The editor would like to bring to the attention of the users
the following points.
Conditions of use of the site
The site CA Britline is a hyperlink to information and services.
The services and information presented on the site are to
be used by internet users under the following conditions :
- customers of Credit Agricole Normandie (CA Britline)
Access is possible 24 hours per day, 7 days per week , except
in the case of unforseen circumstances, third party intervention
and/or necessary maintenance work to ensure correct functioning
of the site. Access to the site is free, except from providing
access and the telephone communications which are charged
directly by the operators.
Use of the information services
The editor cannot guarantee to the user that no omission
or error will arise in the information.
It is the responsibility of the user to make judgement on
the information available.
Therefore, it is recommended to verify the informations obtained
from the site before taking any decision.
DE CRÉDIT AGRICOLE MUTUEL DE NORMANDIE
Siège social : 15 esplanade Brillaud de Laujardière
- 14050 CAEN Cedex
Tél : 00.33.(0)220.127.116.11.89
Fax : 00.33.(0)18.104.22.168.99
Société coopérative à capital variable agréée en tant qu'établissement de crédit - 478 834 930 RCS CAEN.
Société de courtage d'assurances : Garantie financière et assurance de responsabilité civile professionnelle conformes aux articles L512.6 et L512.7 du code des assurances.
N° d'immatriculation ORIAS : 07 022 868 - Code APE : 651 D
Etablissement prestataire de services d'investissement agréé par le comité des Etablissements de Crédit et par l'Autorité des Marchés Financiers pour l'ensemble des services d'investissement visés à l'article L321-1 du Code monétaire et financier, à savoir la réception et la transmission d'ordre pour le compte de tiers, l'exécution d'ordre pour le compte de tiers, la négociation pour compte propre, la prise ferme de placement.
Un extrait des
de banque est consultable sur ce site
Directeur de la publication : Eric FELTEN, Directeur
Responsable de la rédaction : Vincent GOLLIOT, Responsable Britline
Terms & conditions
Article 1 - General provisions :
The present contract defines the terms and conditions under
which the Crédit Agricole Normandie provides an on-line
banking service for its clients via its web-site, in addition
to the service offered at a branch level. The present contract
constitutes a supplement to any contract governing the accounts
or products concerned , without modifying their own specific
conditions. Conversely, it sets out new means of proof overriding
any specifications, drawn up prior, to these that might differ.
At the end of the present contract, by clicking on "
valider" ( confirm ), the client acknowledges having
been informed of the Internet on-line banking service terms
of use. By using the service, he acknowledges accepting the
Article 2 - Access to the service
- personal security numbers :
In order to be able to access banking transactions on-line,
the client receives a personal security number. He may change
this number at any moment and is invited to do so frequently
for security reasons. The Client undertakes to keep his Internet
access security numbers strictly confidential, refraining
from communicating them to anybody, for whatever reason. The
Client bears all the consequences, direct or indirect, that
result from the use of the Internet access security numbers
by third parties, as well as the consequences of imprecise
or incoherent orders. In the event of the client forgetting
or losing his pin number, he may request a new one from his
branch ( or by telephoning the "numéro vert"
( Freefone number, if in France ) quoted on the web-site.
The access security number is separate from the electronic
signature ; the two must not be mixed up.
Article 3 - Access by authorized
For security reasons, only signatories who are themselves,
in a personal capacity, Crédit Agricole Normandie account
holders may carry out on-line transactions on accounts upon
which they are authorized to sign. In this case the signatory
uses the security number allocated to him in his capacity
as client, yet the account holder remains responsible for
the transactions carried out by his signatory.
Article 4 - Specific authorizations
Access to certain transactions, for instance the Stock Exchange
option, or when the maximum amount authorized for on-line
transactions is attained, may, if the need arises, require
to be authorized specifically by the branch where the Client's
account is held. The " Famille Module" option :
in order to be able to benefit from this option, the Client
must be either the holder or the signatory on all the accounts
Article 5 - Security of instructions
given on-line :
Information exchanged whilst on the on-line banking Internet
pages of the Crédit Agricole Normandie is secured by
a SSL cryptography protocol. The security of the web-site
is more fully explained under the heading "Confidentiality
Charter," which may be accessed on-line at the bottom
of each page. The Client is invited to become acquainted with
the assistance on offer under the different headings, and
to follow scrupulously the instructions given on each transaction.
When giving an instruction on the secure pages, the client
is invited to click a first time to give the order, and a
second time to confirm or cancel it. On confirming, he acknowledges
having read, understood and accepted the consequences of the
instruction given. When the client has finished his on-line
transactions, he is invited, as a security measure, to click
on the option "déconnexion," located in the
left hand margin of the page.
Article 6 - Electronic mail :
As the integrity and the confidentiality of e-mails cannot
be guaranteed to date, the Crédit Agricole Normandie
is not obliged to fulfil orders transmitted by e-mail. For
the very same reasons, the client should never communicate
personal and confidential information by e-mail ( account
number, card number, address...).
Article 7 - Authentication of
Once the client has been identified according to the above-mentioned
methods, any questions asked, or instructions carried out
or given, are reputed to have been issued by the client himself,
whatever the origin. Computer recordings or their copying,
computerised or onto paper, shall be deemed authentic between
the parties. In the event of an inconsistency arising between
a computer recording and a possible written confirmation transmitted
subsequently on paper, the computer recording will prevail.
Article 8 - Authentication of
information - Statements :
Within the context of the on-line banking services, the customer
may obviously access his bank statements. Any information
gathered by the client and (on his initiative) when consulting
his accounts on-line remains on an informative basis, including
"warnings". The account statements that are communicated
periodically by the Bank to the client shall continue to constitute
the proof of entries on the account, and the starting date
from which complaints may be made.
Article 9 - Unavailability of
the service :
In the event of the on-line banking service being unavailable
on the Internet, the client may always contact his branch
in order to carry out his transactions ( or another branch
within the Crédit Agricole Normandie ). Moreover, the
client may also access all the other Crédit Agricole
Normandie on-line banking services ( via Minitel 3615, Filvert....).
When the client intends to contact the call centre, the rules
concerning use and authentication, which shall govern orders
given thus, are hereby evoked : the client communicates his
surname, first names and his account number to an employee
of the bank at the call centre; he may also be requested to
answer one or several undefined questions relating to his
particulars or banking situation ( identification check).
Orders given over the telephone shall be recorded by the Caisse
Régionale and shall be conserved for between 6 months
and 5 years. Telephone recordings shall be deemed authentic
between both parties. In the event of a discrepancy arising
between a telephone recording and a possible, written confirmation
subsequently transmitted, the recording shall prevail.
Article 10 - Period for complaint
Complaints may be made according to a certain timescale,
provided for in the contracts concerning bank accounts, share
accounts and any other products. In particular, it is stated
that the period for complaint on Stock Market orders is of
3 trading days (on the Stock Exchange ), after receipt of
the advice of purchase or sale. As far as transactions on
a current account are concerned, the period for complaint
is of one month, as from the client receiving the periodic
account statement transmitted by the bank. If no complaint
is made within the time allowed, the entries shall be reputed
approved by the client.
Article 11 - Fees and charges
of the services :
The Internet connection fee is borne by the client, as invoiced
by his own telecommunications operator. Regarding the on-line
services offered by the bank, the fee for any possible, specific
subscription requested from a branch and the periodicity of
its payment, are specified in the "Banking Terms and
Conditions "and available on-line and in branches. Furthermore,
on-line banking and Stock Market transactions are subject,
too, to their own specific invoicing. The fees and charges
applied by the bank may vary ; the client shall be informed
beforehand, by any means. The fact that the Client uses the
services implies that he accepts the terms and conditions,
and the specific terms on access, use and fees and charges.
The client authorizes the bank to carry out any direct debits
required for the payment of these fees from his account.
Article 12 - Duration of the contract
The present contract is concluded for an unspecified length
of time. As the client may carry out his transactions in a
branch, he may at any moment cease to use the Internet on-line
banking service without advance warning. The bank may terminate
the present contract by giving 8 days' notice. The bank may,
however, stop the service both immediately and without advance
notice, should the authorized maximum amounts be exceeded,
should the personal security access numbers no longer be confidential,
or in more general terms, should the client fail to respect
the present contract, any other contract or regulations governing
accounts, products or banking services.
Article 13 - Amendments to the
The current version of the contract on using the Internet
banking service may be consulted on-line at any moment. The
client may gain access to it by clicking on the heading :
bottom of the page. Should the present contract be amended,
the new version shall be presented automatically to the client,
so that he may decide, with full knowledge of the facts, whether
to continue using the service under the new terms.
Article 14 - Applicable law :
The present contract is subject to French law. In the event
of a dispute, the courts of competent jurisdiction shall be
those of the Bank's registered office.
to the Internet on-line banking service. I acknowledge that
using the on-line banking service implies that I accept the
Address of the MEDIATOR : Monsieur le Médiateur du Crédit Agricole Normandie - BP 85225 - 14052 CAEN CEDEX 4