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General Terms & Conditions

CACEIS Internet site

You are currently connected to the "www.caceis.com" site published by CACEIS. This is the portal for information on the CACEIS Group's businesses.

 

Legal information

CACEIS, a “Société Anonyme” (public limited company) with a share capital of €654,000,000 has its registered office at 1-3, place Valhubert -75013 Paris – France, and is registered with the Paris trade and company register under number 437580160. 

Phone number (standard): (+33) 1 57 78 00 00 - Email: webmaster@caceis.com

VAT Code FR 1343 758 0160

Financial company under French law, registered on the list of financial companies by the Autorité de Contrôle Prudentiel et de Résolution (ACPR, 61 rue Taitbout - 75436 Paris cedex 09, France).

Represented by Jean-François Abadie, Chief Executive Officer

Editor-in-chief: Jean-François Abadie, Chief Executive Officer

Editorial Manager: Eric Derobert, Group Communications and Public Afffairs Director

Conception and design: Communications and Public Affairs Division

IT development: CACEIS Bank 

IT hosting: PROGICA S.A.S.

12, place des Etats-Unis

92127 Montrouge CEDEX - France

 

Credits

Photographies:

FOTOLIA / ADOBE Stock

Alexis Cordesse

Yves Maisonneuve, CACEIS

Carlos Manjón Guzmán, CACEIS

Direction de la communication de CACEIS

Photo of Paris and the tour Montparnasse « with the kind authorisation of the Syndicat des Copropriétaires de l’EITMM »

Otherwise, as indicated under the images 

Graphic design:

Agence Nude

101 rue de Paris – 92100 Boulogne-Billancourt

 

Purpose of the Site

Navigation on this site is subject to French regulations as well as the conditions below. By continuing the consultation of the site, you show your acceptance of these contractual conditions.

CACEIS is the asset servicing banking group of Crédit Agricole dedicated to institutional and corporate clients. Through offices across Europe, North America and Asia, CACEIS offers a broad range of services covering execution, clearing, depositary and custody, fund administration, middle office outsourcing, forex, securities lending, fund distribution support and issuer services. CACEIS is a European leader in asset servicing and one of the major players worldwide.

This site gives you the possibility to send e-mails to CACEIS. Such e-mails are sent through the Internet, a public network over which CACEIS has no control and as a result, messages may be intercepted, modified or lost. We draw your attention to the fact that this site was designed for informational purposes relating to the services of CACEIS and as a channel to carry out informal communications with our institution. The site is in no way designed to be a tool for communication with our institution for the purposes of management or contractual service offers. Consequently CACEIS guarantees neither explicitly, nor implicitly that information or requests sent via the site will be read or acted upon.

 

Access to the CACEIS Internet site

Users of the www.caceis.com site recognise that they have the capability and means required to access and use this site. Users also acknowledge that they have read and understood the present legal information and disclaimer and undertake to comply with them. The www.caceis.com site may give access to other sites that may or may not belong to CACEIS, which may have their own legal information and which users should read and comply with.

CACEIS and its subsidiaries may not be held liable in any way for any elements outside of their control and any direct or indirect damages that may be incurred by the user, to the technical environment notably their computers, software, network equipment and any other equipment used to access the information, resulting from any access to or use of the www.caceis.com site including inaccessibility, data loss, deterioration, destruction or viruses that may affect the users’ IT equipment and or the presence of viruses on its site.

 

Information contained on this site

This site is a purely informative site. As such, it is intended to present CACEIS and its activities. The products presented only concern products that have been accredited or authorised for sale in France by the French securities regulator (Autorité des Marchés Financiers, AMF). None of the information contained on the site may be considered or interpreted as being contractually binding in any way. All of the information is given exclusively for information and does not represent a commitment in any way by CACEIS.

Any of the information contained on this site may be modified at any time and without prior notice by CACEIS. The information contained on the CACEIS site in no way constitutes an offering of services or products, a commercial request of any kind, or recommendations or advice. CACEIS and its subsidiaries may not be held liable, directly or indirectly, for any decisions taken or not taken on the basis of the information contained on the site or for any use that may be made of it by third parties. As such, users alone are responsible for their use of the information and the results obtained based on the information distributed on this site.

 

Reliability of information

Information concerning services and products or any other information contained on this site is provided as is, even if it is taken from documents that may be considered to be reliable.

This information does not contain any evaluation of financial products.

This information must, nevertheless, be verified directly with CACEIS.

CACEIS and its subsidiaries may not be held liable in any way for this information.

 

Access to information

Access to information relative to the financial products of CACEIS on this site may be subject to restrictions with regard to certain people or certain countries.

None of the information relative to CACEIS financial products presented here may be provided by CACEIS and its subsidiaries to a person who makes such a request if the laws of his or her country or any other country concerning him or her forbids it.

Users are asked to ensure that they are legally authorised to connect to the present site from the country in which their Internet connection is established.

 

Data protection policy

This Data Protection Policy establishes how User personal data are processed in the context of this Site.

Users of this Site may communicate, to CACEIS, the Site publisher, personal data about themselves by using the various media for collection, tools and services made available to them on the Site.

The data collected may form the subject of processing, automated or not, in accordance with the General Data Protection Regulation, “GDPR”, of 27 April 2016 and under the conditions attached to each collection medium or service, described in the General Terms of Use of the Site (insert link) and this Data Protection Policy.

For the purposes of this Policy, the following terms: “personal data”, “data protection officer”, “to process/processing”, “data controller”, “recipient”, “data processor” and “to transfer/transfer” have the same meaning as that given to them in the GDPR.

Data controller and purposes

The personal data collected via the various services or data collection media featuring on this Site are collected by CACEIS, the publisher of the Site, acting as data controller within the meaning of the GDPR, except where it is expressly mentioned on the data collection medium that the data controller is a third party. In this case, under the law, the data controller will specify to you the characteristics of the processing activity that it implements under its sole responsibility.

In the context of use of the Site and its services, the personal data that you communicate are collected and processed by CACEIS in order to respond to your requests expressed using the forms, tools and services made available to you, to fulfil a contractual or pre-contractual obligation at your request, to fulfil our statutory obligations or to satisfy pursuit of the legitimate interests of the publisher of the Site or of a third party without disregarding the rights of the user.

The purpose of the cookies present on the Site is to allow the correct functioning of the Site, to measure the Site audience and also to be able to personalise your experience and, subject to your consent, to send you personalised communications relating to your requirements. On the legal basis of the legitimate interest or the consent as the case may be, the data may be processed for the purpose of commercial prospection, subject to compliance with the relevant regulations (right to oppose prospecting by post and by telephone - prior consent for prospecting carried out electronically).

Characteristics concerning the use and collection of data

You are not obliged to answer all the questions you are asked on the Site.

The mandatory nature of communication of information is indicated by the presence of wording to this end. However, failure to communicate these data will mean that CACEIS will be unable to process your request or that you will be unable to use the tool or the service.

Data retention time

The User’s personal data are retained and processed for the period necessary to achievement of the purpose pursued and, as a maximum, for the periods mentioned in this data protection policy:

Procedures for exercising your rights

You have rights over the personal data about you that we collect and process in connection with your use of the Site, its services and your requests. These rights are as follows:

You may exercise these rights by writing to the data protection officer: caceisdpo@caceis.com

In the event of any dispute, the user may file a complaint with the CNIL [French data protection authority] whose website address is www.cnil.fr and whose registered office is at 3 Place de Fontenoy, 75007 Paris.

Data recipients

Your personal data may be communicated to:

Using data for prospecting purposes

In accordance with the applicable regulations, any prospection by telephone or email, will be carried out only with the prior consent of the concerned user.

If you agree to receive such prospecting messages from CACEIS by checking the boxes of acceptance provided for this purpose on this site, you will be able at any time to reconsider this consent. Eeach of the prospecting emails you will offer the possibility to oppose to future emails of prospection from CACEIS, editor of the Site.

At any time and free of charge, you can oppose any prospection by other means by writing to the contacts mentioned in the paragraph "Procedures for exercising your rights". The stamp costs will be refunded on request.

 

Cookies

When browsing our website, information relating to your browsing may be saved in small files known as cookies, installed on your device (computer, tablet, smartphone, etc.), subject to the choices expressed regarding cookies, which you can modify at any time.

The information below will help you understand how cookies work and how current tools can be used for settings.

What is a cookie?

A cookie is a small text file, image or software, containing information, which is saved on your device’s hard drive (e.g. computer, tablet, smartphone, or any device allowing browsing on the Internet) when visiting a website using your browser. It is transmitted by the service of a website to your browser. The cookie file concerns in particular, pages visited, adverts on which you have clicked, the type of browser you are using and your IP address, and enables its issuer to identify the device on which it is saved, for the period of validity or saving of the cookie in question.

Only the issuer of a cookie can read or modify the information contained in it.

Cookies facilitate your browsing on our Site and are essential to access certain secure spaces. If you decide to block all cookies using your Internet browser, you will only be able to visit the public area of our Site.

As stated on the Site information banner, by continuing to browse our Site, you agree to our use of cookies. You can change your mind at any time, by objecting to the saving of cookies (see below: objecting to the saving of cookies).

Why do we use cookies?

We use 2 types of cookies, the purposes of which are described below.

Some technical cookies (session cookies in particular) are essential for the smooth running of the website. Their removal can result in browsing difficulties as well as the impossibility of subscribing on-line to our offers.

1. Technical cookies

Technical cookies are cookies strictly necessary to the functioning of the Site. They make it possible to access the reserved and private areas of our Site, thanks to personal logins (session identifier cookies), to implement security measures (for example, when a new request is made to log on to a content or a service after a certain period of time), and to allow or to facilitate communication for the provision of a service electronically, expressly requested by the browser. These cookies are deleted once you close your browsing session.

These cookies are issued and stored by CACEIS. They have a very short life, for the most part, the length of the session, and one year at the most.

2. Cookies for analytics and the production of statistics

These cookies collect information about how visitors use a website. For example, the number of visits, the pages most frequently visited and so on. These cookies make it possible to produce analytics based on traffic, resulting in improvement of our site contents depending on the success encountered by a particular page with our visitors.

The data collected are not transferred to third parties or used for other purposes.

3. Sharing cookies (social networks)

Our site contains sharing buttons ("plug-ins") to Facebook, Twitter, Google+, which allow you to share content from our Site with other people. When you use these sharing buttons, your internet browser will establish a connection with the servers of the social networks concerned and a third-party cookie is installed after collection of your consent. If you are connected to the social network during your navigation on our site, the buttons of sharing make it possible to connect the contents to your user account.

In this context, the purposes and scope of the use of your data, additional treatments and your rights will be subject to the privacy policies of social network providers and placed under their full responsibility.

4. Targeted or advertising cookies

This type of cookie can only be installed with your prior consent.

These cookies collect information about the navigation of your terminal on our site in order to offer you targeted advertisements that are adapted to you and / or corresponding to your interests. They allow us to adapt the advertising content displayed on your device in our advertising space, depending on the browsing information collected.

We are also liable, subject to your choice, to associate navigation information about your device collected by the cookies we emit, with your personal data that you have transmitted to us when you access your personal space, in order, for example, to send you electronic commercial offers or to display on our advertising spaces or on the sites of our partners (third-party sites) personalized advertisements that are specifically intended for you and that may be of interest to you personally.

These cookies also allow us to limit the number of ad appearances and help us evaluate the effectiveness of our advertising campaigns.

For the presentation of our targeted advertising on third party sites, we accept the installation of cookies by advertising agencies with which we have partnerships. As part of these partnerships, we may send them anonymous navigation data about you; however, we do not provide personal information about you to third-party sites that display our ads.

To exercise your choice with respect to the advertising cookies posted by Google DoubleClick, Google's advertising server, please visit: www.google.com/settings/ads/preferences

How do I manage cookies?

You have several options for managing cookies. Any settings you set in place may modify your Internet browsing and your conditions of access to certain services requiring the use of cookies.

If you share use of your terminal with other people

If your terminal is used by more than one person and when the same terminal uses more than one browsing software, we cannot guarantee you that the services intended for your terminal correspond to your own use of this terminal and not to the use of another user.

You can decide at any time to indicate and change your requirements in terms of cookies, using the methods described below.

1. Your browser settings

You can set your browsing software so that cookies are saved on your terminal or, on the contrary, that they are disabled either systematically or depending on their issuer. You can also set your browsing software so that you are asked, selectively, to accept or refuse cookies, before a cookie can be saved on your terminal.

The settings of each browser are different. They are described in your browser’s menu.

For Chrome

        https://support.google.com/chrome/answer/95647

For Internet Explorer

        https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies

For Firefox

        https://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer

For Opéra

        http://help.opera.com/Windows/10.20/fr/cookies.html

For Safari

       https://support.apple.com/kb/PH21411

or

in Chrome

in Firefox

in Safari

in Internet Explorer

in Opéra

in Microsoft Edge

  • Go into Settings
  • Click on "Advance"
  • In the Coookies section, select the desired option.

2. Your choices made online directly from our Site: opt-out terms

From our Site, you can also set your choices relating to the cookies that we save on your terminal, using the link shown below. If the cookie is refused, a cookie solely aimed at disabling the services associated with the cookie will be saved on your terminal.

NB: consideration of your request relies on a cookie. If you delete all cookies saved on your terminal, via your browser, we will no longer know that you have selected this option.

For audience measurement cookies - statistics reported by Google Analytics, please visit: https://tools.google.com/dlpage/gaoptout

For sharing cookies (social networks)


Protection of site content

Unless otherwise stipulated, CACEIS holds, reserves and retains all the rights of ownership of this Site and the elements it contains, in particular of images, texts, iconographic and photographic representations, sounds and documents downloadable on the Site. The trademarks, logos and other indications of origin belong to CACEIS or to a third party that has granted and / or authorized CACEIS the right to use them on this Site.

Nothing contained herein shall be deemed granted to the User any license or right to use any of the trademarks on the Site without the written permission of CACEIS or of the aforementioned third party.

CACEIS and / or its third-party content providers remain the owners of the information appearing on this Site, and the user does not acquire any of the aforementioned property rights by printing or downloading any part of the information or making use of the features of the Site. Therefore, the reproduction or representation of all or part of the Site on any medium whatsoever is strictly prohibited unless CACEIS has previously agreed in writing.

 

User rights

CACEIS authorises users, in accordance with the present conditions and the rules governing Internet use to freely consult this Site for informational purposes solely for their own personal and private use, excluding all commercial uses.

 

Links

The site may contain hypertext links to other resources present on the Internet network as well as from such resources to the Site, whether this concerns links established with other CACEIS Group sites or sites belonging to third parties, notably financial companies or providers of financial information.

Such links may not be considered as constituting an offer of services or products, recommendations, advice or commercial requests of any kind.

CACEIS disclaims all responsibility concerning the content and the use made by third parties of any information contained on any other sites.

Similarly, CACEIS disclaims all responsibility concerning the consequences linked to any technical faults relating to these links.

 

Security

Our concern is to protect the quality and integrity of your personal data. The technologies and security policies applied make it possible to protect your personal data against any unauthorised access and any misuse. The various people who have access to the data are required to respect the privacy of the users of this Site and the confidentiality of their data.

We will never send you an e-mail asking you to provide us with confidential data (credit card number, PIN, etc.).


Economic Research and analysis

Economic publications and analysis reflect the opinion of Crédit Agricole S.A. on the date of publication, unless otherwise specified (in the case of outside contributors). Such opinion is subject to change without notice. Economic publications and analysis are provided for informational purposes only. The information and analyses contained are not to be construed as an offer to sell or as a solicitation whatsoever. Crédit Agricole S.A. or “name of the subsidiary” shall not be responsible in any manner for direct, indirect, special or consequential damages, however caused, arising therefrom. Crédit Agricole S.A. does not warrant the accuracy or completeness of such opinions, nor of the sources of information upon which they are based, although such sources of information are considered reliable. “name of the subsidiary” or Crédit Agricole S.A. therefore shall not be responsible in any manner for direct, indirect, special or consequential damages, however caused, arising from the disclosure or use of the information contained in the publications.

 

Protection of computer systems

Articles 323-1 and following of the French penal code (Code Pénal) and its rules, orders and regulations punish attacks on automatic data-processing systems, notably: 

 

Governing law - jurisdiction

The site, the official language of which is French, is subject to French law and comes exclusively under French jurisdiction.

Copyright © CACEIS 2018