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Legal information

Legal notice

You are connected to the www.sgbt.lu website, property of the Société Générale Bank & Trust in Luxembourg (hereinafter called “SGBT” or “the Bank”), a Société Anonyme incorporated under Luxembourg law and listed with the Luxembourg Registry of Trade and Companies under number B 6061, whose head office is located at 11, Avenue Emile Reuter L-2420 Luxembourg, Grand Duchy of Luxembourg. SGBT VAT number: LU10807024. General Telephone Number: (+352) 47 93 11 1.

Société Générale Bank & Trust (“SGBT”) is a credit institution accredited in Luxembourg, enrolled on the list of banking institutions drawn up by the Commission de Surveillance du Secteur Financier (“CSSF”), whose head office is located at 110, Route d’Arlon L-2991 Luxembourg.

Use of this website is governed by the following provisions and, for Private e-Banking, by the INTERNET SPECIFIC TERMS AND CONDITIONS in force. By consulting this website, you (“the Internet user”) acknowledge that you have understood and approved the important legal information which it contains. If you do not understand it or refuse to approve any of the provisions set forth herein, please exit said website.

Warning: the www.sgbt.lu website alone refers to our credit institution. The www.sgbt.net and www.sgbt.de websites, as well as other possible websites including the “SGBT” abbreviation, are in no way connected to our institution.

 
Applicable law and courts of competent jurisdiction


This website, as well as all relations and transactions which it enables one to carry out, are subject to Luxembourg law. Any disputes which may arise from this website are subject to the exclusive jurisdiction of the Court of First Instance (Tribunal d’Arrondissement) of and in Luxembourg, Grand Duchy of Luxembourg. A complaint can nonetheless be lodged with the Commission de Surveillance du Secteur Financier. All accesses to this website are deemed to take place directly at the head office of SGBT, at the date and time stated on its server, with the SGBT connection logbook taken as proof of this.

 
Access to the website / Responsibility of the Internet user to comply with legislation


This website (the public part) is an information site intended both for SGBT Customers and for persons who are not customers of this bank. It is intended for persons having attained the age of majority and who are legally capable.

Access to the private part of the website, called “Private e-Banking”, requires that the Internet user be a Customer of the Bank and that he has signed a copy of the INTERNET SPECIFIC TERMS AND CONDITIONS beforehand. Nonetheless, the products and services presented on the website (on both the public and private parts) are reserved for Customers who have an account with SGBT.

Inasmuch as this website can be consulted from anywhere in the world, it is the responsibility of persons who connect to this website to comply with the laws of the country where they reside and/or from the place where they consult the www.sgbt.lu website. These persons shall assume all direct or indirect consequences resulting from non-compliance with these legal and regulatory obligations. The dissemination of certain information is, in fact, prohibited or regulated by the laws of certain countries. It is subject to prior authorisation by the competent authorities in certain countries. Consequently, SGBT draws the attention of Internet users to the fact that this information is not intended for natural persons and legal entities, which, on account of their nationality, their address, their head office, their customary place of residence, or for other reasons, are subject to foreign legislation which prohibits or limits the dissemination of said information. For these reasons, this website is not, in particular, intended for “US PERSONS” within the meaning of the legislation of the United States of America applicable in civil, commercial or tax matters. Under no circumstances can SGBT be held responsible for the possible violation of these obligations.


Protection of personal data


No visitor to this website is required to transmit personal data concerning himself, unless he chooses to do so. By transmitting personal data by clicking on the “Send” button, the Internet user accepts the content of this policy for the protection of confidentiality and his personal data.

The processing of personal data relative to this website is subject to Luxembourg law. During visits of Internet users to the SGBT website, the server preserves only that information which the Internet user voluntarily supplied as well as his IP address.

On this website, SGBT uses cookies (a cookie is a small file sent by SGBT server which is recorded on the hard disk of the Internet user’s computer. It keeps a record of the websites visited and contains a certain amount of information relative to these visits). Cookies are used above all to make the website work (technical session cookies).

In accordance with the law, the Internet user has a right of access to information concerning him as well as a right to correct any personal data pertaining to him in accordance with the law of 2 August 2002 on the protection of persons as regards the processing of personal data (as modified). Upon request, the Internet user therefore has the possibility of becoming aware of the personal data pertaining to him and of correcting possible inaccuracies. If he wishes to exercise these rights, he should contact SGBT at the address given above.

If the Internet user feels that this website does not comply with this privacy policy, he can contact SGBT at the address stated above.

In addition, the information on this website must be considered as commercial information in the context of Luxembourg legislation applicable to E-commerce. Any person (other than a Candidate – cf. below) who has transmitted personal data to SGBT via the website on his own initiative indicates his prior agreement to receive commercial information from it.


Protection of personal data in the context of on-line Recruitment


In addition to the general rules relative to the protection of data stated above, access to and the operation of the part of the website dedicated to on-line recruitment implies the computerised processing of certain personal data of the Internet user who applies for a job on line (“the Candidate”). If the Candidate wishes for his/her profile to be taken into consideration by SGBT, it is absolutely essential that he/she indicates his/her agreement as regards the communication and processing of certain of his/her personal information, since this information is necessary for the proper operation of the recruiting process. The data which must absolutely be transmitted is clearly highlighted in the application form.

Any personal information that you send to SGBT via this website will only be used in connection with Societe Generale Bank & Trust's recruitment process. We will not use your personal information for any other purpose and the Societe Generale Group and its contractors will not hold it in their information systems beyond the time needed to complete the recruitment process. Societe Generale Group and its contractors will not hold any personal information for longer than two years.

SGBT informs the Candidates that their data transits via the website of a third-party company which has a contractual relation with Société Générale and that this data is hosted in French territory. Nonetheless, processing of this data is carried out only in Luxembourg territory by SGBT.

The transmission of personal data by the Internet user via the website implies that he/she agrees to be contacted by SGBT again by E-mail or by any other means of communication.

In accordance with the law, you can access and amend any personal information we hold about you free of charge, and you can refuse us permission to use this information. In order to exercise these rights, the Candidate can contact the Human Resources department of Société Générale Bank & Trust by mail at the following address: Société Générale Bank & Trust, Human Resources, 11 avenue Emile Reuter, L-2420 Luxembourg.


Information available on the website

 
Information presented on this website, of whatever kind (financial or other), is provided for information purposes only. Certain information is based on sources deemed reliable by SGBT. Nonetheless, SGBT cannot give any guarantee or undertaking of any kind whatsoever, express or tacit, as to the accuracy, up-to-date status, exhaustiveness or, more generally, the quality or reliability of this information. No member who is a senior executive, director or member of SGBT staff or of any other company for which the persons referred to above provide a service, makes any commitment or takes responsibility for any responsibility with regard to the information referred to above.

The financial information and product data-sheets which are available on this website must not be considered to be an offer or invitation to subscribe, purchase or sell these financial instruments, and are not intended to be distributed to, or used by, any person located in any country whatsoever in which said financial instruments are not authorised to be distributed or registered for this purpose, or in which publication of information about these instruments is prohibited.

This information has no value as advice with regard to legal, accounting or tax matters, and in no case does it constitute investment recommendations or decision-making help for your investments or other decisions or advice in any form whatsoever, and is valid only at the moment when it is given. It can be withdrawn or modified at any time without prior notice. It stems partly from third-party sources, which implies that SGBT has no control over its content. Consequently, SGBT cannot be held responsible vis-à-vis the Internet user with regard to any direct or indirect consequence related to use of this information, except in case of intentional misleading presentation or its gross negligence.


Hypertext links

 

The SGBT website may contain links to third-party websites which do not fall within the Bank’s control and which are solely the responsibility of holders of these web spaces. Certain links are proposed solely for the sake of convenience, and the inclusion of a link does not imply the Bank’s approval of the linked website. The Bank does not assume any responsibility for the content, services, products or materials proposed or data of any kind contained or distributed on a website linked to the Bank’s website or as regards the processing of personal data which may be carried out. No link may be established to this website without the Bank’s prior consent. In no case is the bank responsible for links made to its website.


Security and the Internet


The Internet user accesses this website through means of open communication networks. He declares that he is aware of the risks and accepts them. It is his responsibility to protect himself from the effects of computer piracy by adopting a data-processing configuration which is adapted and secure, particularly by means of a virus detection and inoculation software program which is updated on a regular basis.

E-mails sent via public networks may not be entirely secure and may be intercepted, read and modified by third parties. Besides the content of e-mails, the sender and recipient may be identified by third parties, who may infer that a real or alleged relationship exists between the sender and SGBT.

Consequently, SGBT may not be held responsible for any direct or indirect damage which the Internet user suffers during or after his navigation on this website, including the loss or modification of files and data stored on his computer or on any medium connected to or inserted in it.


The Bank draws the attention of the Internet user to the following security recommendations:


- Do not disclose your user code and/or password; do not write it down anywhere and change it frequently.


- Prefer the purchase of goods or services on secure " https" websites instead of standard " http" websites. The connection to secure websites is indicated by the presence at the bottom of the screen of a symbol representing a padlock. These indications constitute security guarantees for transactions through encryption of communications. Their presence is absolutely essential when the Internet user transmits his bank contact information in order, for example, to pay for his purchases on line.


- PHISHING : Never answer an E-mail – or click on a hyperlink which appears in an E-mail – requesting transmission of confidential information such as bank contact information, a card number or a secret code, even if the hyperlink appears to come from a trusted organisation. This type of message often belongs to a fraudulent mechanism called “phishing”.

Liability


SGBT may be led or forced to interrupt the service without prior notice, wholly or in part. As soon as circumstances allow, SGBT will provide information on service interruptions and will take all necessary steps to re-establish the connection as quickly as possible. However, in no case can SGBT be held responsible for these interruptions and/or delays in re-establishing the service, except in case of gross negligence committed by SGBT.

SGBT is not responsible for any direct or indirect damage or for any temporary or permanent incident caused to the data or data-processing hardware of the Internet user during his access to the website, when he is surfing its pages, or generally, during transmission of computer files and programs which comprise the website to his reception equipment. In particular, SGBT is not responsible for the possible transmission of viruses through its website. SGBT is not responsible for damage which may result from the unauthorised intrusion in his data-processing systems and/or from the fraudulent use of his means of distribution. It refuses all responsibility, particularly in case of misappropriation of data subsequent to an intrusion in its data-processing systems. However, SGBT implements the necessary means in order to prevent unlawful intrusions.


Use of information - intellectual property rights


The “www.sgbt.lu” website is copyrighted as regards intellectual property. In general, the structure and formatting, as well as all items contained in this website, are protected on behalf of SGBT and/or its possible suppliers or partners, particularly by laws on (i) copyright and neighbouring rights, (ii) the protection of computer programs, and (iii) databases. The property rights of SGBT and of its suppliers must be complied with, and the Internet user undertakes not to infringe on them. The Internet user shall not be entitled to acquire any property rights in terms of software, programs, information, applications or instructions made available to him by SGBT, which grants him only a right to use the aforesaid items. The Internet user undertakes to comply with the user rules defined by SGBT. Other names of products or companies referred to on this website may constitute the trademarks of their respective proprietors. The Internet user is not authorised to modify, copy, distribute, transmit, disseminate, represent, reproduce, publish, licence, transfer or sell any information, software, product or service obtained via this website, or to create works derived from the aforementioned items, without the prior written agreement of SGBT.
Information supplied by third parties falls within the exclusive intellectual property of these third-party content suppliers.

 
Website design and creation


This website was created by the Société Générale Bank & Trust Luxembourg and Les Quatre Lunes Digitales.  

 

This website is hosted by WayCom

 

 
This website is published by Societe Generale:

Société Anonyme with a capital stock of EUR 1 009 641 917,50 as of 31 December 2016.

Paris Trade Register No. 552 120 222
APE No.: 651C
Registered Office: 29 Boulevard Haussmann 75009 Paris
VAT No : FR 27 552 120 222
Legal Representative: Mr Frédéric OUDÉA, Chairman and Chief Executive Officer
Publication Manager: Mrs Caroline GUILLAUMIN
Contact: +33 (0)1 42 14 20 00

This website is hosted by Societe Generale
This website is governed by French law.

TERMS AND CONDITIONS

Professional regulations
Société Générale is a French credit institution (bank) authorized by the Autorité de Contrôle Prudentiel et de Résolution (or Prudential Control Authority per its translation to the English language) (ACPR, 61, rue Taitbout 75 436 Paris Cedex 09) and controlled by this Authority and by the Autorité des Marchés Financiers (or Financial Market Authority per its translation to the English language) in France to act as a credit institution and investment firm (hereafter « investment services bank »), entitled to perform any banking activity or to provide any investment service except the operation of Multilateral Trading Facilities, under the provisions of the French Code Monétaire et Financier (Monetary and Financial Code per its translation to the English language).

Contents of this website
Société Générale, any other entity member of the Group Société Générale and any third party contributor (the “Contributors”) shall make their best efforts to ensure that the information displayed on this website is accurate and up-to-date; Société Générale and the Contributors reserve their right to amend the content of this website at any time, without prior notice. However, they are not able to guarantee that the information herein is complete or that it will not be modified by a third party (for example in the event that this website was infected by, particularly but not limited to, any kind of malware, in spite of all the precautions taken by Société Générale). Société Générale and the contributors hereby disclaim any and all direct or indirect liability related to or caused by any delay, error or omission in the contents of this website, as well as from the use, the interruption or non-availability of this website. Therefore, Société Générale and the contributors shall not be held liable for any indirect consequential loss or damage, including, but not limited to: (i) any damage or loss arising from any transaction carried out on the basis of the information herein; (ii) any loss of profit, loss of business, or any other loss arising from an interruption to the service; or, (iii) the increase of the fees or charges for accessing and processing the information. Further, Société Générale and the contributors shall not be held liable neither for the results of any factor beyond their control nor for any eventual loss or damage to your technical environment, including, but not limited to, hardware, software, or any other equipment used to access this website or use the services and/or the information herein. Finally, société générale and the contributors do not guarantee, nor shall they be held liable, under any circumstance, for the suitability, fitness for any particular purpose, sequence, accuracy, absence of errors, veracity, topicality, loyal and commercial nature, quality, soundness, non-infringement or availability of the information contained on this website.

You undertake to access and use the information contained on this website for your own personal and non-commercial use only.

Information about Financial Instruments
The terms and conditions relating to financial instruments are indicative. The information about financial instruments in question do not constitute on the part of Société Générale either an offer to purchase, sell or subscribe financial products or services (including banking and insurance products), or a solicitation of an offer to buy or sell. Société Générale and the contributors hereby disclaim any and all liability related to the accuracy, completeness or adequacy of the information drawn from external sources, although this information comes from sources deemed reliable. When simulated past performance or past performance are presented, the relevant data pertaining to past periods are not a reliable indicator of future results. This applies even to the evolution of historical market data. When simulations of future performance are presented, the data for these performances are only predictions and are not a reliable indicator of future performance of the product. In addition, when past performance or simulated past performance are based on data expressed in a currency other than that of the State of the investor, the potential gains can increase or decrease based on changes exchange rate. Finally, when past performance or simulated performance (whether past or future) are presented, any gains can also be reduced by the effect of commissions, fees or other charges incurred by the investor.
Should you wish to obtain any of the products or services displayed herein, please contact Société Générale to obtain information on the availability, contractual terms, conditions and prices.

Product subscription and Investment services provision
In accordance with its legal and regulatory requirements (particularly under the Market in Financial Instruments Directive (MiFID)), and depending on the type of financial instruments involved and your classification as agreed with Société Générale, Société Générale may be required to verify that the financial instruments are suitable or appropriate to your investment or hedging objectives, financial capacity, knowledge and experience.
Without prejudice to the legal and regulatory requirements of Société Générale, investors must implement before investing in the product or entering into any transaction relating thereto, their own analysis of the product and its risks, particularly in terms of legal, tax and accounting, without relying solely on information supplied to them ; investors should consult, as deemed necessary, their own advisers on the matter or any other professional. Subject to compliance with legal or regulatory requirements, Societe Generale will not be held liable for financial consequences or any nature whatsoever arising from any transaction relating to the product or investment in the product.

The on-line request of subscription of a product or service offered by Société Générale requires of the acceptance of the latter and shall not be valid without it. Such subscription implies the subscriber’s acceptance to the applicable contractual conditions and fees, and its submission to French law.

Intellectual Property
This entire website is governed by international legislation on copyright, trademark and intellectual property in general, both as they are applicable to its form (editorial choices, layout, topics, means for accessing data, display, etc.), and to its content (text, images, etc.). The contents displayed on this website are of the exclusive property of Société Générale Group and the Contributors, respectively. You also undertake not to use this content for illegal purposes and not to allow anyone to do so.
By way of exception, some of the content (text, images) is the property of their respective authors.
Any reproduction, representation, diffusion or re-diffusion, in whole or in part, of the contents of this website on any medium or by any means whatsoever (including, but not limited to, caching, framing), as well as any sale, resale, retransmission or any other act tending to make such contents available to any third party in any manner whatsoever shall be prohibited. Failure to comply with these restrictions shall constitute a forgery engaging the civil and criminal liability of the forger.

Hypertext links
Société Générale shall not be liable for the hypertext links towards other websites, and particularly for the contents of the linked websites.
Société Générale shall not be liable for the hypertext links towards this website; no one shall create any such a link without Société Générale’s prior and express authorization.

Privacy
- Collection
Société Générale may as a result of your interaction with the website collect directly or indirectly nominative personal information about you, sometimes through the use of on-line or off-line forms. This information will be stored in and processed by Société Générale and/or its named providers or consultants information systems. The providing of some personal data may be mandatory in order to process your requests. If so, mandatory fields will be marked with an asterisk or any equivalent.
- Use
The data collected are to be used mainly for the continuation of the banking relationship with the customer. These data can also be used to keep you informed advise them of events, actions or publications that might arouse your interest.
Personal data, which may enable indirect identification, may also be collected and processed in order to better manage your connection and browsing (see below for information on Cookies).
- Communication with third-parties
Personal data collected can, as expressly agreed upon, be shared with legal entities of Société Générale Group, as well as to its partners, brokers and insurers as well to its subcontractors to the extent necessary for the fulfillment of the agreement or for direct marketing purposes.
- Processing security
Société Générale takes all physical, technical and organisational measures needed to ensure the security and confidentiality of personal data, particularly in view of protecting it against loss, accidental destruction, alteration, and non authorised access.
- Application of European regulations on the transfer of personal data outside the European Union
In particular owing to the international nature of Société Générale Group, and in order to optimise quality of service, the communication of information mentioned above may involved the transfer of personal data to countries from outside the European Economic Area, whose legislation on the protection of personal data is different from that within the European Union. Throughout the entire length of the banking relationship, Société Générale may entrust certain services with operational functions to service providers chosen for their expertise and reliability outside the European Union to provide targeted and limited IT services (tests, developments, IT maintenance).
- Rights of access, modification and objection
You are entitled to access your personal information and to have it amended, updated or deleted, where such information is incorrect, incomplete or outdated. You may also, on legitimate grounds, object to the processing of your personal information. Such objection may, however, prohibit Société Générale from providing the requested service. Anyone, without having to justify his/her decision, may refuse that any information pertaining to her/him is used, or communicated to, any third party for commercial purposes.
You may exercise your right to access, rectify and object to the use of your personal information by contacting Société Générale at the following address: the webmaster - webmaster.sg1@socgen.com
- Cookies
For your security, you banking website uses “cookies”. A cookie is a text file which is stored by your browser which is used to authenticate you during your browsing on the website.
You can, however, forbib you browser to store “persistent cookies” by configuring your browser as follows:

For Microsoft Internet Explorer 6 and 7:
1. Choose Tools / Internet Options in the menu bar.
2. Click on the Security tab and then on the ‘advanced’ button.
3. In the cookies menu, choose the option that suits you best. You can opt for automatic management of cookies (default) or place a check in the box by "Override automatic cookie handling" and then select “Refuse” in “First party cookies”, and in “Third party cookies”. Finally select “Always allow session cookies” and press “OK”.

For Firefox 2 and more:
1. Choose Tools / Options in the menu bar.
2. Select the Privacy category.
3. Then click on Cookies, select "Keep Cookies:" and choose "Until I close Firefox" and press “OK”.

For Safari:
1. Choose Preferences from the Safari menu and click Security
2. Click Always to accept and remember all cookies. Click "Only from sites you navigate to" to prevent storing cookies that come from websites other than those you open. Select this option to prevent advertisers on websites you visit from storing cookies on your computer. To see the cookies you have accepted, click Show Cookies. You can then remove cookies.

For Netscape 7.02:
1. Choose Edit / Preferences in the menu bar.
2. Select Confidentiality and Security.
3. Select Cookies and then click on “Accept cookies from the originating website only” and on “Accept for current session only”.

Required Plug-ins
- Plug'in Quicktime version 6 and above
- Plug'in Flash version 8 and above

Safety
This website is protected by one of the highest levels of technical security, and it is under permanent monitoring. The algorithms and mechanisms, used to protect your communications with Société Générale and the information that pertains you, comply with the French regulations in effect.