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Conditions of use of the website and social media,

and legal provisions

By accessing, visiting, or making use of this website, you accept the present “Terms and Conditions of Use of the Website” (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 periodically.

We, as editor of the website

These Conditions of Use pertain exclusively to the generic website of Bank Degroof Petercam SA/NV (hereinafter referred to as “Bank Degroof Petercam”), available at the address degroofpetercam.com (hereinafter referred to as the "Website”)  
Insofar as this website aims to gather the different members and activities of the group, you will be redirected towards the other websites of the Degroof Petercamgroup, to which a different legal framework, and therefore different terms and conditions, are applicable.
Different terms and 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.

You, as a website user

The contents of the Website of the Bank Degroof Petercam are primarily aimed at the Belgian market, where the parent company of the Degroof Petercam group 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.

Provided information

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.


Recommendations for the user
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.


Information provided via the Website
The information cannot be construed as a promotion for investments or financial services, such as advice or managing services, be it on the Belgian market or any other market. Neither the Website nor its contents can be construed to constitute, in whole or in part, as an advice or recommendation to invest, or an invitation, offeror solicitation to buy, subscribe to, sell, or reimburse any financial instrument whatsoever.
This information may under no circumstances be assumed to constitute legal, fiscal, or any other advice. The information or opinions contained within this Website do not take into account the financial expertise and knowledge, investment goals, financial situations, or specific demands of the Website user. As the user of the Website you should seek professional, specific, individual, and adequate advice before making any investment-related decision, especially regarding applicable fiscal and legal regimes.
Past performances cannot be considered as indications or guarantees for future performance, and no guarantees, be it explicit or tacit, are given regarding any future performances. The opinions and/or estimates reflect judgment on the publication date and may be changed without notification.


Information provided via social media
Petercam’s communication via social media cannot be construed as promotion for investments or financial services, such as advice or managing services, be it on the Belgian market or any other market. The comments, data, documents, and other information shared via social media are provided for information purposes only and cannot be construed to constitute, be it wholly or partially, investment advice or recommendation or an invitation, offer, or solicitation to buy, subscribe to, sell, or reimburse any financial instrument whatsoever.
For legal and “compliance” reasons, the Bank Degroof Petercam (and any other entity of the Degroof Petercam group) makes no comment on social media regarding individual performances of portfolios or financial instruments. For all individual information and/or personalized offers or recommendations, please contact the relevant department at 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.

Disclaimers


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.

Changes
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.


Use of the Website
The Bank Degroof Petercam denies all responsibility for any technical incident which may occur (for whatever reason) during the use of this Website (such as a bug or the inability of the user terminal to retrieve information).
The Website may contain links to other websites which are controlled or made available by third parties. The Bank Degroof Petercam has not verified the contents of these websites and does not offer any guarantees regarding the information and data available on these websites. By providing a link to other websites, the Bank Degroof Petercam as well as all other entities of the Degroof Petercam group do not accept or assume any responsibility for the information, data, products, and/or services available or offered on these third-party websites.
This Website allows you to receive e-mails from the Degroof Petercam group. Insofar as these messages are sent via internet, more specifically a public network which the Degroof Petercam group does not control in any way, these messages may be intercepted, modified, or lost. In this respect, the Degroof Petercam group does not accept any responsibility.


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. The service conditions, the usage agreement, the usage rules, and other rules and conditions of the social media in question complete the aforementioned, specifically as pertains to the conditions for opening, using, and closing a social media account. 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.

Intellectual property

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 licence. 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 the Bank Degroof Petercam SA.

Legal provisions

The Website and the presence of the Bank Degroof Petercam on social media are managed from Belgium. Therefore, the present general conditions are exclusively governed by Belgian law (without reference to its conflict of law), excluding any other rule of law. All disputes or difference pertaining to the above are part of the exclusive competence of the courts and tribunals of Brussels.
The legal representative of the Website is:
Bank Degroof Petercam SA, company under Belgian law, with headquarters located in rue de l’Industrie 44, 1040 Brussels, Belgium, registered under the reference TVA BE 0403.212.172 (RPM Brussels).
The Bank Degroof Petercam is a credit institution, authorized by the National Bank of Belgium (NBB), 14 boulevard Berlaimont, B-1000 Brussels and is supervised by the Financial Services and Markets Authority (FSMA), 12-14 rue du Congrès, B-1000 Brussels.
The term “Degroof Petercam Group” refers to the group of companies comprising the Bank Degroof Petercam and all of its branches, affiliates, and/or subsidiaries.
© 2015 Bank Degroof Petercam