Preamble :


These General Terms and Conditions relate to the use of your personal online account.

The website provides general information given for indicative purposes only. The information is non exhaustive and non contractual in nature.

Although the content of the website is updated regularly, SwissLife and GROUPE HENNER HOLDING may not be held responsible for any information which has been subsequently altered.

Use of the website and/or the services it provides implies that you accept these General Terms and Conditions unconditionally.


General information :


SwissLife France, 7, Rue Belgrand- 92300 LEVALLOIS-PERRET - Tel: +33 (0)1 46 17 38 38 – RCS
Company Register No. 424 245 884 RCS NANTERRE with €678 352 700 capital
European VAT No. FR66 424245884

You can contact SwissLife by post at this address: Head offices: 7, Rue Belgrand- 92300 Levallois-Perret, France

1/ LEGAL NOTICE


In compliance with article 6 III 1 of Law No. 2004-575 dated 21 Jun 2004 for building confidence in the digital economy, we would like to inform you that:

  • This website is published by HENNER SAS, an insurance broker and administror – with capital of €8,212,500 - Paris Company Register No.B 323 377 739 - intra-community VAT No. FR 48323377739, ORIAS Insurance broker No. 07 002 039 (see www.orias.fr) - Governed by the ACP (Prudential Control Authority) - ISO 9001 certified company by Bureau Veritas Certification - Certificate No. 122190 – Head offices: 10 rue Henner -75459 Paris Cedex 09 - France;
  • Telephone number: +33 (0)1 40 82 44 44
  • This website is designed and hosted by GROUPE HENNER HOLDING, a simplified joint-stock company with €3,800,000 capital, listed on the Paris Business Registrar under No. 332 376 292, with its head offices located at rue Henner Paris Cedex France;
  • The Publication Manager is Mr Charles Robinet-Duffo, Chairman and CEO of HENNER


2/ EMAIL ADDRESS


If you wish to use our email services, you will need to provide us with your email address. Your email will be used in compliance with the law dated 21 Jun 2004 on building confidence in the digital economy. This implies that the user may at any time oppose the use of the address. Your prior consent will be obtained before we send any commercial offers to your email address.
The user may ask us at any time to stop using the email address for commercial purposes by writing to us at the following address: HENNER, 10 rue Henner – 75009 Paris or info@henner.fr.


3/ INTELLECTUAL PROPERTY RIGHTS


The entire content of the website is protected by the French Intellectual Property Code.

The reproduction or representation of the website in any format or by any means, in any language or country, free of charge or for a fee, in full or in part, by any means of distribution, in particular by internet, television, satellite, cable, or any other means of telecommunication or broadcast, is strictly forbidden.

This rule applies in all countries for the duration of the protection provided for by the French Intellectual Property Code for all types of use and on any current or future device, electronic or otherwise.

All brands mentioned on the website are filed with the French Industrial Property Institute, INPI, and as such are duly protected. The names of companies, products and services mentioned on the website remain the property of HENNER, GROUPE HENNER HOLDING, or one of their partners, and as such are duly protected.


4/ INFORMATION TECHNOLOGY AND FREEDOM


Certain questionnaires on the website are not compulsory. The user is therefore free to choose whether or not to fill them in.

Other questionnaires must be filled in to allow access to the website’s services, online management of certain sections of the user’s policy, and to allow HENNER to respond to the user’s request.

The information gathered is intended for use by HENNER as responsible for its processing, and if necessary, insurance or reinsurance companies for the purposes of administering the user’s contract. It may only be sent to an entity located abroad if required for administration purposes. It may be used by HENNER, GROUPE HENNER HOLDING or any member company of Groupe HENNER/GMC for administrative purposes, or for commercial offers which the user may be sent. The user retains the right to access and modify this information by writing to: HENNER, 10 rue Henner, 75459 Paris Cedex 9 ; or by email to: info@henner.fr


5/ LIMITED LIABILITY


HENNER, or GROUPE HENNER HOLDING may under no circumstances be held liable for direct or indirect damages resulting from the use of the website, in particular any financial loss, loss of data or programs, even if they are aware of the possibility of such damages occurring.

HENNER and GROUPE HENNER HOLDING remind the user that only the general terms and conditions upon subscription are have any legal value, as the content of these documents may be altered between the date the user views the site and the actual date of subscription.


6/ INSURANCE PARTNERS


HENNER’s insurance solutions are designed, distributed and administered by HENNER and/or the entities within the Group. They are backed by duly authorised insurance companies.

Each page of the website presenting the insurance solutions stipulates the insurer of that solution.


7/ TECHNICAL REQUIREMENTS


This website is designed for optimal display of 1024 x 768 pixels on modern browsers such as MOZILLA FIREFOX (3.6 and above), GOOGLE CHROME, MICROSOFT INTERNET EXPLORER (IE7 and above) or SAFARI.

In order to log on and access the various customised services on the website, the user must accept cookies and activate JAVASCRIPT.

Certain browsers allow the user’s ID and password to be memorised. However, for security reasons, we advise you to deactivate this option.


8/ COOKIES


Cookies save time for the user and by providing direct access to information. The cookies which collect information from the computer are used for the sole purpose of optimising and customising the user’s session on the website. The information collected by cookies is not saved or stored and is deleted at the end of the session. By refusing cookies, the user may be prevented access to some of the website’s functions.

However, the user may prevent cookies from being saved by adjusting the browser’s settings as follows:

For MOZILLA FIREFOX:

  1. Got to the "Tools" menu and select "Options"
  2. Click on "privacy"
  3. Under the "cookies" menu, select the desired options

For MICROSOFT INTERNET EXPLORER:

  1. Go to the "Tools" menu and select "Internet Options".
  2. Click on "Confidentiality"
  3. Select the desired level.

For OPERA:

  1. Under the "File" menu, select "Preferences"
  2. then Privacy.


9/ CONFIDENTIALITY WITHIN YOUR SESSION


Your session is fully secured, which ensures that the information you provide when performing certain tasks online remains confidential.


10/ PLUG-INS


Certain animations on the website were produced using Macromedia Flash (by Adobe Systems Inc.) and require the Adobe Flash Player plug-in (by Adobe Systems Inc.).
To obtain the plug-in free of charge, click on the logo below:

Get Adobe Flash Player

Certain documents which can be viewed or downloaded on the website are in PDF format and can only be opened using the plug-in Adobe Acrobat Reader (by Adobe Systems Inc).
To obtain the plug-in free of charge, click on the logo below:

Get Adobe Reader


11/ ONLINE PAYMENT


11.1. Payment information


Ogone is an electronic payment services provider for major banks (HSBC, Fortis, Société Générale, etc.), certified PCI-DSS (Payment Card Industry – Data Security Standard) by Visa and MasterCard. It is based on the identification process “3D Secure” (Verified by Visa, MasterCard, Secure code and JCBJ secure).


11.2. Cards accepted


Cards accepted for online payment include Carte bleue, Visa Eurocard, MasterCard and American Express.


11.3. Payment confirmation


Once a payment has been made, the status of the transaction is displayed on the website as proof of payment. An email is also sent to the client to confirm the payment of invoices.


12/ CHANGES TO THE GENERAL TERMS AND CONDITIONS


The publisher of the site reserves the right to modify the terms and conditions of this legal notice.

We therefore advise users to consult the website regularly for any amendments that may have been made.


13/ APPLICABLE LAW AND JURISDICTION


This website is governed by French law. In cases of dispute which cannot be resolved amicably, the only jurisdiction applicable are the French courts, and specifically, the Paris Court of Appeal.