LEGAL NOTICE

You are currently connected to the www.bnpparibas-pf.com/en/ website which is published by BNP Paribas Personal Finance (hereinafter the “Website”).

Company name: BNP Paribas Personal Finance
Limited company (Société Anonyme) with capital of €529 548 810
Registered office: 1 Boulevard Haussmann, 75009 Paris, France
Paris Trade and Companies Register no. 542 097 902
Insurance intermediary registered under number 07 023 128 (www.orias.fr)
Telephone no.: +33 (0)1 46 39 99 39

Publication Director: Laurent David, Chief Executive Officer

BNP Paribas Personal Finance is a French financial institution and personal credit provider authorised to exercise its activities as a bank and supervised by the Autorité de Contrôle Prudentiel (ACP – 61, rue Taitbout – 75436 Paris Cedex 09) and checked by the same authority.

BNP Paribas Personal Finance exercises its activities in accordance with article L.311-1 and subsequent articles of the Monetary and Financial Code, in accordance with article L511.1 and subsequent articles of that same Code and in compliance with all applicable regulation.

BNP Paribas Personal Finance is a member of the Association Française des Sociétés Financières and the Fédération Bancaire Française.

Website designed and crafted by Cosmic Communication : www.agencecosmic.com

This website is hosted by CLARANET
Simplified joint-stock company (SAS) with capital of €1 400 000
Trade and Companies Register Paris no. B 419 632 286
Registered office: 18-20, rue du Faubourg du temple, 75011 Paris
services-management@fr.clara.net

Presentation and content of the Website

The purpose of the Website is to provide an institutional presentation of BNP Paribas Personal Finance Group, including in particular its activities, mainly under the Cetelem trademark.

The information on the Website is provided solely for information purposes and has no contractual force. Said information may be partial and incomplete due to the required simplified nature of the texts. The content on general matters (economic, financial, etc.) is only indicative.

BNP Paribas Personal Finance will endeavour to make sure that the information provided on the Website is correct, up-to-date and exhaustive and reserves the right to amend the content or presentation of the Website at any time and without notice. The user is solely responsible for his/her use of this information on general matters.

The purpose of the Website is not to solicit the taking out of or sale of products. Nevertheless, hypertext links may direct users to commercial websites of companies in BNP Paribas Personal Finance Group, when they are interested by the products and services offered by these companies.

Access conditions

Access to the Website is free. The user will bear the costs to access and use the telecommunications network in accordance with the terms and conditions laid down by his/her internet access providers and telecommunications operators.

BNP Paribas Personal Finance will only warrant that the Website functions without interruption or error and will not be held liable for any elements beyond its control and any damage which may be sustained by the user’s technical environment, including in particular, his/her computers, software, network equipment and any other equipment used to access the Website and/or use the information contained on said Website.

Moreover, it will not incur liability for events due to force majeure, faults and technical problems relating to the hardware, and for programmes and software or the internet network which may result from the suspension or stoppage of the service.

It is highlighted that the confidentiality of correspondence is not guaranteed on the internet network and the user is responsible for taking all appropriate measures to protect his/her own data and/or software from contamination by any viruses circulating on the internet.

Personal data

BNP Paribas Personal Finance and the companies of its group are eager to protect your personal data and undertake to comply with the regulations governing the protection of personal data. Your personal data is only disclosed to duly authorized persons.

We hereby inform you that cookies may be used during your visits to the website. Our cookies policy, which is available on our website, sets out the rules applying to cookies.

When you answer a job offer, BNP Paribas Personal Finance and the companies of its group will process the personal data you disclose to us in the strictest confidence for the purpose of managing your application. This data is essential for processing your application and it is liable to be disclosed to entities of the BNP Paribas Group during the first two years it is stored, so that they can contact you if your profile matches a vacant position. Within this framework, your personal data is stored in our central database, situated in the Netherlands and the United Kingdom, and it can be accessed by all entities of the BNP Paribas Group, some of which are outside the European Union, notably in the following countries: South Africa, Algeria, Angola, Saudi Arabia, Argentina, Australia, Bahamas, Bahrain, Brazil, Burkina Faso, Canada, Chile, China, Colombia, Comoros, South Korea, Costa Rica, Ivory Coast, Cuba, Egypt, United Arab Emirates, United States of America, Gabon, Guinea, India, Indonesia, Iran, Israel, Japan, Kuwait, Lebanon, Libya, Madagascar, Malaysia, Mali, Morocco, Mauritania, Mexico, Monaco, Norway, New Zealand, Panama, Peru, Philippines, Qatar, Russia, Senegal, Singapore, Switzerland, Thailand, Tunisia, Turkey, Ukraine, Uruguay, Vietnam, Vatican, Serbia, Taiwan, Cayman Islands, Hong Kong, Macau. These data transfers have been authorized by CNIL (the French data protection authority) (Decision DF-2017-758). The European Commission has recognized the protection of personal data offered by the following countries as being equivalent to that offered by European Union Member States: Argentina (Decision 2003/490/EC), Canada (Decision 2002/2/EC), Switzerland (Decision 2000/518/EC), Israel (Decision 2011/61/EU), New Zealand (Decision 2013/65/EU) and Uruguay (Decision 2012/484/EU). For the following three years, the personal data disclosed can no longer be accessed by the teams in charge of recruitment, but it will be kept to meet the requirements of the law no. 2008-496 dated 27 May 2008 enacting various adaptive provisions to Community law on anti-discrimination.

Furthermore, we hereby inform you that the provider in charge of support for our tools uses support centres situated in the European Union. However, this provider may occasionally have to call upon teams who based in Argentina, Australia, Brazil, Canada, Chile, China, Costa Rica, United Arab Emirates, United States of America, India, Japan, Malaysia, Mexico, Peru, Singapore, Venezuela. Their involvement is liable to give rise to data transfers, which have been authorized by CNIL (Decision DF-2017-759). The European Commission has recognized the protection of personal data offered by Argentina (Decision 2003/490/EC) and Canada (Decision 2002/2/EC) as being equivalent to that offered by European Union Member States. You may exercise your rights to access, modify, rectify and object, directly with BNP Paribas, at any time, as provided for by the amended law no. 78-17 dated 6 January 1978 concerning data protection. You may also exercise your right to cancel or organize the posthumous management of this data by sending a letter to: BNP Paribas – Group Human Resources – Recruitment, 24 rue des Jeûneurs – 75002 Paris.

As part of its recruitment policy, BNP Paribas Personal Finance and the companies of its group are liable to use data processing as a recruitment aid. The personal data you have disclosed to us is essential for this processing and it will be kept for 5 years to meet the requirements of the law no. 2008-496 dated 27 May 2008 enacting various adaptive provisions to Community law on anti-discrimination.

BNP Paribas Personal Finance and the companies of its group may also suggest that you complete a stage in its recruitment procedure by means of a video interview platform. This short-listing method helps us simplify the management of applications. You are nonetheless free to prefer an alternative method. You will be offered this option when you submit your application. You may also exercise this option by writing to the address given below. Please note that your refusal to do this video interview has no effect on the final outcome of the recruitment procedure. The data concerning the video interview will be kept for no more than six months. The use of this video interview platform involves the transfer, outside the European Union, of your full name and e-mail address to manage the sendout of e-mails inviting applicants to log on to the Sonru platform. The service provider in charge of sending out these e-mails has servers hosted in the United States and Singapore. These data transfers have been authorized by CNIL (Decisions DF-2017-1249, DF-2017-1250, DF-2017-1251 and DF-2017-1252).

You may exercise your rights to access, modify, rectify and object, directly with BNP Paribas Personal Finance, at any time, as provided for by the amended law no. 78-17 dated 6 January 1978 concerning data protection, by writing to: contact_données_RH@bnpparibas-pf.com. You may also exercise your right to cancel or organize the posthumous management of this data by writing to the same address.

Intellectual property

The Website and the content thereof are protected by intellectual property, including in particular by copyright, rights to drawings and designs, and trademark rights.

The general structure of the Website, texts, animated images or non-animated images and all elements comprising the Website are the property of BNP Paribas Personal Finance, with the exception of the company names, logos and trademarks of its partners and companies in its Group and certain elements (texts, images, etc.) which remain the property of their respective creators. All content is used by BNP Paribas Personal Finance with the right holder’s permission. BNP PF is the owner of the domain name.

Any and all exploitation, reproduction, distribution or redistribution, any and all use, whether in full or in part, of the creations, trademarks, logos and any other element comprising the Website, using any process or medium whatsoever, are prohibited and constitute infringement under intellectual property rules, in the absence of the prior express consent of the editor or the owners thereof.

Hypertext links

BNP Paribas Personal Finance will not incur liability for hypertext links created to other websites from the Website. The Website may contain hypertext links to other websites that are not the property of or have not been developed by BNP Paribas Personal Finance. The existence of a link on the Website to another website does not constitute approval of the content of said website. The user is consequently responsible for using this information with judgment and critical thinking.

BNP Paribas Personal Finance prohibits the creation of any hypertext link whatsoever to the content of the Website. BNP Paribas Personal Finance’s prior consent in writing is required to create any hypertext link to the Website.

Governing law

The content of the Website is governed by French law.
The user accepts the jurisdiction of the French courts for all matters relating to the content and use of the Website or recourse deriving therefrom.

Getty Images, Shutterstock, BNP PARIBAS Personal Finance.