GTC
Last update: June 2023
DOC is operated by Dubai-based Swiss Asset Management FZ LLE, founded by Stéphan Leterrier, founder of Swiss-based Stéphan Leterrier Swiss Asset Management SARL.
Stéphan Leterrier has over 35 years of private and professional financial experience.
DOC is the publisher of several newsletters giving readers free access to information in the field of economics and finance. In addition to this free information, DOC offers distance selling of high-quality publishing products (publications, video programs, etc.) in the field of economic, stock market and financial analysis, as well as related services (notably subscriptions).
These General Terms and Conditions apply to all orders for products or services placed with DOC.
ARTICLE 1 - DEFINITIONS
Customer(s ): refers to any person who places an Order for Products and/or Services.
Order: refers to the remote purchase of Products and/or Services by the Customer after full and unreserved acceptance of the GTCS, the validation of which constitutes a firm and definitive sale that cannot be called into question except in the event of application of the Customer's right of withdrawal or the money-back guarantee, as provided for in the GTCS.
Party( ies): refers individually or collectively to the Customer(s).
Product(s): refers to publishing products (including publications, guides, video programs, etc.) marketed by DOC.
Service(s): refers to all services marketed by, in particular subscriptions.
ARTICLE 2 - ACCEPTANCE
Any order for Products or Services implies full acceptance of the GTS.
By placing an Order, the Customer, by ticking the box "I accept the General Terms and Conditions of Sale", acknowledges having read the General Terms and Conditions of Sale in force on the day of the Order and before placing it, and having accepted them without restriction or reservation.
Under no circumstances shall this acceptance be conditional on a handwritten signature by the Customer. The version of the GCS binding on the Customer is always the one accepted at the time of the Order.
DOC reserves the right to update, modify or supplement the GTC at any time, without prior notice. The applicable terms and conditions are always those available online on the day the Order is placed.
ARTICLE 3 - DESCRIPTION OF PRODUCTS AND SERVICES
DOC offers free access to economic and financial information in the form of newsletters. This free content is supplemented by paying Products and Services. The Products and Services offered for sale are, in principle, those listed on the Site at the time of consultation by the Customer, unless otherwise stated ("Subscriptions closed").
DOC provides Customers with clear presentations of the essential characteristics of each Product and Service offered for sale. By placing an Order, the Customer is deemed to have familiarized himself/herself with this information prior to making a purchase.
Differences may exist between a Product and its graphic presentation, depending in particular on the resolution and color definition of the Customer's screen. Product presentations are therefore only indicative, and in no way constitute a contractual commitment on the part of DOC.
The Products and Services offered for sale may be modified at any time by DOC, at its sole discretion.
ARTICLE 4 - ORDERING
4.1 Order conditions
By placing an Order, the Customer declares that he/she is at least 18 years of age and that he/she has the legal capacity or parental authorization to place an Order.
The Customer may place an Order either by Internet or by message to Customer Services.
The Customer places his Order within the framework of one of the two (2) following offers, according to their availability:
- Subscription offer: the Customer places an Order in accordance with the conditions set out in the "Subscription offer" article of the GCS.
Customers who order as part of the Subscription Offer automatically benefit from (i) advantageous pricing conditions and (ii) deD Premium Services, which include: shortened delivery times where applicable, and privileged commercial offers sent directly by e-mail to the Customer (discounts, gifts, private sales, etc.).
- Standard offer: the Customer places an Order per unit(s), under standard sales conditions.
Some of the Products offered by DOC are only available as part of the Subscription Offer due to their nature (in particular, periodical publications and programs).
The benefit of an Order is personal and may not be transferred without the prior consent of DOC.
Any person or entity wishing to place an Order on a professional basis is invited to contact Customer Service under the conditions set out in the "Customer Service" article of the GTCS.
4.2 Ordering by message or e-mail
Customers can place Orders by message or by e-mail by contacting Customer Service from Monday to Friday, 8am to 5pm.
Customers who wish to take advantage of a promotional offer when placing an Order must indicate the corresponding code to the Customer Service agent who registers their Order at the time the Order is placed.
4.3 Online ordering
The Customer may freely view the Products and Services offered for sale online, without being bound by any Order.
To place an Order online, the Customer selects the desired Product and is redirected to an order page where he is invited to proceed with the following steps:
-The customer chooses a payment method (SEPA direct debit or credit card).
-The amount that will be billed to the Customer for the purchase is shown next to the icon corresponding to the payment method selected.
The Customer enters his contact details (e-mail address, first name, surname, postal address if applicable).
-The Customer checks the box "I accept the General Terms and Conditions of Sale", as well as the box "I accept the General Terms and Conditions of Palyance Payment Services ".
-The Customer enters his/her payment details. At this stage, and until payment has been confirmed, the Customer always has the option of checking the details of their Order, its price, modifying any input errors or even stopping the Order process.
-The customer clicks on the "Validate" button (in the case of payment by SEPA direct debit) or the "Send" button (in the case of payment by credit card) at the bottom of the order page.
-An Order validation e-mail is then sent to the Customer.
-Pui sle client receives the file directly by e-mail.
It is hereby specified that all data supplied by the Customer for the purposes of placing an Order, the confirmation of the Order, as well as any other exchange between the Parties, shall be considered as proof of the sales contract.
4.4 Control limits
DOC reserves the right to refuse an Order for legitimate reasons, including but not limited to:
- Failure by the Customer to pay in full or in part for a previous Order,
- the existence of an ongoing dispute with the Customer, or
- Refusal of the transaction by the customer's bank.
ARTICLE5 - PRICE
The prices of the Products and Services offered for sale online are quoted in Swiss Francs, inclusive of all taxes, and exclude any delivery charges. The price is firm and due upon confirmation of the Order.
The price invoiced is always that indicated on the order page used to place the Order. Payment is made in Swiss Francs, regardless of the Customer's country of residence.
The Customer is reminded thatconserves the right to modify the prices of Products and Services at any time, without any other formality than to modify the prices displayed online. However, any such modification will have no effect on Orders previously validated by the Customer.
ARTICLE 6 - PAYMENT
6.1 Means of payment
The Customer pays for his Order :
-by credit card (SSL secure payment; cards bearing the acronym Carte Bleue, Mastercard or Visa), in which case the customer is asked to enter the card number, expiry date and cryptogram number;
-by SEPA direct debit, in which case you enter the account holder's name, IBAN number and BIC/SWIFT code.
By opting for the SEPA direct debit, the Customer authorizes (i) or any payment service provider designated by the Customer to send instructions to the Customer's bank to debit the Customer's account, and (ii) the Customer's bank to debit the Customer's account in accordance with the instructions of the Customer or the payment service provider.
The customer has the right to be reimbursed by his bank according to the conditions described in the agreement signed with it.
No other means of payment are accepted.
The Customer guarantees that he/she has the necessary authorizations to use the means of payment chosen to pay for his/her Order. The Customer is responsible for ensuring that the bank account used for payment is sufficiently funded to avoid any payment incident. Any bank charges (rejection, exchange fees, etc.) shall be borne by the Customer.
Customers who place an Order using the Subscription Offer or, more generally, the Premium Services are informed that their payment information is recorded and stored securely, respectively, for the proper management of their subscription and in order to satisfy their desire to benefit easily from privileged commercial offers.
Customers may object to the storage of their payment data at any time, in accordance with the conditions set out in the "Your rights regarding your Personal Data" section of the Privacy Policy.
6.2 Payment security
In order to reinforce payment security, all orders placed on the Site are processed by STRIPE, a secure payment operator. This company is responsible for the collection, automated processing and storage in a secure environment of payment and identification information relating to each Order, including bank details. All payment information entered by the Customer is immediately encrypted (SSL mode) and stored on a secure server. The Customer is invited to consult the General Terms and Conditions of Service at the following link https://stripe.com/fr-ch. All Orders imply unreserved acceptance of the STRIPE General Terms and Conditions of Service.
6.3 Refusal of payment
In the event of refusal of payment by the bank, notified by STRIPE, STRIPE will send an e-mail to the Customer requesting him/her to update his/her payment details on his/her space ttending to update payment details, the Customer's Order will be suspended. The Customer's Order will only be taken into account and processed once the Customer has provided valid payment details enabling payment to be made.
ARTICLE 7 - DELIVERY
7.1 Delivery of digital Products
Digital Products are sent by e-mail to the e-mail address indicated by the Customer at the time of Ordering, depending on the Product and offer concerned:
- or on the same day as the Order,
- within fourteen (14) days of the Order,
- or on a fixed date each month.
It is the customer's responsibility to consult the terms and conditions of the offer.
The Customer may at any time change the e-mail address to which he/she wishes to receive the Products ordered by making an express request to this effect to Customer Services.
7.2 Delivery of physical Products
Physical Products (for example, a free book) are sent to the address indicated by the Customer during the Order process.
The estimated delivery time is indicated in the relevant offer. Customers ordering as part of the Subscription Offer or subscribing to Premium Services benefit from a shorter delivery time. The delivery times indicated are average times and correspond to Order processing times. For deliveries outside Switzerland, delivery times may be longer.
Delivery is excluded for certain countries, a list of which is provided in the relevant offer. Delivery charges are payable by or on behalf of the Customer, depending on the offer concerned. Delivery costs are indicated in addition to the price in the offer concerned.
ARTICLE 8 - MONEY-BACK GUARANTEE
Depending on the Products or Services concerned, the Customer may benefit from a "satisfied or reimbursed" guarantee that is more advantageous than the legal provisions (referred to above), and thus obtain reimbursement for Products or Services that do not give satisfaction within an extended period.
The warranty period is clearly specified in the offer concerned. It is the customer's responsibility to check the terms of the offer.
Specifically for subscriptions, this period takes the form of a trial period, the duration of which is specified in the subscription offer.
Customers wishing to benefit from the money-back guarantee can use the contact form on the DOC website.
DOC undertakes to reimburse the Customer all sums paid for the Product(s) or Service(s) withdrawn, as soon as possible and no later than fourteen (14) days following the date of communication of the Customer's wish to withdraw.
The Money Back Guarantee does not apply to misuse. DOC reserves the right to determine whether a product has been misused.
ARTICLE 9 - COMPLIANCE
DOC is liable for defects in conformity of the goods with the contract.
When acting on the basis of the legal warranty of conformity, the Customer :
- has a period of two (2) years from the date of delivery of the goods to take action;
- may choose between repair or replacement of the good, unless this choice involves a cost that is manifestly disproportionate to the other method, taking into account the value of the good or the importance of the defect.will then be obliged to proceed, unless this is impossible, according to the method not chosen by the Customer;
- is exempted from proving the existence of the lack of conformity of the good during the twenty-four (24) months following the delivery of the good.
The legal warranty of conformity applies independently of any commercial warranty.
The customer may decide to invoke the warranty against hidden defects in the item sold, in which case he may choose between rescission of the sale or a reduction in the purchase price.
It is specified that the Customer may not contest conformity by invoking a defect of which he was aware or could not have been unaware when he contracted for it.
The seller shall deliver goods in conformity with the contract and shall be liable for any lack of conformity existing at the time of delivery. He shall also be liable for any lack of conformity resulting from the packaging, assembly instructions or installation when the latter was made his responsibility by the contract or was carried out under his responsibility."
The property conforms to the contract:
1° Whether it is fit for the purpose ordinarily expected of similar goods and, where applicable : - if it corresponds to the description given by the seller and has the qualities that the seller has presented to the buyer in the form of a sample or model; - if it has the qualities that a buyer may legitimately expect in view of the public statements made by the seller, by the producer or by his representative, particularly in advertising or labelling;
2° Or if it has the characteristics defined by mutual agreement between the parties or is suitable for any special use sought by the buyer, brought to the seller's attention and accepted by the latter."
Any action resulting from a lack of conformity shall be barred after two years from the date of delivery of the goods.
When the buyer asks the seller, during the course of the commercial warranty granted at the time of the purchase or repair of a movable good, for a repair covered by the warranty, any period of immobilization of at least seven days is added to the remaining warranty period.
This period runs from the date of the buyer's request for service or from the date the item in question is made available for repair, if this is subsequent to the request for service.
The seller is liable for any hidden defects in the item sold which render it unfit for its intended use, or which impair that use to such an extent that the buyer would not have purchased it, or would have paid a lower price for it, had he been aware of them.
The action resulting from redhibitory defects must be brought by the purchaser within two years of the discovery of the defect".
ARTICLE 10 - SUBSCRIPTION OFFER
DOC offers customers the option of ordering certain Products as part of a Subscription Offer (in particular periodical Products).
Customers who subscribe will receive the Product concerned on a regular basis, for a predefined period and according to a predefined rhythm indicated at the time of the Order (for example: one issue per month for one year). The Customer is invited to carefully read the subscription conditions of the offer concerned before any purchase.
Subscribers can benefit from a money-back guarantee, depending on the offer.
All DOC subscriptions are automatically renewed at the end of each period for a period equal to the initial period, unless terminated by the customer under the conditions set out in the "Customer Service" article of the General Terms and Conditions. Each renewal requires a new payment.
ARTICLE 11 - LIMITED LIABILITY
All information available online or delivered to the Customer via the Products and/or Services offered for sale is provided for information purposes only. This content is subject to error, inaccuracy, omission and/or obsolescence. Under no circumstances may they constitute or be assimilated to advice of any kind, in particular financial, tax or legal advice, a personalized recommendation or an aid to decision-making for the purposes of carrying out a transaction or an investment.
DOC provides customers with general information that does not take into account their objectives, experience, level of knowledge, financial, asset or tax situation, or particular needs. This information is not intended to be applied without a prior in-depth examination of the customer's individual situation by a professional.
Consequently, the Customer acknowledges that he alone is responsible for the interpretation and/or use made of the information provided, and shall not be held liable for any direct or indirect loss or damage arising from its use or interpretation.
ARTICLE 12 - CUSTOMER SERVICE
For any information, complaint or question, Customer Service is at the customer's disposal, j
ARTICLE 13 - INTELLECTUAL PROPERTY
DOC is the sole owner of the content (texts, comments, works, illustrations, images, etc.) available on the Site, in its Products or Services, as well as of all reproduction and other rights relating thereto, within the limits of any rights held by third parties.
In this respect, and in accordance with the provisions of the French Intellectual Property Code, only private use is permitted, subject to different or even more restrictive provisions. The Customer is authorized to reproduce and print on paper the content accessed for private use only.
The Customer shall not copy, publish, distribute or sell the data in any way whatsoever, and in particular shall not infringe, directly, indirectly or through third parties, in any way whatsoever, the reproduction and other rights held by DOC.
ARTICLE 14 - FORCE MAJEURE
Delays, poor execution or total or partial non-execution of Orders resulting from cases of force majeure, including but not limited to fire, flooding, strikes, regulations or requirements of public authorities, or any other unavoidable, unforeseeable event beyond DOC's control within the meaning of case law, shall not give rise to compensation. The provisions of the present article shall not, however, under any circumstances release either party from the obligation to pay the other any sum it may owe.
ARTICLE 15 - PERSONAL DATA
DOC processes personal data, in particular for the purposes of registering and delivering Customer Orders. Customers' personal data is processed in accordance with the "Privacy Policy". If you have any questions about your personal data, please contact DOC using the contact form on the DOC website.
ARTICLE 16 - LINKS
Hypertext links may lead to other sites which are not managed by the company. We have no control over the content of these sites, and accept no liability in the event of their content infringing current laws and regulations.
ARTICLE 17 - APPLICABLE LAW / DISPUTES
The contractual relations between the Parties are governed by the laws of the United Arab Emirates. This applies to both substantive and formal rules, notwithstanding the place of performance of substantial or ancillary obligations, subject to the mandatory provisions which are intended to apply to the Customer in his capacity as a consumer.
In the event of a dispute arising from the interpretation or execution of the GTCS, the competent jurisdiction will be determined in accordance with the provisions of common law governing relations between a non-professional on the one hand and a professional on the other.