AXA_Logo_Solid_RGB MAGAZINE ABOUT US INSIGHTS PRESS INVESTORS CAREERS FIND US EN FR LEGAL INFORMATION Legal information / Terms of use Please read carefully the following terms of use, which apply to all visitors of the website www.axa.com (the "Website") and which you agree to comply with. Date of the last update : 07/30/2021 06/23/2021 version 02/25/2021 version 12/16/2020 version 11/30/2020 version 08/05/2020 version 06/30/2020 version 02/19/2020 version 12/18/2019 version 11/29/2019 version 07/31/2019 version 06/19/2019 version 04/24/2019 version 04/10/2019 version 02/20/2019 version 12/13/2018 version 12/03/2018 version 08/13/2018 version 08/01/2018 version 06/28/2018 version 02/21/2018 version 12/14/2017 version 12/01/2017 version 08/02/2017 version 06/21/2017 version 02/22/2017 version 08/03/2016 version 06/17/2016 version 03/16/2016 version 02/24/2016 version 12/17/2015 version ACCEPTANCE OF THE TERMS OF USE AXA reserves the right to add to, modify or remove and more generally update at any time, all or part of these terms of use. AXA will inform each visitor of the Website (a «User») about the modifications made to the present terms of use. If the User does not respect these terms of use and if AXA does not immediately react, this does not mean that AXA waives its rights to act subsequently. LEGAL INFORMATION The Website editor AXA 25, avenue Matignon FR - 75008 Paris Telephone: +33 (0) 1 40 75 57 00 Number of V.A.T: FR 50 572 093 920 AXA is a “société anonyme” with registered capital of: €5,539,868,671.25 (at July 30, 2021), registered in the Paris Trade and Companies Register under the number 572.093.920 and represented by Thomas Buberl – Chief Executive Officer. (« AXA ») Publication Director Thomas Buberl – Chief Executive Officer. Web hosting AXA Technology Services SAS 76, route de la Demi-lune FR - 92057 Paris La Défense Cedex Telephone: + 33 (0) 1 55 67 20 00 AXA Technology Services SAS is registered in the Nanterre Trade and Companies Register under the number 399.214.287 ACCESS The Website is an information website published in English and French, intended both for AXA customers and non-customers. The information contained on the Website is given strictly for informative purposes and does not entail any legal commitment or implicit or explicit contractual agreement on the part of AXA, which also reserves the right to modify its characteristics at any time. Access to any products and services presented on the Website may be subject to legal or regulatory restrictions for certain persons or in certain countries. None of the products and/or services will be supplied by AXA or any entity of the AXA Group (« AXA Group ») to a person if the law applicable to him/her prohibits it. However, it is up to all persons concerned to check beforehand with their usual legal advisors that their legal and fiscal status permits them to subscribe to the products and/or services presented on the Website. AXA declines all responsibility in case of violation of these restrictions by any person. Access to the Website is free of charge. However, the costs of access and use of the telecommunications network shall be borne by the User, according to the terms stipulated by his/her Internet access provider and his/her telecom operator. USER ACCOUNT Some features on the Website may require the creation of a User account. The User has the entire responsibility of maintaining the confidentiality of his/her account information, especially his/her password and of all the operations carried out with the account. He/she is responsible for his/her own activity carried out using his/her account or through it. He/she shall not use the same password for third-party applications. The User is not allowed to use the account of any other person without such account holder’s permission. The User undertakes to immediately notify AXA in case of non authorised use of his/her account or of his/her password or any breach of security. He/she may be held responsible for the damages suffered by AXA or any other User due to the use, caused by his/her own intent or negligence, of his/her AXA login, his/her password or his/her account, by another person. PRIVACY POLICY For any further information concerning the processing of Personal Data realised by the Website, please refer to the Privacy Policy and the Cookie Policy. HYPERTEXT LINKS The creation of hypertext links to the Website is subject to the explicit prior approval of AXA. The Website can contain hypertext links to other sites. The existence of hypertext links between the Website and third party sites means in no way that AXA approves the content of that site or the use which may be made, and may not, under any circumstances, incur AXA’s responsibility. The User visits the other sites at his/her own risks and under his/her responsibility. AXA does not accept any responsibility for any third party website linked to or from this website. It is to be recalled that delays, omissions or inaccuracies are liable to occur because of the electronic transmission system. COPYRIGHT LAW All the elements of the Website , individually and as a whole, are governed by applicable legislation on intellectual property, copyright law, trademark law. The same applies to the form of the Website (tree view, layout, design, conviviality…), as well as to its content (trademark, texts, images, illustrations, music, sounds…). These elements are the exclusive property of AXA or are licensed to AXA, and AXA is the sole authorized user of such elements. Any other complete or partial reproduction, representation or communication of the pages, the data and any other element constituting the Website, by any process and on any support, as well as their modification, is prohibited, with the exception of prior and written authorization of AXA. “AXA” is a registered trademark. The trademarks, service marks and logos appearing in AXA information services and/or on any other AXA Group entities’ website are the property of the AXA Group entity in question. It is strictly forbidden to use or reproduce the name “AXA” and/or its logos, used alone or combined, in any capacity whatsoever, without AXA’s prior written agreement. The non-compliance with such prohibition constitutes an infringement which can result in civil and criminal liability. USE OF THE WEBSITE The User may not use the Website or its content for an improper purpose or a purpose forbidden by these terms of use, nor encourage any illegal activity, or other activity violating AXA’s rights or third parties’ rights. The User is not allowed to use mechanisms, programmes, algorithms or other automatic methods to access, obtain, copy or supervise any part of the Website, nor reproduce or bypass the navigation structure or the presentation of the Website in order to obtain data, documents or information. The User can only extract and/or re-use data, documents or information from the Website when this has been expressly authorized. The User must not attempt to access unlawfully to any section or functionality of the Website, nor to any other system or connected network to the Website, nor to the services proposed on the Website, by hacking or using any other illegitimate means. The User must not try to analyse or test the vulnerability of the Website or any connected network to the Website, nor violate the security and authentication measures put in place by the Website or the networks connected to the Website. The User is not authorized to question or trace information about other Users, or clients of the AXA Group, especially all Users’ accounts which are not his/her own, or set up at his/her initiative, nor to exploit the Website or the services or the information made available on the Website, in any manner, for the purpose of revealing such information, especially personal identification information or the information other than his/her own information, as they appear on the Website. The User agrees to take no action imposing an undue or unreasonable burden on the Website's infrastructure, or systems or AXA’s networks, or any network connected to the Website or to AXA. The User agrees not to use any mechanism or software to interfere or try to interfere with the proper function of the Website or with any transaction conducted on the Website or with any use of the Website by any other person. The User must not try to infringe the headers or manipulate the identifying information in any manner, to mask the origin of the message or of an information sent to AXA using the Website, or a service offered by the Website. The User must not claim to be or represent someone else, nor pretend to be another natural or legal person. AXA reserves the right at any time to modify or suspend temporarily or permanently the use of this Website and may not be held responsible for these changes, suspension or interruptions. Also, AXA declines all responsibility for the dysfunctions or interruptions during the use of the Website due to power failure, defection on telephone lines and/or internet or any other damaging event out of its control. TECHNICAL INFORMATION AXA may not be held responsible for events out of its control and the potential damages suffered by the technical environment of the User and notably, his/her computers, software, network equipment or any other material to use the Website and/or information contained in it. The confidentiality of correspondence is not guaranteed on the network and it is up to each User in particular to take all appropriate steps to protect his/her own data and/or software against contamination by any viruses circulating on the Internet. The User agrees to compensate and release AXA from all responsibility regarding losses or complaints from third parties, due to or in relation to the use made by such User of the Website. COOKIES Cookies are used on the Website in order to constantly improve the Website and to respond effectively to consumers expectations. All information about cookies and disabling of cookies is available in the Cookies Policy. ABSENCE OF GUARANTEE AXA endeavours to keep this Website up to date. However, AXA guarantees neither the accuracy nor the completeness of any information presented. Besides, to the extent permitted by applicable law, AXA may in no case be held responsible for any indirect loss, for whatever cause, origins, natures or consequences, resulting from a visit to the Website or associated with such a visit, particularly, and without limitation, for any loss of profits, interruption of activities or loss of software or data. JURISDICTION AND APPLICABLE LAW The Website and its content are governed by French law subject to provisions that cannot be derogated from by agreement by virtue of the law applicable to the User. All disputes in relation to the Website shall be subject to French courts. PHOTO CREDITS Patrick Messina, Franck Dunouau, SeignetteLafontan.com, Raphael Fournier, Antoine Doyen, Stephen Dock, Jean-Lionel Dias, Mat Be, Benoit Paillé, Romuald Meigneux, GettyImage, IStockPhoto, Jean Philippe Robin, Raphael Dautigny, Eric Avena, Leonard Misonne, PhotoNonStop, Agence photographique du musée Rodin - Pauline Hisbacq, Pascal Michelet, Eleanor Goodey, Patrick Brown, Stephen Laemlin, Pierre-Lucet Penato, Mint Images, Musée des Beaux-Arts de Lyon, Shutterstock, Thomas Coex/CARE, CARE, Philippe Fuzeau / musée du Louvre, Maskot, Benjamin Boccas, Manuel Meszarovits, Andy Mac Photography, Spanish Paralympics Comittee, Fundación AXA, AXA Seguros, Fotolia, FSB Task Force on Climate-related Financial Disclosures, Ana Solorzano/CARE, Ian Teh, UNICEF/UNI178926/Ramos, Miles Sabin, OxF2, Philippe Dureuil, odanielgp, Java User Group Belgium, American Telephone and Telegraph Company, Stig Nygaard, MjZ Photography, UN Photo/Rick Bajornas, Sean Dreilinger – Durak.org, Šarūnas Burdulis, Abbie-Trayler-Smith_Panos, Ars Electronica, Musée du Louvre, Guillaume Pagnard, NASA, Gerry-Machen, UN Climate Change, Institut Pasteur DIRECT ACCESS Contact us Subscribe to email alerts Regulated information DATA PROTECTION Cookie Policy Cookie Management Privacy Policy FOLLOW US ENGLISH / FRANÇAIS Legal information and terms of use © 2021 AXA All Rights Reserved Cookie AXA and its 7 third party providers use cookies/tracers for the following purposes: audience measurement, to compile statistics based on the use of our website, social media sharing, to share content on social networks or platforms present on our sites, functionalities management, to provide enhanced functionality and personalization on our website. 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