Legal Notice

Legal Representative: Mrs. Sabine CALBA – Chief Executive Officer

Publication Director: Mrs. Sabine CALBA – Chief Executive Officer

Disclaimer

The information appearing on this site, which is necessarily simplified, cannot be considered as constituting contractual offers for services or products. Thus, information relating to banking and financial products and services is provided for strictly indicative purposes, even if it comes from serious and reputable sources. Furthermore, it shall not constitute an offer to buy, sell, or subscribe to services (particularly concerning banking, financial, or insurance products), an offer to buy or sell securities or any other investment product, nor any form of advice or public offering from Banque Populaire Méditerranée.
Users are reminded that despite the procedures implemented by Banque Populaire Méditerranée to ensure the security of its website, third parties may fraudulently include links to other sites or internet sources, or even modify its content, without Banque Populaire Méditerranée being able to prevent it in the moment. In such cases, the latter cannot be held responsible for the availability of these external sites and sources, and cannot assume any liability for the content, truthfulness, timeliness, quality, completeness, relevance, or illegality of advertisements, products, services, or any other material available on or from these external sites or sources.

The performance of savings and investment products indicated on this site only reflects a situation observed at a given moment and can in no way prejudge the future evolution of rates and prices of the products concerned. In this regard, Banque Populaire Méditerranée disclaims all liability for the use that may be made of this information and the consequences that may arise, particularly concerning decisions that may be taken or actions that may be undertaken based on said information.
You remain solely and exclusively responsible for the use of the information and the results obtained from it.
Banque Populaire Méditerranée particularly draws your attention to the fact that the use and interpretation of information relating to financial products may sometimes require specific and in-depth knowledge. It is the responsibility of any interested person to verify the information provided and to make appropriate use of it.
In any event, Banque Populaire Méditerranée disclaims all liability for any direct or indirect, material or immaterial damages, that may result from consulting the site, from the use of its content by anyone, as well as in the event of delays in updating information, errors, or omissions in the content of these pages, particularly due to fraudulent modifications by a third party (intrusion, virus, etc.).

To maintain the accuracy of the information published on this site, Banque Populaire Méditerranée reserves the right to correct its content at any time and without prior notice. Likewise, Banque Populaire Méditerranée cannot be held liable for any damage that may be incurred by your technical environment during a visit to its site, including your computers, software, network equipment (modems, telephones, etc.), and any other material used to access or use the service and/or information.

Any person wishing to obtain a product or service described on the site must contact a Banque Populaire branch to inquire about its availability, contractual conditions, and applicable rates.

All visitors to the site are considered to accept the application of Monegasque law.

NOTA BENE: Access to all or part of the products and services described on this site may be subject to restrictions for certain persons or countries. None of the products or services presented here will be provided by Banque Populaire Méditerranée or any entity of the BPCE Group to a person if the law of their country of origin, or any other relevant country, forbids it.

The user is requested to ensure that they are legally authorized to connect to this site from the country where the connection is established.

The messages you may send us transit through an open telecommunication network and can thus be intercepted and/or modified; we cannot ensure their confidentiality.

In this regard, it is reminded that the confidentiality of correspondence is not guaranteed on the Internet network and that it is up to each user to take all appropriate measures to protect their own data and/or software and to implement, under their responsibility, the technical solution(s) of their choice.

For any confidential messages, we invite you to contact your Banque Populaire branch directly. Under no circumstances will Banque Populaire Méditerranée agree to receive instructions via email to execute a banking or financial transaction requiring a written and signed order from the client.

The establishment of a hyperlink to this site requires prior authorization from Banque Populaire Méditerranée. In this case, you may contact the editorial manager. The creation of a hyperlink, after authorization, may be valid on various media, with the exception of those disseminating information of a political, religious, pornographic, or xenophobic nature, or which could offend the sensibilities of the general public, or which are contrary to the legal and regulatory provisions in force.
In this regard, Banque Populaire Méditerranée reserves the right to object to any link established without its authorization that could harm its image, activities, values, reputation, or notoriety, without prejudice to possible legal action. Any hyperlink approved by Banque Populaire Méditerranée must open in a full window with the URL https://www.banquepopulaire.mc/ 
In the spirit of the Internet, links to other sites are provided for information purposes only and shall not engage the liability of Banque Populaire Méditerranée, either with regard to their content or their access conditions. If the managers of a “target” site wish to change their presence on this site, they can request it by writing an email.

Banque Populaire Méditerranée is an investment services provider authorized, in particular, for the services of receiving and transmitting orders on behalf of third parties and for placement services, in accordance with the provisions of the law of July 2, 1996, by:

• l’Autorité des Marchés Financiers (AMF)
  17, place de la Bourse
  75082 Paris Cedex 02
• L’Autorité de Contrôle Prudentiel et de Résolution (ACPR)
  4 place de Budapest
  75009 PARIS cedex 9 – sous le numéro 10325
• la Commission de Contrôle des Activités Financières (CCAF)
  4 rue des Iris
  BP 540
  98015 Monaco

Within the framework of the online stock market order service:

• Account holding and asset custody are carried out by Banque Populaire Méditerranée.
• The execution of transactions on the French market is ensured by ODDO BHF and KEPLER CHEUVREUX under a BPCE Group agreement covered by a framework contract.

Investing in the Stock Market Requires a Certain Vigilance

The service provided by Banque Populaire Méditerranée and its partners, some of whom are cited in the account-opening agreement, aims to transmit stock market orders received from its clients under the best possible technical conditions via the Internet. The transactions entrusted to it and their outcomes remain executed under the sole and unique responsibility of the order placer. Consequently, regardless of the nature or direction of the transaction processed on your behalf, you remain solely responsible for your choices and decisions in managing your portfolio.
If you are making your first investments in the stock market, we recommend that you consult the information available on the websites of:

• The CCAF Monaco: Financial Education – CCAF
• The AMAF: AMAF – Monegasque Association for Financial Activities
• The AMF (French Financial Markets Authority): 
  L’AMF et vous | AMF (amf-france.org)
  guide epargnant | Résultats de recherche | AMF (amf-france.org)
  Investir votre épargne : étape par étape | AMF (amf-france.org)
  

In general, we urge you to exercise the utmost vigilance when confirming your order (type, security, quantity, etc.). Placing any order also implies that you will monitor your order book, portfolio, settlement statement, transaction notice, and margin coverage on a daily basis.
Our service offering is intended for French residents and, if permitted by the legislation of their host country, for non-French residents. In any event, as a non-resident, you are required to first ensure that using the order placement service is compliant with the legislation applicable to you. Banque Populaire Méditerranée shall not be held responsible for any transgression thereof. Furthermore, an automated system verifies the existence of the provision for cash orders or the required margin coverage for orders with the deferred settlement service… In the event of insufficient provision (securities or cash) or coverage, the system will automatically block the transmission of the order. You will then be notified on-screen of the reasons for the block so that you can regularize your situation.

If the order placer fails to complete the necessary margin coverage for their deferred settlement service orders within the required timeframe, Banque Populaire may proceed with the partial or total liquidation of their commitments or positions.

Finally, if your order is inconsistent with market conditions at the time of the transaction, the verification system will automatically block it.

For a Continuous Service

Banque Populaire Méditerranée and its partners disclaim all liability for malfunctions related to the Internet network or the order placer’s equipment. These could result in a delay in order transmission or a failure to display information.

In accordance with current banking legislation, the Bank is bound by an obligation of confidentiality regarding the information collected in the course of its commercial activity and business relationships. Its staff is under a legal obligation, under penalty of the sanctions provided for in Article 308 of the Monegasque Penal Code, not to disclose confidential information of which they may become aware, except in cases where the law permits. Notwithstanding the foregoing, in application of Law No. 1.165 of December 23, 1993, as amended by Law No. 1.353 of December 4, 2008, relating to the processing of personal data, the Client expressly accepts that personal data concerning them or their agent(s) may be collected or be subject to automated processing by the Bank. This data will only be used and communicated to external parties to meet legal and regulatory obligations and for the sole purposes of management, account keeping, and the processing of various payment methods. The Client has a right of access, rectification, and opposition under the conditions provided for by Law No. 1.353 of December 4, 2008, amending Law No. 1.165 of December 23, 1993, relating to the protection of personal data. The Client may consult their data directly or indirectly and, if necessary, have it rectified by sending a letter to the Bank’s branch address.

The Financial Information We Provide to You

The site provides you, in various forms, with financial information and data that are disseminated for purely indicative purposes and should not be interpreted as advice, recommendations, or solicitations. Banque Populaire Méditerranée cannot be held liable for the relevance of the information provided or for stock market investment choices, for which the order placer remains fully responsible.

Copyright

All reproduction rights are reserved, including for downloadable documents and photographic representations. The reproduction of all or part of this site, on any medium whatsoever, is strictly prohibited without the express authorization of the publication director. Documents may only be copied for informational purposes, with the copy being reserved for private use only.
The violation of any of the copyrights, namely any reproduction, representation, dissemination, or redistribution, in whole or in part, of the content of this site on any medium or by any means whatsoever (including through caching or framing), as well as any sale, resale, retransmission, or making available to third parties in any manner, is prohibited and constitutes an offense of counterfeiting, punishable under Article L. 335-2 of the French Intellectual Property Code. As such, counterfeiting in France of works published in France or abroad is punishable by three years of imprisonment and a fine of €300,000.

The trademarks mentioned on this site are the property of Banque Populaire Méditerranée and/or BPCE, the central body of the Banque Populaire network. Any total or partial reproduction of the trademarks and/or logos is prohibited without the prior consent of the latter, in accordance with Articles L. 713-2 and L. 713-3 of the Intellectual Property Code. The same applies to the databases contained within the site, the content of which is protected, particularly by the provisions of the law of July 1, 1998, on the legal protection of databases.

Cookies

Cookies are small files containing a few lines of text placed on the user’s computer by a web page server. They are used to facilitate navigation and to streamline registration or audience measurement procedures.
The banquepopulaire.mc website occasionally uses these cookies.

Thus, when a user visits the site to search for, read, or download information, certain information about them may be collected, such as the name of the domain and host computer from which they access the Internet, the Internet Protocol (IP) address of the computer used, the date and time of navigation, and the URLs from which they came. This information is used to analyze and measure site traffic and to help make it more useful. It is destroyed after a certain period.

Browsers accept cookies by default. However, you have the option to change your browser settings to choose not to accept any cookies.

Hosting

This site https://banquepopulaire.mc is hosted by :

ALBIANT-IT
110 Avenue de France
75013 PARIS

SIRET No: 501 105 498 00080

Tél +33(9) 72 72 01 73
This phone number belongs to the technical host, who cannot answer your banking questions or address any issues you may encounter while using this service.