General Conditions of Use

The purpose of the present General Conditions is to define the terms and conditions for the provision of the services of the site, hereinafter referred to as “the Service” and the conditions of use of the Service by the User.

Any access to and/or use of the site implies acceptance of and compliance with all the terms of these Terms and Conditions and their unconditional acceptance. They therefore constitute a contract between AFG Holding and the User.

In the event that the User does not wish to accept all or part of the present terms and conditions, he/she is requested to renounce any use of the Service.


User: means any person who uses the Site or any of the services offered on the Site.

User Content: refers to the data transmitted by the User in the various sections of the Site.

Member: refers to a user identified on the site.

Identifier: The term “User ID” refers to the information required to identify a user on the Site in order to access the areas reserved for members.

Password: The “Password” is confidential information, which the User must keep secret, allowing him/her, used in conjunction with his/her User ID, to prove his/her identity.


Access to the service

The Service is accessible free of charge to any User with Internet access. All costs related to access to the Service, whether hardware, software or Internet access costs, are the sole responsibility of the User. The User is solely responsible for the proper functioning of his/her computer equipment and Internet access.

Certain sections of the site are reserved for Members after identification using their User ID and Password.

AFG Holding reserves the right to refuse access to the Service, unilaterally and without prior notice, to any User who does not comply with these terms of use.

AFG Holding uses all reasonable means at its disposal to ensure quality access to the Service but is under no obligation to do so.

AFG Holding cannot be held responsible for any network or server malfunction or any other event beyond its reasonable control that prevents or impairs access to the Service.

AFG Holding reserves the right to interrupt, temporarily suspend or modify access to all or part of the Service without prior notice or notification, in order to perform maintenance or for any other reason, without the interruption giving rise to any obligation or compensation.

Personal data

AFG Holding respects the legal provisions on personal data, in particular the Ivorian law n° 2013-450 of June 19, 2013, on the protection of personal data.

The Users are likely to communicate to AFG Holding personal data concerning them by filling in the forms or questionnaires on the present site.

This data will be used for the following purposes: processing information requests, establishing statistics, for commercial prospecting purposes, and for the execution of legal, regulatory and administrative provisions in force.

In accordance with the applicable regulations, any canvassing by automatic calling machine, e-mail, SMS, MMS or fax, as well as any transfer or rental of data for canvassing purposes using these means, will only be carried out with the prior consent of the User to receive canvassing via this channel and/or to the transfer of his/her data. If the User agrees to receive such prospecting messages by checking the acceptance boxes provided for this purpose on the present site, it will be possible for him/her to revoke this consent at any time, and in particular each of the prospecting e-mails will offer him/her the possibility of opposing the sending of new prospecting e-mails by AFG Holding in the future. At any time and without expenses, the User can be opposed to any canvassing by other means by writing to AFG Holding Abidjan Plateau Immeuble MACI 17th floor, Ivory Coast.

The personal data collected is intended exclusively for the use of AFG Holding, its subsidiaries, its foundations and its service providers, if any. It will not be made available to third parties under any circumstances. However, AFG Holding reserves the right to transmit the personal data of any User in order to comply with its legal obligations, and in particular if it is forced to do so by judicial requisition.

AFG Holding may transfer the personal data collected to entities of AFG Group as well as to its service providers established outside the Ivory Coast. These data transfers take place under conditions and guarantees that ensure the protection of Users’ personal data.

AFG Holding implements all technical and organizational measures necessary to ensure the security and confidentiality of personal data collected and processed, and in particular to prevent them from being distorted, damaged or communicated to unauthorized third parties, by ensuring a level of security appropriate to the risks associated with the processing and the nature of the data to be protected. All Users have the right to access their personal data, to rectify it and to object to it in accordance with the applicable regulations.

Hypertext links

This site includes information provided by external companies or hypertext links to other sites that have not been developed by AFG Holding. The existence of a hypertext link on this site leading to another site does not constitute an endorsement of this other site or its content. AFG Holding therefore assumes no responsibility for these sites, their content, advertising, products or services available on or from these sites. AFG Holding can in no way be held responsible for any damage caused by the use of these sites. Any complaints regarding third party sites should be directed to the administrators of said sites.


Intellectual property rights

The general structure, texts, images, whether animated or not, and all elements making up this website are the property of AFG Holding, or have been acquired from third parties for use on the Internet or other media, and may not be used without the authorization of AFG Holding. Any total or partial reproduction of this site or of any of its elements without the express prior authorization of AFG Holding is prohibited.

Any representation or reproduction of this site, by any means whatsoever, would constitute an infringement likely to engage the civil and criminal liability of the infringer. The logos and brands of AFG Holding appearing on this site are registered trademarks. Any total or partial reproduction of these brands and logos for any reason whatsoever, and in particular for advertising purposes, made from elements of this site without the written consent of the brand owner is prohibited.


Limits of liability

The information made available on this site is for information purposes only and does not constitute advice or a recommendation of any kind.

Consequently, the use of the information and content available on the site as a whole does not in any way engage the responsibility of AFG Holding, in any capacity whatsoever.

The User is solely responsible for the proper use, with discernment and spirit, of the information made available on the Site.

Furthermore, the User agrees to indemnify AFG Holding for any harmful consequences related directly or indirectly to the use of the Service.

Access to certain sections of the site requires the use of a User ID and a Password. The Password, chosen by the user, is personal and confidential. The user undertakes to keep his password secret and not to disclose it in any form whatsoever.

The use of the User ID and Password over the Internet is at the User’s own risk. It is the User’s responsibility to take all necessary measures to protect his or her own data against any attack.

Nevertheless, AFG Holding undertakes to put in place all necessary means to guarantee the security and confidentiality of the data collected. The User is informed that one or more cookies, containing no personal information, may be placed on his or her hard drive to ensure identification.

The User acknowledges that he/she is aware of the limitations and constraints of the Internet network and, as such, recognizes the impossibility of a total guarantee of the security of data exchanges.

Likewise, the User hereby acknowledges that AFG Holding cannot be held liable in any way whatsoever for fraudulent use (piracy, computer forgery, hacking, etc.) and for any damage that may be due to a failure in the security system of Internet access providers.

AFG Holding shall in no case, within the limits of applicable law, be held liable for any direct or indirect, material or immaterial damage and/or prejudice, or of any nature whatsoever, resulting from the unavailability of the Service or from any Use of the Service.

The term “Use” must be understood in the broad sense, that is to say any use of the site whatever it is, legal or not.

The User agrees, in general, to respect all the regulations in force in Côte d’Ivoire.

Force majeure

The responsibility of AFG Holding cannot be engaged in case of force majeure or facts independent of its will.

Evolution of the present contract

AFG Holding reserves the right to modify the terms, conditions and mentions of the present contract at any time.

It is thus advised to the User to regularly consult the last version of the Conditions of Use available on the site

Duration and termination

This contract is concluded for an indefinite period of time from the time the User uses the Service.

Applicable law and jurisdiction

The rules of law applicable to the contents and data transmissions on and around the site are determined by Ivorian law.

In case of dispute, which could not be amicably agreed, only the Ivorian courts of the jurisdiction of the Court of Appeal of Abidjan are competent.