{"id":4720,"date":"2026-05-09T18:49:05","date_gmt":"2026-05-09T18:49:05","guid":{"rendered":"https:\/\/achessentiastg.wpenginepowered.com\/?page_id=4720"},"modified":"2026-08-04T23:40:05","modified_gmt":"2026-08-04T23:40:05","slug":"terms-of-service","status":"publish","type":"page","link":"https:\/\/achessentials.com\/fr\/terms-of-service\/","title":{"rendered":"Conditions d&#039;utilisation"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"4720\" class=\"elementor elementor-4720\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b856e8a e-flex e-con-boxed e-con e-parent\" data-id=\"b856e8a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f3e448 elementor-widget elementor-widget-html\" data-id=\"9f3e448\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n    \r\n\r\n    \/* =========================\r\n   A.C.H Essentials\r\n   Privacy Policy Styling\r\n========================= *\/\r\n\r\n\r\n.privacy-container{\r\n    max-width: 950px;\r\n    margin: 80px auto;\r\n    padding: 70px;\r\n    background: rgba(255,255,255,0.96);\r\n    border-radius: 24px;\r\n    box-shadow: 0 12px 45px rgba(0,0,0,0.08);\r\n    border-top: 5px solid #0B2E59;\r\n    position: relative;\r\n    z-index: 5;\r\n}\r\n\r\n\/* Main Title *\/\r\n.privacy-container h1{\r\n    font-size: 54px;\r\n    line-height: 1.1;\r\n    font-weight: 800;\r\n    color: #0B2E59;\r\n    margin-bottom: 30px;\r\n    letter-spacing: -1px;\r\n}\r\n\r\n\/* Underline Accent *\/\r\n.privacy-container h1::after{\r\n    content: \"\";\r\n    display: block;\r\n    width: 90px;\r\n    height: 5px;\r\n    margin-top: 20px;\r\n    border-radius: 50px;\r\n    background: linear-gradient(\r\n        90deg,\r\n        #0B2E59,\r\n        #244C7D\r\n    );\r\n}\r\n\r\n\/* Section Titles *\/\r\n.privacy-container h2{\r\n    font-size: 34px;\r\n    line-height: 1.2;\r\n    font-weight: 700;\r\n    color: #0B2E59;\r\n    margin-top: 60px;\r\n    margin-bottom: 24px;\r\n    position: relative;\r\n    padding-left: 22px;\r\n}\r\n\r\n\/* Left Accent Line *\/\r\n.privacy-container h2::before{\r\n    content: \"\";\r\n    position: absolute;\r\n    left: 0;\r\n    top: 5px;\r\n    width: 5px;\r\n    height: calc(100% - 10px);\r\n    background: #244C7D;\r\n    border-radius: 50px;\r\n}\r\n\r\n\/* Paragraphs *\/\r\n.privacy-container p{\r\n    font-size: 18px;\r\n    line-height: 1.95;\r\n    color: #4b4b4b;\r\n    margin-bottom: 22px;\r\n}\r\n\r\n\/* Lists *\/\r\n.privacy-container ul{\r\n    margin: 20px 0 35px 0;\r\n    padding: 0;\r\n    list-style: none;\r\n}\r\n\r\n\/* List Items *\/\r\n.privacy-container li{\r\n    position: relative;\r\n    padding-left: 30px;\r\n    margin-bottom: 14px;\r\n    font-size: 17px;\r\n    line-height: 1.8;\r\n    color: #4b4b4b;\r\n}\r\n\r\n\/* Custom Bullet *\/\r\n.privacy-container li::before{\r\n    content: \"\";\r\n    width: 8px;\r\n    height: 8px;\r\n    background: #244C7D;\r\n    border-radius: 50%;\r\n    position: absolute;\r\n    left: 0;\r\n    top: 12px;\r\n}\r\n\r\n\/* Strong Text *\/\r\n.privacy-container strong{\r\n    color: #0B2E59;\r\n}\r\n\r\n\/* Links *\/\r\n.privacy-container a{\r\n    color: #244C7D;\r\n    font-weight: 600;\r\n    text-decoration: none;\r\n    transition: all 0.3s ease;\r\n}\r\n\r\n.privacy-container a:hover{\r\n    color: #000;\r\n    text-decoration: underline;\r\n}\r\n\r\n\/* Last Updated *\/\r\n.privacy-container .privacy-updated{\r\n    display: inline-block;\r\n    margin-bottom: 35px;\r\n    padding: 10px 18px;\r\n    background: #f3f6fb;\r\n    border-radius: 50px;\r\n    font-size: 14px;\r\n    font-weight: 600;\r\n    color: #0B2E59;\r\n}\r\n\r\n\/* Mobile *\/\r\n@media(max-width:768px){\r\n\r\n    .privacy-container{\r\n        margin: 30px 18px;\r\n        padding: 40px 28px;\r\n        border-radius: 18px;\r\n    }\r\n\r\n    .privacy-container h1{\r\n        font-size: 40px;\r\n    }\r\n\r\n    .privacy-container h2{\r\n        font-size: 28px;\r\n    }\r\n\r\n    .privacy-container p,\r\n    .privacy-container li{\r\n        font-size: 16px;\r\n        line-height: 1.8;\r\n    }\r\n\r\n}\r\n<\/style>\r\n<div class=\"privacy-container\">\r\n<div class=\"privacy-updated\">\r\n<h1>Conditions d&#039;utilisation<\/h1>\r\n<strong>Derni\u00e8re mise \u00e0 jour\u00a0:<\/strong> Ao\u00fbt 2026\r\n<\/div>\r\n\r\n<p>Bienvenue sur le site web d&#039;ACH Essentials. Ce site est exploit\u00e9 par ACH Webmedia Corporation, sous le nom commercial d&#039;ACH Essentials (\u201c\u00a0ACH Essentials\u00a0\u201d, \u201c\u00a0nous\u00a0\u201d, \u201c\u00a0notre\u00a0\u201d). En acc\u00e9dant \u00e0 ce site ou en l&#039;utilisant, vous acceptez les pr\u00e9sentes Conditions d&#039;utilisation et reconnaissez notre Politique de confidentialit\u00e9. Veuillez lire attentivement ces documents.<\/p>\r\n\r\n \t<h2>1. Acceptation des conditions<\/h2>\r\n\r\n<ul>En acc\u00e9dant \u00e0 ce site Web, en utilisant nos services de chatbot, en soumettant des formulaires ou en communiquant avec ACH Essentials, vous reconnaissez et acceptez les pr\u00e9sentes Conditions d&#039;utilisation et notre Politique de confidentialit\u00e9.<\/ul>\r\n\r\n<em><strong>Si vous n&#039;acceptez pas ces conditions, veuillez cesser d&#039;utiliser le site web et les services associ\u00e9s.<\/strong><\/em>\r\n\r\n \t<h2>2. Objectif du site web<\/h2>\r\n<ul>\r\nLes informations fournies sur ce site web sont destin\u00e9es \u00e0 des fins d&#039;information et de formation g\u00e9n\u00e9rales uniquement. ACH Essentials propose des informations relatives aux strat\u00e9gies d&#039;assurance et de protection financi\u00e8re. Le contenu de ce site web ne saurait \u00eatre consid\u00e9r\u00e9 comme un conseil personnalis\u00e9 en mati\u00e8re financi\u00e8re, juridique, fiscale ou d&#039;assurance.<br \/>\r\nLes visiteurs sont invit\u00e9s \u00e0 consulter directement un conseiller agr\u00e9\u00e9 afin d\u2019obtenir des conseils adapt\u00e9s \u00e0 leurs besoins et \u00e0 leur situation. La disponibilit\u00e9 des produits, l\u2019admissibilit\u00e9, la couverture, les primes et les d\u00e9cisions de souscription rel\u00e8vent de l\u2019assureur concern\u00e9 et peuvent varier d\u2019une province ou d\u2019un territoire \u00e0 l\u2019autre.\r\n<\/ul>\r\n\r\n \t<h2>3. Informations g\u00e9n\u00e9rales et conseils professionnels<\/h2>\r\n<ul>\r\nLe contenu propos\u00e9 sur ce site web, notamment les articles, les ressources t\u00e9l\u00e9chargeables, les r\u00e9ponses automatis\u00e9es du chatbot et les communications g\u00e9n\u00e9rales, est fourni \u00e0 titre informatif et p\u00e9dagogique uniquement. Il ne constitue en aucun cas un avis personnalis\u00e9 en mati\u00e8re d&#039;assurance, de finance, de droit, de fiscalit\u00e9, de sant\u00e9 ou autre conseil professionnel.<br \/><br \/>\r\n\r\nL\u2019acc\u00e8s \u00e0 ce site Web, son utilisation, la soumission d\u2019un formulaire, la communication avec le chatbot ou la demande d\u2019informations ne cr\u00e9ent pas, en soi, une relation conseiller-client ni ne constituent une demande d\u2019assurance.<br \/><br \/>\r\n\r\nDes recommandations d&#039;assurance personnalis\u00e9es ne peuvent \u00eatre fournies qu&#039;apr\u00e8s une consultation et une \u00e9valuation approfondies de votre situation et de vos besoins. L&#039;admissibilit\u00e9 \u00e0 l&#039;assurance, la couverture, les primes et les d\u00e9cisions de souscription sont soumises aux exigences de l&#039;assureur, aux conditions g\u00e9n\u00e9rales de la police et \u00e0 la l\u00e9gislation applicable. Les informations pr\u00e9sentes sur ce site Web ne constituent en aucun cas une offre, une approbation, une garantie ou une promesse de couverture ou de contrat d&#039;assurance.\r\n<\/ul>\r\n\r\n \t<h2>4. Utilisation du site Web<\/h2>\r\n<ul>\r\n\r\nVous acceptez d&#039;utiliser ce site web uniquement \u00e0 des fins licites et d&#039;une mani\u00e8re qui ne\u00a0:\r\n<ul>\r\n \t<li>Enfreindre les lois ou r\u00e9glementations applicables<\/li>\r\n \t<li>Perturber le fonctionnement ou la s\u00e9curit\u00e9 du site web<\/li>\r\n \t<li>Tenter d&#039;acc\u00e9der sans autorisation aux syst\u00e8mes ou aux informations<\/li>\r\n \t<li>Soumettre des informations fausses, trompeuses ou frauduleuses<\/li>\r\n \t<li>Utiliser des syst\u00e8mes automatis\u00e9s pour exploiter les formulaires de sites web ou les services de chatbot<\/li>\r\n<\/ul>\r\n<p>ACH Essentials se r\u00e9serve le droit de restreindre ou de r\u00e9silier l&#039;acc\u00e8s des utilisateurs qui font un usage abusif du site web ou des services associ\u00e9s.<\/p>\r\n<\/ul>\r\n\r\n \t<h2>5. Services de chatbot et de communication <\/h2>\r\n<ul>\r\nACH Essentials peut utiliser un chatbot, une messagerie instantan\u00e9e, un CRM, des outils d&#039;analyse et de communication automatis\u00e9s pour assister les visiteurs et g\u00e9rer les demandes. Les r\u00e9ponses du chatbot et les r\u00e9ponses automatis\u00e9es peuvent ne pas toujours \u00eatre compl\u00e8tes, \u00e0 jour ou adapt\u00e9es \u00e0 votre situation. Une interaction avec un chatbot n&#039;\u00e9tablit pas de relation conseiller-client, ne constitue pas une consultation d&#039;assurance formelle et n&#039;engage ni ACH Essentials, ni Experior Financial Group Inc., ni aucun assureur. Les r\u00e9ponses du chatbot et les r\u00e9ponses automatis\u00e9es sont fournies \u00e0 titre informatif et administratif uniquement et peuvent ne pas toujours \u00eatre compl\u00e8tes, \u00e0 jour ou adapt\u00e9es \u00e0 votre situation personnelle. Elles ne constituent pas un conseil personnalis\u00e9 en mati\u00e8re d&#039;assurance, de finances, de droit, de fiscalit\u00e9 ou autre conseil professionnel. Vous devriez consulter directement un conseiller agr\u00e9\u00e9 avant de prendre des d\u00e9cisions en mati\u00e8re d&#039;assurance ou de finances. Le chatbot ne peut pas remplir une demande d&#039;assurance, approuver une couverture, conclure un contrat d&#039;assurance ni remplacer une consultation formelle avec un conseiller agr\u00e9\u00e9. Veuillez ne pas transmettre d&#039;informations hautement sensibles par le biais du chatbot, notamment\u00a0: Veuillez \u00e9viter de transmettre des informations hautement sensibles telles que\u00a0:\r\n<ul>\r\n \t<li>Num\u00e9ros d&#039;assurance sociale (NAS)<\/li>\r\n \t<li>identifiants bancaires<\/li>\r\n \t<li>num\u00e9ros de carte de cr\u00e9dit<\/li>\r\n \t<li>Mots de passe<\/li>\r\n \t<li>Dossiers m\u00e9dicaux d\u00e9taill\u00e9s via des formulaires en ligne ou des conversations avec un chatbot.<\/li>\r\n<\/ul>\r\n\r\n<\/ul>\r\n\r\n \t<h2>6. Propri\u00e9t\u00e9 intellectuelle<\/h2>\r\n<ul>\r\n    Sauf indication contraire, le contenu du site web cr\u00e9\u00e9 et d\u00e9tenu par ACH Essentials (notamment les textes originaux, l&#039;identit\u00e9 visuelle, les graphismes, la mise en page et les documents t\u00e9l\u00e9chargeables) est prot\u00e9g\u00e9 par les lois applicables en mati\u00e8re de propri\u00e9t\u00e9 intellectuelle et ne peut \u00eatre copi\u00e9, reproduit, modifi\u00e9, distribu\u00e9 ni utilis\u00e9 \u00e0 des fins commerciales sans autorisation \u00e9crite pr\u00e9alable. Certaines marques, logos, images, logiciels, th\u00e8mes, contenus et autres \u00e9l\u00e9ments appartiennent \u00e0 Experior Financial Group Inc., aux assureurs, aux prestataires de services ou \u00e0 d&#039;autres conc\u00e9dants de licence tiers. Leur pr\u00e9sence sur ce site web n&#039;entra\u00eene aucun transfert de droits de propri\u00e9t\u00e9 \u00e0 ACH Essentials ni aux visiteurs du site.<br \/>\r\nL&#039;ensemble du contenu du site Web, y compris, mais sans s&#039;y limiter\u00a0:\r\n<ul>\r\n \t<li>Logos<\/li>\r\n \t<li>Image de marque<\/li>\r\n \t<li>Graphique<\/li>\r\n \t<li>Texte<\/li>\r\n \t<li>Conception de sites web<\/li>\r\n \t<li>Plans<\/li>\r\n \t<li>Images<\/li>\r\n \t<li>T\u00e9l\u00e9chargements<\/li>\r\n \t<li>Contenu personnalis\u00e9<\/li>\r\n<\/ul>\r\nSauf indication contraire, ce document est la propri\u00e9t\u00e9 d&#039;ACH Essentials et ne peut \u00eatre copi\u00e9, reproduit, distribu\u00e9 ou modifi\u00e9 sans autorisation \u00e9crite pr\u00e9alable.\r\n<\/ul>\r\n\r\n \t<h2><strong>7. Services et liens tiers<\/strong><\/h2>\r\n<ul start=\"7\">\r\n    Un lien vers un service tiers ou une int\u00e9gration avec celui-ci ne constitue ni une approbation ni une garantie de ce service. Les services tiers sont r\u00e9gis par leurs propres conditions d&#039;utilisation, politiques de confidentialit\u00e9 et disponibilit\u00e9s. ACH Essentials n&#039;est pas responsable des modifications, interruptions ou contenus contr\u00f4l\u00e9s par ces fournisseurs. Ce site Web peut int\u00e9grer des services tiers ou contenir des liens vers ceux-ci, notamment\u00a0:\r\n<ul>\r\n \t<li>Zoho SalesIQ<\/li>\r\n \t<li>Fournisseurs d&#039;analyse<\/li>\r\n \t<li>plateformes de m\u00e9dias sociaux<\/li>\r\n \t<li>Services d&#039;h\u00e9bergement<\/li>\r\n \t<li>Ressources d&#039;information externes<\/li>\r\n<\/ul>\r\nACH Essentials d\u00e9cline toute responsabilit\u00e9 quant au contenu, aux politiques, \u00e0 la s\u00e9curit\u00e9 et aux pratiques des sites web ou services tiers. L\u2019utilisation de ces services tiers est soumise \u00e0 leurs propres conditions d\u2019utilisation et politiques de confidentialit\u00e9.\r\n<\/ul>\r\n\r\n <h2>8. Limitation de responsabilit\u00e9<\/h2>\r\n<ul>\r\nNous mettons tout en \u0153uvre pour que le site web et ses informations soient exacts, \u00e0 jour et s\u00e9curis\u00e9s. Toutefois, le site web et son contenu sont fournis \u00e0 titre informatif uniquement et peuvent contenir des erreurs, des omissions ou des informations obsol\u00e8tes.<br\/>\r\n\r\nDans toute la mesure permise par la loi applicable, ACH Essentials et ACH Webmedia Corporation ne seront pas responsables des pertes r\u00e9sultant uniquement de la confiance accord\u00e9e au contenu g\u00e9n\u00e9ral du site Web, aux interruptions temporaires de service, aux difficult\u00e9s techniques, aux services tiers, aux r\u00e9ponses des chatbots ou aux acc\u00e8s non autoris\u00e9s hors de notre contr\u00f4le raisonnable.<br\/>\r\n\r\nAucune disposition des pr\u00e9sentes Conditions g\u00e9n\u00e9rales n&#039;exclut ni ne limite la responsabilit\u00e9 qui ne peut \u00eatre l\u00e9galement exclue ou limit\u00e9e, notamment la responsabilit\u00e9 d\u00e9coulant d&#039;une faute intentionnelle ou d&#039;une n\u00e9gligence grave, ou la responsabilit\u00e9 pour pr\u00e9judice corporel ou moral. Il vous incombe de consulter un professionnel qualifi\u00e9 avant de prendre toute d\u00e9cision importante en mati\u00e8re d&#039;assurance, de finances, de droit, de fiscalit\u00e9 ou autre.<br\/>\r\n<ul>\r\n \t<li>Utilisation de ce site web<\/li>\r\n \t<li>D\u00e9pendance au contenu du site web<\/li>\r\n \t<li>interruptions techniques<\/li>\r\n \t<li>Services tiers<\/li>\r\n \t<li>Interactions avec le chatbot<\/li>\r\n \t<li>Acc\u00e8s non autoris\u00e9 aux donn\u00e9es<\/li>\r\n<\/ul>\r\nL&#039;utilisation de ce site web se fait \u00e0 vos propres risques.\r\n<\/ul>\r\n\r\n \t<h2>9. Confidentialit\u00e9<\/h2>\r\n<ul>\r\nVotre utilisation de ce site web est \u00e9galement r\u00e9gie par notre Politique de confidentialit\u00e9, qui explique comment les informations sont collect\u00e9es, utilis\u00e9es et prot\u00e9g\u00e9es.\r\n<\/ul>\r\n\r\n \t<h2>10. Modifications des pr\u00e9sentes conditions<\/h2>\r\n<ul>\r\nNous pouvons mettre \u00e0 jour les pr\u00e9sentes Conditions d&#039;utilisation afin de refl\u00e9ter les modifications apport\u00e9es \u00e0 notre site web, \u00e0 nos services ou \u00e0 nos obligations l\u00e9gales. La date de \u201c\u00a0Derni\u00e8re mise \u00e0 jour\u00a0\u201d sera r\u00e9vis\u00e9e \u00e0 chaque modification. Le cas \u00e9ch\u00e9ant, les modifications importantes pourront \u00e9galement \u00eatre communiqu\u00e9es par le biais d&#039;un avis sur le site web. Les Conditions mises \u00e0 jour s&#039;appliquent \u00e0 compter de leur date d&#039;entr\u00e9e en vigueur indiqu\u00e9e.\r\n<\/ul>\r\n\r\n \t<h2>11. Droit applicable<\/h2>\r\n<ul>\r\nLes pr\u00e9sentes conditions g\u00e9n\u00e9rales sont r\u00e9gies par les lois de la province de Qu\u00e9bec et les lois f\u00e9d\u00e9rales applicables du Canada. Aucune disposition des pr\u00e9sentes ne limite les droits ou protections obligatoires pr\u00e9vus par les lois applicables en mati\u00e8re de protection du consommateur, de protection de la vie priv\u00e9e ou autres.\r\n<\/ul>\r\n\r\n \t<h2>12. Coordonn\u00e9es<\/h2>\r\n<ul start=\"12\">\r\nSi vous avez des questions concernant ces conditions d&#039;utilisation, veuillez contacter\u00a0:\r\n\r\n<p><\/p><strong>ACH Webmedia Corporation, op\u00e9rant sous le nom d&#039;ACH Essentials<\/strong><br \/>\r\nMontr\u00e9al, Qu\u00e9bec, Canada<br \/>\r\nE-mail: <a href=\"mailto:info@achessentials.com\">\r\n    info@achessentials.com\r\n<\/a><\/p>\r\n\r\n&nbsp;\r\n<\/ul>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Terms of Service Last Updated: August 2026 Welcome to the A.C.H Essentials website. This website is operated by A.C.H Webmedia Corporation, operating as A.C.H Essentials (\u201cA.C.H Essentials,\u201d \u201cwe,\u201d \u201cus\u201d or \u201cour\u201d). By accessing or using this website, you agree to these Terms of Service and acknowledge our Privacy Policy. Please read these documents carefully. 1. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4720","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Terms of Service - A.C.H Essentials<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/achessentials.com\/fr\/terms-of-service\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terms of Service - A.C.H Essentials\" \/>\n<meta property=\"og:description\" content=\"Terms of Service Last Updated: August 2026 Welcome to the A.C.H Essentials website. This website is operated by A.C.H Webmedia Corporation, operating as A.C.H Essentials (\u201cA.C.H Essentials,\u201d \u201cwe,\u201d \u201cus\u201d or \u201cour\u201d). By accessing or using this website, you agree to these Terms of Service and acknowledge our Privacy Policy. Please read these documents carefully. 1. 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