Legal information

Use of and access to this website are subject to acceptance of the terms and conditions set out in the following "Legal Information".

1/ Company information:
On this website, "Candriam" is the name used to designate Candriam Belgium. Candriam Belgium S.A. is a limited liability company with registered office at Avenue des Arts 58, 1000 Brussels, Belgium and registered with the Crossroads Bank for Enterprises under number 0462.569.739), VAT identification number BE 0462.569.739 and authorised by the Belgian Financial Services and Markets Authority to manage investment funds (UCITS and AIFs) and to provide certain MiFID-type investment services.
You can contact Candriam at the following link: https://contact.candriam.com.
The editor responsible at law for this site is Naïm Abou-Jaoudé (Avenue des Arts 58, 1000 Brussels, Belgium).

 

2/ Target groups and purpose of this website
This website, its contents, the results of automated processing, data and information made available are exclusively intended for use by private investors, i.e. individuals habitually resident in Belgium or who access this website being situated in Belgium.
The contents of this website cannot at any time substitute for readers' own research or their technical and/or business judgement based on their personal situation. In no way should the information on this website be considered to be an offer to buy or sell any financial instrument, neither should it be considered to be advice of any kind, whether legal, accounting, fiscal or other. For an offer and/or customized advice, do not hesitate to contact the institutions dealing with financial services concerning our products.
Neither the information nor the results supplied to visitors are intended to encourage the latter to undertake a particular transaction, or advise in favour of or against a particular transaction. Links to websites not controlled by Candriam are intended only as a service to the visitor and do not constitute advice, a form of advertising or a value judgement.
For any information related to the conditions under which Candriam may process your personal data and the exercise of your individual rights on your personal data please refer to section 10

 

3/ Services available on this website
This website contains both informative data and a number of interactive applications.
The interactive applications on this website are those which supply applications on or via this website which enable visitors to enter certain kinds of information and be notified of the result of their automated processing.
The results supplied to visitors are generated automatically on the basis of the data supplied by the latter. Candriam is therefore not in a position to verify data in any way.
All publications and information available on this website are for information only, whether they have been supplied by Candriam or its selected third parties. Candriam has exercised the utmost care as to the contents of the information and data supplied as well as to the results of all automated processes, and regularly updates this website. However, Candriam does not explicitly or implicitly guarantee the completeness, accuracy and current applicability of these data and applications, or of the results supplied to visitors via any automated process.

 

4/ Advertising
The current websitecomprises advertisements issued by Candriam concerning Candriam services and products. Links and other references to third parties which are not companies linked or associated with Candriam should not be considered to be advertisements for such third parties.

5/ Cookies
When you visit this website, Candriam will, in certain circumstances, automatically send cookies to your computer. These are small applications which are written on to your hard disk. They are quite harmless and intended to make the site easier for you to use. For instance, this is how your choice of country and language are recorded when you first visit the website, so that thereafter you automatically access the website in the language you selected at the time of your first visit. If you do not want these cookies written on to your hard disk, you can set your browser in such a manner that they do not gain access to your hard disk. However, in such cases, Candriam is not in a position to guarantee the correct operation of the websites under its control. You can also delete the cookies from your hard disk after each visit to the website.
Candriam will treat the information collected via these cookies in a fully confidential manner, in accordance with the applicable best practices and with the provisions of the applicable laws on privacy related to the processing of personal information.

 

6/ Viruses, Trojan horses and other malware
Candriam guarantees that all the data it includes on its website have been previously checked to ensure that they are free of all viruses and/or malicious software (e.g., malware, and Trojan horses). Candriam regularly inspects all items on the website which can be downloaded by customers to their computer systems to ensure that they are free of the virusesand/or malicious software.
Despite the high degree of caution exercised by Candriam, the swiftness of change on the Internet and on Internet applications, as well as the development of related risks means that Candriam is unable to guarantee that all information is completely free of viruses at all times.
In view of the risks of Internet use, Candriam strongly advises visitors to regularly scan all downloaded information, including that supplied by suppliers the visitor considers to be trustworthy

 

7/ Liability

7.1 Limitation of liability

This website is provided to the visitors on an “as is” basis, without any express or implied warranties. This website does not purport to be comprehensive, nor to contain all the information a private investor may desire in deciding whether or not to invest. Candriam does not give any assurance that the use of the website will be uninterrupted, error-free or faultless. Neither Candriam nor any of the entities of its group shall have any liability whatsoever for loss or damages, howsoever arising, directly or indirectly, from the use of (the information contained on) this website, save to the extent mandatory applicable law does not allow for such limitation of liability.
The information on this website is made available to the visitors in an electronic form. Visitors are reminded that information transmitted via this medium may be altered or changed during the process of electronic transmission and consequently Candriam nor any of the entities of its group accepts any liability or responsibility whatsoever in respect of any difference between the information made available to visitors in electronic format and the hard copy version.
7.2 General
Visitors are responsible for protecting their own computer and other IT equipment against viruses and other destructive or harmful issues. Their receipt of the electronic transmission is at their own risk and it is their responsibility to take precautions to ensure that it is free from viruses and other destructive or harmful issues.
Visitors must not misuse the website by introducing virus, trojan horses, worms or other malicious code or software. Visitors must not attempt to gain unauthorized access to this website, the server on which this website is stored or any server, computer or database connected with this website. They must not attack this website via a denial-of-service attack or in any other way.

 

8/ Applicable law and jurisdiction:
To the extent permitted by law, these terms and any non-contractual obligations arising out of or in connection with them and/or the use of this website shall be governed by and construed in accordance with Belgian law, it being understood that, as a consumer, you may still enjoy the protection of the mandatory provisions of the law that would be applicable in the absence of this choice-of-law clause.
To the extent permitted by law, the courts of Brussels shall have exclusive jurisdiction to settle any dispute arising out of or in connection with these terms and any non-contractual obligations arising out of or in connection with them and / or the use of this website.

 

9/ Intellectual property rights:
The contents of the Candriam website as well as the information supplied therein, such as texts, graphics, programmes, applications, trademarks and logos are protected by intellectual property rights belonging to Candriam, its partners or its suppliers. Readers/visitors to this website shall acknowledge the existence of these intellectual property rights and shall at all times refrain from any infringement or violation thereof and from any other use for which prior written consent has not been obtained from Candriam.
Unless expressly provided for in writing, Candriam does not grant readers/visitors to this website a license or other right to use any subject-matter on the Candriam website which is eligible for protection by any intellectual property rights. Readers/visitors may not reproduce, communicate to the public or make any parts of this website available to any third parties without prior written consent of Candriam.
No links whatsoever may be created from any other website to Candriam's websites and/or web pages without the express written consent of Candriam. 
This prohibition applies to all link types or techniques in which the name, address or any other element belonging to Candriam is included or displayed on another website, or which enable surfers to enter the Candriam website via this other website.
Where this website contains links to third party websites or third party contents, such links are provided for information only and Candriam cannot be deemed to have any control on the same. The inclusion of links to third party websites or third party contents cannot be interpreted as an acknowledgement, recommendation, endorsement or other form of approval of such websites or contents by Candriam.

 

10/ Website/Client Privacy Notice [Date of Issue : June 2020]
Candriam is committed to respecting the privacy of individuals, including its clients.
Candriam owns and operates the web site (https://www.candriam.be).
This Privacy Notice ("Notice") sets out the basis on which Candriam processes personal data. Please read the following carefully to understand our views and practices regarding how we handle personal data.
For the purposes of applicable data protection law (in particular, the General Data Protection Regulation (EU) 2016/679 (the "GDPR"), Candriam is the "data controller" of your personal data.

Personal Data We collect

We may collect and process the following personal data:

      • Information you give us:
        • If you are enquiring about Candriam capabilities (including where you are inquiring on behalf of your employer) then we may process your personal data - including your name, gender, address, personal or professional e-mail address and personal or professional phone number, financial information, personal description, photograph, ID documentation (including your passport or ID card), professional activity, marital status, information about you dependents or beneficiaries.
        • You or your employer may give us information about you during our due diligence of your employer , when you complete a form on our site or by corresponding with us by phone, e-mail or other electronic means, or in writing. This includes information you provide when you create an account on our site, subscribe to any of our services, search our site, make enquiries, , submit information or content to our site, when you report a problem with our site – including your name, email address, gender, postal address, telephone and fax.

      • Information we collect about you: With regard to each of your visits to our site we may automatically collect the following information:
        • technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform; and
        • information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products, services or issues you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call us.
      • Information we receive from other sources: :
        • We may also receive information about you if you use any of the other websites we operate or the other services we provide.
        • We are part of a global group of companies which manage funds and provide other financial services. Where you have requested services which involve one or more of the entities of our group, we will tell you, and we may receive relevant information from such entities for the purposes of those services.
        • We work closely with third parties (for example, banks and other financial institutions, business partners, legal or other consultants, sub-contractors in technical, analytics providers, search information providers,) and may receive information about you from them.

      • Information about other people: If you provide information to us about any person other than yourself, such as other employees of your employer, you must ensure that they understand how their information will be used, and that they have given their permission for you to disclose it to us and for you to allow us, and our outsourced service providers, to use it.

Purposes and Legal Basis for processing

We may ask you for consent to collect or process your personal data on certain occasions, for example, and as stated below, where necessary in order to contact you with information about products and services or events that might be of interest to you or your employer.

We process your personal data when we need to do this to fulfil a contract with you to verify your identity, or to otherwise provide services to you.

We process your personal data when required by law to do so, such as if we receive a request from law enforcement or other government officials.

We process your personal data when it is in our legitimate interests to do this and when these interests are not overridden by your data protection rights. We have carried out balancing tests for all the data processing we carry out on the basis of our legitimate interests, which we have described above. You can obtain information on any of our balancing tests by contacting us using the details set out later in this Notice.

In particular:

      • we use your personal data in order to effectively administer our business;
      • we use your personal data to undertake commercial and legal due diligence on our clients and investors, in order to assess their activities and condition in relation to their investments and the provision of our services;
      • we monitor use of our websites, and use your personal data to help us monitor, improve and protect our services and websites, both online and offline;
      • we monitor investor accounts to prevent, investigate and/or report fraud, terrorism, misrepresentation, security incidents or crime, in accordance with applicable law; and
      • we will use personal data in connection with legal claims, compliance, regulatory and investigative purposes as necessary (including disclosure of such information in connection with legal process or litigation).

Disclosure of Your Personal Data

We may share your personal data with the entities of our group1.

 

We may also share your personal data with trusted third parties including:

      • Legal or other advisers, consultants and other professional experts, complainants, correspondents and enquirers, and suppliers and service providers of any of the above, and each of their associated businesses;
      • Business partners, suppliers and sub-contractors only for the purposes of performance of any contract we enter into with them or you or your employer. We take reasonable steps to ensure that our staff protect your personal data, and are aware of their information security obligations; and
      • Analytics and search engine providers that assist us in the improvement and optimisation of our site.

We may disclose your personal data to third parties:

      • If we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
      • If Candriam, its business, or its assets are acquired by a third party, in which case personal data held by it about its users, suppliers, or customers will be one of the transferred assets;
      • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce agreements; or if we reasonably consider this necessary; or to protect the rights, property, or safety of Candriam, our users, our customers, or others; and
      • For the purposes of crime prevention and fraud protection.

Marketing communications

      • We, or trusted third parties on our behalf, may contact you by email or post with information about products, services and events that might be of interest to you. Where necessary, at the time that you provide your personal data to us, you will be given the opportunity to indicate whether or not you are happy for us to use your personal data in order to tell you about such products or services or events.
      • You can unsubscribe from this at any time by emailing us using the contact details provided below.

Where We Store Your Personal Data and How We Protect it

Some of the entities of our group and third parties to whom Candriam discloses your personal data (as described above) may be located in countries which are located in any country of the European Union but also countries outside EEA that do not provide a level of protection to personal data equivalent to that provided by your home country.

In order to provide adequate protection for these transfers, Candriam utilizes transfer mechanisms recognized by your home country, which may include executing appropriate contractual clauses based on and conforming to the EU model clauses. To obtain a copy of the transfer mechanism, please contact us using the details provided below.

We take reasonable steps to protect your personal data from loss or destruction.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your personal data transmitted to our site; any transmission is at your own risk. Once we have received your personal data, we will use strict procedures and security features to try to prevent unauthorised access.

Your Rights

You have various rights with respect to our use of your personal data:

      • Access: You have the right to request a copy of the personal data that we hold about you. Please note that there are exceptions to this right, so that access may be denied if, for example, making the information available to you would reveal personal data about another person, or if we are legally prevented from disclosing such information. You are entitled to see the personal data held about you. If you wish to do this, please contact us using the contact details provided below.
      • Accuracy: We aim to keep your personal data accurate, current, and complete. We encourage you to contact us using the contact details provided below to let us know if any of your personal data is not accurate or changes, so that we can keep your personal data up-to-date. You can also review and correct/ update some of your personal data by logging-in to your account on our site.
      • Objecting: In certain circumstances, you also have the right to object to processing of your personal data and to ask us to block, erase and restrict your personal data. If you would like us to stop using your personal data, please contact us using the contact details provided below.
      • Porting: You have the right to request that some of your personal data is provided to you, or to another data controller, in a commonly used, machine-readable format.
      • Complaints: If you believe that your data protection rights may have been breached, you have the right to lodge a complaint with the applicable supervisory authority or to seek a remedy through the courts.

Please note that there are exceptions to these rights, if, for example, we are under a legal obligation to continue to process your personal data.

When we ask you to supply us with personal data we will attempt to make it clear whether the personal data we are asking for must be supplied so that we can provide the products and services to you or your employer, or whether the supply of any personal data we ask for is optional.

How Long We Keep Your Personal Data

We will retain your personal data for as long as we believe it necessary or desirable to fulfil our business purposes or to comply with applicable law, audit requirements, regulatory requests or orders from competent courts.

Personal data collected will be retained pursuant to our record retention policy, and in most instances will not be retained longer than ten (10) years from the date of last use.

Changes to our Privacy Notice

Any changes we may make to our Notice in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our Policy.

Contact Details

If you wish to exercise any of your legal rights, write to us at DPO[@]candriam.com.

1List of the entities of our group are available on the following link:

https://www.candriam.be/en/private/legal-and-disclaimer/legal-information/