. Description of the Site

The Site ioffers.store/sunwise-capital is an affiliate marketing website. We present and recommend business loan products and financing solutions that we believe are relevant and potentially valuable for business owners. We may earn a commission when a visitor is referred to and completes a transaction with one of our partner lenders.

We are not a lender, bank, broker, or financial institution. We do not process loan applications, make credit decisions, or handle any funds. The Site allows interested business owners to:

• Discover business loan offers and financing options we have selected for their relevance;
• Submit an inquiry form to be connected with the relevant financing partner;
• Schedule a discovery call to discuss their financing needs.

Any financing transaction takes place exclusively between the visitor and the third-party lender or product provider. Le Happy Shopping SASU is not a party to that transaction.

3. Eligibility

The Site and its offers are intended exclusively for:

• Business owners, entrepreneurs, and legal representatives of companies;
• Individuals acting in a professional or commercial capacity;
• Persons who are at least 18 years of age.

The Site is not intended for consumers acting in a personal, non-commercial capacity. By submitting an inquiry, you confirm that you are acting on behalf of a business entity.

4. Affiliate Disclosure

This Site participates in affiliate programs. This means that when you click on a link or submit an inquiry that leads to a transaction with one of our partner lenders, we may receive a referral fee or commission at no additional cost to you.

Our affiliate relationships do not influence the accuracy of the information we provide. We only recommend financing solutions that we genuinely believe may be relevant and beneficial for business owners. However, we encourage you to conduct your own research and compare multiple options before making any financing decision.

The existence of an affiliate relationship between us and a product provider is always to be assumed on this Site.

5. No Financial Advice — Independent Relationship

We are not a licensed financial adviser, credit broker, or regulated financial intermediary. Nothing on this Site constitutes:

• A binding offer of credit or financing;
• Financial, legal, tax, or investment advice;
• A guarantee of loan approval, specific rates, or terms;
• A recommendation tailored to your individual financial situation.

The financing products presented on this Site are offered directly by independent third-party lenders and providers. Any application, agreement, or transaction you enter into is strictly between you and that provider. Le Happy Shopping SASU has no involvement in, and bears no responsibility for, the terms, execution, or outcome of any such transaction.

We strongly recommend consulting a qualified and independent financial adviser before making any financing decision.

6. Personal Data We Collect

6.1 Data you provide voluntarily

When you submit a form on the Site, we may collect:

• Your first and last name;
• Your professional email address;
• Your phone number (if provided);
• The name of your business or organization;
• Any message or notes you choose to include.

6.2 Data collected automatically

The Site may automatically collect certain technical data through cookies and analytics tools, including:

• IP address;
• Browser type and version;
• Pages visited and time spent on the Site;
• Referring URL.

This data is used solely to understand how visitors interact with the Site and is not used to identify individuals.

7. How We Use Your Data

We use the personal data you provide exclusively to:

• Connect you with the relevant financing partner based on your inquiry;
• Respond to any questions or inquiries you submit through the Site;
• Send you relevant follow-up information strictly in connection with your expressed interest.

We do not use your data for automated profiling, targeted advertising, or any purpose unrelated to your inquiry.

8. Legal Basis for Processing (GDPR)

As our company is based in France, your data is processed in compliance with Regulation (EU) 2016/679 (GDPR). The legal bases for processing are:

• Legitimate interest (Article 6(1)(f) GDPR): to respond to your inquiry and manage our affiliate referral activities;
• Consent (Article 6(1)(a) GDPR): where you have explicitly opted in to receive follow-up communications.

You may withdraw your consent or object to processing at any time by contacting us at support@ioffers.store.

9. Data Retention

We retain your personal data for no longer than 3 years from the date of your last interaction with us, unless a shorter period is required by law or you request deletion earlier. After this period, your data will be securely deleted or anonymized.

10. Data Sharing and Transfers

10.1 We do not sell your data

We do not sell, rent, or trade your personal data to any third party for commercial purposes.

10.2 Service providers and lending partners

We may share your data with trusted third-party service providers and lending partners in order to process your inquiry and connect you with the appropriate financing solution. These include:

• Website and form hosting providers;
• Calendar scheduling tools;
• Affiliate lending partners to whom your inquiry is referred.

Each provider is contractually bound to process your data only in accordance with our instructions and applicable law.

10.3 International transfers

Some of our service providers may be located outside the European Economic Area (EEA). Where such transfers occur, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses approved by the European Commission, in compliance with GDPR Chapter V.

11. Your Rights Under GDPR

If you are located in the European Economic Area, you have the following rights regarding your personal data:

• Right of access: obtain a copy of the data we hold about you;
• Right to rectification: have inaccurate or incomplete data corrected;
• Right to erasure: request deletion of your data;
• Right to restriction: request that we limit how we use your data;
• Right to data portability: receive your data in a structured, machine-readable format;
• Right to object: object to processing based on legitimate interests;
• Right to withdraw consent: withdraw consent at any time without affecting prior lawful processing.

To exercise any of these rights, contact us at: support@ioffers.store

You also have the right to lodge a complaint with the CNIL (France's data protection authority): www.cnil.fr.

12. Cookies

The Site may use cookies and similar technologies to improve user experience and collect anonymized analytics data. No advertising or cross-site tracking cookies are used.

You may configure your browser to refuse cookies at any time. Note that some features of the Site may not function correctly if cookies are disabled.

13. User Obligations

13.1 Accurate information

When submitting any form on the Site, you agree to provide truthful, accurate, and complete information. You must not impersonate any person or submit false or misleading information.

13.2 Prohibited uses

You agree not to use the Site for any of the following purposes:

• Any unlawful, fraudulent, or deceptive activity;
• Submitting false loan applications or identity information;
• Attempting to gain unauthorized access to any part of the Site or its systems;
• Distributing malware, spam, or any harmful code;
• Scraping or reproducing Site content without our written consent.

14. Intellectual Property

All content on the Site — including text, graphics, logos, icons, and page layout — is the exclusive property of Le Happy Shopping SASU or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any Site content without our prior written permission.

15. Third-Party Links and Partners

The Site contains links to third-party websites and references to lending partners. These links are provided for informational and referral purposes only. We do not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party website.

Your interactions with third-party lenders are governed solely by their own terms and policies. We are not a party to any agreement between you and a third-party lender.

16. Disclaimer of Warranties

The Site and all its content are provided on an "as is" and "as available" basis, without warranties of any kind. To the fullest extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, and accuracy of content.

17. Limitation of Liability

To the maximum extent permitted by applicable law, Le Happy Shopping SASU shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the Site;
• Any reliance placed on information published on the Site;
• Any loan decision, approval, or denial by a third-party lender;
• Any transaction or agreement entered into with a third-party provider;
• Unauthorized access to or alteration of your submissions.

18. Governing Law and Jurisdiction

These Terms are governed by the laws of France. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of Versailles, France, unless mandatory consumer protection laws in your country of residence provide otherwise.

19. Changes to These Terms

We reserve the right to update these Terms at any time. When we do, we will revise the "Last updated" date at the top of this page. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

20. Contact Us

For any questions, requests, or concerns regarding these Terms, please contact us:

Le Happy Shopping SASU
Versailles, France
Email: support@ioffers.store
Website: ioffers.store/sunwise-capital