Terms of use

Site Design and Development

Design and development by Richelieu Bank Group.

Site maintenance and hosting

The website is maintained and hosted by Cognix Systems using the OVH platform, a simplified joint stock company with capital of 40,000 euros, registered with the Lille Metropole Trade and Companies Register under number 424 761 419, headquartered at 2 rue Kellermann 59100 ROUBAIX – France.

Companies owned, directly or indirectly, by Compagnie Financière Richelieu :

Banque Richelieu France (and indirectly its subsidiary Richelieu Gestion), Banque Richelieu Monaco, Richelieu Coporate Finance and Hugau Gestion belong to Compagnie Financière Richelieu.

Terms and conditions of use

The Site is the property of Compagnie Financière Richelieu and includes :

• the ” https://banquerichelieu.com”website ,

• associated websites, in particular https://news.banquerichelieu.com/

• all integrated services and associated documents.

hereinafter referred to as the ” Site “.

Site access

In order to access and use the Site, Users acknowledge that they have read and accepted the present terms and conditions of use (hereinafter referred to as the “Terms and Conditions of Use”).

ANY USE OF THIS WEBSITE IMPLIES UNCONDITIONAL ACCEPTANCE BY ALL USERS (INTERNET USERS, CUSTOMERS AND PARTNERS) OF THE PROVISIONS CONTAINED IN THESE GENERAL CONDITIONS OF USE. IF YOU DO NOT ACCEPT THEM, PLEASE DO NOT USE THE SITE.

The version of these terms of use currently on line is the only one that can be invoked during the entire period of use of the Site and until a new version replaces it.

Users must therefore refer to the latest version available on the Site each time they log on.

Purpose of the site

The purpose of this Website is to provide Internet users with links to the websites of its subsidiaries mentioned above, provided that they have first ensured that they are legally authorized to connect to the Website in the country from which their connection is established…

This site is for information purposes only and does not allow you to carry out transactions of any kind.

Warning

The User must pay attention to the following warnings:

Users will be able to consult on the Site a set of Services whose content comes from documents considered to be reliable.

Information appearing on the Site, in particular relating to financial instruments, should not be interpreted as :

• a service or product offering,
• a proposal or inducement to invest or arbitrage in financial securities,
• a solicitation to buy or sell financial securities or any other investment product,
• a recommendation,
• a contractual element.

Nothing on the Site constitutes financial, legal, tax or other advice, nor is it the basis for any investment or other decision. We recommend that you obtain informed professional advice before making any investment decision, and that you carry out any verification. The Bank declines all responsibility for any use of this information that does not comply with the present rules.

Restrictions

Certain laws prohibit the distribution or access to this site or the use of data collection procedures. Please ensure that you are legally authorized to connect to this site in the country (state) from which the connection is established.

Warning for non-residents (residents outside France) :

Access to the products and services described on this Site may be restricted for certain persons in certain countries (States) other than France. None of the services or products is intended for a person if the law of his or her country of origin or of any other country which may concern him or her prohibits it: it is the responsibility of any person wishing to subscribe to products/services to check with his or her usual advisers that his or her legal and tax status allows him or her to subscribe to such products/services.

Warning for US Person:

The use of this website and the products and services presented herein are not offered or sold to US Persons in accordance with the US Securities Exchange Act of 1934, as amended. Consequently, the products or services on this website are not intended for US Persons and may not be subscribed to by such persons, except in accordance with an exemption expressly provided for by the law applicable in the United States. The reader of this message must ensure that he/she is legally authorized to connect to this site in the country from which the connection is established.

By consulting this site, the reader confirms that this choice complies with all applicable laws and regulations.

Site access conditions

Users of this site acknowledge that they have the skills and resources required to access and use the website.

La Compagnie Financière Richelieu cannot be held responsible for elements beyond its control and for any damage that may be suffered by the user’s technical environment, in particular, computers, software, network equipment and any other equipment used to access or use the service and/or information.

The cost of access to and use of the telecommunications network is borne by the user, in accordance with the terms and conditions laid down by his access providers and telecommunications operators.

The Site is accessible 24 hours a day, 7 days a week, except in cases of force majeure, acts of third parties and/or maintenance work and interventions necessary for the proper functioning of the Site. In this case, the interruption will be notified by means of a warning on the home page or by any other means. Compagnie Financière Richelieu shall not be held liable for any such interruption and shall not be entitled to any compensation. Furthermore, Compagnie Financière Richelieu may terminate access to the Site at any time following any breach of these conditions by the User.

Editorial content

Compagnie Financière Richelieu reserves the right to correct the content of this site at any time without notice. Compagnie Financière Richelieu declines all responsibility for any delay, error or omission in the content of these pages, as well as for any interruption or unavailability of the service.

Compagnie Financière Richelieu takes all the care it deems necessary in compiling and updating the Site’s editorial content. To this end, Compagnie Financière Richelieu has enlisted the help of independent third-party partners, enabling it to benefit from information deemed to be complete. However, although the information published on the Site is provided in good faith and/or collected from reliable sources, Compagnie Financière Richelieu does not guarantee its accuracy, completeness, relevance or reliability, particularly in view of the time required for updating, processing and checking. They are subject to change at any time without notice.

Although Compagnie Financière Richelieu undertakes to correct any errors as soon as they are brought to its attention, it cannot be held liable for any decision taken on the basis of the Site and/or the information communicated on the Site and/or for any direct or indirect damage such as financial loss or loss of earnings. More generally, Compagnie Financière Richelieu declines all responsibility concerning the use of the Site and the information presented therein. In particular, Users are reminded that past performance is no guarantee of future performance. In this regard, Users expressly acknowledge that they must exercise discretion in consulting and using the services and Site and bear all related risks.

In the event that Compagnie Financière Richelieu publishes information (financial information or data) on its website, the distribution rights for this information have been granted by feed providers. This information is protected by copyright. It is expressly forbidden to modify, publish, rebroadcast or reproduce said information for the purpose of transmitting it to a third party. Any reproduction or more generally any unauthorized use of the information engages the responsibility of the User.

Compagnie Financière Richelieu and the feed providers make every effort to ensure that the information is accurate and up-to-date, but in no way guarantee its accuracy, quality, availability, completeness or timeliness.

In general, Compagnie Financière Richelieu shall not be held liable for the accuracy or timeliness of information made available to Users on the Site.

Information on financial instruments

The user must heed the following warnings:

Compagnie Financière Richelieu may publish information relating to financial instruments. As the value and performance of the financial products and securities mentioned on this Site may vary, the user is warned that there is a risk of losing all or part of the amount invested. Furthermore, simulations of the past performance of a financial instrument or type of financial instrument are not a reliable indicator of future results. Where simulations of future performance are presented, the data relating to such performance are only forecasts and do not constitute a reliable indicator of the product’s future results. Exchange rate fluctuations should also be taken into account where applicable, as well as the existence of commissions or other charges borne by the investor that may affect the figures in simulations or past performance histories.

Compagnie Financière Richelieu draws the attention of the User who wishes to invest, and warns him, in a general way, of the risks associated with the stock market, of hazards, volatility and liquidity, and more precisely of the risks inherent in certain financial products and securities. Certain financial instruments are not suitable for the general public, but for people with knowledge and experience in the field, or so-called “informed investors”.

Any information appearing on the Website, in particular relating to financial instruments, should not be construed as a solicitation, offer or recommendation to buy or sell, or as an inducement to commit to any investment whatsoever. In any case, past performance is no guarantee of future performance, and is not constant over time. Similarly, nothing on the Site constitutes financial, legal, tax or other advice, nor should it be relied upon as the basis for any investment or other decision. We recommend that you obtain informed professional advice before making any investment decision, and that you carry out any due diligence. The Bank declines all responsibility for any use of this information that does not comply with these rules.

Pillar III financial reporting

• Download

Intellectual property

The Site, as well as all trademarks, logos, texts, comments, illustrations, graphics, photographs, images (animated or not), video sequences, sounds, all computer applications that may be used to operate this Site and, more generally, all elements reproduced or used on the Site are protected by current intellectual property laws.

Compagnie Financière Richelieu is the owner of the Site (including the Applications) as defined in the introduction to these GCU and/or has the authorization to use all the rights relating to the elements making up the Site. The information appearing on the Site is intended for the strictly personal use of Users and may not be reproduced, communicated to third parties or used, in whole or in part, for commercial or non-commercial purposes.

Any reproduction, representation, dissemination, redistribution, use or adaptation, in whole or in part, of the content of this Site, by any process whatsoever, of all or part of these elements, including computer applications, without the express prior authorization of Compagnie Financière Richelieu is prohibited, will engage the responsibility of Users and may result in legal proceedings, in particular for counterfeiting. The fact that Compagnie Financière Richelieu does not initiate proceedings as soon as it becomes aware of such unauthorized use does not constitute acceptance of said use and waiver of legal action.

Protection of personal data

Depending on the case and your particular situation, the personal data protection charter of Banque Richelieu France, Richelieu Gestion or Banque Richelieu Monaco may apply.

For more information, please consult the documents below:

• Banque Richelieu France Personal Data Protection Charter
• Banque Richelieu Monaco Personal Data Protection Charter
• Richelieu Gestion Privacy Policy

Compagnie Financière Richelieu may not be held liable for sites not published by Compagnie Financière Richelieu (hereinafter referred to as “third-party site(s)”) to which the user may have access via this site; Compagnie Financière Richelieu has no means of controlling the content of these third-party sites. In any case, Compagnie Financière Richelieu is not responsible for the unavailability of third-party sites, their content, advertising or other available elements. Compagnie Financière Richelieu is in no way responsible for hypertext links pointing to the present site, it being specified that any link to the present site must be subject to prior written authorization from Compagnie Financière Richelieu. It is the user’s responsibility to take the necessary precautions and to ensure that the third-party site he/she selects is not infested with viruses or any other parasite of a destructive nature.

Resolving a dispute

Our company strives to provide the highest quality of service. However, difficulties may arise in the operation of your account or in the use of the services made available to you. In order to resolve these malfunctions, three successive levels of recourse are available to you:

Your private banker: your first point of contact

As a first step, we invite you to contact your private banker and tell him or her about your difficulties.

Customer service

If you still have difficulties, you can send your request by post to : Banque Richelieu France – Tenue de comptes – 1-3-5, rue Paul Cézanne – 75008 Paris.

As a last resort, the mediator

If the disagreement persists or if you do not receive a reply, you have the following options:

The banking mediator: In the event of a dispute concerning a banking service/product marketed by Banque Richelieu France, you can contact the mediator appointed by us free of charge:

• By post to the following address Monsieur le Médiateur – CS 151 – 75422 Paris Cedex 9 – France
• On the website: https: //lemediateur.fbf.fr/ (“Access the form” tab)

The Insurance Mediator: For any dispute relating to the marketing of insurance contracts, and if the customer service department of the insurance company concerned has been unable to resolve your dissatisfaction, you can refer the matter free of charge to the Insurance Mediator:

By post to the following address La Médiation de l’Assurance – TSA 50110 – 75441 Paris Cedex 09 – France

• On the website: mediation-assurance.org

The mediator of the Autorité des Marchés Financiers (AMF) : For any dispute relating to financial products or services, you can contact the Mediator of the Autorité des Marchés Financiers (AMF) free of charge:

• By post to the following address Autorité des Marchés Financiers – Le Médiateur – 17, place de la Bourse – 75082 PARIS Cedex 2 – France
• On the website: amf-france.org

Privacy and security

Please note that the confidentiality of correspondence is not guaranteed on the Internet. Any information sent via this system is at your own risk.

Cookies – Cookies – Tracers

A cookie is a text file stored in memory on the hard disk of your terminal (e.g. computer, tablet or cell phone) when you visit a website using your browser software. It is transmitted by a website’s server to your browser. A cookie file enables its issuer to identify the terminal in which it is stored for the duration of the cookie’s validity or recording period.

This site uses cookies to enable secure and more efficient browsing for users, by improving the presentation of the Site and facilitating access to secure sections. The purpose of these cookies is to record information relating to the identification of the user and the navigation of the User’s computer on this Site.

The various cookies can be :

• Internal cookies necessary for the site to function: they improve your browsing comfort. If you decide to block all cookies via your web browser, your browsing experience may be impaired.
• Audience measurement cookies: these are used, for example, to measure the number of visits, the number of pages viewed and the most frequently read pages.
• Third-party cookies: articles on this site may include embedded content (e.g. Youtube videos). Embedded content from other sites behaves in the same way as if the visitor were visiting that other site. These websites may collect some of your personal data.

Users acknowledge that they have been informed of this practice and authorize Compagnie Financière Richelieu to use it. Users may refuse to accept cookies by using the settings in their browser software. However, deactivating cookies may restrict access to personalized services for Compagnie Financière Richelieu customers.

Applicable law

The Site is governed by French law, is subject to French jurisdiction and has French as its official language.