Legal notices

Publisher and host of the site

Website and application publisher:

Caisse Fédérale du Crédit Mutuel.
Cooperative company organized as a public limited company with capital of € 5,458,531,008
RCS Strasbourg B 588 505 354
Intra-community VAT number: FR 62 588 505 354
4 rue Frédéric-Guillaume Raiffeisen 67906 Strasbourg CEDEX 9
Head office : 4 rue Frédéric-Guillaume Raiffeisen, 67000 Strasbourg.
Telephone : 03 88 14 88 14
Bank governed by Articles L.511-1 et seq. of the French Monetary and Financial Code
Publication Director: Daniel Baal, President

Website and application host:

Euro-Information.
Simplified Joint Stock Company
Head office: 4 rue Frédéric-Guillaume Raiffeisen, 67000 Strasbourg.
Registered with the Strasbourg Trade and Companies Register (RCS): 312 730 674.
Telephone: 03 88 14 88 14

This audiovisual communication service was the subject of a declaration to the Public Prosecutor's Office of the Strasbourg High Court on 02/08/1999 under reference L10 2547/99 and to the Superior Audiovisual Council, receipt dated 02/17/1999. For the purposes of this document, the 15 Crédit Mutuel groups marketing Crédit Mutuel products are hereinafter referred to without distinction as “Crédit Mutuel”.

Liability

Crédit Mutuel does not accept any responsibility for the content of the site or applications and the use that may be made of them.

The products and services described in these pages do not constitute a commercial offer. Only the competent Crédit Mutuel departments responsible for marketing have the ability to determine the possible availability of the services and products concerned and to set the conditions, including pricing, currently in force which apply to them.

In addition, access to certain products and services may be restricted for contractual reasons.

Crédit Mutuel cannot be held responsible in any way if the documents and related graphic elements published on this server contain technical inaccuracies or typographical errors, and also for changes that are periodically made to the information contained on this server.

Legal Notice

The general structure of the site and applications, software, texts, images whether animated or not, photographs, graphic elements as well as their presentation and assembly, and in general all other elements appearing on the site or applications are protected by intellectual property law.

Crédit Mutuel is protected under trade mark law.

All data relating to individuals collected directly by Crédit Mutuel and disseminated on its website or applications has been subject to a prior authorization request from the individuals concerned.

Any use on its site or applications of logos, personal information belonging to a third party as well as any dissemination of articles published in the written press has been subject to prior, express and written authorization (on paper or electronic media).

Use of the content of the site or applications

By accessing its site, its applications or any of its elements, Crédit Mutuel authorizes you to use them under the conditions defined below.

Under this right of use, the following uses are exclusively authorized:

• a private, personal and non-transferable right of use over the content of its site and its applications or one of its elements,
• a right of reproduction for storage for the purposes of representation on a single-user screen and reproduction, in one copy, for backup copy or printing on paper.

Any use of documents, of any nature whatsoever, from its site or its applications must mention the source.

However, any representation and/or reproduction, even partial, of the content of its site or its applications and/or any of its elements is expressly prohibited, in particular:

• For commercial and/or distribution purposes.
• Any use of any of the elements of its site or its applications in a networked computer environment.
• When used as links. In particular, the presentation of a page of its site or its applications in a frame not belonging to Crédit Mutuel (using the "framing" ("transclusion") technique) and the insertion of an image belonging to Crédit Mutuel in a page not belonging to Crédit Mutuel (using the "in line linking" technique: a technique which allows an element, most often a graphic or audiovisual file, to be incorporated into an Internet page from another site; the incorporated element then appears on the screen automatically, without the user needing to click on the link) are prohibited.
• The extraction, by permanent or temporary transfer of all or a qualitatively or quantitatively substantial part of protected or unprotected elements of its site or its applications causing any harm to Crédit Mutuel, on another medium, by any means and in any form whatsoever. This particularly concerns elements protected by Law No. 98-536 of July 1, 1998, concerning the legal protection of databases.
• Reuse, by making available to the public all or a qualitatively or quantitatively substantial part of the content of the database, whatever the form. This particularly concerns elements protected by Law No. 98-536 of July 1, 1998, concerning the legal protection of databases.

However, the establishment of links to the page whose address is https://www.creditmutuel.fr is authorized, subject to compliance with the following cumulative conditions:

• The page must appear under this(these) address(es),
• the reproduction and representation of the links established from the figurative mark is authorized by Crédit Mutuel for this purpose only,
• sites operating links to this address must carry out an activity and distribute information, images and any other support in accordance with public order and morality and generally comply with French law.

Crédit Mutuel reserves the right to modify or correct the content of its site or applications at any time and without notice.

Crédit Mutuel reserves all rights that are not expressly granted herewith.

Hypertext links established where applicable towards other sites from creditmutuel.fr cannot, under any circumstances, engage the responsibility of Crédit Mutuel.

Pre-contract information

The Crédit Mutuel Web site is open for on-line distance selling. In compliance with the regulations, pre-contract information is provided for your use.

Approvals

The Crédit Mutuel is approved by the French Prudential and Resolution Supervisory Body to provide the following investment services:

• Receiving and sending orders on behalf of a third party.
• Carrying out orders on behalf of a third party.
• Proprietary trading.
• Managing portfolios on behalf of a third party.
• Financial investment consultancy.
• Underwriting.
• Investments.

It is also authorised to provide custody and banking services. These approvals may be viewed on the site of the Banque de France.

Customer relationship and Ombudsman department

Find out more about the mediation procedure

Mediation Website of Crédit Mutuel

Register of insurance intermediaries

The Register of Insurance Intermediaries (ORIAS) lists individuals and legal entities authorized to carry out insurance or reinsurance intermediation activities.

The Caisse Fédérale de Crédit Mutuel, a cooperative company organized as a public limited company with capital of €5,458,531,008 (RCS B 588 505 354), 4 rue Frédéric-Guillaume Raiffeisen 67906 Strasbourg Cedex 9 and the Caisses du Crédit Mutuel are insurance intermediaries registered in the national register, under the unique identification number 07 003 758, available at www.orias.fr or at 01 53 21 51 70, for the following companies, governed by the insurance code:

• ACM IARD S.A. - Registered with the Strasbourg RCS under 352 406 748
• ACM Vie S.A. - Registered with the Strasbourg RCS under 332 377 597
• ACM Vie SAM (Société d'Assurance Mutuelle - Mutual Insurance Company)
• SERENIS ASSURANCES S.A. - Registered with the Romans RCS under 350 838 686

Online consumer reviews

Any review submitted is subject to moderation according to the following rules:

• Publication in chronological order of entry of all reviews and general questions, except in the case of the presence of comments:
  • referring to one of the following areas: racial or ethnic origins, sex, religion, political or trade union opinions, health
  • defamatory, insulting, discriminatory, violating the dignity of persons or inciting hatred,
  • enabling the identification of any person or other organization,
• No consideration is provided in exchange for submitting reviews.
• Each review comes from a verified customer who can be contacted
• Published reviews can no longer be modified by their author but can be deleted by the latter and replaced by a new review
• Reviews remain visible on the site for 2 years after their publication
• The maximum retention period for reviews is 2 years.