Publisher of the site
Caisse Régionale de Crédit Agricole Mutuel Provence Côte d´Azur, a cooperative company with variable capital, accredited as a credit institution.
Registered office located at Avenue Paul Arène - Les Négadis - 83300 DRAGUIGNAN. RCS DRAGUIGNAN 415 176 072.
An insurance broking company listed on the insurance intermediaries register (RIA) with number 07 005 753
Since the Caisse Régionale de Crédit Agricole Mutuel Provence Côte d´Azur has the status of an investment provider, it is accredited by the French committee for credit institutions and investment companies (C.E.C.E.I. at 39, rue Croix des Petits Champs - 75001 PARIS) and the French financial markets authority, the AMF, to provide the services of receiving, sending and executing orders on behalf of third parties, of managing on own account, of investment and underwriting and of account-holding and custodianship.
A cooperative and mutual bank governed by Articles L.511 et seq. of the Monetary and Finance Code, accredited by the French committee for credit institutions and investment companies (C.E.C.E.I. at 39, rue Croix des Petits Champs - 75001 PARIS).
CE identifier: FR19415176072
Responsible Editor: Andrée SAMAT
Editorial Director: Olivier GORDE
E-mail address:  ca-en-ligne@ca-pca.fr
Host: PROGICA S.A.S. - 91-93 Bd PASTEUR 75015 PARIS - FRANCE - Tel. 01 57 72 71 01
Design and creation of the site: Autre Planète - 24, rue Chaptal 75009 PARIS.
Conditions of access and use
By accessing this site and the information it contains, the user agrees to the rules of use set out below.
This site, presented in French, is aimed at both clients and non-clients of Crédit Agricole. The products and services presented on this site are intended to be offered and used according to the contractual conditions and the applicable prices. Some of these products and services are liable to be reserved for customers resident in France. This site is subject to the law of France.
The user is informed that the use of the Internet does not guarantee secrecy of correspondence; the user should take all appropriate steps to protect his/her own data and/or facilities. Please see the "Security" page.
1. Provision of investment services under the AMF regulations
Provider of investment services, accredited by the French committee for credit institutions and investment companies (C.E.C.E.I.) for all those investment services specified in Article L.321-1 of the Monetary Finance Code, namely: - receiving and sending orders on behalf of third parties, - executing orders on behalf of third parties, - trading on own account, - portfolio management on account of third party, - underwriting, - investment.
2. Information provided
The content provided on this site is supplied for information purposes and is subject to change without notice.
The purpose of this site is to present the products and services of Crédit Agricole that may be marketed by your Caisse Régionale de Crédit Agricole (hereinafter, the "Caisse Régionale").
The setting up of contracts relating thereto presupposes that your Caisse Régionale has given prior consent, after examining the particular circumstances of your application.
Each of the products and services presented complies with special conditions and limits that are detailed in each contract, to which you should refer. Some of the features of these products and services are highlighted. They are not exhaustive. Moreover, they may change and are valid only on the date of publication of that document. Each of the worked examples presented is provided subject to acceptance of your application and of the conditions applicable to you by your Caisse Régionale. These examples are provided on an indicative basis, dependent on the conditions in application on the date of publication of that document, unless indicated specifically.
The site includes consideration of the regulations in effect as at the publication date of that document, unless another date is indicated.
You may rely only on the statements of rates, prices or other conditions shown in the contract that you sign with your Caisse Régionale.
Please contact your Adviser who will inform you of the criteria and conditions that apply to your plan.
The Caisse Régionale de Crédit Agricole, publisher of the site (hereinafter, "the publisher"), does all it can to provide users with high quality information and/or tools.
Despite all the care invested, some risks are inherent in the sending of information through electronic networks: delays, omissions or inaccuracies are liable to occur.
Therefore, the publisher cannot guarantee the accuracy, reliability and completeness of the information provided on this site, and will not be held liable for errors, a lack of availability of the information, accuracy, updates and/or the presence of a virus on its site.
This site does contain information that is provided by external companies and/or hypertext links to other sites that were not developed by the companies of the Crédit Agricole Group.
The existence on this site of a hypertext link leading to another site does not constitute approval of that other site or its contents. Consequently, it is the web user´s responsibility to use that information with discernment and a critical spirit. The publisher will not be held liable with respect to the information, opinions and recommendations made by such third parties.
Similarly, the publisher of this site may not be held liable in the event of poor use of the site by the user or in the event that the site may temporarily be unavailable (force majeure, a maintenance period or a technical incident, regardless).
The user is the sole and only person responsible for the use of the information appearing on this site and for the consequences that may stem from such use, particularly as to the decisions made and the actions taken on the basis of that information.
3. Pricing
Access to this site is free of charge, apart from internet access providers and apart from the telephone connection charges that are billed directly by operators.
4. Computer databases and freedoms
Please see the data protection policy.
5. Use of cookies
The users of this site are notified that, when accessing this site, information may temporarily be stored in memory or on their hard disk to facilitate browsing through the site. The users of this site acknowledge that they have been notified of this practice and of the means they have to object to it (Please see the data protection policy).
6. Ownership of intellectual property
This site must be considered as an indivisible whole. This site and all the items appearing on it (information, data, texts, sounds, images, pictures, graphics, distinctive signs, logos, marks, etc.) are the sole property of the publisher or its partners.
All of these items are subject to the provisions of the French Intellectual Property Code and, as such, are protected against any unauthorised use by the law or by these conditions of use.
The reproduction of these items is permitted only for information purposes and/or the purposes of making copies or reproductions intended for strictly private and personal use.
Among other things, it is strictly prohibited to use or reproduce the name “CREDIT AGRICOLE" and/or its logo, whether alone or associated, in any way whatsoever, and in particular for advertising purposes, without the prior written consent of the publisher.
Any other reproduction, representation or distribution, whether in whole or in part, of the content of this site, on any medium or by any process whatsoever, is prohibited. Lack of compliance with this prohibition constitutes an infringement that may cause the infringer to be prosecuted in the civil or criminal courts.
7. Hypertext Links
The placement of hypertext links on this site aimed at other resources located on the Internet does not constitute an approval of those resources or of their content and will not lead to the publisher of this site being legally liable.
Any hypertext link to this site must be authorised explicitly and in advance by the publisher, which reserves the right to have that link removed at any time.
Banking mediation charter of the Crédit Agricole Provence Côte d´Azur
The Caisse Régionale de CREDIT AGRICOLE PROVENCE COTE D´AZUR is inventing the first personalised bank for everyone, and is dedicated to a movement involving easy access, listening, advice and conciliation. The Caisse Régionale is eager to favour out-of-court settlement of disputes with its customers, and proposes that you send your complaints to your branch, to the Customer Relations Department, or to the mediator designated under the conditions below.
Article 1 - Choice of the Mediator
The Mediator designated by Caisse Régionale de Crédit Agricole Provence Côte d´Azur is a competent outside person, who is independent of Credit Agricole, qualities that are required for purposes of impartiality in the handling of disputes.
Article 2 - No charge
Mediation is free of charge for the customer.
Article 3 - Scope
3-1 - Disputes concerned The mediator may handle referrals to consider disputes with individuals who are not acting for business purposes with regard to the services supplied and the performance of the contracts entered into under Chapters I and II of Book II of the French Monetary and Finance Code and concerning the products stated in Chapters I and II of Book III of that same Code: financial instruments, savings products, banking transactions, investment services and allied services.
3-2 - Disputes excluded The Mediator cannot, unless agreed otherwise by both parties, handle a matter if it has been referred to the courts to settle the dispute between the litigants. Matters that are excluded include disputes arising out of the bank´s sales policy (pricing policy, commercial range, consent to credit, etc.).
Article 4 - Role of the Mediator
The Mediator´s assignment is to work towards an amicable agreement concerning the matters referred to him/her, particularly be making recommendations. The client and the Caisse Regionale are not obliged to accept the Mediator´s recommendations. The Mediator is the master of the conduct of his/her assignment to achieve the goal of conciliating the parties. He/she will ask the customer and the Caisse Regionale for all documents and/or remarks that he/she deems useful for the fulfilment of his/her assignment. He/she may, if he/she so desires, hear them separately, and they may even be assisted by Counsel.
Article 5 - Referral to the Mediator: Procedures
In the event of a dispute arising out of Article 3.1 : Disputes concerned, you have the possibility of applying at no charge to a Mediator whose contact details are shown on your account statements. Referral to the Mediator constitutes the Customer´s agreement to the terms of this Charter. Acceptance is effective as of the date of receipt by the Mediator of the referral form sent by mail. As required, the Mediator will send you a document enabling you to outline the purpose of your complaint and will outline to you the next stages of the procedure. You are able to learn about the progress of this process, either in a branch or on the website of your Caisse Regionale under the heading “Legal Information / MEDIATION CHARTER". Referral to the Mediator suspends any court proceedings that are under way.
Article 6 - Confidentiality of exchanges
The Mediator is required to keep all information strictly confidential: the statements and representations of the customer and of the Caisse Regionale may not be produced, or referred to, following the process, unless both parties so agree. Persons who, with the explicit consent of the parties, may assist them or participate in the meetings are subjected to the same duty of confidentiality.
Article 7 - Lifting of banking secrecy
The customer explicitly authorises the Caisse Regionale to provide the Mediator with all the documents and information that may aid in the fulfilment of his assignment. The customer releases the Caisse Regionale from banking secrecy concerning him/her for the purposes of the MEDIATION. In general, each party undertakes to provide the Mediator with all documents and information he/she may seek, without delay.
Article 8 - Term of the Mediation
The term of the mediation will not exceed two (2) months as of the date on which the matter is referred to the Mediator. Once the Mediator´s recommendations are made and if the two parties fail to agree, they shall be free once again to pursue their rights. This referral suspends all time constraints during the term of the MEDIATION. This referral to the Mediator therefore is not a hindrance to conservatory measures that the Caisse Regional may take during the mediation.
Article 9 - Report of the consent of the Customer and of the Caisse Regionale
If they customer and the Caisse Regional agree to the Mediator´s recommendations, the parties will jointly sign an agreement or a settlement under the aegis of the Mediator, which will not be disclosed to anyone whatsoever, except for the purposes of its enforcement. The settlement or agreement will constitute abandonment of legal case and court action concerning the difficulties so settled. Lack of response to the recommendations that are served upon the customer and the Caisse Régionale for more than 30 days, will constitute rejection of the proposals made to them by the Mediator.
Subsidiaries
CREDIT AGRICOLE ASSET MANAGEMENT
CALYON FINANCIAL SNC
CAMCA
CNP ASSURANCES
COVEA FLEET
COVEA RISKS
CREDIT AGRICOLE LEASING
EUROPAY France
FINAREF Life Ltd and FINAREF Insurance Ltd
GESTION PRIVEE INDOSUEZ
CREDIT AGRICOLE FACTORING, a brand of EUROFACTOR
LIXXBAIL
MUTUAIDE ASSISTANCE
PACIFICA
PLEINCHAMP SAS
PREDICA
UNI-EDITIONS
Contact For any request for further explanations, please contact the webmaster of this site at the following address: ca-en-ligne@ca-pca.fr
|
Contact us :
