Legal Notice

Effective 01/06/2023

Site Design and Development

The design and development are ensured by Banque Richelieu France and by the company MAEHAD, a simplified joint-stock company with a single partner (SASU) with a share capital of 1,000 euros registered in the Paris Trade and Companies Register, under number 837 526 177, whose head office is located at 42 rue de Maubeuge 75009 Paris.

Site Maintenance and Hosting

Maintenance is carried out by SAND360, a simplified joint-stock company with a capital of 30,000 euros registered with the Paris Trade and Companies Register under number Paris 904 383 932, whose head office is located at 91 rue du Faubourg Saint-Honoré 75008. 

Hosting is provided by : 
Cognix Systems  from OVH Platform
RCS Roubaix-Tourcoing B 424 761 419
Head Office : 140 Quai du Sartel
59100 ROUBAIX – France 

Terms and Conditions of Use

The Site is the property of Banque Richelieu France and includes:

• the website “https://banquerichelieufrance.com”,
• the associated websites and in particular “myrichelieu.fr”,
• the associated applications and in particular “My Richelieu” and “My Richelieu Scan”,
• all integrated services and all associated documents.

collectively referred to below as the “Site”.

Access to the Site

Access to the Site (including its Applications) is subject to acceptance of these General Terms and Conditions of Use.

ANY USE OF THIS WEBSITE AND ITS APPLICATIONS IMPLIES UNCONDITIONAL ACCEPTANCE BY ALL INTERNET USERS, ALL CLIENTS AND PARTNERS, OF THE PROVISIONS CONTAINED IN THESE GENERAL CONDITIONS OF USE. IF YOU DO NOT ACCEPT THEM, PLEASE DO NOT USE THE SITE AND/OR UNINSTALL THE APPLICATIONS.

The current online version of these conditions of use is the only one opposable for the duration of use of the Site and until a new version replaces it.

We invite you to consult the following pages each time you connect to the Site, as these may be modified at any time.

Approval

Banque Richelieu France (hereinafter the “Bank”) is a credit institution, providing investment services under French law, authorised and controlled by the French Prudential Supervision and Resolution Authority (“ACPR”). For additional information on the subject, you can contact ACPR, 4, Place de Budapest, CS 92459, 75436 Paris Cedex 09 or consult its website: acpr.banque-france.fr.

The Bank is subject to the control of the ACPR, especially for compliance with the rules relating to the protection of customers, to the supervision of the European Central Bank (ECB) for its financial strength, as well as to the control of the Authority financial markets (AMF) as an investment services provider.

As such, the Bank is subject to the legislative and regulatory provisions of the Monetary and Financial Code, the General Regulations of the Financial Markets Authority and is authorized to carry out all banking operations as well as to provide the following main investment services:

• reception and transmission of orders;
• execution of orders on behalf of third parties;
• investment advisory;
• portfolio management on behalf of third parties;
• investment;
• services related to investment services.

Register of Insurance Intermediaries

The French Insurance Brokers Registry (ORIAS) lists the persons, natural or legal, authorized to exercise the activity of insurance or reinsurance intermediation.

Banque Richelieu France is registered under number 08 042 935 as an insurance broker. Financial guarantee and professional civil liability in accordance with articles L.512-7 and L.512-6 of the Insurance Code.

The Bank is under no exclusivity obligation with one or more insurance companies. The name of the insurance companies with which Banque Richelieu France operates will be communicated to any party upon request.

Objective of the site

The Site aims to provide users with information on the products and services offered by Banque Richelieu France. It also allows Banque Richelieu France clients to check their accounts as well as access the Bank’s partners access to certain figures. This Site is for advisory purposes only and thus does not allow you to carry out any transaction whatsoever.

Warning

The user must pay attention to the following warnings:
The information on the website, particularly regarding financial instruments, may not be interpreted as:

• a service or product offer,
• a proposal or incentive for an investment or arbitrage of financial securities,
• a solicitation for the purchase or sale of financial securities or any other investment product,
• a buy or sell recommendation,
• an incentive to make any investment,
• a contractual element.

No element on the Site shall amount to financial, legal, tax or other type of advice or be used as grounds for an investment or other type of decision. We recommend you to obtain sound professional advice before making any investment decision and performing any due diligence. The Bank shall not be held liable for any use of this information which does not comply with these rules.

Restrictions

Certain laws prohibit the distribution, access to this Site or the use of data collection processes. Please make sure that you are legally authorised to log into this site in the country (State) from which the login is established.

Warning for non-residents (residents outside France):

Access to the products and services described on this Site may be prohibited 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 country of origin or of any other country which concerns him prohibits it: it is up to any person willing to subscribe to products/services to check with his usual advisors if his legal and tax status allows him to subscribe to such products/services.

Warning for “US Person”:

Use of the site and the products or services presented herein are not offered or sold to US Persons in accordance with the amended US Securities Exchange Act of 1934. Consequently, the products or services of this website are not intended for US Persons and cannot be subscribed to by these persons, except in application of an exemption expressly provided for by the law applicable in the United States. The reader of this message must ensure that he is legally authorized to log into this site in the country from which the login is established.

The reader confirms by logging into this site that this choice complies with all applicable laws and regulations.

Site access conditions

The user of the Site acknowledges that they have the skills and resources needed to access and use the website.

Banque Richelieu France shall not be held liable for any elements outside its control and any damage potentially sustained by the user’s technical facilities and especially their computers, software, network equipment and any other material used to access or use the service and/or the information.

Any expenses incurred to access and use the telecommunications networks shall be borne by the user, following the methods set by his access suppliers and telecommunications operators.

The Site is accessible 24 hours a day, 7 days a week, except in cases of force majeure, act(s) of third parties and/or maintenance work and interventions necessary for the proper functioning of the Site. In this case, this interruption will be notified by means of a warning displayed on the home page or through any other process. This interruption cannot under any circumstances engage the responsibility of Banque Richelieu France and does not give entitlement for any compensation. Furthermore, Banque Richelieu France may terminate access to the Site at any time following any breach of these conditions by the user.

Content of the site

Banque Richelieu reserves the right to correct the content of this website at any time and without any prior notice. Banque Richelieu France shall not be held liable in the event of any delay, error or omission in terms of the content of these pages, or in case of disruption or unavailability of the service.

Even though the information posted on the Site has been provided in good faith and/or by trustworthy sources, Banque Richelieu France does not guarantee its accuracy, comprehensiveness, relevance or reliability, particularly considering terms for update, handling and controls. It is subject to modification at any time and without prior notice.

The user must check the accuracy of this information and use it while keeping a critical eye. In this respect, Banque Richelieu France may not be held liable for any decision based on any information contained in this Site, or for its potential use by third parties.

Banque Richelieu France shall circulate information (information or financial data) on their Site, whose distribution rights have been granted by datafeed suppliers. Said information is protected by copyright laws. Any modification, publication, redistribution or reproductions of said information in order to provide them to a third party is strictly prohibited. Any reproduction, or generally speaking any unauthorised use of information shall result in the user’s liability.

Information about financial instruments

Banque Richelieu France may circulate information relating to financial instruments. As the value and yield 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 past performance of a financial instrument or of a type of financial instrument are not a reliable indicator of future results. When simulations of future performance are presented, the data relating to this performance are only forecasts and do not constitute a reliable indicator as to the future results of the product. Exchange rate fluctuations are also to 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 of simulations or past performance records.

Banque Richelieu France draws the attention of the user who wishes to invest, and warns him, in general, about the risks associated with the field of the stock market, uncertainties, volatility and liquidity, and more precisely about the risks inherent in certain financial products and securities. Since certain financial instruments are not suitable for the general public but for a population of people with knowledge and experience in the matter or so-called informed investors, Banque Richelieu France may be required, depending on the type of financial instruments it offers and the classification it assigns to the user, to verify the suitability for his needs or the appropriateness of the financial instruments with regard to his hedging or investment objectives, his knowledge and his experience.

Intellectual property

All trademarks, texts, comments, illustrations, animated or still images, video sequences, sounds, as well as all software applications that could be used to operate this Site and more generally all elements reproduced or used on the Site are protected by the laws in force in respect of intellectual property.

Banque Richelieu France is the owner of the Site (including the Applications) as defined in the introduction to these T&Cs and/or is authorized to use all rights over all the elements contained in this Site, especially data , drawings, graphics, photos and documents as well as databases and software.

Any reproduction, representation, distribution, redistribution, use or total or partial adaptation 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 Banque Richelieu France are prohibited, and shall amount to counterfeit, which is punishable under articles L. 335-2 et seq. of the Intellectual Property Code. The fact that the Bank does not initiate proceedings as soon as it becomes aware of these unauthorized uses does not constitute acceptance of said uses and waiver of legal proceedings.

Personal data protection

Banque Richelieu France attaches the utmost importance to the protection of your personal data that you may be required to communicate to it, particularly when browsing on its Site (public and private space) or its applications. In accordance with the regulations in force, you have in particular a right of opposition (depending on the legal basis of the processing), access, rectification and erasure of the personal data concerning you. To exercise any of these rights, you can write to the following address:

Data Protection Officer (DPO)
Banque Richelieu France
1-3-5, rue Paul Cézanne
75008 Paris

or by e-mail to the following address protectiondesdonnees.fr@banquerichelieu.com

You can also file a complaint with the National Commission for Information Technology and Civil Liberties (CNIL), 3 place de Fontenoy TSA 80715 75334 PARIS CEDEX 07

• Consult our Personal Data Protection Charter

Confidentiality and security

The private area of the website, as well as the area reserved for partners is accessible via a secure connection which guarantees that any information on the data of the customer/partner is encrypted. This is made secure following the 128-bit SSL (Secure Standard Layer) technology. The customer/partner must make sure they own a browser with enabled secure access.

Banque Richelieu France provides its clients/partners with an identification (or “login”), a password and an OTP card (“One Time Password card”) to help them check their account(s). Clients/partners are advised to change their password after their first use. The identification, password and OTP card are strictly personal and confidential.

It is in the interest of the client/partner to ensure their conservation so that they cannot be known, and therefore, used by a third party. Banque Richelieu France cannot be held liable for the consequences that may arise from their disclosure. The user may be held liable for damages suffered by Banque Richelieu France or by any other user or visitor to the Site due to the use of their username, password, OTP card or account by another person.

Clients/partners undertake to log off this website and are exclusively liable for that logoff.

Users are advised that the secrecy of correspondence is not ensured on the Internet. Any information sent by this system is at your own peril.

Hyperlinks

Hyperlinks set up from the « https://banquerichelieufrance.com » site to other sites do not engage the responsibility of Banque Richelieu France, in particular its responsibility, with regard to all the content of other direct or indirect resources.

Banque Richelieu France shall not be held liable for any hyperlinks to its website “https://banquerichelieufrance.com”, which in any case require the express and prior authorization of the Director of Publication.

Applicable Law and attribution of jurisdiction

This Site is governed by French law and any litigation shall be subject to the jurisdiction of the courts within the jurisdiction of the Paris Court of Appeal.

Cookies – Connection cookies – Trackers

The use of cookies is widespread on the Internet. A cookie is a text file saved in the hard drive memory of your device (e.g. computer, tablet or mobile phone) when you visit a website, through your browser software. It is transmitted by the server of a website to your browser. The cookie file helps its issuer identify the device where it has been saved during the validity or storage period of the cookie in question.

We use cookies on our website, in order to enable secure and more efficient browsing by users, by improving the presentation of the website and facilitating access to secure sections. The sole purpose of this cookie is to store information on the identification of the user and the browsing on the user’s computer within this site.

Users acknowledge they have been informed about this practice and authorize Banque Richelieu France to apply it. They may refuse cookies through the settings in their browser software. However, disabling cookies may restrict access to customized services for Banque Richelieu France clients.