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Legal notice

Company name: BNP Paribas Personal Finance.
Public Limited Company with capital of: €529,548,810
Trade and Companies Register: Paris no. 542 097 902.
Registered office: 1 Boulevard Haussmann – 75009 Paris France.
Telephone number: +33 (0)1 46 39 99 39.
Email address: flavien.neuvy@cetelem.fr.
Publication Director: Sally Guilbert, Brand, Communication and Advertising Manager at BNP Paribas Personal Finance.
Editor in Chief of L’Observatoire Cetelem: Flavien Neuvy.

BNP Paribas Personal Finance is the owner of the domain name.

BNP Paribas Personal Finance is a credit institution registered in France and accredited as a bank by the Prudential Control Authority (ACP – 61, rue Taitbout – 75436 Paris Cedex 09), which also regulates the company.

BNP Paribas Personal Finance operates in accordance with the provisions of articles L. 311-1 and following of the French Monetary and Financial Code, the provisions of articles L. 511-1 and following of said Code and the applicable regulations.

BNP Paribas Personal Finance is a member of the French Association of Financial Companies and the French Banking Federation.


The contents of the website “observatoirecetelem.com” is provided for information only. Its purpose is not to encourage subscription or the sale of products. The characteristics of the products sold by the BNP Paribas Personal Finance business line’s companies, together with the legal or regulatory provisions applicable to them, are specified on these companies’ websites.

However, users may be directed by hyperlinks to the commercial websites of companies of the BNP Paribas Personal Finance Group, should they be interested in the products and services offered by these companies.


Access to the website is free of charge. The cost of accessing and using the telecommunications network must be covered by the user, in accordance with the terms set out by their internet service providers and telecommunications operators.

BNP Paribas Personal Finance cannot guarantee that the website will function uninterrupted and without error, and may not be held liable for any events beyond its control and any damage incurred by the user’s technical environment, in particular their computers, software, network hardware and any other equipment employed to access the Website and/or to use the information it contains.

Similarly, it cannot be held liable for events resulting from acts of God, for faults or technical problems affecting hardware, or for application, software or Internet issues that may lead to suspension or cessation of the service.


All figures, data, tables and information available on the website, be they full or partial, may be reproduced on condition that the following source is mentioned: “L’Observatoire Cetelem”.

Brands and logos may not be used or reproduced.

BNP Paribas is the owner of the domain name.


BNP Paribas Personal Finance may under no circumstances be held liable for hyperlinks to other sites that appear on the Website. The Website may include hyperlinks to other sites that are not the property of BNP Paribas Personal Finance or have not been developed by the latter. The existence on the Website of a link to another site in no way constitutes an endorsement of the latter’s content. It is therefore the user’s responsibility to use this information with discernment and a critical mind.

BNP Paribas Personal Finance prohibits the creation of hyperlinks to the contents of the Website. The creation of hyperlinks to the Website is subject to prior written authorisation from BNP Paribas Personal Finance.


The contents of the Website is subject to French law.

Users acknowledge that the French courts have jurisdiction when it comes to the contents and use of the Website and any legal action relating to the latter.


Website designed, produced and hosted by Cosmic Communication.

This website is hosted by TYPHON, a simplified joint-stock company with capital of: €100,100 Trade and Companies Register: B 480 288 976
Registered office: 41 rue de l’Échiquier, 75010 Paris. tech@typhon.com 01 70 616 616.