Legal Information
Welcome to the usa.bnpparibas.com website published by BNP Paribas.
Company name: BNP Paribas
Public limited company with a capital of: 2,261,621,342 Euros
Commercial register [RCS]: Paris n° 662 042 449
Orias N°: 07 022 735
E.C. identifier: FR76662042449
Registered office: 16 boulevard des Italiens – 75009 Paris – France
Legal representative: Jean-Laurent Bonnafé, Director and Chief Executive Officer of BNP Paribas
Publication Director: Bertrand Cizeau, BNP Paribas Head of Group Communications
Site manager: Coralie France-Savin, BNP Paribas Group Head of Media Relations & Content Management
Design: EMAKINA & Axance
Technical developments: Tequila Rapido and Beapi
Hosted by: Bearstech & CDN: Level3
The publisher undertakes to comply with all laws on the establishment and the activity of a website.
BNP Paribas kindly requests that all users read the following terms and conditions carefully. By accessing, browsing or using the website, users acknowledge that they have read, understood, and consented to the terms and conditions.
BNP Paribas draws the attention of users of its website to the following points:
This Legal Notice applies to the U.S. version of the BNP Paribas USA online and mobile interfaces found at usa.bnpparibas.com/en (the “Website”). By accessing the Website, the pages contained on it, and the products, services, and other information contained or described on the Website, you acknowledge that you have read, understood, and consented to the terms and conditions herein. BNP Paribas USA and its direct and/or indirect affiliates and subsidiaries (“BNP Paribas” or “us” or “we”) provides other online and mobile interfaces not covered by this Legal Notice. If you visit one of these sites, please review the posted policies of that site.
1 – Access to the website
You acknowledge that you have the skill and resources necessary to gain access to the Website and use it properly. Access to the Website is free of charge. The costs of accessing the Website are to be borne by you in accordance with the terms and conditions set by your access providers and telecommunications operators. BNP Paribas cannot be held liable for matters outside of its control or for any damage that may be caused by your technical environment, including but not limited to the computers, software programs, network equipment and any other devices used to access the Website. You are reminded that it is an offense punishable under criminal law to fraudulently access or connect to an information technology (“IT”) system, to impair or interfere with the functioning of such a system or to fraudulently enter or alter information in an IT system.
2 – Intellectual property
BNP Paribas owns or holds the rights to use all components that constitute the Website, including but not limited to the text, data, designs, graphics, photographs and other media. It is prohibited by law to reproduce, modify, or distribute the content of the Website by any means whatsoever, whether in whole or in part, without the prior written authorization of BNP Paribas. No license, express or implied, is granted to the Website visitor. The logos and trademarks that appear on the Website are the property of their respective owners, and such trademarks may not be used by any third party in any form without the prior written consent of the relevant owner.
3 – Content of the website
BNP Paribas endeavors to ensure the accuracy of the information disseminated on the Website and reserves the right to change the content or presentation of the Website at any time and without notice. At any time, the information on the Website may be partial and incomplete. BNP Paribas declines any direct or indirect liability related to (i) any delay, error or omission with the content of the Website, (ii) any interruption to the service or accessibility of the Website, and (iii) the accuracy or updated nature and availability of the information contained in the Website. BNP Paribas cannot be held liable for any decision made on the basis of information contained in the Website or for the use that third parties might make of it. Anyone who wishes to use one or more of the services and/or one or more of the products presented on the Website is encouraged to contact his or her local BNP Paribas branch to ascertain the contractual conditions and taxes applicable to those products and/or services. Certain individuals may be restricted access to the products and services presented on the Website. None of the products and/or services will be supplied by BNP Paribas to an individual if the law of his/her country of origin or of any other country (including the United States) that might concern that person prohibits them.
4 – Technical information
Visitors are reminded that there is no guarantee that messages transmitted on the Internet will remain confidential. The responsibility lies with the individual to take all appropriate measures to protect his or her own data and/or software programs against contamination by possible viruses or other corruptants circulating on the Internet. BNP Paribas cannot be held liable for matters outside of its control or for any damage that may be caused by the visitor’s technical environment, including but not limited to the computers, software programs, network equipment and any other devices used to gain access to the Website or to use it and/or the information it contains.
5 – Hypertext links
Clicking on hypertext links contained within the Website may automatically direct you to an unrelated, third-party website that is not hosted by BNP Paribas. Such links are provided for your convenience only. For example, to read a PDF file, visitors will need to download the latest version of the Adobe Acrobat Reader software program. This software can only be downloaded from an unrelated third-party website. Hypertext links to unrelated, third-party websites contained in the Website have not been reviewed by BNP Paribas and BNP Paribas does not make any warranties or representations regarding the content contained on such unrelated third-party websites. Third-party websites are not subject to this Legal Notice, and we recommend that you review the policies that govern the third-party websites you visit. BNP Paribas expressly declines any liability concerning the content and possible losses incurred when visiting unrelated third-party websites to which the Website leads via hypertext links. The visitor visits other sites at his or her own responsibility and risk.
6 – Cookies
Visitors are informed that when they visit the Website a cookie may be automatically installed in the visitor’s memory or hard disk, and it may be retained temporarily. A cookie is a component used to record information about the visitor’s navigation on the Website that does not enable BNP Paribas to identify the visitor. Cookies assist the Website developers in (i) understanding how often certain areas of the Website are visited, (ii) storing the visitor’s preferences when visiting the Website, including preferred language, (iii) gather statistics on general usage patterns and (iv) improve the performance of the Website. The Website may contain third-party plug-ins that may also use cookies for similar purposes. BNP Paribas does not have access to any information collected via such cookies by a third-party. Visitors of the Website acknowledge that they have been informed of this practice and authorize BNP Paribas to use it. Visitors may deactivate cookies by customizing the settings contained in the device or browser being used to access the Website.
7 – Applicable Law
The content of the Website is subject to the applicable laws of the United States of America. All visitors acknowledge the competence of the courts of United States of America for everything regarding the content and use of the Website or disputes arising therefrom.
Our Data Protection Notice is available here.
Business Continuity
BNP Paribas maintains a comprehensive Corporate Business Continuity Program to protect the firm and its clients against disruptions that may affect business operations. We will take reasonable measures to provide continuous business operation and services to our clients with the least possible impact in the event of a business disruption.
The Program is comprised of three areas: Crisis Management, Business Continuity, and IT Disaster Recovery, all of which are all managed, administered and supported by a dedicated team of Business Continuity professionals. The organization is lead by a Steering Committee that is comprised of senior management representing critical areas of the firm. Key components of the program include:
- Structured, comprehensive Business Continuity Plans for all critical departments
- Planned and unplanned exercises of various types designed to keep the plans and procedures current (large and small scale),
- Awareness Programs for continued education and knowledge on the part of all staff,
- Formal business continuity plan reviews to ensure plans are current, requirements are met, and management is held accountable, and
- Internal and external validation by audit and regulators.
Our recovery plans allow us to provide clients prompt access to their funds and account information during significant business disruptions (SBDs.) We have deployed our operations over a network of geographically diverse locations for business operations and technology operations. The physical separation of technology and business operations provides flexibility necessary to meet BNP Paribas’ Recovery Time Objectives in the event of an unexpected business interruption. Our Primary Business locations, Production and Backup Data Centers are strategically located to protect against wide-scale disruptions. Additionally, “mission-critical” departments have been split to operate from two locations concurrently to ensure transparency to the operation, and critical systems are addressed in our recovery plans and strategies.
Our Production and Backup Data Center locations are hardened facilities equipped with redundant power and cooling systems that protect against infrastructure failures. The voice and telecommunications infrastructure has been designed to provide several layers of redundancy to ensure transparency through major failures.
Our Business Recovery Sites are configured to support the firm’s critical business functions and to ensure continuity of business. These sites are tested on an annual basis at a minimum, and whenever changes are required.
Our plans describe the actions BNP Paribas will take to address different kinds of SBDs — building failures, local incidents and regional disruptions. These plans are exercised, reviewed and enhanced on an ongoing basis.
In summary, BNP Paribas maintains a comprehensive program to ensure that the firm and its clients can continue to conduct business when disruptions to normal business operations occur.
For more information, please contact your relationship manager.