Legal information

Welcome to the BNP Paribas 2014 Annual Report website published by BNP Paribas.

Legal representative: Jean-Laurent Bonnafé
Company name: BNP Paribas
Public limited company with a capital of: 2,491,915,350 Euros
Commercial register [RCS]: Paris n° 662 042 449
Orias N°: 07 022 735
E.C. identifier: FR76662042449
Registered office: 16, bd des Italiens - 75009 Paris
- Publication Director: M. Bertrand Cizeau, Brand Communications Quality Head Officer ;
- Contact: Carine Lauru, Head of Media Relations & Content Management
- Site manager: Carine Lauru, Head of Media Relations & Content Management

- Design:  Babel
- Developement:  Babel
- Hosted by: BNP Paribas

The publisher undertakes to comply with all laws on the establishment and the activity of a website.
BNP Paribas kindly requests that all users read the following terms and conditions carefully. By accessing, browsing or using the website, users acknowledge that they have read, understood, and consented to the terms and conditions.

BNP Paribas draws the attention of users of its website to the following points:
1 – Access to the website: The user of this website acknowledges that he/she has the skill and resources necessary to gain access to this website and use it.

Access to the http://annualreport.bnpparibas.com/2014/website is free of charge. The costs of accessing and using the telecommunications network are to be borne by the client in accordance with the terms and conditions set by the client’s access providers and telecommunications operators.
The publisher cannot be held liable for matters outside its control or for any damage that may be caused by the user's technical environment, in particular computers, software programs, network equipment and any other devices used to gain access to or use the service and/or the information.
Users are reminded that it is an offence punishable under criminal law to fraudulently access or remain connected to an IT system, to impair or interfere with the functioning of such a system or to fraudulently enter or alter information in an IT system.
2 – Intellectual property: BNP Paribas owns or holds the rights to all components that constitute this website, particularly the data, designs, graphics, photographs and soundtracks.

It is prohibited to reproduce, represent, distribute or re-distribute the content of this website by any means whatsoever, whether in whole or in part, without the prior express authorisation of BNP Paribas. Such action would constitute a contravention of the rules governing the French Intellectual Property Code.

The trademarks of the publisher of the website http://annualreport.bnpparibas.com/2014/ and its partners, and the logos included in the website, are registered trademarks.

As an exception, some content (texts, images, etc.) belong to their respective authors and BNP Paribas uses them with the authorisation of the owners of the rights to that content.

3 – Content of the website: BBNP Paribas endeavours to ensure the accuracy, updating and exhaustiveness of the information disseminated on this website and reserves the right to change the content or presentation of this website at any time and without notice. Furthermore, BNP Paribas declines any liability in the event of any delay, error or omission as regards the content of these web pages, nor in the event of any interruption to the service or if the service ceases to be available..

The information given on the website may be partial and incomplete because of the necessarily simplified nature of the texts, which do not have contractual value. BNP Paribas declines any direct or indirect liability concerning the accuracy, absence of errors, updated nature and availability of the information contained in the website.
BNP Paribas cannot be held liable for any decision made on the basis of information contained in the website or for the use that third parties might make of it.

Anyone who wishes to use one or more of the services and/or one or more of the products presented on the website is invited to contact his or her BNP Paribas branch to ascertain the contractual conditions and tariffs applicable to those products and/or services.

Certain people or certain countries may be allowed only restricted access to the products and services presented on the website.

None of the products and/or services will be supplied by BNP Paribas to a person if the law of his/her country of origin or of any other country that might concern that person prohibits them.

However, it remains the responsibility of any interested party to check beforehand with his or her usual advisers that his or her legal and fiscal status allows him or her to subscribe to the products and/or services presented on the website.

4 – Technical information: Users are reminded that there is no guarantee messages transmitted on the Internet will remain confidential and that the responsibility lies with the individual to take all appropriate measures to protect his or her own data and/or software programs against contamination by possible viruses circulating on the Internet.

BNP Paribas cannot be held liable for matters outside its control and for any damage that may be caused by the user's technical environment, in particular computers, software programs, network equipment and any other devices used to gain access to the website or to use it and/or the information it contains.

5 – Hypertext links: Hypertext links to other sites from http://annualreport.bnpparibas.com/2014/ cannot in any circumstances incur the liability of BNP Paribas.

BNP Paribas declines any liability concerning the content and possible losses incurred when visiting websites to which the website leads via hypertext links. The user visits other sites on his or her own responsibility and at his or her own risk.

6 - Cookies: Users are informed that when they visit the website a cookie may install itself automatically and retained temporarily in the user’s memory or hard disk. A cookie is a component which does not enable the user to be identified but which is used to record information about the user's navigation on the website.

Users of the website acknowledge that they have been informed of this practice and authorise BNP Paribas to use it. Users may de-activate this cookie by using the settings contained in their navigation software program.

7 – PDF files: To read a PDF file, users will need to download the latest version of the Acrobat Reader software program. N.B.: this software can only be downloaded from a website other than that of BNP Paribas. This website will ask you to complete a named questionnaire. If you do not want to give your name and address, proceed directly to stage Nº 2 to download the software program free of charge.

8 – Personal information: All personal data that you communicate to us via the forms available on this site, or when submitting a job application on line, is processed by BNP Paribas, as data handler, for internal management purposes and in order to respond to your question(s).

For a variety of operational reasons, this data may be transferred to another country within the European Union or to a country outside the European Union. It may also be communicated to the service providers or sub-contractors responsible for carrying out certain practical and technical tasks on behalf of BNP Paribas. With regard to the sending of data to a country outside the European Union, regulations have been put in place to ensure the protection and security of this data. Details of these regulations and information relating to the transfer of data can either be obtained by consulting the Bank’s website (http://www.bnpparibas.net) or by sending a written request to the following address: BNP Paribas APAC TDC Val de Marne, TSA 30233, 94729 FONTENAY SOUS BOIS Cedex.

This personal data may be communicated, upon their request, to official bodies and to administrative and legal authorities.

According to the provisions stipulated by French Law No. 78-17 of 6 January 1978 as amended (called “Loi Informatique et Libertés”), relating to Data Processing, Data Files and Individual Liberties, users have the right to access, modify, correct or delete this personal data by writing to BNP Paribas APAC TDC Val de Marne, TSA 30233, 94729 FONTENAY SOUS BOIS Cedex.

9 – Law applicable: The content of the http://annualreport.bnpparibas.com/2014/ website is subject to the law applicable in France.
All users acknowledge the competence of the courts of France for everything regarding the content and use of the website or disputes arising therefrom.

Cookies Policy

BNP Paribas is committed to delivering the best possible service to you and we wish to maintain the confidence that you place in us. We would like to provide you with clear information about how we use cookies and other similar technology on our websites. The word “computers”, when used in this policy, refers to computers, smartphones, tablets and all other devices used for accessing the internet.
What is a cookie? Cookies are small text files that are placed and stored on your computer when you visit a website. Cookies are very useful because they enable a user to be recognised. Cookies undertake a number of useful tasks, including improving security of a website and general user experience.
Cookies are either: i) session specific, which means that they are deleted from your computer once the session and browser are closed; or (ii) permanent, meaning that they will remain resident on your computer until they are removed. What cookies do our websites use? Our websites use both session and permanent cookies. This website uses any of the following groups of cookies:

Process – Process cookies help make a website function and deliver the services that the website visitor expects to receive, such as navigation, access to secure areas etc. These cookies are necessary and without them the website will not function properly.

Preference – Preference cookies allow a website to remember a user’s preferences in relation to the website such as language, font size, currency, region etc. These cookies are not vital but enhance a user’s experience.

Security – Security cookies are used to authenticate users, prevent fraudulent use of login credentials, protect user data from unauthorised parties etc. These cookies are vital to several of BNP Paribas’ secure websites.

Advertising – Advertising cookies enable adverts presented on a website to be targeted to a specific user. These cookies will collect certain information on the user, such as: type of websites visited; choices made on websites etc. which is then in turn used to determine what adverts should be presented. The Corporate and Institutional Banking pole of BNP Paribas does not generally use this type of cookie.

Performance – Performance cookies collect information about how the user interacts with a website. This may include the pages a user visits most often, the activity of the user on the website and how often the user returns. This information is normally used in an anonymised way and the data collected is used to help improve the site and browsing experience.

Please note: Some advertisements appearing on our website may be placed there by partners of BNP Paribas. These advertisements may deploy separate cookies onto your computer and the third party will control these cookies. BNP Paribas will not have any control of these cookies and is not responsible for these cookies or the data they collect. You should familiarise yourself with the cookies and privacy policy of the third party advertisers. BNP Paribas will never pass on any personal data belonging to you, such as your name, postal address, email address etc. to third party partners where the partnership is limited to placing advertisements on our webpages.

Your choice with respect to cookies As a default, most browsers are set to accept cookies. However, if you do not wish to consent to cookies being stored on your computer, you are able to block all or certain cookies by changing your browser settings. If you decide to block cookies you may find that you experience interruption or delays to your browsing experience and cannot use or access certain areas of a website.

For details on what your browser offers and how to configure your browser according to your choices, please go to the “Help” menu or other dedicated section of your internet browser.

Please note: blocking the installation of cookies on your computer will not remove all advertisements from websites you visit. Your refusal to accept these cookies will only prevent the customisation of such advertisements to your areas of interest as deducted from your browsing behaviour.

More information: More information about cookies generally and how cookies can be controlled can be found at http://youronlinechoices.com/

Please note: If your computer is used by more than one person or has multiple internet browsers, it is possible that some of your choices relating to cookies may not be permanent. This is because either: i) you are using a different browser; or ii) a third party has changed the settings of your browser. We are unable to control these factors and therefore cannot guarantee the permanence of the choices you make. What monitoring technology do we use on our websites? Occasionally, we use monitoring technology to track and monitor your activities on our websites. This technology works in a similar way to Advertising Cookies but does not store anything on your computer and does not monitor your activities on any other websites.

We may use monitoring technology to collect and store information about how you access and use our websites, for example: when and for how long you accessed our website and what pages you browsed. Some of the information we collect is anonymous, statistical data, and some is information about your activities as an individual user. We monitor and track your activities in this way for a variety of purposes, including for compliance with our regulatory and legal obligations and to provide better services to you. The information we collect may be used for marketing purposes.

Your choice with respect to marketing You may withdraw your consent to the use of your personal data for marketing purposes by submitting a request to BNP Paribas, using the contact details set out in our Privacy Policy accessible at: http://www.bnpparibas.co.uk/en/legal-privacy/privacy-policy/.