Disclaimer

1. Introduction

This Legal information defines the rules for operation and use of the website of BNP Paribas Épargne & Retraite Entreprises, a BNP Paribas group business.

The website http://visiogo.bnpparibas provides general information on company pension plans and a balance checking facility for employee scheme members of companies who have subscribed through BNP Paribas Epargne & Retraite for an Employee Retirement Savings Scheme ("PER Entreprises") with insurance company Cardif Assurance Vie.

The Site also has a number of simulator applications.

Site content is provided by BNP Paribas, Cardif Assurance Vie and GIE BNP Paribas Cardif:

BNP Paribas
Legal representative: Jean-Laurent Bonnafé

Limited company with share capital of: EUR 2,499,597,122 
Registered office: 16, boulevard des Italiens - 75009 Paris
Paris Trade Register no.: 662 042 449
EC identification code: FR 76 662 042 449 - www.bnpparibas.com
Registered insurance broker with ORIAS no. 07022735

Cardif Assurance Vie
Limited company with share capital of: EUR 719,167,488
Registered office: 1, boulevard Haussmann - TSA 93000 75318 Paris Cedex 09
Offices: 8, rue du Port - 92728 Nanterre Cedex
Paris Trade Register no.: 732 028 154
EU VAT no.: FR 12 732 028 154

GIE BNP Paribas Cardif
Joint venture under order 67.821 of September 23, 1967, with capital of: EUR 16,000
Registered office: 1, boulevard Haussmann - 75009 PARIS
Paris Trade Register no.: 318 246 899

Insurance products promoted on the website are written and/or distributed by:

Cardif Assurance Vie
Limited company with share capital of: EUR 719,167,488
Registered office: 1, boulevard Haussmann - TSA 93000 75318 Paris Cedex 09
Offices: 8, rue du Port - 92728 Nanterre Cedex
Paris Trade Register no.: 732 028 154
EU VAT no.: FR 12 732 028 154
Company governed by the French Insurance Code
Authorised by the French Prudential Control and Resolution Authority: 61, rue Taitbout - 75009 Paris
Member of the French Insurance Federation (FFA)

 

BNP Paribas
Legal representative: Jean-Laurent Bonnafé
Limited company with share capital of: EUR 2,499,597,122
Insurance broker - Financial guarantee and professional liability insurance in accordance with Articles L 512-6 and L 512-7 of the French Insurance Code
Registered insurance broker with ORIAS no. 07022735
Registered office: 16, boulevard des Italiens - 75009 Paris
Paris Trade Register no.: 662 042 449
EC identification code: FR 76 662 042 449

www.bnpparibas.com

Person responsible for publication: Cécile Advani, Head of Strategy, Investment, Marketing & Communication at BNP Paribas Épargne & Retraite Entreprises, a BNP Paribas group business.

Web design is by BNP Paribas Épargne & Retraite Entreprises.

Site hosted by:
BNP Paribas Asset Management France

The publisher undertakes to comply with all laws on website creation and operation.


2. Access to site

Users declare that they have the expertise and the means to access and use the site

Confidentiality of communications is not guaranteed on the Internet and you should take all appropriate measures to protect your personal data and/or software from any computer viruses circulating on the web.

We cannot be held liable for components not under our control or for potential damage to the user's technical environment, such as hardware, mobile phones, tablets, software, networks or any other equipment used to access/use the service and/or content.

Also, we have taken all necessary steps to stream only virus-free data and will accept no liability for direct or indirect damage resulting from the use of site documents or content.

It must also be remembered that fraudulent access to or use of information systems, tampering with information systems, and fraudulent insertion or modification of data in information systems are criminal offences and subject to prosecution.

Access to the site is free of charge. Users are responsible for their own costs of accessing and using the telecommunication networks under the terms and conditions contracted with your internet and telecoms providers.

Finally, we reserve the right to interrupt the service at any time, for whatever reason, without explanation, and may not be held liable for any consequences of such interruptions.


3. Intellectual property rights

All site contents, including data, designs, graphics, pictures and downloads, are protected by the intellectual property rights which we hold. These rights cover both the site form and contents, which remain our sole and exclusive property.

Consequently, none of the site content may be, in full or in part, reproduced, represented, inserted, used, modified, circulated, retransmitted, translated, sold or reused without our prior express written authorization.

Violations of the above will be judged as acts of piracy (counterfeiting) under article L713-2 of the French Code on Intellectual Property which holds the perpetrator civilly and criminally liable. We will bear no civil liability in cases of fraudulent use of all or part of the site. The criminal sanction for piracy will be applied as per articles L335 – 2 et seq., of the French Intellectual Property Code.
 
Brands belonging to BNP Paribas and appearing on the site have been registered as trademarks in France and internationally for various purposes by BNP Paribas SA. Any reproduction or representation in full or in part of these brands from the site without the express prior consent of BNP Paribas SA is forbidden, in accordance with Article L713-2 of the French Intellectual Property Code.


4. Warning about the information on this site

We make every effort to ensure the information contained in this site is accurate and up-to-date at the time it is posted online. However, we offer no guarantee as to the truth, accuracy or completeness of the information on the site and reserve the right to change or correct, at any time and without notice, the content of the information and documents published on the site.

We accept no liability for any inaccuracy, misstatement, omission or amendment affecting information on the site, including in the event of changes to statute and case law, or for any damage resulting from the fraudulent action of a third party, including where this results in changes to the information on the site.

In this regard, we cannot be held liable for the content of the site and use that you may make of it, nor for any of the direct or indirect damage resulting from access to or use of the site by anyone or from any failure to access it.


5. Non-contractual information

The information in these pages is non-contractual, and may not be considered as an offer of products or services. It shall not be taken to constitute an assertion, guarantee or commitment by us regarding the products and services presented.

We cannot be held liable for decisions made on the basis of site contents, or for the use of said contents by third parties.

If you wish to make use of any of the services and/or products presented on the site, we recommend that you take professional advice as to the contractual terms and conditions and fees applying to the products or services.

Access to products and services on the site may be restricted for certain people or investors from certain countries. None of the products and/or services will be provided to any person where this is prohibited by national or other legislation. It is your responsibility, if you are interested in a product or service, to check with your usual advisers that your legal and tax status allows you to subscribe for the products and/or services presented.


6. Hypertext links

The site contains hypertext links, giving access to sites not published by us. We cannot be held liable for the content of sites that you may access in this way. We are not responsible for either their compliance with regulations on public order and decency, nor for their policy on the protection of personal data or uses that can be made of it.

We accept no liability for the content and any damage incurred during visits to the websites to which the hypertext links lead. Users visit other sites on their own responsibility and at their own risk.

By accessing another site via a hypertext link, you accept that such access is done at your own risk. We accept no liability for any direct or indirect damage suffered as a result of your accessing another site linked to ours by a hypertext link.

Finally, the creation of hypertext links to our site must be authorised in advance by the publisher.


7. Changes to this legal information and applicable law

We reserve the right to amend or add to this legal information at any time and without notice. We therefore urge you to check the contents regularly by following the "Legal information" heading on the website.

French law shall apply.

All users of this site accept the jurisdiction of the French courts to decide all matters concerning the content or use of the site and any resulting appeals.


8. Protection of personal data

Information collected via the website will be used by BNP Paribas to meet its legal and regulatory obligations in its capacity as the entity responsible for processing data for the purposes of Company Pension Plans.  

This information may be transmitted to Cardif Assurance Vie and to BNP Paribas service providers to perform services on its behalf for the purpose of managing your affiliation with a given policy, it being stipulated that said parties are bound by data security and confidentiality obligations, or to meet its legal and regulatory obligations.

For information on why your data is processed, your rights and the data conservation period, you may consult the Data Protection Notice on the website under "Data Protection".

It should be noted, however, that the personal data collected by the company are used until the end of your affiliation and as long as required to comply with BNP Paribas' legal obligations. You may exercise your right to access, rectify and contest the use of your personal data under the conditions and within the limits provided for by Act No. 78-17 of 6 January 1978, as amended (French Data Protection Act) and Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (General Data Protection Regulation), by writing to the following address: BNP Paribas Epargne & Retraite Entreprises - TSA 80007 - 93736 Bobigny Cedex 09.


9. Simulations

Simulations provided through the site have no contractual value and in no way engage our liability as they do not constitute a firm offer to conclude a purchase or sale.

They are for indicative purposes only, with no express or tacit guarantee, and are not meant as a substitute for commercial information or professional advice.

We cannot be held liable for decisions made on the basis of any simulation, or any use made of it.

Also, the information and data that you input to these simulations cannot be used for any kind of processing. They are retained during one year if you save your simulation so that you can retrieve it during this period.

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