[{"data":1,"prerenderedAt":4073},["ShallowReactive",2],{"trust-center":3,"card-with-modal":328},{"metadata":4,"sys":9,"fields":29},{"tags":5,"concepts":6,"contentType":7,"slug":8},[],[],"landing","trust-center-do-not-modify",{"space":10,"id":15,"type":16,"createdAt":17,"updatedAt":18,"environment":19,"publishedVersion":23,"revision":24,"contentType":25,"locale":28},{"sys":11},{"type":12,"linkType":13,"id":14},"Link","Space","b76knntgaaiu","3MtmqGvJLL29yvOF57Vj8d","Entry","2024-10-16T13:43:34.832Z","2026-09-16T12:58:37.829Z",{"sys":20},{"id":21,"type":12,"linkType":22},"master","Environment",27,6,{"sys":26},{"type":12,"linkType":27,"id":7},"ContentType","es",{"titreContentful":30,"slug":8,"indexed":31,"navbar":32,"navbarCta":32,"ctaText":33,"ctaLink":34,"title":35,"description":35,"sectionsbanners":36},"LEGAL: Trust center",false,true,"Empezar ahora","https:\u002F\u002Fstart.pennylane.com\u002F","Estos bloques son para el centro de confianza",[37,223],{"metadata":38,"sys":41,"fields":54},{"tags":39,"concepts":40},[],[],{"space":42,"id":44,"type":16,"createdAt":45,"updatedAt":46,"environment":47,"publishedVersion":49,"revision":50,"contentType":51,"locale":28},{"sys":43},{"type":12,"linkType":13,"id":14},"3VQfVrLNh1drvUKshtCA9M","2024-10-16T12:36:55.456Z","2026-09-16T12:58:37.912Z",{"sys":48},{"id":21,"type":12,"linkType":22},23,5,{"sys":52},{"type":12,"linkType":27,"id":53},"landingBlocFaq",{"contentfulTitle":55,"backgroundColor":56,"title":57,"questions":58},"FAQ Trust Center","bg-pl-green-100","FAQ",[59,79,97,115,133,152,170,187,205],{"metadata":60,"sys":63,"fields":76},{"tags":61,"concepts":62},[],[],{"space":64,"id":66,"type":16,"createdAt":67,"updatedAt":68,"environment":69,"publishedVersion":71,"revision":72,"contentType":73,"locale":28},{"sys":65},{"type":12,"linkType":13,"id":14},"2iy0UU6BLH1faEHDZN8tGv","2024-10-16T12:24:37.749Z","2026-09-16T12:58:38.184Z",{"sys":70},{"id":21,"type":12,"linkType":22},11,4,{"sys":74},{"type":12,"linkType":27,"id":75},"landingComposantFaqQuestion",{"question":77,"answer":78},"¿Cumple Pennylane.com con el RGPD?","Absolutamente. Pennylane.com cumple con el RGPD y en ocasiones va incluso más allá del simple cumplimiento. Nos tomamos muy en serio la protección de sus datos personales y hemos implementado estrictas medidas de seguridad para garantizar la conformidad y la seguridad de los tratamientos.\nPara obtener más información sobre las medidas que hemos implementado, puede consultar nuestra sección La conformidad RGPD en Pennylane.",{"metadata":80,"sys":83,"fields":94},{"tags":81,"concepts":82},[],[],{"space":84,"id":86,"type":16,"createdAt":87,"updatedAt":88,"environment":89,"publishedVersion":91,"revision":50,"contentType":92,"locale":28},{"sys":85},{"type":12,"linkType":13,"id":14},"4jRP8VUUpBFYiJPNPDZUi2","2024-10-16T12:25:13.653Z","2026-09-16T12:58:38.172Z",{"sys":90},{"id":21,"type":12,"linkType":22},21,{"sys":93},{"type":12,"linkType":27,"id":75},{"question":95,"answer":96},"¿Qué medidas de seguridad implementa Pennylane para proteger mis datos?","Pennylane.com implementa una variedad de medidas de seguridad para proteger sus datos y ha obtenido la certificación ISO 27001 en todos sus sistemas y actividades. Estas medidas incluyen el cifrado de datos en tránsito y en reposo, la implementación de copias de seguridad continuas, un control de acceso estricto, la trazabilidad de todas las operaciones y una infraestructura robusta. Además, nuestras medidas y controles son auditados periódicamente por expertos independientes para garantizar su eficacia. Para obtener más información, puede consultar [nuestra página dedicada a la seguridad](https:\u002F\u002Fwww.pennylane.com\u002Ffr\u002Fsecurite).",{"metadata":98,"sys":101,"fields":112},{"tags":99,"concepts":100},[],[],{"space":102,"id":104,"type":16,"createdAt":105,"updatedAt":106,"environment":107,"publishedVersion":109,"revision":50,"contentType":110,"locale":28},{"sys":103},{"type":12,"linkType":13,"id":14},"2MDd52aTD0U6Pb5fIieDNB","2024-10-16T12:25:52.261Z","2026-09-16T12:58:38.159Z",{"sys":108},{"id":21,"type":12,"linkType":22},20,{"sys":111},{"type":12,"linkType":27,"id":75},{"question":113,"answer":114},"¿Comparte Pennylane.com mis datos con terceros?","No. Pennylane no comparte sus datos con terceros, salvo con sus subcontratistas ([ver Política de privacidad](https:\u002F\u002Fwww.pennylane.com\u002Ffr\u002Flegal\u002Fprivacy\u002F) y lista de nuestros subcontratistas posteriores en nuestras CGV). En el caso de que tuviéramos que compartir sus datos con terceros, le informaremos y le solicitaremos su consentimiento explícito.",{"metadata":116,"sys":119,"fields":130},{"tags":117,"concepts":118},[],[],{"space":120,"id":122,"type":16,"createdAt":123,"updatedAt":124,"environment":125,"publishedVersion":127,"revision":72,"contentType":128,"locale":28},{"sys":121},{"type":12,"linkType":13,"id":14},"2yfDYVfiHCwwSpbTR7eHg2","2024-10-16T12:26:23.966Z","2026-09-16T12:58:38.148Z",{"sys":126},{"id":21,"type":12,"linkType":22},17,{"sys":129},{"type":12,"linkType":27,"id":75},{"question":131,"answer":132},"¿Dónde y cómo se alojan los datos?","Los datos se alojan en AWS en Irlanda. Los datos están cifrados tanto en reposo como en tránsito. Todos los datos se respaldan de forma continua, lo que permite restaurar en cualquier momento datos de al menos 15 minutos de antigüedad. El tiempo de recuperación de una copia de seguridad es de 1 hora. El proceso de recuperación completa se verifica dos veces al año para mejorar su rendimiento.\nPara obtener más información, consulte [nuestra página dedicada a la seguridad](https:\u002F\u002Fwww.pennylane.com\u002Ffr\u002Fsecurite).",{"metadata":134,"sys":137,"fields":149},{"tags":135,"concepts":136},[],[],{"space":138,"id":140,"type":16,"createdAt":141,"updatedAt":142,"environment":143,"publishedVersion":145,"revision":146,"contentType":147,"locale":28},{"sys":139},{"type":12,"linkType":13,"id":14},"3APkLqFad4O2He1DeY9rT9","2024-10-16T12:29:37.053Z","2026-09-16T12:58:38.135Z",{"sys":144},{"id":21,"type":12,"linkType":22},30,3,{"sys":148},{"type":12,"linkType":27,"id":75},{"question":150,"answer":151},"¿Cómo organiza Pennylane su gestión de riesgos?","La seguridad y la fiabilidad de nuestros servicios son primordiales para nosotros. Nos tomamos muy en serio la gestión de riesgos y hemos implementado dispositivos sólidos inspirados en la regulación bancaria para anticiparlos, controlarlos y tratarlos. Así es como procedemos:\n\n1. Cartografía de riesgos: Identificamos y analizamos todos los riesgos posibles que podrían afectar a nuestra actividad y a nuestros clientes. Esto significa que anticipamos todo, desde fraudes hasta errores humanos, pasando por ciberataques. La cartografía se actualiza varias veces al año para reflejar la evolución de nuestra actividad y nuestros riesgos. Los riesgos se clasifican según su criticidad y frecuencia para facilitar su seguimiento y definir los controles.\n2. Tres niveles de defensa: Contamos con un enfoque en tres niveles para gestionar los riesgos:\n   - Primera línea de defensa: nuestros operativos y sus responsables directos están formados para identificar y gestionar los riesgos relacionados con sus operaciones diarias. Siguen procedimientos estrictos para evitar errores y detectar problemas rápidamente.\n   - Segunda línea de defensa: Nuestros servicios de control interno y cumplimiento normativo supervisan y evalúan periódicamente los riesgos. Se aseguran de que nuestros procesos y controles de primer nivel se apliquen correctamente y mejoran continuamente nuestros métodos.\n   - Tercera línea de defensa: Nuestros auditores externos realizan auditorías periódicas para verificar que todo funciona según lo previsto. Proporcionan recomendaciones para reforzar nuestra seguridad.\n3. Gobernanza: La gestión de riesgos está supervisada por nuestra dirección y consejo de administración, que define los umbrales de riesgo aceptable y se asegura de que los riesgos sean calculados y, cuando se aceptan, que lo sean con pleno conocimiento de causa y que se tomen todas las acciones necesarias para controlarlos. Un comité dedicado se reúne regularmente para evaluar la situación, debatir sobre nuevas amenazas e implementar planes de acción.\n4. Formación y sensibilización: Todos nuestros empleados reciben formación para comprender los riesgos y saber cómo gestionarlos. Organizamos sesiones de formación periódicas para mantener un alto nivel de vigilancia.\n\nEn resumen, como organización, adoptamos un enfoque global y riguroso para gestionar los riesgos. Puede confiar en nuestra capacidad para proteger sus intereses y garantizar la continuidad de nuestros servicios.",{"metadata":153,"sys":156,"fields":167},{"tags":154,"concepts":155},[],[],{"space":157,"id":159,"type":16,"createdAt":160,"updatedAt":161,"environment":162,"publishedVersion":164,"revision":146,"contentType":165,"locale":28},{"sys":158},{"type":12,"linkType":13,"id":14},"4oZWuHEjeO3n6xkMt4Ww4Q","2024-10-16T12:34:52.257Z","2026-09-16T12:58:38.123Z",{"sys":163},{"id":21,"type":12,"linkType":22},8,{"sys":166},{"type":12,"linkType":27,"id":75},{"question":168,"answer":169},"¿Puedo solicitar la eliminación de mis datos personales?","Puede solicitar en cualquier momento la eliminación de sus datos en Pennylane, siempre que dicha eliminación sea compatible con el uso que hace de la Solución; por ejemplo, si desea darse de baja y su contabilidad no está gestionada por nuestros partners \"gabinete de asesoría contable\". En cambio, en el marco de una misión contable con un gabinete partner, la extracción y eliminación de datos están sujetas a las obligaciones legales de su asesor contable, y le recomendamos que se ponga en contacto con él. Por otro lado, si es empleado de un cliente pyme o colaborador de un gabinete de asesoría contable partner y desea que sus datos sean eliminados, debe dirigirse a su empleador, que actúa como responsable del tratamiento.",{"metadata":171,"sys":174,"fields":184},{"tags":172,"concepts":173},[],[],{"space":175,"id":177,"type":16,"createdAt":178,"updatedAt":179,"environment":180,"publishedVersion":164,"revision":146,"contentType":182,"locale":28},{"sys":176},{"type":12,"linkType":13,"id":14},"4BZume6vP7Zr7E3DVlkYkX","2024-10-16T12:35:18.025Z","2026-09-16T12:58:37.948Z",{"sys":181},{"id":21,"type":12,"linkType":22},{"sys":183},{"type":12,"linkType":27,"id":75},{"question":185,"answer":186},"¿Puedo recuperar mis datos si los elimino por error?","Si elimina datos por error, le invitamos a ponerse en contacto con nosotros lo antes posible; estudiaremos si es posible realizar una restauración, aunque no podemos garantizarlo.",{"metadata":188,"sys":191,"fields":202},{"tags":189,"concepts":190},[],[],{"space":192,"id":194,"type":16,"createdAt":195,"updatedAt":196,"environment":197,"publishedVersion":199,"revision":146,"contentType":200,"locale":28},{"sys":193},{"type":12,"linkType":13,"id":14},"3Vp4t5bu9maj8mvOWQknBH","2024-10-16T12:36:43.384Z","2026-09-16T12:58:37.937Z",{"sys":198},{"id":21,"type":12,"linkType":22},13,{"sys":201},{"type":12,"linkType":27,"id":75},{"question":203,"answer":204},"¿Cómo se organiza la eliminación de datos cuando abandono Pennylane?","La gestión de la eliminación de datos depende de si usted es asesor contable o empresa, y del tipo de suscripción que tenga.\n\n*Caso n.º 1: Es una empresa y paga directamente su suscripción a Pennylane (facturación directa)*\nEn este caso, puede rescindir su suscripción directamente.\nSi su asesor contable está en Pennylane, le propondremos pasar a un plan colaborativo para que su asesor contable pueda seguir trabajando fácilmente en su expediente. Si acepta, sus datos se conservarán en el plan colaborativo. Si rechaza, a partir de la rescisión dispondrá de un plazo de 30 días para exportar los datos que desee conservar. Transcurridos estos 30 días, todos sus datos serán eliminados de nuestras bases de datos. Informaremos a su asesor contable en paralelo para permitirle exportar los datos que desee conservar.\n\n*Caso n.º 2: Es una empresa y paga su suscripción a su asesor contable (facturación indirecta)*\nEn este caso, debe pasar por su asesor contable para rescindir su suscripción. A partir de la rescisión, su cuenta pasa al plan colaborativo pero no se elimina mientras su asesor contable permanezca en Pennylane.\nSi desea que sus datos sean eliminados, deberá solicitárselo a su asesor contable, quien actúa aquí como responsable del tratamiento.\n\n*Caso n.º 3: Es asesor contable*\nEn este caso, tiene la posibilidad, en el momento de la rescisión, de solicitar la apertura de un período de reversibilidad al término del cual todos los datos serán eliminados. Si no desea beneficiarse de un período de reversibilidad, dispondrá de un plazo de 30 días a partir de la fecha de rescisión para exportar todos los datos que desee conservar.",{"metadata":206,"sys":209,"fields":220},{"tags":207,"concepts":208},[],[],{"space":210,"id":212,"type":16,"createdAt":213,"updatedAt":214,"environment":215,"publishedVersion":217,"revision":146,"contentType":218,"locale":28},{"sys":211},{"type":12,"linkType":13,"id":14},"PXxrIZn838cdF7wAVC80e","2024-11-14T09:20:22.315Z","2026-09-16T12:58:37.926Z",{"sys":216},{"id":21,"type":12,"linkType":22},10,{"sys":219},{"type":12,"linkType":27,"id":75},{"question":221,"answer":222},"¿Cómo se realiza la transferencia de expediente de un colega a otro?","Podrá encontrar toda la información y el procedimiento de transferencia en [nuestro artículo dedicado en el centro de ayuda](https:\u002F\u002Fhelp.pennylane.com\u002Ffr\u002Farticles\u002F79825-transferer-un-dossier-d-un-cabinet-a-un-autre).",{"metadata":224,"sys":227,"fields":238},{"tags":225,"concepts":226},[],[],{"space":228,"id":230,"type":16,"createdAt":231,"updatedAt":232,"environment":233,"publishedVersion":235,"revision":146,"contentType":236,"locale":28},{"sys":229},{"type":12,"linkType":13,"id":14},"23ZFz85ZV45JLOvXWG64Xx","2024-10-16T12:41:15.472Z","2026-09-16T12:58:37.845Z",{"sys":234},{"id":21,"type":12,"linkType":22},14,{"sys":237},{"type":12,"linkType":27,"id":53},{"contentfulTitle":239,"backgroundColor":240,"title":241,"questions":242},"Trust Center Legal - FAQ Lanceurs d'alerte","bg-white","Alertadores",[243,260,277,294,311],{"metadata":244,"sys":247,"fields":257},{"tags":245,"concepts":246},[],[],{"space":248,"id":250,"type":16,"createdAt":251,"updatedAt":252,"environment":253,"publishedVersion":217,"revision":72,"contentType":255,"locale":28},{"sys":249},{"type":12,"linkType":13,"id":14},"37haiBKVnFyGP1GwjWWIa0","2024-10-16T12:38:00.263Z","2026-09-16T12:58:37.901Z",{"sys":254},{"id":21,"type":12,"linkType":22},{"sys":256},{"type":12,"linkType":27,"id":75},{"question":258,"answer":259},"¿Qué es la alerta profesional (whistleblowing)?","El proceso de alerta profesional es una vía confidencial para denunciar cualquier acto contrario a la ética, cualquier incumplimiento normativo o cualquier comportamiento perjudicial dentro de una organización, por parte de una persona que lo presencia directamente. Este derecho de alerta debe ejercerse de manera responsable, desinteresada, de buena fe, sin carácter difamatorio y sin abuso.",{"metadata":261,"sys":264,"fields":274},{"tags":262,"concepts":263},[],[],{"space":265,"id":267,"type":16,"createdAt":268,"updatedAt":269,"environment":270,"publishedVersion":164,"revision":146,"contentType":272,"locale":28},{"sys":266},{"type":12,"linkType":13,"id":14},"2S894PDmNGvxeJRQvb89h1","2024-10-16T12:38:24.652Z","2026-09-16T12:58:37.890Z",{"sys":271},{"id":21,"type":12,"linkType":22},{"sys":273},{"type":12,"linkType":27,"id":75},{"question":275,"answer":276},"¿Quién puede presentar una alerta?","Los alertadores pueden ser empleados, prestadores de servicios, proveedores u otras personas con conocimiento privilegiado de las actividades de una organización. Tienen acceso a información no disponible para el público en general y pueden identificar comportamientos reprobables dentro de la empresa.",{"metadata":278,"sys":281,"fields":291},{"tags":279,"concepts":280},[],[],{"space":282,"id":284,"type":16,"createdAt":285,"updatedAt":286,"environment":287,"publishedVersion":164,"revision":146,"contentType":289,"locale":28},{"sys":283},{"type":12,"linkType":13,"id":14},"3MXhiZJkh435PQLLe4FSaz","2024-10-16T12:38:48.065Z","2026-09-16T12:58:37.879Z",{"sys":288},{"id":21,"type":12,"linkType":22},{"sys":290},{"type":12,"linkType":27,"id":75},{"question":292,"answer":293},"¿Cómo organiza Pennylane el sistema de alertas profesionales?","Pennylane ha implementado un sistema de alertas profesionales a través de su plataforma https:\u002F\u002Fpennylane.whistlelink.com\u002F, que es el único canal oficial de alertas de Pennylane. La plataforma está disponible en todo momento (24h\u002F24, 7d\u002F7).",{"metadata":295,"sys":298,"fields":308},{"tags":296,"concepts":297},[],[],{"space":299,"id":301,"type":16,"createdAt":302,"updatedAt":303,"environment":304,"publishedVersion":127,"revision":72,"contentType":306,"locale":28},{"sys":300},{"type":12,"linkType":13,"id":14},"ramPSbBuCrd516rbmMB4Q","2024-10-16T12:40:00.309Z","2026-09-16T12:58:37.868Z",{"sys":305},{"id":21,"type":12,"linkType":22},{"sys":307},{"type":12,"linkType":27,"id":75},{"question":309,"answer":310},"¿Qué puede denunciar un alertador?","El alertador debe actuar de buena fe, es decir, tener motivos razonables para creer que los hechos denunciados son verídicos a la luz de la información de que dispone. No es necesario aportar pruebas, pero la denuncia no debe realizarse con intención de causar daño ni de obtener una contraprestación económica. Por último, la denuncia debe realizarse en interés general y ir más allá de las circunstancias personales del empleado o colaborador.\n\nAlgunos ejemplos:\n- una infracción penal, como el fraude,\n- un acto de blanqueo de capitales o de financiación del terrorismo,\n- violaciones de leyes, reglamentos o del derecho de la Unión Europea,\n- un riesgo o daño real al medio ambiente,\n- un error judicial,\n- corrupción,\n- uso indebido de los recursos de la empresa,\n- acoso sexual o moral,\n- cualquier otro comportamiento ilegal o contrario a la ética.",{"metadata":312,"sys":315,"fields":325},{"tags":313,"concepts":314},[],[],{"space":316,"id":318,"type":16,"createdAt":319,"updatedAt":320,"environment":321,"publishedVersion":199,"revision":146,"contentType":323,"locale":28},{"sys":317},{"type":12,"linkType":13,"id":14},"4Vhk1R8imPG40ASrKSiLC4","2024-10-16T12:41:08.667Z","2026-09-16T12:58:37.857Z",{"sys":322},{"id":21,"type":12,"linkType":22},{"sys":324},{"type":12,"linkType":27,"id":75},{"question":326,"answer":327},"¿Cómo protege Pennylane a los alertadores?","Pennylane se compromete a implementar y mantener todas las medidas necesarias para prohibir cualquier forma de represalia contra las personas que presenten un informe de denuncia en su plataforma. Dichas represalias pueden adoptar la forma de pérdida de empleo, degradación, acoso o cualquier otra forma de discriminación.\n\nEl estatuto de alertador puede incluir las siguientes protecciones:\n- Anonimato: La identidad del alertador permanece estrictamente confidencial.\n- Protecciones jurídicas: Determinadas leyes y reglamentos prohíben expresamente las represalias contra los denunciantes y ofrecen garantías jurídicas (exención de responsabilidad civil y penal, modulación de la carga de la prueba, posibilidad de solicitar la anulación de las medidas de represalia ante el juez competente).\n- Servicios de apoyo: Apoyo psicológico y financiero.",[329,421,527,654,749,833,967,1126,1249,1333,1515,1646,1692,1786,1853,1982,2028,2094,2176,2274,2350,2509,2619,2702,3469,3540],{"metadata":330,"sys":335,"fields":347},{"tags":331,"concepts":332,"contentType":333,"slug":334},[],[],"card-with-modal","card-with-modal\u002Fchiffrement",{"space":336,"id":338,"type":16,"createdAt":339,"updatedAt":340,"environment":341,"publishedVersion":343,"revision":71,"contentType":344,"locale":28},{"sys":337},{"type":12,"linkType":13,"id":14},"67N4Vj5LVJYalKtVg7C1V5","2024-10-15T15:05:22.879Z","2026-09-16T13:26:55.425Z",{"sys":342},{"id":21,"type":12,"linkType":22},31,{"sys":345},{"type":12,"linkType":27,"id":346},"cardWithModal",{"slug":348,"title":349,"subtitle":350,"text":351,"image":405,"extended":31,"reversed":31,"backgroundColor":420,"indexed":31},"chiffrement","Cifrado","En tránsito y dos veces en reposo",{"data":352,"content":353,"nodeType":404},{},[354,363,398],{"data":355,"content":356,"nodeType":362},{},[357],{"data":358,"marks":359,"value":360,"nodeType":361},{},[],"","text","paragraph",{"data":364,"content":365,"nodeType":397},{},[366,377,387],{"data":367,"content":368,"nodeType":376},{},[369],{"data":370,"content":371,"nodeType":362},{},[372],{"data":373,"marks":374,"value":375,"nodeType":361},{},[],"Toutes les données sont chiffrées en transit TLS 1.2\u002F1.3 avec HSTS et Perfect Forward Secrecy entièrement activé) et au repos AES-256-GCM et BCrypt).","list-item",{"data":378,"content":379,"nodeType":376},{},[380],{"data":381,"content":382,"nodeType":362},{},[383],{"data":384,"marks":385,"value":386,"nodeType":361},{},[],"En supplément, Pennylane chiffre une seconde fois les données les plus sensibles avant tout hébergement au repos. L'opportunité et la nécessité de ce chiffrement, pour les nouveaux documents comme pour les anciens, sont contrôlées chaque mois, dans le cadre du programme d'audit interne centralisé.",{"data":388,"content":389,"nodeType":376},{},[390],{"data":391,"content":392,"nodeType":362},{},[393],{"data":394,"marks":395,"value":396,"nodeType":361},{},[],"Tous les fichiers de l'application sont stockés chiffrés dans des environnements versionnés. L'accès aux fichiers se fait via un lien pré-signé sécurisé, généré par le mécanisme de permissions de l'application.","unordered-list",{"data":399,"content":400,"nodeType":362},{},[401],{"data":402,"marks":403,"value":360,"nodeType":361},{},[],"document",{"metadata":406,"sys":409,"fields":419},{"tags":407,"concepts":408},[],[],{"space":410,"id":412,"type":413,"createdAt":414,"updatedAt":415,"environment":416,"publishedVersion":164,"revision":418,"locale":28},{"sys":411},{"type":12,"linkType":13,"id":14},"4MxyBLVS3HHAgfByZrMTWS","Asset","2024-10-15T15:03:12.331Z","2026-04-10T15:49:37.199Z",{"sys":417},{"id":21,"type":12,"linkType":22},2,{},"picture",{"metadata":422,"sys":426,"fields":438},{"tags":423,"concepts":424,"contentType":333,"slug":425},[],[],"card-with-modal\u002Fdeveloppement-des-apps",{"space":427,"id":429,"type":16,"createdAt":430,"updatedAt":431,"environment":432,"publishedVersion":434,"revision":435,"contentType":436,"locale":28},{"sys":428},{"type":12,"linkType":13,"id":14},"4PK2fHgpx1iUQPrViFWLMW","2024-10-22T09:05:08.841Z","2026-09-16T13:26:55.400Z",{"sys":433},{"id":21,"type":12,"linkType":22},24,7,{"sys":437},{"type":12,"linkType":27,"id":346},{"slug":439,"title":440,"subtitle":441,"text":442,"image":514,"extended":31,"reversed":31,"backgroundColor":420,"indexed":31},"developpement-des-apps","Desarrollo de aplicaciones","Control de calidad por pares y actualizaciones automáticas",{"data":443,"content":444,"nodeType":404},{},[445,508],{"data":446,"content":447,"nodeType":397},{},[448,458,468,478,488,498],{"data":449,"content":450,"nodeType":376},{},[451],{"data":452,"content":453,"nodeType":362},{},[454],{"data":455,"marks":456,"value":457,"nodeType":361},{},[],"Tous les accès et modifications du code source sont strictement contrôlés par des procédures automatiques et revus par des pairs.",{"data":459,"content":460,"nodeType":376},{},[461],{"data":462,"content":463,"nodeType":362},{},[464],{"data":465,"marks":466,"value":467,"nodeType":361},{},[],"Toutes les clés des API de la plateforme Pennylane sont chiffrées. Les clés de chiffrement des APIs sont générées par le code de l'application, interdisant toute réutilisation et effectuant une rotation régulière. L'accès est limité au besoin d'en savoir par la mise en place d'une demande de justification obligatoire. Ces accès et toutes les actions qui en découlent sont enregistrés. L'autorisation d'accès est temporaire et fait l'objet d'une déconnexion automatique à la fin du même jour.",{"data":469,"content":470,"nodeType":376},{},[471],{"data":472,"content":473,"nodeType":362},{},[474],{"data":475,"marks":476,"value":477,"nodeType":361},{},[],"Les développeurs sont techniquement obligés d'exécuter des contrôles locaux, pour vérifier si le code mis à jour\u002Fajouté est conforme aux règles en termes de sécurité, de performance et de couverture. Ces vérifications contiennent les meilleures pratiques du secteur, ainsi que des vérifications métier sur-mesure visant à détecter les comportements dangereux pour des classes de vulnérabilités spécifiques. En outre, un contrôle d'intégrité des paquets installés à distance et un contrôle du cryptage du disque du poste de travail du développeur font également partie des contrôles de sécurité.",{"data":479,"content":480,"nodeType":376},{},[481],{"data":482,"content":483,"nodeType":362},{},[484],{"data":485,"marks":486,"value":487,"nodeType":361},{},[],"Pennylane effectue, par le biais de l'intégration continue de tout nouveau code ou code modifié, une analyse statique approfondie afin de détecter et de bloquer tout style de codage dangereux ou toute utilisation de méthodes dangereuses, et demande si nécessaire la révision obligatoire d'un ingénieur de sécurité.",{"data":489,"content":490,"nodeType":376},{},[491],{"data":492,"content":493,"nodeType":362},{},[494],{"data":495,"marks":496,"value":497,"nodeType":361},{},[],"Les développeurs disposent d'une procédure formelle de développement, qui prévoit que les demandes de déploiement de code soient systématiques, examinées par des pairs, qu'elles passent les contrôles d'intégration continue et qu'elles soient exécutées sur des environnements dédiés, logiquement séparés de l’environnement de production.",{"data":499,"content":500,"nodeType":376},{},[501],{"data":502,"content":503,"nodeType":362},{},[504],{"data":505,"marks":506,"value":507,"nodeType":361},{},[],"Les dépendances externes des applications Pennylane sont automatiquement mises à jour par un programme dédié et régulièrement validées par les développeurs. Ce processus est continuellement audité par une équipe dédiée à la sécurité des applications.",{"data":509,"content":510,"nodeType":362},{},[511],{"data":512,"marks":513,"value":360,"nodeType":361},{},[],{"metadata":515,"sys":518,"fields":526},{"tags":516,"concepts":517},[],[],{"space":519,"id":521,"type":413,"createdAt":522,"updatedAt":523,"environment":524,"publishedVersion":217,"revision":146,"locale":28},{"sys":520},{"type":12,"linkType":13,"id":14},"7Fcg8wdVJgXGppd5DfiTSn","2024-10-16T09:41:43.252Z","2026-04-13T12:38:56.663Z",{"sys":525},{"id":21,"type":12,"linkType":22},{},{"metadata":528,"sys":532,"fields":542},{"tags":529,"concepts":530,"contentType":333,"slug":531},[],[],"card-with-modal\u002Fhebergement",{"space":533,"id":535,"type":16,"createdAt":536,"updatedAt":537,"environment":538,"publishedVersion":145,"revision":71,"contentType":540,"locale":28},{"sys":534},{"type":12,"linkType":13,"id":14},"5NxZgPO5Cz3k0eXjT9vgC","2024-10-15T15:33:55.776Z","2026-09-16T13:26:55.374Z",{"sys":539},{"id":21,"type":12,"linkType":22},{"sys":541},{"type":12,"linkType":27,"id":346},{"slug":543,"title":544,"subtitle":545,"text":546,"image":641,"extended":31,"reversed":31,"backgroundColor":420,"indexed":31},"hebergement","Alojamiento y copias de seguridad","AWS en Irlanda, disponibilidad permanente y copia de seguridad continua",{"data":547,"content":548,"nodeType":404},{},[549,635],{"data":550,"content":551,"nodeType":397},{},[552,562,572,582,625],{"data":553,"content":554,"nodeType":376},{},[555],{"data":556,"content":557,"nodeType":362},{},[558],{"data":559,"marks":560,"value":561,"nodeType":361},{},[],"Toutes les données, y compris les sauvegardes, sont stockées en Irlande par Amazon Web Services, dans le respect des normes ISO 27001 et SOC2, entre autres certifications.",{"data":563,"content":564,"nodeType":376},{},[565],{"data":566,"content":567,"nodeType":362},{},[568],{"data":569,"marks":570,"value":571,"nodeType":361},{},[],"Toutes les données sont continuellement répliquées en temps réel sur des serveurs AWS secondaires distants du primaire, avec un système automatique permettant de basculer en quelques secondes sur un nouveau serveur en cas de panne.",{"data":573,"content":574,"nodeType":376},{},[575],{"data":576,"content":577,"nodeType":362},{},[578],{"data":579,"marks":580,"value":581,"nodeType":361},{},[],"Toutes les données sont sauvegardées en permanence, ce qui permet de restaurer à tout moment des données datant d'au moins 5 minutes. Le temps de récupération d'une sauvegarde est de 1 heure. Le processus de récupération complète est vérifié deux fois par an pour en améliorer les performances.",{"data":583,"content":584,"nodeType":376},{},[585,592],{"data":586,"content":587,"nodeType":362},{},[588],{"data":589,"marks":590,"value":591,"nodeType":361},{},[],"Pennylane maintient un ensemble de plans de gestion des incidents documentés, avec des responsables et des procédures claires, en fonction de la gravité et de l'impact de l'incident, afin de garantir la performance de ses employés et de ses systèmes pour la continuité des activités : ",{"data":593,"content":594,"nodeType":397},{},[595,605,615],{"data":596,"content":597,"nodeType":376},{},[598],{"data":599,"content":600,"nodeType":362},{},[601],{"data":602,"marks":603,"value":604,"nodeType":361},{},[],"Information Security Incident and Fraud Management Procedure",{"data":606,"content":607,"nodeType":376},{},[608],{"data":609,"content":610,"nodeType":362},{},[611],{"data":612,"marks":613,"value":614,"nodeType":361},{},[],"Data Breach Response Procedure",{"data":616,"content":617,"nodeType":376},{},[618],{"data":619,"content":620,"nodeType":362},{},[621],{"data":622,"marks":623,"value":624,"nodeType":361},{},[],"Incident Response Plan PCA \u002F PRA",{"data":626,"content":627,"nodeType":376},{},[628],{"data":629,"content":630,"nodeType":362},{},[631],{"data":632,"marks":633,"value":634,"nodeType":361},{},[],"Pennylane ne dépend d'aucun local physique pour la continuité de ses services, s'appuyant entièrement sur des fournisseurs de services de premier plan pour les serveurs, l'hébergement et la gestion de l'infrastructure, services offrant une extensibilité, une disponibilité des données, une sécurité et des performances de premier plan, ainsi que des plans de continuité des activités documentés.",{"data":636,"content":637,"nodeType":362},{},[638],{"data":639,"marks":640,"value":360,"nodeType":361},{},[],{"metadata":642,"sys":645,"fields":653},{"tags":643,"concepts":644},[],[],{"space":646,"id":648,"type":413,"createdAt":649,"updatedAt":650,"environment":651,"publishedVersion":435,"revision":418,"locale":28},{"sys":647},{"type":12,"linkType":13,"id":14},"61d6nGdd8QYZrzIFWTYPyQ","2024-10-15T15:35:08.386Z","2025-11-13T15:40:29.052Z",{"sys":652},{"id":21,"type":12,"linkType":22},{},{"metadata":655,"sys":659,"fields":670},{"tags":656,"concepts":657,"contentType":333,"slug":658},[],[],"card-with-modal\u002Fpdp",{"space":660,"id":662,"type":16,"createdAt":663,"updatedAt":664,"environment":665,"publishedVersion":667,"revision":24,"contentType":668,"locale":28},{"sys":661},{"type":12,"linkType":13,"id":14},"3TXYBkPK4X4dZU9bhgLKEB","2025-09-10T14:18:27.338Z","2026-09-16T13:26:55.340Z",{"sys":666},{"id":21,"type":12,"linkType":22},53,{"sys":669},{"type":12,"linkType":27,"id":346},{"slug":671,"title":672,"subtitle":673,"text":674,"image":736,"extended":31,"reversed":31,"backgroundColor":420,"indexed":31},"pdp","Alojamiento de la Plataforma Homologada (ex-PDP)","3DS Outscale en Francia, alojamiento cualificado SecNumCloud 3.2",{"data":675,"content":676,"nodeType":404},{},[677,730],{"data":678,"content":679,"nodeType":397},{},[680,690,700,710,720],{"data":681,"content":682,"nodeType":376},{},[683],{"data":684,"content":685,"nodeType":362},{},[686],{"data":687,"marks":688,"value":689,"nodeType":361},{},[],"Todos los datos relacionados con el marco de la facturación electrónica (Plataforma Homologada, PA, ex-PDP, Plataforma de Desmaterialización Asociada) en Francia están alojados en la infraestructura de Scalingo, que se apoya en su proveedor de alojamiento 3DS Outscale (filial de Dassault Systèmes), certificado ISO 27001 y cualificado SecNumCloud 3.2, entre otras certificaciones.",{"data":691,"content":692,"nodeType":376},{},[693],{"data":694,"content":695,"nodeType":362},{},[696],{"data":697,"marks":698,"value":699,"nodeType":361},{},[],"Toutes les données et bases de données hébergées de la PA sont sauvegardées quotidiennement, les sauvegardes étant chiffrées au repos et stockées dans trois zones de disponibilité indépendantes au sein de la région certifiée SecNumCloud. ",{"data":701,"content":702,"nodeType":376},{},[703],{"data":704,"content":705,"nodeType":362},{},[706],{"data":707,"marks":708,"value":709,"nodeType":361},{},[],"La restauration à un instant précis (Point-in-Time Recovery, PITR) permet une restauration à n'importe quel point des 7 derniers jours, avec une perte de données maximale de 5 minutes. ",{"data":711,"content":712,"nodeType":376},{},[713],{"data":714,"content":715,"nodeType":362},{},[716],{"data":717,"marks":718,"value":719,"nodeType":361},{},[],"Les politiques de rétention garantissent la disponibilité de sauvegardes quotidiennes, hebdomadaires et mensuelles, et la restauration des sauvegardes est testée au moins deux fois par an (RTO : 1 heure). ",{"data":721,"content":722,"nodeType":376},{},[723],{"data":724,"content":725,"nodeType":362},{},[726],{"data":727,"marks":728,"value":729,"nodeType":361},{},[],"Todas las medidas de copia de seguridad y recuperación ante desastres cumplen con los requisitos de ANSSI SecNumCloud.",{"data":731,"content":732,"nodeType":362},{},[733],{"data":734,"marks":735,"value":360,"nodeType":361},{},[],{"metadata":737,"sys":740,"fields":748},{"tags":738,"concepts":739},[],[],{"space":741,"id":743,"type":413,"createdAt":744,"updatedAt":745,"environment":746,"publishedVersion":435,"revision":418,"locale":28},{"sys":742},{"type":12,"linkType":13,"id":14},"2zynN6HIFYuwO1WtQNoMiO","2025-02-04T14:40:25.907Z","2026-04-10T15:47:59.929Z",{"sys":747},{"id":21,"type":12,"linkType":22},{},{"metadata":750,"sys":754,"fields":766},{"tags":751,"concepts":752,"contentType":333,"slug":753},[],[],"card-with-modal\u002Fransomware",{"space":755,"id":757,"type":16,"createdAt":758,"updatedAt":759,"environment":760,"publishedVersion":762,"revision":763,"contentType":764,"locale":28},{"sys":756},{"type":12,"linkType":13,"id":14},"1B53iArw0svz687Hpxgg7U","2024-10-15T15:37:52.765Z","2026-09-16T13:26:55.298Z",{"sys":761},{"id":21,"type":12,"linkType":22},28,9,{"sys":765},{"type":12,"linkType":27,"id":346},{"slug":767,"title":768,"subtitle":769,"text":770,"image":819,"extended":31,"reversed":31,"backgroundColor":832,"indexed":31},"ransomware","Riesgo frente a ransomware","Pennylane es capaz de detectar un ataque, analizarlo y, en caso de compromiso parcial o total de datos, volver a un estado anterior y eliminar cualquier artefacto de toma de control.",{"data":771,"content":772,"nodeType":404},{},[773,780,813],{"data":774,"content":775,"nodeType":362},{},[776],{"data":777,"marks":778,"value":779,"nodeType":361},{},[],"Pennylane est capable de détecter une attaque, de l’analyser, et en cas de compromission partielle ou totale de données, de revenir à un état précédent et de supprimer tout artéfact de prise de contrôle. Pour cela nous nous appuyons sur :",{"data":781,"content":782,"nodeType":397},{},[783,793,803],{"data":784,"content":785,"nodeType":376},{},[786],{"data":787,"content":788,"nodeType":362},{},[789],{"data":790,"marks":791,"value":792,"nodeType":361},{},[],"une sauvegarde continue des données (chiffrée, auditée, testée), ce qui permet de restaurer à tout moment des données datant d'au moins 15 minutes et d’au plus 30 jours. Le temps de récupération d'une sauvegarde est de 1 heure. Le processus de récupération complète est vérifié deux fois par an pour en améliorer les performances ;",{"data":794,"content":795,"nodeType":376},{},[796],{"data":797,"content":798,"nodeType":362},{},[799],{"data":800,"marks":801,"value":802,"nodeType":361},{},[],"une Infrastructure as a Code (IaaC), permettant de redéployer l’infrastructure complète de l’application ;",{"data":804,"content":805,"nodeType":376},{},[806],{"data":807,"content":808,"nodeType":362},{},[809],{"data":810,"marks":811,"value":812,"nodeType":361},{},[],"une redondance de l’hébergement dans 2 data center secondaires, séparés géographiquement du serveur principal, avec failover automatique en quelques secondes vers un serveur secondaire en cas d’incident.",{"data":814,"content":815,"nodeType":362},{},[816],{"data":817,"marks":818,"value":360,"nodeType":361},{},[],{"metadata":820,"sys":823,"fields":831},{"tags":821,"concepts":822},[],[],{"space":824,"id":826,"type":413,"createdAt":827,"updatedAt":828,"environment":829,"publishedVersion":763,"revision":418,"locale":28},{"sys":825},{"type":12,"linkType":13,"id":14},"4gonUpEfsZ03OVI5k4XBTD","2024-10-15T15:37:03.923Z","2026-04-10T15:47:06.186Z",{"sys":830},{"id":21,"type":12,"linkType":22},{},"light-green",{"metadata":834,"sys":838,"fields":848},{"tags":835,"concepts":836,"contentType":333,"slug":837},[],[],"card-with-modal\u002Fsecurite-humaine-intenre",{"space":839,"id":841,"type":16,"createdAt":842,"updatedAt":843,"environment":844,"publishedVersion":91,"revision":24,"contentType":846,"locale":28},{"sys":840},{"type":12,"linkType":13,"id":14},"7vLRiSBUu2GdiuzBmFVjaY","2024-10-22T09:08:32.669Z","2026-09-16T13:26:55.262Z",{"sys":845},{"id":21,"type":12,"linkType":22},{"sys":847},{"type":12,"linkType":27,"id":346},{"slug":849,"title":850,"subtitle":851,"text":852,"image":954,"extended":31,"reversed":31,"backgroundColor":420,"indexed":31},"securite-humaine-intenre","Seguridad humana e interna","Formación continua, políticas centralizadas y control de proveedores",{"data":853,"content":854,"nodeType":404},{},[855,948],{"data":856,"content":857,"nodeType":397},{},[858,868,878,888,898,908,918,928,938],{"data":859,"content":860,"nodeType":376},{},[861],{"data":862,"content":863,"nodeType":362},{},[864],{"data":865,"marks":866,"value":867,"nodeType":361},{},[],"Pennylane dispose d'une équipe de sécurité dédiée et d'une équipe juridique dédiée, toutes deux référant au Comité Exécutif.",{"data":869,"content":870,"nodeType":376},{},[871],{"data":872,"content":873,"nodeType":362},{},[874],{"data":875,"marks":876,"value":877,"nodeType":361},{},[],"Tous les collaborateurs sont formés au règlement interne sur la confidentialité et la sécurité au moins une fois par an, y compris sur les procédures de signalement des incidents de sécurité. Pennylane réalise en permanence des campagnes de phishing pour former tous les employés. Tous les employés sont tenus de travailler dans le cadre de clauses strictes de confidentialité et de non-divulgation.",{"data":879,"content":880,"nodeType":376},{},[881],{"data":882,"content":883,"nodeType":362},{},[884],{"data":885,"marks":886,"value":887,"nodeType":361},{},[],"Tous les collaborateurs sont tenus de suivre un règlement interne global sur les règles et les meilleures pratiques quotidiennes en matière de sécurité et de confidentialité. Ce règlement prévoit notamment les règles de télétravail, d'utilisation des données, d'utilisation et d'acquisition de logiciels, de messagerie et de classification des informations, etc.",{"data":889,"content":890,"nodeType":376},{},[891],{"data":892,"content":893,"nodeType":362},{},[894],{"data":895,"marks":896,"value":897,"nodeType":361},{},[],"L'accès aux locaux de Pennylane nécessite une identification individuelle 24\u002F7\u002F365, à une réception gardée au rez-de-chaussée, comme à chaque étage. Tous les visiteurs doivent s’enregistrer et être accompagnés en permanence. Les locaux sont surveillés 24\u002F7\u002F365 par un système de vidéosurveillance, avec des capacités d'alarme en dehors des heures d’ouverture.",{"data":899,"content":900,"nodeType":376},{},[901],{"data":902,"content":903,"nodeType":362},{},[904],{"data":905,"marks":906,"value":907,"nodeType":361},{},[],"Tous les appareils sont administrés de manière centralisée par des politiques strictes garantissant le cryptage des disques, l'activation du pare-feu, le verrouillage automatique de l'écran, la qualité et la rotation des mots de passe, la protection contre les logiciels malveillants, les mises à jour, le verrouillage et l’effacement des appareils à distance.",{"data":909,"content":910,"nodeType":376},{},[911],{"data":912,"content":913,"nodeType":362},{},[914],{"data":915,"marks":916,"value":917,"nodeType":361},{},[],"Tous les appareils utilisent un logiciel de détection et de réponse EDR, pour vérifier la conformité, contrer les logiciels malveillants, détecter et bloquer des menaces spécifiques.",{"data":919,"content":920,"nodeType":376},{},[921],{"data":922,"content":923,"nodeType":362},{},[924],{"data":925,"marks":926,"value":927,"nodeType":361},{},[],"Tous les périphériques externes de stockage sont interdits et bloqués par défaut.",{"data":929,"content":930,"nodeType":376},{},[931],{"data":932,"content":933,"nodeType":362},{},[934],{"data":935,"marks":936,"value":937,"nodeType":361},{},[],"Pennylane suit une procédure de validation des achats de tous les fournisseurs (outils logiciels, comme professionnels externes travaillant sur les données), incluant une validation conjointe obligatoire de sécurité, juridique et financière.",{"data":939,"content":940,"nodeType":376},{},[941],{"data":942,"content":943,"nodeType":362},{},[944],{"data":945,"marks":946,"value":947,"nodeType":361},{},[],"Des dispositions contractuelles spécifiques, dans la mesure du possible, permettent à Pennylane de vérifier la continuité et l’efficacité des politiques et des contrôles de sécurité de ses fournisseurs, notamment en ce qui concerne la confidentialité, les accords de niveau de service, la réglementation interne et les mesures de sécurité, les évolutions légales, les obligations en matière de réglementation de la confidentialité des données.",{"data":949,"content":950,"nodeType":362},{},[951],{"data":952,"marks":953,"value":360,"nodeType":361},{},[],{"metadata":955,"sys":958,"fields":966},{"tags":956,"concepts":957},[],[],{"space":959,"id":961,"type":413,"createdAt":962,"updatedAt":963,"environment":964,"publishedVersion":763,"revision":418,"locale":28},{"sys":960},{"type":12,"linkType":13,"id":14},"5Wc3fB06HIlBr3RbnJ9pCQ","2024-10-22T09:08:22.533Z","2026-04-10T15:45:39.473Z",{"sys":965},{"id":21,"type":12,"linkType":22},{},{"metadata":968,"sys":979,"fields":990},{"tags":969,"concepts":977,"contentType":333,"slug":978},[970,974],{"sys":971},{"type":12,"linkType":972,"id":973},"Tag","trustCenter",{"sys":975},{"type":12,"linkType":972,"id":976},"trustCenterSecurity",[],"card-with-modal\u002Fbank-security",{"space":980,"id":982,"type":16,"createdAt":983,"updatedAt":984,"environment":985,"publishedVersion":145,"revision":987,"contentType":988,"locale":28},{"sys":981},{"type":12,"linkType":13,"id":14},"3iUGRTeYTy4aEqAbWGJcWB","2024-10-15T07:25:55.973Z","2026-09-16T13:26:55.227Z",{"sys":986},{"id":21,"type":12,"linkType":22},12,{"sys":989},{"type":12,"linkType":27,"id":346},{"slug":991,"title":992,"subtitle":993,"text":994,"image":1113,"extended":31,"backgroundColor":832,"indexed":31},"bank-security","Seguridad bancaria","Pennylane permite una sincronización segura con las cuentas bancarias de los usuarios mediante varios métodos, adaptados a las especificidades de cada banco.",{"data":995,"content":996,"nodeType":404},{},[997,1004,1037,1044,1051,1058,1107],{"data":998,"content":999,"nodeType":362},{},[1000],{"data":1001,"marks":1002,"value":1003,"nodeType":361},{},[],"Pennylane permet une synchronisation sécurisée aux comptes bancaires des utilisateurs en utilisant plusieurs méthodes, adaptées aux spécificités de chaque banque : ",{"data":1005,"content":1006,"nodeType":397},{},[1007,1017,1027],{"data":1008,"content":1009,"nodeType":376},{},[1010],{"data":1011,"content":1012,"nodeType":362},{},[1013],{"data":1014,"marks":1015,"value":1016,"nodeType":361},{},[],"via le protocole EBICS (Electronic Banking Internet Communication Standard), un protocole de communication sécurisé qui permet l’échange de fichiers entre un client et ses différentes banques.",{"data":1018,"content":1019,"nodeType":376},{},[1020],{"data":1021,"content":1022,"nodeType":362},{},[1023],{"data":1024,"marks":1025,"value":1026,"nodeType":361},{},[],"a través de agregadores de terceros registrados en la ACPR y líderes reconocidos en el sector del open-banking francés.",{"data":1028,"content":1029,"nodeType":376},{},[1030],{"data":1031,"content":1032,"nodeType":362},{},[1033],{"data":1034,"marks":1035,"value":1036,"nodeType":361},{},[],"directement en se connectant aux API natives DSP2 des gestionnaires de compte en utilisant notre enregistrement de Prestataire de Service d’Information sur les Comptes auprès de l’ACPR.",{"data":1038,"content":1039,"nodeType":362},{},[1040],{"data":1041,"marks":1042,"value":1043,"nodeType":361},{},[],"El canal utilizado depende en la práctica del banco conectado.",{"data":1045,"content":1046,"nodeType":362},{},[1047],{"data":1048,"marks":1049,"value":1050,"nodeType":361},{},[],"\n",{"data":1052,"content":1053,"nodeType":362},{},[1054],{"data":1055,"marks":1056,"value":1057,"nodeType":361},{},[],"En el caso de que utilice un agregador de terceros, nuestros socios son: ",{"data":1059,"content":1060,"nodeType":397},{},[1061,1086],{"data":1062,"content":1063,"nodeType":376},{},[1064],{"data":1065,"content":1066,"nodeType":362},{},[1067,1071,1082],{"data":1068,"marks":1069,"value":1070,"nodeType":361},{},[],"Powens, agrégateur conforme à la directive DSP2 et disposant d’un agrément ACPR en tant qu’établissement de paiement. Les informations relatives à la sécurité, conformité et accréditations sont disponibles ",{"data":1072,"content":1074,"nodeType":1081},{"uri":1073},"https:\u002F\u002Fwww.powens.com\u002Ffr\u002Fsecurity-compliance\u002F",[1075],{"data":1076,"marks":1077,"value":1080,"nodeType":361},{},[1078],{"type":1079},"underline","en el sitio del socio","hyperlink",{"data":1083,"marks":1084,"value":1085,"nodeType":361},{},[],".",{"data":1087,"content":1088,"nodeType":376},{},[1089],{"data":1090,"content":1091,"nodeType":362},{},[1092,1096,1104],{"data":1093,"marks":1094,"value":1095,"nodeType":361},{},[],"Bridge, agrégateur conforme à la directive DSP2 et disposant d’un agrément ACPR en tant qu’établissement de paiement. Les informations relatives à la sécurité, conformité et accréditations sont disponibles ",{"data":1097,"content":1099,"nodeType":1081},{"uri":1098},"https:\u002F\u002Fbridgeapi.io\u002Fbridge-aggregation\u002F",[1100],{"data":1101,"marks":1102,"value":1080,"nodeType":361},{},[1103],{"type":1079},{"data":1105,"marks":1106,"value":1085,"nodeType":361},{},[],{"data":1108,"content":1109,"nodeType":362},{},[1110],{"data":1111,"marks":1112,"value":1050,"nodeType":361},{},[],{"metadata":1114,"sys":1117,"fields":1125},{"tags":1115,"concepts":1116},[],[],{"space":1118,"id":1120,"type":413,"createdAt":1121,"updatedAt":1122,"environment":1123,"publishedVersion":435,"revision":418,"locale":28},{"sys":1119},{"type":12,"linkType":13,"id":14},"5cZc0rDDavEm3RcK9XrwBR","2024-10-15T12:44:44.656Z","2026-01-20T16:37:22.716Z",{"sys":1124},{"id":21,"type":12,"linkType":22},{},{"metadata":1127,"sys":1135,"fields":1145},{"tags":1128,"concepts":1133,"contentType":333,"slug":1134},[1129,1131],{"sys":1130},{"type":12,"linkType":972,"id":973},{"sys":1132},{"type":12,"linkType":972,"id":976},[],"card-with-modal\u002Fhebergement-donnees",{"space":1136,"id":1138,"type":16,"createdAt":1139,"updatedAt":1140,"environment":1141,"publishedVersion":49,"revision":24,"contentType":1143,"locale":28},{"sys":1137},{"type":12,"linkType":13,"id":14},"Sc6PPvHEinxkVWsZnR7Wv","2025-02-07T14:40:07.237Z","2026-09-16T13:26:55.190Z",{"sys":1142},{"id":21,"type":12,"linkType":22},{"sys":1144},{"type":12,"linkType":27,"id":346},{"slug":1146,"title":1147,"subtitle":1148,"text":1149,"image":1238,"extended":31,"reversed":31,"backgroundColor":1248,"indexed":31},"hebergement-donnees","Alojamiento de sus datos","Nuestros servidores están alojados en la Unión Europea (Irlanda). La seguridad física de los servidores está garantizada por el proveedor AWS.",{"data":1150,"content":1151,"nodeType":404},{},[1152,1159,1172,1201,1213,1232],{"data":1153,"content":1154,"nodeType":362},{},[1155],{"data":1156,"marks":1157,"value":1158,"nodeType":361},{},[],"Nos serveurs sont hébergés dans l’Union européenne (Irlande). La sécurité physique des serveurs est assurée par le prestataire AWS.",{"data":1160,"content":1161,"nodeType":362},{},[1162,1166],{"data":1163,"marks":1164,"value":1165,"nodeType":361},{},[],"AWS n’a pas le droit de divulguer des informations sur ses clients. Seule exception, lorsqu’une administration américaine dispose d’un mandat délivré par un tribunal américain, elle peut demander à AWS de lui envoyer certaines informations stockées sur ses serveurs. Mais AWS va d’abord demander au gouvernement de contacter Pennylane pour obtenir les données demandées directement, et va laisser le temps nécessaire à Pennylane pour répondre elle-même à cette demande (par ex la bloquer par une ordonnance préventive d’un tribunal français). => ",{"data":1167,"marks":1168,"value":1171,"nodeType":361},{},[1169],{"type":1170},"bold","Dans l’immense majorité des cas, c’est donc Pennylane qui divulguera ces informations, avec l’autorisation de ses clients, dans le cadre d’une enquête criminelle pour fournir les preuves à l’administration judiciaire, et si autorisé par un tribunal français.",{"data":1173,"content":1174,"nodeType":362},{},[1175,1179,1192,1196],{"data":1176,"marks":1177,"value":1178,"nodeType":361},{},[],"AWS impugna sistemáticamente las órdenes inapropiadas o las que tienen un alcance demasiado amplio (ver",{"data":1180,"content":1182,"nodeType":1081},{"uri":1181},"https:\u002F\u002Faws.amazon.com\u002Ffr\u002Fcompliance\u002Famazon-information-requests\u002F",[1183,1187],{"data":1184,"marks":1185,"value":1186,"nodeType":361},{},[]," ",{"data":1188,"marks":1189,"value":1191,"nodeType":361},{},[1190],{"type":1079},"aquí",{"data":1193,"marks":1194,"value":1195,"nodeType":361},{},[]," pour plus d’infos). => ",{"data":1197,"marks":1198,"value":1200,"nodeType":361},{},[1199],{"type":1170},"Si l’on regarde les rapports de transparence d’AWS de ces dernières années, aucune requête du gouvernement américain n’a résulté dans la divulgation au gouvernement d’informations appartenant à des entreprises étrangères contenues dans ses serveurs.",{"data":1202,"content":1203,"nodeType":362},{},[1204,1208],{"data":1205,"marks":1206,"value":1207,"nodeType":361},{},[],"Pour ajouter un niveau supplémentaire de protection des données de ses clients, Pennylane chiffre l’intégralité des données de ses clients en transit et au repos en utilisant un protocole de chiffrement parmi les plus reconnus et sécurisés. En plus de cela, les données sensibles de la base de données (comme les données d’authentification) sont chiffrées avant même d’être stockées dans les serveurs AWS. ",{"data":1209,"marks":1210,"value":1212,"nodeType":361},{},[1211],{"type":1170},"Estos datos se benefician por tanto de dos capas de cifrado.",{"data":1214,"content":1215,"nodeType":362},{},[1216,1220,1229],{"data":1217,"marks":1218,"value":1219,"nodeType":361},{},[],"Encontrará todos los detalles sobre las medidas de cifrado en nuestra ",{"data":1221,"content":1223,"nodeType":1081},{"uri":1222},"\u002Ffr\u002Fsecurite",[1224],{"data":1225,"marks":1226,"value":1228,"nodeType":361},{},[1227],{"type":1079},"página dedicada a la Seguridad",{"data":1230,"marks":1231,"value":1085,"nodeType":361},{},[],{"data":1233,"content":1234,"nodeType":362},{},[1235],{"data":1236,"marks":1237,"value":1050,"nodeType":361},{},[],{"metadata":1239,"sys":1242,"fields":1247},{"tags":1240,"concepts":1241},[],[],{"space":1243,"id":648,"type":413,"createdAt":649,"updatedAt":650,"environment":1245,"publishedVersion":435,"revision":418,"locale":28},{"sys":1244},{"type":12,"linkType":13,"id":14},{"sys":1246},{"id":21,"type":12,"linkType":22},{},"green",{"metadata":1250,"sys":1258,"fields":1268},{"tags":1251,"concepts":1256,"contentType":333,"slug":1257},[1252,1254],{"sys":1253},{"type":12,"linkType":972,"id":973},{"sys":1255},{"type":12,"linkType":972,"id":976},[],"card-with-modal\u002Finfrastructure-securisee",{"space":1259,"id":1261,"type":16,"createdAt":1262,"updatedAt":1263,"environment":1264,"publishedVersion":762,"revision":164,"contentType":1266,"locale":28},{"sys":1260},{"type":12,"linkType":13,"id":14},"3YXzAoZVQ0hl1EPBNkRf7f","2024-10-15T14:26:04.718Z","2026-09-16T13:26:55.154Z",{"sys":1265},{"id":21,"type":12,"linkType":22},{"sys":1267},{"type":12,"linkType":27,"id":346},{"slug":1269,"title":1270,"subtitle":1271,"text":1272,"image":1320,"extended":31,"backgroundColor":420,"indexed":31},"infrastructure-securisee","Infraestructura segura","Pennylane se apoya en proveedores de servicios líderes del sector para la gestión de servidores, alojamiento e infraestructuras. La aplicación Pennylane, el sitio web y los datos procesados por la aplicación están alojados por un proveedor de cloud externo (Amazon Web Services).",{"data":1273,"content":1274,"nodeType":404},{},[1275,1282,1289,1296,1313],{"data":1276,"content":1277,"nodeType":362},{},[1278],{"data":1279,"marks":1280,"value":1281,"nodeType":361},{},[],"Pennylane s'appuie sur des fournisseurs de services leaders du secteur pour la gestion des serveurs, de l'hébergement et des infrastructures. L'application Pennylane, le site web et les données traitées par l’application sont hébergés par un fournisseur de cloud externe (Amazon Web Services). Les serveurs utilisés sont localisés en Irlande (Union Européenne). Ces services d'hébergement offrent une évolutivité, une disponibilité des données, une sécurité et des performances à la pointe du secteur, avec un plan de continuité des activités documenté testé au moins annuellement.",{"data":1283,"content":1284,"nodeType":362},{},[1285],{"data":1286,"marks":1287,"value":1288,"nodeType":361},{},[],"AWS est certifié par les principales normes internationales, dont ISO 27001 et SOC 2, et est audité chaque année par un organisme indépendant. Ses centres de données bénéficient d'une sécurité physique 24\u002F7 et de mesures de protection parmi les plus avancées au monde. La sécurité de nos centres de données est donc assurée par les meilleurs professionnels de l’infrastructure du marché. Cela  nous permet d’avoir accès à des niveaux de sécurité et de qualité de service sur lesquels notre application peut s’appuyer en toute fiabilité.",{"data":1290,"content":1291,"nodeType":362},{},[1292],{"data":1293,"marks":1294,"value":1295,"nodeType":361},{},[],"Por otro lado, todos los sistemas de producción clave están respaldados y mantienen redundancia. Este servicio de copia de seguridad es proporcionado por AWS y se encuentra físicamente en los servidores AWS situados en Irlanda, en una zona de disponibilidad diferente a la del servidor primario en caso de daño físico del centro de datos.",{"data":1297,"content":1298,"nodeType":362},{},[1299,1303,1310],{"data":1300,"marks":1301,"value":1302,"nodeType":361},{},[],"Encontrará todos los detalles sobre nuestra infraestructura segura en ",{"data":1304,"content":1305,"nodeType":1081},{"uri":1222},[1306],{"data":1307,"marks":1308,"value":1309,"nodeType":361},{},[],"nuestra página dedicada a la Seguridad",{"data":1311,"marks":1312,"value":1085,"nodeType":361},{},[],{"data":1314,"content":1315,"nodeType":362},{},[1316],{"data":1317,"marks":1318,"value":1319,"nodeType":361},{},[],"En el marco de la reforma de la factura electrónica, Pennylane desarrolla su propia Plataforma de Desmaterialización Asociada (PDP), alojada en Francia. Para obtener más información al respecto, puede consultar la sección Factura electrónica.",{"metadata":1321,"sys":1324,"fields":1332},{"tags":1322,"concepts":1323},[],[],{"space":1325,"id":1327,"type":413,"createdAt":1328,"updatedAt":1329,"environment":1330,"publishedVersion":435,"revision":418,"locale":28},{"sys":1326},{"type":12,"linkType":13,"id":14},"A1RULqOEYj7fVC99sv1Fk","2024-10-15T14:26:00.468Z","2026-01-20T16:37:57.312Z",{"sys":1331},{"id":21,"type":12,"linkType":22},{},{"metadata":1334,"sys":1343,"fields":1354},{"tags":1335,"concepts":1341,"contentType":333,"slug":1342},[1336,1338],{"sys":1337},{"type":12,"linkType":972,"id":973},{"sys":1339},{"type":12,"linkType":972,"id":1340},"trustCenterIa",[],"card-with-modal\u002Fcomptasistant",{"space":1344,"id":1346,"type":16,"createdAt":1347,"updatedAt":1348,"environment":1349,"publishedVersion":1351,"revision":50,"contentType":1352,"locale":28},{"sys":1345},{"type":12,"linkType":13,"id":14},"6SQ6QfMJtC2B7bdeLat2uX","2024-10-16T10:10:59.791Z","2026-09-16T13:26:55.114Z",{"sys":1350},{"id":21,"type":12,"linkType":22},18,{"sys":1353},{"type":12,"linkType":27,"id":346},{"slug":1355,"title":1356,"subtitle":1357,"text":1358,"image":1502,"extended":31,"reversed":31,"backgroundColor":1248,"indexed":31},"comptasistant","Comptassistant","Comptassistant es una interfaz conversacional (chatbot) que le permite formular preguntas sobre los siguientes temas...",{"data":1359,"content":1360,"nodeType":404},{},[1361,1368,1391,1397,1404,1410,1417,1440,1446,1453,1476,1483,1489,1496],{"data":1362,"content":1363,"nodeType":362},{},[1364],{"data":1365,"marks":1366,"value":1367,"nodeType":361},{},[],"Comptassistant est une interface conversationnelle (un chatbot) qui vous permet de poser vos questions sur les thématiques suivantes : ",{"data":1369,"content":1370,"nodeType":397},{},[1371,1381],{"data":1372,"content":1373,"nodeType":376},{},[1374],{"data":1375,"content":1376,"nodeType":362},{},[1377],{"data":1378,"marks":1379,"value":1380,"nodeType":361},{},[],"las normas contables ",{"data":1382,"content":1383,"nodeType":376},{},[1384],{"data":1385,"content":1386,"nodeType":362},{},[1387],{"data":1388,"marks":1389,"value":1390,"nodeType":361},{},[],"l’utilisation de Pennylane",{"data":1392,"content":1393,"nodeType":362},{},[1394],{"data":1395,"marks":1396,"value":1050,"nodeType":361},{},[],{"data":1398,"content":1399,"nodeType":362},{},[1400],{"data":1401,"marks":1402,"value":1403,"nodeType":361},{},[],"Pour vous assurer une fiabilité des données de sortie et limiter les risques d’hallucination ou de résultat non pertinent, nous avons décidé de ne sélectionner que des sources fiables via une technologie de RAG (Retrieval Augmented Generation). Le Retrieval Augmented Generation (RAG) est une technique qui combine la recherche d'informations dans des sources identifiées et la génération de langage naturel par une intelligence artificielle (IA) pour produire des réponses plus précises et informatives. Cela permet d’améliorer la précision des réponses apportées, de réduire significative le risque d’hallucination (lorsque les réponses générées  semblent correctes mais sont factuellement incorrectes). ",{"data":1405,"content":1406,"nodeType":362},{},[1407],{"data":1408,"marks":1409,"value":1050,"nodeType":361},{},[],{"data":1411,"content":1412,"nodeType":362},{},[1413],{"data":1414,"marks":1415,"value":1416,"nodeType":361},{},[],"Lorsque vous interrogez Comptassistant sur les règles comptables, les sources utilisées sont : ",{"data":1418,"content":1419,"nodeType":397},{},[1420,1430],{"data":1421,"content":1422,"nodeType":376},{},[1423],{"data":1424,"content":1425,"nodeType":362},{},[1426],{"data":1427,"marks":1428,"value":1429,"nodeType":361},{},[],"el Plan General Contable; ",{"data":1431,"content":1432,"nodeType":376},{},[1433],{"data":1434,"content":1435,"nodeType":362},{},[1436],{"data":1437,"marks":1438,"value":1439,"nodeType":361},{},[],"el Bofip. ",{"data":1441,"content":1442,"nodeType":362},{},[1443],{"data":1444,"marks":1445,"value":1050,"nodeType":361},{},[],{"data":1447,"content":1448,"nodeType":362},{},[1449],{"data":1450,"marks":1451,"value":1452,"nodeType":361},{},[],"Lorsque vous interrogez Comptassistant sur l’utilisation de Pennylane, les sources utilisées sont : ",{"data":1454,"content":1455,"nodeType":397},{},[1456,1466],{"data":1457,"content":1458,"nodeType":376},{},[1459],{"data":1460,"content":1461,"nodeType":362},{},[1462],{"data":1463,"marks":1464,"value":1465,"nodeType":361},{},[],"el contenido de nuestro centro de ayuda, y",{"data":1467,"content":1468,"nodeType":376},{},[1469],{"data":1470,"content":1471,"nodeType":362},{},[1472],{"data":1473,"marks":1474,"value":1475,"nodeType":361},{},[],"l’historique de conversations de l’équipe support de Pennylane. Dans ce cadre, nous avons préalablement anonymisé les conversations pour garantir la confidentialité des ",{"data":1477,"content":1478,"nodeType":362},{},[1479],{"data":1480,"marks":1481,"value":1482,"nodeType":361},{},[],"informations transmises au moteur d’intelligence artificielle générative. Ces données anonymisées ne permettent pas la réidentification des personnes physiques ou morales concernées.",{"data":1484,"content":1485,"nodeType":362},{},[1486],{"data":1487,"marks":1488,"value":1050,"nodeType":361},{},[],{"data":1490,"content":1491,"nodeType":362},{},[1492],{"data":1493,"marks":1494,"value":1495,"nodeType":361},{},[],"Là encore, nous garantissons que les Données d’entrée et de sortie ne sont pas utilisées ni par Pennylane ni par ses fournisseurs pour entraîner ou améliorer les modèles d’IA que nous utilisons.",{"data":1497,"content":1498,"nodeType":362},{},[1499],{"data":1500,"marks":1501,"value":1050,"nodeType":361},{},[],{"metadata":1503,"sys":1506,"fields":1514},{"tags":1504,"concepts":1505},[],[],{"space":1507,"id":1509,"type":413,"createdAt":1510,"updatedAt":1511,"environment":1512,"publishedVersion":24,"revision":418,"locale":28},{"sys":1508},{"type":12,"linkType":13,"id":14},"7bh7MUJxYUXs4pizOyuIc1","2024-10-16T10:10:43.867Z","2026-01-20T16:35:46.334Z",{"sys":1513},{"id":21,"type":12,"linkType":22},{},{"metadata":1516,"sys":1525,"fields":1536},{"tags":1517,"concepts":1523,"contentType":333,"slug":1524},[1518,1520],{"sys":1519},{"type":12,"linkType":972,"id":973},{"sys":1521},{"type":12,"linkType":972,"id":1522},"trustCenterConformite",[],"card-with-modal\u002Ffacture-electronique",{"space":1526,"id":1528,"type":16,"createdAt":1529,"updatedAt":1530,"environment":1531,"publishedVersion":1533,"revision":50,"contentType":1534,"locale":28},{"sys":1527},{"type":12,"linkType":13,"id":14},"7FUcxhTMIEve9GG5wzmZrA","2024-10-16T09:47:15.269Z","2026-09-16T13:26:55.073Z",{"sys":1532},{"id":21,"type":12,"linkType":22},15,{"sys":1535},{"type":12,"linkType":27,"id":346},{"slug":1537,"title":1538,"subtitle":1539,"text":1540,"image":1633,"extended":31,"reversed":31,"backgroundColor":1248,"indexed":31},"facture-electronique","Factura electrónica","Pennylane, siendo un software SaaS todo en uno de gestión financiera y contable, ya es un Operador de Desmaterialización (OD).",{"data":1541,"content":1542,"nodeType":404},{},[1543,1562,1568,1575,1581,1588,1594,1614,1620,1627],{"data":1544,"content":1545,"nodeType":362},{},[1546,1549,1558],{"data":1547,"marks":1548,"value":360,"nodeType":361},{},[],{"data":1550,"content":1552,"nodeType":1081},{"uri":1551},"\u002Ffr",[1553],{"data":1554,"marks":1555,"value":1557,"nodeType":361},{},[1556],{"type":1079},"Pennylane",{"data":1559,"marks":1560,"value":1561,"nodeType":361},{},[]," étant un logiciel Saas tout-en-un de gestion financière et comptable est d’ores et déjà un Opérateur de Dématérialisation (OD).",{"data":1563,"content":1564,"nodeType":362},{},[1565],{"data":1566,"marks":1567,"value":1050,"nodeType":361},{},[],{"data":1569,"content":1570,"nodeType":362},{},[1571],{"data":1572,"marks":1573,"value":1574,"nodeType":361},{},[],"Pennylane a fait le choix de développer sa propre Plateforme de Dématérialisation Partenaire (PDP) pour simplifier l’adoption de la facture électronique par les indépendants, TPE et PME françaises.",{"data":1576,"content":1577,"nodeType":362},{},[1578],{"data":1579,"marks":1580,"value":1050,"nodeType":361},{},[],{"data":1582,"content":1583,"nodeType":362},{},[1584],{"data":1585,"marks":1586,"value":1587,"nodeType":361},{},[],"Les serveurs utilisés par la PDP Pennylane sont les serveurs situés en France mis à disposition par 3DS Outscale, opérés par Scalingo.",{"data":1589,"content":1590,"nodeType":362},{},[1591],{"data":1592,"marks":1593,"value":1050,"nodeType":361},{},[],{"data":1595,"content":1596,"nodeType":362},{},[1597,1601,1610],{"data":1598,"marks":1599,"value":1600,"nodeType":361},{},[],"3DS Outscale garantit la disponibilité et la sécurité de ses serveurs et a mis en œuvre les mesures de sécurité les plus strictes conformément au référentiel SecNumCloud de l’ANSSI (",{"data":1602,"content":1604,"nodeType":1081},{"uri":1603},"https:\u002F\u002Ffr.outscale.com\u002Fwp-content\u002Fuploads\u002F2023\u002F06\u002F20230609_NP_ANSSI_SDE_PSS_BQA_958_PJ_J3-Outscale_IaaS-Cloud-on-demand.vfp_.pdf",[1605],{"data":1606,"marks":1607,"value":1609,"nodeType":361},{},[1608],{"type":1079},"certificado",{"data":1611,"marks":1612,"value":1613,"nodeType":361},{},[],"). Dans son référentiel, l’ANSSI a défini 13 axes fondamentaux en matière de sécurité. Des mesures techniques et organisationnelles de sécurité ont été mises en place par 3DS Outscale et validées par un centre d’évaluation agréé par l’ANSSI. ",{"data":1615,"content":1616,"nodeType":362},{},[1617],{"data":1618,"marks":1619,"value":1050,"nodeType":361},{},[],{"data":1621,"content":1622,"nodeType":362},{},[1623],{"data":1624,"marks":1625,"value":1626,"nodeType":361},{},[],"Estas medidas tienen como objetivo proteger los recursos y los datos alojados en los servidores, así como garantizar la confidencialidad, la integridad y la disponibilidad de los servicios prestados.",{"data":1628,"content":1629,"nodeType":362},{},[1630],{"data":1631,"marks":1632,"value":1050,"nodeType":361},{},[],{"metadata":1634,"sys":1637,"fields":1645},{"tags":1635,"concepts":1636},[],[],{"space":1638,"id":1640,"type":413,"createdAt":1641,"updatedAt":1642,"environment":1643,"publishedVersion":217,"revision":146,"locale":28},{"sys":1639},{"type":12,"linkType":13,"id":14},"Hw4BXcNSjTKLXVhmjwhvc","2024-10-16T09:47:03.237Z","2026-01-20T17:01:23.073Z",{"sys":1644},{"id":21,"type":12,"linkType":22},{},{"metadata":1647,"sys":1655,"fields":1665},{"tags":1648,"concepts":1653,"contentType":333,"slug":1654},[1649,1651],{"sys":1650},{"type":12,"linkType":972,"id":973},{"sys":1652},{"type":12,"linkType":972,"id":1522},[],"card-with-modal\u002Fcompte-pro-enregistrement-orias",{"space":1656,"id":1658,"type":16,"createdAt":1659,"updatedAt":1660,"environment":1661,"publishedVersion":109,"revision":24,"contentType":1663,"locale":28},{"sys":1657},{"type":12,"linkType":13,"id":14},"3RJfu1GFe98RHyGxMoQsDO","2024-10-16T09:45:37.751Z","2026-09-16T13:26:55.031Z",{"sys":1662},{"id":21,"type":12,"linkType":22},{"sys":1664},{"type":12,"linkType":27,"id":346},{"slug":1666,"title":1667,"subtitle":1668,"text":1669,"image":1679,"extended":31,"reversed":31,"backgroundColor":832,"indexed":31},"compte-pro-enregistrement-orias","Cuenta Pro \u002F registro ORIAS","Para ofrecerle la Cuenta Pro, Pennylane ha establecido una asociación con SWAN, entidad de dinero electrónico registrada en la ACPR.",{"data":1670,"content":1671,"nodeType":404},{},[1672],{"data":1673,"content":1674,"nodeType":362},{},[1675],{"data":1676,"marks":1677,"value":1678,"nodeType":361},{},[],"Pour vous proposer le Compte pro, Pennylane a noué un partenariat avec SWAN, établissement de monnaie électronique enregistré à l’ACPR. Pennylane est mandaté par SWAN pour présenter, proposer ou aider à la conclusion d'opérations de banque ou de services de paiement. Pour cela, nous sommes enregistrés en tant que mandataire non-exclusif  en opération de paiement (MOBSP) auprès de l’ORIAS.",{"metadata":1680,"sys":1683,"fields":1691},{"tags":1681,"concepts":1682},[],[],{"space":1684,"id":1686,"type":413,"createdAt":1687,"updatedAt":1688,"environment":1689,"publishedVersion":217,"revision":146,"locale":28},{"sys":1685},{"type":12,"linkType":13,"id":14},"52ZPGNUqDpI7ejiWg2PPe0","2024-10-16T09:45:34.040Z","2026-01-20T17:00:49.945Z",{"sys":1690},{"id":21,"type":12,"linkType":22},{},{"metadata":1693,"sys":1701,"fields":1712},{"tags":1694,"concepts":1699,"contentType":333,"slug":1700},[1695,1697],{"sys":1696},{"type":12,"linkType":972,"id":973},{"sys":1698},{"type":12,"linkType":972,"id":976},[],"card-with-modal\u002Fplateform-security",{"space":1702,"id":1704,"type":16,"createdAt":1705,"updatedAt":1706,"environment":1707,"publishedVersion":1709,"revision":217,"contentType":1710,"locale":28},{"sys":1703},{"type":12,"linkType":13,"id":14},"4gt2LJvvy2vGEdPIURPrq3","2024-10-14T15:44:04.296Z","2026-09-16T13:26:54.746Z",{"sys":1708},{"id":21,"type":12,"linkType":22},36,{"sys":1711},{"type":12,"linkType":27,"id":346},{"slug":1713,"title":1714,"subtitle":1715,"text":1716,"image":1773,"extended":31,"backgroundColor":1248,"indexed":31},"plateform-security","Seguridad de la plataforma","Estamos comprometidos con la seguridad de los datos de nuestros clientes, gracias a una serie de medidas y controles tanto técnicos como organizativos.",{"data":1717,"content":1718,"nodeType":404},{},[1719,1726,1743,1750,1767],{"data":1720,"content":1721,"nodeType":362},{},[1722],{"data":1723,"marks":1724,"value":1725,"nodeType":361},{},[],"Estamos comprometidos con la seguridad de los datos de nuestros clientes, gracias a una serie de medidas y controles tanto técnicos como organizativos, detallados a continuación.",{"data":1727,"content":1728,"nodeType":362},{},[1729,1732,1739],{"data":1730,"marks":1731,"value":360,"nodeType":361},{},[],{"data":1733,"content":1734,"nodeType":1081},{"uri":1222},[1735],{"data":1736,"marks":1737,"value":1738,"nodeType":361},{},[],"Estamos certificados ISO 27001",{"data":1740,"marks":1741,"value":1742,"nodeType":361},{},[]," sur l’ensemble de notre produit et de nos systèmes et sur l’ensemble des points de contrôle de la norme, auprès de BSI, leader mondial de cette certification.",{"data":1744,"content":1745,"nodeType":362},{},[1746],{"data":1747,"marks":1748,"value":1749,"nodeType":361},{},[],"Sometemos cada año nuestra aplicación a auditorías técnicas completas  (pruebas de penetración o pentest), realizadas por auditores externos independientes, con acceso al código fuente. De nuestro último pentest se desprende la confirmación del alto nivel de seguridad de nuestras aplicaciones (web y móvil).",{"data":1751,"content":1752,"nodeType":362},{},[1753,1757,1764],{"data":1754,"marks":1755,"value":1756,"nodeType":361},{},[],"Retrouvez toutes les informations relatives au chiffrement, l’authentification et les accès ainsi que les mesures mises en place pour limiter les risques contre les ransomwares dans ",{"data":1758,"content":1759,"nodeType":1081},{"uri":1222},[1760],{"data":1761,"marks":1762,"value":1763,"nodeType":361},{},[],"nuestra página dedicada a la seguridad",{"data":1765,"marks":1766,"value":1085,"nodeType":361},{},[],{"data":1768,"content":1769,"nodeType":362},{},[1770],{"data":1771,"marks":1772,"value":1050,"nodeType":361},{},[],{"metadata":1774,"sys":1777,"fields":1785},{"tags":1775,"concepts":1776},[],[],{"space":1778,"id":1780,"type":413,"createdAt":1781,"updatedAt":1782,"environment":1783,"publishedVersion":199,"revision":146,"locale":28},{"sys":1779},{"type":12,"linkType":13,"id":14},"4IDHL6u19bqMDn9zBVjOF8","2024-10-15T12:02:16.015Z","2026-01-20T16:59:20.940Z",{"sys":1784},{"id":21,"type":12,"linkType":22},{},{"metadata":1787,"sys":1795,"fields":1806},{"tags":1788,"concepts":1793,"contentType":333,"slug":1794},[1789,1791],{"sys":1790},{"type":12,"linkType":972,"id":973},{"sys":1792},{"type":12,"linkType":972,"id":1340},[],"card-with-modal\u002Frapport-danalyse-financier",{"space":1796,"id":1798,"type":16,"createdAt":1799,"updatedAt":1800,"environment":1801,"publishedVersion":1803,"revision":72,"contentType":1804,"locale":28},{"sys":1797},{"type":12,"linkType":13,"id":14},"4CMuevnm9i1A5OThuBCHX9","2024-10-16T10:03:17.360Z","2026-09-16T13:26:54.642Z",{"sys":1802},{"id":21,"type":12,"linkType":22},16,{"sys":1805},{"type":12,"linkType":27,"id":346},{"slug":1807,"title":1808,"subtitle":1809,"text":1810,"image":1840,"extended":32,"reversed":31,"backgroundColor":420,"indexed":31},"rapport-danalyse-financier","Informe de análisis financiero","Esta funcionalidad, accesible desde la pestaña de las páginas de estados financieros, le permite generar informes de análisis financiero adaptados a los datos de su cliente utilizando los principales estados financieros para ayudarle a comunicar eficazmente la información importante a su cliente.",{"data":1811,"content":1812,"nodeType":404},{},[1813,1820,1826,1833],{"data":1814,"content":1815,"nodeType":362},{},[1816],{"data":1817,"marks":1818,"value":1819,"nodeType":361},{},[],"Cette fonctionnalité, accessible depuis l’onglet des pages d’états financiers, vous permet de générer des rapports d’analyse financière adaptés aux données de votre client en utilisant les principaux états financiers (SIG, CdR, Balance) pour vous aider à communiquer efficacement les informations importantes à votre client. ",{"data":1821,"content":1822,"nodeType":362},{},[1823],{"data":1824,"marks":1825,"value":1050,"nodeType":361},{},[],{"data":1827,"content":1828,"nodeType":362},{},[1829],{"data":1830,"marks":1831,"value":1832,"nodeType":361},{},[],"Pour vous permettre d’utiliser cette fonctionnalité en toute sécurité, nous assurons la ségrégation stricte des données entre chaque dossier. Lorsque vous utilisez cette fonctionnalité, seules les données de votre client sont analysées, sans mise en relation ou en commun avec les données d’autres clients.",{"data":1834,"content":1835,"nodeType":362},{},[1836],{"data":1837,"marks":1838,"value":1839,"nodeType":361},{},[],"Par ailleurs, nous garantissons que les Données d’entrée et de sortie ne sont pas utilisées ni par Pennylane ni par ses fournisseurs pour entraîner ou améliorer les modèles d’IA que nous utilisons.",{"metadata":1841,"sys":1844,"fields":1852},{"tags":1842,"concepts":1843},[],[],{"space":1845,"id":1847,"type":413,"createdAt":1848,"updatedAt":1849,"environment":1850,"publishedVersion":199,"revision":146,"locale":28},{"sys":1846},{"type":12,"linkType":13,"id":14},"6L06zYlW5jM1GIB7IbNzhI","2024-10-16T10:02:56.066Z","2026-01-20T17:16:40.941Z",{"sys":1851},{"id":21,"type":12,"linkType":22},{},{"metadata":1854,"sys":1862,"fields":1873},{"tags":1855,"concepts":1860,"contentType":333,"slug":1861},[1856,1858],{"sys":1857},{"type":12,"linkType":972,"id":973},{"sys":1859},{"type":12,"linkType":972,"id":1340},[],"card-with-modal\u002Fpennylane-et-lia-act",{"space":1863,"id":1865,"type":16,"createdAt":1866,"updatedAt":1867,"environment":1868,"publishedVersion":1870,"revision":50,"contentType":1871,"locale":28},{"sys":1864},{"type":12,"linkType":13,"id":14},"6p4vsFKk7QjTk8aKPkjWbA","2024-10-16T10:00:28.309Z","2026-09-16T13:26:54.605Z",{"sys":1869},{"id":21,"type":12,"linkType":22},19,{"sys":1872},{"type":12,"linkType":27,"id":346},{"slug":1874,"title":1875,"subtitle":1876,"text":1877,"image":1969,"extended":31,"reversed":31,"backgroundColor":1248,"indexed":31},"pennylane-et-lia-act","Pennylane y la Ley de IA","La Ley de IA es un proyecto de regulación propuesto por la Comisión Europea para regular el desarrollo y el uso de la inteligencia artificial...",{"data":1878,"content":1879,"nodeType":404},{},[1880,1887,1893,1900,1963],{"data":1881,"content":1882,"nodeType":362},{},[1883],{"data":1884,"marks":1885,"value":1886,"nodeType":361},{},[],"La Ley de IA es un proyecto de regulación propuesto por la Comisión Europea para regular el desarrollo y el uso de la inteligencia artificial (IA) en la Unión Europea. Su objetivo principal es garantizar la seguridad y el respeto de los derechos fundamentales de los ciudadanos, fomentando al mismo tiempo la innovación y la confianza en las tecnologías de IA. El reglamento clasifica los sistemas de IA en diferentes categorías de riesgo, que van desde el riesgo mínimo hasta el riesgo inaceptable, cada una sujeta a obligaciones y requisitos específicos. Los proveedores de sistemas de IA, en particular los considerados de alto riesgo, deberán cumplir con obligaciones estrictas, especialmente en materia de gestión de riesgos, documentación técnica, evaluación de conformidad y supervisión post-comercialización.",{"data":1888,"content":1889,"nodeType":362},{},[1890],{"data":1891,"marks":1892,"value":1050,"nodeType":361},{},[],{"data":1894,"content":1895,"nodeType":362},{},[1896],{"data":1897,"marks":1898,"value":1899,"nodeType":361},{},[],"Nous avons déjà amorcé des travaux pour nous conformer à cette future réglementation,  en particulier pour respecter les principes suivants : ",{"data":1901,"content":1902,"nodeType":397},{},[1903,1918,1933,1948],{"data":1904,"content":1905,"nodeType":376},{},[1906],{"data":1907,"content":1908,"nodeType":362},{},[1909,1914],{"data":1910,"marks":1911,"value":1913,"nodeType":361},{},[1912],{"type":1170},"Transparencia",{"data":1915,"marks":1916,"value":1917,"nodeType":361},{},[]," : vous serez informés dès que l’une des fonctionnalités que vous souhaiterez utiliser repose sur un système d’IA au sens de la réglementation européenne.",{"data":1919,"content":1920,"nodeType":376},{},[1921],{"data":1922,"content":1923,"nodeType":362},{},[1924,1929],{"data":1925,"marks":1926,"value":1928,"nodeType":361},{},[1927],{"type":1170},"Documentación",{"data":1930,"marks":1931,"value":1932,"nodeType":361},{},[]," : nous mettons en place et tenons à jour la documentation nécessaire sur les fonctionnalités IA sur lesquelles nous travaillons pour nous assurer que leur niveau de risque est acceptable, et qu’elles respectent par ailleurs les autres réglementations applicables, comme le RGPD.",{"data":1934,"content":1935,"nodeType":376},{},[1936],{"data":1937,"content":1938,"nodeType":362},{},[1939,1944],{"data":1940,"marks":1941,"value":1943,"nodeType":361},{},[1942],{"type":1170},"Supervisión post-comercialización ",{"data":1945,"marks":1946,"value":1947,"nodeType":361},{},[],": nous avons réalisé de nombreux tests avant la mise en production des fonctionnalités IA et nous procéderons à une surveillance après leur lancement pour nous assurer qu’elles fonctionnent conformément à nos attentes, à vos besoins, et identifier tout potentiel risque.",{"data":1949,"content":1950,"nodeType":376},{},[1951],{"data":1952,"content":1953,"nodeType":362},{},[1954,1959],{"data":1955,"marks":1956,"value":1958,"nodeType":361},{},[1957],{"type":1170},"Instructions d’usage",{"data":1960,"marks":1961,"value":1962,"nodeType":361},{},[]," : nous avons rédigé une documentation claire et accessible sur les fonctionnalités et la façon de les utiliser, notamment pour vous permettre d’appréhender leurs capacités et leurs limites. ",{"data":1964,"content":1965,"nodeType":362},{},[1966],{"data":1967,"marks":1968,"value":360,"nodeType":361},{},[],{"metadata":1970,"sys":1973,"fields":1981},{"tags":1971,"concepts":1972},[],[],{"space":1974,"id":1976,"type":413,"createdAt":1977,"updatedAt":1978,"environment":1979,"publishedVersion":24,"revision":418,"locale":28},{"sys":1975},{"type":12,"linkType":13,"id":14},"49CuKyxSmKCYpyUbYbT8sB","2024-10-16T09:59:48.189Z","2026-01-20T16:18:30.085Z",{"sys":1980},{"id":21,"type":12,"linkType":22},{},{"metadata":1983,"sys":1991,"fields":2001},{"tags":1984,"concepts":1989,"contentType":333,"slug":1990},[1985,1987],{"sys":1986},{"type":12,"linkType":972,"id":973},{"sys":1988},{"type":12,"linkType":972,"id":1340},[],"card-with-modal\u002Flia-chez-pennylane",{"space":1992,"id":1994,"type":16,"createdAt":1995,"updatedAt":1996,"environment":1997,"publishedVersion":127,"revision":50,"contentType":1999,"locale":28},{"sys":1993},{"type":12,"linkType":13,"id":14},"2vqCQR4xi1Yjsb64PQVZor","2024-10-16T09:57:26.498Z","2026-09-16T13:26:54.570Z",{"sys":1998},{"id":21,"type":12,"linkType":22},{"sys":2000},{"type":12,"linkType":27,"id":346},{"slug":2002,"title":2003,"subtitle":2004,"text":2005,"image":2015,"extended":31,"reversed":31,"backgroundColor":832,"indexed":31},"lia-chez-pennylane","La IA en Pennylane","Dado que numerosos proveedores ofrecen ahora funcionalidades de IA en sus productos, también hemos mejorado nuestro proceso de selección de proveedores...",{"data":2006,"content":2007,"nodeType":404},{},[2008],{"data":2009,"content":2010,"nodeType":362},{},[2011],{"data":2012,"marks":2013,"value":2014,"nodeType":361},{},[],"Dans la mesure où de nombreux fournisseurs proposent désormais des fonctionnalités IA au sein de leur produits, nous avons également amélioré notre processus de sélection fournisseur pour nous assurer que toute utilisation d’un module d’intelligence artificielle nous offre les garanties adéquates. ",{"metadata":2016,"sys":2019,"fields":2027},{"tags":2017,"concepts":2018},[],[],{"space":2020,"id":2022,"type":413,"createdAt":2023,"updatedAt":2024,"environment":2025,"publishedVersion":24,"revision":418,"locale":28},{"sys":2021},{"type":12,"linkType":13,"id":14},"7sCVZCXeJndxL4k3uE9XBw","2024-10-16T09:57:17.328Z","2026-01-20T16:17:50.782Z",{"sys":2026},{"id":21,"type":12,"linkType":22},{},{"metadata":2029,"sys":2037,"fields":2047},{"tags":2030,"concepts":2035,"contentType":333,"slug":2036},[2031,2033],{"sys":2032},{"type":12,"linkType":972,"id":973},{"sys":2034},{"type":12,"linkType":972,"id":1522},[],"card-with-modal\u002Fconformite-a-la-norme-nf203-conformite-anti-fraude-sur-la-tva",{"space":2038,"id":2040,"type":16,"createdAt":2041,"updatedAt":2042,"environment":2043,"publishedVersion":109,"revision":24,"contentType":2045,"locale":28},{"sys":2039},{"type":12,"linkType":13,"id":14},"7297he6BpmNiwEszIwLsiW","2024-10-16T09:35:59.368Z","2026-09-16T13:26:54.542Z",{"sys":2044},{"id":21,"type":12,"linkType":22},{"sys":2046},{"type":12,"linkType":27,"id":346},{"slug":2048,"title":2049,"subtitle":2050,"text":2051,"image":2081,"extended":31,"reversed":31,"backgroundColor":1248,"indexed":31},"conformite-a-la-norme-nf203-conformite-anti-fraude-sur-la-tva","Conformidad con la norma NF203 (conformidad antifraude en el IVA)","La aplicación Pennylane cumple con las condiciones de inalterabilidad, segurización, conservación y archivo de datos para el control de la administración fiscal.",{"data":2052,"content":2053,"nodeType":404},{},[2054,2061],{"data":2055,"content":2056,"nodeType":362},{},[2057],{"data":2058,"marks":2059,"value":2060,"nodeType":361},{},[],"Les entreprises assujetties à la TVA qui utilisent un logiciel pour enregistrer les opérations de ventes à des non assujettis à la TVA (caisse, gestion, facturation, site e-commerce) doivent utiliser une solution conforme aux 4 critères posés par l’article 286 I, 3° du Code général des impôts (voir ci-dessus). Cet article laisse le choix des modalités de l'attestation: soit un certificat délivré par un organisme accrédité (c'est à dire la certif NF203, délivré par Infocert), soit une attestation individuelle de l'éditeur, ce que propose Pennylane.\n",{"data":2062,"content":2063,"nodeType":362},{},[2064,2068,2077],{"data":2065,"marks":2066,"value":2067,"nodeType":361},{},[],"L’application Pennylane est conforme aux conditions d’inaltérabilité, de sécurisation, de conservation et d’archivage des données en vue du contrôle de l’administration fiscale. Nous fournissons une attestation  ",{"data":2069,"content":2071,"nodeType":1081},{"uri":2070},"https:\u002F\u002Fhelp.pennylane.com\u002Ffr\u002Farticles\u002F110714-telecharger-les-attestations-de-conformite",[2072],{"data":2073,"marks":2074,"value":2076,"nodeType":361},{},[2075],{"type":1079},"disponible para descargar en la aplicación",{"data":2078,"marks":2079,"value":2080,"nodeType":361},{},[]," que tiene el mismo valor jurídico que la certificación NF203.",{"metadata":2082,"sys":2085,"fields":2093},{"tags":2083,"concepts":2084},[],[],{"space":2086,"id":2088,"type":413,"createdAt":2089,"updatedAt":2090,"environment":2091,"publishedVersion":435,"revision":418,"locale":28},{"sys":2087},{"type":12,"linkType":13,"id":14},"51wrznqjTx9H6cI2kd9uos","2024-10-15T16:17:49.607Z","2026-01-20T11:12:33.177Z",{"sys":2092},{"id":21,"type":12,"linkType":22},{},{"metadata":2095,"sys":2103,"fields":2113},{"tags":2096,"concepts":2101,"contentType":333,"slug":2102},[2097,2099],{"sys":2098},{"type":12,"linkType":972,"id":973},{"sys":2100},{"type":12,"linkType":972,"id":1522},[],"card-with-modal\u002Fprestation-dinformation-sur-les-comptes-enregistrement-acpr",{"space":2104,"id":2106,"type":16,"createdAt":2107,"updatedAt":2108,"environment":2109,"publishedVersion":109,"revision":24,"contentType":2111,"locale":28},{"sys":2105},{"type":12,"linkType":13,"id":14},"79y5FZyBDNm5dx3WftSrkN","2024-10-16T09:41:51.561Z","2026-09-16T13:26:54.501Z",{"sys":2110},{"id":21,"type":12,"linkType":22},{"sys":2112},{"type":12,"linkType":27,"id":346},{"slug":2114,"title":2115,"subtitle":2116,"text":2117,"image":2166,"extended":32,"reversed":31,"backgroundColor":420,"indexed":31},"prestation-dinformation-sur-les-comptes-enregistrement-acpr","Servicio de información sobre cuentas \u002F Registro ACPR","Para permitirle acceder a sus cuentas desde Pennylane, la plataforma le permite agregar sus cuentas gracias a la DSP2, directiva europea sobre servicios de pago que introduce el servicio de proveedor de información sobre cuentas.",{"data":2118,"content":2119,"nodeType":404},{},[2120,2127,2133,2140,2146,2153,2159],{"data":2121,"content":2122,"nodeType":362},{},[2123],{"data":2124,"marks":2125,"value":2126,"nodeType":361},{},[],"Pour vous permettre d’accéder à vos comptes depuis Pennylane, la plateforme vous permet d’agréger vos comptes grâce à la DSP2, directive européenne sur les services de paiement qui introduit le service de prestataire d’information sur les comptes. Les informations sur vos comptes peuvent désormais être agrégées via une connexion par API bancaire.",{"data":2128,"content":2129,"nodeType":362},{},[2130],{"data":2131,"marks":2132,"value":1050,"nodeType":361},{},[],{"data":2134,"content":2135,"nodeType":362},{},[2136],{"data":2137,"marks":2138,"value":2139,"nodeType":361},{},[],"Pennylane offre un service d’information sur les comptes. Un tel service consiste à fournir des informations consolidées concernant un ou plusieurs comptes de paiement détenus par un client auprès d’une ou plusieurs banques. ",{"data":2141,"content":2142,"nodeType":362},{},[2143],{"data":2144,"marks":2145,"value":1050,"nodeType":361},{},[],{"data":2147,"content":2148,"nodeType":362},{},[2149],{"data":2150,"marks":2151,"value":2152,"nodeType":361},{},[],"Pour cela Pennylane dispose d’un enregistrement auprès de l’ACPR en tant que prestataire de services d’information sur les comptes sous le numéro n°17608.",{"data":2154,"content":2155,"nodeType":362},{},[2156],{"data":2157,"marks":2158,"value":1050,"nodeType":361},{},[],{"data":2160,"content":2161,"nodeType":362},{},[2162],{"data":2163,"marks":2164,"value":2165,"nodeType":361},{},[],"Cette offre est utilisée pour nos utilisateurs qui ont un compte Qonto, Manager1 et Shine. Si vous avez un compte dans un autre établissement, nous synchronisons vos données via d’autres canaux sécurisés, comme décrit dans la partie Sécurité Bancaire.",{"metadata":2167,"sys":2170,"fields":2175},{"tags":2168,"concepts":2169},[],[],{"space":2171,"id":521,"type":413,"createdAt":522,"updatedAt":523,"environment":2173,"publishedVersion":217,"revision":146,"locale":28},{"sys":2172},{"type":12,"linkType":13,"id":14},{"sys":2174},{"id":21,"type":12,"linkType":22},{},{"metadata":2177,"sys":2185,"fields":2195},{"tags":2178,"concepts":2183,"contentType":333,"slug":2184},[2179,2181],{"sys":2180},{"type":12,"linkType":972,"id":973},{"sys":2182},{"type":12,"linkType":972,"id":1340},[],"card-with-modal\u002Fla-souverainete-de-vos-donnee",{"space":2186,"id":2188,"type":16,"createdAt":2189,"updatedAt":2190,"environment":2191,"publishedVersion":762,"revision":24,"contentType":2193,"locale":28},{"sys":2187},{"type":12,"linkType":13,"id":14},"50k1K8qjYedNBiko5xPPZ8","2024-10-16T10:07:40.493Z","2026-09-16T13:26:54.465Z",{"sys":2192},{"id":21,"type":12,"linkType":22},{"sys":2194},{"type":12,"linkType":27,"id":346},{"slug":2196,"title":2197,"subtitle":2198,"text":2199,"image":2261,"extended":31,"reversed":31,"backgroundColor":832,"indexed":31},"la-souverainete-de-vos-donnee","La soberanía de sus datos","Como cliente de Pennylane, usted sigue siendo en todo momento el propietario de los datos. Este principio fundamental está recogido en nuestras Condiciones generales...",{"data":2200,"content":2201,"nodeType":404},{},[2202,2220,2237,2254],{"data":2203,"content":2204,"nodeType":362},{},[2205,2209,2217],{"data":2206,"marks":2207,"value":2208,"nodeType":361},{},[],"Como cliente de Pennylane, usted sigue siendo en todo momento el propietario de los datos. Este principio fundamental está recogido en nuestras ",{"data":2210,"content":2212,"nodeType":1081},{"uri":2211},"\u002Ffr\u002Fconditions-generales",[2213],{"data":2214,"marks":2215,"value":2216,"nodeType":361},{},[],"Condiciones generales",{"data":2218,"marks":2219,"value":1085,"nodeType":361},{},[],{"data":2221,"content":2222,"nodeType":362},{},[2223,2227,2233],{"data":2224,"marks":2225,"value":2226,"nodeType":361},{},[],"Pour vous permettre d'utiliser l’application Pennylane, vous nous octroyez un droit d’utilisation (une licence) pour utiliser vos données. Les contours de cette utilisation sont strictement limités, et clairement définis dans nos ",{"data":2228,"content":2229,"nodeType":1081},{"uri":2211},[2230],{"data":2231,"marks":2232,"value":2216,"nodeType":361},{},[],{"data":2234,"marks":2235,"value":2236,"nodeType":361},{},[],".\n",{"data":2238,"content":2239,"nodeType":362},{},[2240,2244,2250],{"data":2241,"marks":2242,"value":2243,"nodeType":361},{},[],"Nous ne partageons vos données avec aucun tiers, hormis nos sous-traitants qui ont besoin d’en connaître pour contribuer à la fourniture de la solution. Vous pouvez retrouver leur liste dans nos ",{"data":2245,"content":2246,"nodeType":1081},{"uri":2211},[2247],{"data":2248,"marks":2249,"value":2216,"nodeType":361},{},[],{"data":2251,"marks":2252,"value":2253,"nodeType":361},{},[],". Evidentemente, tampoco monetizamos sus datos.",{"data":2255,"content":2256,"nodeType":362},{},[2257],{"data":2258,"marks":2259,"value":2260,"nodeType":361},{},[],"Si vous décidez de résilier votre abonnement, vous pouvez enfin exporter en format archive (.zip) tous les documents que vous souhaitez conserver ou transmettre (par exemple les FEC ou les écritures complémentaires). Cette archive est importante en cas de demande de l’administration fiscale, pour votre conformité avec l’article L.123-22 du Code de Commerce.\n",{"metadata":2262,"sys":2265,"fields":2273},{"tags":2263,"concepts":2264},[],[],{"space":2266,"id":2268,"type":413,"createdAt":2269,"updatedAt":2270,"environment":2271,"publishedVersion":24,"revision":418,"locale":28},{"sys":2267},{"type":12,"linkType":13,"id":14},"2seSkeJpHZLJb54fuBshKB","2024-10-16T10:07:31.318Z","2026-01-20T16:15:49.741Z",{"sys":2272},{"id":21,"type":12,"linkType":22},{},{"metadata":2275,"sys":2283,"fields":2294},{"tags":2276,"concepts":2281,"contentType":333,"slug":2282},[2277,2279],{"sys":2278},{"type":12,"linkType":972,"id":973},{"sys":2280},{"type":12,"linkType":972,"id":1522},[],"card-with-modal\u002Fconformite-fec",{"space":2284,"id":2286,"type":16,"createdAt":2287,"updatedAt":2288,"environment":2289,"publishedVersion":2291,"revision":24,"contentType":2292,"locale":28},{"sys":2285},{"type":12,"linkType":13,"id":14},"4cqWDJAmWgRWjcS20fKeKC","2024-10-15T17:11:42.721Z","2026-09-16T13:26:54.305Z",{"sys":2290},{"id":21,"type":12,"linkType":22},26,{"sys":2293},{"type":12,"linkType":27,"id":346},{"slug":2295,"title":2296,"subtitle":2297,"text":2298,"image":2337,"extended":31,"reversed":31,"backgroundColor":832,"indexed":31},"conformite-fec","Conformidad de los FEC","Nuestros FEC cumplen con el artículo A-47 A-1 del Libro de procedimientos fiscales. El certificado de conformidad del FEC está disponible para su descarga en la aplicación.",{"data":2299,"content":2300,"nodeType":404},{},[2301,2318,2324,2331],{"data":2302,"content":2303,"nodeType":362},{},[2304,2308,2315],{"data":2305,"marks":2306,"value":2307,"nodeType":361},{},[],"Nos FEC sont conformes à l’article A-47 A-1 du Livre des procédures fiscales. L'attestation de conformité du FEC est ",{"data":2309,"content":2310,"nodeType":1081},{"uri":2070},[2311],{"data":2312,"marks":2313,"value":2076,"nodeType":361},{},[2314],{"type":1079},{"data":2316,"marks":2317,"value":1085,"nodeType":361},{},[],{"data":2319,"content":2320,"nodeType":362},{},[2321],{"data":2322,"marks":2323,"value":1050,"nodeType":361},{},[],{"data":2325,"content":2326,"nodeType":362},{},[2327],{"data":2328,"marks":2329,"value":2330,"nodeType":361},{},[],"L’article A-47 A-1 du Livre des procédures fiscales édicte les règles relatives au contenu et au format des données comptables et impose une standardisation des documents transmis à l’administration fiscale. Cela dans le but de permettre une exploitation aisée par l’administration.",{"data":2332,"content":2333,"nodeType":362},{},[2334],{"data":2335,"marks":2336,"value":1050,"nodeType":361},{},[],{"metadata":2338,"sys":2341,"fields":2349},{"tags":2339,"concepts":2340},[],[],{"space":2342,"id":2344,"type":413,"createdAt":2345,"updatedAt":2346,"environment":2347,"publishedVersion":217,"revision":146,"locale":28},{"sys":2343},{"type":12,"linkType":13,"id":14},"7cFV5Bq1mMJbk3KkNfc8yw","2024-10-15T17:23:27.007Z","2026-01-20T17:00:06.706Z",{"sys":2348},{"id":21,"type":12,"linkType":22},{},{"metadata":2351,"sys":2360,"fields":2370},{"tags":2352,"concepts":2358,"contentType":333,"slug":2359},[2353,2355],{"sys":2354},{"type":12,"linkType":972,"id":973},{"sys":2356},{"type":12,"linkType":972,"id":2357},"trustCenterRgpd",[],"card-with-modal\u002Frole",{"space":2361,"id":2363,"type":16,"createdAt":2364,"updatedAt":2365,"environment":2366,"publishedVersion":23,"revision":24,"contentType":2368,"locale":28},{"sys":2362},{"type":12,"linkType":13,"id":14},"1jEK7EGTLB3aghOd58Joex","2024-10-15T16:19:07.630Z","2026-09-16T13:26:54.268Z",{"sys":2367},{"id":21,"type":12,"linkType":22},{"sys":2369},{"type":12,"linkType":27,"id":346},{"slug":2371,"title":2372,"subtitle":2373,"text":2374,"image":2499,"extended":31,"reversed":31,"backgroundColor":832,"indexed":31},"role","Papel de Pennylane","Al igual que muchos actores SaaS, en materia de RGPD, Pennylane puede calificarse tanto de responsable del tratamiento como de encargado del tratamiento...",{"data":2375,"content":2376,"nodeType":404},{},[2377,2384,2391,2398,2405,2413,2420,2427,2434,2441,2448,2455,2462,2469,2476,2483],{"data":2378,"content":2379,"nodeType":362},{},[2380],{"data":2381,"marks":2382,"value":2383,"nodeType":361},{},[],"Comme de nombreux acteurs SaaS, en matière de RGPD, Pennylane peut à la fois être qualifiée de responsable de traitement ou de sous-traitant. ",{"data":2385,"content":2386,"nodeType":362},{},[2387],{"data":2388,"marks":2389,"value":2390,"nodeType":361},{},[],"Pennylane agit en tant que sous-traitant pour la fourniture de la plateforme et en tant que responsable de traitement pour les traitements liés à la gestion de notre activité commerciale (par exemple la facturation ou l’envoi de nos communications). ",{"data":2392,"content":2393,"nodeType":362},{},[2394],{"data":2395,"marks":2396,"value":2397,"nodeType":361},{},[],"Con esta doble condición, Pennylane está sujeta a las obligaciones del RGPD relativas tanto a los responsables del tratamiento como a los encargados del tratamiento. Para obtener más información sobre la distinción entre estos dos roles y su propia calificación, puede consultar la sección Enfoque en los roles del RGPD.",{"data":2399,"content":2400,"nodeType":362},{},[2401],{"data":2402,"marks":2403,"value":2404,"nodeType":361},{},[],"A continuación encontrará las medidas de conformidad que implementamos en función de nuestro papel.",{"data":2406,"content":2407,"nodeType":2412},{},[2408],{"data":2409,"marks":2410,"value":2411,"nodeType":361},{},[],"Como responsable del tratamiento, respetamos los principios rectores del RGPD","heading-3",{"data":2414,"content":2415,"nodeType":362},{},[2416],{"data":2417,"marks":2418,"value":2419,"nodeType":361},{},[],"Nous avons cartographié nos traitements afin de nous assurer que les données à caractère personnel que nous collectons sont pertinentes et nécessaires au regard des finalités à atteindre (principe de minimisation). Nous avons également vérifié que chaque traitement repose sur une base légale licite (principe de licéité du traitement). Nous documentons tout cela dans notre registre des traitements. ",{"data":2421,"content":2422,"nodeType":362},{},[2423],{"data":2424,"marks":2425,"value":2426,"nodeType":361},{},[],"Nous nous assurons du respect de nos activités vis-à-vis du RGPD à la fois par défaut pour tous les traitements mis en place (principe de privacy by default) et dans le cadre de l’amélioration continue de nos services (principe de privacy by design). ",{"data":2428,"content":2429,"nodeType":362},{},[2430],{"data":2431,"marks":2432,"value":2433,"nodeType":361},{},[],"Quand cela est nécessaire, nous réalisons une analyse d’impact afin de nous assurer que les risques potentiels sont identifiés et contrôlés (principe d’identification et de gestion des risques).",{"data":2435,"content":2436,"nodeType":362},{},[2437],{"data":2438,"marks":2439,"value":2440,"nodeType":361},{},[],"Nous communiquons de manière transparente sur les traitements que nous effectuons et avons mis en place des moyens pour répondre à vos demandes d’exercice de droits (pour en savoir plus, vous pouvez consulter notre Politique de confidentialité).",{"data":2442,"content":2443,"nodeType":362},{},[2444],{"data":2445,"marks":2446,"value":2447,"nodeType":361},{},[],"Enfin, nous documentons toute notre conformité afin de nous assurer de notre conformité dans le temps (principe d’accountability). ",{"data":2449,"content":2450,"nodeType":362},{},[2451],{"data":2452,"marks":2453,"value":2454,"nodeType":361},{},[],"Para obtener más información sobre todas las medidas que hemos implementado para garantizar nuestra conformidad, puede consultar nuestra sección La conformidad RGPD en Pennylane.",{"data":2456,"content":2457,"nodeType":2412},{},[2458],{"data":2459,"marks":2460,"value":2461,"nodeType":361},{},[],"En tant que sous-traitant, nous nous assurons d’être conforme aux prescriptions de l’article 28 du RGPD. ",{"data":2463,"content":2464,"nodeType":362},{},[2465],{"data":2466,"marks":2467,"value":2468,"nodeType":361},{},[],"Un Acuerdo sobre el tratamiento de datos de carácter personal (o data processing agreement \u002F DPA) está anexado a nuestras Condiciones generales, lo que le permite cumplir con sus obligaciones como responsable del tratamiento",{"data":2470,"content":2471,"nodeType":362},{},[2472],{"data":2473,"marks":2474,"value":2475,"nodeType":361},{},[],"Mantenemos un registro de actividades como encargado del tratamiento para documentar los tratamientos que implementamos por cuenta de nuestros clientes.",{"data":2477,"content":2478,"nodeType":362},{},[2479],{"data":2480,"marks":2481,"value":2482,"nodeType":361},{},[],"Hemos designado un Delegado de Protección de Datos (o Data Protection Officer \u002F DPO). Sus datos de contacto figuran en nuestra Política de privacidad.",{"data":2484,"content":2485,"nodeType":362},{},[2486,2490,2495],{"data":2487,"marks":2488,"value":2489,"nodeType":361},{},[],"Hemos implementado las medidas de seguridad necesarias y adecuadas en relación con los tratamientos realizados (para el detalle de las medidas de seguridad, puede consultar la sección ",{"data":2491,"marks":2492,"value":2494,"nodeType":361},{},[2493],{"type":1170},"Seguridad",{"data":2496,"marks":2497,"value":2498,"nodeType":361},{},[]," de nuestro Trust Center). ",{"metadata":2500,"sys":2503,"fields":2508},{"tags":2501,"concepts":2502},[],[],{"space":2504,"id":2088,"type":413,"createdAt":2089,"updatedAt":2090,"environment":2506,"publishedVersion":435,"revision":418,"locale":28},{"sys":2505},{"type":12,"linkType":13,"id":14},{"sys":2507},{"id":21,"type":12,"linkType":22},{},{"metadata":2510,"sys":2514,"fields":2524},{"tags":2511,"concepts":2512,"contentType":333,"slug":2513},[],[],"card-with-modal\u002Facces-aux-donnees",{"space":2515,"id":2517,"type":16,"createdAt":2518,"updatedAt":2519,"environment":2520,"publishedVersion":49,"revision":50,"contentType":2522,"locale":28},{"sys":2516},{"type":12,"linkType":13,"id":14},"49FxSnELgfBf5o9L4JtMHM","2024-10-23T08:36:46.006Z","2026-09-16T13:26:54.237Z",{"sys":2521},{"id":21,"type":12,"linkType":22},{"sys":2523},{"type":12,"linkType":27,"id":346},{"slug":2525,"title":2526,"subtitle":2527,"text":2528,"image":2606,"extended":31,"reversed":31,"backgroundColor":1248,"indexed":31},"acces-aux-donnees","Acceso a los datos","Un control robusto y auditado",{"data":2529,"content":2530,"nodeType":404},{},[2531,2537,2600],{"data":2532,"content":2533,"nodeType":362},{},[2534],{"data":2535,"marks":2536,"value":360,"nodeType":361},{},[],{"data":2538,"content":2539,"nodeType":397},{},[2540,2550,2560,2570,2580,2590],{"data":2541,"content":2542,"nodeType":376},{},[2543],{"data":2544,"content":2545,"nodeType":362},{},[2546],{"data":2547,"marks":2548,"value":2549,"nodeType":361},{},[],"Todos los usuarios de la aplicación Pennylane deben autenticarse mediante correo electrónico y una contraseña controlada por una política de calidad estricta, con un factor de autenticación secundario obligatorio diferente (SMS, notificación push-app o llave de seguridad externa). Los empleados de Pennylane deben utilizar el sistema de autenticación única de la empresa, con un segundo factor de autenticación obligatorio. La conexión en Pennylane está limitada a un número estricto de intentos con capacidades de bloqueo, requiriendo la validación de los empleados de Pennylane para levantar el bloqueo de seguridad de las cuentas.",{"data":2551,"content":2552,"nodeType":376},{},[2553],{"data":2554,"content":2555,"nodeType":362},{},[2556],{"data":2557,"marks":2558,"value":2559,"nodeType":361},{},[],"Les accès de tous les employés sont gérés de manière centralisée par une équipe dédiée, qui applique le principe du moindre privilège afin de garantir que chaque employé ne dispose que des droits nécessaires au succès de sa mission et uniquement pour sa durée. Des audits réguliers contrôlent l’efficacité de cette politique.",{"data":2561,"content":2562,"nodeType":376},{},[2563],{"data":2564,"content":2565,"nodeType":362},{},[2566],{"data":2567,"marks":2568,"value":2569,"nodeType":361},{},[],"Les employés de Pennylane autorisés à accéder aux données des clients, uniquement à des fins de support ou de développement technique, doivent justifier de leurs raisons. Toutes les modifications de données sont enregistrées et font l'objet d'un audit régulier de conformité interne.",{"data":2571,"content":2572,"nodeType":376},{},[2573],{"data":2574,"content":2575,"nodeType":362},{},[2576],{"data":2577,"marks":2578,"value":2579,"nodeType":361},{},[],"Un examen global de l'accès aux données, pour vérification par rapport à la matrice des rôles et des droits des utilisateurs, est effectué chaque mois dans le cadre du programme d'audit interne centralisé.",{"data":2581,"content":2582,"nodeType":376},{},[2583],{"data":2584,"content":2585,"nodeType":362},{},[2586],{"data":2587,"marks":2588,"value":2589,"nodeType":361},{},[],"Pennylane offre une connexion sécurisée aux comptes bancaires des utilisateurs en utilisant plusieurs méthodes, adaptées aux spécificités de chaque banque : soit par le biais de OAuth2 (un moyen sûr et pratique pour les utilisateurs d'accorder l'accès aux applications tierces) ou par le biais des services de Bridge et Powens (conformes à l'ACPR\u002FDSP2 et leaders reconnus dans le secteur de l'open-banking français).",{"data":2591,"content":2592,"nodeType":376},{},[2593],{"data":2594,"content":2595,"nodeType":362},{},[2596],{"data":2597,"marks":2598,"value":2599,"nodeType":361},{},[],"Pennylane utilise également le protocole EBICS avec divers fournisseurs de services. EBICS (Electronic Banking Internet Communication Standard) est un standard de communication sécurisé basé sur Internet utilisé par les banques, offrant des niveaux élevés de sécurité et un contrôle d'accès approprié.",{"data":2601,"content":2602,"nodeType":362},{},[2603],{"data":2604,"marks":2605,"value":360,"nodeType":361},{},[],{"metadata":2607,"sys":2610,"fields":2618},{"tags":2608,"concepts":2609},[],[],{"space":2611,"id":2613,"type":413,"createdAt":2614,"updatedAt":2615,"environment":2616,"publishedVersion":435,"revision":418,"locale":28},{"sys":2612},{"type":12,"linkType":13,"id":14},"1ddYVG0HwXwi24Dqfm3Bir","2024-10-15T17:02:18.839Z","2026-01-20T11:11:55.861Z",{"sys":2617},{"id":21,"type":12,"linkType":22},{},{"metadata":2620,"sys":2624,"fields":2634},{"tags":2621,"concepts":2622,"contentType":333,"slug":2623},[],[],"card-with-modal\u002Fauthentification",{"space":2625,"id":2627,"type":16,"createdAt":2628,"updatedAt":2629,"environment":2630,"publishedVersion":2291,"revision":164,"contentType":2632,"locale":28},{"sys":2626},{"type":12,"linkType":13,"id":14},"2DQ2wUDcTNdvAFqr7QQE7g","2024-10-15T15:10:40.083Z","2026-09-16T13:26:54.196Z",{"sys":2631},{"id":21,"type":12,"linkType":22},{"sys":2633},{"type":12,"linkType":27,"id":346},{"slug":2635,"title":2636,"subtitle":2637,"text":2638,"image":2689,"extended":31,"reversed":31,"backgroundColor":1248,"indexed":31},"authentification","Autenticación y acceso","Todos los usuarios de la aplicación Pennylane deben autenticarse mediante correo electrónico y una contraseña controlada por una política de calidad estricta.",{"data":2639,"content":2640,"nodeType":404},{},[2641,2648,2655,2662,2669,2683],{"data":2642,"content":2643,"nodeType":362},{},[2644],{"data":2645,"marks":2646,"value":2647,"nodeType":361},{},[],"Todos los usuarios de la aplicación Pennylane deben autenticarse mediante correo electrónico y una contraseña controlada por una política de calidad estricta, con dos factores de autenticación secundarios obligatorios y diferentes para las operaciones de administración reguladas (como las relacionadas con operaciones bancarias), y un único factor secundario opcional para las demás operaciones.",{"data":2649,"content":2650,"nodeType":362},{},[2651],{"data":2652,"marks":2653,"value":2654,"nodeType":361},{},[],"Les employés de Pennylane doivent utiliser le système d'authentification unique de l’entreprise, avec un second facteur d'authentification obligatoire.\n",{"data":2656,"content":2657,"nodeType":362},{},[2658],{"data":2659,"marks":2660,"value":2661,"nodeType":361},{},[],"La conexión en Pennylane está limitada a un número estricto de intentos con capacidades de bloqueo, requiriendo la validación de los empleados de Pennylane para levantar el bloqueo de seguridad de las cuentas.",{"data":2663,"content":2664,"nodeType":362},{},[2665],{"data":2666,"marks":2667,"value":2668,"nodeType":361},{},[],"Una auditoría global del acceso a los datos, con respecto a los roles y derechos de cada usuario, se realiza cada mes en el marco del programa de auditoría interna centralizada.",{"data":2670,"content":2671,"nodeType":362},{},[2672,2676,2680],{"data":2673,"marks":2674,"value":2675,"nodeType":361},{},[],"Encontrará todos los detalles sobre los accesos a los datos en nuestra ",{"data":2677,"marks":2678,"value":1228,"nodeType":361},{},[2679],{"type":1079},{"data":2681,"marks":2682,"value":1085,"nodeType":361},{},[],{"data":2684,"content":2685,"nodeType":362},{},[2686],{"data":2687,"marks":2688,"value":360,"nodeType":361},{},[],{"metadata":2690,"sys":2693,"fields":2701},{"tags":2691,"concepts":2692},[],[],{"space":2694,"id":2696,"type":413,"createdAt":2697,"updatedAt":2697,"environment":2698,"publishedVersion":72,"revision":2700,"locale":28},{"sys":2695},{"type":12,"linkType":13,"id":14},"3GHc3gakwvD5vHngJA9HXK","2024-10-15T15:10:30.931Z",{"sys":2699},{"id":21,"type":12,"linkType":22},1,{},{"metadata":2703,"sys":2711,"fields":2721},{"tags":2704,"concepts":2709,"contentType":333,"slug":2710},[2705,2707],{"sys":2706},{"type":12,"linkType":972,"id":973},{"sys":2708},{"type":12,"linkType":972,"id":2357},[],"card-with-modal\u002Frole-rgpd",{"space":2712,"id":2714,"type":16,"createdAt":2715,"updatedAt":2716,"environment":2717,"publishedVersion":49,"revision":24,"contentType":2719,"locale":28},{"sys":2713},{"type":12,"linkType":13,"id":14},"heEHijZSsk4lVKt42cXqk","2024-10-16T09:22:41.681Z","2026-09-16T13:26:54.156Z",{"sys":2718},{"id":21,"type":12,"linkType":22},{"sys":2720},{"type":12,"linkType":27,"id":346},{"slug":2722,"title":2723,"subtitle":2724,"text":2725,"image":3456,"extended":31,"reversed":31,"backgroundColor":1248,"indexed":31},"role-rgpd","Enfoque en los roles del RGPD","El responsable del tratamiento: el responsable del tratamiento es la entidad que determina las finalidades y los medios del tratamiento de los datos personales...",{"data":2726,"content":2727,"nodeType":404},{},[2728,2736,2743,2749,2756,2762,2769,2775,2782,2815,2821,2828,2834,2843,2849,2856,2862,2869,2875,2882,2888,2992,2998,3011,3054,3060,3068,3074,3081,3087,3094,3100,3107,3113,3210,3216,3228,3267,3274,3282,3288,3295,3301,3308,3314,3320,3326,3410,3416,3427,3450],{"data":2729,"content":2730,"nodeType":362},{},[2731],{"data":2732,"marks":2733,"value":2735,"nodeType":361},{},[2734],{"type":1170},"Definiciones",{"data":2737,"content":2738,"nodeType":362},{},[2739],{"data":2740,"marks":2741,"value":2742,"nodeType":361},{},[],"Le Responsable de traitement : le responsable de traitement est l'entité qui détermine les finalités et les moyens du traitement des données personnelles.",{"data":2744,"content":2745,"nodeType":362},{},[2746],{"data":2747,"marks":2748,"value":1050,"nodeType":361},{},[],{"data":2750,"content":2751,"nodeType":362},{},[2752],{"data":2753,"marks":2754,"value":2755,"nodeType":361},{},[],"le Sous-traitant : le sous-traitant est l'entité qui traite des données personnelles pour le compte du responsable de traitement, selon ses instructions.",{"data":2757,"content":2758,"nodeType":362},{},[2759],{"data":2760,"marks":2761,"value":1050,"nodeType":361},{},[],{"data":2763,"content":2764,"nodeType":362},{},[2765],{"data":2766,"marks":2767,"value":2768,"nodeType":361},{},[],"le Sous-traitant ultérieur : un sous-traitant ultérieur est une entité engagée par le sous-traitant pour aider à accomplir le traitement des données personnelles pour le compte du responsable de traitement.",{"data":2770,"content":2771,"nodeType":362},{},[2772],{"data":2773,"marks":2774,"value":1050,"nodeType":361},{},[],{"data":2776,"content":2777,"nodeType":362},{},[2778],{"data":2779,"marks":2780,"value":2781,"nodeType":361},{},[],"En fonction des activités de traitement menées, l’expert comptable peut avoir la qualité de responsable de traitement ou de sous-traitant vis-à-vis de son propre client. Les éléments déterminants pour déterminer le rôle vont être : ",{"data":2783,"content":2784,"nodeType":397},{},[2785,2795,2805],{"data":2786,"content":2787,"nodeType":376},{},[2788],{"data":2789,"content":2790,"nodeType":362},{},[2791],{"data":2792,"marks":2793,"value":2794,"nodeType":361},{},[],"el grado de decisión en las modalidades del tratamiento: el responsable del tratamiento es la entidad que decide por qué (las finalidades) y cómo (los medios) deben tratarse los datos personales. Esto incluye la decisión sobre los tipos de datos a recopilar, los plazos de conservación y las medidas de seguridad a aplicar.",{"data":2796,"content":2797,"nodeType":376},{},[2798],{"data":2799,"content":2800,"nodeType":362},{},[2801],{"data":2802,"marks":2803,"value":2804,"nodeType":361},{},[],"le degré d’indépendance ou d’autonomie : le responsable de traitement prend les décisions principales concernant le traitement des données, sans être soumis aux instructions d'un autre acteur concernant le traitement spécifique des données personnelles.",{"data":2806,"content":2807,"nodeType":376},{},[2808],{"data":2809,"content":2810,"nodeType":362},{},[2811],{"data":2812,"marks":2813,"value":2814,"nodeType":361},{},[],"l’existence d’une obligation légale ou d’un contrat identifiant les rôles. Dans certains cas, c’est une loi qui va déterminer directement le rôle d’un acteur. De la même manière l’existence d’un contrat identifiant le rôle de chaque partie est un indice de la qualification à adopter.",{"data":2816,"content":2817,"nodeType":362},{},[2818],{"data":2819,"marks":2820,"value":1050,"nodeType":361},{},[],{"data":2822,"content":2823,"nodeType":362},{},[2824],{"data":2825,"marks":2826,"value":2827,"nodeType":361},{},[],"Voici quelques exemples fondés sur les lignes directrices élaborées par le CNOEC avec le concours de la CNIL : ",{"data":2829,"content":2830,"nodeType":362},{},[2831],{"data":2832,"marks":2833,"value":1050,"nodeType":361},{},[],{"data":2835,"content":2836,"nodeType":362},{},[2837],{"data":2838,"marks":2839,"value":2842,"nodeType":361},{},[2840],{"type":2841},"italic","Supuesto n.º 1: la presentación de las cuentas anuales",{"data":2844,"content":2845,"nodeType":362},{},[2846],{"data":2847,"marks":2848,"value":1050,"nodeType":361},{},[],{"data":2850,"content":2851,"nodeType":362},{},[2852],{"data":2853,"marks":2854,"value":2855,"nodeType":361},{},[],"Ici, les moyens du traitement pour la mission de présentation des comptes annuels sont essentiellement déterminés par l’expert comptable qui organise sa mission de façon autonome et indépendante : son client ne lui donne que des instructions générales. ",{"data":2857,"content":2858,"nodeType":362},{},[2859],{"data":2860,"marks":2861,"value":1050,"nodeType":361},{},[],{"data":2863,"content":2864,"nodeType":362},{},[2865],{"data":2866,"marks":2867,"value":2868,"nodeType":361},{},[],"Dans cette hypothèse, l’expert comptable est considéré comme un responsable de traitement. La plateforme Pennylane, dans la mesure où elle est l’outil de production de l’expert-comptable, et agit sur ses instructions, est un sous-traitant de l’expert-comptable. Le client est quant-à-lui également responsable de traitement pour ses activités de tenue comptable et doit considérer son expert-comptable comme l’un des destinataires dans l’activité de traitement correspondante. ",{"data":2870,"content":2871,"nodeType":362},{},[2872],{"data":2873,"marks":2874,"value":1050,"nodeType":361},{},[],{"data":2876,"content":2877,"nodeType":362},{},[2878],{"data":2879,"marks":2880,"value":2881,"nodeType":361},{},[],"Si l’on résume :",{"data":2883,"content":2884,"nodeType":362},{},[2885],{"data":2886,"marks":2887,"value":1050,"nodeType":361},{},[],{"data":2889,"content":2890,"nodeType":2991},{},[2891,2925],{"data":2892,"content":2893,"nodeType":2924},{},[2894,2905,2915],{"data":2895,"content":2896,"nodeType":2904},{},[2897],{"data":2898,"content":2899,"nodeType":362},{},[2900],{"data":2901,"marks":2902,"value":2903,"nodeType":361},{},[],"Cliente","table-cell",{"data":2906,"content":2907,"nodeType":2904},{},[2908],{"data":2909,"content":2910,"nodeType":362},{},[2911],{"data":2912,"marks":2913,"value":2914,"nodeType":361},{},[],"Asesor contable",{"data":2916,"content":2917,"nodeType":2904},{},[2918],{"data":2919,"content":2920,"nodeType":362},{},[2921],{"data":2922,"marks":2923,"value":1557,"nodeType":361},{},[],"table-row",{"data":2926,"content":2927,"nodeType":2924},{},[2928,2945,2955],{"data":2929,"content":2930,"nodeType":2904},{},[2931,2938],{"data":2932,"content":2933,"nodeType":362},{},[2934],{"data":2935,"marks":2936,"value":2937,"nodeType":361},{},[],"Responsable del tratamiento",{"data":2939,"content":2940,"nodeType":362},{},[2941],{"data":2942,"marks":2943,"value":2944,"nodeType":361},{},[],"\nIl collecte les données qui vont faire l’objet du traitement présentation des comptes annuels",{"data":2946,"content":2947,"nodeType":2904},{},[2948],{"data":2949,"content":2950,"nodeType":362},{},[2951],{"data":2952,"marks":2953,"value":2954,"nodeType":361},{},[],"Responsable del tratamiento\n\nEs destinatario de los datos recopilados por su cliente para la misión de presentación de las cuentas anuales",{"data":2956,"content":2957,"nodeType":2904},{},[2958,2965,2971,2978,2984],{"data":2959,"content":2960,"nodeType":362},{},[2961],{"data":2962,"marks":2963,"value":2964,"nodeType":361},{},[],"Sous-traitant de l’expert comptable\n\nPennylane fournit la plateforme de production comptable à l’expert comptable qui va lui permettre de réaliser sa mission de présentation des comptes annuels. Pennylane agit sur les instruction de l’expert-comptable",{"data":2966,"content":2967,"nodeType":362},{},[2968],{"data":2969,"marks":2970,"value":1050,"nodeType":361},{},[],{"data":2972,"content":2973,"nodeType":362},{},[2974],{"data":2975,"marks":2976,"value":2977,"nodeType":361},{},[],"Encargado del tratamiento del cliente si el cliente está en Pennylane",{"data":2979,"content":2980,"nodeType":362},{},[2981],{"data":2982,"marks":2983,"value":1050,"nodeType":361},{},[],{"data":2985,"content":2986,"nodeType":362},{},[2987],{"data":2988,"marks":2989,"value":2990,"nodeType":361},{},[],"Pennylane proporciona la plataforma de gestión financiera y actúa según sus instrucciones","table",{"data":2993,"content":2994,"nodeType":362},{},[2995],{"data":2996,"marks":2997,"value":1050,"nodeType":361},{},[],{"data":2999,"content":3000,"nodeType":362},{},[3001,3007],{"data":3002,"marks":3003,"value":3006,"nodeType":361},{},[3004,3005],{"type":2841},{"type":1170},"Enfoque en los datos de carácter personal recopilados",{"data":3008,"marks":3009,"value":3010,"nodeType":361},{},[],". Dans le cadre de cette activité de traitement, les données à caractère personnel faisant l’objet du traitement peuvent inclure : ",{"data":3012,"content":3013,"nodeType":397},{},[3014,3024,3034,3044],{"data":3015,"content":3016,"nodeType":376},{},[3017],{"data":3018,"content":3019,"nodeType":362},{},[3020],{"data":3021,"marks":3022,"value":3023,"nodeType":361},{},[],"informations sur l’identité des dirigeants (état civil, données professionnelles par exemple)",{"data":3025,"content":3026,"nodeType":376},{},[3027],{"data":3028,"content":3029,"nodeType":362},{},[3030],{"data":3031,"marks":3032,"value":3033,"nodeType":361},{},[],"información sobre las remuneraciones de los directivos y posibles empleados ",{"data":3035,"content":3036,"nodeType":376},{},[3037],{"data":3038,"content":3039,"nodeType":362},{},[3040],{"data":3041,"marks":3042,"value":3043,"nodeType":361},{},[],"la información contenida en las facturas de clientes y\u002Fo proveedores (por ejemplo, si los contactos de facturación son datos que identifican directa o indirectamente a una persona física, como una dirección de correo electrónico)",{"data":3045,"content":3046,"nodeType":376},{},[3047],{"data":3048,"content":3049,"nodeType":362},{},[3050],{"data":3051,"marks":3052,"value":3053,"nodeType":361},{},[],"le détail des transactions financières, lorsqu’elles se rapportent et permettent d’identifier directement ou indirectement des personnes physiques. ",{"data":3055,"content":3056,"nodeType":362},{},[3057],{"data":3058,"marks":3059,"value":1050,"nodeType":361},{},[],{"data":3061,"content":3062,"nodeType":362},{},[3063],{"data":3064,"marks":3065,"value":3067,"nodeType":361},{},[3066],{"type":2841},"Supuesto n.º 2: la tenencia de la contabilidad",{"data":3069,"content":3070,"nodeType":362},{},[3071],{"data":3072,"marks":3073,"value":1050,"nodeType":361},{},[],{"data":3075,"content":3076,"nodeType":362},{},[3077],{"data":3078,"marks":3079,"value":3080,"nodeType":361},{},[],"Ici, les moyens du traitement pour la tenue de la comptabilité doivent être déterminés par le Client de l’expert-comptable car c’est sur lui que pèse l’obligation légale de tenue de comptabilité. Il décide également du périmètre de la mission (par exemple pour une filiale ou pour un groupe) ainsi que des options fiscales à valider : l’expert-comptable ne dispose alors que peu d’initiative dans la réalisation de sa mission. ",{"data":3082,"content":3083,"nodeType":362},{},[3084],{"data":3085,"marks":3086,"value":1050,"nodeType":361},{},[],{"data":3088,"content":3089,"nodeType":362},{},[3090],{"data":3091,"marks":3092,"value":3093,"nodeType":361},{},[],"Dans cette hypothèse, l’expert comptable est considéré comme un sous-traitant de son client. La plateforme Pennylane, dans la mesure où elle est l’outil de production de l’expert-comptable, et agit sur ses instructions, est un sous-traitant ultérieur de l’expert-comptable. Le client quant-à-lui est également responsable de traitement pour ses activités de tenue comptable et doit considérer son expert-comptable comme l’un de ses sous-traitants.",{"data":3095,"content":3096,"nodeType":362},{},[3097],{"data":3098,"marks":3099,"value":1050,"nodeType":361},{},[],{"data":3101,"content":3102,"nodeType":362},{},[3103],{"data":3104,"marks":3105,"value":3106,"nodeType":361},{},[],"Si l’on résume ",{"data":3108,"content":3109,"nodeType":362},{},[3110],{"data":3111,"marks":3112,"value":1050,"nodeType":361},{},[],{"data":3114,"content":3115,"nodeType":2991},{},[3116,3146],{"data":3117,"content":3118,"nodeType":2924},{},[3119,3128,3137],{"data":3120,"content":3121,"nodeType":2904},{},[3122],{"data":3123,"content":3124,"nodeType":362},{},[3125],{"data":3126,"marks":3127,"value":2903,"nodeType":361},{},[],{"data":3129,"content":3130,"nodeType":2904},{},[3131],{"data":3132,"content":3133,"nodeType":362},{},[3134],{"data":3135,"marks":3136,"value":2914,"nodeType":361},{},[],{"data":3138,"content":3139,"nodeType":2904},{},[3140],{"data":3141,"content":3142,"nodeType":362},{},[3143],{"data":3144,"marks":3145,"value":1557,"nodeType":361},{},[],{"data":3147,"content":3148,"nodeType":2924},{},[3149,3165,3175],{"data":3150,"content":3151,"nodeType":2904},{},[3152,3158],{"data":3153,"content":3154,"nodeType":362},{},[3155],{"data":3156,"marks":3157,"value":2937,"nodeType":361},{},[],{"data":3159,"content":3160,"nodeType":362},{},[3161],{"data":3162,"marks":3163,"value":3164,"nodeType":361},{},[],"\nIl collecte les données qui vont faire l’objet du traitement de tenue de comptabilité",{"data":3166,"content":3167,"nodeType":2904},{},[3168],{"data":3169,"content":3170,"nodeType":362},{},[3171],{"data":3172,"marks":3173,"value":3174,"nodeType":361},{},[],"Encargado del tratamiento\n\nTratará los datos transmitidos por el cliente para la realización de la tenencia de la contabilidad, según las instrucciones del cliente",{"data":3176,"content":3177,"nodeType":2904},{},[3178,3185,3191,3197,3203],{"data":3179,"content":3180,"nodeType":362},{},[3181],{"data":3182,"marks":3183,"value":3184,"nodeType":361},{},[],"Sous-traitant ultérieur de l’expert comptable\n\nPennylane fournit la plateforme de production comptable à l’expert comptable qui va lui permettre de réaliser sa mission de tenue de comptabilité. Pennylane agit sur les instruction de l’expert-comptable",{"data":3186,"content":3187,"nodeType":362},{},[3188],{"data":3189,"marks":3190,"value":1050,"nodeType":361},{},[],{"data":3192,"content":3193,"nodeType":362},{},[3194],{"data":3195,"marks":3196,"value":2977,"nodeType":361},{},[],{"data":3198,"content":3199,"nodeType":362},{},[3200],{"data":3201,"marks":3202,"value":1050,"nodeType":361},{},[],{"data":3204,"content":3205,"nodeType":362},{},[3206],{"data":3207,"marks":3208,"value":3209,"nodeType":361},{},[],"Pennylane proporciona la plataforma de gestión financiera y actúa según las instrucciones del Cliente",{"data":3211,"content":3212,"nodeType":362},{},[3213],{"data":3214,"marks":3215,"value":1050,"nodeType":361},{},[],{"data":3217,"content":3218,"nodeType":362},{},[3219,3224],{"data":3220,"marks":3221,"value":3006,"nodeType":361},{},[3222,3223],{"type":2841},{"type":1170},{"data":3225,"marks":3226,"value":3227,"nodeType":361},{},[],". dans le cadre de cette activité de traitement, les données à caractère personnel faisant l’objet du traitement pourraient être : ",{"data":3229,"content":3230,"nodeType":397},{},[3231,3240,3249,3258],{"data":3232,"content":3233,"nodeType":376},{},[3234],{"data":3235,"content":3236,"nodeType":362},{},[3237],{"data":3238,"marks":3239,"value":3023,"nodeType":361},{},[],{"data":3241,"content":3242,"nodeType":376},{},[3243],{"data":3244,"content":3245,"nodeType":362},{},[3246],{"data":3247,"marks":3248,"value":3033,"nodeType":361},{},[],{"data":3250,"content":3251,"nodeType":376},{},[3252],{"data":3253,"content":3254,"nodeType":362},{},[3255],{"data":3256,"marks":3257,"value":3043,"nodeType":361},{},[],{"data":3259,"content":3260,"nodeType":376},{},[3261],{"data":3262,"content":3263,"nodeType":362},{},[3264],{"data":3265,"marks":3266,"value":3053,"nodeType":361},{},[],{"data":3268,"content":3269,"nodeType":362},{},[3270],{"data":3271,"marks":3272,"value":3273,"nodeType":361},{},[],"\n\n",{"data":3275,"content":3276,"nodeType":362},{},[3277],{"data":3278,"marks":3279,"value":3281,"nodeType":361},{},[3280],{"type":2841},"Supuesto n.º 3: la misión de asesoramiento",{"data":3283,"content":3284,"nodeType":362},{},[3285],{"data":3286,"marks":3287,"value":1050,"nodeType":361},{},[],{"data":3289,"content":3290,"nodeType":362},{},[3291],{"data":3292,"marks":3293,"value":3294,"nodeType":361},{},[],"Ici, les moyens du traitement pour la mission de conseil sont déterminés pour l’essentiel par l’expert-comptable qui organise sa mission de façon autonome et indépendante. ",{"data":3296,"content":3297,"nodeType":362},{},[3298],{"data":3299,"marks":3300,"value":1050,"nodeType":361},{},[],{"data":3302,"content":3303,"nodeType":362},{},[3304],{"data":3305,"marks":3306,"value":3307,"nodeType":361},{},[],"Dans cette hypothèse, l’expert comptable est considéré comme un responsable de traitement. S’il utilise Pennylane pour l’aider dans cette activité de conseil, Pennylane pourra alors être qualifiée de sous-traitant. Le Client est quant-à-lui également responsable de traitement pour ses activités et doit considérer son expert-comptable comme l’un des destinataires dans l’activité de traitement correspondante pour laquelle il sollicite la mission de conseil. ",{"data":3309,"content":3310,"nodeType":362},{},[3311],{"data":3312,"marks":3313,"value":1050,"nodeType":361},{},[],{"data":3315,"content":3316,"nodeType":362},{},[3317],{"data":3318,"marks":3319,"value":3106,"nodeType":361},{},[],{"data":3321,"content":3322,"nodeType":362},{},[3323],{"data":3324,"marks":3325,"value":1050,"nodeType":361},{},[],{"data":3327,"content":3328,"nodeType":2991},{},[3329,3359],{"data":3330,"content":3331,"nodeType":2924},{},[3332,3341,3350],{"data":3333,"content":3334,"nodeType":2904},{},[3335],{"data":3336,"content":3337,"nodeType":362},{},[3338],{"data":3339,"marks":3340,"value":2903,"nodeType":361},{},[],{"data":3342,"content":3343,"nodeType":2904},{},[3344],{"data":3345,"content":3346,"nodeType":362},{},[3347],{"data":3348,"marks":3349,"value":2914,"nodeType":361},{},[],{"data":3351,"content":3352,"nodeType":2904},{},[3353],{"data":3354,"content":3355,"nodeType":362},{},[3356],{"data":3357,"marks":3358,"value":1557,"nodeType":361},{},[],{"data":3360,"content":3361,"nodeType":2924},{},[3362,3378,3388],{"data":3363,"content":3364,"nodeType":2904},{},[3365,3371],{"data":3366,"content":3367,"nodeType":362},{},[3368],{"data":3369,"marks":3370,"value":2937,"nodeType":361},{},[],{"data":3372,"content":3373,"nodeType":362},{},[3374],{"data":3375,"marks":3376,"value":3377,"nodeType":361},{},[],"\nIl collecte les données qui vont faire l’objet du traitement nécessaire à la mission de conseil",{"data":3379,"content":3380,"nodeType":2904},{},[3381],{"data":3382,"content":3383,"nodeType":362},{},[3384],{"data":3385,"marks":3386,"value":3387,"nodeType":361},{},[],"Responsable del tratamiento\n\nTratará los datos transmitidos por el cliente para la realización de su misión de asesoramiento",{"data":3389,"content":3390,"nodeType":2904},{},[3391,3398,3404],{"data":3392,"content":3393,"nodeType":362},{},[3394],{"data":3395,"marks":3396,"value":3397,"nodeType":361},{},[],"Sous-traitant de l’expert comptable uniquement si ce dernier utilise Pennylane pour fournir cette mission de conseil\n\nSous-traitant du client si le client est sur Pennylane",{"data":3399,"content":3400,"nodeType":362},{},[3401],{"data":3402,"marks":3403,"value":1050,"nodeType":361},{},[],{"data":3405,"content":3406,"nodeType":362},{},[3407],{"data":3408,"marks":3409,"value":3209,"nodeType":361},{},[],{"data":3411,"content":3412,"nodeType":362},{},[3413],{"data":3414,"marks":3415,"value":1050,"nodeType":361},{},[],{"data":3417,"content":3418,"nodeType":362},{},[3419,3424],{"data":3420,"marks":3421,"value":3006,"nodeType":361},{},[3422,3423],{"type":2841},{"type":1170},{"data":3425,"marks":3426,"value":3227,"nodeType":361},{},[],{"data":3428,"content":3429,"nodeType":397},{},[3430,3440],{"data":3431,"content":3432,"nodeType":376},{},[3433],{"data":3434,"content":3435,"nodeType":362},{},[3436],{"data":3437,"marks":3438,"value":3439,"nodeType":361},{},[],"liste de partenaires stratégiques avec l’identification des dirigeants",{"data":3441,"content":3442,"nodeType":376},{},[3443],{"data":3444,"content":3445,"nodeType":362},{},[3446],{"data":3447,"marks":3448,"value":3449,"nodeType":361},{},[],"información financiera relativa a personas o sociedades",{"data":3451,"content":3452,"nodeType":362},{},[3453],{"data":3454,"marks":3455,"value":360,"nodeType":361},{},[],{"metadata":3457,"sys":3460,"fields":3468},{"tags":3458,"concepts":3459},[],[],{"space":3461,"id":3463,"type":413,"createdAt":3464,"updatedAt":3465,"environment":3466,"publishedVersion":435,"revision":418,"locale":28},{"sys":3462},{"type":12,"linkType":13,"id":14},"2fHQWc3IzymJhNlfeUxhQf","2024-10-15T17:07:23.219Z","2025-11-13T15:38:43.492Z",{"sys":3467},{"id":21,"type":12,"linkType":22},{},{"metadata":3470,"sys":3474,"fields":3484},{"tags":3471,"concepts":3472,"contentType":333,"slug":3473},[],[],"card-with-modal\u002Faudit",{"space":3475,"id":3477,"type":16,"createdAt":3478,"updatedAt":3479,"environment":3480,"publishedVersion":1351,"revision":50,"contentType":3482,"locale":28},{"sys":3476},{"type":12,"linkType":13,"id":14},"7nful3OTNoRNSOlc8Nt2cm","2024-10-22T09:05:54.672Z","2026-09-16T13:26:54.114Z",{"sys":3481},{"id":21,"type":12,"linkType":22},{"sys":3483},{"type":12,"linkType":27,"id":346},{"slug":3485,"title":3486,"subtitle":3487,"text":3488,"image":3530,"extended":31,"reversed":31,"backgroundColor":1248,"indexed":31},"audit","Auditoría","Control anual por expertos independientes",{"data":3489,"content":3490,"nodeType":404},{},[3491,3524],{"data":3492,"content":3493,"nodeType":397},{},[3494,3504,3514],{"data":3495,"content":3496,"nodeType":376},{},[3497],{"data":3498,"content":3499,"nodeType":362},{},[3500],{"data":3501,"marks":3502,"value":3503,"nodeType":361},{},[],"Pennylane organise des audits continus et réguliers de ses Systèmes d'Information, automatiquement comme par des professionnels internes et indépendants, au moins une fois par an, dans le cadre du processus annuel de certification ISO 27001.",{"data":3505,"content":3506,"nodeType":376},{},[3507],{"data":3508,"content":3509,"nodeType":362},{},[3510],{"data":3511,"marks":3512,"value":3513,"nodeType":361},{},[],"Pennylane déploie des technologies automatisées pour offrir en interne une piste d'audit sur son infrastructure et ses applications, permettant le suivi des changements, la surveillance des bugs et des indisponibilités pour une amélioration continue de la couche logicielle.",{"data":3515,"content":3516,"nodeType":376},{},[3517],{"data":3518,"content":3519,"nodeType":362},{},[3520],{"data":3521,"marks":3522,"value":3523,"nodeType":361},{},[],"La sécurité de l'application Pennylane est régulièrement testée par des chercheurs en sécurité internes et indépendants contre les vulnérabilités et les bugs, au moins 2 fois par an.",{"data":3525,"content":3526,"nodeType":362},{},[3527],{"data":3528,"marks":3529,"value":360,"nodeType":361},{},[],{"metadata":3531,"sys":3534,"fields":3539},{"tags":3532,"concepts":3533},[],[],{"space":3535,"id":3463,"type":413,"createdAt":3464,"updatedAt":3465,"environment":3537,"publishedVersion":435,"revision":418,"locale":28},{"sys":3536},{"type":12,"linkType":13,"id":14},{"sys":3538},{"id":21,"type":12,"linkType":22},{},{"metadata":3541,"sys":3549,"fields":3560},{"tags":3542,"concepts":3547,"contentType":333,"slug":3548},[3543,3545],{"sys":3544},{"type":12,"linkType":972,"id":973},{"sys":3546},{"type":12,"linkType":972,"id":2357},[],"card-with-modal\u002Fconformite-rgpd",{"space":3550,"id":3552,"type":16,"createdAt":3553,"updatedAt":3554,"environment":3555,"publishedVersion":3557,"revision":763,"contentType":3558,"locale":28},{"sys":3551},{"type":12,"linkType":13,"id":14},"77oVqaKt0RYiGl8ByWoJq3","2024-10-15T17:03:05.839Z","2026-09-16T13:26:54.050Z",{"sys":3556},{"id":21,"type":12,"linkType":22},33,{"sys":3559},{"type":12,"linkType":27,"id":346},{"slug":3561,"title":3562,"subtitle":3563,"text":3564,"image":4063,"extended":31,"reversed":31,"backgroundColor":1248,"indexed":31},"conformite-rgpd","La conformidad con el RGPD","En Pennylane, la protección de los datos de carácter personal es una prioridad absoluta. Hemos implementado una serie de medidas rigurosas...",{"data":3565,"content":3566,"nodeType":404},{},[3567,3574,3582,3589,3597,3604,3611,3617,3624,3631,3639,3646,3669,3675,3682,3688,3696,3703,3736,3742,3750,3757,3765,3771,3778,3784,3792,3799,3832,3838,3846,3853,3887,3893,3901,3908,3931,3938,3944,3952,3959,3965,3972,3978,3986,3992,3998,4014,4021,4027,4034,4040,4057],{"data":3568,"content":3569,"nodeType":362},{},[3570],{"data":3571,"marks":3572,"value":3573,"nodeType":361},{},[],"En Pennylane, la protección de los datos de carácter personal es una prioridad absoluta. Hemos implementado una serie de medidas rigurosas para garantizar nuestra conformidad con el Reglamento General de Protección de Datos (RGPD). A continuación se ofrece un resumen de las acciones que hemos emprendido:",{"data":3575,"content":3576,"nodeType":362},{},[3577],{"data":3578,"marks":3579,"value":3581,"nodeType":361},{},[3580],{"type":1170},"Nomination d’un Délégué à la Protection des Données (DPO)",{"data":3583,"content":3584,"nodeType":362},{},[3585],{"data":3586,"marks":3587,"value":3588,"nodeType":361},{},[],"Hemos nombrado un Delegado de Protección de Datos (DPO) cuyos datos de contacto están disponibles en nuestra Política de privacidad. El DPO supervisa todas las cuestiones relativas a la protección de datos en Pennylane.",{"data":3590,"content":3591,"nodeType":362},{},[3592],{"data":3593,"marks":3594,"value":3596,"nodeType":361},{},[3595],{"type":1170},"Cartografía de los tratamientos y Documentación",{"data":3598,"content":3599,"nodeType":362},{},[3600],{"data":3601,"marks":3602,"value":3603,"nodeType":361},{},[],"Nous avons effectué une cartographie complète des traitements et des données qui transitent chez Pennylane. Toutes les activités de traitement de données sont documentées de manière rigoureuse. Nous avons également élaboré un référentiel des durées de conservation. ",{"data":3605,"content":3606,"nodeType":362},{},[3607],{"data":3608,"marks":3609,"value":3610,"nodeType":361},{},[],"Nous tenons à jour un registre des traitements en tant que Responsable de Traitement (RT) et un autre en tant que Sous-Traitant (ST), mis à jour annuellement reprenant les éléments de notre cartographie.",{"data":3612,"content":3613,"nodeType":362},{},[3614],{"data":3615,"marks":3616,"value":1050,"nodeType":361},{},[],{"data":3618,"content":3619,"nodeType":362},{},[3620],{"data":3621,"marks":3622,"value":1913,"nodeType":361},{},[3623],{"type":1170},{"data":3625,"content":3626,"nodeType":362},{},[3627],{"data":3628,"marks":3629,"value":3630,"nodeType":361},{},[],"Ponemos a disposición de nuestros clientes los documentos que detallan los tratamientos que se realizan. Puede consultar en particular nuestra Política de privacidad o nuestras Condiciones generales.",{"data":3632,"content":3633,"nodeType":362},{},[3634],{"data":3635,"marks":3636,"value":3638,"nodeType":361},{},[3637],{"type":1170},"Formación de los Empleados",{"data":3640,"content":3641,"nodeType":362},{},[3642],{"data":3643,"marks":3644,"value":3645,"nodeType":361},{},[],"Formamos regularmente a todos nuestros empleados sobre los requisitos del RGPD para garantizar que comprendan y respeten las mejores prácticas en materia de protección de datos a través de:",{"data":3647,"content":3648,"nodeType":397},{},[3649,3659],{"data":3650,"content":3651,"nodeType":376},{},[3652],{"data":3653,"content":3654,"nodeType":362},{},[3655],{"data":3656,"marks":3657,"value":3658,"nodeType":361},{},[],"sesiones de formación periódicas para todos los empleados.",{"data":3660,"content":3661,"nodeType":376},{},[3662],{"data":3663,"content":3664,"nodeType":362},{},[3665],{"data":3666,"marks":3667,"value":3668,"nodeType":361},{},[],"sesiones específicas para los puestos más expuestos a la manipulación de datos de carácter personal.",{"data":3670,"content":3671,"nodeType":362},{},[3672],{"data":3673,"marks":3674,"value":1050,"nodeType":361},{},[],{"data":3676,"content":3677,"nodeType":362},{},[3678],{"data":3679,"marks":3680,"value":3681,"nodeType":361},{},[],"Nous avons également mis en place un système d’ambassadeurs dans les équipes qui sont les interlocuteurs privilégiés du DPO et qui ont été formés à la réglementation relative aux données à caractère personnel. ",{"data":3683,"content":3684,"nodeType":362},{},[3685],{"data":3686,"marks":3687,"value":1050,"nodeType":361},{},[],{"data":3689,"content":3690,"nodeType":362},{},[3691],{"data":3692,"marks":3693,"value":3695,"nodeType":361},{},[3694],{"type":1170},"Contratos con los Encargados del Tratamiento",{"data":3697,"content":3698,"nodeType":362},{},[3699],{"data":3700,"marks":3701,"value":3702,"nodeType":361},{},[],"Nos aseguramos de que todos nuestros encargados del tratamiento respetan el RGPD mediante:",{"data":3704,"content":3705,"nodeType":397},{},[3706,3716,3726],{"data":3707,"content":3708,"nodeType":376},{},[3709],{"data":3710,"content":3711,"nodeType":362},{},[3712],{"data":3713,"marks":3714,"value":3715,"nodeType":361},{},[],"verificaciones previas a través de nuestro proceso de Compras",{"data":3717,"content":3718,"nodeType":376},{},[3719],{"data":3720,"content":3721,"nodeType":362},{},[3722],{"data":3723,"marks":3724,"value":3725,"nodeType":361},{},[],"à la signature d’Accords de traitement des données (DPA) avec tous nos fournisseurs qui sont amenés à effectuer un traitement de données à caractère personnel.",{"data":3727,"content":3728,"nodeType":376},{},[3729],{"data":3730,"content":3731,"nodeType":362},{},[3732],{"data":3733,"marks":3734,"value":3735,"nodeType":361},{},[],"auditorías de su conformidad",{"data":3737,"content":3738,"nodeType":362},{},[3739],{"data":3740,"marks":3741,"value":1050,"nodeType":361},{},[],{"data":3743,"content":3744,"nodeType":362},{},[3745],{"data":3746,"marks":3747,"value":3749,"nodeType":361},{},[3748],{"type":1170},"Respuesta a las Solicitudes de los Individuos",{"data":3751,"content":3752,"nodeType":362},{},[3753],{"data":3754,"marks":3755,"value":3756,"nodeType":361},{},[],"Nous avons mis en place un processus clair pour répondre aux demandes des individus concernant leurs données à caractère personnel. Pour plus d’informations, vous pouvez consulter notre Politique de confidentialité.",{"data":3758,"content":3759,"nodeType":362},{},[3760],{"data":3761,"marks":3762,"value":3764,"nodeType":361},{},[3763],{"type":1170},"Gestión de los plazos de conservación",{"data":3766,"content":3767,"nodeType":362},{},[3768],{"data":3769,"marks":3770,"value":1050,"nodeType":361},{},[],{"data":3772,"content":3773,"nodeType":362},{},[3774],{"data":3775,"marks":3776,"value":3777,"nodeType":361},{},[],"En tant que responsable de traitement nous avons mis en place un référentiel des durées de conservation afin de déterminer selon les finalités de chaque traitement les durées de conservation adéquates des données qui sont traitées. En application de ce référentiel, les données sont supprimées lorsqu’elles ne sont plus nécessaires. ",{"data":3779,"content":3780,"nodeType":362},{},[3781],{"data":3782,"marks":3783,"value":1050,"nodeType":361},{},[],{"data":3785,"content":3786,"nodeType":362},{},[3787],{"data":3788,"marks":3789,"value":3791,"nodeType":361},{},[3790],{"type":1170},"Evaluación y Actualización de las Políticas",{"data":3793,"content":3794,"nodeType":362},{},[3795],{"data":3796,"marks":3797,"value":3798,"nodeType":361},{},[],"Revisamos regularmente nuestras prácticas para garantizar su conformidad continua con el RGPD mediante:",{"data":3800,"content":3801,"nodeType":397},{},[3802,3812,3822],{"data":3803,"content":3804,"nodeType":376},{},[3805],{"data":3806,"content":3807,"nodeType":362},{},[3808],{"data":3809,"marks":3810,"value":3811,"nodeType":361},{},[],"una revisión anual de los documentos para asegurarse de que se adaptan a los tratamientos efectivamente implementados.",{"data":3813,"content":3814,"nodeType":376},{},[3815],{"data":3816,"content":3817,"nodeType":362},{},[3818],{"data":3819,"marks":3820,"value":3821,"nodeType":361},{},[],"la mise en place d’une procédure de privacy by design qui nous permet de nous assurer que chaque nouvelle fonctionnalité ou développement est réalisé en accord avec le RGPD",{"data":3823,"content":3824,"nodeType":376},{},[3825],{"data":3826,"content":3827,"nodeType":362},{},[3828],{"data":3829,"marks":3830,"value":3831,"nodeType":361},{},[],"des Analyses d’impact lorsque cela est nécessaire",{"data":3833,"content":3834,"nodeType":362},{},[3835],{"data":3836,"marks":3837,"value":1050,"nodeType":361},{},[],{"data":3839,"content":3840,"nodeType":362},{},[3841],{"data":3842,"marks":3843,"value":3845,"nodeType":361},{},[3844],{"type":1170},"Medidas de Seguridad",{"data":3847,"content":3848,"nodeType":362},{},[3849],{"data":3850,"marks":3851,"value":3852,"nodeType":361},{},[],"Hemos implementado medidas técnicas y organizativas de seguridad apropiadas para proteger los datos de carácter personal mediante:",{"data":3854,"content":3855,"nodeType":397},{},[3856,3866],{"data":3857,"content":3858,"nodeType":376},{},[3859],{"data":3860,"content":3861,"nodeType":362},{},[3862],{"data":3863,"marks":3864,"value":3865,"nodeType":361},{},[],"l’obtention d’une certification ISO 27001. Pour en savoir plus, vous pouvez consulter notre page dédiée à la Sécurité.",{"data":3867,"content":3868,"nodeType":376},{},[3869],{"data":3870,"content":3871,"nodeType":362},{},[3872,3876,3884],{"data":3873,"marks":3874,"value":3875,"nodeType":361},{},[],"la difusión del estado de la plataforma en tiempo real: ",{"data":3877,"content":3879,"nodeType":1081},{"uri":3878},"https:\u002F\u002Fstatus.pennylane.com\u002F",[3880],{"data":3881,"marks":3882,"value":3878,"nodeType":361},{},[3883],{"type":1079},{"data":3885,"marks":3886,"value":360,"nodeType":361},{},[],{"data":3888,"content":3889,"nodeType":362},{},[3890],{"data":3891,"marks":3892,"value":1050,"nodeType":361},{},[],{"data":3894,"content":3895,"nodeType":362},{},[3896],{"data":3897,"marks":3898,"value":3900,"nodeType":361},{},[3899],{"type":1170},"Plan de Acción en caso de Violación de Datos",{"data":3902,"content":3903,"nodeType":362},{},[3904],{"data":3905,"marks":3906,"value":3907,"nodeType":361},{},[],"Contamos con un plan de acción detallado para reaccionar rápidamente en caso de violación de datos, que incluye:",{"data":3909,"content":3910,"nodeType":397},{},[3911,3921],{"data":3912,"content":3913,"nodeType":376},{},[3914],{"data":3915,"content":3916,"nodeType":362},{},[3917],{"data":3918,"marks":3919,"value":3920,"nodeType":361},{},[],"une procédure de gestion des incidents incluant si nécessaire une communication aux personnes concernées ainsi qu’à la CNIL",{"data":3922,"content":3923,"nodeType":376},{},[3924],{"data":3925,"content":3926,"nodeType":362},{},[3927],{"data":3928,"marks":3929,"value":3930,"nodeType":361},{},[],"el registro de violaciones que mantenemos actualizado.",{"data":3932,"content":3933,"nodeType":362},{},[3934],{"data":3935,"marks":3936,"value":3937,"nodeType":361},{},[],"D’une manière plus générale, nous avons également élaboré un Plan d’Urgence et de Poursuite d’Activité (PUPA) qui décrit les mesures à prendre pour assurer la continuité des activités essentielles en cas de crise majeure. Il couvre trois scénarios principaux : l'indisponibilité du système informatique, l'absence de personnel clé, et les interruptions d'énergie ou de télécommunications. Le plan inclut des instructions pour les collaborateurs clés, un kit de survie avec des contacts importants, et détaille les processus à suivre pour revenir à une situation normale. Ce document a été rédigé en accord avec les recommandations de l’Ordre des Experts Comptables. Il est mis à jour régulièrement et testé pour garantir son efficacité.",{"data":3939,"content":3940,"nodeType":362},{},[3941],{"data":3942,"marks":3943,"value":1050,"nodeType":361},{},[],{"data":3945,"content":3946,"nodeType":362},{},[3947],{"data":3948,"marks":3949,"value":3951,"nodeType":361},{},[3950],{"type":1170},"Conservation et sort des données à l’issue du traitement",{"data":3953,"content":3954,"nodeType":362},{},[3955],{"data":3956,"marks":3957,"value":3958,"nodeType":361},{},[],"Como responsable del tratamiento, conservamos los datos únicamente durante el tiempo necesario para la realización de los tratamientos que implementamos. Los plazos de conservación en función de las finalidades se describen en nuestra Política de privacidad",{"data":3960,"content":3961,"nodeType":362},{},[3962],{"data":3963,"marks":3964,"value":1050,"nodeType":361},{},[],{"data":3966,"content":3967,"nodeType":362},{},[3968],{"data":3969,"marks":3970,"value":3971,"nodeType":361},{},[],"En tant que sous-traitant, nous conservons les données selon les instructions du responsable de traitement. A l’issue, nous supprimons les données de nos systèmes.",{"data":3973,"content":3974,"nodeType":362},{},[3975],{"data":3976,"marks":3977,"value":3273,"nodeType":361},{},[],{"data":3979,"content":3980,"nodeType":362},{},[3981],{"data":3982,"marks":3983,"value":3985,"nodeType":361},{},[3984],{"type":1170},"Localización de los tratamientos",{"data":3987,"content":3988,"nodeType":362},{},[3989],{"data":3990,"marks":3991,"value":1158,"nodeType":361},{},[],{"data":3993,"content":3994,"nodeType":362},{},[3995],{"data":3996,"marks":3997,"value":1050,"nodeType":361},{},[],{"data":3999,"content":4000,"nodeType":362},{},[4001,4005,4010],{"data":4002,"marks":4003,"value":4004,"nodeType":361},{},[],"Desde 2020 y la decisión Schrems II del TJUE (",{"data":4006,"marks":4007,"value":4009,"nodeType":361},{},[4008],{"type":2841},"TJUE 16 jul. 2020, DPC c. Facebook Ireland Ltd y M. Schrems, asunto C-311\u002F18",{"data":4011,"marks":4012,"value":4013,"nodeType":361},{},[],"), nos aseguramos de que nuestras actividades de tratamiento se desarrollen en la UE, y nuestros subencargados del tratamiento también están todos ubicados en la UE, como se indica en la lista de nuestros subencargados del tratamiento.",{"data":4015,"content":4016,"nodeType":362},{},[4017],{"data":4018,"marks":4019,"value":4020,"nodeType":361},{},[],"Pour les traitements pour lesquels nous sommes responsables de traitement, nous avons également migré sur des serveurs situés dans l’Union européenne les logiciels de tiers que nous utilisons comme sous-traitants notamment, par exemple Intercom ou Google. Pour plus d’informations, vous pouvez consulter notre Politique de confidentialité. ",{"data":4022,"content":4023,"nodeType":362},{},[4024],{"data":4025,"marks":4026,"value":1050,"nodeType":361},{},[],{"data":4028,"content":4029,"nodeType":362},{},[4030],{"data":4031,"marks":4032,"value":4033,"nodeType":361},{},[],"Nous assurons une veille juridique et menons une analyse d’impact des transferts des données (AITD) lorsque cela est nécessaire.",{"data":4035,"content":4036,"nodeType":362},{},[4037],{"data":4038,"marks":4039,"value":1050,"nodeType":361},{},[],{"data":4041,"content":4042,"nodeType":362},{},[4043,4047,4054],{"data":4044,"marks":4045,"value":4046,"nodeType":361},{},[],"Para obtener más información sobre la segurización de nuestro alojamiento, puede consultar la ",{"data":4048,"content":4049,"nodeType":1081},{"uri":1222},[4050],{"data":4051,"marks":4052,"value":4053,"nodeType":361},{},[],"página dedicada a la Seguridad de la plataforma",{"data":4055,"marks":4056,"value":1085,"nodeType":361},{},[],{"data":4058,"content":4059,"nodeType":362},{},[4060],{"data":4061,"marks":4062,"value":1050,"nodeType":361},{},[],{"metadata":4064,"sys":4067,"fields":4072},{"tags":4065,"concepts":4066},[],[],{"space":4068,"id":2613,"type":413,"createdAt":2614,"updatedAt":2615,"environment":4070,"publishedVersion":435,"revision":418,"locale":28},{"sys":4069},{"type":12,"linkType":13,"id":14},{"sys":4071},{"id":21,"type":12,"linkType":22},{},1789661843326]