Fonds de Garantie des Dépôts et de Résolution - FGDR
The FGDR is the organization whose mission is to protect customers from a failed bank or an investment service provider.
Important legal information - Please read the disclaimer before proceeding. This website (hereinafter the “Site”) is not intended for persons in jurisdictions in which (for reasons of residence, nationality or other reasons) the publication of or access to the site is not permitted. Persons subject to these restrictions are therefore not authorised to access this website. Products and services shown on this website may not be available to persons resident in (or citizens of) particular countries.
In accessing the Site and the pages thereof, the user acknowledges and approves the following conditions of use, which may, however, be subject to change.
Use of the Site
The entire content of this Site is subject to copyright with all rights reserved. You may download or print out a hard copy of individual pages and/or sections of the Site, provided that you do not remove any copyright or other proprietary notices. Any downloading or otherwise copying from the Site will not transfer title to any software or material to you. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose the Site without the prior written permission of the bank.
Nothing on the Site should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction.
When you access certain links on the Site you may leave the Site. The bank has not reviewed any of the websites linked to the Site and does not endorse or accept any responsibility for the content of such websites nor the products, services other items offered through such websites.
While the bank uses reasonable efforts to obtain information from sources which it believes to be reliable, it makes no representation that the information or opinions contained on the Site is accurate, reliable or complete. The information and opinions contained in the Site are provided by the bank for personal use and informational purposes only and are subject to change without notice. Nothing contained on the Site constitutes investment, legal, tax or other advice nor is to be relied on in an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.
Statements regarding the future
The Site may have content relating to the future, and, as such, the content reflects the opinions, expectations and forecasts of the bank, which may, however, not materialise due to numerous undefined factors. The bank is not obliged to update or amend the contents of the Site regarding the future based on new information or other factors and is free to alter the information published on its Site at any time without having to provide any reasons.
The information and opinions contained on the Site is provided without any warranty of any kind, either express or implied.
The bank and/or its directors, officers and employees may have or have had interests or positions or traded or acted as market makers in relevant securities. Furthermore, such entities or persons may have or have had a relationship with or may provide or have provided corporate finance or other services to or serve or have served as directors of relevant companies.
The past is not necessarily a guide to the future performance of an investment. The value of investments may fall as well as rise and investors may not get back the amount invested. Changes in rates of foreign exchange may cause the value of investments to go up down.
Limitations of Liability
In no event, including (without limitation) negligence, will the bank be liable for any loss or damage of any kind, including (without limitation) any direct, special indirect or consequential damages, even if expressly advised of the possibility of such damages, arising out of or in connection with the access of, use of, performance of, browsing in or linking to other sites from the Site.
The user notes that access to the Site could be affected by interruptions or errors or result in the transmission of viruses or other malware. The bank does not guarantee that such issues will be corrected. The bank does not accept any responsibility relating to the Site and in particular as a result of the use of the Site or of missed opportunities to use the site.
Local Legal Restrictions
This website is not intended for persons in jurisdictions in which (for reasons of residence, nationality or other reasons) the publication of or access to the site is not permitted, including but not limited to the USA, the UK, Canada and Japan.
Persons subject to these restrictions are therefore not authorised to access this website.
This website is administered by the bank.
Purposes of Processing
The bank collects and processes information about customers and visitors to its website to conduct its business, to inform and make available products and services that may be of interest to you and for the development of web statistics. The information you provide will be used to contact you when necessary, e.g. to notify you about functionality changes to the website and to offer services that you may find helpful (provided you have not opted out to receive such services).
The bank does not seek to collect sensitive personal data (such as data revealing political opinions, religious beliefs or data concerning health or sex life) through this site. If the bank does seek to collect such data, your prior consent hereto will be asked. Please note that, by providing the bank with unsolicited sensitive personal data you consent to our using those data as described above.
The bank may gather and analyse information regarding usage of this website, including domain name, the number of hits, the pages visited, previous/subsequent sites visited and length of user session. This information may be gathered by using a cookie. A cookie is a small text file placed on your hard drive by our web page server. You can choose whether or not to use a cookie by altering the settings of your browser. A cookie will make the use of this website faster and easier.
Third Party Sites
The respective identification icons on the Site allow social media users to insert links from the Site pages in their profile (and to save them as favourites or share them with their contacts). The user acknowledges that in doing so he/she is sending identification data to the social media platform and that the bank does not check or approve any activity carried out via social bookmarks.
Diverging supplementary conditions
Some sections of the Site may contain additional terms and conditions or exclusions from confidentiality and/or liability, which prevail – for the sections in question – if they differ from these conditions for the use of the Site.
EFG Entities are committed to protecting your Personal Data by complying with bank-client confidentiality as well as data protection laws and regulations (including the Regulation (EU) 2016/679 (“GDPR”) when it is applicable).
This Privacy Notice shall provide current and potential clients of EFG with an overview of how we process your Personal Data. The extent of the rights and obligations described herein should be interpreted in light of the legislation/ regulations applicable to the data subjects concerned.
In this Privacy Notice ‘we’ refers (as applicable) to any subsidiary or entity of EFG International Group (‘EFG Group’).
This Privacy Notice applies to clients and prospective clients of EFG Entities (“you”). This Privacy Notice covers Personal Data that is held electronically and also applies to paper-based filing systems.
(a) Explanation of terms used in this Privacy Notice
Personal Data means information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
Special Category Personal Data means information revealing racial or ethnic origin, political opinions, religious or similar beliefs, trade union membership, physical or mental health conditions, sexual life, sexual orientation, biometric or genetic data.
EFG Group means the group of companies composed of EFG International AG and its affiliates (where an “affiliate” of, or a person “affiliated” with, a person is a person that directly, or indirectly through one or more intermediaries, controls, or is controlled by, or is under common control with, the person specified and “control,” including the terms “controlling,” “controlled by” and “under common control with,” means the possession, direct or indirect, of the power to direct or cause the direction of the management and policies of a person, whether through the ownership of voting shares, by contract, or otherwise).
2. Information and Data Security
It is our policy to protect your right to privacy. We will take reasonable steps to ensure that adequate technical and operational security measures, confidentiality obligations and compliance procedures are in place to prevent inappropriate access to, disclosure, alteration or deletion of, Personal Data.
In addition, where required, we limit access to your Personal Data to those employees, agents and contractors who have a business need to know these data. Our agents and contractors should only process your Personal Data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so.
3. Types of Personal Data collected
In the course of providing services to you, we may process Personal Data and Special Category Personal Data. This typically includes the following information relating to you:
(a) Information received from you, including:
(b) Information received from third parties, including:
(c) Information specific to our services, including:
(d) Special Category Personal Data
In some cases (where permitted by law), special categories of personal data, such as your political opinions or affiliations, health information, racial or ethnic origin, religious or philosophical beliefs, and, to the extent legally possible, information relating to criminal convictions or offences.
If relevant to the services we provide to you, information about your additional card holders or account holders, business partners (including other shareholders or beneficial owners), dependents or family members, representatives, and agents. Before providing us with this information, you should provide a copy of this notice to those individuals.
4. How we collect your Personal Data
We collect your Personal Data:
5. Sources of Personal Data
We collect your Personal Data:
6. How we use Personal Data
We are a data controller which means that we are responsible for deciding how we hold and use Personal Data about you. We may use your Personal Data before, during and after our relationship ends with you.
(a) Legal basis for using your Personal Data
We will only use your Personal Data when the law allows us to. Most commonly and depending on the situation in which we will use your Personal Data (see paragraph (b) below), we will use your Personal Data in the following circumstances:
We may also use your Personal Data in the following less likely situations:
(b) Situations in which we will use your Personal Data
The situations in which we will process your Personal Data are listed below.
(c) If you fail to provide Personal Data
If you fail to provide certain information when requested, we may not be able to enter into a contract with you/ perform the contract we have entered into with you, or we may be prevented from complying with our legal obligations (such as to complete our “know your client” checks). Please note that EFG may still process any available Personal Data.
7. Recipients of your Personal Data
We (and those parties to whom Personal Data is disclosed) may disclose Personal Data in the situations described below:
8. Overseas transfers
The recipients referred to in section 7 above may be located outside of Switzerland and the European Economic Area. In those cases, we seek to ensure that transfers to such recipients are conducted according to appropriate safeguards set out in data protection laws.
9. Retention of Personal Data
We will retain Personal Data for as long as necessary to fulfill the purpose for which it was collected or to comply with legal, regulatory, accounting, reporting or internal policy requirements. To determine the appropriate retention period for Personal Data, we consider the applicable legal requirements, as well as the amount, nature, and sensitivity of the Personal Data, the potential risk of harm from unauthorized use or disclosure of your Personal Data, the purposes for which we process your Personal Data and whether we can achieve those purposes through other means.
Further information on the retention periods of Personal Data can be requested from your Client Relationship Officer and/ or the Data Protection Officer/ the Privacy Officer of the EFG Entity that supports you.
10. Your rights and duties
(a) You duty to inform us of changes
It is important that the Personal Data we hold about you is accurate and current. Please keep us informed if your Personal Data changes during your relationship with us.
(b) Your rights in connection with Personal Data
Under certain circumstances, and subject to applicable law, you have the right to:
If you want to exercise your rights, as per above, please contact your Client Relationship Officer and/ or contact the Data Protection Officer/ the Privacy Officer of the EFG Entity that supports you by sending a letter.
The exercise of some of these rights may result in an EFG Entity no longer being able to provide a product or service to you.
Finally, you have the right to lodge a complaint with a supervisory authority.
(c) No fee usually required
You will not have to pay a fee to access your Personal Data (or to exercise any of the other rights). However, we may charge a reasonable fee depending on the nature of the request and applicable regulation.
(d) What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to ensure that Personal Data is not disclosed to any person who has no right to receive it.
(e) Queries relating to the processing of your Personal Data
If you have a query regarding the processing of your Personal Data please contact your Client Relationship Officer and/ or the Data Protection Officer/ the Privacy Officer of the EFG Entity that supports you.
11. Changes to this Privacy Notice
We reserve the right to update this Privacy Notice at any time, and we will notify you either in writing or by updating this Privacy Notice on our website at: https://mc.efgbank.com/dataprivacy. We may also notify you in other ways from time to time about the processing of your Personal Data.
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