Legal Notice

Website terms of use

Applicable law.
Navigation on this site is subject to the Regulations in force and to these conditions of use.
As these are updated regularly, you are invited to consult this page each time you connect to the site.
The documents, information and service offers posted on the site are intended for French residents.
Internet users who do not have this status take sole responsibility for opening the various pages of the site.
You are informed that everything you view and read on this site is protected by intellectual property rights.


* All works appearing on the site, in particular on images, texts, iconographic and photographic representations and downloadable documents from the site are protected by intellectual property rights.
* Photo credits: the Patrimonial Management area of ​​ uses photos of Roset line products, with their kind agreement.
* Reproduction and / or representation of all or part of this site, on any medium whatsoever, is therefore strictly prohibited without prior written consent. of the Director of Publication

Information provided by Internet users

Confidentiality and integrity
My online banking and Elys PC are completely secure. Indeed, apart from a secure environment such as My online bank or Elys PC, the confidentiality and integrity of information are not guaranteed on the Internet. Therefore :
- The messages you send us via the Internet may be intercepted and / or modified (both in their content and in their origin)
- As personal information is not protected on the Network, we advise you to use the postal service to communicate it to us.

Personal informations
As part of this site, you will be required to provide us with personal data (identification, personal and professional situation, economic and financial situation, connection data) that may be subject to automated processing.
If this is the case, you can exercise your rights of access, modification, deletion and rectification with the Editorial Manager, in accordance with to the provisions of law n ° 78-17 of January 6, 1978 relating to data processing, files and freedoms, or send a letter on plain paper To find out more, consult the PAYSIMA France site, page "Legal notices", section "PAYSIMA Data protection".

Non-personal information
Any non-personal information that you transmit or disseminate on the site (by e-mail or by fax or regular mail) may be used by PAYSIMA for all purposes, commercial or not, and in particular be reproduced, disclosed or transmitted on any known medium. or to come.

Hypertext links and viruses

It is expressly recalled that PAYSIMA has no control or responsibility for the creation, in particular without its knowledge, of links to sites outside PAYSIMA and for the content of said sites or their level of security. Also, you agree that your choice to access another site, via a hypertext link, is made at your own risk. Consequently, any direct or indirect damage resulting from your access to another site linked by a hypertext link, from the consultation of this other site, from the use of the information obtained via these hypertext links and / or from contracts subscribed on the basis PAYSIMA cannot be held responsible for these hypertext links or the information they provide.

In general, it is your responsibility to take the necessary precautions to ensure that the site you select is not infested with viruses or any other parasite of a destructive nature.

Under no circumstances can PAYSIMA be held liable for direct or indirect damage resulting from the use of its website or of other sites linked to it.

The creation of a link to this site in any form whatsoever, concerning all or part of the information appearing on the site, must be subject to the prior written authorization of PAYSIMA.

Information about "cookies"

We use cookies on our site in order to allow more efficient navigation for users.

These cookies allow you to log into your online banking services, choose your login preferences, subscribe to online products and services, and use tools.

To find out more, visit the website, the section on Managing cookies.

Use of the site

In the secure areas, you, as a client, can transmit transfer orders, stock market orders and access financial information. The following provisions are expressly brought to your attention:

  • Only account statements, portfolio statements, periodic transaction notices provided by post or made available on the site in electronic format as part of a specific subscription will be authentic. The other information displayed in the secure areas is for information only (bank card statement, portfolio statement, etc.). The responsibility of PAYSIMA France cannot be sought because of the incomplete or inaccurate nature of such information.

    For transactions on the stock exchange, PAYSIMA acts as custodian account keeper and receiver transmitting orders on behalf of third parties.

  • All general information of an economic, stock market or financial nature that may be provided to the customer will be provided for information purposes only and PAYSIMA declines all responsibility for the use that may be made of this information by these customers. This information is of a general nature, is not intended to apply to the personal situation of Internet users and does not in any way constitute professional or legal advice. This information can be modified at any time and PAYSIMA uses all the means necessary to disseminate current and accurate information but can in no way be held responsible for any errors or omissions that the pages of this site contain, of their possible consequences for Internet users.

  • In the event of a dispute between the customer and his telecommunications operator or any other operator or intermediary, or in the event of a malfunction of the computer or the mode of access belonging to the customer, of the Internet Network and of access to this Network, whatever '' be the cause or the origin, the responsibility of PAYSIMA France can not be engaged, if this resulted from the difficulties of transmission and routing of the client's instructions within the normal deadlines (stock market orders, transfer orders )

  • Customers who wish to place stock market orders online, in particular on the Euronext markets, declare that they are fully informed of the operating conditions and mechanisms of the markets on which their orders are placed. In particular, he declares that he is aware of and accepts the risks inherent in transactions on these markets, in particular due to their speculative nature or their possible lack of liquidity. The intervention of PAYSIMA France in the reception, transmission and execution of client orders will not imply any assessment on its part of their advisability, which will be the sole responsibility of the client. However, when the client wishes to Carry out a transaction on financial instruments with which he is not familiar or of which he does not appreciate the risk, it is recommended that he, before placing the order, carefully read all the documentation put in place. line and to request any additional information from PAYSIMA France, directly from its branch or from the Client Relations Center and, if applicable, to request any useful document.

    Before investing in a French or foreign UCITS, the client must imperatively and carefully read the French version of the Key Investor Information Document (KIID) and its prospectus, regulatory documents approved by the Authority. Financial Markets (AMF) or the Authority of the UCITS 'home country, available from PAYSIMA branches. Before any investment decision, it is up to the client to ensure that the medium (s) considered correspond to his financial situation, his investment objectives, his sensitivity to risk, as well as the Regulations to which he is subject ( and in particular the local legislation to which it would possibly be subject). We invite the client to get closer to his usual advice in order to support him in his investment decisions.

  • Supplier Information

    Certain information appearing on the secure site comes from companies specializing in the supply of financial or stock market data, they are provided for informational purposes only and do not constitute an invitation to sell or buy. This information will be used by the customer under his sole responsibility.

    PAYSIMA France and the supplier companies can in no way be held responsible for any errors or omissions that the pages of this site contain or for decisions taken by customers on the basis of this information and for any financial losses suffered by these deniers.

    Information from suppliers, like all the information on the PAYSIMA France site, is protected by national and / or international laws on intellectual property and copyright.

    Reproduction and / or representation of all or part of this site, on any medium whatsoever, is therefore strictly prohibited without the prior written consent of the supplier concerned.

    Stock market prices are transmitted by Thomson Reuters.

    The Euronext Paris, Lisbon, Brussels, Amsterdam prices are :

    - in real time for customers with the Real Time subscription

    - in deferred time for customers holding a Deferred Time subscription (at least 15 minutes delay) (free service)

    LSE, NYSE and NASDAQ prices are deferred for all clients (at least 15 minutes lag)

    The prices of the FTSE 100, DAX 30, Dow Jones, Nasdaq and Nikkei 225 indices are deferred for all clients (at least 15 minutes lag). UCITS data is transmitted by Europerformance (Groupe Six Financial Information).

    Note: The last prices returned on the portfolio detail page correspond to the closing prices of the day before.

    The contents are fed by the following providers ;

    Cercle Finance: Session comments, comments on currencies and rates, news about the economy, companies, securities transactions, economic statistics, company diaries, recommendations on brokers' actions

    Thomson Reuters: Session commentaries, economy / finance news, general news, technology, company news, securities transactions, stock brokers recommendations, consensus

    Trading Central: chartist recommendations

    Europerformance: information on UCITS

    IT Finance: course graphical interface

    Villecroze & Trium: data on warrants, certificates, turbos, and trackers

    Cofisem: company profiles

    In particular, it is recalled that:

    - the intellectual property rights on the stock exchange databases belong to Euronext, the software which allows the display of data in graphical format to IT Finance.

    - the various analysis tools or other computer applications made available to customers remain the exclusive property of PAYSIMA France.

    You acknowledge that your use of the site does not in any way imply the transfer to your benefit of any intellectual property rights..


    The content of the site does not constitute a solicitation or a recommendation to buy or sell or to carry out any other transaction whatsoever. You must never forget that :

    1. The amount of investments and any income from them can go down as well as up. You may not get back the full amount initially invested.

    2. Past performance is not necessarily a reliable indicator of future performance.

    3. Exchange rates can cause investment to rise or fall.

    4. Tax regimes are subject to change and their assessment is the sole responsibility of the client.

    5. All investments in financial instruments are exposed to a certain level of risk.

    6. It is recommended to diversify your sources of information before making an investment decision

    The PAYSIMA France site does not provide financial or stock market advice and does not under any circumstances encourage the purchase or sale of securities or financial products. The data available on the site is for information only and is not intended to encourage or discourage financial transactions. You are solely responsible for the use you make of the information provided.


    In order to protect the interests of their clients, to strengthen the fight against financial crime and to ensure the security of the financial system in the long term, the regulatory authorities have required banks to strengthen the knowledge of their clients and some of their controls. To comply with these new requirements and with regard to its international dimension, PAYSIMA implements the highest standards of Control and security.

    Within the framework of Foreign Account Tax Compliance Act (FATCA), a new American regulation which imposes certain obligations on non-American banks concerning their customers to American persons (US Persons), PAYSIMA will soon be required to discuss with its customers potentially affected by its implementation.