Legal Notice

1. Application Publisher

Application name: BOB – Borrow & Back

Company name: BOB BORROW & BACK

Legal form: SAS (Simplified Joint-Stock Company)

Registered office: 52 Chemin de la Closerie des Lilas (VC 217), 83500 La Seyne-sur-Mer, France

Phone number: +33 6 25 48 29 33

Email address: contact@bobapp.fr

RCS: 940 267 057 R.C.S. Toulon

SIRET number: 940 267 057 00014

Share capital: €10,000.00

EU VAT number: FR 94 940267057

Publication director: Jean-Charles Meilland

2. Hosting

Hosting provider: OVHcloud

Company name: OVH SAS

Address: 2 rue Kellermann, 59100 Roubaix, France

Phone number: +33 9 72 10 10 07

Website: https://www.ovhcloud.com

3. Intellectual Property

All content of the BOB – Borrow & Back application (texts, images, graphics, logo, icons, sounds, software, databases, etc.) is protected by French and international intellectual property law.

This content is the exclusive property of BOB BORROW & BACK, unless otherwise stated. Any reproduction, representation, modification, publication, or adaptation of all or part of the application's elements is prohibited without prior written authorization.

Users retain ownership of their content (photos, descriptions, etc.) but grant BOB BORROW & BACK a non-exclusive, free license to use it for the operation of the platform.

In accordance with articles L.335-2 et seq. of the French Intellectual Property Code, any infringement is subject to criminal penalties.

4. Personal Data Protection

In accordance with the General Data Protection Regulation (GDPR – EU Regulation 2016/679) and French Law No. 78-17 of January 6, 1978 (Data Protection Act), BOB BORROW & BACK is committed to protecting users' personal data.

Data controller: BOB BORROW & BACK – 52 Chemin de la Closerie des Lilas (VC 217), 83500 La Seyne-sur-Mer, France

Purpose of processing: The data collected is used exclusively for the operation of the application, user account management, and service improvement.

User rights: In accordance with articles 15 to 22 of the GDPR, you have the right to access, rectify, delete, restrict, object to, and port your data. You can exercise these rights by contacting: contact@bobapp.fr

Data Protection Officer (DPO): Jean-Charles Meilland – contact@bobapp.fr

In case of a complaint, you may contact the CNIL (French Data Protection Authority): www.cnil.fr

View our full privacy policy: Privacy Policy

5. Cookies

The application may use cookies in accordance with European Directive 2009/136/EC and CNIL recommendations. Users are informed about cookie usage upon their first visit and may accept or refuse them.

Cookies strictly necessary for the application's operation do not require consent. Analytics and audience measurement cookies are subject to the user's prior consent.

6. Limitation of Liability

BOB BORROW & BACK makes every effort to ensure the accuracy of information published on the application, but cannot be held liable for omissions, inaccuracies, or technical failures.

The publisher only provides a technical framework for peer-to-peer loan management. BOB BORROW & BACK cannot be held liable for direct or indirect damages, data loss, or disputes arising between users.

Any abuse, fraudulent behavior, or violation of the terms of use may result in the immediate suspension of the account and a report to the competent authorities.

7. Applicable Law and Jurisdiction

This legal notice is governed by French law.

In the event of a dispute and failing amicable resolution, exclusive jurisdiction is granted to the competent courts of Toulon (Var), in accordance with the applicable rules of procedure.

In accordance with the provisions of the French Consumer Code, consumers may resort to conventional mediation or any alternative dispute resolution method in the event of a dispute.

8. Artificial Intelligence

The Application uses artificial intelligence services provided by Mistral AI, a French company based in Paris.

Provider: Mistral AI SAS

Address: 15 rue des Halles, 75001 Paris, France

Website: https://mistral.ai

Data processed by AI is subject to the same protection guarantees as described in our privacy policy, in accordance with the GDPR.

9. Credits

Design and development: BOB BORROW & BACK

Hosting: OVHcloud (OVH SAS – Roubaix, France)

Artificial intelligence: Mistral AI (Paris, France)