Terms & Conditions

Gael-Finances

Address: 18 ALLÉE ROMAINE, 44810 HÉRIC, France

Email: contact@gael-finances.com

Gael-Finances specializes in financial advice and wealth management.

These general terms and conditions aim to define the terms and conditions under which Gael-Finances provides its financial advisory services to its clients.

They apply to all services offered by Gael-Finances, including:

• Wealth management advice
• Insurance brokerage
• Banking operations intermediation
• Financial investment advice

Gael-Finances offers different types of services:

3.1 Wealth management advice

Analysis of the client's wealth situation and personalized recommendations to optimize their investments and taxation.

3.2 Insurance brokerage

Research and comparison of insurance solutions adapted to the client's needs (life insurance, provident, legal protection).

3.3 Banking operations intermediation

Support in finding financing (real estate, professional, consumer loans).

4.1 Gael-Finances obligations

• Provide personalized advice adapted to the client's situation
• Respect the confidentiality of communicated information
• Act in the client's interest with professionalism
• Inform the client about risks related to recommended products

4.2 Client obligations

• Provide accurate and complete information about their situation
• Report any significant change in their situation
• Respect agreed payment deadlines
• Make decisions with full knowledge of the facts

Gael-Finances fees are determined according to the nature and complexity of the mission:

• Fixed fees for advisory missions
• Commissions on insurance and investment products
• Time-based fees for specific missions

All rates are communicated to the client beforehand and are subject to a detailed quote.

In accordance with the General Data Protection Regulation (GDPR), Gael-Finances undertakes to:

• Process personal data lawfully and transparently
• Collect only data necessary for the service
• Ensure data security and confidentiality
• Respect the rights of data subjects

The client has the right to access, rectify and delete their personal data.