Legal Notice for Veenema Groups

1. Website Publisher

The website veenema-groups.com (hereinafter referred to as “the Website”) is published and operated by VEENEMA GEESKE, an individual entrepreneur conducting business under the trade name VEENEMA-JAUER, duly registered in the French National Business Register (Registre National des Entreprises, RNE) under SIREN number 904 446 135.

Trade Name: SO HAPPY SOPHRO
Legal Status: Individual Entrepreneur (Entrepreneur Individuel)
Legal Nature: Regulated Financial Company
Primary Economic Activity (APE Code): 9609Z – Other personal service activities not elsewhere classified (n.e.c.)
Date of Business Commencement: November 1st, 2021
Registered Office Address:
432 Chemin des Rivaux
38480 Romagnieu
France

Contact Information:

• • General Inquiries & Customer Support: contact@veenema-groups.com / support@veenema-groups.com

• • Operational Headquarters (Paris Office): 732 rue des Peupliers, 75082 Paris, France

• • Business Hours: Monday to Saturday, 8:00 AM – 6:00 PM (CET)

2. Website Hosting

The Website is hosted by a third-party hosting provider that complies with the General Data Protection Regulation (GDPR) and all applicable cybersecurity and data protection laws in the European Union.

Hosting Provider Details:
Hostinger.com

The hosting provider ensures:

• • High availability (99.9% uptime)

• • Data encryption (SSL/TLS protocols)

• • Regular security audits and backups

• • GDPR-compliant data processing agreements

3. Liability Disclaimer

Veenema Groups provides a wide range of financial services, including but not limited to:

• • Personal loans

• • Business financing solutions

• • Educational loans

• • Green energy financing

• • Debt consolidation services

• • Start-up and entrepreneurial funding

While Veenema Groups endeavors to ensure the accuracy, completeness, and timeliness of the information published on the Website, it shall not be held liable for:

• • Any errors, omissions, or outdated information displayed on the Website.

• • Financial, legal, or commercial consequences arising from decisions made based on the Website’s content.

• • Technical issues, including but not limited to website unavailability, data breaches, or cyberattacks beyond its reasonable control.

Users are strongly advised to:

• • Verify all critical information (e.g., loan terms, interest rates) through direct communication with Veenema Groups before making financial commitments.

• • Consult independent financial or legal advisors for personalized guidance.

4. Intellectual Property Rights

All content, materials, and elements present on the Website, including but not limited to:

• • Text, articles, and financial descriptions

• • Graphics, logos, and branding elements

• • Photographs, illustrations, and multimedia content

• • Website layout, source code, and functional features

are the exclusive property of Veenema Groups or are used under valid licenses or authorizations.

Prohibited Actions Include:

• • Reproduction, distribution, or public display of any Website content without prior written consent.

• • Modification, adaptation, or derivative use of copyrighted materials.

• • Commercial exploitation of Veenema Groups’ intellectual property.

Any unauthorized use may result in legal action under French and international intellectual property laws.

5. Personal Data Protection & Privacy Policy

Veenema Groups adheres strictly to the GDPR (EU Regulation 2016/679) and French Data Protection Act (Loi Informatique et Libertés).

Data Collection & Processing Purposes:
Personal data (e.g., name, email, financial details) collected via:

• • Loan application forms

• • Contact requests

• • Newsletter subscriptions

is processed solely for:

• • Customer relationship management

• • Loan eligibility assessments

• • Regulatory compliance (e.g., anti-money laundering checks)

• • Service improvements and analytics

User Rights:
You may, at any time, request to:

• • Access, correct, or delete your personal data.

• • Object to processing or request data portability.

• • Withdraw consent for marketing communications.

Submit requests via email to: support@veenema-groups.com.

Data Retention:
Personal data is retained only for the duration necessary to fulfill the purposes outlined above, or as required by French financial regulations.

6. Financial Services Transparency

Veenema Groups operates as a decentralized financial platform, offering tailored solutions with:

• • Fixed and variable interest rates (clearly disclosed pre-contract).

• • Customizable repayment terms.

• • No hidden fees (all charges itemized in loan agreements).

Loan Approval Criteria:
Applications are subject to:

• • Creditworthiness assessments.

• • Identity verification (KYC procedures).

• • Anti-fraud and anti-money laundering checks.

7. Applicable Law & Dispute Resolution

These Legal Notices are governed by French law. Any disputes shall be submitted to the exclusive jurisdiction of the Commercial Court of Paris, unless mandatory legal provisions dictate otherwise.

8. Modifications & Validity

Veenema Groups reserves the right to update these Legal Notices at any time. Users will be notified of material changes via:

• • Website banners

• • Email alerts (for registered users)

Last Updated: April 21 06 2022