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32	<title>Legal Information - BNP Paribas USA</title>
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111<body class="wp-singular page-template-default page page-id-41536 wp-embed-responsive wp-theme-bnpp-pays-v2c site-9">
112	
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116<!-- End Google Tag Manager (noscript) -->	<ul class="skip-links skip-links--hidden" aria-label="Fast access links">
117	<li><a href="#content">Direct access to content</a></li>
118			<li><a href="#search__toggle">Direct access to Search</a></li>
119		<li><a href="#nav-primary">Direct access to Main Menu</a></li>
120		<li><a href="#nav-onlinebanking-pre">Direct access to Online Banking Menu</a></li>
121	</ul>
122<header id="header" class="header" role="banner">
123	<div class="header__pre">
124		<div class="container">
125			<div class="header__pre-item">
126				<div class="nav">		<ul class="menu social__menu">
127							<li class="menu-item">
128					<a href="https://twitter.com/BNPPamericas" title="Twitter - New window" target="_blank" rel="noopener noreferrer nofollow">
129						<svg class="icon icon-twitter social-icon" aria-hidden="true" focusable="false"><use href="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/dist/icons/social.svg#icon-twitter"></use></svg>						<span class="social__label visuallyhidden">Twitter</span>
130					</a>
131				</li>
132							<li class="menu-item">
133					<a href="https://www.linkedin.com/company/bnpparibascorporateandinstitutionalbanking/" title="Linkedin - New window" target="_blank" rel="noopener noreferrer nofollow">
134						<svg class="icon icon-linkedin social-icon" aria-hidden="true" focusable="false"><use href="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/dist/icons/social.svg#icon-linkedin"></use></svg>						<span class="social__label visuallyhidden">Linkedin</span>
135					</a>
136				</li>
137					</ul>
138	</div>			</div>
139			<div class="header__pre-item">
140				<div class="nav">
141	<ul id="group__menu" class="menu group__menu"><li id="menu-item-1472" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1472"><a target="_blank" href="https://group.bnpparibas/en/">BNP Paribas Group</a></li>
142<li id="menu-item-1989" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1989"><a href="https://usa.bnpparibas/en/bnp-paribas-in-the-world/">BNP Paribas Worldwide</a></li>
143</ul></div>
144					<nav id="nav-onlinebanking-pre" class="amenu nav" aria-label="Client Login" role="navigation">
145		<ul id="amenu-onlinebanking" class="menu amenu__onlinebanking js-amenu__onlinebanking">
146			<li class="menu-item current-menu-item menu-item-has-children">
147				<a href="#">Client Login					<svg class="icon icon-down" aria-hidden="true" focusable="false"><use href="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/dist/icons/sprite.svg#icon-down"></use></svg>				</a>
148				<div class='amenu__panel'>
149					<ul class='sub-menu amenu__sub-menu'>
150													<li class="menu-item">
151								<a href="https://globalmarkets.cib.bnpparibas/markets-360/" target="_blank">
152									<div class="onlinebanking">
153										<noscript>
154    <!-- data-location="header-logo" -->
155    <img src="https://usa.bnpparibas/app/uploads/sites/9/cache/2021/09/markets-360-v6-small/1202317357.png" class="lazyload onlinebanking__logo" alt="" />
156</noscript>
157<picture>
158    <source data-srcset="https://usa.bnpparibas/app/uploads/sites/9/cache/2021/09/markets-360-v6-small/3770080020.png, https://usa.bnpparibas/app/uploads/sites/9/cache/2021/09/markets-360-v6-small/1202317357.png 2x" srcset="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" data-crop="false" />
159
160    <img data-no-lazy="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="lazyload onlinebanking__logo" alt=""/>
161</picture>
162										<p class="visuallyhidden"></p>
163																					<p class="onlinebanking__text">Access to Markets 360, BNP Paribas&#039; in-depth analysis and thought-leading strategy and economics.​</p>
164																							<p class="visuallyhidden">New window</p>
165												<svg class="icon icon-up onlinebanking__icon" aria-hidden="true" focusable="false"><use href="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/dist/icons/sprite.svg#icon-up"></use></svg>									</div>
166								</a>
167							</li>
168														<li class="menu-item">
169								<a href="https://connexis.bnpparibas.com/" target="_blank">
170									<div class="onlinebanking">
171										<noscript>
172    <!-- data-location="header-logo" -->
173    <img src="https://usa.bnpparibas/app/uploads/sites/9/cache/2021/04/connexis/2725185933.jpg" class="lazyload onlinebanking__logo" alt="" />
174</noscript>
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177
178    <img data-no-lazy="" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="lazyload onlinebanking__logo" alt=""/>
179</picture>
180										<p class="visuallyhidden"></p>
181																					<p class="onlinebanking__text">Access your world accounts in real time for cash operations and file transfers.​</p>
182																							<p class="visuallyhidden">New window</p>
183												<svg class="icon icon-up onlinebanking__icon" aria-hidden="true" focusable="false"><use href="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/dist/icons/sprite.svg#icon-up"></use></svg>									</div>
184								</a>
185							</li>
186												</ul>
187				</div>
188			</li>
189		</ul>
190	</nav>
191				</div>
192		</div>
193	</div>
194	<div class="header__main">
195		<div class="container">
196			<div class="header__wrapper">
197				<div class="header__progressbar"></div>
198				<div class="header__top">
199					<div class="header__left">
200						<a href="https://usa.bnpparibas/en/" class="header__logo-link">
201							<div class="header__title visuallyhidden">BNP Paribas</div>
202							<img class="header__logo" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20165%2034'%3E%3C/svg%3E" width="165" height="34" alt="BNP Paribas logo" data-lazy-src="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/assets/img/static/logo-bnp.svg"/><noscript><img class="header__logo" src="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/assets/img/static/logo-bnp.svg" width="165" height="34" alt="BNP Paribas logo"/></noscript>
203						</a>
204													<span class="header__country">USA</span>
205																			<span class="header__baseline">The bank for a changing world</span>
206											</div>
207											<div class="header__right">
208							
209<nav id="nav-lang-switcher" class="amenu nav lang-switcher" aria-label="Switch language navigation" role="navigation">
210	<ul id="amenu-lang-switcher" class="menu amenu__lang-switcher js-amenu__lang-switcher">
211		<li class="menu-item current-menu-item menu-item-has-children">
212			<a href="#" role="button">
213				<span>en<span class="sr-only">English</span></span><svg class="icon icon-down" aria-hidden="true" focusable="false"><use href="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/dist/icons/sprite.svg#icon-down"></use></svg>			</a>
214			<div class='amenu__panel'>
215				<ul class='sub-menu amenu__sub-menu'>
216									</ul>
217			</div>
218		</li>
219	</ul>
220</nav>
221							<button id="search__toggle" class="search__toggle" aria-expanded="false" aria-controls="js-searchform">
222								<span class="sr-only">Search</span>
223								<svg class="icon icon-search search__icon" aria-hidden="true" focusable="false"><use href="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/dist/icons/sprite.svg#icon-search"></use></svg>								<svg class="icon icon-close search__icon" aria-hidden="true" focusable="false"><use href="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/dist/icons/sprite.svg#icon-close"></use></svg>							</button>
224							<div class="searchform" id="js-searchform"></div>
225						</div>
226									</div>
227				<nav id="nav-primary" class="amenu nav-primary header__bottom" aria-label="Main navigation" role="navigation">
228					<button id="amenu__toggle" class="amenu__toggle accessible-megamenu-toggle">
229						<span class="visuallyhidden">Menu</span>
230						<svg class="icon icon-menu" aria-hidden="true" focusable="false"><use href="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/dist/icons/sprite.svg#icon-menu"></use></svg>						<svg class="icon icon-close" aria-hidden="true" focusable="false"><use href="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/dist/icons/sprite.svg#icon-close"></use></svg>					</button>
231					<ul id="amenu-main" class="menu amenu__main">
232	<li id="menu-item-42126" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-42126"><a href="https://usa.bnpparibas/en/homepage/about-us/">About Us</a>
233<div class='amenu__panel'><ul class='sub-menu amenu__sub-menu'>
234	<li id="menu-item-42125" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-42125"><a href="https://usa.bnpparibas/en/homepage/about-us/">About Us</a>
235	<ul class='sub-menu-sub'>
236		<li id="menu-item-40723" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40723"><a href="https://usa.bnpparibas/en/homepage/about-us/the-bnp-paribas-purpose/">The BNP Paribas Purpose</a></li>
237	</ul>
238</li>
239	<li id="menu-item-40725" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-40725"><a href="https://usa.bnpparibas/en/homepage/about-us/bnp-paribas-in-the-us/">BNP Paribas in the US</a>
240	<ul class='sub-menu-sub'>
241		<li id="menu-item-40726" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40726"><a href="https://usa.bnpparibas/en/homepage/about-us/bnp-paribas-in-the-us/history-in-the-us/">History in the US</a></li>
242		<li id="menu-item-40737" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40737"><a href="https://usa.bnpparibas/en/homepage/about-us/bnp-paribas-in-the-us/locations/">Locations</a></li>
243	</ul>
244</li>
245	<li id="menu-item-40724" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40724"><a href="https://usa.bnpparibas/en/homepage/about-us/us-leadership/">US Leadership</a></li>
246</ul></div>
247</li>
248<li id="menu-item-41333" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-41333"><a href="https://usa.bnpparibas/en/homepage/our-businesses/">Our Businesses</a>
249<div class='amenu__panel'><ul class='sub-menu amenu__sub-menu'>
250	<li id="menu-item-41343" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-41343"><a href="https://usa.bnpparibas/en/homepage/our-businesses/">Our Businesses</a></li>
251	<li id="menu-item-41334" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-41334"><a href="https://usa.bnpparibas/en/homepage/our-businesses/corporate-institutional-banking/">Corporate &amp; Institutional Banking</a>
252	<ul class='sub-menu-sub'>
253		<li id="menu-item-627577" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-627577"><a href="https://usa.bnpparibas/en/homepage/our-businesses/corporate-institutional-banking/global-markets-2-2/">Global Markets</a></li>
254		<li id="menu-item-41336" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-41336"><a href="https://usa.bnpparibas/en/homepage/our-businesses/corporate-institutional-banking/global-banking/">Global Banking</a></li>
255		<li id="menu-item-41337" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-41337"><a href="https://usa.bnpparibas/en/homepage/our-businesses/corporate-institutional-banking/securities-services/">Securities Services</a></li>
256	</ul>
257</li>
258	<li id="menu-item-41338" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-41338"><a href="https://usa.bnpparibas/en/homepage/our-businesses/additional-capabilities/">Additional Capabilities</a>
259	<ul class='sub-menu-sub'>
260		<li id="menu-item-41339" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-41339"><a href="https://usa.bnpparibas/en/homepage/our-businesses/additional-capabilities/asset-management/">Asset Management</a></li>
261		<li id="menu-item-41341" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-41341"><a href="https://usa.bnpparibas/en/homepage/our-businesses/additional-capabilities/real-estate/">Real Estate</a></li>
262		<li id="menu-item-41342" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-41342"><a href="https://usa.bnpparibas/en/homepage/our-businesses/additional-capabilities/fleet-services/">Fleet Services</a></li>
263	</ul>
264</li>
265</ul></div>
266</li>
267<li id="menu-item-613176" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-613176"><a href="https://usa.bnpparibas/en/homepage/our-commitments-impact">Our Commitments</a>
268<div class='amenu__panel'><ul class='sub-menu amenu__sub-menu'>
269	<li id="menu-item-40801" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-40801"><a href="https://usa.bnpparibas/en/homepage/our-commitments-impact/">Impact</a>
270	<ul class='sub-menu-sub'>
271		<li id="menu-item-40804" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40804"><a href="https://usa.bnpparibas/en/homepage/our-commitments-impact/the-environment/">The Environment</a></li>
272		<li id="menu-item-40802" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40802"><a href="https://usa.bnpparibas/en/homepage/our-commitments-impact/our-people/">Our People</a></li>
273		<li id="menu-item-40805" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40805"><a href="https://usa.bnpparibas/en/homepage/our-commitments-impact/the-community/">The Community</a></li>
274	</ul>
275</li>
276	<li id="menu-item-40806" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40806"><a href="https://usa.bnpparibas/en/homepage/our-commitments-tennis-2/">Tennis</a></li>
277</ul></div>
278</li>
279<li id="menu-item-1453" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1453"><a href="https://usa.bnpparibas/en/homepage/news/">News</a>
280<div class='amenu__panel'><ul class='sub-menu amenu__sub-menu'>
281	<li id="menu-item-41290" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-41290"><a href="https://usa.bnpparibas/en/homepage/news/">News</a></li>
282	<li id="menu-item-41299" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-41299"><a href="https://usa.bnpparibas/en/homepage/news/media-room-press-releases/?category%5B%5D=press-release">Media room</a>
283	<ul class='sub-menu-sub'>
284		<li id="menu-item-41297" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-41297"><a href="https://usa.bnpparibas/en/homepage/news/media-room-press-releases/?category%5B%5D=press-release">Press Releases</a></li>
285		<li id="menu-item-40827" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40827"><a href="https://usa.bnpparibas/en/homepage/news/media-room-contact/">Media Contact</a></li>
286	</ul>
287</li>
288</ul></div>
289</li>
290<li id="menu-item-1461" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1461"><a href="https://usa.bnpparibas/en/homepage/join-us/">Careers</a>
291<div class='amenu__panel'><ul class='sub-menu amenu__sub-menu'>
292	<li id="menu-item-1462" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1462"><a href="https://usa.bnpparibas/en/homepage/join-us/">Join Us</a></li>
293	<li id="menu-item-41788" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-41788"><a href="https://usa.bnpparibas/en/homepage/join-us/our-values/">Our Values</a></li>
294	<li id="menu-item-40446" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40446"><a href="https://usa.bnpparibas/en/homepage/join-us/our-benefits/">Our Benefits</a></li>
295	<li id="menu-item-40445" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40445"><a href="https://usa.bnpparibas/en/homepage/join-us/our-culture/">Our Culture</a></li>
296	<li id="menu-item-40699" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40699"><a href="https://usa.bnpparibas/en/homepage/join-us/our-businesses/">Our Businesses</a></li>
297	<li id="menu-item-40443" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-40443"><a href="https://usa.bnpparibas/en/homepage/join-us/our-opportunities/">Our Opportunities</a>
298	<ul class='sub-menu-sub'>
299		<li id="menu-item-40452" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40452"><a href="https://usa.bnpparibas/en/homepage/join-us/our-opportunities/students-graduates/">Students &amp; Graduates</a></li>
300		<li id="menu-item-40451" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40451"><a href="https://usa.bnpparibas/en/homepage/join-us/our-opportunities/experienced-professionals/">Experienced Professionals</a></li>
301	</ul>
302</li>
303</ul></div>
304</li>
305<li id="menu-item-41225" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-41225"><a href="https://usa.bnpparibas/en/homepage/contact-us/">Contact us</a>
306<div class='amenu__panel'><ul class='sub-menu amenu__sub-menu'>
307	<li id="menu-item-41690" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-41690"><a href="https://usa.bnpparibas/en/homepage/contact-us/bnp-paribas-corporate-institutional-banking/">BNP Paribas Corporate &amp; Institutional Banking</a></li>
308	<li id="menu-item-41691" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-41691"><a href="https://usa.bnpparibas/en/homepage/contact-us/bnp-paribas-asset-management/">BNP Paribas Asset Management</a></li>
309</ul></div>
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311<li id="menu-item-40896" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-40896"><a href="https://usa.bnpparibas/en/homepage/you-are/">You Are</a>
312<div class='amenu__panel'><ul class='sub-menu amenu__sub-menu'>
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378			<h1 class="hero__title">Legal Information</h1>
379					</div>
380	</div>
381	<noscript><img src="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/src/img/default/default-1980-654.jpg" alt=""/></noscript><img src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" data-srcset="https://usa.bnpparibas/app/themes/bnpp-pays-v2c/src/img/default/default-1980-654.jpg" class="attachment-post-thumbnail size-post-thumbnail wp-post-image hero__img lazyload" alt="" data-location="hero-img"></div>
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383			
384<p>Welcome to the <strong>usa.bnpparibas.com</strong> website published by BNP Paribas.</p>
385
386
387
388<p><strong>Company name</strong>: BNP Paribas<br><strong>Public limited company with a capital of</strong>: 2,261,621,342 Euros<br><strong>Commercial register [RCS]</strong>: Paris n° 662 042 449<br><strong>Orias N°</strong>: 07 022 735<br><strong>E.C. identifier</strong>: FR76662042449<br><strong>Registered office</strong>: 16 boulevard des Italiens – 75009 Paris – France</p>
389
390
391
392<p><strong>Legal representative</strong>: Jean-Laurent Bonnafé, Director and Chief Executive Officer of BNP Paribas<br><strong>Publication Director</strong>: Bertrand Cizeau, BNP Paribas Head of Group Communications<br><strong>Site manager</strong>: Coralie France-Savin, BNP Paribas Group Head of Media Relations &amp; Content Management</p>
393
394
395
396<p><strong>Design</strong>: <a href="http://www.emakina.fr/" target="_blank" rel="noreferrer noopener">EMAKINA </a>&amp; <a href="http://www.axance.fr/" target="_blank" rel="noreferrer noopener">Axance</a><br><strong>Technical developments</strong>: <a href="http://www.tequilarapido.com/" target="_blank" rel="noreferrer noopener">Tequila Rapido</a> and <a href="http://beapi.fr/" target="_blank" rel="noreferrer noopener">Beapi</a><br><strong>Hosted by</strong>: <a href="http://bearstech.com/" target="_blank" rel="noreferrer noopener">Bearstech</a> &amp; CDN: <a href="http://www.level3.com/" target="_blank" rel="noreferrer noopener">Level3</a></p>
397
398
399
400<p>The publisher undertakes to comply with all laws on the establishment and the activity of a website.</p>
401
402
403
404<p>BNP Paribas kindly requests that all users read the following terms and conditions carefully. By accessing, browsing or using the website, users acknowledge that they have read, understood, and consented to the terms and conditions.</p>
405
406
407
408<h2 class="wp-block-heading">BNP Paribas draws the attention of users of its website to the following points:</h2>
409
410
411
412<p>This Legal Notice applies to the U.S. version of the BNP Paribas USA online and mobile interfaces found at usa.bnpparibas.com/en (the “Website”). By accessing the Website, the pages contained on it, and the products, services, and other information contained or described on the Website, you acknowledge that you have read, understood, and consented to the terms and conditions herein. BNP Paribas USA and its direct and/or indirect affiliates and subsidiaries (“BNP Paribas” or “us” or “we”) provides other online and mobile interfaces not covered by this Legal Notice. If you visit one of these sites, please review the posted policies of that site.</p>
413
414
415
416<h3 class="has-green-color has-text-color wp-block-heading">1 – Access to the website</h3>
417
418
419
420<p>You acknowledge that you have the skill and resources necessary to gain access to the Website and use it properly. Access to the Website is free of charge. The costs of accessing the Website are to be borne by you in accordance with the terms and conditions set by your access providers and telecommunications operators. BNP Paribas cannot be held liable for matters outside of its control or for any damage that may be caused by your technical environment, including but not limited to the computers, software programs, network equipment and any other devices used to access the Website. You are reminded that it is an offense punishable under criminal law to fraudulently access or connect to an information technology (“IT”) system, to impair or interfere with the functioning of such a system or to fraudulently enter or alter information in an IT system.</p>
421
422
423
424<h3 class="has-green-color has-text-color wp-block-heading">2 – Intellectual property</h3>
425
426
427
428<p>BNP Paribas owns or holds the rights to use all components that constitute the Website, including but not limited to the text, data, designs, graphics, photographs and other media. It is prohibited by law to reproduce, modify, or distribute the content of the Website by any means whatsoever, whether in whole or in part, without the prior written authorization of BNP Paribas. No license, express or implied, is granted to the Website visitor. The logos and trademarks that appear on the Website are the property of their respective owners, and such trademarks may not be used by any third party in any form without the prior written consent of the relevant owner.</p>
429
430
431
432<h3 class="has-green-color has-text-color wp-block-heading">
4323 – Content of the website</h3>
433
434
435
436<p>BNP Paribas endeavors to ensure the accuracy of the information disseminated on the Website and reserves the right to change the content or presentation of the Website at any time and without notice. At any time, the information on the Website may be partial and incomplete. BNP Paribas declines any direct or indirect liability related to (i) any delay, error or omission with the content of the Website, (ii) any interruption to the service or accessibility of the Website, and (iii) the accuracy or updated nature and availability of the information contained in the Website. BNP Paribas cannot be held liable for any decision made on the basis of information contained in the Website or for the use that third parties might make of it. Anyone who wishes to use one or more of the services and/or one or more of the products presented on the Website is encouraged to contact his or her local BNP Paribas branch to ascertain the contractual conditions and taxes applicable to those products and/or services. Certain individuals may be restricted access to the products and services presented on the Website. None of the products and/or services will be supplied by BNP Paribas to an individual if the law of his/her country of origin or of any other country (including the United States) that might concern that person prohibits them.</p>
437
438
439
440<h3 class="has-green-color has-text-color wp-block-heading">4 – Technical information</h3>
441
442
443
444<p>Visitors are reminded that there is no guarantee that messages transmitted on the Internet will remain confidential. The responsibility lies with the individual to take all appropriate measures to protect his or her own data and/or software programs against contamination by possible viruses or other corruptants circulating on the Internet. BNP Paribas cannot be held liable for matters outside of its control or for any damage that may be caused by the visitor’s technical environment, including but not limited to the computers, software programs, network equipment and any other devices used to gain access to the Website or to use it and/or the information it contains.</p>
445
446
447
448<h3 class="has-green-color has-text-color wp-block-heading">5 – Hypertext links</h3>
449
450
451
452<p>Clicking on hypertext links contained within the Website may automatically direct you to an unrelated, third-party website that is not hosted by BNP Paribas. Such links are provided for your convenience only. For example, to read a PDF file, visitors will need to download the latest version of the Adobe Acrobat Reader software program. This software can only be downloaded from an unrelated third-party website. Hypertext links to unrelated, third-party websites contained in the Website have not been reviewed by BNP Paribas and BNP Paribas does not make any warranties or representations regarding the content contained on such unrelated third-party websites. Third-party websites are not subject to this Legal Notice, and we recommend that you review the policies that govern the third-party websites you visit. BNP Paribas expressly declines any liability concerning the content and possible losses incurred when visiting unrelated third-party websites to which the Website leads via hypertext links. The visitor visits other sites at his or her own responsibility and risk.</p>
453
454
455
456<h3 class="has-green-color has-text-color wp-block-heading">6 – Cookies</h3>
457
458
459
460<p>Visitors are informed that when they visit the Website a cookie may be automatically installed in the visitor’s memory or hard disk, and it may be retained temporarily. A cookie is a component used to record information about the visitor’s navigation on the Website that does not enable BNP Paribas to identify the visitor. Cookies assist the Website developers in (i) understanding how often certain areas of the Website are visited, (ii) storing the visitor’s preferences when visiting the Website, including preferred language, (iii) gather statistics on general usage patterns and (iv) improve the performance of the Website. The Website may contain third-party plug-ins that may al
460so use cookies for similar purposes. BNP Paribas does not have access to any information collected via such cookies by a third-party. Visitors of the Website acknowledge that they have been informed of this practice and authorize BNP Paribas to use it. Visitors may deactivate cookies by customizing the settings contained in the device or browser being used to access the Website.</p>
461
462
463
464<h3 class="has-green-color has-text-color wp-block-heading">7 – Applicable Law</h3>
465
466
467
468<p>The content of the Website is subject to the applicable laws of the United States of America. All visitors acknowledge the competence of the courts of United States of America for everything regarding the content and use of the Website or disputes arising therefrom.</p>
469
470
471
472<p>Our Data Protection Notice is available <a href="https://usa.bnpparibas/en/bnp-paribas/regulatory-disclosure/data-protection-notice/" target="_blank" rel="noreferrer noopener">here</a>.</p>
473
474
475
476<h2 class="wp-block-heading">Business Continuity</h2>
477
478
479
480<p><br>BNP Paribas maintains a comprehensive Corporate Business Continuity Program to protect the firm and its clients against disruptions that may affect business operations. We will take reasonable measures to provide continuous business operation and services to our clients with the least possible impact in the event of a business disruption.</p>
481
482
483
484<p>The Program is comprised of three areas: Crisis Management, Business Continuity, and IT Disaster Recovery, all of which are all managed, administered and supported by a dedicated team of Business Continuity professionals. The organization is lead by a Steering Committee that is comprised of senior management representing critical areas of the firm. Key components of the program include:</p>
485
486
487
488<ul class="wp-block-list">
489<li>Structured, comprehensive Business Continuity Plans for all critical departments</li>
490
491
492
493<li>Planned and unplanned exercises of various types designed to keep the plans and procedures current (large and small scale),</li>
494
495
496
497<li>Awareness Programs for continued education and knowledge on the part of all staff,</li>
498
499
500
501<li>Formal business continuity plan reviews to ensure plans are current, requirements are met, and management is held accountable, and</li>
502
503
504
505<li>Internal and external validation by audit and regulators.</li>
506</ul>
507
508
509
510<p>Our recovery plans allow us to provide clients prompt access to their funds and account information during significant business disruptions (SBDs.) We have deployed our operations over a network of geographically diverse locations for business operations and technology operations. The physical separation of technology and business operations provides flexibility necessary to meet BNP Paribas’ Recovery Time Objectives in the event of an unexpected business interruption. Our Primary Business locations, Production and Backup Data Centers are strategically located to protect against wide-scale disruptions. Additionally, “mission-critical” departments have been split to operate from two locations concurrently to ensure transparency to the operation, and critical systems are addressed in our recovery plans and strategies.</p>
511
512
513
514<p>Our Production and Backup Data Center locations are hardened facilities equipped with redundant power and cooling systems that protect against infrastructure failures. The voice and telecommunications infrastructure has been designed to provide several layers of redundancy to ensure transparency through major failures.</p>
515
516
517
518<p>Our Business Recovery Sites are configured to support the firm’s critical business functions and to ensure continuity of business. These sites are tested on an annual basis at a minimum, and whenever changes are required.</p>
519
520
521
522<p>Our plans describe the actions BNP Paribas will take to address different kinds of SBDs — building failures, local incidents and regional disruptions. These plans are exercised, reviewed and enhanced on an ongoing basis.</p>
523
524
525
526<p>In summary, BNP Paribas maintains a comprehensive program to ensure that the firm and its clients can continue to conduct business when disruptions to normal business operations occur.</p>
527
528
529
530<p>For more information, please contact your relationship manager.</p>
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700									<span class="header__country">USA</span>
701									<span class="header__baseline">The bank for a changing world</span>
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723				Our Privacy Pratices			</div>
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726				<div class="pum-content popmake-content" tabindex="0">
727			<p>This website collects and processes personal information and other data, including cookies. For more information about our privacy practices, please see our <a href="https://cib.bnpparibas/data-protection-notice#notice_at_collection" rel="noopener" target="_blank">California Notice at Collection</a></p>
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