General terms and conditions of use of the website


This website (hereinafter referred to as “the Site”) is published by Oney Bank – Société Anonyme with capital of €71,801,205 – 34 Avenue de Flandres, 59170 Croix – RCS Lille Métropole B 546 380 197 (hereinafter referred to as “Oney”).

Intracommunity VAT identification number: FR7154 6380 197

Oney is authorized as a credit institution by the Autorité de Contrôle Prudentiel (ACPR), 4 Place de Budapest CS 92459, 75436 Paris Cedex 09, and is subject to its supervision. Oney is also registered on the list of investment services providers (PSI). The list of approved ISPs can be consulted on the website of the financial agents register (

Publication manager: Jean-Pierre Charles, Managing Director

Host: ODISO – 125 avenue de la République-59110 LA MADELEINE – France

Contact: For any complaint, question or request related to the use of the Site, the User may contact the Oney sales department at the following address:


These general terms and conditions (“hereinafter the General Terms and Conditions”) apply to any person accessing this Site, hereinafter referred to as the “User”. Browsing this Site implies unreserved acceptance of the General Conditions.


The information communicated on the Site is the property of Oney and may only be used by the User for information purposes and personal use. Under no circumstances may the User modify, copy or reproduce, in whole or in part, the information communicated on the Site, nor transmit it by electronic or other means to the public, in particular for commercial purposes, without the express prior authorization of Oney. Any such action may be deemed an infringement of intellectual property rights and/or a tort liable to engage the civil responsibility of the persons responsible. The fact that Oney does not take legal action immediately after becoming aware of such conduct does not imply acceptance of the said conduct and does not imply waiver of legal action.

It is the User’s responsibility to take the necessary precautions against viruses and other harmful elements that may be introduced on the Site, in particular when downloading or selecting these pages.



In addition, the User authorises Oney to use this information for the purposes of the internal management of Oney, the User and their agents, suppliers and subcontractors, as well as for the marketing of Oney’s financial products to the User.

All trademarks, photographs, texts, comments, illustrations, images (animated or not), video sequences, sounds, as well as all computer applications that may be used to operate this Site, and more generally all elements reproduced or used on the Site are protected by current intellectual property laws.



1) Modification of the webSite

Taking into account possible extensions and improvements to the Consumer Service. Oney reserves the right to adapt or modify the scope of services offered on the Site at any time.

2) WebSite interruption

Oney shall in no event be held liable for the consequences of any failure, breakdown or interruption of operation preventing access to the Site or any of its functions for any reason whatsoever. Oney reserves the right, at its convenience, to interrupt all or part of the Site and related services, for any reason whatsoever and without having to justify its decision, and cannot be held responsible for the consequences of such interruptions.


1) Responsibility of Oney

Oney declines all responsibility in the event of difficulty or impossibility of accessing the website due to an Internet connection problem.

Oney shall not be liable to the User and/or third parties for any indirect damage, including but not limited to: loss of profits, loss resulting from interruption of service due to a connection problem, and failure to carry out or incorrectly carry out operations on the website.

Also excluded from Oney’s liability are elements beyond its control, in particular damage caused by the technical environment of Site Users and/or third parties, in particular computers, software, telephones and other IT equipment.

Users must take all necessary steps to protect their equipment and their own data against computer viruses and other harmful elements. Oney shall not be held liable in the event of a computer virus attack on the technical environment of the Site User and/or third parties.

Oney Bank may not be held liable in the event of legal proceedings against the website User.

2) User responsibility

The User accepts full responsibility for the operations he/she initiates and their consequences, and may not under any circumstances hold Oney liable in this respect.

Oney’s presentation elements and the information contained on the Site are provided for information purposes only and do not incur Oney’s liability.

The connection equipment used by the User to access the Site is the User’s sole responsibility. Users must take all appropriate measures to protect their equipment and their own data, particularly in the event of virus attacks on the Internet.


The Site contains hypertext links to partner sites. Oney declines all responsibility for the content of these sites, any changes made to them, their operating procedures or the impossibility of accessing them. The decision to activate these links rests exclusively with the Site’s Users.


These General Terms and Conditions are governed by French law. Any dispute relating to the interpretation or execution of the General Conditions and/or the use of the Site shall be brought exclusively before the French courts within the jurisdiction of Lille Métropole.



In accordance with the French Data Protection Act of January 6, 1978, the User has the right to access and rectify personal data. The information collected is intended for Oney and is necessary for the processing of your request. It will not be used by Oney for any other purpose.

To oppose or exercise your right of access, rectification, deletion, limitation or processing (law of 06.01.78), please write to : Oney Bank Customer Service. Correspondence : CS 60006 – 59895 Lille Cedex 9 – France. Service Réclamation on +33 (0)9 69 32 86 86 (cost according to operator).

You also have the right to lodge a complaint with the French supervisory authority or that of the country in which you are ordinarily resident.

For further information, please contact Oney’s Data Protection Officer at the following postal address: Oney – Délégué à la Protection des Données CS 60006 – 59895 Lille Cedex 9 – France, or at the following e-mail address:

The user expressly authorises Oney to store information concerning him/her collected within the framework of the Site in computer memory and to use it to meet its legal and regulatory obligations.

In addition, the User authorises Oney to use this information for the purposes of the internal management of Oney, the User and their agents, suppliers and subcontractors, as well as for the marketing of Oney’s financial products to the User.