Legal Notice

 

Dexia Dexia Crédit Local

Dexia SA/NV, the parent company of the Dexia Group, is a financial company under Belgian law. The Group has been managed in orderly resolution since the end of 2011 and placed since 4 November 2014 under the direct prudential supervision of the European Central Bank within the framework of the Single Monitoring Mechanism (SSM).

Dexia Crédit Local, a wholly-owned subsidiary of Dexia SA/NV, is a credit institution under French law subject to the provisions of Articles L511-1 and following of the French Monetary and Financial Code, approved by the Autorité de Contrôle Prudentiel et de Résolution (ACPR - 4 Place de Budapest, CS 92459, 75436 Paris Cedex 09), and subject to supervision by that same authority, as well as that of the Autorité des Marchés Financiers (AMF - 17 Place de la Bourse, 75082 Paris Cedex 02), and under the prudential supervision of the European Central Bank (ECB).

Legal form and share capital: Limited Company with capital of EUR 500,000,000 Legal form and share capital: Limited Company with capital of EUR 279,213,332

Registered office
5 Place du Champ de Mars
B-1050 Brussels
Belgium


Registered office
1 Passerelle des Reflets
Tour CBX - La Défense 2
92913 La Défense Cedex
France
 

Telephone: + 32 2 213 57 00
Contact: info@dexia.com

Telephone: +33 1 58 58 77 77
Contact: info@dexia.com

RPM Brussels VAT BE 0458.548.29

RPM Brussels VAT BE 0458.548.29
RCS Nanterre 351 804 042
Intracommunity VAT No: FR 49 351 804 042
APE code: 6492 Z
ORIAS No: 07030117

Legal representative:
Mr Bart Bronselaer, Interim CEO

Legal representative:
Mr Bart Bronselaer, Interim CEO

Director of Publication: Mrs Fabienne Carlier, Director of Communication

Director of Publication: Mrs Fabienne Carlier, Director of Communication

Contact for questions of personal data protection: compliance@dexia.com

Contact for questions of personal data protection: compliance@dexia.com

Content of this website

The user of this website acknowledges having read the legal information contained therein and undertakes to respect it.

The website of Dexia SA/NV and Dexia Crédit Local (hereinafter referred to as “Dexia”) presents exclusively informative content. The data disseminated on this site are made available by Dexia for the purpose of informing you of its activities.

Dexia gives no guarantee, either explicit or implicit, as to the accuracy or completeness of the information published on the websites to which hyperlinks are established or to which this site refers.

Dexia may not under any circumstances be held liable for the content of this site or the use made of it, or for the content of websites to which a hyperlink exists.
We ask users of the website for informing us of any omissions, errors or corrections by sending an e-mail to the webmaster (webmaster@dexia.com).

The information on this website:

  • is exclusively of a general nature and does not relate to the specific situation of any natural person or legal entity,
  • is not necessarily exhaustive, and may require updates,
  • sometimes originates from external websites over which Dexia has no control and for which the Group denies all liability,
  • does not constitute a contractual agreement, or a professional or legal opinion on the part of Dexia,
  • should not be construed as an offer or invitation by Dexia to invest in products, services or other financial instruments;
  • Dexia seeks to limit the inconvenience caused by technical errors as much as possible. However, some data or information on its website may not have been created or structured in files or formats free of errors, and Dexia cannot guarantee that its service will not be interrupted or otherwise affected by such problems. Dexia denies any liability with regard to such inconvenience which may result from the use of this website or any other external website to which it links. All information relating to one or more financial instruments is provided as is, for information purposes only, even if it has been established from serious sources deemed to be reliable.

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 the personal data of citizens of the European Union. Data protection is vital, and Dexia complies with all national and European provisions relating to the protection of personal data. Dexia is required to collect your personal data (hereinafter referred to as “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 retention period and the rights you have.

Collection and use of personnel data

Your Data is collected directly from you. Personal data is used mainly for the internal management of the banking and financial relationship. They may also be used to keep the persons concerned informed of events, actions or publications, particularly of a commercial nature, within the framework of their professional activity. In certain specific cases, data are collected from sources accessible to the public such as professional websites/social network pages. Dexia undertakes to ensure that the data collected and processed are limited to what is strictly necessary. Dexia collects different categories of personal data, in particular: 

  • identifying data (e.g. name, IP address),
  • contact details (e.g. postal and e-mail address, telephone number).

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

Your data are mainly processed:

  • to fulfil our legal and regulatory obligations,
  • to execute a contract or to answer your questions,
  • to serve our legitimate interests,
  • for recruitment purposes.

The recipients of your Data are exclusively Dexia staff members (or, as the case may be, its subcontractors). Such processing may involve the communication or exchange of data among certain entities of the Dexia Group and their subcontractors. This may involve processing outside the European Union (United States, India). Within the context of a transfer to a country outside the European Union which does not offer adequate protection, rules ensuring the protection and security of personal data will be put in place prior to transfers, in accordance with legal and regulatory provisions.

In the event that you apply for a job, additional personal data may be collected: 

  • identification data (e.g. name, ID card and passport numbers, nationality, place and date of birth, photo, IP address),
  • contact details (e.g. postal and e-mail address, telephone number),
  • family situation (e.g. civil status, number of children),
  • tax data (e.g. country of residence)
  • training and employment information (e.g. education level, job, name of employer),

Non-disclosure of personal data for commercial purposes

Your personal data will not be disclosed to commercial or advertising companies. When your personal data are processed by subcontractors (service providers), Dexia will ensure that such subcontractors respect the same requirements as those described in this policy.

Security of processing 

Dexia takes the appropriate physical, technical and organisational measures to ensure the security and confidentiality of personal data, in particular with a view to protecting them against loss, accidental destruction, alteration and unauthorized access.

Period of data retention

The data collected is only retained for the time necessary for completing the formalities described above, within prescription limits, and in compliance with the legal and regulatory provisions in force.

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, i.e. that of the European Union country in which you have your habitual residence, your place of work or the place where the alleged breach of the Regulation is alleged to have been committed (the CNIL in France and the APD in Belgium).

Contact Dexia

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

Dexia SA - Compliance Department
5 Place du Champ de Mars
1050 Brussels – Belgium

Dexia Crédit Local - Compliance Department
1 Passerelle des Reflets – Tour CBX – La Défense 2
92913 La Défense Cedex – France

Security

This website implements secure client access using Drupal 8 technology. 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 necessary precautions, considering the nature of the data and the risks presented by its processing, in order to preserve the security of the data and, in particular, to prevent them from being distorted, damaged or accessed by unauthorised third parties (physical protection of premises, authentication procedures with personal and secured access via confidential identifiers and passwords, logging of connections, encryption of certain data and so on). For your security, please make sure you exit the browser or log out, if you have authenticated yourself with your personal login and password, at the end of your visit to the website, or if you are no longer physically in control of the computer. Cookies
Dexia's website uses “cookies”. These are small text files which are created by a programme on the Dexia website server and which, under certain circumstances, are saved on your computer's hard disk. These “cookies” are necessary from a technical point of view to ensure good communication by electronic means between your computer and the Dexia website. In particular, they record the language you choose during your first visit to the website, so that you will automatically be served in the language of your choice the next time you visit. If you do not want these cookies to be saved on your hard disk, you can configure your Internet browser to prevent them from accessing your hard disk. In this case, Dexia cannot guarantee the correct functioning of the websites under its control. If you wish, you can delete these “cookies” from your hard disk after each consultation of the website. 

Intellectual property rights

The content of this website, www.dexia.com, the information, programmes, brands and logos it contains are protected by the intellectual property rights of Dexia and/or Dexia Crédit Local, its representatives or suppliers. Visitors to this website must always respect these intellectual property rights and refrain from breaching the relevant legislation.

Applicable law

The content of the Dexia website is subject to Belgian law and that relating to Dexia Crédit Local to French law. All users acknowledge the competence of the Belgian (for Dexia) and French (for Dexia Crédit Local) Courts of First Instance as well as the Appeal Courts for any dispute relating to the content and use of the website.


[1] Regulation (EU) 2016/679 of the European Parliament and Council dated 27 April 2016 on data protection.

[2] In France, it is the Law No 78-17 dated 6 January 1978 on IT, files and freedoms, updated in particular by the Law No 2018-493 dated 20 June 2018. In Belgium, it s the Law dated 30 July 2018 on the protection of natural persons with regard to the processing of personal data.