Last update: 13.09.2022

Conditions of Use of the Website and Social Media

By accessing, visiting, or making use of this website, you accept the present “Conditions of Use of the Website and Social Media” (hereinafter referred to as the “Conditions of Use”). This legal information may be modified from time to time and we therefore invite you to consult it regularly.
These Conditions of Use pertain exclusively to the generic website of Bank Degroof Luxembourg Petercam SA (hereinafter referred to as “Bank Degroof Petercam”), available at the address (hereinafter referred to as the "Website”) Insofar as this website aims to gather the different members and activities of the group, you could be redirected towards the website of any other entity of the Degroof Petercam Group, to which a different legal framework, and therefore different terms and conditions, are applicable. Different conditions also apply to the so-called “transactional” websites which allow clients to access services and products from the Degroof Petercam Group, as well as the databases containing official publications (prospectus, KIID, etc.) relating to the financial products we distribute.

The contents of the Website are primarily aimed at the Luxembourg market, where the head office of Bank Degroof Petercam Luxembourg SA is located. If your domicile or place of residence is in a country where the use of or access to this Website is contrary to the applicable laws and regulations, you are required to close this window and immediately leave the Website. More specifically and non-exhaustively, if you are a resident or citizen of the United States of America, the Commonwealth, or Japan, you are not allowed to proceed and you are obliged to immediately leave this Website.

The information provided through this Website and/or the social media are provided for free, are for information purposes only, and do not encourage the undertaking of certain actions, nor do they advise in favour of or against a specific line of action. Even though we commit to maintaining a certain level of quality in everything we undertake, we cannot guarantee the appropriateness, correctness, accuracy, exhaustiveness, authenticity, or the current nature of the information provided through this Website or the social media and therefor do not make any guarantees in this respect. Any reliance on this information on your part is your responsibility.

As the user, it is your exclusive responsibility to actively and diligently try to obtain adequate, precise, and authenticated information regarding the matters that are of interest to you. In order to ensure that you are well informed, we recommend that you adhere to the following principles:
  • When making a decision regarding investments, one should consider the related risks and assess them correctly in order to make an informed decision. Before investing in a financial instrument, make sure that you always consult the official documentation: prospectus, KIID, periodical reports, and other available information.
  • If a communication pertains to the past performances of a financial instrument, index, or specific investment service, refers to past performance simulations, or includes information related to future performances, the aforementioned performances and/or forecasts cannot be considered reliable indicators of future performance.
  • The performance statements may be influenced by taxes, commissions, costs, rate fluctuations, and other factors. Thus, the net yield on any given investment may depend on the individual situation of the investor at a given time.
  • Information such as the general information featured on the Website or communications by Bank Degroof Petercam (and any other entity of the Degroof Petercam group) displayed on social media cannot in any case be considered as legal, tax or any other type of advice. The information provided or the opinion given by Bank Degroof Petercam (and any other entity of the Degroof Petercam group) does not take into account your financial competences or knowledge, or your investment goals, your financial situation, or any other specific demands or circumstances. Before making a decision (especially regarding fiscal and legal regimes), please seek specific, individual, and appropriate professional advice.
  • The information made available through the Website or the communication of Bank Degroof Petercam (and any other entity of the Group Degroof Petercam) on social media should not be interpreted as a promotion of investments or financial services, such as advisory or management services, either on the Belgian market or on any other market. Neither the Website nor its content may be construed as constituting, in whole or in part, investment advice or recommendations, or an invitation, offer or solicitation to buy, subscribe, sell or redeem any financial instrument.
  • Bank Degroof Petercam (and any other entity of the Group Degroof Petercam) does not comment on social media about the individual performance of portfolios or financial instruments. For any individual information and/or personalized offer or recommendation, one should contact the competent services of Bank Degroof Petercam.
    The recommendations for the user and other provisions of this text likewise apply to the use of social media. For the purposes of this text, “information” shall be held to refer to all forms of information: be it the contents of the site itself, information (documents, data, video, or other) rendered available via the Website or recommendations or comments made via social media.

The contact form available on the website does not establish an offer of services or a proposal for the conclusion of an agreement on behalf of Bank Degroof Petercam. Bank Degroof Petercam reserves the right, at its own discretion, to reject any request which would be made via this contact form without any justification from him/her is required.
Within the applicable legal limits and constraints, Bank Degroof Petercam (and all other entities of the Degroof Petercam group) shall not be held responsible for loss or damage, such as loss or damage resulting directly or indirectly from access to, downloading from, or use of the Website (or any other website to which the Website links) or for the information made available via the Website or social media.

This Internet site enables you to receive e-mails from the Degroof Petercam group. Insofar as these messages are sent via the Internet, i.e. a public network over which the Bank Degroof Petercam has no control, these messages may be intercepted, modified or lost. In this respect, Bank Degroof Petercam (nor any other entity of Group Degroof Petercam) does not accept any responsibility.

As the editor responsible for the Website, the Bank Degroof Petercam does not guarantee that the information available on the Website has not been modified due to technical defects (disconnection, intervention by third parties, virus, or any other reason). Moreover, the Bank Degroof Petercam has the right to modify the information available on the Website at any time, unilaterally, and without prior notification, including (but not limited to) the conditions of access to the Website in its entirety or part of it and/or the various advertisements, information, and announcements made to users (including among others the Conditions of Use). We invite you to regularly verify the contents of these Conditions of Use in order to stay informed on possible modifications. The use of this Website is subject to the latest version available of the Conditions of Use.

Concerning the use of social media, we remind you that you are exclusively responsible for the comments, tweets, and other messages and information you place online. We urge you never to publicly divulge any personal financial information or any other information regarding your bank accounts. For the purpose of the protection of privacy, please do not publicize personal information pertaining to you or to other persons which may allow for identification. The Bank Degroof Petercam cannot be held responsible for the advice, information, allegations, or other messages published by external users on these pages and does not endorse the opinions expressed thereon by external users. Social media networks are third-party services, offered and operated by entities not affiliated with the Degroof Petercam group, and for which the Bank Degroof Petercam (and all other entities of the Degroof Petercam group) cannot be held responsible. We reserve the right to have third parties remove publications which are not in accordance with the prevailing code of conduct, such as publications which are abusive, misleading, or in any other way inappropriate and/or to engage in legal procedures when deemed necessary by us. We are not able to provide complete follow-up, or to respond to all cases. For instance, most of the follow-up we provide pertains to the conversations in Dutch, French, and English

The entirety of the Website and its contents, and more specifically (but not limited to) the texts, graphs, images, logos, and icons are the property of the Bank Degroof Petercam and/or those who have granted the latter a license. These elements are protected by intellectual property rights and other property rights. It is forbidden to copy, download, duplicate (wholly or partially), transfer (electronically or otherwise), modify, translate, create a link to, or make use of this Website and/or its contents for public or commercial purposes without prior written authorization from the Bank Degroof Petercam (with the understanding that the users are allowed to download and print elements from the Website for private and non-commercial usage only, provided that the contents are not modified in any way, and that all mentions of copyrights, trademarks, and all other property rights are not modified). Specifically, photos and videos of individuals cannot be copied without prior written consent from Bank Degroof Petercam.

Banque Degroof Petercam Luxembourg SA relies on Bank Degroof Petercam Belgium with registered office in Brussels for technical support regarding the Website.

The Website and the presence of Bank Degroof Petercam Luxembourg SA on social media are however managed from Luxembourg. Therefore, the present conditions of use are exclusively governed by Luxembourg law (without reference to its conflict of law), excluding any other rule of law. All disputes or differences pertaining to the above are part of the exclusive competence of the courts and tribunals of Luxembourg.
The legal representative of the Website is: Banque Degroof Petercam Luxembourg SA, company under Luxembourg law, with headquarters located in rue Eugène Ruppert 12, L-2453 Luxembourg, registered at the Luxembourg legal entities register ‘Régistre de Commerce et des Sociétés luxembourgeoises’ under the reference B25459.
Banque Degroof Petercam Luxembourg SA is a credit institution supervised by the ‘Commissson de Surveillance du Secteur Financier (CSSF)’, 283 route d’Arlon, L-1150 Luxembourg. The term “Degroof Petercam Group” refers to the group of companies comprising Bank Degroof Petercam SA, a Belgian company having its registered office in rue de l’Industrie, 44, 1040 Brussels, Belgium, and registered at the Belgian company register (LEI Brussels) under the reference VAT BE 0403.201.172 as well as to all of its branches, affiliates, and/or subsidiaries.