Section 9: Provisions relating to the provision or delivery of information or documents on any durable medium other than paper

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Article L314-27

French Consumer CodeIn force

Updated 8 Nov 2023

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 this information and documents on the durable medium envisaged.

After this verification, the creditor shall inform the borrower in a clear, precise and comprehensible manner of the continuation of the commercial relationship on a durable medium other than paper. This verification shall be repeated annually.

Unless this is incompatible with the nature of the distance contract concluded or the financial service provided, he must inform the borrower of his right to object to the use of this medium as soon as the relationship is entered into or at any time. At any time during the relationship, he must prove that this information has been brought to the borrower's attention.

Mariela Petrova

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Common Questions

Working with a corporate lawyer in France — Q&A

Any time a strategic decision changes how the company is owned, governed or contractually bound — incorporation, fundraising, M&A, restructuring, shareholder agreements, or major commercial contracts. Earlier engagement always costs less than later remediation.

A notary (notaire) is a public officer who authenticates specific deeds (mainly real-estate transfers and certain family-law acts). A corporate lawyer (avocat) advises on strategy, negotiates and drafts company documents, and represents you in disputes. The two roles complement rather than overlap.

Yes — most of our clients are foreign suppliers, investors or holding entities. We bridge the gap between French law and your home jurisdiction's expectations and deliver everything bilingually.

The SAS (Société par Actions Simplifiée) is the default choice for most international structures: flexible governance, single shareholder allowed, no minimum capital, and works cleanly with foreign holding entities. We assess SARL, SA, SCI on the merits when the situation calls for it.

Yes — communications with a French avocat are protected by the secret professionnel (Article 66-5 of the Law of 31 December 1971). This protection is broader than the common-law attorney-client privilege and applies to written and oral exchanges.

We work on fixed fees for clearly scoped engagements (incorporation, contract drafting, audits) and on monthly retainers for ongoing advisory. Hourly billing is the exception, not the default. You always know the cost before work starts.

Typical timeline is 2–3 weeks from KYC kick-off to RCS registration, assuming standard documentation. Holding-company structures, foreign-shareholder identification or in-kind contributions can extend this — we flag the gating items at the first meeting.

Absolutely. We routinely coordinate with your in-house counsel, expert-comptable or notaire — pragmatic collaboration is the norm, not the exception. We send them everything they need to do their part without duplicating work.

Mariela Petrova

Mariela Petrova

Avocate au Barreau de Paris

Toque #C2396

15+ Years In Corporate Practice

English · French · Russian

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Communications protected by professional secrecy — secret professionnel de l'avocat, Article 66-5 of the Law of 31 December 1971.

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