Crédit Agricole Charente-Périgord

Legal notice

REGIONAL BRANCH OF CRÉDIT AGRICOLE OF CHARENTE-PÉRIGORD

Headquarters
30 rue d’Epagnac, CS 72424, 16024 Angoulême Cedex – RCS OF ANGOULEME, No. 775 569 726

Mailing address
30 rue d’Epagnac, CS 72424, 16024 Angoulême Cedex – Phone number: +33 5 45 20 49 60- www.ca-charente-perigord.fr – Cooperative organisational structure with variable capital approved as a credit institution – Insurance broker registered on ORIAS, the French Organisation for the Register of Insurance Intermediates under the number 07 008 428.

Credit institution governed by French law authorized by l’Autorité de Contrôle Prudentiel et de Résolution (Prudential Regulation Authority – ACPR, 61, rue Taitbout 75 436 Paris Cedex 09)

Email address: cp.united@ca-charente-perigord.fr
Phone number: +33 (0)5 45 20 49 60

Publication director: Laurent Martin, Chief Executive Officer
Editorial director: Véronique Vigier, Chief Director of the Online Banking

Site hosting: PROGICA
Project management assistance: 6ble
Web design and development: Arcange Le Groupe
Contact: For more information, please fill in this form: information request form.

TERMS OF USE

On accessing this Website and its contents the user acknowledges he has read these terms of use and that he undertakes to comply with them.

We reserve the right to alter these terms of use at any time in particular to adapt them to the evolution of the Website.

It is the obligation of the user to check if changes have been made. The use of the Website after changes are posted on-line shall constitute acceptance of the new terms of use.

Access to the Website

This Website is subject to French law.

Most of the contents and services are provided in French as well as in English. In the event of a dispute, the French version shall prevail.
Documents, information and services offers on this Site are available for each user, whether he is a customer of the Crédit Agricole Mutuel of Charente-Périgord or not.

Access is possible 24 hours a day, 7 days a week, except in the case of unforeseen circumstances, third party intervention and/or necessary maintenance work to ensure correct functioning of the Site. In case of disruption, a warning message will appear on the Home page or will be notified by any other process. The editor is not responsible for disruption and no compensation will be granted.

Fees and charges for the services

Access to the Site is free, except from providing access and telephone communications which are charged directly by the operators.

Available information

1/ Information about products and services

Products and services on this Website are to be offered and used according to contractual conditions and effective tariffs.

Some of the products and services may only be available for customers living in the French territory.

To learn more about their availability, please contact your branch or the agency concerned.

In order to learn more about conditions and/or to obtain a service, the Internet user is invited to make contact with the Regional Branch of Crédit Agricole Mutuel of Charente-Périgord where he is a customer or the branch on which he geographically depends. The request will be processed by the Regional Branch of Crédit Agricole Mutuel of Charente-Périgord where the user is already a customer or the branch on which he geographically depends.

In order to maintain the accuracy of the information on products and services on this Site, the Regional Branch of Crédit Agricole Mutuel of Charente-Périgord reserves the right to change and update the content at any time and without prior notice.

2/ General information given for informational purposes

General information such as economic and financial data are indicative and only given for informational purposes.

Despite the care we take in securing accuracy of information and contents, available data may contain technical inaccuracies and typographical errors. Crédit Agricole Mutuel of Charente-Périgord shall not be responsible in any way for such errors.

The Internet user is solely responsible for the use he makes of these general information.

Use of the Website by the user

The user is informed that the use of the Internet network gives no guarantee about confidentiality. The user must take all appropriate measures in order to protect his personal data and/or tools – see the Security section.

In this regard, the user undertakes to respect the integrity of the Site and to refrain from hindering or interfering with the operation of the Site, fraudulently modifying, altering or deleting the content accessible via the Site, or fraudulently adding data to the Site.
As a consequence, the editor:

– may not be held liable for any damage which may have been incurred when surfing on his Website, caused by the technical environment of the user such as his computer, software, network equipment including modem and phone and any other device used to access the Website and use its services and/or information

– cannot be held liable for any damage caused by improper use of the Website
– cannot in any event be held liable for any problem related to data transmission, access time, possible restrictions on access on the Internet network or other connected networks

– may not be held liable for any disruption to the network access to the Site, for complete or temporary non-availability of the Site due to the telecommunications operator, for any transmission error or problems related to the security of transmission and for defects in any receiving equipment or in the user’s phone line

Intellectual property rights

This Website may be considered as an indivisible whole. This Website and its contents including information, data, texts, sounds, photos, pictures, designs, logos and brands are copyright of the editor or his partners.

All this material is protected by the French Code of Intellectual Property and is therefore protected from any use other than that authorised by law or by these terms of use.

The material may only be reproduced for informational purposes and/or strictly for private and personal use.

Reproduction, representation and distribution of the material for any other purposes, in whole or in part, in whatever form and by whatever media, is expressly prohibited. Failure to comply with this prohibition shall be deemed an act of counterfeiting which may incur the perpetrator’s civil or criminal liability.

It is strictly forbidden to use or reproduce the name “CREDIT AGRICOLE” or its logo on their own or together for any purpose whatsoever and in particular for advertising purposes without prior written authorisation from Crédit Agricole Mutuel of Charente-Périgord.

Downloading or copying software or other information from the Website of Crédit Agricole Mutuel of Charente-Périgord shall not transfer the ownership rights to said software or information. Users may not reproduce them in whole or in part, transmit them through electronic or any other means and modify them. Users may not use the Site of Crédit Agricole Mutuel of Charente-Périgord for public or commercial purposes without the prior written consent of Crédit Agricole Mutuel of Charente-Périgord.

Linking policy

This Website includes information provided by other parties or links to other websites that were not developed by companies of the Groupe Crédit Agricole.

Such links to other websites do not constitute an endorsement of these websites or their contents.
Crédit Agricole Mutuel of Charente-Périgord will therefore not be held liable for these sites, their contents, ads, products or services available on or from these websites.

Crédit Agricole Mutuel of Charente-Périgord shall not be held liable for the information, opinions and advice provided in these sites.

If the user wants to link to this Website from any personal websites, Crédit Agricole Mutuel of Charente-Périgord requires written permission before links can be published. Otherwise, it reserves the right to delete the link at any time.

Data Privacy Policy

This privacy policy describes how users’ data are used and applies only to this Website.
Users of this Website may communicate their personal data to the Regional Branch of Crédit Agricole by filling in forms and questionnaires in this Website. These data may be processed automatically or not, in accordance with the French law No 78-17 of 6 January 1978 related to the protection of personal data and according to the Legal terms attached to each form.

Identity of the controller and purpose of data processing
The controller of data collected through forms and questionnaires in this Website is the Regional Branch of Crédit Agricole, the Site editor, who is responsible for data processing.
Personal data collected through this Website will only be used in order to process the user’s information, call-back, appointment and registration request.

Information about use and collection of personal data

The user is not required to provide all data and/or answer all questions.
An asterisk indicates when compulsory data is required. If the user does not provide these compulsory data, the Regional Branch of Crédit Agricole will not be able to process his information, call-back, appointment and registration request.

Bank secrecy

The Regional Branch is committed to maintaining professional secrecy to the extent pursuant to applicable law.
No information shall be communicated to third parties without express and prior agreement of the user and except where required by law authorities such as monetary authorities, tax authorities and criminal law authorities.

User’s rights

In accordance with the law, the user has the right to access his personal data at any time and the right to correct any inaccurate or incomplete information. He has the right to oppose the use of his data for commercial purposes. To exercise these rights, users can send an e-mail to: cp.united@ca-charente-perigord.fr or send a regular mail to the head office of the Regional Branch, the Site editor:

CAISSE RÉGIONALE DE CRÉDIT AGRICOLE MUTUEL DE CHARENTE-PERIGORD
Service CLIENT
30 rue d’Epagnac, CS 72424,16024 Angoulême Cedex

The user will be reimbursed for the cost of postage upon request.

Data use for marketing purposes

In accordance with the applicable regulations, any solicitation by automatic calling machines, e-mail or fax, and the sale or rental of data for marketing purposes will not be authorised without prior agreement of the user, who consents to receive direct prospecting by such means.
If the user consents to receive direct prospecting by such means from the Regional Branch by checking the appropriate boxes in the Website, he should be able to withdraw such consent at any time by clicking on the “remove me from the mailing list” button in each email he receives.

The user can also oppose any other prospecting processes by sending a regular mail to the address given in the “User’s rights” section. The user will be reimbursed for the cost of postage upon request.

Cookie policy
The user is informed that, during his visits on our Website, information may be installed on his equipment (computer, tablet and smartphone), in a file called “cookies” provided that the user accepts cookies.
Information below will allow the user to better understand how cookies work and how to control them.

What are cookies?

Cookies are small text files that collect information when the user visits a Website and which are stored on his equipment (computer, tablet and smartphone). Cookies are sent by a Website server to the browser on the user’s computer. Cookies enable the Web server to recognise the user’s computer on subsequent visits to the Website.
A cookie cannot be read or modified by a Website other than that for which it was first produced.

What is the purpose of cookies?
We use 4 kinds of cookies for the purposes described below.
Some technical cookies such as session cookies are necessary for the good functioning of the Website. Deleting these cookies may cause browsing difficulties and failure to register online.
1. Technical cookies

Technical cookies are strictly necessary for the functioning of the Website. They enable the user to access dedicated and personal Web spaces on our Website and to sign in (Identity cookie and Identity session cookie). They also allow us to provide security for example when the user is asked to login again after a certain period of time and to enable and facilitate communication so we can provide a service through email if specifically requested by the Internet user.

These cookies are issued and dropped by our Regional Branch. Most cookies expire at the end of the user’s browser session or disappear after a period no more than one year.

2. Cookies to measure the audience and traffic patterns

These cookies collect information about how the visitor uses Websites. For example, they measure the number of visits or determine most-visited pages.

For this purpose, our Website uses Google Analytics, a statistical tool developed by Google Inc. Google Analytics uses cookies to enable the Website to get insights on the visitors’ behaviour on the Site. Data issued by cookies about how the visitor uses the Site including his IP address are sent to and shortened by Google servers in the USA. Google will use this information for the purpose of evaluating the use of the Website, compiling reports on Website activity for Website operators and providing other services relating to Website activity and Internet usage to the Website provider. Google may provide this information to third parties if this is legally mandated or if such parties process this information on Google’s behalf including in particular the publisher of the site. Google will not add the user’s IP address to any other data held by Google. Users may deactivate the use of cookies by selecting the appropriate settings on their browser. However, such deactivation may disable some of the site’s functionality, but it will not affect navigation in the content-based pages. By using this Website, the user expressly consents to Google’s processing his registered information in accordance with the abovementioned terms and conditions and for the abovementioned purpose. Personal data are transferred to Google Inc., a company enrolled in the U.S Department of Commerce Safe Harbor Program (“Safe Harbor”) that offers an adequate protection for personal data transfer processing.

3. Third Party cookies/Embedded Content – Social media

Our Website contains sharing links to Facebook, Twitter and Google+ that allow users to share our contents with other people. When the user uses sharing buttons, a third party cookie is stored if the user accepts it. When the user is connected to the social media platform while visiting our Website, sharing buttons link the contents being viewed to the user account.

4. Advertising cookies

These cookies collect information about the visitor’s browsing habits in our Website and allow us to deliver advertising and content that is relevant to the user’s interests, based upon his browsing activity.
Depending on the user’s settings, we may link the information about his behaviour that has been gathered through ongoing tracking of his browsing habits to his personal data delivered when logging in to his personal space. This allow us to send targeted marketing emails to the user and display advertising that is relevant to his interests.
These cookies also allow us to limit the number of times an advertising is displayed and to assess the effectiveness of our advertising campaigns.
Information collected by our Regional Branch is by no way transferred to third parties or used in any other purposes.

How to control cookies?

There are several possibilities to control cookies. It’s important to note that restricting or disabling the use of cookies can limit the functionality of Sites and that conditions regarding access to certain services require the use of cookies.
The user can decide to accept or block cookies and modify his settings at any time. Below can be found guidance on the steps to be followed to change the browser cookie settings.

If the user shares his device with other users
If the user’s device is used by several people and the same device has several browsers available, we cannot guarantee that advertising and services aimed at the user’s device correspond exactly to his own use of the device rather than to another user’s profile.
1. Browser settings

Users can configure browser to store all or certain cookies on their device or, conversely, to reject them, either systematically or depending on the originating Website. Users can also configure their browser software so that they can choose whether cookies are either accepted or refused every time a website tries to store a cookie on their device.

Browser settings are different depending on the browser. To learn more, users can go to the Help menu of their browser.

• Chrome ™
https://support.google.com/chrome/answer/95647?hl=fr&hlrm=en
• Internet Explorer ™
http://windows.microsoft.com/fr-fr/internet-explorer/delete-manage-cookies
• Firefox ™
http://support.mozilla.org/fr/kb/cookies-informations-sites-enregistrent?redirectlocale=fr&redirectslug=Gérer+les+cookies
• Opéra ™
http://help.opera.com/Windows/10.20/fr/cookies.html

2. Set your options online directly from our Website: Opt out

Users can also set their choices about cookies stored in their device by clicking on the link below. If the user rejects the cookie, another cookie will be stored in his device that exclusively deactivate the services linked to this cookie.
Note that this option is based on one cookie. If all cookies stored in the device are deleted through the browser, we won’t be able to remember that the user had set this option.

• For cookies measuring the audience and traffic pattern – Google Analytics
https://tools.google.com/dlpage/gaoptout?hl=fr
• How to control cookies? For third party cookies – Social media
o For cookies dropped by Facebook: https://fr-fr.facebook.com/help/cookies
o For cookies dropped by Twitter: https://support.twitter.com/articles/20170518-utilisation-des-cookies-et-des-technologies-similaires-par-twitter
o For cookies dropped by Google+: https://www.google.com/intl/fr_ALL/policies/privacy/

More information about cookies is available at the CNIL’s Website:
http://www.cnil.fr/vos-droits/vos-traces/les-cookies/

Security

We take steps to help protect users’ personal information. Security technologies and policies that are applied protect personal data from unauthorised access and any improper use. People who access data are committed to respecting user’s privacy and data privacy.
We will never ask users to log in to the Online Banking nor to give us confidential data such as their credit card number by email.

Subsidiaries

AMUNDI
A portfolio management company approved by the AMF (Autorité des Marchés Financiers) under the No. GP 04000036. A French limited liability company with a capital of EUR 596,262,615. Head office: 90, boulevard Pasteur – 75015 Paris – RCS of Paris, No. 437 574 452.

CA CIB FINANCIAL
Crédit Agricole CIB, a French limited liability company with a capital of EUR 6,055,504,839. Head office: 9 quai du président Paul Doumer, 92920 Paris la Défense Cedex (France). Phone number: +33 (0)1 41 89 00 00. Registered at the Registre du Commerce et des Sociétés (RCS) of Nanterre under the SIREN No. 304 187 701.

CAMCA
Caisse d’Assurances Mutuelles du Crédit Agricole (CAMCA), an insurance company. Address: 65 rue La Boétie, 75008 Paris.

CNP ASSURANCES
CNP Assurances, a French limited liability company with a fully paid-up capital of EUR 686,618,477. Head office: 4 place Raoul Dautry – 75015 Paris – RCS of Paris, No. 341 737 062 – Phone number: +33 (0)1 42 18 88 88 – www.cnp.fr – GROUPE CAISSE DES DEPOTS.

COVEA FLEET
A French limited liability company with a board of directors and a supervisory board with a capital of EUR 27,762,189. RCS of Le Mans, No. B 342 815 339. 160 rue Henri Champion – 72045 Le Mans Cedex 1 – A company regulated by the French Insurance Code.

COVEA RISKS
A French limited liability company with a board of directors and a supervisory board with a capital of EUR 124,697,054. RCS of Nanterre, No. B 378 716 419. Head office: 19-21 allées de l’Europe – 92 616 CLICHY Cedex – A company regulated by the French Insurance Code.

CREDIT AGRICOLE LEASING & FACTORING
12 place des Etats-Unis – 92120 Montrouge Cedex – France – A French limited liability company with a capital of EUR 195,257,220 – RCS of Nanterre, No. 692 029 457 – www.ca-leasingfactoring.com
A credit institution accredited as financial company and insurance brokerage company – SIRET No 692 029 457 01126 – EU VAT No. FR 02 692 029 457 – APE 6492Z – Orias No.: 07 030 220 (www.orias.fr).

EUROPAY France
MasterCard France , 44, rue Cambronne 75015 Paris – Registered on ORIAS, the French Organisation for the Register of Insurance Intermediaries, under the No. 08 040 551 as an insurance broker (www.orias.fr).

FINAREF Life Ltd et FINAREF Insurance Ltd
Insurance companies registered in Ireland. Headquarters: 88 Lower Leeson Street, Dublin 2, Ireland –Regulated by the Irish Financial Services Regulatory Authority (IFSRA) located at: P.O. Box 9138 College Green Dublin 2, Ireland.

GESTION PRIVEE INDOSUEZ
CA Indosuez Gestion, a portfolio management company approved by the AMF (Autorité des Marchés Financiers) under the No. GP 98025. A French limited liability company with a capital of EUR 11,037, 435 – Head office: 20, rue de La Baume – 75008 Paris. RCS of Paris, No. 392 945 382.

CREDIT AGRICOLE FACTORING, marque d’EUROFACTOR
Crédit Agricole Leasing & Factoring, a French limited liability company with a capital of EUR 195,257,220
EU VAT ID No.: FR 02 692 029 457 – Head office: 12 place des Etats-Unis – 92120 Montrouge Cedex – France
Registered at the Registre du Commerce et des Sociétés (RCS) of Nanterre under the No. 692 029 457 – EU VAT ID No.: FR 02 692 029 457

LIXXBAIL
Lixxbail: 12 place des Etats-Unis – 92120 Montrouge Cedex, France – www.ca-leasing.fr
Lixxbail – Financial company – A French limited liability company with a capital of EUR 59,201,399.57 – RCS of Nanterre, No. 682 039 078 – SIRET No. 682 039 078 00832 – EU VAT No. FR 22 682 039 078 – APE 6491Z.

MUTUAIDE ASSISTANCE
8-14 avenue des Frères Lumière 94366 Bry sur Marne Cedex – A French limited liability company with a capital of EUR 9,590,040 – RCS of Créteil, No. B 383 974 086 – A company regulated by the French Insurance Code.

PACIFICA
General insurance, a subsidiary of Crédit Agricole Assurances – A company regulated by the French Insurance Code. A French limited liability company with a fully paid-up capital of EUR 252,432,825 – Head office: 8/10, Boulevard de Vaugirard 75724 Paris Cedex 15 – RCS of Paris, No. 352 358 865.

PLEINCHAMP SAS
Pleinchamp Expert Services – A French simplified joint stock company with a capital of EUR 3,290,100 – 12 place des Etats-Unis, 92120 Montrouge Cedex – RCS of Nanterre, No. 432 556 900.

PREDICA
Life Insurer, a subsidiary of Crédit Agricole Assurances – A French limited liability company with a fully paid-up capital of EUR 986,033,325 – Head office: 50-56 rue de la Procession 75015 Paris – RCS of Paris, No. 334 028 123.

SANTEFFI
1, rue Pierre Truchis De Lays – 69410 Champagne au Mont d’Or – A French simplified joint stock company with a capital of EUR 777,480 – RCS of Lyon, No. 432 685 733.

UNI-EDITIONS
A French simplified joint stock company with a capital of EUR 5,580,000. RCS of Paris, No. B 343 213 658. 22, rue Letellier, 75015 Paris.