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Legal notice

Company name: BNP Paribas Personal Finance
Limited company (Société Anonyme) governed by French law with a share capital of €546 601 552
Listed on the Paris Trade and Companies Register under number: n° 542 097 902

Intermediary in insurance registered under the number 07 023 128 (www.orias.fr)

Registered office: 1 Boulevard Haussmann – 75009 Paris France
Phone number: +33 (0)1 46 39 99 39
Email: flavien.neuvy[a]cetelem.fr
Publication Director: Isabelle WOLFF, Head of Brand, Communication & Prospective at BNP Paribas Personal Finance
Head of Publication: Flavien Neuvy, Director of Observatoire Cetelem

BNP Paribas Personal Finance is a French financial institution and personal credit provider authorised to exercise its activities as a bank and supervised by the Autorité de Contrôle Prudentiel (ACP – 61, rue Taitbout – 75436 Paris Cedex 09) and checked by the same authority.

BNP Paribas Personal Finance exercises its activities in accordance with article L.311-1 and subsequent articles of the Monetary and Financial Code, in accordance with article L511.1 and subsequent articles of that same Code and in compliance with all applicable regulation.

BNP Paribas Personal Finance is a member of the Association Française des Sociétés Financières and the Fédération Bancaire Française.

Presentation and content of the Website

The information on ObservatoireCetelem.com is provided solely for information purposes and has no contractual force. Said information may be partial and incomplete due to the required simplified nature of the texts. The content on general matters (economic, financial, etc.) is only indicative.

BNP Paribas Personal Finance will endeavour to make sure that the information provided on the Website is correct, up-to-date and exhaustive and reserves the right to amend the content or presentation of the Website at any time and without notice. The user is solely responsible for his/her use of this information on general matters.

The purpose of the Website is not to solicit the taking out of or sale of products. Nevertheless, hypertext links may direct users to commercial websites of companies in BNP Paribas Personal Finance Group, when they are interested by the products and services offered by these companies.

Access conditions

Access to the Website is free. The user will bear the costs to access and use the telecommunications network in accordance with the terms and conditions laid down by his/her internet access providers and telecommunications operators.

BNP Paribas Personal Finance will only warrant that the Website functions without interruption or error and will not be held liable for any elements beyond its control and any damage which may be sustained by the user’s technical environment, including in particular, his/her computers, software, network equipment and any other equipment used to access the Website and/or use the information contained on said Website.

Moreover, it will not incur liability for events due to force majeure, faults and technical problems relating to the hardware, and for programmes and software or the internet network which may result from the suspension or stoppage of the service.

It is highlighted that the confidentiality of correspondence is not guaranteed on the internet network and the user is responsible for taking all appropriate measures to protect his/her own data and/or software from contamination by any viruses circulating on the internet.

Intellectual property

The Website and the content thereof are protected by intellectual property, including in particular by copyright, rights to drawings and designs, and trademark rights.

The general structure of the Website, texts, animated images or non-animated images and all elements comprising the Website are the property of BNP Paribas Personal Finance, with the exception of the company names, logos and trademarks of its partners and companies in its Group and certain elements (texts, images, etc.) which remain the property of their respective creators. All content is used by BNP Paribas Personal Finance with the right holder’s permission.

The figures, graphs and information available on the website, whether in full or in part, can be reproduced and exploited with the explicit mention of the source: “L’Observatoire Cetelem”.

Any and all exploitation, reproduction, distribution or redistribution, any and all use, whether in full or in part, of the creations, trademarks, logos and any other element comprising the Website, using any process or medium whatsoever, are prohibited and constitute infringement under intellectual property rules, in the absence of the prior express consent of the editor or the owners thereof.

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

Hypertext links

BNP Paribas Personal Finance will not incur liability for hypertext links created to other websites from the Website. The Website may contain hypertext links to other websites that are not the property of or have not been developed by BNP Paribas Personal Finance. The existence of a link on the Website to another website does not constitute approval of the content of said website. The user is consequently responsible for using this information with judgment and critical thinking.

BNP Paribas Personal Finance prohibits the creation of any hypertext link whatsoever to the content of the Website. BNP Paribas Personal Finance’s prior consent in writing is required to create any hypertext link to the Website.

Governing law

The content of the Website is governed by French law.
The user accepts the jurisdiction of the French courts for all matters relating to the content and use of the Website or recourse deriving therefrom.


Website designed, developed by E+P.

Hosted by ITS Integra, governed by French law with a share capital of €148 500. RCS : B 421633173.
Headquarters: 42 RUE DE BELLEVUE 92100 BOULOGNE-BILLANCOURT. 01 78 89 35 00