Legal inclusions

General terms and conditions

Contents of the website

The Dexia SA website contains publications designed to be of an exclusively informative nature. The information featured on the website is made available by Dexia SA for the sole purpose of informing you all about the business and activities of Dexia SA. This information should not be viewed as an invitation or offer by Dexia SA to invest in products, services or other financial instruments.

The price of Dexia shares is provided as information only and not for carrying out transactions. You will need to talk to your financial adviser or intermediary before embarking on any transaction. Dexia SA declines all responsibility in the event of any error, delay or interruption in adjustments made to the share price published at the Dexia website.

Dexia SA provides no guarantee of any kind, explicit or implicit, about the accuracy or completeness of the information featured on websites to which there are hyperlinks in place or to which reference or redirections is/are made at the Dexia SA website.

Dexia SA can in no way be held liable for the content of this site or for any use that may be made of it. Nor can it be liable for the content of websites to which a hyperlink exists.

 

Data Protection

The General Data Protection Regulation (GDPR) entered into force on 25 May 2018. It increases the security and confidentiality of the data of persons in EU countries and imposes new obligations on all organisations which process personal data of EU citizens.

Data protection is vital, and Dexia respects all national and European provisions in relation to the protection of personal data.

Dexia is required to collect your personal data (hereinafter called “Data”) as a data controller and, to that end, Dexia ensures the utmost transparency with regard to the processing and use of your Data, the period of its retention and the rights you have in that regard.

 

Collection and use of personal data

Your Data is collected directly from you. In certain specific cases, data is collected from sources accessible to the public, such as the web sites/pages of professional social networks. Dexia undertakes to ensure that the data collected and processed is limited to what is strictly necessary.

Dexia collects different categories of personal data, in particular:

  • identification data (e.g. name, IP address);
  • contact details (e.g. postal and email address, telephone number).
  •  

    We never process Data relating to your racial or ethnic origins, your political opinions, your religion, your philosophical convictions or union membership, your genetic data or your sex life or sexual orientation.

     

    Your Data is principally processed:

    a. to fulfil our legal and regulatory obligations;

    b. to execute a contract or to answer to your questions;

    c. to serve our legitimate interests;

    d. for recruitment purposes*.

     

    The recipients of your Data are exclusively Dexia staff members (or if necessary those of processors). Such processing may involve the communication or exchange of data among certain entities of Dexia Group, as well as our processors. This may involve processing outside the European Union (United States, India).

     

    * If you apply for a job, then additional personal data may be collected:

  • identification data (e.g. name, identity card and passport number, nationality, place and date of birth, photograph, IP address);
  • contact details (e.g. postal and email address, telephone number);
  • family situation (e.g. civil status, number of children); 
  • tax details (e.g. country of residence); 
  • information relating to your education and previous employment (e.g. level of studies, job, name of employer).
  •  

    Non-communication of personal data for commercial purposes

    Your personal data will not be disclosed to commercial or advertising companies.

    When your personal data is processed by processors (service providers), Dexia will ensure that such processors will respect the same requirements as those described in this policy.

     

    Period of data retention

    The collected data is only retained for the period necessary for completing the formalities described above, within prescription limits, and in observance of the legislative and regulatory provisions in force.

     

    Your rights

    In accordance with the GDPR, you may:

  • access all of your Data,
  • correct or update your Data,
  • request the deletion of your Data or object to the manner in which it is processed on legitimate grounds,
  • request the portability of your Data, for processing relying on your consent or on the execution of a contract,
  • request a limitation of the processing of your Data, when the accuracy of such Data is contested, or if you consider that such processing is unlawful,
  • withdraw your consent at any time (only for processing relying on your consent),
  • lodge a complaint directly with a supervisory authority, namely that of the European Union country in which you reside, your place of work or the place where the alleged breach of the regulation is claimed to have occurred (in France, the CNIL: www.cnil.fr and in Belgium, the APD: https://www.autoriteprotectiondonnees.be/ ).
  •  

    Contact us

    In order to exercise your rights, or if you have questions, you may contact us, indicating your name, forename and contact details, and providing a copy of your identity document, to the following address:

  • by email: compliance@dexia.com or
  • in writing to
  • Dexia Crédit Local - Compliance Department

    1 Passerelle des Reflets, CBX Tower, La Défense 2,

    92913 La Défense Cedex, France

     

    or

     

    Dexia SA - Compliance Department

    5 Place du Champ de Mars

    1050 Brussels, Belgium.

     

    Security

    Dexia implements all technical and organisational measures to ensure the security of the processing of personal data and its confidentiality.

    In this regard, Dexia takes all the necessary precautions, considering the nature of the data and the risks presented by its processing, to preserve the security of the data and, in particular, to prevent it from being distorted, damaged, or accessed by unauthorised third parties (physical protection of premises, authentication processes with personal and secured access via confidential identifiers and passwords, logging of connections, encryption of certain data and so on).

     

    Cookies

    The Dexia SA website uses “cookies”. These are small text files that are created by a program on the Dexia SA website server and which under certain circumstances are written to the hard disk of your PC. These “cookies” are a technical requirement for problem-free communication between your PC and the Dexia SA website. They are used to record details such as the choice of language you make when visiting the website for the first time, so that when you next visit the site, you will automatically be serviced in the language you selected on your first visit. If you do not wish these cookies to be written to your hard disk, you will need to adjust the settings in your browser to prevent them accessing your hard disk. If you do this, Dexia SA will no longer be able to guarantee the correct operation of the sites under its control. If you so wish, you may also delete the “cookies” from your hard disk after each visit to our website.
     

    Intellectual property rights

    The content of the www.dexia.com website, in particular the information, programs, brands and logos it contains are protected by intellectual property rights belonging to Dexia SA, its appointees or suppliers. Visitors to these websites must respect these intellectual property rights at all times and will refrain from infringing them in any way.