Legal notice

Https://www.bnpparibascardif.com/is an institutional website designed to provide the internet user with information on BNP Paribas Cardif and its companies Cardif Assurance Vie, Cardif-Assurances Risques Divers and Cardif IARD. It also provides links to different BNP Paribas Group sites. The information content on this site is designed for all audiences in France and abroad.

It is published by GIE BNP Paribas Cardif.

  •  Company name: GIE BNP Paribas Cardif

  •  Form: Economic interest grouping governed by Order 67.821 of 23/09/67.

  •  Registered office: 1, boulevard Haussmann 75009 Paris.

  •  Offices: 8 rue du Port - 92728 Nanterre Cedex

  •  Telephone: 01.41.42.83.00

  •  Email address: group_assurance_com_web@bnpparibas.com

  •  Capital: 16,000 euros

  •  Companies Register: 318 246 899 Paris Companies Register

  •  Intra-community VAT No.: FR 70 318 246 899/000 13 

  •  Publication director: Carine Lauru 

  •  Host: Amazon web services EMEA SARL, 5 rue Plaetis L-2338 Luxembourg, Luxembourg


BNP Paribas Cardif recommends that its site users read the following points:

  1. Access to the website
  2. Intellectual and industrial property right
  3. Caution on site content 
  4. Hypertext links
  5. Use of cookies
  6. Modification of this notice and applicable law
  7. Information technology and Liberties


1. ACCESS TO THE WEBSITE


 The site user must have the skills and resources necessary to access and use this site.
It is reiterated that the secrecy of correspondence is not guaranteed on the Internet and that it is the responsibility of every Internet user to take all the appropriate measures to protect his/her personal data. BNP Paribas Cardif cannot be held liable for matters outside of its control or for any damage that may be caused to the user’s technical environment and particularly, computers, software, network equipment and any other equipment used to access or use the service and/or information. 

Moreover, BNP Paribas Cardif has taken all the necessary steps to stream only virus-free information and refuses any liability in case of direct or indirect damages owing to the use of documents or 
information appearing on this site. It is also reminded that it is an offence punishable by criminal sanctions to fraudulently access or connect to a computer system, to tamper or interfere with the functioning of such a system or to fraudulently enter or modify data in a computer system. 

Access to the site is free of charge. The fees to access and use the telecommunication network are payable by the user, in accordance with the terms and conditions established by its access providers and telecommunication operators. 

Lastly, BNP Paribas Cardif reserves the right to discontinue the service at all times, for any reason whatsoever and with no justification and cannot be held liable for the consequences of such discontinuation.
 

2. INTELLECTUAL AND INDUSTRIAL PROPERTY RIGHT


 All the information contained on this site, namely data, drawings, graphics, photos, downloadable documents, are protected under the intellectual property rights held by BNP Paribas Cardif or by its partners. These rights cover both, the site content and the form, which remain the exclusive property of BNP Paribas Cardif.

Therefore, none of this information may be, whether in whole or in part, extracted, copied, reproduced, modified, redistributed, translated, published, circulated, posted, used for commercial purposes, transmitted or distributed by any means or on any medium whatsoever, without the express written prior consent from BNP Paribas Cardif.

The use of automated systems or software in particular, to enter or extract data from this website is strictly prohibited.
 

3. CAUTION ON SITE CONTENT

 Accuracy, completeness and precision of information
BNP Paribas Cardif, the publisher of this site, strives to ensure that the information on this site is correct and up-to-date from the moment it is published online. However, it does not, in any manner, guarantee the accuracy, precision or completeness of information provided on the site, and reserves the right to modify or correct the information and documents published on the site, at any time and without prior notice.

In fact, BNP Paribas Cardif refuses all liability for any imprecision, lack of accuracy, omission or modification of information available on the site, particularly in case of changes in administrative and legal provisions, as well as for any damage resulting from a fraudulent intrusion by third parties, especially when it may entail a modification in the information available on the site. 

In this regard, BNP Paribas Cardif cannot be held liable for the content and use of these pages by the user, namely, for all direct or indirect damages caused by accessing or using the site or by the impossibility of having access to it.
BNP Paribas Cardif reserves the right to modify this information provided on the site, without any prior notice.

Non-contractual information 
The information in these pages is non-contractual and should not be construed as an offer of products or services. Under no circumstance is it a declaration, guarantee or obligation on the part of BNP Paribas Cardif concerning the products and services offered.

BNP Paribas Cardif cannot be held liable for any decision made on the basis of the information contained on the site or for the use of said information by third parties. 

Any person wishing to obtain one or several products and/or services offered on the site, must seek help from a professional in the field regarding the contractual and pricing conditions applicable to this/these product(s) and/or service(s). 

Moreover, access to products and services displayed on the site may be restricted to certain individuals or in certain countries. BNP Paribas Cardif shall not provide any products and/or services to a person if forbidden by the law of his/her country of origin or of any other country concerning him/her. However, it is the responsibility of the persons concerned to verify in advance with their usual advisors that their legal and fiscal status permits them to subscribe to the products and/or services on the site.
 

4. HYPERTEXT LINKS 

This site provides hypertext links, providing access to other sites not published by BNP Paribas Cardif. Therefore, the latter cannot be held liable for the content of the sites to which the user has access thereby. BNP Paribas Cardif is neither liable for the integral respect of the public policy standards and morality, on the one hand, nor for their policy for protecting personal data or for the use of such data, on the other hand. 

By accessing another site through a hyperlink, the user accepts that said access is made at his/her own risk. Therefore, BNP Paribas Cardif may not be held liable for any direct or indirect damages resulting from access to another site through a hypertext link. BNP Paribas Cardif also wishes to draw the internet user’s attention to public forums where he/she will have to state his/her identity or email address. This information is thus public and may be used by a third party using this service.

Lastly, the creation of hypertext links to this site requires a prior authorisation from the publisher.


5. MODIFICATION OF THIS NOTICE AND APPLICABLE LAW

 It is subject to the law applicable in France. BNP Paribas Cardif reserves the right to modify or make additions to these legal notices at any time and without any prior notice. BNP Paribas Cardif thus requests the site user to consult it regularly.
 

6 - INFORMATION TECHNOLOGY AND LIBERTIES

The personal data of users, collected and processed on this site allows GIE BNP Paribas Cardif to: 

  •     process the requests for information on request of the user as well as the complaints received via contact forms,

  •     analyse user traffic to offer an enriched and customised experience to the users,

  •     ensure the continuity and security of the site; 

  •     carry out studies for statistical purposes.


GIE BNP Paribas Cardif is liable for these processing operations.
The processing operations carried out on the site are necessary to fulfil the legitimate interests of BNP Paribas Cardif, as a publisher of this site.  
The user’s personal data will not be transferred outside the European Economic Area. The information that the user sends via this site will be analysed and transmitted to different departments concerned for its processing.
The user’s personal data will be kept for the period necessary for the purposes for which it is processed and for a maximum of 3 years from the date of its collection or the last contact between BNP Paridas Cardif and the user.  
The cookies and other login and monitoring data are kept for a period of 13 months from the date of their collection.
The telephone records to improve the quality of services and for advisor training are kept for 6 months. The analysis documents from these records are kept for 1 year.

In accordance with the applicable regulations, the user has the following rights: 

  •     Right to access: the user can obtain the information regarding the processing of his/her personal data, and a copy of such personal data. 

  •     Right to rectify: when the user thinks that his/her personal data is inaccurate or incomplete, he/she can request for such personal data to be modified accordingly. 

  •     Right to erase: the user can request to delete his/her personal data, to the extent permitted by law. 

  •     Right to restrict: the user can request to restrict the processing of his/her personal data. 

  •     Right to object: the user can object to the processing of his/her personal data, on grounds relating to his/her particular situation. The user has the absolute right to object to the processing of his/her personal data for marketing purposes, which includes profiling insofar as it is related to such marketing.

  •     Right to withdraw consent: when the user has given his/her consent for the processing of his/her personal data, he/she has the right to withdraw his/her consent at any time.

  •     Right to data portability: in certain cases, the user has the right to retrieve the personal data that he/she has provided to us, or where it is technically feasible, to request the transfer of such data to another controller.

In order to exercise one of the abovementioned rights, kindly send a letter or mail to the following address: 
BNP Paribas CARDIF - DPO
8, rue du Port, 92728 Nanterre Cedex-France, or
data.protection@cardif.com
In accordance with the applicable regulations, in addition to the abovementioned rights, the user is also entitled to lodge a complaint with CNIL (French data protection agency) (or any other competent supervisory authority).


The user must attach a self-attested copy of an identification document to his/her application.