Legal Notice

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Legal notices

Acceptance of the conditions of use of the BCEE site

You are connected to the site of Banque et Caisse d'Epargne de l'Etat, Luxembourg (BCEE).


Registered office:
1, Place de Metz

Postal address:

Telephone switchboard:
(+352) 4015-1
Téléfax: (+352) 4015-2099

Independent public establishment

Registration number in the Luxembourg Commercial Register B 30 775
VAT Identification Number: LU 11408778

BCEE is registered on the official list of Luxembourg financial institutions held by the Financial Services Industry Regulatory Commission (CSSF).

Regulatory authority:
Financial Services Industry Regulatory Commission (CSSF)
283, route d'Arlon


Personal data

Access to some pages on the site is subject to prior registration of some personal data concerning the users. BCEE only stores data which is useful in the context of the provision of its services, either on electronic media or in any other form.

The personal data that the users disclose to BCEE is confidential, and will not be transmitted under any circumstances to third parties without their prior consent, and only in accordance with the provisions of Luxembourg law concerning banking secrecy.

BCEE undertakes to make every endeavour to ensure that the personal data supplied by site users is transmitted via a secure means, but reminds users that secrecy of correspondence is not guaranteed on the Internet.

Users accept that any use of the site is made under their own responsibility.

In accordance with the legislation on protection of personal data, users have the right to access and correct the data concerning them. They may exercise these rights by sending a written request to BCEE at the address mentioned above, enclosing a copy of their identity card.

Users of the BCEE site are informed that during their access to this site, information may be stored temporarily in memory or on their computer equipment, particularly to facilitate navigation on the site ("cookies"). Users of the BCEE site acknowledge that they have been informed of this practice, and authorise the Bank to use it.

By disclosing their telephone number(s) or their e-mail address on the BCEE site, users accept that the Bank may provide them with information, either by telephone or by e-mail.

Users who have asked to receive information by SMS or other means of communication which entail charges, declare that they will pay any charges billed to them.

Conditions of access and use

This site is intended for customers of BCEE and parties interested in the products and/or services offered by this institution.

This site is subject to the law of Luxembourg.

BCEE undertakes to comply with all Luxembourg laws and regulations concerning the operation of an Internet site.

It is pointed out that mail secrecy is not guaranteed on the Internet, and that it is up to each Internet user to take all appropriate measures, so as to protect his/her own data and/or software from corruption by any viruses that may be circulating on the Internet.

The site is hosted by ebrc, 5, rue Eugène Ruppert, L-2453 Luxembourg, Grand-Duchy of Luxembourg.

Information provided to the user

Although BCEE takes all necessary steps to ensure that information and data published on the site is correct, this is provided for information only. BCEE cannot be held liable for inaccurate, incomplete or erroneous information, or for falsified or manipulated information.

This information does not constitute, under any circumstances, an offer or an invitation to purchase or sell. It does not constitute legal, accounting, or tax advice, and is only valid at the time at which it is given.

The dissemination of this information, in particular that concerning investment funds, is limited or regulated by the laws of certain countries. In the latter case, the dissemination of this information and subscription to the said investment funds is prohibited, or subject to the prior authorisation of the appropriate authorities. BCEE draws the attention of visitors to this site to the fact that this information is not intended for natural or legal persons who, by virtue of their nationality, are subject to foreign legislation that prohibits or restricts the dissemination of such information.

The persons concerned, particularly, but not exclusively, American, Canadian and British citizens, are requested to enquire about restrictions that apply to them.

The BCEE site has information that is made available by third parties or via hypertext links to other sites. The existence of a link from the BCEE site to another site does not constitute a recommendation or a validation of this site or its content. BCEE cannot be held liable for information, opinions and recommendations formulated by those third parties.

BCEE reserves the right to modify the content of the site or to make it inaccessible.

Information about the risks of financial instruments

Issuing instructions requires full knowledge of the regulation and the operation of markets. It is intended for a knowledgeable clientele, well aware of the rapid fluctuations that may occur on certain markets, and their speculative nature, or their lack of liquidity.

Users of the site should read carefully the document entitled "Investing - A guide for the Investor" which may be consulted on the site and in BCEE branch offices. By doing so they get the necessary information enabling them to assess the character of transactions and the specific risks that these transactions may entail.

If they consider that they do not have full knowledge about the securities in which they are considering investing, or that they lack information about a transaction that they are considering entering into, they must contact their usual branch office beforehand, in order to determine whether the investment concerned is compatible with their profile and their investment objectives.

BCEE declines any liability concerning the appropriateness of a transaction performed on the basis of an instruction issued, or the compatibility of that transaction with the customer's profile.


All trade marks, logos or items appearing on the pages of this site are the exclusive property of BCEE. Any reproduction, representation or dissemination, in full or in part, of the content of this site on whatever medium or by whatever process it may be, constitutes an infringement of copyright and is prohibited without the express authorisation of BCEE.

The creation of hypertext links to this site is subject to the prior consent of BCEE.

Organisation of contests, tombolas or lotteries.

The organisation of contests, prize draws for advertising purposes or lotteries is subject to the provisions of the law of July 30, 2002, which regulates certain business practices and punishes unfair competition.

User name, password

The user is solely liable the safe keeping and maintaining the confidentiality of his/her passwords to the secure services provided by BCEE.

The user undertakes to inform BCEE immediately of any unauthorised use of his/her account or any breach of security.

The user grants BCEE the right to end all or part of the right of access corresponding to its identification parameters.

Cookie policy

What are cookies?

Cookies are small text files used to track the surfer’s Web behaviour. The collected data is used to evaluate our site content in order to improve information and services available.

How to manage cookies?

The configuration and customisation of cookie settings depend on the internet browser you use (via the “Tools” menu in general).

You may decide yourself if our Internet sites should be authorised to use cookies on your computer. You also have the possibility of having a warning message shown each time before a cookie is accepted.

Furthermore, you can at any time delete the cookies already stored.

Should you refuse to allow our Internet sites to use cookies, we would like to point out that certain functions on our Internet sites may be limited or deactivated. Thus, refusing our session cookies will prevent you from logging on to our e-banking sites.

In order to simplify the use of our Internet sites, we recommend you to configure your browser in such a way that the cookies of our internet sites are accepted.

What types of cookies do we use?

When you visit our websites, the following cookie types are used:

  • First party Cookies
    These cookies are saved by our websites and are only read by the website which saved them (Information concerning your devices, the display styles of the site and your preferences concerning social sharing).
  • Third party Cookies
    These cookies are saved by third parties, for instance Google Analytics to establish statistics, YouTube for videos, Facebook to optimise targeting of our activities on the network and other social sharing networks when the social sharing services are activated, ...

Google Analytics

This site uses Google Analytics, a website analysis service provided by Google Inc. (“Google”). Google Analytics uses cookies and the information generated will be transmitted to and stored by Google on servers in the United States of America. Google will use this information for the purpose of analysing your Web behaviour, compiling reports on website activity for the website operator and providing other services relating to the use of the website and the Internet. Google may also transmit this information to third parties where required to do so by law, or where such third parties process the information on behalf of Google, including in particular the operator of this website. Google states that it will not associate your IP address with any other data held by Google.

You can disable cookies by selecting the appropriate settings on your browser. However, disabling cookies may prevent the use of certain functionalities of the website.

By using this website, you explicitly consent to the processing of your data by Google in the manner and for the purposes set out above.

Usage of social media services - 2 clics for a better data protection

As a standard, social media (Twitter, Facebook and Google+) share buttons are deactivated on BCEE’s websites. In order to share information with Twitter, Facebook and Google+ you first have to activate these buttons.
The share buttons for Twitter, Facebook and Google+ can be permanently activated or deactivated.


Users accept that any use of the site is made under their own responsibility. BCEE declines all liability for direct or indirect losses that may be caused by the use of the site, particularly in relation to a break or cessation of the operation of the site, or a dysfunction of the site, which may result from a shutdown for maintenance or upgrade of BCEE's computer systems, technical faults or network overloads, faults in telephone lines, errors, negligence or misdemeanours by suppliers, Internet services or a third party, or a virus acquired via the Internet.

Competent court and applicable law

Any disputes relating to the use, interpretation or execution of the information and data appearing on this site shall be submitted to the Luxembourg courts.

The applicable law is the law of Luxembourg.


Only the French version of this site is authoritative.