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Disclaimer

Please read these general terms and conditions relating to the use of this website carefully.

By accessing this website, by visiting or using it, whether personally and/or on behalf of a legal entity for which you are acting as a representative, intermediary or employee, you accept the terms and conditions listed below which you confirm that you accept explicitly. These terms and conditions are subject to change. If you refuse to adhere to these terms and conditions, please do not access this website, do not visit or use it, nor the information it contains.

1. Definition and conditions of access

The term "website" denotes this website, as published by BNP Paribas Fortis SA/NV (more information under point 2. Publisher), hereinafter "the Bank" and/or its affiliates or companies of the group to which the Bank belongs, as well as all information and materials that this website contains.

Certain parts or pages of the website may state distinct and/or complementary conditions, which constitute additions to these terms and conditions. In cases where these may be contradictory, the conditions and/or complementary conditions will predominate the current terms and conditions with regards to the parts or pages of the website to which they relate.

This website may contain links to other websites published by third parties. Links to this website may also be considered as part of these third party websites. The Bank has not carried out inspection of these sites and accepts no responsibility for all information or materials contained on any site accessible on the basis of links on this website. The creation of a link to a third party website, or allowing a third party website to create a link to this website does not mean that the Bank endorses or recommends any products or services offered on the third party website. The Bank also makes no judgment – neither implicit nor explicit - with regards to the exact nature and/or reliability of information that can be found on third party websites, whether directly or indirectly, or regarding honesty and/or morals of the third party.

The content of the website is subject to change. All products and services are not available in all geographic regions. The ability to access or not a product or service may be subject to the approval of the Bank, its related companies concerned, or companies of the group to which the Bank belongs. Those who access this website, who visit or use it, must ensure that the legal requirements in force in their own countries allow them to access this information, otherwise they will refrain from accessing this website, to visit and/or use it.

2. Publisher

The website publisher is:

BNP Paribas Fortis SA/NV Montagne du Parc 3, B-1000 Brussels Register of Companies – VAT BE 0403.199.702  is submitted as a credit institution under Belgian law to the prudential control of the National Bank of Belgium as well as control for the protection of investors and consumers by the Financial Services and Markets Authority (FSMA).  BNP Paribas Fortis SA/NV is registered and acts as an insurance agent under the No. FSMA 25879 A for AG Insurance SA and Cardiff Assurances Risques Divers SA.

Addresses of supervisory authorities are:

Financial Services and Markets Authority  (FSMA)

Rue du Congrès 10-16 1000 Brussels - Belgium www.fsma.be

National Bank of Belgium (NBB)

Boulevard de Berlaimont 14 1000 Brussels – Belgium VAT BE 0203.201.340 - www.bnb.be

3. Website content and materials

The information and materials contained in this website are provided solely for information purposes and do not constitute an offer of products and/or financial, banking, insurance or other services.

The information and materials contained on this website are not intended to provide advice, whether financial, fiscal, accounting or legal advise and without this list being exhaustive.

The Bank will make every effort to monitor and regularly update the information and materials on this website, and verify the reliability and honesty of their sources. Therefore, the information and materials to be found on this website are subject to change. However, the Bank is not able to guarantee that the information and materials contained on this website or to which it refers are correct, adequate, complete or timeless; it is also not able to guarantee that the information or material is suitable for a particular purpose, or the reliability and honesty of its sources. The Bank, its affiliates, companies of the group to which the Bank belongs, its directors, employees and/or representatives shall in no event be liable for any reason whatsoever, contractual or not, for any possible damage - direct or indirect - that you should have incurred to have accessed this website, for having visited and/or used it, except in cases of serious or wilful misconduct attributable to them.

4. Intellectual property rights

The information and materials included on this website are protected by intellectual property rights owned by or to which the Bank may claim, or its affiliates or companies of the group to which the Bank belongs, or third parties. This information and material may be reproduced and printed by you for your personal use only, and for non-commercial use, provided you do not remove the entries referring to these intellectual property rights. You agree to not to disclose this information and material, to not reproduce and or sell it in any form and by any means whatsoever, without the express prior written consent of the Bank.

5. Protection of Privacy

(Law of 8 December 1992 on the protection of privacy with regards to the processing of personal data)

Please note that the Bank is responsible for processing personal data that is collected through this website.

As a visitor or user of this website, you agree that the Bank and its related companies, or companies in the group to which the Bank belongs, record and process, for the purposes stated below, your personal data: the compliance with any applicable legal or regulatory provisions, including the prevention of money laundering and the financing of terrorism, management of contractual and pre-contractual relations, prevention of abuse and fraud, making statistics and tests, the training of personnel, quality control service, commercial prospecting or direct marketing relating to banking, financial or insurance or other products promoted by the Bank, its affiliates or companies of the group to which the Bank belongs.

You agree that this data is communicated to all related companies to the Bank, or any company of the group to which the Bank belongs, to subcontractors, providers of outsourced services (outsourcing) and other associates or others under Belgian or foreign legal obligation or with a legitimate interest. You also authorize the disclosure of such data in the conditions stated above, even when the recipient is established in a country that non-member of the European Union, which guarantees or not an adequate level of protection. You agree that subcontractors and outsourcing service of the Bank, even if they are established in Belgium or abroad, can communicate your personal data to any Belgian or foreign authority, under any legal obligation applicable in the country where these subcontractors or outsourcing service providers have a facility. This consent also applies when it comes to a country outside the European Union whether or not an adequate level of protection is guaranteed. Related companies or those of the group to which the Bank belongs, as well as duly authorized agents or brokers, can use this data as controllers of the personal data provided by the Bank, for the purposes of preventing abuse and fraud, sales prospection and direct marketing as well as for any other purpose declared. Should the Bank ask you for personal data and you do not wish to answer, this refusal may prevent the establishment of contractual relations. Within the Bank, its affiliates or companies of the group to which the Bank belongs, access to your personal information which has been collected through this website is limited to persons who need the data to carry out their work.

You are entitled to request for free, by writing or via the website, that the Bank, its affiliates or companies of the group to which the Bank belongs, cease to use any personal data that has been collected via the website for marketing purposes or direct marketing.

You have the right to access any personal data that concerns you and ensure that it is corrected if inaccurate. To exercise this right, simply send the Bank a written request to this effect, duly signed and dated to the address mentioned above.

6. Confidentiality

All information and material submitted to the Bank via this website will be treated in compliance with legal and regulatory provisions in force on the subject.

7. Applicable law and components courts

Access to the website, visiting or using this website, and these terls and conditions are governed by Belgian law and shall be construed in accordance with it. Except where a law expressly designates a judge who has jurisdiction, any application may be lodged with:

- The competent judge for the defendant’s or one of the defendant residences;

 - The competent judge for the locality in which was or were contracted commitments or the commitment that is subject of the dispute, or for which they have been, are or need to be performed;

 - The competent judge for the locality in which the bailiff spoke to the defendant, if the - or, if applicable, one of the defendants – has their residency in Belgium or abroad.

8. Autonomy and amendments

If any provision of these terms and conditions are deemed unenforceable, the remaining provisions shall remain unchanged, and the inapplicable provision(s) will be replaced by an applicable provision, the spirit of which will be as close to the disposition that was deemed inapplicable. This convention shall form an integral part of each of the other contracts that you made or have enter into with the Bank, with one of its affiliated companies or companies of the group to which the Bank belongs.

The Bank has the right to modify at any time these terms and conditions with immediate effect and without prior notice.

9. Third party liability

Any illegal or prohibited use of the website, such as causing damage to software programs used or to the data made available, either through viruses, destruction and/or data manipulation gives rise to civil and/or criminal liability.

The fact that the Bank does not invoke on or continue the execution, even temporarily of any of its rights or other rights arising from these terms and conditions and/or related to the use of the Website, shall not be construed or result that the Bank has abandoned or waived any right or action.

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