Foreword
The editor of this website is PatrimOne a French simplified stock corporation, registered in the Commercial Register of Paris under the number 483 966 958, with a share capital of 811,668.90 euros, headquartered at 33 rue de Naples, 75008 Paris, France, ORIAS No. 07 004 900.

The publication manager is the Executive Management.
The editorial manager is the Executive Management.
Hosting is provided by OVH, 140 Quai du Sartel 59100 Roubaix, France.

PatrimOne is subject to the supervision of the French Insurance Supervisory Authority (ACAM – 61 rue Taitbout – 75436 Paris Cedex 09 – France).
Please read carefully these general terms of use (“the terms of use”).
By using this website, you agree to be bound by these terms of use, and in particular by the privacy policy of PatrimOne. If you do not agree to be bound by these terms, you should not access this website or view its contents.

General Terms of Use
1. While PatrimOne has taken considerable care to ensure that the information in this website is accurate when published, PatrimOne gives no warranty as to the accuracy or completeness of any information on this website and may not be held liable for any errors or omissions in such information.
2. Unless expressly indicated otherwise in this website, PatrimOne declines all responsibility as to the contents or use of the website or of any messages you send or receive.
3. All current copyrights, trademarks and other intellectual property rights relative to this website are the exclusive property of PatrimOne. You acknowledge that you do not acquire rights in this website other than the limited right to its use in accordance with these terms. You agree to protect the ownership rights of PatrimOne and accept to promptly notify PatrimOne in writing (at the address provided below) in the event you should have any knowledge of the unauthorized access or use of the website in violation of any one of these ownership rights.
4. You are authorized to print or download information and content from this website but only for personal, non-commercial use or for non-commercial use by your departments. You are prohibited from offering for sale or selling or publishing on any media whatsoever any portion of this website or of its contents. You are prohibited from making any part of this website available on another website, either by the use of a hyperlink or by any other means whatsoever without the prior written consent of PatrimOne. To obtain written consent, you must send a request by e-mail or by post to PatrimOne (contact details below) and include the following information: a) your name or the name of the technician responsible for the hyperlinks; b) the name of your company; c) your e-mail address and your telephone number or the e-mail address and telephone number of the technician responsible for the hyperlinks; and d) the website address or addresses to which the hyperlinks will point. You are not authorized to use the PatrimOne name or to misuse the PatrimOne brand by any means whatsoever. The aforementioned use or misuse is determined solely at the discretion of PatrimOne.
5. You are not authorized to use this website for any illegal purpose whatsoever, and you agree to refrain from sending, using, copying, placing information online or authorizing the placing of documents online that are defamatory or obscene or insulting, indecent or that would invade the privacy of any individual. You accept to refrain from sending any unsolicited promotional media or advertisements, spam or any related media or chain messages that could interfere with the operation of this website or with the use of this website by other visitors.
6. PatrimOne reserves the right at any time and without prior notice to improve, modify, suspend or permanently or totally cease the totality or any portion of this website and to restrict or deny its access.
7. The information that you communicate will be treated as strictly confidential and will not be disclosed in any manner other than that stipulated in our privacy policy or in accordance with your instructions. In the normal context of our service offer to our customers, information may be shared within Patrim One, used for research and statistical purposes and also as part of our crime prevention efforts. This information may be transferred to any other country, including countries outside the European economic area, for any purpose whatsoever and for reasons related to system management. They may also be used to provide our clients with information on products and services that we believe would be of interest to them. Whenever our clients communicate personal information to us (names, addresses, or other information related to living persons), we will retain and utilize these data in order to provide general insurance services and other services to these clients, on the assumption that the persons concerned by these data have been informed of the purposes for which they have been obtained as well as of the fact that they may be communicated within PatrimOne.
8. Under these terms of use, you agree to indemnify PatrimOne for any costs, claims, losses and damages (including legal expenses) made or brought to PatrimOne as a result of your misuse of this website or your breach of these terms.
9. Although this websites provides links to other websites, Patrim One exercises no control whatsoever over the latter. PatrimOne accepts no responsibility with regard to the accuracy or any other aspect of the contents or with respect to the security or any other activity carried out on theses websites. Any use of these websites is done at your own risk.
10. In the event of any violation of these terms, PatrimOne may, at its own discretion, suspend your access to this website and refuse to reinstate such access for an undetermined period.
11. This website is made available to you free of charge and with no guarantee of any kind, unless expressly stipulated otherwise, and PatrimOne accepts no responsibility whatsoever for damages (with exception to bodily injury or death) regardless of their legal basis that may arise from the use of or in relation to this website. Your only recourse is to discontinue use of this website. PatrimOne’s liability shall not be limited in the event of death or bodily injury directly caused by its negligence.
12. These terms of use may be modified at any time by PatrimOne whenever deemed necessary. The use of this website subsequent to these changes implies your explicit acceptance of the latter.
13. These terms of use and the contents of this website are governed by French law and French courts have exclusive jurisdiction in settling any dispute that may arise
14. Any questions or requests that you may have in respect of this website or of PatrimOne must be sent to the following address:
PatrimOne
33 rue de Naples
75008 Paris

Information on Cookies

In order to improve the quality of our services, our website installs cookies (computer text files harmless to your system) on your device (computer, tablet, cellphone, etc.) whenever you navigate our website.
These cookies are only used to:
– establish website use statistics (number of visits, of pages viewed, activity performed on the website, etc.) in order to monitor and improve the quality of our services.
– adapt the format of our website to your device’s display preferences (screen layout, language, etc.).
At no time do we use cookies to display targeted advertisements based on your navigation history, for example.
This website makes use of Google Analytics as well as cookies used solely for the purpose of statistical data interpretation.

Blocking cookies
There are different ways of managing cookies. However, the settings that you select may modify the way you navigate the Internet on a daily basis. In fact, access to some web services require that you accept the use of cookies.
For your information, if your browser is set to block cookies for our website, you will be unable to access its essential features. It is for this reason that we advise you to choose the optimal settings for your browser.
Please find below information on how to choose the optimal settings for the main browser types.
Internet Explorer
1. In Internet Explorer, select the “Tools” button, and then select “Internet options”.
2. Select the “Privacy” tab.
3. You may then select the desired cookie settings using your cursor. If you select “Advanced”, you may manage the advanced cookie settings manually.
4. Save your preferences by clicking “OK”.
Mozilla Firefox
1. In the menu at the top of the page select “Tools” then “Options”.
2. Select the “Privacy & Security” panel.
3. Under the title “History”, in the “FireFox will:” drop-down menu, select “Use custom settings for history”
4. The settings displayed will enable you to select your cookie preferences and the duration they will be kept on your device (Block all cookies, Block third-party cookies only, etc.)
5. Save your preferences by clicking “OK”.
Google Chrome
1. Go to the Google Chrome menu icon in the top right corner of the navigation bar and click “Settings”.
2. Click “Show advanced settings” at the bottom.
3. In the “Privacy” section, click the “Content settings” button.
4. Choose your cookie preferences, select “Block third-party cookies”.
Safari
1. From the menu at the top of the page, click on “Safari”, then “Preferences”.
2. Click “Privacy”.
3. Choose your cookie preferences (“Block third-party cookies”).
Each browser is configured in its own unique way. The configuration is described in your browser’s help menu. This enables you to understand how to modify your cookie preferences.