Terms and conditions

Owner and Publisher

CFM Indosuez Wealth
A limited company (société anonyme) under Monegasque law with share capital of €34,953,000
11 boulevard Albert 1er, 98000 MONACO
Authorised to operate in the Principality of Monaco since 1922 and member of the Monaco Association for Financial Activities
Registered with the R.C.I under number 56 S 00341
Accreditation: EC/2012-08
Intra-community VAT number: FR 960 000 268 97
Hereinafter referred to as "CFM Indosuez Wealth"

 

Head of Publication

Mathieu Ferragut, Chief Executive Officer of CFM Indosuez Wealth

 

Managing Editor

Magali Jacquet-Lagrèze, Head of Communication at CFM Indosuez Wealth

 

Contacts

Téléphone : + 377.93.10.20.00
E-mail : mjacquet-lagreze@cfm-indosuez.mc 

 

Website host

Crédit Agricole Group Infrastructure Platform, a Simplified Joint-Stock Company (French SAS) registered at the RCS of Paris under the number 840.434.740, with a capital of €86,552,500. 
30-32, boulevard de Vaugirard, 75015 PARIS.

 

WARNING

For purposes of the present warning, the terms below are defined as follows:

• “Indosuez”, "Indosuez Wealth Management", “Indosuez group” or “Entity(ies)”: CA Indosuez and all other French and foreign entities, wherever their location, of which CA Indosuez is the holding company, or, more generally, that are part of the Wealth Management Business Line of Crédit Agricole group.
• “Indosuez Europe”: CA Indosuez Wealth (Europe) 
• “Indosuez Monaco”: CFM Indosuez Wealth 
• “Indosuez Switzerland”: CA Indosuez (Switzerland) SA
• “User”: any person accessing or using the Website and/or any owner of a computer used to connect to and/or navigate on the Website, regardless of whether or not they are a client of an Entity.
• “Website”: the Website “ca-indosuez.com/monaco” made up of the different CFM Indosuez Wealth web pages.

The Website and its access or use are subject to Monegasque law and regulations. In the event of any dispute, the courts of the Principality of Monaco shall be competent.

 

1. Terms and conditions for accessing and using the website

The User acknowledges that they are aware of the terms and conditions for accessing and using the Website as well as the policies regarding the protection of personal data, intellectual property and online security set out below, and undertakes to abide by said terms and conditions at all times.

CFM Indosuez Wealth reserves the right to modify the contents of this warning at any time. The User is deemed to be aware of the latest version of this warning each time they connect to the Website.

The Website is accessible 24 hours a day, 7 days a week, except in the case of force majeure, as a result of the actions of a third party, and/or in the event of maintenance work and interventions necessary to its proper functioning. Where maintenance work is carried out, any interruptions shall, insofar as is possible, be notified by a warning on the homepage or by any other process. Neither CA Indosuez nor CFM Indosuez Wealth or the Host may be held liable for any interruption or disruption, whatever the cause, nor will any interruption or disruption open the right to any compensation.

Insofar as the confidentiality and integrity of information provided on the Internet cannot be guaranteed, the User is informed that they are responsible for taking all appropriate measures to protect their messages or data and/or tools. For more information, the User is advised to visit the Website page devoted to general information on security.

The User agrees to respect the integrity of the Website and not to impede its functioning. They agree not to modify or delete any content, whether in whole or in part, or to fraudulently enter any data.

 

2. Pricing

Access to this Website is free of charge, excluding any internet service provision and dial-up costs that are invoiced directly by operators.

The online services from CFM Indosuez Wealth may be accessed via the Website. The terms governing access to and the pricing and provision of online services are stipulated in an agreement signed between the User and CFM Indosuez Wealth. Any User wishing to access and use the online services should contact CFM Indosuez Wealth.

The online services of other Entities (where applicable) may also be accessed via the Website. The terms governing access to and the pricing and provision of online services are stipulated in an agreement signed between the User and the Entity in question. Any User wishing to access and use the online services of a given Entity should contact the Entity in question.

 

3. Available information

All information and opinions of a general nature (economic, financial, etc.) featured on the Website are for information purposes only. Although CFM Indosuez Wealth takes all reasonable steps to obtain information from sources that it deems reliable, it does not represent nor warrant that the information or data on the Website is accurate, reliable or complete. Said information or data is not provided on a contractual basis and is only of indicative value.

The User acknowledges that information may be modified at any time and without prior notice and may not be automatically updated or valued on a real-time basis. The Website may include information provided by external companies or hyperlinks to other websites that were not developed by CFM Indosuez Wealth. The existence of links to other websites does not constitute a validation or endorsement of the websites in question or their contents. It is the User’s sole responsibility to verify and use any such information with discernment and with a critical mind. CFM Indosuez Wealth may not be held liable with regard to any information, opinions or recommendations by third parties.

Given the inherent risks linked to the electronic transmission of information, delays, omissions or inaccuracies may occur. Any information available on the Website is provided “as is”, whatever its origin. Accordingly, CFM Indosuez Wealth declines all responsibility as to the contents of the Website and its use.

Information available on the Website may be provided in several languages. In the event of a dispute, the French version shall prevail.

The use of the information provided on the Website is the sole responsibility of the User. CFM Indosuez Wealth declines all responsibility as to its use and consequences.

 

4. No offer

None of the information, publications, services and products appearing on the Website, in whatever form and whatever their nature, may be interpreted as constituting an incitement, solicitation, proposal or recommendation of banking or financial products or services from CFM Indosuez Wealth.

Likewise, none of the information on the Website shall constitute or be deemed to constitute a form of investment, legal or tax advice.

Any User requiring further information may contact CFM Indosuez Wealth which will provide them with said information within the limits of the law.

 

5. Restrictions on access to the website, products and services

The Website is not intended for persons in those jurisdictions where (due to their nationality, place of residence or for any other reason) its contents or access to it is unlawful. Users are solely responsible for ensuring that they are legally authorised to access the Website in the country from which the connection is established. All persons subject to these restrictions should refrain from connecting to and/or navigating on the Website.

The products and services mentioned on the Website may not be approved for sale or made available to residents or nationals of certain countries or certain categories of investors. The offer and use of the products and services presented on the Website are subject to the contractual conditions and rates applied by CFM Indosuez Wealth, in compliance with the applicable laws and regulations. In particular, products and services may be reserved for certain clients only or may be subject to restrictions regarding certain persons or in certain countries. In any case, the User should ensure that they are legally authorised to subscribe to the products or services presented on the Website, and should refrain from subscribing to any such products or services where restrictions apply. The User is informed that CFM Indosuez Wealth will not provide products and services to any persons who are not legally authorised to subscribe to them.

More specifically, the User’s attention is drawn to the fact that:

• The Website does not constitute an offer or a solicitation of products or services in the United States of America or Canada, nor are featured products or services intended for any persons residing in or who are citizens of the United States of America (“US Person”), Canada or any other country where this would constitute a violation of applicable laws and regulations. All persons residing in or who are citizens of said countries should refrain from using the Website.
• Access to the products and services presented on the Website is not permitted for persons residing in Hong Kong except where such products and services are provided by the Hong Kong Entity of the Wealth Management Business Line, or otherwise in accordance with the Securities and Futures Ordinance (Cap.571).
• The Website does not constitute an offer or a solicitation of products or services for persons residing in Singapore. The contents of the CA Indosuez Website are exclusively intended for persons outside of Singapore and may only be used by said persons.

 

6. No liability

CFM Indosuez Wealth, its directors, employees or agents may not be liable for any direct or indirect losses, costs, complaints, charges or damages of any nature, contractual or tortious, including negligence, resulting from or linked to the use of the Website, even if CFM Indosuez Wealth was informed of the possibility of such losses, costs, complaints, charges or damages.

 

7. Job applicants and employment

The User can respond to an offer posted on the “jobs.ca-indosuez.com” website which can be accessed via a link on the “Careers” tab.

The “jobs.ca-indosuez.com” website falls under the editorial responsibility of CA Indosuez and is hosted by Talentsoft in France. The conditions applying to applications are specified in the Terms and Conditions of the “jobs.ca-indosuez.com” website which the User is advised to read.

 

8. Intellectual property

The User acknowledges that the Website and its contents (in particular, the information, data, sounds, images, texts, drawings, graphics, distinctive signs, logos, brands, iconographic and photographic representations, downloadable documents, etc.) are the property of CFM Indosuez Wealth or its partners. The reproduction, representation or distribution, for any purpose other than private use, of all or some of the contents of the Website, on any medium or by any means, is forbidden, except with the prior written consent of CFM Indosuez Wealth. Any failure to comply therein may engage the civil and criminal liability of the counterfeiter.

All or any of the information on the Website may be downloaded on a hard drive or printed for personal use only, provided that this copyright notice is included in each copy, that no alterations are made, and that it is not used, either in whole or in part, in other works or publications on any medium. The downloading or any other form of copying of software or information from the Website does not bestow the User with any rights. It is also forbidden to distribute or copy all or any of the information on the Website and to transfer (electronically or by any other means), alter or use the pages of the Website or its contents for public or commercial purposes without the prior written consent of CFM Indosuez Wealth.

It is strictly prohibited to use or reproduce the terms “Indosuez”, “CA Indosuez”, “CFM Indosuez”, “CA Indosuez Wealth Management”, “CFM Indosuez Wealth Management”, as well as all of the CA Indosuez and CFM Indosuez Wealth brands and/or logos, alone or together, for any purpose, and notably for any advertising purposes, without the prior written consent of CA Indosuez and CFM Indosuez Wealth.

Any hyperlinks to the Website require the prior and express authorisation of CFM Indosuez Wealth.

 

9.  Deposit Guarantee and Resolution Fund (FGDR)

Our firm belongs to the Deposit Guarantee and Resolution Fund (Fonds de Garantie des Dépôts et de Résolution, FGDR) created by the French law of 25 June 1999, which provides for compensation of depositors and investors for their securities and deposits if their banking or financial institution fails or their assets are unavailable.

Deposit guarantee compensates depositors under the conditions set out by the regulations dealing in particular with the type and amount of the deposits covered and the definition of depositor, up to a maximum limit of one hundred thousand euros (€100,000) per depositor and subject to the specific conditions applicable.

Security guarantee covers the securities per investor under the conditions set out by the regulations, up to a maximum limit of seventy thousand euros (€70,000).

Collateral guarantee covers the collateral undertakings that a banking or financial institution is required to issue in favour of professionals under conditions in respect of upper limit and deductible specified by the regulations.

We invite you to download the attached information pack and to consult the website of the Fonds de Garantie des Dépôts et de Résolution for more information: www.garantiedesdepots.fr/en/.   

> Download documentation (English)

 

10. Credits

Photographs

Adobe Stock, Pixabay, Unsplash