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Legal information

 

http://www.bnpparibascardif.com/ is an institutional site, providing visitors on the web with information on BNP Paribas Cardif and its companies, Cardif Assurance Vie, Cardif-Assurances Risques Divers and Natio Assurance . It also supplies hypertext links for access to other BNP Paribas Group sites. The information contents are designed for all audiences in France and abroad. BNP Paribas Cardif is the site publisher:
- Corporate name : GIE BNP Paribas Cardif 
- Form: Economic Interest Group, under court provision 67821 – 23/09/67.
- Head Office: 1, boulevard Haussmann 75009 Paris.
- Offices: 8 rue du Port, 92728 Nanterre Cedex
- Phone number: (+33) 1.41.42.83.00
- Capital: € 16,000 - RCS* : 318 246 899 RCS Paris
- Siren* : 318 246 899
- Siret* : 318 246 899 00849
- APE* : 7490B
- Legal Representative: Pierre de Villeneuve, Sole Administrator
- Editor-in-Chief: Ms. Sally Guilbert, Head of Communications
- Contact person: Ms Sophie Le Blévec, Head of external communications - Host site: Eolas
- Design: BNP Paribas Cardif Communication Department

* Registration components, mandatory under French legislation.

BNP Paribas Cardif recommends that site users read the following articles:

1 - Access to site
2 - Intellectual and Industrial property rights
3 - Advisory caution on site contents
4 - Hypertext links
5 - Use of cookies
6 - Modification of legal information and applicable law
7 – Access and rectification rights - Compliance with legislation on IT and Individual Freedom

1. ACCESS TO SITE

Site users must have the proven expertise and the means to access and use the site.

Confidentiality of exchanges is not guaranteed on the Internet and responsibility for the protection of personal data is borne solely by the user. BNP Paribas Cardif can not be held liable for components not under its control or for potential damage to the user's technical environment, such as hardware, software, networks and all other equipment used to access/use the service and/or data.

BNP Paribas Cardif has taken all necessary steps to stream only virus-free data and will not accept any responsibility for direct or indirect damage resulting from the use of site documents or data. It must also be remembered that fraudulent access or use of information systems, tampering with information systems, and fraudulent insertion or modification of data in information systems are liable to prosecution.

Access is free of charge. Rates covering access and use of telecommunication networks are invoiced to the client, under the contractual terms applied by Internet providers and telecommunication operators.

BNP Paribas Cardif reserves the right to interrupt service at all times, for whatever reason, without justification, and may not be considered as liable for the consequences of interruption.

2. INTELLECTUAL AND INDUSTRIAL PROPERTY RIGHTS

All site contents, namely data, designs, graphics, pictures, downloads, are protected under the intellectual property rights detained by BNP Paribas Cardif or partners. These rights cover both the site form and contents, which remain the sole and exclusive property of BNP Paribas Cardif.

Consequently, full or partial data reproduction, representation, insertion, use, modification, circulation, retransmission, translation, sale or reuse are strictly prohibited, without prior express written authorization from BNP Paribas Cardif.

Violations of the above will be judged as acts of piracy (counterfeiting) under article L713-2 of the Code on Intellectual Property, involving the civil and criminal liability of the perpetrator. BNP Paribas Cardif declines any civil liability in cases of fraudulent use of all or part of its site. The criminal sanction for piracy will be applied as per articles L335 – 2 and following, of the Code on Intellectual Property.

 

3. ADVISORY CAUTION ON SITE CONTENTS

Accuracy, completeness and precision of data
The site publisher, BNP Paribas Cardif, strives towards ensuring the accuracy and updates of site contents when they are posted. However, this is not a guarantee as to the accuracy, completeness or precision of data, and BNP Paribas Cardif reserves the right to modify or correct the contents of information and documents posted on line, at any time and without prior warning.

In fact, BNP Paribas Cardif declines all responsibility in case of imprecision, inaccuracy, omission or modification of information available on line, namely in case of administrative and legal changes, as well as in all cases of damage resulting from fraudulent access by third parties, particularly when such intrusion results in modifications to the contents on line.

In this regard, the responsibility of BNP Paribas Cardif can not be engaged as concerns the contents and use of current pages, direct or indirect damages resulting from site access or use, or log-on difficulties.

Non contractual Information
The information in these pages is non contractual, and may not be considered as an offer of products or services; it is neither an assertion, guarantee or commitment by BNP Paribas Cardif regarding the products and services displayed.

BNP Paribas Cardif assumes no responsibility for decisions made on the basis of site contents, or for the use of said contents by third parties.

Any person wishing to obtain one or several products or services displayed on line, must ask a specialist for the contractual and pricing terms applicable to these products and/or services.

Furthermore, access to products and services on line may be restricted for certain individuals or countries. Products or services will not be provided by BNP Paribas Cardif when they are prohibited under national or other legislation. It however remains the responsibility of interested parties to ask the advice of their usual counsels and confirm that they hold the legal and fiscal status to underwrite products and/or services posted on line.

4. HYPERTEXT LINKS

 

The site contains hypertext links, giving access to sites not published by BNP Paribas Cardif . Consequently, the latter may not be held responsible for the contents of sites accessed in this way by users. BNP Paribas Cardif declines responsibility both regarding the degree of site compliance to standards on public order and good character, and policies on personal data protection and use.

In the case of access to other sites through hypertext links, the responsibility is borne solely by the user, and BNP Paribas Cardif is not liable for any ensuing direct or indirect damage. BNP Paribas Cardif also advises caution on the use of public forums requiring user identity or electronic address: the information then becomes public and may be used by third parties accessing the same site.

Lastly, the site publisher must give prior express authorization before hypertext links to its site are created.

5. MODIFICATION IN CURRENT INFORMATION AND COMPETENT LEGISLATION

French legislation applies. BNP Paribas Cardif reserves the right to modify or complete the legal information at any time, without prior warning. Users are therefore required to regularly check for changes.

6. ACCESS AND RECTIFICATION RIGHTS – COMPLIANCE WITH LEGISLATION ON IT AND INDIVIDUAL FREEDOM

 

The information transmitted by users via the site will be analyzed and distributed to the relevant departments for processing. Users are given the right to access, modify, rectify and delete data collected on the site, under the conditions defined by legislation relating to IT, data files and individual freedom. Users who wish to exert their rights may write to:

BNP Paribas Cardif 
Direction de la Communication
8 rue du Port
92728 Nanterre Cedex
(+33) 1.41.42.83.00