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 283, Route d’Arlon L-1150 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. Forthese 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”.


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 1 066 714 367.50 as of 1st August 2019.
Frédéric OUDÉA noted on August 1, 2019 the completion of a capital increase for Societe Generale. The capital amounts to EUR 1,066,714,367.50 divided into 853,371,494 shares, each with a nominal value of EUR 1.25.
Paris Trade Register No. 552 120 222
APE No.: 651C
Registered Office: 29 Boulevard Haussmann 75009 Paris
VAT No: FR 27 552 120 222

Publication Manager: Mr Frédéric OUDÉA, Chief Executive Officer

Editorial Manager: Mme Sonia Almeida

Contact: 01 42 14 20 00 ; sgpb-communication.world@socgen.com

This website is hosted by Societe Generale.

This website is governed by French law.


Professional regulations
Societe Generale is a licensed French credit institution supervised by the Autorité de Contrôle Prudentiel et de Résolution, (“ACPR”: 4 place de Budapest 75436 Paris Cedex 09), controlled by the Autorité des Marchés Financiers (“AMF”) and under the prudential supervision of the European Central Bank (ECB). In accordance to the provision of French Code Monétaire et Financier (Monetary and Financial Code), Societe Generale, as a credit institution licensed for the provision of investment services, is authorized to carry out all banking operations and provide all investment services except for the investment service of the operation of a multilateral trading facility (“MTF”) or an organized trading facility (“OTF”).

Contents of this website
Societe Generale 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). Moreover, Societe Generale and the Contributors shall not be held liable for any difficulty or impossibility to access the website due to an internet connection problem

Societe Generale and the Contributors shall not be held liable for any indirect consequential loss or damage, including, but not limited to: any damage or loss arising from any transaction carried out on the basis of the information herein, any loss of profit, loss of business, or any other loss arising from a service interruption due to an internet connection problem.

Further, Societe Generale 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 the technical environment of the website users, 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.

Information about Financial Instruments
The potential information or material about financial instruments on this website are provided for general information purposes only and should not to be construed as a solicitation or an offer to buy or sell any financial instruments, or any substitute for any form of advice or recommendation with respect to such financial instruments.

Societe Generale 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 or future 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 gain can also be reduced by the effect of commissions, fees or other charges incurred by the investor.

Societe Generale accepts no liability for losses or damages which may be directly or indirectly sustained by any visitor to the website or other person who obtains access to the material on the website.

Any person wishing to obtain any of the products or services displayed herein is requested to contact Societe Generale to obtain the regulatory information document (where applicable), and any other relevant information on the availability, terms and conditions, and prices.

Products and services subscription 
Where appropriate, any kind of request for subscription of a product or service offered by Societe Generale requires the acceptance of Societe Generale and implies the subscriber’s acceptance to the applicable terms and conditions, and prices.

Intellectual Property
This entire website is governed by French and international legislation on copyright, trademark and database law 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, video, etc.).

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, except preliminary written authorization of the publication manager. Failure to comply with these restrictions shall constitute a forgery engaging the civil and criminal liability of the forger.

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 Societe Generale and the information that pertains you, comply with the French regulations in effect.