Terms and Conditions

CA Indosuez

We are proud to present our bank, a subsidiary of Crédit Agricole group and a parent company of the Indosuez Wealth Management group, via our Website france.ca-indosuez.com (hereinafter the “Website”). 

 

The Owner and Publisher of the Website is CA Indosuez, limited company (société anonyme) with share capital of €853,571,130, parent company of Indosuez group and a credit institution licenced to provide investment and insurance brokerage services, having its registered office at 17, rue du Docteur Lancereaux, 75008 Paris, France, registered in the Paris Trade and Companies Registry under number 572 171 635 (individual VAT ID number: FR 075 72 17 16 35).

The Head of Publication is Jacques Prost, Chief Executive Officer of CA Indosuez, the Managing Editor is Charlotte de Chavagnac, Head of Marketing & Communications, CA Indosuez.

The Website Host is 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.

If you have any questions or remarks, please contact us at the following address communication@ca-indosuez.com or by phone on +33 (0)1 40 75 62 62.

 

Supervisory authorities

Our bank is supervised by the European Central Bank and:

  • for its banking and insurance intermediation activities, by the French Prudential Supervision and Resolution Authority (ACPR) (4, place de Budapest – 75436 Paris Cedex 09);
  • for the provision of investment services, by the French Financial Markets Authority (AMF) (17, place de la Bourse – 75082 Paris Cedex 02).

Our bank is registered with ORIAS for its insurance brokerage activity, under number 07 004 759 - ORIAS – 1, rue Jules Lefebvre – 75331 Paris Cedex 09, http://www.orias.fr.

 

The French Deposit Guarantee Scheme (Fonds de Garantie des Dépôts et de Résolution (FGDR))

Our bank is a member of the French Deposit Guarantee Scheme (FGDR). Click here to download the FGDR brochure. 

> Information on deposit compensation
> FGDR website

 

Switching Banks

We help our clients switch to our bank.

For more information about the terms and conditions of this service, please see the Guides to Switching Banks available here:

> Download the Guide - Feb. 2019 (FR)
> Download the Guide - Sept. 2016 (FR)

 

Information pertaining to Credit Agreements relating to Residential Immovable Property governed by the French Consumer Code

In accordance with applicable regulations (resulting from Ministerial Order No. 2016-351 of 25 March 2016 on credit agreements for consumers relating to residential immovable property), the document below presents general information on credit agreements relating to residential immovable property offered by CA Indosuez in France. The general information is provided for information purposes; the granting of a home loan is subject to the analysis and acceptance of your application by CA Indosuez.  

> Download the general information (FR)

CA Indosuez draws your attention to the fact that on receiving a home loan offer, the borrower has a cooling-off period of ten days. Furthermore, if the sale of a property is subject to the approval of the loan, if the loan is not approved, the seller must reimburse the borrower for any sums paid in advance.

 

Please now read the general terms and conditions of use provided below.

General Terms and Conditions of Use of the Website

For purposes of the General Terms and Conditions of Use and the Website, the terms below are defined as follows:

  • “Indosuez”, “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.
  • “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.

The Website and its access or use are subject to French law and regulations. In the event of any dispute, the Paris Court of Appeals 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.

CA Indosuez reserves the right to modify the contents of these General Terms and Conditions of Use at any time. The User is deemed to be aware of the latest version of the General Terms and Conditions of Use each time they connect to the Website.

The Website is accessible 24 hours a day, 7 days a week, except in 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 for 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 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.

If a User does not wish to send personal information via the internet, they may send it by regular post to CA Indosuez.

The User agrees to respect the integrity of the Website They agree not to impede its operation, modify or delete any content, in part or in whole, or 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.

Access to the ebanking.ca-indosuez.fr website for clients of Indosuez in France is possible from 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 CA Indosuez. Any User wishing to access and use the online services should contact CA Indosuez.

 

3. Available information

All information and opinions of a general nature (economic, financial, etc.) featured on the Website are for information purposes only. Although CA Indosuez 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. 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. CA Indosuez 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, CA Indosuez 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. CA Indosuez 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 CA Indosuez.

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 CA Indosuez 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) access to and/or use of the Website is unlawful. Users are solely responsible for ensuring that they are legally authorised to access and/or use 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 products and services presented on the Website are intended to be used in accordance with the contractual conditions and rates applied by CA Indosuez in France, 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 CA Indosuez 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

CA Indosuez, 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 CA Indosuez was informed of the possibility of such losses, costs, complaints, charges or damages.

 

7. Job applicants and employment

The User can spontaneously apply or 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 Disclaimer 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 CA Indosuez 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 CA Indosuez. 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 CA Indosuez.

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

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

 

9. Confidentiality and integrity

The confidentiality and integrity of information on the internet cannot be guaranteed. As such, there is a risk that messages containing personal data, among other information, that a User sends CA Indosuez via the Website be intercepted and/or modified in terms of both content and origin. CA Indosuez declines all liability in this respect.

If a User does not wish to send personal information via the internet, they may send it by regular post to CA Indosuez.

CA Indosuez will not accept any instructions to execute a banking or financial transaction sent by electronic mail where said instructions require an order written and signed by the customer or the use of the services placed online by CA Indosuez.

CA Indosuez will never ask a User to log onto their online banking page or provide any confidential information (bank card number, PIN code, etc.), be it via the website or by electronic mail.

Furthermore, the User is reminded that any messages sent to CA Indosuez via the Website may be altered, lost, intercepted and/or modified, both in terms of their content and origin, and/or read by a third party. CA Indosuez declines all liability in this respect.

 

10. Credits

Photographies

Adobe Stock, Pixabay

Information concerning our SFDR policy

The EU Regulation 2019/2088 on Sustainability Reporting in the Financial Services Sector (SFDR) which came into force on 10 March 2021 requires its players to publish their policies with respect to:

  • the integration of sustainability risks into their investment decision-making process,
  • the consideration of the main negative impacts of investment decisions on sustainability factors,
  • the integration of sustainability risks into their remuneration policy (upcoming publication).

 

Information concerning Indosuez Wealth Management group: