Legal notices
These Terms and Conditions were last updated on July 31, 2023.
Before viewing the website any further, please read the terms and conditions of use carefully.
In using the CPR ASSET MANAGEMENT website, you thereby agree to the Terms and Conditions stated below. If you do not consent to these Terms and Conditions, do not access the website or any page thereof.
Legal disclosures regarding CPR ASSET MANAGEMENT
You are currently connected to the French website of CPR ASSET MANAGEMENT, a société anonyme (joint-stock company) with equity capital of 53,445,705 euro and registered offices located at 91-93, boulevard Pasteur, 75015 Paris, France. It is registered under number 399 392 141 of the Paris Registry of Trade and Companies. CPR ASSET MANAGEMENT has been certified as a portfolio management company by the French Financial Markets Authority (AMF) under number GP 01-056.
The website’s editor-in-chief is Alice de Bazin, Managing Director of CPR ASSET MANAGEMENT.
Solely for informational reasons
Information on the website is not meant for distribution or use by any person or entity in a country or jurisdiction where such distribution or use is against legal or regulatory provisions, or that would require that CPR ASSET MANAGEMENT comply with such countries’ registration obligations. Some products or services may not be registered or authorised in all countries or available to all clients.
Data on this website are provided for information only. No data on this website constitutes an offer or solicitation by CPR ASSET MANAGEMENT to provide advice or investment service or to buy or sell financial instruments.
Limited access
This website determines the user’s residence based where he has logged on. If the country of residence is not the country in which he has logged on, the user must select his country of residence on the website’s home page.
In any case, persons subject to restrictions banning the publication or access to information on this website are not authorised to access the information on this website and are asked to log off.
In particular, this website is not meant for the use of residents or citizens of the United States of America and “U.S. Persons”, as this expression is defined by “Regulation S” of the Securities and Exchange Commission by virtue of the U.S. Securities Act de 1933. The definition of “US Person” is provided below.
The expression “U.S. Person” is taken to mean: (a) any natural person residing in the United States of America; (b) any entity or company organised or incorporated under US laws; (c) any estate whose executor or administrator is a U.S. Person; (d) any trust of which any trustee is a “U.S. Person”; (e) any agency or branch of a non-US entity located in the United States of America; (f) any non-discretionary account (other than an estate or trust) held by a dealer or other fiduciary for the benefit or account of a U.S. Person; (g) any discretionary account (other than an estate or trust) held by a deal or other fiduciary organised, incorporated or (if an individual) residing in the United States of America; and (h) any entity or company if it is (i) organised or incorporated under the laws of a country other than the United States of America and (ii) formed by a U.S. Person mainly for the purpose of investing in securities not registered under the U.S. Securities Act of 1933, as amended, unless it is organised and incorporated and owned by accredited investors (as defined by “Rule 501(a)” of the Act of 1933, as amended) who are not natural persons, estates or trusts.
The financial products described on this website are not registered under US federal securities law or any other law applicable in the states, territories and possessions of the United States of America. Accordingly, none of these financial products may be marketed directly or indirectly in the United States (including its territories and possessions) to, or for the benefit of, residents and citizens of the United States of America and “U.S. Persons”.
This restriction also applies to residents and citizens of the United States of America and to “U.S. Persons” who may view or have access to this website during travel or stays outside of the United States of America.
Product warning
Past performances are no guarantee of future performances. An investment in a fund incurs risks, particularly the risk of loss of capital. The value of an investment is subject to market fluctuations and may therefore vary upward or downward. Accordingly, fund subscribers may lose some or all of their initially invested capital.
An investment may increase or decrease in value on the basis of market fluctuations and shifts in the exchange rate of the currency in which the product is invested when this currency is different from the investor’s currency. In the case of some exchange-traded funds, an exchange rate risk may exist between the currency of the units in which the fund-holder is invested and the currency of the index’s components.
Investing in emerging economies entails certain considerations and certain risks, such as fluctuations in currencies, lower liquidity, a less developed securities market and political and social uncertainties.
Potential investors must make themselves aware of the risks incurred from investing in the funds, particularly by referring to the “Profile and Risks” section of the product prospectus, in order to determine if such an investment is suited to them and to ensure that they understand the content of this website in full.
The amount that is reasonable to invest in a fund depends on the investor's personal situation. To determine this, the investor must take into account his personal and family situation, his personal wealth situation, and his current and future needs, as well as his risk appetite or, on the contrary, his risk adversity. Investors are also strongly urged to diversify their investments so that they will not be exposed solely to the risks of investing in the same fund.
The fund KIID and prospectus must be provided prior to any subscription. The legal documents (prospectus and Key Investor Information Document, annual report and periodic documents) are available in French on request made to CPR ASSET MANAGEMENT and on this website or the website of the AMF. Neither CPR ASSET MANAGEMENT, its advisors, nor the authors of this website may be held liable for any direct or indirect loss resulting from the use of information on this website.
Money laundering
In accordance with anti-money laundering and other regulations, identification documents are required when you make your investment.
Content of market data
The data and information on this website may be supplied by information providers by virtue of the authorisation granted either to CPR ASSET MANAGEMENT, or to the AMUNDI group, or to the CREDIT AGRICOLE group.
Lack of guarantees
The information on this website is presented “as is” on the date stated on the website. CPR ASSET MANAGEMENT offers no explicit or implicit guarantee of the accuracy, reliability or comprehensiveness of information provided on this website and expressly rejects any guarantee of the website’s aptitude for a given use. The information is based on sources that we consider to be reliable but we cannot guarantee that they are accurate, comprehensive, valid or relevant and must not be considered as such for any purpose whatsoever.
Presence of hypertext links and use of cookies
The presence of hypertext links on the website is solely for the purpose of facilitating your browsing to the websites of other companies.
CPR ASSET MANAGEMENT is not responsible for damage or losses caused by delays, defects or omissions that may exist in the services, information or other content provided on the website, whether real, alleged, indirect or punitive. CPR ASSET MANAGEMENT offers no guarantee and makes no statement regarding, and may not be held liable for, any content delivered electronically by a third party, including as regards the accuracy, purpose, quality or timeliness of the electronic content.
CPR ASSET MANAGEMENT prohibits any person from setting up such a link without its express prior consent.
Information may be temporarily saved in the computer memory or on the hard drive in the form of “cookies”. To find out more about cookies, we urge you to refer to the legal notices in the appendix. The website user hereby authorises CPR ASSET MANAGEMENT to do so solely for the purpose of facilitating the website’s browsing on the website of CPR ASSET MANAGEMENT (the pages that the user has viewed, the date and time he has done so, etc.). However, the user may refuse to have such information recorded on his computer by configuring his Internet browser. Such refusal could prevent the use of some website features.
Confidentiality and personal data
When navigating this website, Internet users may notify to CPR Asset Management not only the technical and browsing information cited in the Cookies policy, such as the type of browser, the IP address, the pages visited and the average time spent necessary for the administration of the Website, but also data of a personal character, necessary for the implementation of the services offered on this Website.
Personal data so collected may form the object of processing, pursuant to the Loi relative à l’informatique aux fichiers et aux libertés [French data protection act] of 6 January 1978 and the Règlement général sur la protection des données [General regulations on data protection] “RGPD” of 27 April 2016, under the conditions mentioned in each collection medium for the offered services.
CPR Asset Management undertakes to retain data of a personal character for the duration necessary to the service for which they have been collected, a note of which appears on each data collection form.
CPR Asset Management shall keep all personal information provided by Internet users via the Website confidential and this in accordance with laws and regulations currently in effect.
Data of a personal character so collected may be notified to subcontractors within the context of the operation of the Website or the execution of the subscribed service. They may also be transferred to a third party within the context of a legitimate ground, such as for the execution of a legal or regulatory obligation.
Internet users shall enjoy a right of access, rectification or objection to the date of a personal character concerning them. In the same way, Internet users may withdraw their consent to the subscribed service at any time. In order to assert this right, the Internet user should contact the website manager via e-mail to dpo@amundi.com or by letter to the following address: CPR Asset Management – BSC / SEC / PCA – 91-93, boulevard Pasteur – 75730 PARIS Cedex 15.
Information may also be obtained from the Personal Data Manager of the Amundi group via e-mail address to dpo@amundi.com or register a complaint with the Supervisory Authority via letter to the Commission Nationale de l’Informatique et des Libertés (CNIL) [French National Data Protection Commission], at 3, Place de Fontenoy –TSA 80715 – 75334 Paris Cedex 07 or directly via its website: www.cnil.fr.
Security
Users of this website expressly acknowledge that the Internet is not a secure means of communications and that they use it at their own risks.
Neither CPR ASSET MANAGEMENT, nor Amundi Technology may be held liable for any loss or damage resulting from the interception by third parties of information that is made available to you on the website. Neither Amundi Technology, nor CPR ASSET MANAGEMENT, nor any of its directors, managers, or employees may be held liable for any loss or damage resulting from a breakdown or disruption of this website, or from an error omission, interruption, deletion, defect, delayed operation or transmission, a computer virus, a breakdown in the communication line or an alteration or use of registrations, even if the circumstances causing such an event might have been under the control of Amundi Technology, the CREDIT AGRICOLE group or any supplier of services or software assistance. Neither CREDIT AGRICOLE and its affiliated Companies, nor any party may be held liable to you for any type of damage, even if Amundi Technology, CREDIT AGRICOLE or another party has been informed of the possibility of such damage.
Website use
This website provides information to complement documentation relating to the planned investment.
Subscriptions must be based solely on suitable documentation given to subscribers prior to subscription or available on request in all branches of partner networks of CPR ASSET MANAGEMENT or authorised distributors, or on request from the head offices of CPR ASSET MANAGEMENT.
Any deliberate abuse of any element of the CPR ASSET MANAGEMENT website (including hacking, the introduction of virus, disruption, excessive of illegal use) is expressly forbidden.
Website ownership, copyrights and trademarks
CPR ASSET MANAGEMENT holds the copyrights to all work appearing on this web, including images, texts, iconographic images and documents that may be repatriated from this website.
Accordingly, the reproduction or depiction of all or part of this website through any means whatsoever, is strictly prohibited without the prior written consent of CPR ASSET MANAGEMENT.
However, you may repatriate or print out pages and/or parts of the CPR ASSET MANAGEMENT website strictly for your personal use as long as you do not delete the copyright or intellectual property right statements.
The repatriation of information provided on the CPR ASSET MANAGEMENT website entitles you to no rights to information and you may not reproduce (in whole or in part), transfer (electronically or otherwise), modify, or use this website for public purposes, or create links to the website without the prior written consent of CPR ASSET MANAGEMENT.
“CPR ASSET MANAGEMENT” is a registered trademark of CPR ASSET MANAGEMENT. You may neither reproduce, nor delete, nor reuse, nor modify in any manner whatsoever the distinctive signs on the pages of this website.
Photo credits
Image database: iStock
Divisibility clause
In the event that any of the provisions of these Terms and Conditions of Use is deemed illegal, null and void or unenforceable, such provision shall be considered dissociable from these Terms and Conditions of Use without this having an effect on the validity or executory nature of other provisions.
In continuing to use this website, you hereby confirm that you have understood and consented to the procedures, conditions and restrictions explained here, as well as the provisions of the Terms and Conditions of Use of this website. You also acknowledge that: (i) these conditions shall apply each time you access the website of CPR ASSET MANAGEMENT in the future, as well as the provisions limiting liability, risk warnings and other information supplied; and (ii) you guarantee that no other person will use your current log-in and password to access the website of CPR ASSET MANAGEMENT.
Applicable law
This website of CPR ASSET MANAGEMENT and its content are governed by and interpreted in accordance with French law. Any litigation resulting from it or referring to it shall be subject to the exclusive jurisdiction of French courts.
Information on cookies
The cpram.com website uses cookies. When you view the website, cookies are installed on your computer, tablet or smartphone. The information below allows you to better understand how cookies work and how to use current tools to configure them.
What is a cookie?
Cookies are commonly used on the Internet. A cookie is a small text file containing information that is registered on the hard drive of your device (e.g., computer, tablet, smartphone, etc.) when you view a website using your browser. It is sent by a website server to your browser. The cookie file allows its issuer to identify the device in which it is registered throughout the period of validity or registration of the cookie concerned. A cookie may not be used to track down an individual person.
Why do we use cookies?
We use three categories of cookies for purposes described below. We do not use cookies to compile user-specific information (such as your name, for example).
1. Functional cookies
These cookies are not essential to browsing on our website but help it function more efficiently and give you access to specific features. They also allow you to adjust the presentation of our website to the display preferences of your device. These cookies also give you a fluid and customised browsing experience.
Installing cookies on your device is the simplest and fastest way to personalise and enhance your user experience.
These cookies are installed by CPR ASSET MANAGEMENT. They have a very short life, most of them lasting just one session and, in any case, no more than one year.
2. Audience measurement cookies (statistics)
These cookies compile information on the way in which visitors use a website, for example, the number of visits, the most-visited pages, etc.
XITI, the statistics tool used by cpram.com, generates a cookie with a unique user ID that is valid for no longer than 13 months. We compile the IP address in order to identify the city from which you are logging on. This IP address is immediately anonymised after use. CPR ASSET MANAGEMENT is therefore unable to track down a natural person in any way.
Data gathered are kept by CPR ASSET MANAGEMENT for a period of six months and are not transferred to third parties or used for other purposes.
3. Sharing cookies (social networks)
The cpram.com website contains sharing links with Facebook, LinkedIn, Twitter, and other, similar social networks, allowing you to share the content of our website with other persons. When you use these sharing buttons, an outside cookie is installed. If you are logged onto the social network while viewing our website, the sharing buttons set up links with the content viewed on your user account.
How to manage cookies?
There are several ways to manage cookies. Any settings that you can configure may modify your Internet browsing history and your conditions for accessing certain services requiring the use of cookies.
You may at any time express and modify your cookie preferences through the means described below.
1. Configuring your browser
For Chrome:
https://support.google.com/search?q=cookie
For Internet Explorer
http://windows.microsoft.com/fr-FR/windows-vista/Block-or-allow-Cookies
For Opéra
http://help.opera.com/Windows/10.20/fr/cookies.html
2. Opt-out links for audience measurement cookies (statistics)
For cookies installed by AT Internet
https://www.atinternet.com/
3. Sharing cookies (social networks)
For cookies installed by Facebook
https://fr-fr.facebook.com/help/cookies
For cookies installed by LinkedIn
https://www.linkedin.com/legal/cookie
For cookies installed by Twitter
https://help.twitter.com/en/rules-and-policies/x-cookies
For more information on cookies, go to the website of the French National Commission on Computer Files and Freedoms (CNIL), at: http://www.cnil.fr/vos-droits/vos-traces/les-cookies/