TERMS AND CONDITIONS
This website is published by Société Générale:
Société Anonyme with a capital stock of € 1 006 509 557,50 as of January 08, 2015
Paris Trade Register No. 552 120 222
APE No.: 651C
Registered Office: 29 Boulevard Haussmann 75009 Paris
VAT No: FR 27 552 120 222
Legal Representative: Mr Frédéric OUDÉA, Chief Executive Officer
Publication Manager: Mrs. Caroline GUILLAUMIN
This website is hosted by: Société Générale
This website is governed by French law.
Société Générale is a French credit institution (bank) authorized by the Autorité de Contrôle Prudentiel (or Prudential Control Authority per its translation to the English language) (ACP, 61, rue Taitbout 75 436 Paris Cedex 09) and controlled by this Authority and by the Autorité des Marchés Financiers (or Financial Market Authority per its translation to the English language) in France to act as a credit institution and investment firm (hereafter « investment services bank »), entitled to perform any banking activity or to provide any investment service except the operation of Multilateral Trading Facilities, under the provisions of the French Code Monétaire et Financier (Monetary and Financial Code per its translation to the English language).
Contents of this website
Société Générale, any other entity member of the Group Société Générale and any third party contributor (the “Contributors”) shall make their best efforts to ensure that the information displayed on this website is accurate and up-to-date; Société Générale and the Contributors reserve their right to amend the content of this website at any time, without prior notice. However, they are not able to guarantee that the information herein is complete or that it will not be modified by a third party (for example in the event that this website was infected by, particularly but not limited to, any kind of malware, in spite of all the precautions taken by Société Générale). SOCIÉTÉ GÉNÉRALE AND THE CONTRIBUTORS HEREBY DISCLAIM ANY AND ALL DIRECT OR INDIRECT LIABILITY RELATED TO OR CAUSED BY ANY DELAY, ERROR OR OMISSION IN THE CONTENTS OF THIS WEBSITE, AS WELL AS FROM THE USE, THE INTERRUPTION OR NON-AVAILABILITY OF THIS WEBSITE. THEREFORE, SOCIÉTÉ GÉNÉRALE AND THE CONTRIBUTORS SHALL NOT BE HELD LIABLE FOR ANY INDIRECT CONSEQUENTIAL LOSS OR DAMAGE, INCLUDING, BUT NOT LIMITED TO: (I) ANY DAMAGE OR LOSS ARISING FROM ANY TRANSACTION CARRIED OUT ON THE BASIS OF THE INFORMATION HEREIN; (II) ANY LOSS OF PROFIT, LOSS OF BUSINESS, OR ANY OTHER LOSS ARISING FROM AN INTERRUPTION TO THE SERVICE; OR, (III) THE INCREASE OF THE FEES OR CHARGES FOR ACCESSING AND PROCESSING THE INFORMATION. FURTHER, SOCIÉTÉ GÉNÉRALE AND THE CONTRIBUTORS SHALL NOT BE HELD LIABLE NEITHER FOR THE RESULTS OF ANY FACTOR BEYOND THEIR CONTROL NOR FOR ANY EVENTUAL LOSS OR DAMAGE TO YOUR TECHNICAL ENVIRONMENT, INCLUDING, BUT NOT LIMITED TO, HARDWARE, SOFTWARE, OR ANY OTHER EQUIPMENT USED TO ACCESS THIS WEBSITE OR USE THE SERVICES AND/OR THE INFORMATION HEREIN. FINALLY, SOCIÉTÉ GÉNÉRALE AND THE CONTRIBUTORS DO NOT GUARANTEE, NOR SHALL THEY BE HELD LIABLE, UNDER ANY CIRCUMSTANCE, FOR THE SUITABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, SEQUENCE, ACCURACY, ABSENCE OF ERRORS, VERACITY, TOPICALITY, LOYAL AND COMMERCIAL NATURE, QUALITY, SOUNDNESS, NON-INFRINGEMENT OR AVAILABILITY OF THE INFORMATION CONTAINED ON THIS WEBSITE.
YOU UNDERTAKE TO ACCESS AND USE THE INFORMATION CONTAINED ON THIS WEBSITE FOR YOUR OWN PERSONAL AND NON-COMMERCIAL USE ONLY.
Information about Financial Instruments
The terms and conditions relating to financial instruments are indicative. The information about financial instruments in question do not constitute on the part of Société Générale either an offer to purchase, sell or subscribe financial products or services (including banking and insurance products), or a solicitation of an offer to buy or sell. SOCIÉTÉ GÉNÉRALE AND THE CONTRIBUTORS HEREBY DISCLAIM ANY AND ALL LIABILITY RELATED TO THE ACCURACY, COMPLETENESS OR ADEQUACY OF THE INFORMATION DRAWN FROM EXTERNAL SOURCES, ALTHOUGH THIS INFORMATION COMES FROM SOURCES DEEMED RELIABLE. When simulated past performance or past performance are presented, the relevant data pertaining to past periods are not a reliable indicator of future results. This applies even to the evolution of historical market data. When simulations of future performance are presented, the data for these performances are only predictions and are not a reliable indicator of future performance of the product. In addition, when past performance or simulated past performance are based on data expressed in a currency other than that of the State of the investor, the potential gains can increase or decrease based on changes exchange rate. Finally, when past performance or simulated performance (whether past or future) are presented, any gains can also be reduced by the effect of commissions, fees or other charges incurred by the investor.
Should you wish to obtain any of the products or services displayed herein, please contact Société Générale to obtain information on the availability, contractual terms, conditions and prices.
Product subscription and Investment services provision
In accordance with its legal and regulatory requirements (particularly under the Market in Financial Instruments Directive (MiFID)), and depending on the type of financial instruments involved and your classification as agreed with Société Générale, Société Générale may be required to verify that the financial instruments are suitable or appropriate to your investment or hedging objectives, financial capacity, knowledge and experience.
Without prejudice to the legal and regulatory requirements of Société Générale, investors must implement before investing in the product or entering into any transaction relating thereto, their own analysis of the product and its risks, particularly in terms of legal, tax and accounting, without relying solely on information supplied to them ; investors should consult, as deemed necessary, their own advisers on the matter or any other professional. SUBJECT TO COMPLIANCE WITH LEGAL OR REGULATORY REQUIREMENTS, SOCIETE GENERALE WILL NOT BE HELD LIABLE FOR FINANCIAL CONSEQUENCES OR ANY NATURE WHATSOEVER ARISING FROM ANY TRANSACTION RELATING TO THE PRODUCT OR INVESTMENT IN THE PRODUCT.
The on-line request of subscription of a product or service offered by Société Générale requires of the acceptance of the latter and shall not be valid without it. Such subscription implies the subscriber’s acceptance to the applicable contractual conditions and fees, and its submission to French law.
This entire website is governed by international legislation on copyright, trademark and intellectual property in general, both as they are applicable to its form (editorial choices, layout, topics, means for accessing data, display, etc.), and to its content (text, images, etc.). The contents displayed on this website are of the exclusive property of Société Générale Group and the Contributors, respectively. You also undertake not to use this content for illegal purposes and not to allow anyone to do so.
By way of exception, some of the content (text, images) is the property of their respective authors. Any reproduction, representation, diffusion or re-diffusion, in whole or in part, of the contents of this website on any medium or by any means whatsoever (including, but not limited to, caching, framing), as well as any sale, resale, retransmission or any other act tending to make such contents available to any third party in any manner whatsoever shall be prohibited. Failure to comply with these restrictions shall constitute a forgery engaging the civil and criminal liability of the forger. .
Société Générale shall not be liable for the hypertext links towards other websites, and particularly for the contents of the linked websites.
Société Générale shall not be liable for the hypertext links towards this website; no one shall create any such a link without Société Générale’s prior and express authorization.
• Collection and use of personal data resulting from your interaction with the website
In order to answer your expectations, Société Générale may as a result of your interaction with the website, collect directly or indirectly nominative personal information about you, sometimes through the use of on-line or off-line forms. This information will be stored in and processed by Société Générale and/or its named providers or consultants information systems. The providing of some personal data may be mandatory in order to process your requests. If so, mandatory fields will be marked with an asterisk or any equivalent.
Personal data, which may enable indirect identification, may also be collected and processed in order to better manage your connection and browsing (see below for information on Cookies).
• Collection and use of personal data for banking relationship management
In the course of its banking relationship with the client, Société Générale may, in strict compliance with the legislation, processes personal data (identity and other elements of civil statuses, ID documents, contact details, professional and financial situation) related to its client, their legal representatives and managers or other representatives.
In order to ensure compliance with its statutory and regulatory requirements, particularly in matters concerning the fight against money laundering and the financing of terrorism, Société Générale may collect additional data related to its clients, to individuals who they are associated, to recipients and intermediaries of transactions relating to them and operations which they are associated.
Information collected are communicated directly by the client during the entry in relation, the subscription and use of products and services, the conclusion of management authority, communication of orders and transactions, or by third parties authorized to communicate such information (commercial information registers, other public resources available to banking and financial institutions).
Personal data collected will be processed only for determined purposes, among others:
- To manage account(s) and/or bank products and services purchased, under the conditions provided in the contractual documentation, as well as to manage the account holder’s orders and transactions
- To manage the banking relationship and marketing purposes, to organise commercial events, to offer new services, and to conduct statistical and private capital surveys (including behavioural ones).
- To comply with statutory and regulatory requirements, particularly in matters concerning ID controls, the regularity check of transactions and operational risk management, the prevention of conflicts of interests, the prevention of the fraud, the fight against money laundering and the financing of terrorism.
Besides, Société Générale may, for the supply of financial services, in accordance with the applicable legal requirements, record electronic communications (telephone, instant messaging, e-mail and all other means of electronic communication) with its counterparts in order to meet the needs of ethical control, to ensure the control and the security of transactions and the service quality.
• Communication with third-parties
Société Générale may disclose personal data collected with legal entities of Société Générale Group for the purpose of managing the banking relationship, managing the products and services, executing the account holder’s orders and transactions, managing accounting production of the Group, notably when pooling resources and services with the Société Générale Group.
In addition, Société Générale may entrust certain services with operational functions to other entities of the Société Générale Group or to service providers chosen for their expertise and reliability to provide IT services or other targeted and limited services. In this case, Société Générale takes all physical, technical and organizational measures needed to ensure the security and confidentiality of personal data.
• Application of European Union data protection rules regarding the transfer of personal data outside the European Economic Area
Owing in particular to the international nature of Société Générale Group, and in order to optimise quality of service, the communication of information mentioned above may involved the transfer of personal data to countries from outside the European Economic Area (particularly IT services in Morocco and India), whose legislation on the protection of personal data is different from that within the European Union.
In particular, a clear and demanding contractual framework determines the conditions of intervention of service providers and the security rules that apply. This contractual framework is compliant with the European Commission decision of 27 December 2001 on standard contractual clauses for the transfer of personal data to processors established in third countries under Directive 95/46/EC. Moreover, when required, these transfers are subject to prior authorization from the local data protection Authorities (as the CNIL in France).
Furthermore, Société Générale may also disclose personal data, upon request, to the official organs and administrative or judicial authorities of a country, located within or outside the European Economic Area, particularly in the context of the fight against money laundering and terrorist financing.
• Security of processing
Société Générale takes all physical, technical and organisational measures needed to ensure the security and confidentiality of personal data, particularly in view of protecting it against loss, accidental destruction, alteration, and non authorized access.
• Rights of access, modification and objection
Any person concerned by these processing may obtain the communication of their personal information and have it amended, updated or deleted where such information is incorrect, incomplete or outdated. They may also object, on legitimate grounds, to the processing of their personal information. Such objection may, however, prohibit Société Générale from providing the requested product or service.
They may also, without having to justify their decision, refuse that any information pertaining to them is used, or communicated to any third party for commercial purposes.
These rights can be exercised before:
- For clients, by applying before the Société Général branch where the account is opened
- For all other cases, by sending a letter to : Société Générale – Direction Commerciale et Marketing / Marché de la Clientèle Commerciale – Tours Société Générale – Granite – 189 rue d’Aubervilliers 75886 PARIS CEDEX 18, specifying the name of the operation.
For your security, your banking website uses “cookies”. A cookie is a text file which is stored by your browser which is used to authenticate you during your browsing on the website.
You can, however, forbid your browser to store “persistent cookies” by configuring your browser as follows:
For Microsoft Internet Explorer 6 and 7:
1. Choose Tools / Internet Options in the menu bar.
2. Click on the Security tab and then on the ‘advanced’ button.
3. In the cookies menu, choose the option that suits you best. You can opt for automatic management of cookies (default) or place a check in the box by "Override automatic cookie handling" and then select “Refuse” in “First party cookies”, and in “Third party cookies”. Finally select “Always allow session cookies” and press “OK”.
For Firefox 2 and more:
1. Choose Tools / Options in the menu bar.
2. Select the Privacy category.
3. Then click on Cookies, select "Keep Cookies:" and choose "Until I close Firefox" and press “OK”.
1. Choose Preferences from the Safari menu and click Security
2. Click Always to accept and remember all cookies. Click "Only from sites you navigate to" to prevent storing cookies that come from websites other than those you open. Select this option to prevent advertisers on websites you visit from storing cookies on your computer. To see the cookies you have accepted, click Show Cookies. You can then remove cookies.
For Netscape 7.02:
1. Choose Edit / Preferences in the menu bar.
2. Select Confidentiality and Security.
3. Select Cookies and then click on “Accept cookies from the originating website only” and on “Accept for current session only”.
- Plug'in Quicktime version 6 and above
- Plug'in Flash version 8 and above
- Plug'in Flash version 8 and above
This website is protected by one of the highest levels of technical security, and it is under permanent monitoring. The algorithms and mechanisms, used to protect your communications with Société Générale and the information that pertains you, comply with the French regulations in effect.