Legal Notice

Website Design and Development
The design and development of the Website are carried out by Banque Richelieu France.

Website Maintenance and Hosting
The Website is maintained and hosted by Cognix Systems, using the OVH platform, a simplified joint-stock company (SAS) with share capital of €40,000, registered with the Lille Métropole Trade and Companies Register under number 424 761 419, whose registered office is located at 2, rue Kellermann, 59100 Roubaix, France.

General Terms of Use
The website is the property of Banque Richelieu France and includes:
– the website https://banquerichelieufrance.com
– related websites, including “myrichelieu.fr”,
– associated applications, including “My Richelieu” and “My Richelieu Scan”,
– all integrated services and associated documents,

collectively referred to as the “Site”.

Banque Richelieu France provides Users (“Users”) with services enabling them to:
– consult information related to the creation, management, and development of their securities portfolio,
– access their securities accounts, subject to acceptance of specific terms of use.

Acceptance of the Terms of Use
Access to and use of the Site (including its Applications) constitutes the User’s acknowledgment that they have read and accepted these General Terms of Use (“Terms”).

ANY ACCESS OR USE OF THE SITE AND ITS APPLICATIONS CONSTITUTES UNCONDITIONAL ACCEPTANCE OF THESE TERMS. USERS WHO DO NOT ACCEPT THE TERMS MUST NOT USE THE SITE AND MUST UNINSTALL THE APPLICATIONS.

The version of the Terms currently available online is the only version enforceable throughout the User’s use of the Site, until replaced by a newer version.

Users are therefore required to consult the Terms with each new connection.

Authorisation and Regulatory Status
Banque Richelieu France (the “Bank”) is a French credit institution and investment services provider, authorised and supervised by the ACPR (Autorité de Contrôle Prudentiel et de Résolution).

ACPR Contact: 4 Place de Budapest, CS 92459, 75436 Paris Cedex 09 — acpr.banque-france.fr.

The Bank is also subject to:
– supervision by the European Central Bank (ECB) with respect to financial soundness,
– supervision by the Autorité des marchés financiers (AMF) as an investment services provider.

The Bank is subject to the provisions of the French Monetary and Financial Code and the AMF General Regulation.

Insurance Intermediary Register
The ORIAS register lists all authorised insurance and reinsurance intermediaries.

Banque Richelieu France is registered as an insurance broker under number 08 042 935.
Its financial guarantee and professional liability insurance are compliant with Articles L.512-7 and L.512-6 of the French Insurance Code.

The Bank is not bound by exclusivity with any insurance company.
The names of the insurance companies the Bank works with may be provided upon request.

Purpose of the Site
The Site provides Users with information on the Bank’s products and services, provided that Users ensure they are legally allowed to access the Site from their country of connection.

It also enables Bank clients to access their accounts, and provides certain financial information to the Bank’s partners.

The Site is for informational and consultative purposes only and does not allow transactions of any kind.

Disclaimer
Users should be aware of the following:

Some of the Site’s content is derived from documents considered reliable.

However, information on financial instruments must not be construed as:
– an offer of service or product,
– an inducement or recommendation to invest or trade,
– a solicitation to buy or sell financial instruments,
– a contractual commitment,
– financial, legal, tax, or other advice.

No element of the Site constitutes a basis for an investment decision.
Users are strongly encouraged to seek professional advice before making any investment. The Bank accepts no liability for use of the information in violation of these Terms.

Jurisdictional Restrictions
Some jurisdictions may restrict access to or the use of this Site.
Users must ensure that they are legally authorised to access it from their country.

Non-residents (outside France)
Access to the products and services described may be restricted by local laws.
Individuals must verify with their legal or tax advisors that they are authorised to subscribe to these services.

US Persons Warning
The Site, its products, and its services are neither offered nor sold to US Persons, pursuant to the US Securities Exchange Act of 1934, as amended.
Products and services may not be subscribed to by US Persons unless expressly permitted under applicable US law.

By accessing the Site, Users confirm that such access complies with all laws applicable to them.

Access Conditions
Users confirm that they have the skills and equipment necessary to access and use the Site.

The Bank cannot be held liable for elements outside its control or for any damage affecting the User’s technical environment (computers, software, network equipment, etc.). Telecommunication costs are borne by Users.

The Site is normally available 24/7 except in cases of force majeure, third-party action, or maintenance. Any interruption will be notified on the homepage or by any other means. Such interruptions do not give rise to compensation.

The Bank may terminate access at any time in the event of a breach of the Terms by the User.

Editorial Content
The Bank may amend the Site at any time without notice and declines responsibility for:
delays, errors, or omissions, interruptions or unavailability of the Site.

Although the Bank applies reasonable diligence and uses independent partners to ensure the reliability of information, it does not guarantee accuracy, completeness, relevance, or timeliness.

Information may be amended at any time.

The Bank is not liable for decisions made based on the Site or for damages (direct or indirect), including financial loss. Users acknowledge that past performance does not guarantee future results and that they access and use the content at their own risk.

Certain financial data are provided under licence and protected by copyright. Users may not reproduce, modify, or redistribute this content.

Information on Financial Instruments
Financial instruments may vary in value, and Users may lose part or all of their investment.

Simulations of past or future performance are not reliable indicators of actual future results.
Exchange-rate fluctuations, commissions, or charges may affect performance.

Certain instruments are intended only for investors with appropriate knowledge and experience.
Depending on the instruments offered, the Bank may assess suitability or appropriateness.

Intellectual Property
All trademarks, logos, texts, illustrations, software, and other elements appearing on the Site are protected by intellectual property law.

The Bank owns the Site (including Applications) or holds the necessary authorizations.

Content is strictly for personal use.

Any reproduction, distribution, public communication, or adaptation — in whole or in part — without the Bank’s prior written consent is strictly prohibited and may result in legal action.

The Bank’s failure to act does not constitute a waiver of rights.

Protection of Personal Data
The Bank places the highest importance on protecting Users’ personal data collected during browsing (public or private space) or via its applications.

In accordance with applicable regulations, Users have the right to: object (depending on the legal basis), access, rectify, erase their personal data.

To exercise these rights:

Data Protection Officer (DPO)
Banque Richelieu France
1-3-5 rue Paul Cézanne, 75008 Paris
Email: protectiondesdonnees.fr@banquerichelieu.com

Users may also lodge a complaint with the CNIL.
A full Personal Data Protection Charter is available on the Site.

Confidentiality and Security
The private client and partner spaces operate through a secure SSL 128-bit connection.
Users receive personal credentials (login, password, OTP card).
They must keep these secure and confidential.

The Bank cannot be held liable for their disclosure or use by third parties.
Users are responsible for logging out properly.
Internet security cannot be guaranteed; electronic communications may be intercepted or altered.

The Bank disclaims all liability in this respect.

Hyperlinks
Links from the Site to external websites do not engage the Bank’s liability.
Links to the Site require the prior written authorisation of the Publishing Director.

Cookies and Tracking Technologies
The Site uses cookies to ensure secure and improved browsing.

Types of cookies:
– Essential cookies (functional)
– Analytics cookies
– Third-party cookies (e.g., embedded videos)

Users consent to the use of cookies but may disable them in their browser.
Disabling cookies may limit access to personalised services.

Governing Law
The site is governed by French law. Any disputes fall under the exclusive jurisdiction of French courts.
The official language of the site is French.