Legal notices

Publisher and host of the site

Website and application publisher:

Crédit Industriel et Commercial (CIC).
Bank governed by Articles L.511-1 et seq. of the French Monetary and Financial code.
Public limited company with capital of €611,858,064
Head office: 6 avenue de Provence 75009 Paris.
Mailing address: 75452 Paris CEDEX 09.
Telephone: 01 45 96 96 96.
Email: contact your agency
SWIFT code: CMCIFRPP.
Registered with the Paris Trade and Companies Register: 542 016 381.
Intra-Community VAT: FR34542016381.
For operations carried out in its capacity as an intermediary in insurance transactions ORIAS 7 025 723 (www.orias.fr).
Credit institution approved by the Prudential Control and Resolution Authority ACPR, 4 Place de Budapest, CS 92459, 75436 París CEDEX 09.

Publication Director: Daniel BAAL, President.

Email Editor:

Crédit Industriel et Commercial.
Public limited company with capital of €611,858,064.
Head office: 6 avenue de Provence – 75009 Paris.
Registered with the Paris RCS: 542 016 381.
ORIAS No.: 7 025 723.

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

Responsibility

CIC 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 CIC 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.

CIC 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.

For the purposes of this document, the CIC banks marketing remote banking products at cic.fr are, without distinction, hereinafter referred to as “CIC”.

Crédit Industriel et Commercial.
Public limited company with capital of €611,858,064.
Head office: 6 avenue de Provence – 75009 Paris.
Registered with the Paris RCS: 542 016 381.
ORIAS No.: 7 025 723.

Banque CIC Nord Ouest
Public limited company with capital of €230,294,872.
Head office: 33 avenue Le Corbusier 59000 Lille.
Registered with the Lille Métropole RCS: 455 502 096.
ORIAS N°.: 07 008 437.

Banque CIC Ouest
Public limited company with capital of €86,998,832.
Head office: 2 avenue Jean-Claude Bonduelle BP 84001 44040 Nantes CEDEX 1.
Registered with the Nantes RCS: 855 801 072.
ORIAS No.: 07 008 480.

Banque CIC Est
Public limited company with capital of €225,000,000.
Head office: 31 rue Jean Wenger-Valentin 67000 Strasbourg.
Registered with the Strasbourg RCS: 754 800 712.
ORIAS N°.: 07 026 287.

CIC Lyonnaise de Banque
Public limited company with capital of €290,568,363.
Head office: 8 rue de la République 69001 Lyon.
Registered with the Lyon RCS: 954 507 976.
ORIAS No.: 07 022 698.

Banque CIC Sud Ouest
Public limited company with capital of €258,498,240.
Head office: 20 quai des Chartrons 33 000 Bordeaux.
Registered with the Bordeaux RCS: 456 204 809.
ORIAS N°.: 07 027 272.
Bank governed by Articles L.511-1 et seq. of the French Monetary and Financial Code.

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.

CIC is protected under trade mark law.

All data relating to individuals collected directly by CIC 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, CIC 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 CIC (using the "framing" ("transclusion") technique) and the insertion of an image belonging to CIC in a page not belonging to CIC (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 CIC, 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.cic.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 CIC 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.

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

CIC reserves all rights that are not expressly granted herewith.

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

Pre-contract information

The CIC 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 Industriel et Commercial 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 CIC

Insurances and services

Contracts are taken out with:

• ACM IARD SA.
  Public limited company with capital of €194,535,776.
  Head office: 4 rue Frédéric-Guillaume Raiffeisen, 67000 Strasbourg.
  Registered with the Strasbourg RCS: 352 406 748.
  VAT Number: FR87352406748.
  Mailing address: 63 chemin Antoine Pardon 69814 Tassin CEDEX.
  Company governed by the Insurance Code.
• ACM Vie SA.
  Public limited company with capital of €577,357,536.
  Head office: 4 rue Frédéric-Guillaume Raiffeisen, 67000 Strasbourg.
  Registered with the Strasbourg RCS: 332 377 597.
  VAT Number: FR60332377597.
  Mailing address: 63 chemin Antoine Pardon 69814 Tassin CEDEX.
  Company governed by the Insurance Code.
• ACM Vie SAM.
  Mutual insurance company with fixed contributions.
  Head office: 4 rue Frédéric-Guillaume Raiffeisen, 67000 Strasbourg.
  VAT Number: FR69303528442.
  Company governed by the Insurance Code.
• SERENIS ASSURANCES S.A.
  Public limited company with capital of €16,422,000.
  Head office: 25 rue Docteur Henri Abel 26000 VALENCE.
  Registered with the Romans RCS: 350 838 686.
  VAT Number: FR13350838686.
  Company governed by the Insurance Code.

They are marketed under the CIC Assurances brand by the bank:

Crédit Industriel et Commercial.
Public limited company with capital of €611,858,064.
Head office: 6 avenue de Provence – 75009 Paris.
Registered with the Paris RCS: 542 016 381.
ORIAS No.: 7 025 723.

Bank governed by Articles L.511-1 et seq. of the French Monetary and Financial Code for transactions carried out in its capacity as intermediary in insurance transactions. The services are marketed under the brands:

• ACM-Services.
  Public limited company with capital of €6,000,000.
  Head office: 4 rue Frédéric-Guillaume Raiffeisen 67906 Strasbourg CEDEX 09.
  Registered with the Strasbourg RCS: 432 710 135.
• Homiris / Homiris Pro are the services of the EPS company¹.
  Simplified Joint Stock Company with capital of €1,123,600.
  Head office: 30 rue du Doubs 67100 Strasbourg.
  Registered with the RCS 338 780 513.
  APE Code: 80 20 Z.

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.