Legal inclusions

Web site editor, responsible for publication

Company name
Dexia Crédit Local

Legal form and share capital
Limited company with capital of EUR 279,213,332
Registered office
1 Passerelle des Reflets
Tour Dexia - La Défense 2
92913 La Défense Cedex
Tel: 01 58 58 77 77

Nanterre Trade and Companies Register No: 351 804 042
Intra-Community VAT No: FR 49 351 804 042
APE code: 6492 Z

Legal representative
Mr Wouter Devriendt, CEO
Mrs Véronique Hugues, CFO & Director of Communications
 

Technical production
Communication Department, IT Systems Department of Dexia Crédit Local, IS4F Belgium

Contact
assistance.internet@dexia.com

 
This site is hosted by

IS4F Innovative Solutions For Finance
Branch office in Belgium: Dexia Tower, 11 Place Rogier, B-1210 Brussels

Site access

The user of this web site www.dexia-creditlocal.fr declares that they have the knowledge and means necessary to access and to use this web site.

Site content

Dexia Crédit Local provides users of this web site with information and tools which are available and verified, but it cannot be held liable for errors, the non-availability of certain information or any loss or damage suffered by your technical environment associated with the use of this service. Moreover, it cannot guarantee its completeness or the absence of alteration by third parties (intrusion, virus).  

We ask users to inform us of any omissions, errors or corrections, by sending an electronic message to the webmaster (assistance.internet@dexia.com). Our aim is to disseminate accurate and updated information. 

 
The information on the present site:
  • is exclusively of a general nature and does not relate to the specific situation of any natural person or legal entity;
  • is not necessarily complete, exhaustive, accurate or updated;
  • sometimes originates from external sites over which Dexia Crédit Local has no control and for which it denies all liability;
  • does not constitute a contractual agreement or a professional or legal opinion on the part of Dexia Crédit Local.
  •  

    Our intention is to limit the inconvenience caused by technical errors as much as possible. However, some data or information on our web site may not have been created or structured in files or formats free of errors, and we cannot guarantee that our service will not be interrupted or otherwise affected by such problems. Dexia Crédit Local denies all liability with regard to any inconvenience which may result from the use of this web site or any other external web site to which it refers.
     

    Information concerning financial instruments 

    All information relating to one or more financial instruments is provided as such, on an indicative basis, even if it has been established from genuine sources deemed to be reliable.

    In application of Article L561-45 of the Monetary and Financial Code, the right of access to processing is provided for the sole purpose of implementing provisions relating to combating money laundering and the financing of terrorism is performed directly with the CNIL via a procedure of indirect right of access, with the exception of processing for the purpose of identifying persons subject to an asset freezing measure or a financial penalty, such processing being subject to the direct access procedure referred to in the above paragraph. It cannot, moreover, constitute an offer by Dexia Credit Local to buy, sell, subscribe or provide financial services, or a solicitation of an offer to buy or sell securities or any other investment product.

    Dexia Crédit Local denies all liability as to the use which may be made of this information and the consequences which might arise therefrom, in particular in relation to decisions which might be taken or actions which might be performed using that information. In this regard, the user shall remain exclusively liable for the use of information and results obtained from that information. It shall be incumbent upon the user moreover to check the integrity of information received via the Internet.

    The user of the web site www.dexia-creditlocal.fr acknowledges that use and interpretation of the information requires specific and in-depth knowledge of the financial markets.

    It is stipulated that the past performances of a financial instrument do not in any way give an indication as to the future performances of that instrument.
     

    Data Protection

    The General Data Protection Regulation (GDPR) entered into force on 25 May 2018. It increases the security and confidentiality of the data of persons in EU countries and imposes new obligations on all organisations which process personal data of EU citizens.
    Data protection is vital, and Dexia respects all national and European provisions in relation to the protection of personal data.
    Dexia is required to collect your personal data (hereinafter called “Data”) as a data controller and, to that end, Dexia ensures the utmost transparency with regard to the processing and use of your Data, the period of its retention and the rights you have in that regard.
     

    Collection and use of personal data

    Your Data is collected directly from you. In certain specific cases, data is collected from sources accessible to the public, such as the web sites/pages of professional social networks. Dexia undertakes to ensure that the data collected and processed is limited to what is strictly necessary.
    Dexia collects different categories of personal data, in particular:
  • identification data (e.g. name, IP address);
  • contact details (e.g. postal and email address, telephone number).
  •  
    We never process Data relating to your racial or ethnic origins, your political opinions, your religion, your philosophical convictions or union membership, your genetic data or your sex life or sexual orientation.
     
    Your Data is principally processed:
    a. to fulfil our legal and regulatory obligations;
    b. to execute a contract or to answer to your questions;
    c. to serve our legitimate interests;
    d. for recruitment purposes*.
     
    The recipients of your Data are exclusively Dexia staff members (or if necessary those of processors). Such processing may involve the communication or exchange of data among certain entities of Dexia Group, as well as our processors. This may involve processing outside the European Union (United States, India).
     
    * If you apply for a job, then additional personal data may be collected:
     
  • identification data (e.g. name, identity card and passport number, nationality, place and date of birth, photograph, IP address);
  • contact details (e.g. postal and email address, telephone number);
  • family situation (e.g. civil status, number of children); 
  • tax details (e.g. country of residence); 
  • information relating to your education and previous employment (e.g. level of studies, job, name of employer).
  •  

    Non-communication of personal data for commercial purposes

    Your personal data will not be disclosed to commercial or advertising companies.
    When your personal data is processed by processors (service providers), Dexia will ensure that such processors will respect the same requirements as those described in this policy.
     

    Period of data retention

    The collected data is only retained for the period necessary for completing the formalities described above, within prescription limits, and in observance of the legislative and regulatory provisions in force.
     

    Your rights

    In accordance with the GDPR, you may:
     
  • access all of your Data,
  • correct or update your Data,
  • request the deletion of your Data or object to the manner in which it is processed on legitimate grounds,
  • request the portability of your Data, for processing relying on your consent or on the execution of a contract,
  • request a limitation of the processing of your Data, when the accuracy of such Data is contested, or if you consider that such processing is unlawful,
  • withdraw your consent at any time (only for processing relying on your consent),
  • lodge a complaint directly with a supervisory authority, namely that of the European Union country in which you reside, your place of work or the place where the alleged breach of the regulation is claimed to have occurred (in France, the CNIL: www.cnil.fr and in Belgium, the APD: https://www.autoriteprotectiondonnees.be/ ).
  •  

    Contact us

    In order to exercise your rights, or if you have questions, you may contact us, indicating your name, forename and contact details, and providing a copy of your identity document, to the following address:
     
  • by email: compliance@dexia.com or
  • in writing to
  • Dexia Crédit Local - Compliance Department

    1 Passerelle des Reflets, CBX Tower, La Défense 2,

    92913 La Défense Cedex, France

       

    Security

    Dexia implements all technical and organisational measures to ensure the security of the processing of personal data and its confidentiality.
    In this regard, Dexia takes all the necessary precautions, considering the nature of the data and the risks presented by its processing, to preserve the security of the data and, in particular, to prevent it from being distorted, damaged, or accessed by unauthorised third parties (physical protection of premises, authentication processes with personal and secured access via confidential identifiers and passwords, logging of connections, encryption of certain data and so on).
     

    Property

    The general structure, as well as the software, texts, animated or fixed images, sounds, know-how, drawings, graphs and all other elements comprising this web site are for the exclusive use of www.dexia-creditlocal.fr  

    Any total or partial representation of this site, by whatsoever process that may be, without the express authorisation of Dexia Crédit Local, shall be forbidden and may constitute an offence punishable under Articles L335-2 and following of the Intellectual Property Code.

    The hypertext links put in place within the framework of the present web site directing users to other resources present on the Internet, cannot result in the liability of Dexia Crédit Local.

    The users of and visitors to the web site may not insert a hyperlink from this site without the express prior authorisation of Dexia Crédit Local. In order to obtain this, please send an electronic message to this address: assistance.internet@dexia.com.

    Security and browsing comfort  

    This site provides secure user access using the SharePoint technology.

    For your security please leave the browser, or disconnect if you are authenticated by your login and password, at the end of you visit to the site, or if you might no longer be in control of the computer.

    This web site uses cookies in order temporarily to store technical information generated by your visit to the web site. Their acceptance is recommended, as the smoothness of the service provided may otherwise be adversely affected. The use of cookies is strictly limited to the technical dialogue between your computer and the web site. They are only used for the current session and are of no use once your session has terminated. You have the option to delete them using the ad hoc functions of your browser.
     

    Applicable Law 

    The use of this web site is governed by French Law.