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Submitted URL: https://www.candriam.be/en/private/legal-and-disclaimer/legal-information/
Effective URL: https://www.candriam.com/en-be/private/legal-information/
Submission: On May 02 via manual from US — Scanned from DE
Effective URL: https://www.candriam.com/en-be/private/legal-information/
Submission: On May 02 via manual from US — Scanned from DE
Form analysis 6 forms found in the DOM
POST /Candriam-DotCom/en-BE/private/Search/Search
<form role="Search" action="/Candriam-DotCom/en-BE/private/Search/Search" method="post">
<div class="a-search">
<div class="a-search__input">
<input class="js-input-search" type="text" placeholder="Search document, article,..." aria-label="lorem" name="searchText" required="" data-webid="search-input">
<button type="submit" class="a-search__icon">
<svg aria-hidden="true" focusable="false" height="20" width="20">
<use xlink:href="/Module/Projects/Candriam/DotCom/Components/Views/Svg/search-icon.svg#search-icon"></use>
</svg>
</button>
</div>
</div>
</form>POST /Candriam-DotCom/en-BE/private/Search/Search
<form role="Search" action="/Candriam-DotCom/en-BE/private/Search/Search" autocomplete="off" method="post">
<div class="a-search">
<div class="a-search__input">
<input class="js-input-search" type="text" placeholder="Search document, article,..." aria-label="lorem" name="searchText" required="" data-webid="search-input">
<button class="a-search__icon" type="submit">
<svg aria-hidden="true" focusable="false" height="20" width="20">
<use xlink:href="/Module/Projects/Candriam/DotCom/Components/Views/Svg/search-icon.svg#search-icon"></use>
</svg>
</button>
<div class="a-search__suggestion" data-suggestions="">
</div>
</div>
<div class="a-search__cta">
<button class="a-btn a-btn--primary" type="submit" title="Search"> Search </button>
</div>
</div>
</form>#
<form action="#" class="m-form" data-component-class="ReCaptcha" data-component-parm="{"reCaptchaSiteKey":"6Ld0P2IcAAAAAJ2ArVriioEcTuUOeJbmrsVMinOi"}" data-webid="ReCaptcha" id="accountLoginForm">
<div class="c-account__start">
<h2 class="h3">Log In</h2>
<div class="m-form__wrapper">
<label for="userName" class="a-field a-field--top-label js-form-field ">
<span class="a-field__label"> Username <span class="is-required" aria-label="required"></span>
</span>
<input data-val="true" data-val-required="The Login field is required." data-webid="login" id="login" name="Login" placeholder="Your username" type="text" value="">
<span class="field-validation-valid a-field__info js-info-login" data-valmsg-for="Login" data-valmsg-replace="false">Please fill in your username</span>
</label>
<label for="password" class="a-field a-field--top-label js-form-field js-label-password ">
<span class="a-field__label"> Password <span class="is-required" aria-label="required"></span>
</span>
<input data-val="true" data-val-required="The Password field is required." data-webid="password" id="password" name="Password" placeholder="Your password" type="password">
<span class="field-validation-valid a-field__info js-info-password" data-valmsg-for="Password" data-valmsg-replace="false">Please fill in your password</span>
</label>
<label class="a-field ">
<span class="field-validation-valid a-field__info js-info-generic" data-valmsg-for="Generic" data-valmsg-replace="true"></span>
</label>
</div>
<div class="c-account__cta">
<button class="a-btn a-btn--link hide-icon" type="button" data-a11y-dialog-hide="" data-dialog-show="forgotPassword" data-webid="forgot-password-link"> Forgot Password </button>
<button type="submit" class="a-btn a-btn--primary c-account js-input-login" data-webid="login-button-submit"> Log In </button>
</div>
<small class="grecaptcha-inform"> This site is protected by reCAPTCHA and the Google <a href="https://policies.google.com/privacy" target="_blank">Privacy Policy</a> and
<a href="https://policies.google.com/terms" target="_blank">Terms of Service</a> apply. </small>
</div>
</form>#
<form action="#" class="m-form" data-component-class="ReCaptcha" data-component-parm="{"reCaptchaSiteKey":"6Ld0P2IcAAAAAJ2ArVriioEcTuUOeJbmrsVMinOi"}" data-webid="ReCaptcha" id="accountRegistrationForm">
<div class="c-account__form" id="create-account-form">
<div class="c-account__start">
<h2 class="h3"></h2>
<div class="m-form__wrapper">
<div class="c-account__fields">
<label for="firstName" class="a-field a-field--top-label js-form-field js-label-firstname ">
<span class="a-field__label"> First name <span class="is-required" aria-label="required"></span>
</span>
<input data-val="true" data-val-required="The Firstname field is required." data-webid="first-name" id="first-name" name="Firstname" placeholder="First name" type="text" value="">
<span class="field-validation-valid a-field__info js-info-firstname" data-valmsg-for="Firstname" data-valmsg-replace="false">Please enter your first name</span>
</label>
<label for="lastName" class="a-field a-field--top-label js-form-field js-label-lastname ">
<span class="a-field__label"> Last name <span class="is-required" aria-label="required"></span>
</span>
<input data-val="true" data-val-required="The Lastname field is required." data-webid="last-name" id="last-name" name="Lastname" placeholder="Last name" type="text" value="">
<span class="field-validation-valid a-field__info js-info-lastname" data-valmsg-for="Lastname" data-valmsg-replace="false">Please enter your last name</span>
</label>
<div class=" o-span o-span--2@tablet o-span--1@desktop">
<label for="email" class="a-field a-field--top-label js-form-field js-label-email ">
<span class="a-field__label"> Email address <span class="is-required" aria-label="required"></span>
</span>
<input data-val="true" data-val-email="The Email field is not a valid e-mail address." data-val-required="The Email field is required." data-webid="email" id="email" name="Email" placeholder="Email address" type="text" value="">
<span class="field-validation-valid a-field__info js-info-email" data-valmsg-for="Email" data-valmsg-replace="false">Please enter Email address</span>
</label>
</div>
</div>
<div class="c-account__fields">
<div class=" o-span o-span--2@tablet">
<div class="m-country-language-selector">
<div class="m-country-language-selector__country">
<div class="a-form-element u-hide-large">
<label for="mobile-country"> Country </label>
<select class="a-select js-country__selectlist" name="Country" id="mobile-country" data-webid="mobile-country-button">
<option value="AT" data-country-code="AT" data-webid="mobile-country-AT">Austria</option>
<option value="BE" data-country-code="BE" data-webid="mobile-country-BE" selected="">Belgium</option>
<option value="CA" data-country-code="CA" data-webid="mobile-country-CA">Canada</option>
<option value="DK" data-country-code="DK" data-webid="mobile-country-DK">Denmark</option>
<option value="FI" data-country-code="FI" data-webid="mobile-country-FI">Finland</option>
<option value="FR" data-country-code="FR" data-webid="mobile-country-FR">France </option>
<option value="DE" data-country-code="DE" data-webid="mobile-country-DE">Germany</option>
<option value="IE" data-country-code="IE" data-webid="mobile-country-IE">Ireland</option>
<option value="IT" data-country-code="IT" data-webid="mobile-country-IT">Italy</option>
<option value="JP" data-country-code="JP" data-webid="mobile-country-JP">Japan</option>
<option value="LU" data-country-code="LU" data-webid="mobile-country-LU">Luxembourg</option>
<option value="NL" data-country-code="NL" data-webid="mobile-country-NL">Netherlands</option>
<option value="NO" data-country-code="NO" data-webid="mobile-country-NO">Norway</option>
<option value="PT" data-country-code="PT" data-webid="mobile-country-PT">Portugal</option>
<option value="COM" data-country-code="COM" data-webid="mobile-country-COM">Rest of the World</option>
<option value="SG" data-country-code="SG" data-webid="mobile-country-SG">Singapore</option>
<option value="SK" data-country-code="SK" data-webid="mobile-country-SK">Slovakia</option>
<option value="KR" data-country-code="KR" data-webid="mobile-country-KR">South Korea</option>
<option value="ES" data-country-code="ES" data-webid="mobile-country-ES">Spain</option>
<option value="SE" data-country-code="SE" data-webid="mobile-country-SE">Sweden</option>
<option value="CH" data-country-code="CH" data-webid="mobile-country-CH">Switzerland</option>
<option value="GB" data-country-code="GB" data-webid="mobile-country-GB">United Kingdom</option>
<option value="US" data-country-code="US" data-webid="mobile-country-US">USA</option>
</select>
</div>
<div class="a-form-element u-hide-until-large">
<label for="country"> Country </label>
<div class="a-select js-country__container" data-component-class="Dropdown" id="country">
<button type="button" class="a-select__trigger js-dropdown__trigger js-country__button" data-webid="country-button" aria-haspopup="true" aria-expanded="false">
<span class="a-flag">
<img alt="" class="js-country-flag__img js-dropdown__trigger" height="20" src="/en-be/private/SysSiteAssets/medias/flags/belgium.png" width="20">
</span>
<span class="js-country__span js-dropdown__trigger">Belgium</span>
</button>
<fieldset class="a-select__panel js-dropdown__panel js-country__fieldset" aria-hidden="true" aria-labelledby="country" tabindex="-1">
<legend class="u-screen-reader"> Country </legend>
<ul class="a-select__list">
<li class="a-select-item js-country__listitem" data-country-code="AT" data-webid="country-AT">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/austria.png?width=20&height=20" width="20">
</span>
<label>Austria</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="BE" data-webid="country-BE">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/belgium.png?width=20&height=20" width="20">
</span>
<label>Belgium</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="CA" data-webid="country-CA">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/canada.png?width=20&height=20" width="20">
</span>
<label>Canada</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="DK" data-webid="country-DK">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/denmark.png?width=20&height=20" width="20">
</span>
<label>Denmark</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="FI" data-webid="country-FI">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/finland.png?width=20&height=20" width="20">
</span>
<label>Finland</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="FR" data-webid="country-FR">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/france.png?width=20&height=20" width="20">
</span>
<label>France </label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="DE" data-webid="country-DE">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/germany.png?width=20&height=20" width="20">
</span>
<label>Germany</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="IE" data-webid="country-IE">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/ireland.png?width=20&height=20" width="20">
</span>
<label>Ireland</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="IT" data-webid="country-IT">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/italy.png?width=20&height=20" width="20">
</span>
<label>Italy</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="JP" data-webid="country-JP">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/japan.png?width=20&height=20" width="20">
</span>
<label>Japan</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="LU" data-webid="country-LU">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/luxembourg.png?width=20&height=20" width="20">
</span>
<label>Luxembourg</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="NL" data-webid="country-NL">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/netherlands.png?width=20&height=20" width="20">
</span>
<label>Netherlands</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="NO" data-webid="country-NO">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/norway.png?width=20&height=20" width="20">
</span>
<label>Norway</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="PT" data-webid="country-PT">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/portugal.png?width=20&height=20" width="20">
</span>
<label>Portugal</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="COM" data-webid="country-COM">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/row.png?width=20&height=20" width="20">
</span>
<label>Rest of the World</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="SG" data-webid="country-SG">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/singapore.png?width=20&height=20" width="20">
</span>
<label>Singapore</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="SK" data-webid="country-SK">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/slovakia.png?width=20&height=20" width="20">
</span>
<label>Slovakia</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="KR" data-webid="country-KR">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/south-korea.png?width=20&height=20" width="20">
</span>
<label>South Korea</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="ES" data-webid="country-ES">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/spain.png?width=20&height=20" width="20">
</span>
<label>Spain</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="SE" data-webid="country-SE">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/sweden.png?width=20&height=20" width="20">
</span>
<label>Sweden</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="CH" data-webid="country-CH">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/switzerland.png?width=20&height=20" width="20">
</span>
<label>Switzerland</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="GB" data-webid="country-GB">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/uk.png?width=20&height=20" width="20">
</span>
<label>United Kingdom</label>
</li>
<li class="a-select-item js-country__listitem" data-country-code="US" data-webid="country-US">
<span class="a-flag">
<img alt="" height="20" src="/en-be/private/SysSiteAssets/medias/flags/us.png?width=20&height=20" width="20">
</span>
<label>USA</label>
</li>
</ul>
</fieldset>
</div>
</div>
</div>
<div class="m-country-language-selector__language">
<div class="a-form-element u-hide-large">
<label for="mobile-language"> Language </label>
<select class="a-select js-language__selectlist" name="Language" id="mobile-language" data-webid="mobile-language-button">
<option value="fr-BE" data-language-code="fr-BE" data-webid="mobile-language-fr-BE">FR</option>
<option value="nl-BE" data-language-code="nl-BE" data-webid="mobile-language-nl-BE">NL</option>
<option value="en-BE" data-language-code="en-BE" data-webid="mobile-language-en-BE" selected="">EN</option>
</select>
</div>
<div class="a-form-element u-hide-until-large">
<label for="language"> Language </label>
<div class="a-select js-language__container" data-component-class="Dropdown" id="language">
<button type="button" class="a-select__trigger js-dropdown__trigger js-language__button" data-webid="language-button" aria-haspopup="true" aria-expanded="false">
<span class="js-language__span js-dropdown__trigger">EN</span>
</button>
<fieldset class="a-select__panel js-dropdown__panel js-language__fieldset" aria-hidden="true" aria-labelledby="language" tabindex="-1">
<legend class="u-screen-reader"> Language </legend>
<ul class="a-select__list js-language__list">
<li class="a-select-item js-language__listitem" data-language-code="fr-BE" data-webid="language-fr-BE">
<label>FR</label>
</li>
<li class="a-select-item js-language__listitem" data-language-code="nl-BE" data-webid="language-nl-BE">
<label>NL</label>
</li>
<li class="a-select-item js-language__listitem" data-language-code="en-BE" data-webid="language-en-BE">
<label>EN</label>
</li>
</ul>
</fieldset>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="c-account__fields">
<div class="o-span o-span--2@tablet">
<label for="profileCode" class="a-field a-field--select a-field--top-label js-form-field js-label-clienttype ">
<span class="a-field__label"> Profile <span class="is-required" aria-label="required"></span>
</span>
<select class="js-clienttype__selectlist" id="profileCode" name="ProfileCode">
<option value="" selected=""></option>
<option value="WEB_NONPRO" selected="">Retail investor</option>
<option value="WEB_PRO">Professional investor</option>
</select>
<span class="field-validation-valid a-field__info js-info-clienttype" data-valmsg-for="ProfileCode" data-valmsg-replace="false">Please enter your profile</span>
</label>
</div>
</div>
<label for="conditions" class="a-field a-field--checkbox js-label-terms " data-webid="terms-and-conditions">
<input id="conditions" name="TermsAndConditions" type="checkbox">
<span class="a-field__label c-rich-text">
<p><a href="/link/f50395b9052e45b981bbd44c528dcf97.aspx" target="_blank" rel="noopener">Terms and conditions</a></p>
<span class="is-required" aria-label="required"></span>
<span class="field-validation-valid a-field__info js-info-terms" data-valmsg-for="TermsAndConditions" data-valmsg-replace="false">Please check this box if you want to proceed</span>
</span>
</label>
<label class="a-field ">
<span class="field-validation-valid a-field__info js-info-email" data-valmsg-for="Generic" data-valmsg-replace="true"></span>
</label>
</div>
<div class="c-account__cta">
<button class="a-btn a-btn--primary hide-icon js-input-createaccount" data-webid="register-button-submit"> Register </button>
<div class="c-rich-text">Have already an account? <a href="#" data-dialog-hide="myAccountMember" data-dialog-show="myAccount">Login</a></div>
</div>
<small class="grecaptcha-inform"> This site is protected by reCAPTCHA and the Google <a href="https://policies.google.com/privacy" target="_blank">Privacy Policy</a> and
<a href="https://policies.google.com/terms" target="_blank">Terms of Service</a> apply. </small>
</div>
</div>
</form>#
<form id="resetPasswordForm" action="#">
<div class="c-account__start">
<h2 class="h3">Forgot your password?</h2>
<div class="c-rich-text">
<p>
</p>
<p>Please enter your email address.</p>
<p></p>
</div>
<div class="m-form__wrapper u-padding-top">
<fieldset class="o-grid o-grid--2@desktop o-gap">
<label for="email" class="a-field a-field--top-label js-form-field js-label-email ">
<span class="a-field__label"> Email address <span class="is-required" aria-label="required"></span>
</span>
<input data-val="true" data-val-email="The Email field is not a valid e-mail address." data-val-required="The Email field is required." data-webid="email" id="email" name="Email" type="text" value="">
<span class="field-validation-valid a-field__info js-info-email" data-valmsg-for="Email" data-valmsg-replace="false">Please enter Email address</span>
<small class="a-field__info " style="display: none;">Please enter Email address</small>
</label>
</fieldset>
<small class="grecaptcha-inform"> This site is protected by reCAPTCHA and the Google <a href="https://policies.google.com/privacy" target="_blank">Privacy Policy</a> and
<a href="https://policies.google.com/terms" target="_blank">Terms of Service</a> apply. </small>
</div>
<div class="c-account__cta" data-component-class="DataLayerPusher" data-component-parm="{"event":"forgotPassword"}" data-webid="DataLayerPusher"> <button class="a-btn a-btn--primary hide-icon js-input-resetpassword"
data-gtm-event="click" value="true" type="submit" data-webid="reset-password-button-submit">Validate</button>
<div class="c-rich-text"> You already have an account? <a data-a11y-dialog-hide="" data-dialog-show="myAccount">Sign in</a>
</div>
</div>
</div>
</form>GET /en-be/private/publication-subscriptions/
<form class="m-form" method="get" action="/en-be/private/publication-subscriptions/">
<input type="hidden" name="publication" value="">
<fieldset class="m-form__fieldset">
<div class="m-field">
<div class="m-field__input is-inline">
<input class="a-input a-input--text" type="email" max="40" name="email" placeholder="Your email address..." id="Subscribe">
<button type="submit" class="m-field__cta a-btn a-btn--secondary a-btn--icon" data-webid="footer-subscribe-button">
<span class="a-btn__icon">
<svg aria-hidden="true" focusable="false" height="18" width="22">
<use xlink:href="/Module/Projects/Candriam/DotCom/Components/Views/Svg/subscribe-icon.svg#subscribe-icon"></use>
</svg>
</span>
<span class="a-btn__label"> Subscribe </span>
</button>
</div>
</div>
</fieldset>
</form>Text Content
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LEGAL INFORMATION
Use of and access to this website are subject to acceptance of the terms and
conditions set out in the following "Legal Information".
1. Company information: On this website, "Candriam" is the name used to
designate all companies within the group Candriam. Candriam comprises the
following entities:
* Candriam
a partnership limited by shares ("société en commandite par actions") under
Luxembourg law and licensed management company of UCITS and AIFs under Trade
Register No. R.C.S.B. 37.647; having its registered office at, Serenity -
Bloc B, route d'Arlon 19-21, L-8009 Strassen, Luxembourg
* Candriam – Belgian branch
registered in the Register of Legal Persons (Register des Personnes Morales
in French) under No. RPM 0718.817.510 located at B-1000 Brussels, Avenue
des Arts 58.
* Candriam - Succursale française:
registered under Trade Register R.C.S. Paris 912.029.899located at F-75408
Paris, 40, rue Washington.
* Candriam – Succursale italiana (Italy):
registered under Trade Register No. 13228410158, located at Via dei Bossi
4, I-20121 Milano, Italy
* Candriam – Nederlands bijkantoor (The Netherlands):
registered under Trade Register KVK 24364887, located at Gustav Mahlerplein
3 (26th floor) 1082 MS Amsterdam.
* Candriam – Sucursal en España (Spain):
registered under Fiscal Identification Code W0181119I, located at Iberia
Mart I Calle Pedro Teixeira, 8 - Floor 4 E-28020 Madrid.
* Candriam – Zweigniederlassung Deutschland (Germany):
registered under Fiscal Identification Code HRB 78020, located at
Fellnerstraße 5, D-60322 Frankfurt am Main.
* Candriam– UK establishment (United Kingdom):
registered under Fiscal Identification Code BR015843, located at 200
Aldersgate Street, 13th Floor, EC1A 4HD London.
* Candriam – MENA Branch is registered with the Dubai International
Financial Centre as a Foreign Recognised Company (registered number CL
1095) and is located at Office 38, The Gate Village, Building 10, Level 3,
P.O. Box 506665, Dubai. Candriam (Firm Reference number: F003472) is
regulated by the DFSA and provides Financial Services only to Professional
Clients.
* Candriam Suisse (Candriam Switzerland LLC):
registered under Trade Register No. CHE-227.651.154, located at rue du 31
décembre 40-42, CH–1207 Geneva, Switzerland.
You can contact Candriam:
* https://contact.candriam.com
The editor responsible at law for this site is Vincent Hamelink (58 Avenue des
Arts, Brussels 1000 - Belgium)
2. Target groups and purpose of this website
This website, its contents, the results of automated processing, data and
information made available are exclusively intended for use by the persons with
the right to access to it. If your domicile or place of residence is in a
country where the use or the access to this information is prohibited, you are
requested to leave the site.
The contents of this website cannot at any time substitute for readers' own
research or their technical and/or business judgement based on their personal
situation. In no way should the information on this website be considered to be
an offer to buy or sell any financial instrument, neither should it be
considered to be advice of any kind, whether legal, accounting, fiscal or other.
For an offer and/or customized advice, do not hesitate to contact the entities
marketing Candriam’s financial products and/or services.
Neither the information nor the results supplied to visitors are intended to
encourage the latter to undertake a particular transaction, or advise in favour
of or against a particular transaction. Links to websites not controlled by
Candriam are intended only as a service to the visitor and do not constitute
advice, a form of advertising or a value judgement.
For any information related to the conditions under which Candriam may process
your personal data and the exercise of your individual rights on your personal
data please refer to section 10
3. Services available on this website
This website contains both informative data and a number of
interactive applications.
The interactive applications on this website are those which supply applications
on or via this website which enable visitors to enter certain kinds of
information and be notified of the result of their automated processing.
The results supplied to visitors are generated automatically on the basis of the
data supplied by the latter. Candriam is therefore not in a position to verify
data in any way.
All publications and information available on this website are for information
only, whether they have been supplied by Candriam or its selected third parties.
Candriam has exercised the utmost care as to the contents of the information and
data supplied as well as to the results of all automated processes, and
regularly updates this website. However, Candriam does not explicitly or
implicitly guarantee the completeness, accuracy and current applicability of
these data and applications, or of the results supplied to visitors via any
automated process.
4. Advertising
The current website comprises advertisements issued by Candriam concerning
Candriam services and products. Links and other references to third parties
which are not companies linked or associated with Candriam should not be
considered to be advertisements for such third parties.
5. Cookies
When you visit this website, Candriam will, in certain circumstances,
automatically send cookies to your computer. These are small applications which
are written on to your hard disk. They are quite harmless and intended to make
the site easier for you to use. For instance, this is how your choice of country
and language are recorded when you first visit the website, so that thereafter
you automatically access the website in the language you selected at the time of
your first visit. If you do not want these cookies written on to your hard disk,
you can set your browser in such a manner that they do not gain access to your
hard disk. However, in such cases, Candriam is not in a position to guarantee
the correct operation of the websites under its control. You can also delete the
cookies from your hard disk after each visit to the website.
Candriam will treat the information collected via these cookies in a fully
confidential manner, in accordance with the applicable best practices and with
the provisions of the applicable Belgian laws on data protection as related in
particular to the processing of personal information.
6. Viruses, Trojan horses and other malware
Candriam guarantees that all the data it includes on its website have been
previously checked to ensure that they are free of all viruses and/or malicious
software (e.g., malware, and Trojan horses). Candriam regularly inspects all
items on the website which can be downloaded by customers to their computer
systems to ensure that they are free of the virusesand/or malicious software.
Despite the high degree of caution exercised by Candriam, the swiftness of
change on the Internet and on Internet applications, as well as the development
of related risks means that Candriam is unable to guarantee that all information
is completely free of viruses at all times.
In view of the risks of Internet use, Candriam strongly advises visitors to
regularly scan all downloaded information, including that supplied by suppliers
the visitor considers to be trustworthy.
7. Liability: Candriam shall not be held liable for any of the following, except
in cases of malicious intent or gross negligence:
* any technical difficulty experienced by visitors to this website, whatever
the cause, including bugs, inadequate capacity, the visitors' own hardware,
software, browser, computer systems and their extensions, whatever their
nature, and the software which enables them to access the Internet and this
website; the customization, installation, maintenance, processing and
updating of the software, hardware, and computer systems and extensions
concerned by this point shall remain the visitor's sole responsibility;
* the consultation and/or use of the information on this website;
* any damage attributable to events or third party manipulations over which it
has no direct control, or force majeure, including damage relating to the use
of links providing access to the Candriam website from other websites not
under the control of Candriam, or to a website which looks like a Candriam
website, etc.
* any damage attributable to the exiting of the website or incurred after the
website has been exited, even when the website has been exited via a link on
the website;
* damage caused by errors, whatever their origin, which occur during the
automated processing of the data entered by the visitor in the interactive
applications, in so far as the interactive applications have not been
developed by Candriam and this is clearly specified by means of a logo or
other information;
* illegal access by a third party to, or illegal alteration by a third party of
the visitor's or Candriam's computer systems, programming, programming code
or software, as well as the ensuing direct or indirect damage;
* incomplete, inaccurate or obsolete data entered by the visitor when using the
interactive applications
* websites and website applications which are not managed by Candriam.
8. Applicable law and jurisdiction: Visitors agree that, insofar as allowed by
law, the supply of service and product information on this website, as well as
the publication thereof, are performed under Belgian law. The Brussels
law courts alone shall have jurisdiction in case of any dispute arising from the
information on this website, the following websites and web pages, and their use
by the reader. In such cases, only Belgian law shall apply.
9. Intellectual property rights : The contents of the Candriam website as well
as the information supplied therein, programmes, applications, trademarks and
logos are protected by intellectual property rights belonging to Candriam or its
suppliers. Readers/visitors to this website shall comply with these intellectual
property rights at all times and shall refrain from any infringement thereof and
from any other use for which prior authorisation has not been obtained from
Candriam.
No links whatsoever may be created from any other website to Candriam's websites
and/or web pages without the express written consent of Candriam.
This prohibition applies to all link types or techniques in which the name,
address or any other element belonging to Candriam is included or displayed on
another website, or which enable surfers to enter the Candriam website via this
other website.
10. Client Privacy Notice [Date of Issue : June 2021]
Candriam (referred t "we" or "our") is committed to respecting the privacy of
individuals, including its clients.
Candriam owns and operates the web site https://www.candriam.com
This Privacy Notice ("Notice") sets out the basis on which Candriam processes
personal data. Please read the following carefully to understand our views and
practices regarding how we handle personal data.
For the purposes of applicable data protection law (in particular, the General
Data Protection Regulation (EU) 2016/679 (the "GDPR"), each Candriam entity
referred to above is the "data controller" of your personal data.
Candriam Switzerland, has appointed as EU representative for GDPR matters
Candriam with registered address at 19-21 Route d’Arlon, L-8009 Strassen
Luxembourg; registered no. R.C.S. Luxembourg : B 180524.
Personal Data We collect
We may collect and process the following personal data:
* Information you give us:
* If you are enquiring about Candriam capabilities or services (including
when you are inquiring on behalf of your employer) then we may process your
personal data - including your name, gender, address, personal or
professional e-mail address and personal or professional phone number,
financial information, personal description, photograph, ID documentation
(including your passport or ID card), professional activity, marital
status, information about your dependents or beneficiaries.
* You and/or your employer may give us information about you during our due
diligence of your employer, when you complete a form on our site or by
corresponding with us by phone, e-mail or other electronic means, or in
writing. This includes information you provide when you create an account
on our site, subscribe to any of our services or reports, search our site,
make enquiries, , submit information or content to our site, when you
report a problem with our site or ask information via our site – including
your name, email address, gender, professional activity postal address,
telephone and fax.
* If you are interested in participating in social and entertainment physical
or digital event organized by Candriam to support our commercial
activities, then we may process your personal data - including but not
limited to your name, gender, address, personal or professional e-mail
address.
* Information we collect about you: With regard to each of your visits to our
site we may automatically collect the following information:
* technical information, including the Internet protocol (IP) address used to
connect your computer to the Internet, your login information, browser type
and version, time zone setting, browser plug-in types and versions,
operating system and platform; and
* information about your visit, including the full Uniform Resource Locators
(URL) clickstream to, through and from our site (including date and time);
products, services or issues you viewed or searched for; page response
times, download errors, length of visits to certain pages, page interaction
information (such as scrolling, clicks, and mouse-overs), and methods used
to browse away from the page and any phone number used to call us.
* Information we receive from other sources:
* We may also receive information about you if you use any of the other
websites we operate or the other services we provide.
* We are part of a global group of companies which manage funds and provide
other financial services. Where you have requested services which involve
one or more of our subsidiaries and/ or affiliates, we will tell you, and
we may receive relevant information from our subsidiaries and/ or
affiliates for the purposes of those services.
* We work closely with third parties (for example, banks and other financial
institutions, business partners, legal or other consultants,
sub-contractors in technical, analytics providers, search information
providers,) and may receive information about you from them.
* Information about other people: If you provide information to us about any
person other than yourself, such as other employees of your employer, or
persons accompanying you to social and entertainment physical or digital
event organized by Candriam to support our commercial activities you must
ensure that they understand how their information will be used, and that they
have given their permission for you to disclose it to us and for you to allow
us, and our outsourced service providers, to use it.
Purposes and Legal Basis for processing
We may ask you for consent to collect or process your personal data on certain
occasions, for example, and as stated below, where necessary in order to contact
you with information about products and services or events that might be of
interest to you or your employer.
We process your personal data when we need to do this to fulfil a contract with
you, including processing your personal data to give effect to your investment
in a Candriam fund, to verify your identity, or to otherwise provide services to
you.
We process your personal data when required by law to do so, such as if we
receive a request from law enforcement or other government officials.
We process your personal data when it is in our legitimate interests to do this
and when these interests are not overridden by your data protection rights. We
have carried out balancing tests for all the data processing we carry out on the
basis of our legitimate interests, which we have described above. You can obtain
information on any of our balancing tests by contacting us using the details set
out later in this Notice.
In particular:
* we use your personal data in order to effectively administer the Candriam
funds and our business;
* we use your personal data to undertake commercial and legal due diligence on
our clients and investors, in order to assess their activities and condition
in relation to their investments and the provision of our services;
* we monitor use of our websites, and use your personal data to help us
monitor, improve and protect our services and websites, both online and
offline;
* we monitor investor accounts to prevent, investigate and/or report fraud,
terrorism, misrepresentation, security incidents or crime, in accordance with
applicable law; and
* we will use personal data in connection with legal claims, compliance,
regulatory and investigative purposes as necessary (including disclosure of
such information in connection with legal process or litigation).
* We use your personal data or the personal data of the persons accompanying
you in connection with the organization of social and entertainment physical
or digital event to support our commercial activities.
Disclosure of Your Personal Data
We may share your personal data with our subsidiaries and/ or affiliates1.
Personal data will also be shared between the Candriam entities referred to
above, which manage Candriam funds, and the Candriam fund legal entities which
are SICAVs (Société d'investissement à Capital Variable).
We may also share your personal data with trusted third parties including:
* Legal or other advisers, consultants and other professional experts,
complainants, correspondents and enquirers, and suppliers and service
providers of any of the above, and each of their associated businesses;
* Business partners, suppliers and sub-contractors only for the purposes of
performance of any contract we enter into with them or you or your employer.
We take reasonable steps to ensure that our staff protect your personal data,
and are aware of their information security obligations; and
* Analytics and search engine providers that assist us in the improvement and
optimisation of our site.
We may disclose your personal data to third parties:
* If we sell or buy any business or assets, in which case we may disclose your
personal data to the prospective seller or buyer of such business or assets;
* If Candriam, its business, or its assets are acquired by a third party, in
which case personal data held by it about its users, suppliers, or customers
will be one of the transferred assets;
* If we are under a duty to disclose or share your personal data in order to
comply with any legal obligation, or in order to enforce agreements; or if we
reasonably consider this necessary; or to protect the rights, property, or
safety of Candriam, our users, our customers, or others; and
* For the purposes of crime prevention and fraud protection.
Marketing Communications
We, or trusted third parties on our behalf, may contact you by email or other
electronic means or post with information about products, services and events
that might be of interest to you. Where necessary, at the time that you provide
your personal data to us, you will be given the opportunity to indicate whether
or not you are happy for us to use your personal data in order to tell you about
such products or services or events.
You can unsubscribe from this at any time by emailing us using the contact
details provided below.
Where We Store Your Personal Data and How We Protect it
Some of the Candriam subsidiaries and/or affiliates and third parties to whom
Candriam discloses your personal data (as described above) may be located in
countries which are located in any country of the European Union but also
countries outside EEA that do not provide a level of protection to personal data
equivalent to that provided by your home country.
In order to provide adequate protection for these transfers, Candriam utilizes
transfer mechanisms recognized by your home country, which may include executing
appropriate contractual clauses based on and conforming to the EU model clauses.
To obtain a copy of the transfer mechanism, please contact us using the details
provided below.
We take reasonable steps to protect your personal data from loss or destruction.
Unfortunately, the transmission of information via the internet is not
completely secure. Although we will do our best to protect your personal data,
we cannot guarantee the security of your personal data transmitted to our site;
any transmission is at your own risk. Once we have received your personal data,
we will use strict procedures and security features to try to prevent
unauthorised access.
Your Rights
You have various rights with respect to our use of your personal data:
* Access: You have the right to request a copy of the personal data that we
hold about you. Please note that there are exceptions to this right, so that
access may be denied if, for example, making the information available to you
would reveal personal data about another person, or if we are legally
prevented from disclosing such information. You are entitled to see the
personal data held about you. If you wish to do this, please contact us using
the contact details provided below.
* Accuracy: We aim to keep your personal data accurate, current, and complete.
We encourage you to contact us using the contact details provided below to
let us know if any of your personal data is not accurate or changes, so that
we can keep your personal data up-to-date. You can also review and
correct/update some of your personal data by logging-in to your account on
our site.
* Objecting: In certain circumstances, you also have the right to object to
processing of your personal data and to ask us to block, erase and restrict
your personal data. If you would like us to stop using your personal data,
please contact us using the contact details provided below.
* Porting: You have the right to request that some of your personal data is
provided to you, or to another data controller, in a commonly used,
machine-readable format.
* Complaints: If you believe that your data protection rights may have been
breached, you have the right to lodge a complaint with the applicable
supervisory authority or to seek a remedy through the courts.
Please note that there are exceptions to these rights, if, for example, we are
under a legal obligation to continue to process your personal data.
As a reminder, in France by application of article 40-1 of the Law n°78-17 of 6
January 1978 on Information Technology, Data Files and Civil Liberties, you have
also the right to give instructions on the management of your personal data
after yourdeath.
When we ask you to supply us with personal data we will attempt to make it clear
whether the personal data we are asking for must be supplied so that we can
provide the products and services to you or your employer, or whether the supply
of any personal data we ask for is optional.
How Long We Keep Your Personal Data
We will retain your personal data for as long as we believe it necessary or
desirable to fulfil our business purposes or to comply with applicable law,
audit requirements, regulatory requests or orders from competent courts.
Personal data collected will be retained pursuant to our record retention
policy, and in most instances will not be retained longer than ten (10) years
from the date of last use.
Changes to our Privacy Notice
Any changes we may make to our Notice in the future will be posted on this page
and, where appropriate, notified to you by e-mail. Please check back frequently
to see any updates or changes to our Policy.
Contact Details
If you wish to exercise any of your legal rights, write to us at
DPO[@]candriam.com.
--------------------------------------------------------------------------------
1List of subsidiaries and affiliates are available on the following link:
Candriam - Succursale française: GENDER EQUALITY INDEX
In order to eliminate occupational inequality between women and men in
companies, the Ministry of Labour has introduced the gender equality index,
which is mandatory for all French companies with more than 50 employees.
The index is calculated out of 100 points on the basis of four indicators
* The gender pay gap,
* The difference in the distribution of individual raises,
* The number of employees given a raise on their return from maternity leave,
* Parity among the ten highest earners.
If the index comes in below 75 points, the company must implement corrective
measures to reach at least 75 points within three years.
Candriam France’s gender equality index for 2021 is 81 points out of 100.
This score encourages us to continue our commitment to promoting equality among
employees, whatever their role at Candriam.
Occupational equality between women and men in the selection process prior to
them being hired, as well as at all stages in their career, is a major issue to
which we pay the utmost attention.
Greater occupational diversity is a source of collective enrichment, economic
efficiency and social balance.
indicators score obtained 1- pay gap (%) 31/40 2- differences in individual
increases (in % or equivalent number of employees) 35/35 3- percentage of
employees given a raise on their return from maternity leave (%) 15/15 4- number
of employees of the under-represented gender among the ten highest earners 0/10
Total calculable indicators 81/100
2020: 75/100 (published on 22/02/2021)
2019: 84/100 (published on 21/02/2020)
Progress targets Gender Equality Index:
Although the data from the gender equality index does not show a significant pay
gap, the company has set itself the target of improving the situation, and more
specifically of reducing the pay gap in favour of men to below 10%. This
improvement target has been specifically set based on the results of the 2021
index, in order to improve the score obtained on the pay gap indicator.
The company specifies that, since the publication of the index in February 2022,
the latest measures for individual increases and changes in classification taken
in the context of individual interviews and the agreement of 28 January 2020
have made it possible to further reduce the pay gap between women and men.
The company also maintains its objectives of continuing to:
* avoid any discrimination in terms of salary and salary development,
particularly in relation to career development;
* aim for an equivalent percentage of men and women concerned by an individual
increase in their remuneration.
The Company undertakes not to create new pay gaps between men and women, under
any circumstances.
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