Disclaimer and Terms and Conditions

Publisher

The website cali-europe.com is published by the life insurance company CALI Europe S.A. with capital of €127,311,135.72. CALI Europe is a Luxembourg life insurance company, registered with the Trade and Companies from Luxembourg Commercial Register under No. B 75007, and with its registered office at 31-33 avenue Pasteur, L2311 Luxembourg, (+352)26.26.70.30, online contact form. CALI Europe has one subsidiary in France : CALI Europe Succursale France, located at 50-56 rue de la Procession, 75724 Paris Cedex 15, (+33)(0)1.57.72.49.51. CALI Europe is approved for the exercise of insurance classes I, II, III, VI and VII. CALI Europe is subject to supervision by the Luxembourg supervisory authority of the insurance industry: the Commissariat aux Assurances, located at 7 boulevard Joseph II, 1840 Luxembourg (commassu.lu).

Host

Web hosting by Hosteam, subsidiary of the Cyrès Group, 19 rue Edouard Vaillant, 37000 Tours (+33)(0)2.47.68.48.50. Design and development by communication agency Vanksen 7 rue des Mérovingiens, Hermès Center, L-8070 Bertrange. (+352)48.90.90.100.

Purpose

The purpose of the website cali-europe.com is to provide general information about CALI Europe and its business. It is not intended for the conclusion of insurance contracts online or carrying out transactions involving insurance or capitalisation contracts. Any products mentioned are intended to be presented by licensed insurance agents, authorised by CALI Europe to offer these products, and do not in any way constitute a direct commercial offer, direct sales, or recommendations. By continuing to use this website, the user expressly and unreservedly accepts the following terms and conditions.

Notices

All the information on the website cali-europe.com is provided for informational and general purposes only and in no way constitutes legal or personalised advice. With respect to information from a legal source, regardless of the government from which it originates, it should be remembered that only the original version of a text that is officially published shall prevail. CALI Europe strives to provide reliable and accurate information. However, CALI Europe does not guarantee the accuracy or reliability of the content of the cali-europe.com website, or that the information on the website is up-to-date. CALI Europe shall not be liable for any errors contained in this information nor for any damages that may result. Nor can the Company be held liable for any amendment to legal provisions of whatever nature that arise subsequent to publication on this website. The users are solely liable for any decision taken on the basis of information contained on this website or on external sites to which it links, of which they are the sole judge in light of their personal circumstances. CALI Europe shall not be held liable in any way whatsoever for the consequences of decisions taken by the user. CALI Europe reserves the right, at any time and without notice, to modify the content and functionality of the website and its conditions of use.

Accessibility

Users must ensure that the regulations that apply to them, based on their residence, citizenship, or any other relevant criteria, authorise the use of this website. CALI Europe strives to provide the user with continuous access to the website. However, CALI Europe is not liable for any downtime, network failures or restrictions on access. The website may provide links to external websites, including through hyperlinks. CALI Europe does not guarantee or assume any liability for the integrity, reliability and content of the sites to which it is linked. Users are solely liable for the use of these external websites.

Personal data

By browsing this website, the user accepts that personal data may be collected, stored and used by CALI Europe, in its capacity as the entity responsible for data processing, for administrative and information sharing purposes. Unless the user expressly opposes this in writing (any stamp fees will be reimbursed), the personal data collected will also be used for prospective purposes, such as sending documents for other products and commercial offers of CALI Europe. The users also authorise CALI Europe to communicate their personal details to survey and polling institutions, acting exclusively on behalf of CALI Europe, for statistical purposes; it being understood that users are aware that they are not required to their offers and stresses that user data is destroyed after processing. The right of opposition to such surveys is exercised from the initial contact. In accordance with the Luxembourg Law of 2 August 2002 on the protection of individuals with regard to the processing of personal data, as amended, users have a right of access and rectification with regard to their information. Users can also receive the list of recipients of their information. These rights may be exercised by writing to CALI Europe, 31-33 Avenue Pasteur, L-2311 Luxembourg.

Cookies

"Cookies" are small text files in alphanumeric format that are used for tracking. They are placed on and read from the hard disk of the user, in particular when browsing a website. CALI Europe has implemented a policy regarding cookies.

Language

The website cali-europe.com is available in several languages. In the event that the terms and formulations used in a version other than the French version should change the meaning of the information provided or create ambiguity or inconsistency, the French version of the website cali-europe.com will prevail.

Intellectual property

This website was designed and created by CALI Europe, in collaboration with Vanksen communication agency. The entire website cali-europe.com and its contents (including but not limited to trademarks, logos, text, images, tree structure and visual identity) falls under Luxembourg law on copyright and intellectual property. These contents are the exclusive property of their respective authors and may not be reproduced, distributed or rebroadcast in whole or part, on any medium whatsoever, for any other than private use without the express advance agreement of CALI Europe. The user also undertakes not to use its contents for illegal purposes.

Applicable law and place of jurisdiction

Users are informed that the law applicable to this website and its contents is Luxembourg law. Only Luxembourg courts have jurisdiction in disputes relating to the access, use and contents of the website cali-europe.com.