Please read these general terms and conditions relating to the use of this website carefully.

By accessing, visiting or using this website, you, personally and/or on behalf of the legal entity of which you are a representative, an agent or an employee when acting in such capacity, agree to be bound by the following general terms and conditions, which you expressly accept. These general terms and conditions are subject to change. If you do not agree with these general terms and conditions, please do not access, visit or make any use of this website or of the information included therein.

1. Definition and general access conditions

The term "Website" means this website as published by BNP Paribas Fortis SA/NV (see point 2. Editor, for more information), hereinafter the "Bank", and/or its related companies or companies in the group to which the bank belongs, as well as all information and materials contained on the Website.

Certain sections or pages of the Website contain separate and/or additional terms and conditions, which supplement these General Terms and Conditions. In the event of a contradiction, the separate and/or supplementary terms and conditions shall prevail over these General Terms and Conditions for those sections or pages of the Website to which they relate.

This Website also contains links to other websites published by third parties. The links to this Website may also be considered as forming part of the websites of these third parties. The Bank has not reviewed these sites and declines any liability for all information and material posted on any of the sites accessible based on the links on this Website. The establishment of a link to a third-party website or authorisation for a third-party website to include a link to this Website does not in any way indicate that the Bank endorses or recommends any products or services offered on that third-party website. Nor does the Bank issue any implied or explicit assessment as to the accuracy and/or reliability of the information to be found, directly or indirectly, on third-party websites or as to the reliability and/or integrity of third parties.

The contents of the Website may be subject to modification. Not all products and services are available in every geographic region. Your ability to access any product or service may be subject to approval by the Bank, its related companies concerned, or companies of the group to which the Bank belongs. Unless otherwise expressly provided, the information on this Website does not in any way constitute an offer or solicitation to conduct investments in any jurisdiction whatsoever. Persons accessing, visiting or using this Website must satisfy themselves that the legal restrictions in effect in their own country duly allow them to access this information; otherwise, they should refrain from accessing, visiting and/or using the Website accordingly.

2. Editor

The editor of this Website is:

BNP Paribas Fortis SA
Montagne du Parc/Warandeberg 3
1000 Brussels - Belgium 
TVA BE 0403.199.702 - RPM/RPR Brussels 

BNP Paribas Fortis SA/NV is a credit institution under Belgian law submitted to the prudential control of the Belgian National Bank and to the supervision on investor and consumer protection of the Financial Services and Markets Authority (FSMA). BNP Paribas Fortis SA/NV is recognised in capacity as insurance agent under FSMA number 25789 A and acts as intermediary for AG Insurance sa.

The supervisory authorites are:

Financial Services and Markets Authority (FSMA)
Rue du Congrès/Congresstraat 10-16
B-1000 Brussels - Belgium

The National Bank of Belgium
Boulevard de Berlaimond/Berlaimontlaan 14
B-1000 Brussels - Belgium
VAT BE 0203.201.340 - RPM/RPR Brussels

3. Contents of the Website/Material

The information and material on this Website are provided solely in order to inform people consulting it on different financial, banking, insurance or other products and/or services offered and/or distributed by the Bank.

The information and material contained on this Website are not intended to provide any personal advice in particular, including but not limited to financial, investment, tax, accounting or legal advice and not even if this information refers to financial instruments subject to a public offer. Furthermore, any offer is limited to the countries or jurisdictions expressly mentioned therein and persons from any other country or jurisdiction who have access to, visit or use the Website may not take such an offer into consideration.

4. Intellectual Property Rights

The information and material on this Website are protected by the intellectual property rights to which the Bank, its related companies, companies in the group to which the Bank belongs or third parties are entitled or which they may claim.

You may not reproduce or print this information or material except for strictly personal and non-commercial use, provided that you retain all notices referring to these intellectual property rights. 

You undertake not to distribute, reproduce or sell this information or material in any form or by any means without the prior formal written consent of the Bank.

5. Privacy

Reference is made to the Privacy Policy and the Cookies Policy available on this Website (Belgian Act of 8 December 1992 on the right to privacy and the processing of personal data).

These Policies apply identically to the Bank's processing and retention of personal data as supplied by the user in connection with the instant chat service (declared first name and/or last name and content of the chat session).

6. Confidentiality

All information and material transmitted to the Bank through this Website shall be processed in compliance with the legal and regulatory provisions applicable in this regard.

7. Applicable Law and Jurisdiction

Access to, the visiting and the use of this Website, together with these General Terms and Conditions, are subject to and shall be interpreted and construed in accordance with Belgian law. Except when the law expressly specifies the competent judge, all claims may be brought before:

  • the competent judge for the domicile of the defendant or one of the defendants;
  • the competent judge for the district in which one or more of the commitments forming part of the dispute have been contracted or in which they have been, are being or must be fulfilled; 
  • the competent judge for the district in which the process server has spoken to the defendant if the latter or, if applicable, one of the defendants is domiciled in Belgium or abroad.

8. Severability and Changes

If certain provisions of these General Terms and Conditions are held to be inapplicable, the remaining provisions shall be deemed to be unimpaired and the inapplicable provision(s) shall be replaced by an applicable provision, the purport of which shall be as close as possible to that of the provision held to be inapplicable. This Agreement shall form an integral part of any other agreements you have entered into or shall enter into with the Bank, one of its related companies or companies in the group to which the bank belongs.

The Bank shall be entitled to amend these General Terms and Conditions at any time, with immediate effect and without prior notice.

9. Liability of Third Parties

Any illicit or prohibited use of this Website, amongst others by causing damages to any software used and data provided for, by means of viruses, destruction and/or data manipulation, gives rise to civil and criminal liability.

In case the bank would, even temporarily, not invoke or enforce these or any other rights emanating from the current General Terms and Conditions and/or having regard to the use of this Website, such lack of action on behalf of the bank shall by no means be considered as or have as consequence the desisting from or the fact to have renounced any right or claim whatsoever.