LEGAL NOTICES

1. Introduction to legal notices

This legal notice defines the operating and usage rules for the BNP Paribas Epargne & Retraite Entreprises website and mobile application, a business of the BNP Paribas Group.

 

PERSONEO https://personeo.epargne-retraite-entreprises.bnpparibas.com (hereinafter, the “Website”) is a website that primarily allows, subject to the conditions set out in the General Terms of Use and provided these conditions are met, individuals enrolled in employee savings plans (company savings plans, group retirement plans, profit-sharing plans) set up by companies having signed an account opening agreement or a service agreement with BNP Paribas - Epargne & Retraite Entreprises relating to maintaining locked-in accounts, to obtain information of a general nature relating to an employee savings or company retirement plan, and also see the account balance and details of their savings, their transaction history, the 5-year performance of the relevant company investment funds/SICAVs, and the cases in which early unlocking of savings is permitted in addition to the supporting documentation to be submitted. These individuals can also carry out a number of transactions (fund-switching/transfer, withdrawing available or locked-in savings, voluntary contributions, etc.) depending on the agreements in place in their company.

The Website and the application also have simulation tools.

 

The PERSONEO mobile application (hereinafter the “Application”) also allows the individuals referred to above, subject to the conditions set out in the General Terms of Use and provided these conditions are met, to see their account balance and the details of their savings, monitor their transactions, view their transaction history, make voluntary one-time contributions, switch/transfer investment vehicles, and fill out an application to withdraw their available savings.

The contents of the Website and the Application are provided by BNP Paribas and BNP Paribas Asset Management Europe:

BNP Paribas

Legal Representative: Jean-Laurent Bonnafé

A public limited company with share capital of: €2,294,954,818

Registered office: 16, boulevard des Italiens - 75009 Paris

registered under no. 662 042 449 RCS Paris

VAT identification number: FR 76 662 042 449 - www.bnpparibas.com

French register of insurance intermediaries (ORIAS) N° 07022735

N° ADEME : FR200182_01XHWE

 

BNP Paribas Asset Management Europe

A simplified joint stock company with share capital of: €120,340,176

Registered office: 1, boulevard Haussmann - 75009 Paris

Registered under no. 319 378 832 RCS Paris

Intra-community VAT number: FR 93 319 378 832 - www.bnpparibas-am.com

Asset management company no. GP 96002

N° ADEME : FR200182_01XHWE

 

GIE BNP Paribas Cardif

French consortium (Groupement d’Intérêt Economique) governed by Ordinance 67.821 of 23/09/67

Share capital: €16,000

Registered office: 1, boulevard Haussmann - 75009 PARIS

Registered under no. 318 246 899 RCS Paris

N° ADEME : FR200182_01XHWE

 

The pension products promoted on the Website and the Application are insured by Cardif  Retraite and may be distributed by BNP Paribas:

Cardif Retraite

French joint-stock company (société anonyme) with share capital of: € 408,514,850

Registered office: 1, boulevard Haussmann – 75009 Paris-France

Offices: 8, rue du Port - 92728 Nanterre cedex-France

Registered under no. 903 364 321 RCS Paris

Intra-Community VAT number: FR 12 732 028 154

Supplementary Professional Retirement Fund governed by the Insurance Code.

N° ADEME : FR200182_01XHWE

 

BNP Paribas

Legal Representative: Jean-Laurent Bonnafé

A public limited company with share capital of: €2,294,954,818

An Insurance Brokerage - Financial Guarantee and Professional Liability Insurance in compliance with Articles L 512-6 and L 512-7 of the Insurance Code

Registered with ORIAS under no. 07022735

Registered office: 16, boulevard des Italiens - 75009 Paris-France

Registered under no. 662 042 449 RCS Paris

VAT identification number: FR 76 662 042 449 - www.bnpparibas.com

N° ADEME : FR200182_01XHWE

 

Officer responsible for publishing the Website and the Application: Jean-Laurent BONNAFÉ.

The designer of the Website and the Application is S2E.

Website hosting is provided by:

Thales Services SAS

Registered office: 20-22, rue Grange Dame Rose - 78140 Vélizy-Villacoublay

Phone: +33 1 73 32 00 00

Mobile Application hosting is provided by:BNP Paribas - Epargne & Retraite Entreprises

Registered office: 16, boulevard des Italiens - 75009 Paris

The publisher undertakes to comply with all laws governing the creation of a website and mobile application.

 

2. Accessing the Website and the Application

You acknowledge that you have the requisite skills and means to access and use the Website and the Application.

The confidentiality of correspondence over the Internet is not guaranteed and it is your responsibility to take all appropriate steps to protect your data and your hardware environment (in particular, your computers, software, networking equipment and any hardware used to access the Website and the Application) to prevent infection by viruses circulating on the Internet.

We shall not be held liable for any direct or indirect damage that may be incurred by your technical environment and, in particular, your computers, mobile phones, tablets, software, network equipment and any other equipment used to access or use the service and/or information.

In addition, we make every effort to relay virus-free information and we assume no liability for direct or indirect damage resulting from the use of documents or information available on the Website or Application.

Also, as a reminder, accessing or remaining in a computer system under false pretences, hindering or misrepresenting the operation of such a system, and fraudulently introducing or modifying data in a computer system constitute offences subject to criminal penalties.

Access to the Website and Application is free-of-charge. Charges for access to and use of the telecommunications network are your responsibility under the terms of your telecommunications access providers and operators.

Finally, we reserve the right to interrupt the service at any time, for any reason whatsoever, with no need for justification, and cannot be held responsible for the consequences of such interruptions.

 

3. Intellectual property

All the information on the Website and Application, including any content reproduced therein such as stories, data, drawings, graphics, photos, text, sounds, downloadable documents, etc. are protected by intellectual property rights owned by BNP Paribas SA, BNP Paribas Asset Management Europe, Cardif Retraite, GIE BNP Paribas Cardif.

Therefore, none of this information may be reproduced, represented, affixed, used, modified, distributed, redistributed, translated, commercially exploited or reused in any way whatsoever, in whole or in part, without our prior, express, written authorisation.

Violating this prohibition would constitute infringement within the meaning of Article L713-2 of the Intellectual Property Code, for which the infringer can be held civilly and criminally liable. We will assume no civil liability for the fraudulent use of all or part of our Website or Application or their contents. Infringement is criminally sanctioned under Articles L335-2 et seq. of the Intellectual Property Code.

The brands belonging to BNP Paribas appearing on the Website and Application are trademarked in France and internationally for various uses by BNP Paribas SA. Pursuant to the provisions of Article L713-2 of the Intellectual Property Code, reproducing or representing these brands, in whole or in part, via the Website or the Application without the prior express authorisation of BNP Paribas SA is strictly prohibited.

 

4. Disclaimer concerning the information available on the Website and Application

We do our utmost to ensure that the information displayed on our Website and Application is accurate and up to date at the time it is published online. However, we can in no way guarantee the accuracy, exactness or completeness of the information provided on the Website and Application and reserve the right to amend or correct the content of the information and documents published on the Website and Application at any time and without notice.

We shall not be held liable for any inaccuracies, misstatements, omissions or modifications of the information provided on the Website or Application that might occur in the event of changes to administrative and legal measures, and for any damage resulting from the fraudulent intrusion by a third party, in particular where it might result in the alteration of the information provided on the Website or Application.

In this respect, we shall not be held liable for the content of the Website and Application and how this content may be used, namely for any direct or indirect damage that might be caused by accessing or using the Website or the Application by anyone whomsoever or if the Website or Application cannot be accessed.

 

5. Non-contractual information

The information provided on the Website and Application is non-contractual and cannot be considered as offers of services or products. It in no way constitutes an assertion, guarantee or commitment by BNP Paribas SA, BNP Paribas Asset Management Europe, Cardif Retraite, GIE BNP Paribas Cardif concerning the products and services presented.

We shall not be held liable for any decision taken based on information found on the Website or Application or how this information may be used by third parties.

If you are interested in one or more of the products and/or services presented on the Website or Application, we invite you to seek out a professional to advise you on the contractual terms and the prices applicable to such products and/or services.

In addition, access to the products and services described on the Website and Application may be restricted for certain persons or in certain countries. No product and or service will be provided to any individual if the law of his/her home country or any country relevant to this individual prohibits it. If you are interested in the products and/or services promoted on the Website or Application, it is your responsibility to consult your usual advisers in advance to ensure that your legal or tax status allows you to subscribe to them.

 

6. Hyperlinks

Our website contains hyperlinks to websites that do not belong to us. We cannot be held responsible for the content of websites you may connect to from our Website. We are neither responsible for their full compliance with public order and good moral standards, nor for their data protection policy and use of personal data.

By following a link to an outside website, you acknowledge that you are accessing that website at your own risk. Finally, the creation of hyperlinks to our Website or Application is subject to the publisher’s prior authorisation.

 

7. Modification of these terms and applicable law

We reserve the right to modify or supplement this legal notice at any time without notice. We therefore invite you to regularly consult the “Legal notices” section.

These Terms of Service are subject to French law.

Users acknowledge the jurisdiction of the French courts for all matters relating to the content and use of the Website or the Application and appeals resulting therefrom.

8. Personal data protection

The data you provide on the Website and the Application are processed by BNP Paribas Épargne & Retraite Entreprises to meet its legal and regulatory obligations, for the management of company savings plans and for its own legitimate interest. BNP Paribas Épargne & Retraite Entreprises publishes its Data Protection Notice to provide you with detailed information on how your personal data are protected.

We are the Data Controller for the processing of your personal data in relation to our activities. This Data Protection Notice is available on the website http://www.epargne-retraite-entreprises.bnpparibas.com under the heading “Data Protection” (https://www.epargne-retraite-entreprises.bnpparibas.com/epargnants/Pages/protection-des-donnees). The purpose of this Notice is to inform you of the types of data we collect from you or your company, the reasons why we use and share such data, how long we keep the data, your privacy rights and how you can exercise these rights. You can exercise your rights mentioned in the Notice by e-mail or post, using the contact details shown on the Website under “Contact Us” or in the Application under “Contact”.

9. Simulations

The simulations available have no contractual value and are not binding upon us insofar as they do not constitute a firm offer to enter into a purchase or sale agreement.

They are strictly indicative with no express or tacit guarantee and they are no substitute for commercial disclosure or advice from a professional.

We shall not be held liable for any decision taken based on information contained on the Website or for the use that might be made of it.

Furthermore, the disclosures and data you provide for these simulations will be retained for a period of one year if you save your simulation so that you can retrieve it during this period.