Legal notices

Publisher

ARKEA BANKING SERVICES
Registered office: Bâtiment Le Bristol, 27 Av. des Murs-du-Parc 94300 VINCENNES
Tel.: 01 41 97 81 99
Email: contact-abs@arkea.com
SIREN: 440 180 388 RCS Creteil
Member of a single taxable person:
Crédit Mutuel Arkéa VAT Group - 1 rue Louis Lichou - 29480 LE RELECQ KERHUON
Group VAT identification no.: FR68920877214
ABS Intra-Community VAT identification no.: FR54440180388
A public limited company with an Executive Board and a Supervisory Board with share capital of €46,500,000.
Publication Director: Maria-Carolina BACELLAR

Arkéa Banking Services has received authorisation to operate as a bank. This authorisation may be consulted on the Banque de France website or by writing to:

Banque de France
Direction des Agréments, des Autorisations et de la Réglementation - 40.278575049
PARIS CEDEX 01

Arkéa Banking Services is subject to the supervision of the French Prudential Supervisory and Resolution Authority (ACPR) as regards compliance with the laws and regulations applicable to it.

Arkéa Banking Services is registered in the register of insurance intermediaries under no. 17 003 188 (the register is maintained by ORIAS (Organisme pour le Registre des Intermediaires en Assurances) located at 1 rue Jules Lefebvre, 75311 Paris CEDEX 9), which can be consulted at www.orias.fr.
In this context, Arkéa Banking Services has taken out a financial guarantee and insurance covering its professional civil liability in accordance with the provisions of Articles L512-6 and L512-7 of the French Insurance Code.

Hosting service provider

GIE Fédéral Service
Registered office: 1, rue Louis Lichou 29 480 Le Relecq-Kerhuon
Tel.: 02.98.00.22.22
SIREN: 322 602 087 RCS Brest
Economic Interest Group governed by the order of 23 September 1967
Chairman: Gabriel Lansonneur

Arkéa Banking Services has received authorisation to operate as a bank. This authorisation may be consulted on the Banque de France website or by writing to:

Banque de France
Direction des Agréments, des Autorisations et de la Réglementation - 40.278575049
PARIS CEDEX 01

Arkéa Banking Services is subject to the supervision of the French Prudential Supervisory and Resolution Authority (ACPR) as regards compliance with the laws and regulations applicable to it.

Note

The information contained on this site in no way constitutes commercial offers of products or services (with the exception of certain offers for which online subscription is organised and subject to compliance with the conditions indicated). Therefore, the publisher of the site may not be held liable for the content of the pages, which is distributed for information purposes only.

Any person wishing to obtain any of the products or services presented is invited to contact Arkéa Banking Services in order to be informed of all the subscription conditions related to the products and services. Subscription may be subject to restrictions and specific requirements that may be arise from the law applicable to the visitor to the site.

The texts, photos, images, drawings and sounds, and more generally all the elements contained in the site are copyright-protected . Any reproduction is therefore strictly prohibited.

Through this site you may access other sites, which are designed and managed under the responsibility of third parties. We have no control over the content of these sites and decline any responsibility, particularly with regard to their content.

The applicable law is French law and the competent courts are the French courts.

Privacy

Through this section, we wish to reaffirm our commitment to comply with the obligations of Law 78-17 of 6 January 1978 on "information technology, files and freedoms", as amended, and with the respect for privacy principle resulting therefrom.

In this respect, we consider that all personal data about you collected on our website (including your name, your postal address, your telephone number, your email address) constitute confidential data that may only be transmitted or used in accordance with the terms and conditions set out below.

Some of the information you provide to us is necessary to process your requests. If you choose not to provide your information, we will not be able to process your request.

This information is processed electronically.
It will mainly be used for the purposes of managing our relationship.

We are bound by professional secrecy with regard to such confidential information. However, by providing us with your personal information, you authorise us to share banking secrecy relating to this data, for the same purposes as those indicated above, with institutions and companies that are members of the Group, with its subcontractors and service providers and with the legally authorised administrative and judicial authorities (countries of the European Union or non-members of the European Union).

In particular, this information may be used by Crédit Mutuel Arkéa and the companies in its Group to send you commercial documentation by post, email or SMS in accordance with the laws in force. This personal information may also be provided, at their request, to official bodies and administrative or judicial authorities, including for the purposes of anti-money laundering or counter-terrorist financing. For the same reasons, pursuant to Regulation EC/1781 of 15 November 2006, in the case of funds transfers, certain personal data must be sent to the bank of the transfer recipient located in a country of the European Union or outside the European Union. For the execution of transfer orders, technical requirements may result in the transfer of data outside the European Union, particularly to the United States for transactions using the SWIFT secure network. The Account Holder may obtain any information concerning this transfer by consulting the "Information Notice" available on the website of the Fédération Bancaire Française (www.fbf.fr).

In accordance with legal provisions, we store this information under adequate security conditions and for limited periods of time.

Concerning personal information collected on our website, we remind you that you have the right of access, rectification and objection, particularly as regards its use for direct marketing purposes, under the conditions set out in the law of 6 January 1978 as amended. To exercise any of these rights, you may contact: Arkéa Banking Services - "Bâtiment Le Bristol, 27 Av. des Murs-du-Parc 94300 VINCENNES" instead of "Tour d’Ariane, 5 place de la Pyramide, 92088 PARIS LA DEFENSE or by email at contact-abs@arkea.com.
If you wish to exercise these rights, you can inform us about the types of processing (the purposes of which are detailed above) to which your request applies.

A maximum period of one month may be necessary between receipt of your message and its handling by our information system.

You may also exercise your right to object to the processing of your personal information for direct marketing purposes when this data is collected.

In addition, we inform you that Crédit Mutuel Arkéa is responsible for implementing the data processing carried out in connection with the management of accounts and services.

Deposit guarantee scheme

The Fonds de Garantie des Dépôts et de Résolution (FGDR), created by the law of 25 June 1999, is responsible for protecting and compensating customers in the event that their banking institution fails. The deposit guarantee scheme covers deposit accounts and passbook accounts up to €100,000 (excluding passbook accounts guaranteed by the French government). The investor compensation scheme covers all financial instruments up to €70,000. The performance bonds guarantee scheme covers regulatory surety commitments made by professionals for their clients.
The FGDR can also intervene in crisis resolution before a bank fails, to avoid consequences for customers.

Guides for protecting your accounts in the event that your bank fails:

French version English version

Policy on managing conflicts of interest

Pursuant to the provisions of Articles L533-10, 3 of the French Monetary and Financial Code and 313-18 et seq. of the General Regulation of the AMF, Arkéa Banking Services implements a system for detecting and managing conflicts of interest in order to protect the interests of its customers.
Arkéa Banking Services’ system is integrated into the system used by the Crédit Mutuel Arkéa group.

This system is based on:

Segregation of the Group’s various financial functions and activities among its entities.
Control of the flow of information among the various Group entities through governance rules and procedures and strict decisions within the Group.
A strict framework of rules and recommendations that the Group’s employees must follow when performing their duties.
Periodic or permanent controls of compliance of transactions carried out within the Group.

Our rules extend to entities with which we have a direct or indirect control relationship.
Our conflict of interest management policy is available below:

Conflict of interest management procedure

Our CSR policy

Corporate social responsibility

In addition to the overall policy introduced by its parent company, Arkéa Banking Services has chosen to include a CSR component in its strategic plan. This commitment mainly entails adherence to values:

Responsible - Such as our cooperative model and our values of engagement, openness and boldness. These are the drivers of our day-to-day actions.
Social - this is our mindset: to act fairly and respectfully, work for a fairer society and share these convictions with our customers.
Corporate - This is what keeps us going and what we stand for every day. It is a responsibility that we bear individually and collectively, and that we are proud of.

And is reflected in concrete actions taken to:

Create a corporate culture that will enable Arkéa Banking Services to improve its environmental impact.
Set up a gender diversity group tasked with devising actions to be taken in this area.
Support our customers in their own CSR approach.

Gender equality in the workplace index

With a gender equality index of 99/100 for calendar year 2023, higher than required* and up relative to 2021, Arkea Banking Services continues to demonstrate its long-term commitment to promoting diversity and combating discrimination.

Score of 39/40 for the “gender pay gap” indicator
Score of 35/35 for the "gender gap in promotion rates" indicator
Score of 15/15 for the "post-maternity leave pay increases" indicator
Score of 10/10 for the "number of employees of the under-represented sex among the 10 highest paid employees" indicator

*The requirement set by the government is 75 out of 100, failing which companies have three years to comply.