You are connected to www.banquehavilland.com website (hereinafter the "Website") owned by BANQUE HAVILLAND S.A..

BANQUE HAVILLAND S.A.
35a, avenue J.F. Kennedy
L-1855 Luxembourg
t. +352 463 131
e. info@banquehavilland.com

Banque Havilland S.A. (hereinafter the "Bank") is a public limited company governed by Luxembourg law registered with the Luxembourg Company and Trade Register under number B 147029
VAT registration number: LU23366742, BIC (Bank Identifier Code):HAVL LU LL.

Authorised by the Ministry of Finance of the Luxembourg government as a banking establishment under number 30/90.
And subject to the supervision of the Luxembourg financial regulator CSSF 110, route d’Arlon L-2991 Luxembourg.
Telephone: (+352) 26 25 1-1, Fax: (+352) 26 25 1-601, www.cssf.lu.

PURPOSE OF THE WEBSITE
This Website aims to present the Bank, its branches or subsidiaries, or representative offices (together with the Bank, the “Banque Havilland Group”), their activities and the different types of products and services they offer. Persons located in jurisdictions where (for reasons of nationality, place of residence or other reasons) the publication or availability of the Website and the information it contains is prohibited or restricted, are entitled to access only to the extent of the law applicable to them.

ACCESS AND USE OF THE WEBSITE
This Website is designed to provide information for the Banque Havilland Group’s clients and persons who are not clients of the Banque Havilland Group. However, products and services presented on this Website are strictly reserved for clients holding an account with the Bank and having accepted the terms and conditions of services available via this Website by signing an agreement to this effect. The Bank’s fee schedule applies to these services.

WEBSITE CONTENT
The information published on this Website shall be considered as "commercial communication" within the meaning of the law of 14 August 2000 on electronic commerce. By accessing this Website, all users accept in advance any communication of a commercial nature that they receive from the Bank via this website or by electronic mail.

Data and information on this Website is provided by the Bank for informational purposes only. Nothing contained in this Website constitutes an offer to buy nor a solicitation to sell, nor is it investment advice by the Bank and is not legally nor contractually binding.

The fact that the Bank makes data and services of this Website available to the user does not mean that these services and information and products described on this Website are appropriate or adapted to the user.

The Bank reserves the right to change the content of the Website or restrict its access whenever it deems suitable.

LINKS TO THIRD-PARTY RESOURCES
Third-party resources that can be accessed with hypertext links from this Website are not under the control of the Bank, and the Bank is not responsible for the contents of any of these third-party resources. The third-party hypertext links presented on this Website are provided for your convenience only. The inclusion of any link on this Website does not imply any recommendation, approval or endorsement of that Website by the Bank.

PERSONAL DATA

Users of this Website are informed that their personal data may be used by the Bank and automatically processed. Users are also informed that by accessing this Website their personal data may be temporarily stored in the memory or registered on their own computer for purposes of facilitating navigation on the website (cookies).

Users are entitled to use their access rights to correct all relevant personal data in accordance with any applicable laws and regulations on data protection.

GUARANTEE DEPOSIT SCHEME
Basic information about the protection of deposits

Banque Havilland S.A. (the “Bank”) has adhered to the deposit guarantee scheme of the Fonds de garantie des dépôts Luxembourg (FGDL) which regroups all Luxembourg credit institutions (please refer to contact details below).

Limit of protection:
EUR 100.000 per depositor per credit institution.

If you have several deposits with the Bank, all your deposits with the same credit institution are «aggregated» and the total is subject to the limit of EUR 100.000.

If you have a joint account with other person(s):
The limit of EUR 100.000 applies to each depositor separately.

Reimbursement period in case of the Bank’s bankruptcy:

  • 7 working days

Currency of reimbursement: Euro (EUR).

Additional information
Scheme responsible for the protection of your deposit

General limit of protection:

If a deposit is unavailable because a credit institution is unable to meet its financial obligations, depositors are repaid by a deposit guarantee scheme. This repayment covers a maximum of EUR 100.000 per credit institution. This means that all deposits with the same credit institution are added up in order to determine the coverage level. If, for instance, a depositor holds a savings account with EUR 90.000 and a current account with EUR 20.000, the client will only be repaid EUR 100.000.

In some cases as defined by article 171, paragraph 2 of the Law of 18 December, 2015 on the recovery and resolution of credit institutions and investment firms, deposits may be protected up to a maximum of EUR 2.500.000.

Limit of protection for joint accounts:

In case of joint accounts, the limit of EUR 100.000 applies to each depositor. However, deposits in an account to which two or more persons are entitled as members of a business partnership, without legal personality, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of EUR 100.000.

Reimbursement:

The Fonds de garantie des dépôts Luxembourg (FGDL) is responsible for the said deposit guarantee scheme, (please refer to contact details below).

The FGDL will repay your deposits (up to a maximal amount of EUR 100.000) within a maximum period of 7 working days.

If you have not been repaid within these deadlines, please contact with the FGDL since the time to claim reimbursement may be barred after a certain time limit.

Other important information
In general, all depositors, whether private individuals or companies, are covered by the deposit guarantee scheme. Exceptions for certain deposits are stated on the website of the Fonds de garantie des dépôts Luxembourg (FGDL). The Bank will also inform you on request whether certain products are covered or not. If deposits are covered, the Bank shall also confirm this on the statement of account.

Contact:

Fonds de garantie des dépôts Luxembourg (FGDL)
283, route d’Arlon, L-1150 Luxembourg
Postal address: L-2860 Luxembourg
Tel. (+352) 26 25 1-1
Fax (+352) 26 25 1-2601
info@fgdl.lu
Further information can be found at: www.fgdl.lu.

Banque Havilland (Monaco) S.A.M., a subsidiary of Banque Havilland S.A., with registered office at Le Monte Carlo Palace, 3-7, Boulevard des Moulins, MC-98000 Monaco, is a credit institution regulated by the French regulator, Autorité de Contrôle Prudentiel et de Résolution, 61, rue Taibout 75436 Paris Cedex 09 and the local regulator, Commission de Contrôle des Activités Financières 4, rue des Iris BP540 98015 Monaco Cedex (www.ccaf.mc).

Banque Havilland (Monaco) S.A.M. is also a member of a deposit guarantee scheme, the Fonds de garantie des dépôts et de Résolution (FGDR). Upon request, Banque Havilland (Monaco) S.A.M. can provide its clients with any further information on the deposit guarantee scheme. In addition, further information can be found on www.garantiedesdepots.fr.

Banque Havilland (Suisse) S.A. a subsidiary of Banque Havilland S.A., is a public limited company (société anonyme) with registered office at 10, rue de Hollande, CP 5760, 1211 Geneva 11, Switzerland, registered with the Geneva Trade and Companies’ Registry under number CHE-101.069.319, authorised by the Federal Financial Market Supervisory Authority (FINMA).

Banque Havilland (Suisse) S.A. – Zurich branch, operates as a branch of Banque Havilland (Suisse) S.A., with registered office at Bellariastrasse 23, 8027 Zürich, Switzerland, registered with the Zurich Trade and Companies’ Registry under number CHE-305.198.419.

Banque Havilland (Suisse) S.A. is a member of the depositor protection scheme of esisuisse with registered office at Steinentorstrasse 11, CH-4051 Basel. In Switzerland, cash deposits up to CHF 100,000 by Client are treated in a privileged way (i.e. paid out immediately from available liquidity of the defaulting bank); if the liquidity does not allow to pay entirely the privileged cash deposits, the depositor protection scheme will cover the difference up to globally CHF 6 billion. Upon request Banque Havilland (Suisse) S.A. will provide you with further information on the deposit guarantee scheme; additional information are also available on: www.esisuisse.ch.

Banque Havilland (Suisse) S.A. is subject to prudential supervision by the Federal Financial Market Supervisory Authority (FINMA) having its registered office at Laupenstrasse 27, CHH 3003 Bern.

INVESTMENT GUARANTEE SCHEME

The Bank has also adhered to the investment guarantee scheme of the Système d’indemnisation des investisseurs Luxembourg (SIIL) which protects securities deposited on accounts up to an amount of EUR 20,000.

The SIIL protects investors by guaranteeing the reimbursement of their claims arising out of investment transactions up to the amount of EUR 20,000 (investor compensation) in case the Bank is unable to refund the investors with the funds owed to the client or owned by the latter and held on his/her behalf by the Bank within the context of investment transactions or in case the Bank is unable to return to the client financial instruments owned by the client but held, administered or managed by the Bank.

As any client retains the ownership of the financial instruments held by him/her with the Bank, such financial in­struments will not form part of the estate of the Bank and can thus be claimed directly by the client.

The investor compensation covers natural persons and com­panies governed by Luxembourg law or by the law of another member state of the European Union whose size is such that they are authorized to establish an abridged balanced sheet pursuant to the law of December 19, 2002, concerning the trade and companies’ register and the accountability and an­nual accounts of companies, as well as those of comparable size governed by the law of another member state of the European Union.

No claim in respect of a single amount is eligible for double compensation under both the FGDL and the SIIL.

The Bank is authorised to disclose any information and documentation required by both the FGDL and the SIIL or to any of their authorised agents.

APPLICABLE LAW AND COMPETENT JURISDICTIONS
This Website is governed by the laws of the Grand Duchy of Luxembourg, in particular the law of 14 August, 2000 on electronic commerce.

Any dispute or litigation with respect to this Website shall be submitted to the exclusive jurisdiction of the District court in and of the Grand Duchy of Luxembourg. Complaints may also be lodged with the CSSF.

Any access to this Website shall be considered to have taken place at the head office of the Bank at the date and time shown on the Bank’s server, with the connections log serving as proof of these.

COPYRIGHT NOTICE
© 2009-2010 Banque Havilland S.A. All rights reserved.

The Bank is the copyright owner of all of the works displayed on this Website, including without limitation, the images, texts, iconographic illustrations, and documents that are displayed and/or may be downloaded from this Website as well as the software embedded in this Website.

The reproduction of any part of the Website by any means is strictly forbidden without the prior written consent of the Bank.

The downloading of any information or software displayed on or provided by the Website does not entitle you to become the copyright owner of such information or software or to use such information or software beyond the purposes for which it was displayed or provided and you must not reproduce, forward, adapt, modify or use any information or software obtained from the Website for commercial purposes, or create links to this Website without the prior written consent of the Bank.

The name "Banque Havilland" as well as its logo are trade marks of the Bank. The reproduction, adaption, use or modification of these trade marks by any means is strictly forbidden without the prior written consent of the Bank.
 

Pillar III Disclosure Report

CAPITAL REQUIREMENTS DIRECTIVE
The purpose of the Pillar III Disclosure Report, produced annually, is to fulfill regulatory disclosure requirements based on the “Basel II” rules, implemented in the European Union (EU) by the directives 2006/48/EC and 2006/49/EC (commonly known as “Capital Requirement Directives” or “CRD”).

Details are available on demand. Please contact us using the “contact” page.
 

Complaints Procedure

We endeavour to conduct business in a manner that avoids client complaints, but in certain cases, client complaints may occur.

A complaint is an expression of dissatisfaction with a product or service provided by Banque Havilland S.A..

You can lodge a complaint in writing by post addressed to the Compliance Department:

Banque Havilland S.A.
35a avenue J.F. Kennedy
L-1855 Luxembourg

The communication must:

  • clearly indicate that it is a complaint
  • include the customer's contact details; and
  • include a brief description of the reason for the complaint.

A written acknowledgment will be sent to the complainant within 10 days of receipt.

Banque Havilland S.A. undertakes to ensure that complaints will be answered within a month from the date the complaint was sent. However, if this timeframe cannot be met, Banque Havilland S.A. will inform the complainant of the reasons for the delay and give an indication as to when the complaint is expected to be resolved.

In the event that the response provided is not satisfactory to the client, the complaint and the response provided to the client may be referred to the authorised manager of Banque Havilland S.A .in charge of the management of the complaint treatment.

If you are still not satisfied with the solution or response given after escalation to the authorised manager in charge of the management of complaint treatment, you can file a request for an out-of-court complaint settlement, in accordance with the provisions of regulation no. 16-07 issued by the Luxembourg financial regulator, the CSSF.

Commission de Surveillance du Secteur Financier
Département Juridique CC
283, route d’Arlon
L-2991 Luxembourg
Email : reclamation@cssf.lu
Fax : +352 – 26 25 1 -2601
http://www.cssf.lu/consommateur/reclamations/
 

COOKIES POLICY

Disclaimer

The Cookies Policy may be subject to changes from time to time, in accordance with the relevant legal provisions, under Luxembourg’s law and jurisdiction.

What are cookies? What are they used for?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating web domain on your subsequent visits to that domain. Most web pages contain elements from multiple web domains so when you visit www.banquehavilland.com your browser may receive cookies from several sources.

Cookies are useful because they allow a website to recognise a user’s device. Cookies allow you to navigate between pages efficiently, remember preferences and generally improve the user experience. They can also be used to tailor advertising to your interests through tracking your browsing across websites.

Moreover, some cookies are managed by Google automatically. This means that the information is sent to Google Analytics Dashboard, from the user’s usual website metrics. These will be stored anonymously and kept in the analytics account and can be further processed by Banque Havilland in order to improve the website.

For the user’s convenience, in order to obtain some complementary information, please click on the following link: https://developers.google.com/analytics/devguides/collection/analyticsjs/cookie-usage

Which type of cookies do we use?

In order to optimize the user’s experience on Banque Havilland’s website, we use persistent and session cookies. The session cookie contains information which is temporarily stored and then deleted when the session is completed or as the web browser is closed. The persistent cookie, to the contrary of the session cookies are not deleted once the session is closed. They allow the website to “remember” the user’s preferences with regard to the language choice or the most favourite opened tabs.

Among these cookies please find their description below.

Strictly necessary cookies

These cookies are essential in order to enable you to move around the website and use its features. Without these cookies, services you have asked for (such as navigating between pages) cannot be provided.

Performance cookies

We make use of analytic cookies to analyse how our visitors use our websites and to monitor website performance. This allows us to provide a high quality experience by customising our offering and quickly identifying and fixing any issues that arise. For example, we might use performance cookies to keep track of which pages are most popular, which method of linking between pages is most effective, and to determine why some pages are receiving error messages. We might also use these cookies to highlight articles or site services that we think will be of interest to you based on your usage of the website. The information collected by these cookies is not associated with your personal information by us or by our contractors.

Website functionality cookies

We make use of cookies to provide you with certain functionality. For example, to remember choices you make (such as your user name, language or the region you are in), or to recognise the platform from which you access the site, and to provide enhanced and more personal features. These cookies are not used to track your browsing on other sites.

Use of IP addresses and web logs

We may also use your IP address and browser type to help diagnose problems with our server, to administer our website and to improve the service we offer to you. An IP address is a numeric code that identifies your computer on the internet. Your IP address might also be used to gather broad demographic information.

We may perform IP lookups to determine which domain you are coming from (eg google.com) to more accurately gauge our users’ demographics.

Information from these types of cookies and technologies is not combined with any information about you from any other source and will not personally identify you.

Cookies policy does not cover third party websites

Please note that this Cookies policy does not apply to, and we are not responsible for, the privacy practices of third party websites which may be linked to or accessible through this website.

How can the user manage the cookies?

The cookies are an efficient way to optimise the user’s experience on the website. Nevertheless, they are not mandatory.

By using our website www.banquehavilland.com you consent to the use of cookies in accordance with this Cookies policy. You will have seen a pop up to this effect on your first visit to this website; although it will not usually appear on subsequent visits, you may nevertheless withdraw your consent at any time.

If you do not agree to the use of these cookies please disable them by following the instructions for your browser set out here or use the automated disabling tool where available (Please note that Banque Havilland S.A. do not bear any responsibility regarding the website and its content, which have been provided to you for demonstration purposes only).

Thus please note that in case of refusal of the cookies, some website’s features may be shown poorly and some function may not be accessible.