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Terms and conditions for the use of Keytrade Bank's websites

Any person accessing the website ('website' or 'site' is understood to mean the public site and the transaction site) of Keytrade Bank (hereinafter the 'user') is presumed to have accepted these terms and conditions for the use of Keytrade Bank site.

1. Utilisation rights and obligations

The information disseminated and the tools offered on the site may only be used by users for personal purposes, in a normal and reasonable manner, and exclusively for the purposes for which the information is made available.

2. Property rights, notably intellectual property rights

Each user of the site acknowledges that the information, images and data published on the site in any form whatsoever are and shall remain the property of Keytrade Bank and/or its suppliers and undertakes not to publish, disseminate, use, transform, alter, or reproduce them, in full or in part, in any manner whatsoever and in any form whatsoever, without the prior express written consent of Keytrade Bank. This stipulation covers the content of the site and its components, as well as its form, presentation, structure and general 'look and feel'.

The brands, appellations and logos, whether or not registered, present on the site are the exclusive property of Keytrade Bank or other companies and cannot be used or reproduced.

No element of this site may be interpreted as being an assignment of property rights, notably intellectual property rights, to the site's user.

2.1 Font

OpenSans-Light.ttf: Digitized data copyright 2010-2011, Google Corporation.
OpenSans-LightItalic.ttf: Digitized data copyright 2010-2011, Google Corporation.
OpenSans-Regular.ttf: Digitized data copyright 2010-2011, Google Corporation.
OpenSans-Italic.ttf: Digitized data copyright 2010-2011, Google Corporation.
OpenSans-SemiBold.ttf: Digitized data copyright 2011, Google Corporation.
OpenSans-SemiBoldItalic.ttf: Digitized data copyright 2010-2011, Google Corporation.
OpenSans-Bold.ttf: Digitized data copyright 2010-2011, Google Corporation.
OpenSans-BoldItalic.ttf: Digitized data copyright 2010-2011, Google Corporation.
OpenSans-ExtraBold.ttf: Digitized data copyright 2011, Google Corporation.
OpenSans-ExtraBoldItalic.ttf: Digitized data copyright 2010-2011, Google Corporation.
Licensed under the Apache License, Version 2.0 (the "License"); you may not use this file except in compliance with the License.
You may obtain a copy of the License at Read license
Unless required by applicable law or agreed to in writing, software distributed under the License is distributed on an "AS IS" BASIS,
WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied. See the License for the specific language governing permissions and
limitations under the License.

3. Liability

Keytrade Bank makes available to the user, within the limits of these terms and conditions of use, its website, its functions and the information contained therein. The user is aware of the fact that most of the information, data, tools and functions on the Keytrade Bank site are only accessible to clients of Keytrade Bank who have entered into a banking relationship with Keytrade Bank and may access these functions and information via confidential and personal codes provided to them by Keytrade Bank. The general terms and conditions of Keytrade Bank and/or other specific contracts concluded by Keytrade Bank with its clients shall prevail over these terms and conditions of use.

Keytrade Bank may decide at any time to modify its site or the functions, tools and information available on its site and cannot incur any liability vis-à-vis the site's users as a result of these changes. Keytrade Bank does not undertake in any way to maintain the products and services available on its site and may decide at any time to remove or modify the products and services contained on its website, without incurring any liability vis-à-vis the site's users. The site and its components cannot be considered as an offer of products or services from Keytrade Bank or as a means to sell or purchase banking, financial, insurance or other products or services. This site is merely intended to provide information to users, and Keytrade Bank is free to modify it at any time. Keytrade Bank is also free to decide at any time to block or suspend access to its site, for any reason whatsoever, or to close its site.

All of the information published or disseminated on the site, except for UCITs, is provided on a purely informational basis to the persons who consult it. This information is published without any undertaking concerning its exhaustiveness, accuracy and timeliness and without guarantees of any type, whether express or implicit. A portion of this information comes from third parties, which Keytrade Bank considers reliable sources. The user is exclusively responsible for any use of the site or of the information contained on the site unless it would be misleading, incorrect or inconsistent. Nothing on the site is intended to replace the user's personal and informed analysis or his technical and professional knowledge. The information disseminated on the site does not constitute any legal, accounting, fiscal, investment or management advice. This clause shall be without prejudice to mandatory legal provisions that make Keytrade Bank responsible for the information posted on its website, in particular with regard to financial instruments and bank or financial products or services. The dissemination of information about UCITs constitutes a public offer and engages Keytrade Bank.

Keytrade Bank waives all liability and does not offer any guarantee in case of interruption or improper functioning of its site. Keytrade Bank also waives any liability for direct or indirect damages that users could incur following access to or use of its website, notably in case of damages caused to their computer or IT systems by viruses that, despite the various protective measures implemented, could not be detected or avoided.

Keytrade Bank does not have any control over and waives all liability for third-party websites to which the user may have access via any hyperlinks found on its website, or for the content and information contained on these sites or for compliance with applicable regulations by these other sites. Keytrade Bank provides these hyperlinks solely for the convenience of the users and has not checked, tested or verified the information or software programs found on these sites. The possibility to surf via hyperlinks to other websites cannot under any circumstances be construed as a type of advice or as an approval by Keytrade Bank of information found on this site. The user uses these hyperlinks at his own risk and Keytrade Bank therefore cannot be held liable for any damages that could result from the use of these hyperlinks. Any hyperlinks to the Keytrade Bank site or to a page or a portion of the site can only be inserted on a third-party's site with the prior express written consent of Keytrade Bank.

In addition, Keytrade Bank cannot be held liable for the hyperlinks created on third-parties' sites.

4. Privacy

Users of the site and clients are informed that the entity responsible for processing information of a personal nature is Keytrade Bank, Belgian branch of Arkéa Direct Bank SA (France), having its registered office at Vorstlaan-Boulevard du Souverain 100, B-1170 Brussels. For any question concerning the processing, users and clients may send an email to the following address:

4.1. Information gathered from the site's users

Keytrade Bank may, as the case may be, process the information gathered from the site's users during a visit to the site in accordance with the Belgian law of 8 December 1992 concerning the protection of personal information. The processing will be carried out for the purposes of managing services for which the user has introduced his personal information or for the purposes of advertising or marketing. The information will not be transmitted to third parties. It is pointed out that the user is entitled to refuse the use of his information for direct marketing purposes, in accordance with the formalities set out in those areas of the site where information that may be processed for direct marketing purposes is gathered. Users may ask to consult the information concerning them and obtain rectification of inaccurate information and also refuse the use of their information for purposes of direct marketing by sending an email to the following address:

4.2. Information gathered from clients

Information regarding the collection and processing of client data are mentioned in the article Privacy of the General Terms and Conditions of Keytrade Bank, specifying in particular the rights available to clients in this regard. Clients are invited to consult this article.

4.3. Security

Find out more

4.4. Use of cookies

Cookies are small data files that most websites place on your hard drive in order to recognise you when you come back to visit the site. Keytrade Bank's site also uses cookies in order to identify you easily when you visit it. These cookies contain certain types of information regarding your most recent visit to the site, such as the language selected. As you are immediately identified, this makes it possible to personalise your visit to the site and limit the time that you spend online. This information stored using cookies is also processed by Keytrade Bank in order to compile statistics on visits to the site and in order to improve the site. The processing happens in accordance with the rules applicable to the processing of data of personal nature. If you do not want these cookies to be placed on your hard drive, you can adjust your browser such that cookies cannot access your hard drive. Keytrade Bank does not, however, guarantee that in such a case the website will function correctly. However, you may also delete the cookies that have been registered on your hard drive after each visit to the site. Find out more about cookies and how to manage them

5. Modification of these conditions of use, competence and governing law

Keytrade Bank may modify these conditions of use at any time. The conditions of use applicable to any use of the Keytrade Bank site are those available and published on the Keytrade Bank site on the day of the site's consultation. The nullity or invalidity of a provision in these conditions of use shall not affect the validity of the other provisions of these conditions.

These conditions of use are governed by Belgian law. In the event of a dispute, the courts of Brussels (and, notably, the 'justice de paix/vrederechter' of the legal district of Keytrade Bank's registered office) shall have sole jurisdiction.

Keytrade Bank, Belgian branch of Arkéa Direct Bank SA (France) is established at Boulevard du Souverain 100, 1170 Brussels. Arkea Direct Bank is a credit institution regulated by the French financial supervision authority (Autorité de contrôle prudentiel et de résolution – "ACPR", and by the Belgian financial supervision authorities (Banque Nationale de Belgique (“BNB”, and Financial Services Market Authority (“FSMA”, as a credit institution established under the law of another Member State of the European Economic Area with a branch registered in Belgium.

Registered office:
Keytrade Bank, Belgian branch of Arkéa Direct Bank SA (France)
Vorstlaan-Boulevard de Souverain 100
B-1170 Brussels
RLP Brussels
VAT: BE 0879 257 191
Insurance Intermediary authorized to carry on activities in Belgium (ORIAS 07 008 441)
Tel: +32 2 679 90 00
Fax: +32 2 679 90 01