Chapter IV: Provisions common to consumer credit and home loans

For the application of Chapter II and III of this title, where the creditor wishes to make available or provide information and documents on a durable medium other than paper, the creditor shall first check that this method of communication is appropriate to the borrower’s situation in the context of the credit transaction envisaged or in progress; the creditor shall ensure that the borrower is able to take cognisance of…

Unless this is incompatible with the nature of the distance contract concluded or the financial service provided, the borrower may, immediately and at any time during the credit transaction, object by any means to the use of a durable medium other than paper and ask to be provided with a paper medium free of charge. He may also carry out all the formalities and obligations incumbent on him on any…

Where the lender provides the borrower with information and documents via a secure personal space on the internet, the lender shall make the borrower aware of the existence and availability of such information and documents on the secure personal space by any means appropriate to the borrower’s situation.

The lender guarantees that the information and documents will be accessible for a period appropriate to their purpose. For pre-contractual and contractual documents this period may not be less than five years after the end of the contractual relationship. Where the lender intends to stop making this information and documents available, it must inform the borrower in advance and within a period of not less than two months, by any…

The provisions of this section do not apply to distance contracts for financial services governed by the Chapter II of Title II of Book II of this Code, as well as canvassing and the remote provision of financial services governed by the Chapters I and III of Title IV of Book III of the Monetary and Financial Code.