For the purposes of the following paragraphs (“Legal Notice” and “Data Protection”), the Andbank Group, its parent company and its subsidiaries are hereinafter referred to as “the Group”, Andbank Monaco SAM is referred to as “the Bank”, this website is referred to as “the Site”, anyone viewing the Site is referred to as “the User” and the Bank’s clients are referred to as “the Client”.
The information contained on the Site aims to make the Users, the Group and the Bank aware of products and services, and to establish direct communication and information channels with the general public, and particularly with Clients, via digital means.
The User acknowledges having read the conditions of access and use of the Site, as well as all these provisions, and expressly undertakes to comply with them.
The Site is normally permanently accessible, except in case of force majeure, intervention of third parties, maintenance work and interventions of any kind necessary for its proper functioning. In the case of intervention for Site maintenance, the possible interruption of its access or operation may be notified by means of a warning posted on the homepage of the Site, or by any other means. Any impossibility or difficulty of access, interruption or disruption in the operation of the Site, for any reason whatsoever, cannot in any case engage the responsibility of the Group or the Bank, or open right to compensation.
As the use of the internet does not guarantee the confidentiality and integrity of the information transmitted, the User is informed that it is his responsibility to take all appropriate measures to protect his messages, his data and/or equipment. The User is invited to consult the “Internet Security” section of the Site.
In addition, the User undertakes to respect the integrity of the Site. He is prohibited from hindering its operation, from modifying or deleting all or part of the content and from entering data in an unauthorised manner.
The Group reserves the right to modify, suspend, cancel or restrict the contents of Site, including this legal notice, or the links within it, without prior notice. Each time the User connects to the Site will be deemed as acceptance of the legal notice in force at the time of his connection.
Although the Group endeavours to obtain them from quality sources, it does not guarantee that the information, texts, graphics, links, or content of the documents on the Site are accurate, complete or perfectly up to date. The Group assumes no responsibility for the content and services, commercial or of any kind, of other sites that may be electronically linked, directly or indirectly, to the Site. The responsibility of the Group cannot therefore be engaged with regard to the information, opinions and recommendations formulated by these third parties. In general, access to the Site, and the use of the information it contains, is the sole responsibility of the User, and the Group expressly disclaims any liability for the use that may be made of it and its consequences.
Under no circumstances may the information contained on the Site, in any form whatsoever, be interpreted as a recommendation, advice, solicitation, offer of service, product or contract, such that the Group will not be liable for any consequences, damages, or prejudices of any nature that may result from the use and consultation of the Site. More specifically, no information contained on the Site may be interpreted as investment, legal or tax or any other kind of advice or recommendation. In general, the information contained on the Site is provided for information only and is of a non-contractual nature.
The Group shall not assume any responsibility for access to the Site by persons from jurisdictions where, for any reason, the publication, or access to the Site is prohibited. If necessary, the Group may restrict, or deny, access to it. In fact, the services and products mentioned on the Site may not be authorised for residents, or nationals of certain countries, or certain categories of investors. The services and products presented on the Site are intended to be offered and used in compliance with the applicable regulations. In particular, the products and services may be restricted to certain Clients only or may be subject to restrictions with respect to certain individuals, or in certain countries. In all cases, the User is requested to ensure that he is legally authorised to subscribe to the services or products mentioned on the Site. More specifically, the Site does not constitute an offer or solicitation of services or products to the United States of America, Canada, or to “U.S. Persons”, or residents or nationals of Canada, or any other country to which its content would constitute a violation of the applicable laws and regulations. Persons from such countries should refrain from viewing the Site.
The documentation (in any form whatsoever) and the graphic design of the Site belong to the Group and the Bank, or to their partners. The reproduction, copying, distribution or any other use of this content and its form, in whole or in part, is prohibited without the express permission of the Group. Failure to comply with this prohibition constitutes an infringement liable to incur the civil and criminal liability of the infringer, the Group reserving, if necessary, the right to bring any judicial or extrajudicial action that it deems appropriate in this respect.
It is strictly forbidden to use or reproduce the names, brands and logos of the Group, for whatever reason or purpose, and in particular for advertising purposes, without the prior written consent of the Group.
Any hypertext link to the Site must be subject to express and prior authorisation by the Group or the Bank.
The Site may be consulted in several languages. In the event of any discrepancy or inconsistency, with regard to its content, or litigation, only the French version will prevail.
The Site and its use are subject to Monegasque laws and regulations. The courts of the Principality of Monaco shall have exclusive jurisdiction in the case of litigation.
By application of Monegasque legislation on the protection of personal information, the Client is informed that the Bank is responsible for collecting, processing and storing personal information concerning them.
The Client expressly consents that said information is collected and processed electronically, whether automated or not.
This information will only be used, and will only be the subject of communications with third parties, both in Monaco and abroad:
- for the purposes of executing the contractual relationship between the Client and the Bank, and in particular the management and maintenance of the Client’s accounts, and the processing of payment methods,
- for the compliance with the legal and regulatory obligations incumbent on the Bank and in particular those relating to the fight against money laundering, the financing of terrorism and corruption resulting from the Monegasque legislation, or
- for services that the Bank outsources, within the Group or to third parties.
In all cases, the Bank shall implement all necessary means to ensure the security of this information.
The Client may be sent the list of processes implemented by the Bank, their purpose and the retention period of the information processed. Clients also have a right of access to personal information about themselves and may request that inaccurate, incomplete or outdated information be modified or deleted. They may also object, subject to justifying a legitimate reason, to personal information concerning them being processed. Such opposition may, however, make it impossible for the Bank to provide all or part of the services subscribed, or to maintain the account in its books. Finally, Clients may object, without having to justify their decision, to the personal information concerning them being used for the purposes of prospecting and in particular for commercial purposes.
These rights may be exercised by means of a written request addressed to the Bank’s Compliance Department. A response shall be made to the Client within 30 days.
The same principles apply to the personal data that the User may communicate to the Bank, which may be left with the Bank, or that the Bank may collect, during the connection to or consultation of the Site by the User.
If the User does not wish his data to be transferred to third parties or to foreign countries, it is their responsibility to not use the services of the Site which require the communication of personal data, or to even abstain from connecting to the Site.
The User is informed that the Site is hosted by the Group’s parent company located in the Principality of Andorra, a country with an adequate level of protection of personal data within the context of the European Union.