PUBLISHED BY :
Company name: BNP Paribas Personal Finance
Limited company (Société Anonyme) governed by French law with a share capital of €529,548,810
Listed on the Paris Trade and Companies Register under number 542 097 902
Intermediary in insurance registered under number 07 023 128 (www.orias.fr)
Registered office: 1, boulevard Haussmann – 75318 Paris Cedex 09 – France
Legal representative: Charlotte DENNERY
Website hosted by: Intégra
Director and Head of Publication: Isabelle WOLFF
BNP Paribas Personal Finance undertakes to abide by all legislation concerning the setting up of a website and its activity.
Website designed and produced by E+P
1 | ACCESS TO THE WEBSITE
Access to the Website is free of charge. Charges to use and access the telecommunication network are payable by all users of the website, as per the terms set by their internet access providers and telecoms operators.
Users are reminded that gaining or maintaining fraudulent access to an IT system, interfering with or damaging such a system, or fraudulently adding or altering data contained in an IT system are criminal offences and subject to criminal penalties.
2 | TECHNICAL INFORMATION
Users are reminded that there is no guarantee of confidentiality for correspondence communicated via the internet and that it is the responsibility of each internet user to take all appropriate steps to protect their own data and/or software from contamination by any viruses circulating on the internet.
3 | WEBSITE CONTENT – LIABILITY OF BNP Paribas Personal Finance
BNP Paribas Personal Finance makes all reasonable efforts to ensure that the information provided on this website is accurate and up to date, and reserves the right to amend the content or presentation of this website at any time without prior notice. However, it cannot make any representation or warranty as to either the completeness of this information or the absence of changes to it made by third parties (intrusion, viruses).
BNP Paribas Personal Finance does not warrant or represent or give any guarantee of any kind as to, and shall not in any way be held liable for, the accuracy, absence of errors, veracity, topicality, fair commercial nature, quality, soundness, non-infringement or availability of the information contained on this website.
BNP Paribas Personal Finance disclaims all liability in the event of any delay, error or omission in relation to the contents of these pages or in relation to any service interruption or unavailability.
In this respect, BNP Paribas Personal Finance accepts no liability for any indirect loss or damage of any kind howsoever arising.
BNP Paribas Personal Finance shall not be liable for any decision made on the basis of any information contained on this website, or for the use that might be made of it by third parties, and in particular disclaims all liability for the transmission of confidential information via the Internet.
BNP Paribas Personal Finance shall not be liable for any factor beyond its control or for any loss or damage to any user’s technical environment, including but not limited to the user’s computers, software, network hardware (modems, telephones, etc.) or any other equipment used to access or use the service and/or information.
The website presents services that are offered by BNP Paribas Personal Finance at a charge. By signing up to a service via the Website, the User acknowledges that he/she has read and agrees to be bound by BNP Paribas Personal Finance’s general terms and conditions of sale.
4 | PERSONAL DATA
Personal data collected on this website are processed and recorded by BNP Paribas Personal Finance, as data controller.
Some of these data are mandatory and required for processing your subscription or registration. Data may also be used by BNP Paribas Personal Finance to send you information about BNP Paribas Personal Finance’s activities. These data may be transferred to service providers and subcontractors solely for their performance on behalf of BNP Paribas Personal Finance of certain material and technical tasks related to the abovementioned purposes.
According to the regulation, you can exercise all of your rights on your data (right to access, rectification, erasure, restriction of processing, data portability, right to object and right to organize the management of your data after your death) by writing at the following address: BNP Paribas Personal Finance – Echangeur – Service des données personnelles: 141-143, rue Anatole France, 92300 Levallois Perret- France or by email to: firstname.lastname@example.org
Personal data collected in this way may, with the user’s consent, be transferred to BNP Paribas Personal Finance subsidiaries for the same purposes as above.
Likewise, user may give his/her consent to receive commercial offers from BNP Paribas Personal Finance.
You can object to receiving commercial prospecting by telephone by registering free of charge on the list of opposition to telephone canvassing on the website www.bloctel.gouv.fr. This registration prohibits a professional from approaching you by telephone, unless this solicitation is made in the context of the execution of a current contract and it has a connection with the subject of this contract.
5 | HYPERTEXT LINKS
BNP Paribas Personal Finance is not responsible for any hypertext links towards this website. The creation of hypertext links to the url https://www.echangeur.fr/ is subject to the prior written consent of the website’s Director of Publication. BNP Paribas Personal Finance accepts no liability or responsibility in respect to any website, including but not limited to the content thereof, to which the user may hyperlink from https://www.echangeur.fr/.
6 | COOKIES
Users are informed that when visits are made to this website, a cookie may be installed automatically and temporarily saved in the device’s memory or on its hard drive. A cookie is a small file that without allowing the user to be identified, records information about the user’s movement and activity on the website.
Users of the website acknowledge that they have been informed of this practice and authorise BNP Paribas Personal Finance to use it. Users may disable the cookie by means of the settings in their browser software.
7 | INTELLECTUAL PROPERTY RIGHTS
The whole of this website is subject to international legislation on copyright, trademark, and more generally all intellectual property rights, with respect to each component of its contents (texts, images, data, designs, graphics, photos and sound tracks, etc.) and its form (selection, plan, arrangement of contents, means of access to data, data organisation, etc.). These contents, shown on the pages of this website, are the exclusive property of BNP Paribas Personal Finance and of the BNP Paribas Personal Finance group.
Reproduction and/or representation of all or part of this website or of its pages, data or any other component by any process or on whatever medium whatsoever without the publisher’s express prior consent is strictly prohibited and would constitute copyright infringement and an offence under Articles L335-2 et seq. of France’s intellectual property legislation (Code de la Propriété Intellectuelle).
The trademarks appearing on https://www.echangeur.fr/, including the Echangeur trademark, those of the BNP Paribas Personal Finance Group, and those of BNP Paribas Personal Finance’s partners, as well as the logos appearing on the website, are all registered trademarks in France and/or internationally in a variety of forms.
Any reproduction, in whole or in part, of these trademarks and/or logos operated from items on the website without the express prior authorisation of BNP Paribas Personal Finance and/or the BNP Paribas Personal Finance Group, their shareholders and their partners, is therefore prohibited, as under Article L713-2 of France’s intellectual property code (Code de la propriété intellectuelle).
Similarly, legal action will be taken against anyone using this website or its contents for illegal purposes.
By way of an exception, certain contents (texts, images) are the property of their respective authors.
The reproduction, representation, circulation and redistribution of all or any part of the contents of this Website by any process and in any form or medium whatsoever, as well as any sale, resale, retransmission or other act making said contents available to any third party in any way, are prohibited. Failure to comply with this prohibition would constitute copyright infringement and may give rise to civil or criminal liability action against the party responsible for the infringement.
8 | CPHOTO & CONTENT CREDITS
Every effort has been made to identify the original sources of the texts and visuals used on this Website. Some legal particulars may however have escaped our attention. So that we can rectify any such omissions, please would anyone whose name has been inadvertently left out or used incorrectly inform BNP Paribas Personal Finance by email to: email@example.com
9 | GOVERNING LAW
The contents of this website are under and subject to the laws of France. The User acknowledges the jurisdiction of the courts of the Paris Court of Appeal in all matters concerning the content and use of this website and any claim arising from or in connection with it.