Terms and conditions
CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A.
Owner and Publisher
CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A.
Limited company (“Société Anonyme”)
World Trade Center Torre III Piso 15-Of 15, Av. L.A. de Herrera 1248 –11300 Montevideo, Uruguay
Representative office in Uruguay of: CA Indosuez (Switzerland) SA, CFM Indosuez Wealth SAM and CA Indosuez Wealth (Miami).
Nicolas Bonneau, CEO of CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A.
Téléphone : (+ 598) 2623 4270
Fax : (+598) 2623 4275
Mail : email@example.com
Crédit Agricole Group Infrastructure Platform, a Simplified Joint-Stock Company (French SAS) registered at the RCS of Paris under the number 840.434.740, with a capital of €86,552,500.
30-32, boulevard de Vaugirard, 75015 PARIS.
For purposes of this warning, are defined as follows:
- « notre Maison », « Indosuez », « Indosuez Wealth Management », « Groupe Indosuez » ou « Entité(s) » : CA Indosuez Wealth (Group) ainsi que les entités françaises et étrangères, quel que soit leur lieu d’implantation dont CA Indosuez Wealth (Group) est la société holding ou plus généralement faisant partie du Métier Wealth Management du groupe Crédit Agricole.
- « Indosuez Europe » : CA Indosuez Wealth (Europe)
- « Indosuez France » : CA Indosuez Wealth (France)
- « Indosuez Group » : CA Indosuez Wealth (Group)
- « Indosuez Monaco » : CFM Indosuez Wealth
- « Indosuez Suisse » : CA Indosuez (Switzerland) SA
- “Website”: the Website “ca-indosuez/uruguay” composed of the different webpages of CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A.
- “User”: any person accessing to and/or using the Website and/or any owner of a computer from which the connection and/or the navigation on the Website is carried out, whether this person is a client of an Entity or not.
The Website and/or the access thereto and/or use thereof are subject to Uruguayan laws and regulations. In case of any dispute, the courts of Uruguay shall be competent.
Access to and use of the Website shall be subject to the terms and conditions set out herein as well as in any other policies published on the Website, such as policies regarding the protection of personal data and online security, as applicable at the time of any such access to and/or use of the Website.
The User acknowledges awareness of the conditions of access and of use of the Website as well as the relevant policy considering the protection of personal data, intellectual property and security which are set out below and agrees to be bound by them.
CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. reserves the right to modify, at any moment, the content of this warning. The User is deemed to have knowledge of the latest version of this warning at every visit to the Website.
The Website is accessible 24 hours a day and 7 days a week, except in the case of force majeure, actions of a third party, and/or maintenance work and interventions necessary to the proper functioning of the Website. In this case, this interruption could be notified by a warning on the homepage or by any other proceeding. Any interruption or perturbation shall not constitute a ground for liability on the part of CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. or a possible third party Website host and does not open the right to any compensation.
The use of the Internet does not guarantee the confidentiality and the integrity of all the information provided, and the User is informed that he is responsible for taking all appropriate measures in order to protect his messages or data and/or tools. The user is invited to visit our page dedicated to general information on security.
The User agrees to respect the integrity of the Website. He agrees not to impede its functioning, to alter or delete any content, wholly or partly, and not to fraudulently enter any data.
2. Online services
CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. does not charge any fee for the access to and use of the Website. However, the User acknowledges that third parties may charge a fee for the use of the Internet through their infrastructure and/or networks, such as Internet service providers’ fees and telephone communications costs which are directly charged by the operators.
The access to the online services of CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. is possible through the Website. The terms of access to and use of, pricing and provision of such online services may be subject to a specific agreement with CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. If the User wishes to access to and use certain specific online services, he is invited to contact CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A.
3. Available information
Information and opinions of a general nature (economic, financial, etc.) available on the Website are only released for information purposes. Although CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. undertakes everything reasonably possible to obtain information from sources it deems reliable, it does not represent nor warrant that all information or data submitted on the Website are accurate, reliable and complete. They are not provided on a contractual basis and have only an indicative value.
Information and opinions may be modified at any time without prior notice. The User is aware that such information may not be automatically updated or valued on a real-time basis.
The Website may further include information provided by external companies or hyperlinks to other websites that were not developed by CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. The existence of a link on the Website to another website does not constitute a validation or endorsement of this other website or of its content by CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. It is the User’s sole responsibility to verify and use such information at its discretion. CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. cannot be held liable with regards to those information, opinions and recommendations made by third parties.
As a result of the existence of inherent risks regarding the electronic transmission of information, delays, omissions or inaccuracy may occur. Any information available on the Website is provided “as is”, whatever its origin. Therefore, CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. disclaims all liability regarding the content of the Website and its use.
Information available on the Website of CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. may be provided in several languages. In case of inconsistency, the English version shall prevail.
The use of the information contained in the Website is the sole responsibility of the User. CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. excludes all liability regarding the use that could be made and its consequences.
4. No offer
No information or publication appearing on the Website shall be interpreted as constitutive of an incitement, a solicitation, a proposal or a recommendation of banking or financial products or services from CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A.
Likewise, no information published on the Website shall constitute or may be construed as being investment, legal or tax advice.
For further information, the User, if he wishes, may contact CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. which may provide him with information to the extent authorized by the applicable law and regulations.
5. Restrictions on access to the Website, products and services
The Website is not destined to people subject to a jurisdiction where (due to their nationality, place of residence or for any other reason) the distribution or access to the Website is prohibited. Persons within such jurisdiction should refrain from navigating on the Website. The User is solely responsible to ensure that he is legally authorized to connect to the Website in the country from which the connection is established.
The products and services mentioned on the Website may not be approved for sale or available to residents or nationals of certain countries or certain categories of investors. The products and services presented on the Website are intended to be offer and used under the contractual conditions and the applicable price in Uruguay, in compliance with the applicable regulation. In particular, such products and services may be reserved only to certain clients or may be subject to restrictions regarding certain persons or in certain countries. In any case, the User is urges to ensure that it is legally authorized to invest in such services or products. CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. will not provide products or services, if this would constitute a violation of the laws and regulations of the country of residence, localization or origin of the person requesting such products or services, or of any other applicable laws or regulations.
More specifically, User’s attention is drawn to the fact that:
the Website does not constitute an offer or a solicitation of services or products towards the territories of the United-States of America and Canada or any country for which the Website content would constitute a violation of the applicable laws or regulations;
the Website is not available to persons residing in Hong Kong, except where such products and services are provided by the Hong Kong Entity of the Wealth Management Business Line or other group entities registered in Hong Kong, or otherwise in accordance with the Securities and Futures Ordinance (Cap.571).
the Website does not constitute an offer or a solicitation of services or products towards persons residing in Singapore.
En todo caso, se insta al Usuario a cerciorarse de que está autorizado legalmente para invertir en tales servicios o productos.
6. No liability
Subject to mandatory applicable law, CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A., its directors, employees or agents shall not be liable to the User or any third party in respect of any direct or indirect losses, costs, complaints, charges or damages of any nature, contractual or tortious, including negligence, resulting from, in one way or another – or linked to – the use of the Website, even if CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. was informed of the possibility of such losses, costs, complaints, charges or damages.
7. Job applicants and employment
The User can respond to an offer posted on the website "jobs.ca-indosuez.com" available through a link on the "Careers" tab.
The website "jobs.ca-indosuez.com" is under the editorial responsibility of CA Indosuez Wealth (Group) and is hosted by Talentsoft in France. The conditions applicable to the applications are specified in the Terms and Conditions of the Website "jobs.ca-indosuez.com" which the User shall read in case of any use of such website.
8. Intellectual property
The User acknowledges that CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. holds and retains the exclusive ownership of all rights, title and interest in the Website as well as its content (in particular, the information, data, sounds, images, texts, drawings, graphics, distinctive signs, logos, brands, iconographic and photographic representations, downloadable documents, etc.), or, as applicable, has acquired an appropriate license from the relevant third party to publish such content on the Website. In no event shall any of these rights be transferred to any User through his access to and/or use of the Website.
Any reproduction, representation or distribution, for purposes of competing activities, of all or any part of the content of the Website, on any medium or by any means is forbidden, except with CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A’s prior written consent.
Non-compliance to this interdiction may lead to civil and criminal liability.
All or any of the information contained in the Website may be downloaded on hard drive or printed for personal use only, provided that this copyright notice is included on each copy, that no alteration are made and that they are not used, wholly or partly, in another work, publication or on any medium. The download or any other form of copy of a software or information contained on CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A’s Website does not impart the User of any rights on them. It is also forbidden to distribute or copy all or any of the information contained on the Website, to transfer (electronically or by any other means), alter, and use the pages of the Website or any element appearing on it for purposes of competing activities without CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A’s prior written consent.
The User shall neither reproduce (wholly or partly), transfer (electronically or by any other means), alter, or use CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A’s Website to public or commercial purposes, nor create links with them, without CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A’s prior written consent.
Any hyperlinks to the Website or a Webpage must be subject to CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A’s prior and express authorization.
9. Claims management
Any and all claims must be addressed to Nicolas Bonneau (Responsable de la función de Atención de Reclamos) by email to firstname.lastname@example.org or by phone (+ 598) 2623 4270.
The customer claim management procedure (Proc 11-08) is available at the reception desk of CA Indosuez Wealth (Uruguay) Servicios & Representaciones S.A. and the customers may be directly provided with a Claim Form to be filled in and returned to the person at the reception desk.
In all cases, there will be a response within a fifteen (15) days period.
If the Responsable de la función de Atención de Reclamos fails to reply or if the response is unsatisfactory, this claim may be transferred and introduced to the Superintendencia de Servicios Financieros of the Central Bank of Uruguay.
10. Compliance Charter of the Crédit Agricole group
From its inception, Crédit Agricole's approach has been one of mutual benefit: building relationships of trust with its clients and partners founded on mutual respect and loyalty. In this way, it fosters its development with a long-term perspective.
Each member works with a view to serving the client. This involves listening to clients' needs in order to meet their expectations as closely as possible, while maintaining the necessary vigilance required in respect of the group's activities.
Each client receives the same consideration and can count on receiving fair information, clear explanations and good faith in the advice they receive.
All directors and employees must adhere to the same duty of discretion, refraining from unduly distributing or using the confidential information at their disposal for their own benefit or on another person's behalf. Their work is not guided by personal interests or considerations.
The companies that make up the Crédit Agricole group act for the common good, in accordance with their decentralised organisational structure and specific corporate purpose. An approach of mutual assistance and collective action is adopted by each company and each member of staff.
The Crédit Agricole group strives to maintain a clear communication policy with regard to its employees, shareholders and clients. Each employee bears a sense of responsibility for the group's reputation and image.
Each employee also has a duty of knowledge of the regulations applicable to their activity, which they must comply with responsibly. Where necessary, they can draw on expert advice within the group.
A key objective of the Crédit Agricole group is the career development of all its members. This implies appropriate management of common resources and methods.
While it is a major player in an increasingly global financial sector, Crédit Agricole remains anchored in fulfilling its local commitments. The group's executive managers fully assume this twin responsibility.