General Banking Terms and Conditions

Legal Notice

Editor


•    ARKEA BANKING SERVICES
•    Headquarters : Tour d’Ariane, 5 place de la Pyramide, 92088 PARIS LA DEFENSE, France
•    Tel. : +33.1.41.97.81.99
•    Email : contact-abs@arkea.com
•    SIREN : 440 180 388 RCS Nanterre.
•    French private company governed by an executive board and a supervisory board with a share capital of 46 500 000 euros.
•    Chairman of the supervisory board, director of the publication: Jacques Enjalbert.
•    Co-director of publication: Jérome Peraud.

Arkea Banking Services owns a banking license. Its accreditation is searchable in the website of the Banque de France or by writing to:
Banque de France
Direction des Agréments, des Autorisations et de la Réglementation - 40.2785
75049 PARIS CEDEX 01
Arkea Banking Services is subject to control of the French regulator: Autorité de Contrôle Prudentiel et de Résolution (ACPR) regarding to the respect of the legislative and regulatory provisions.
Hosting company :
•    GIE Fédéral Service
•    Headquaters : 1, rue Louis Lichou 29480 Le Relecq-Kerhuon, France
•    Tel : +33.2.98.00.22.22
•    SIREN : 322 602 087 RCS Brest
•    Economic Interest Group  is governed  by the ordery of the 23rd September 1967
•    President : Gabriel Lansonneur

Website usage terms and conditions
•    The term ‘Arkea Banking Services’ or ‘us’ or ‘we’ refers to the owner of the website whose registered office is Tour d’Ariane, 5 place de la Pyramide, 92088 PARIS LA DEFENSE, France. The term ‘you’ refers to the user or viewer of our website.
The use of this website is subject to the following terms of use:
•    The content of the pages of this website is for your general information and use only. It is subject to change without notice.
•    Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
•    Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
•    This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
•    All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
•    Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
•    From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
•    Your use of this website and any dispute arising out of such use of the website is subject to the French laws.


Business privacy policy

This privacy policy sets out how Arkea Banking Services uses and protects any information that you give Arkea Banking Services when you use this website.
Arkea Banking Services is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.
Arkea Banking Services may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.
What we collect
We may collect the following information:
•    name and job title
•    contact information including email address
•    demographic information such as postcode, preferences and interests
•    other information relevant to customer surveys and/or offers
What we do with the information we gather
We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:
•    Internal record keeping.
•    We may use the information to improve our products and services.
•    We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
•    From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.

 

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
Controlling your personal information
You may choose to restrict the collection or use of your personal information in the following ways:
•    whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
•    if you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at contact-abs@arkea.com
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.
If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible at the above address. We will promptly correct any information found to be incorrect.


Website disclaimer - sample template

The information contained in this website is for general information purposes only. The information is provided by Arkea Banking Services and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.
Through this website you are able to link to other websites which are not under the control of Arkea Banking Services. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.
Every effort is made to keep the website up and running smoothly. However, Arkea Banking Services takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.


Copyright notice - sample template
This website and its content is copyright of Arkea Banking Services - © Arkea Banking Services 2017. All rights reserved.


Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:
•    you may print or download to a local hard disk extracts for your personal and non-commercial use only
•    you may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material
You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.

 

The deposit garantee

The Fonds de Garantie des Dépôts et de Résolution (FGDR), created by law in 1999, protects clients when a banking institution fails. The Deposit Guarantee compensates depositors for an amount up to €100,000 per person, per institution. The Investors Guarantee compensates up to €70 000 per person, per institution, for securities (stocks, bonds, ). The FGDR can also intervene on a Resolution basis, before the institution fails.

 FGDR booklet.

 

Our Corporate Social Responsibility

Morever to the general project launched by Arkéa at a group level, Arkéa Banking Services has chosen to include a CSR component in its strategic plan.

This will requires first of all the respect of values:

Responsible - Like our cooperative model and our values of commitment, openness and ambition. These are the driving forces behind our daily actions.

Societal - this is our state of mind : to act in a fair and respectful way, to work for a more equitable society and to share these convictions with our customers.

Company - It is what sustains us and that we defend every day. It is a responsibility that we bear individually, collectively and of which we are proud.

 

And will be reflected by the implementation of concrete actions to:

Establish a corporate culture that will enable Arkéa Banking Services to improve its environmental impact.

Establish a gender diversity circle to imagine the actions to be implemented on this theme.

Support our customers in their own CSR approach.