This legal notice sets out the rules on operating and using the HSBC Group’s website www.epargne-salariale-retraite.hsbc.fr (hereinafter the "site"). This is a commercial website aimed at providing companies and individuals with general information on company employee savings and retirement. The site's content is provided by HSBC Global Asset Management (France), HSBC Epargne Entreprise (France) and HSBC France.
HSBC Epargne Entreprise (France), a public limited company (société anonyme) with share capital of €16,000,000
Registered office: 15 rue Vernet - 75008 Paris – SIREN number: 672 049 525 PARIS Trade and Companies Register
E-mail/telephone: see section "Contact us" of the site
Individual identification number (VAT): FR95672049525
HSBC Epargne Entreprise (France) is approved by the ACPR (French Prudential Supervisory and Resolution Authority), 61 rue Taitbout 75436 Paris Cedex 09, as an investment company and custodian bank for employee savings.
HSBC Global Asset Management (France), a public limited company (société anonyme) with share capital of €8,050,320
Registered office: Immeuble Coeur Défense - 110 esplanade du Général de Gaulle - La Défense 4 - SIREN number: 421 345 489 Nanterre Trade and Companies Register
E-mail/telephone: firstname.lastname@example.org / 01 57 66 62 79
Individual identification number (VAT): FR88421345489
HSBC Global Asset Management (France) is approved by the AMF (French Financial Markets Authority), 17 place de la Bourse, 75082 Paris Cedex 02, as a portfolio management company governed by French law, under number GP99026
HSBC Epargne Entreprise (France) and HSBC Global Asset Management (France) are members of the "Association Française de la Gestion Financière" (French Asset Management Association).
Certain products featured on the site are distributed by:
HSBC France, a public limited company (société anonyme) with share capital of €337,189,135
Registered office: 103, avenue des Champs-Elysées - 75008 PARIS - SIREN number: 775 670 284 PARIS Trade and Companies Register
E-mail contact: email@example.com
Individual identification number (VAT): FR 70775670284
As an insurance broker registered with ORIAS (French Registry of Insurance Intermediaries - www.orias.fr) under No. 07 005 894.
This site is hosted by: HSBC Global Asset Management (France)
Heads of Publication: Matteo Pardi, Chief Executive Officer HSBC Global Asset Management (France); Julien Barbat, Chief Executive Officer HSBC Epargne Entreprise (France)
Editor: Annie Divet
Terms and conditions of use
Access to the site
Browsing on the site is subject to current regulations and to the terms and conditions of use hereof. Given that the latter are regularly updated, without prior notice, please check this page on every visit to the site.
Access to the products and services described on this site may be subject to restrictions with regard to certain persons or certain countries, primarily due to legal constraints.
Access to the site is free of charge. You are responsible for paying the fees to access and use the telecommunications network according to the terms and conditions set by your Internet service providers and telecommunications operators.
We reserve the right to interrupt the service at any time, for whatever reason and without providing any justification, and we may not be held liable for the consequences of these interruptions.
Content of the site - Liability
The following clauses exclude or limit our liability. Therefore, you should read them carefully.
Information on this site is provided for indicative purposes only. HSBC Epargne Entreprise (France) and the other entities contributing to this site endeavour to ensure as best as possible, the accuracy and updating of the information disseminated on the site, for which it reserves the right to correct the content at any time and without notice. Documents made available in electronic form, on this site, may be updated as of downloading and of reading. Therefore, please check they are still valid.
However, HSBC Epargne Entreprise (France) cannot ensure the accuracy, precision or completeness of the information made available on this site, including all the hypertext links or any other computer link used directly or indirectly from the site. Therefore, we inform the visitor that they are responsible for verifying the information through other means, including by contacting the company.
All the general economic, stock market or financial information is provided for indicative purposes only. Although it has been established using reputable sources, considered to be reliable, we cannot ensure its accuracy.
HSBC Epargne Entreprise (France) or any other entity contributing to this site may not be held liable for:
- any imprecision, inaccuracy, omission or modification regarding information available on the site, particularly in the event of changes in legal, regulatory, administrative and judicial provisions.
- any damage arising from fraudulent intrusion by a third party resulting in a modification of information made available on the site and more generally for any damage, direct or indirect, whatever the causes, origins, nature or consequences, caused by somebody accessing the site or the impossibility of accessing it, as well as the use of the site and/or credit granted to any information originating directly or indirectly from the latter.
No information, oral and/or written and/or video or any other medium, obtained during the use of this site is likely to generate guarantees and liabilities not expressly provided for.
You are reminded that the privacy of data exchanged over the Internet is not guaranteed and you are fully responsible for the preservation of data and/or equipment, and for adequately protecting your system against potential viruses. It is stipulated that the publisher and its contributors cannot be held liable for any factors beyond their control or for any damage that may be incurred by your technical environment, particularly your computer or any equipment used to access the site.
We cannot guarantee the efficiency, functionality or performance of any software that may be used to access the site.
You undertake to use the information contained on this site for personal and non-commercial purposes. You alone are responsible for the use of this information. We may not be held liable for investment decisions taken solely on the information provided here.
Disclaimer for products and services featured on the site
The information or opinions contained on the Services have not been provided taking into account the investment objectives, financial situation and requirements of a particular investor and therefore may not be appropriate to the investor. They are not legally binding and do not constitute investment advice or a solicitation to buy or sell.
Users are responsible, at their own discretion, for choosing their investments and the resulting transactions in accordance with employee savings regulations and the specific provisions of employee savings plans.
Any person wishing to procure one of the services or products should contact their company (if you are a plan member) or their HSBC correspondent (if you are a company or a professional) in order to obtain information on the contractual regulatory conditions and the applicable tariffs.
The simulations have no contractual value and do not commit us in any way as they do not constitute a firm offer to enter into a purchase or sale.
The simulators have been communicated to us by sources that we consider to be reliable, but we cannot ensure their accuracy. They are provided for indicative purposes only, without any express or tacit guarantee and are no substitute for marketing information and the advice of professionals on the subject.
We may not be held liable for any decision taken based on a simulation carried out on the site, or the use that you may make thereof.
The information that you provide for these simulations is not retained.
Intellectual property - Copyright
This entire site, in particular the images, texts, logos, iconographic and photographic representations and the documents that can be downloaded from the site, constitutes the exclusive property of the authors which is protected by French and international laws in force in the area of intellectual property.
Hence, any reproduction or representation, whether wholly or partly, of this site and the mobile site on any medium whatsoever is strictly prohibited without the prior, written agreement of the Head of Publication. You can print, copy, download and provisionally store extracts of this site and its content for your personal information only.
You may not alter the content of this site or the mobile site or distribute it to any person. Any other use is prohibited without our written authorisation. In particular, it is prohibited to use, whether wholly or partly, this site on another site.
Violation of one of these intellectual property rights is a counterfeiting offence that may incur the civil and criminal liability of the counterfeiter in accordance with the provisions of the Intellectual Property Code.
Investment - Performance
You are reminded that any investment in an employee mutual fund (FCPE) must be made after reading about the associated risks in the Key Investor Information Document (KIID) and the rules.
It is important to note that the value of investments made by a unitholder can fluctuate and that a unitholder may not get back the amount originally invested. Any income related to an investment vehicle featured on this site can go up or down. Exchange rates can cause investments to rise or fall.
Past performance relating to the value of units and distributed income is not a reliable indicator of future results.
Information transmitted by Internet users
Data privacy and integrity
Outside the site’s secure environments, data privacy and integrity are not guaranteed on the Internet. As a result:
- the messages that you send to us via the Internet may be intercepted and/or modified (in terms of both content and source). Please be aware that electronic messages sent to the webmaster are not encrypted. Given that personal information is not protected on the network, we advise you to use postal resources to transmit such information.
- messages sent via the Internet cannot be guaranteed since they are subject to possible interception or loss or possible alteration. We cannot be held liable for any damage occurring following an Internet message received or sent by the HSBC Group.
All personal data are collected, processed and retained in accordance with the Privacy Notice which may be consulted at the following address: https://www.epargne-salariale-retraite.hsbc.fr/epargnants/charte-de-protection-des-donnees
Information regarding "cookies"
The use of certain services may require the installation of cookies on your equipment. Cookies do not allow us to identify you. However, they do record information on your browsing habits on the websites or app (pages viewed, date and time of access, etc.), which we can read when you visit later. You can object to certain cookies being saved on your computer by configuring your browser.
For more information on cookies, consult the site www.epargne-salariale-retraite.hsbc.fr (cookies management section).
Third party sites – Hypertext links
Links to software downloading websites can be used for convenience and we may not be held liable for any difficulties or consequences related to the downloading of this software. The use of downloaded software is governed by property and licence agreements.
HSBC Epargne Entreprise (France) and the other entities contributing to this site have no control or responsibility with regard to the creation, in particular unknown to them, of links to external websites and to the content of such websites. Hence, you agree that access to other websites, via a hypertext link, is undertaken entirely at your own risk.
Thus, HSBC Epargne Entreprise (France) or any other entity contributing to this site may not be held liable for any direct or indirect prejudice arising from access by you to another website via a hypertext link.
The creation of a link to this site, in any form whatsoever and involving part or whole of the information on the site, is subject to the prior, written authorisation of HSBC Global Asset Management (France).
The rules on operating and using this site are governed and interpreted in accordance with French law. Any dispute arising from this agreement shall be settled by the French courts.
Any disputes shall fall within the exclusive jurisdiction of the competent courts under the jurisdiction of the Paris Court of Appeal.