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Legal Information

Legal information

The content of belongs to Cardif companies and is protected under the intellectual property rights under the Act of 4 February 1994 on Copyright and Related Rights (consolidated text, Journal of 2006 No. 90, item. 631). Consequently, full or partial data reproduction, representation, insertion, use, modification, circulation, retransmission, translation, sale or reuse are strictly prohibited. The content and layout of the site can be changed without justification.

The institutional site provides visitors on the web with information on Cardif and its companies in Poland. It also supplies hypertext links to other BNP Paribas Group sites. BNP Paribas Cardif is the site publisher.

Design: BNP Paribas Cardif Communication Department and FullSix.


We recommend that site users read the following articles:

1. Access to site

Confidentiality of exchanges is not guaranteed on the Internet and responsibility for the protection of personal data is borne solely by the user. Cardif can not be held liable for components not under its control or for potential damage to the user's technical environment, such as hardware, software, networks and all other equipment used to access/use the service and/or data.

BNP Paribas Cardif has taken all necessary steps to stream only virus-free data and will not accept any responsibility for direct or indirect damage resulting from the use of site documents or data. It must also be remembered that fraudulent access or use of information systems, tampering with information systems, and fraudulent insertion or modification of data in information systems are liable to prosecution.

Access is free of charge. BNP Paribas Cardif reserves the right to interrupt service at all times, for whatever reason, without justification, and may not be considered as liable for the consequences of interruption.


2. Intellectual and industrial property rights

All site contents, namely data, designs, graphics, pictures, downloads, are protected under the intellectual property rights detained by Cardif. These rights cover both the site form and contents, which remain the sole and exclusive property of Cardif.

Consequently, full or partial data reproduction, representation, insertion, use, modification, circulation, retransmission, translation, sale or reuse are strictly prohibited, without prior express written authorization from Cardif.

Violations of the above will be judged as acts of piracy (counterfeiting) under the Act of 30 June 2000 of the Code on Intellectual Property (consolidated text of 2013 pos. 1410) , involving the civil and criminal liability of the perpetrator. Cardif declines any civil liability in cases of fraudulent use of all or part of its site.


3. Advisory caution on site contents

Accuracy, completeness and precision of data
The site publisher, BNP Paribas Cardif, strives towards ensuring the accuracy and updates of site contents when they are posted. However, this is not a guarantee as to the accuracy, completeness or precision of data, and BNP Paribas Cardif reserves the right to modify or correct the contents of information and documents posted on line, at any time and without prior warning.

In fact, BNP Paribas Cardif declines all responsibility in case of imprecision, inaccuracy, omission or modification of information available on line, namely in case of administrative and legal changes, as well as in all cases of damage resulting from fraudulent access by third parties, particularly when such intrusion results in modifications to the contents on line.

In this regard, the responsibility of BNP Paribas Cardif can not be engaged as concerns the contents and use of current pages, direct or indirect damages resulting from site access or use, or log-on difficulties.

Non contractual Information
The information in these pages is non contractual, and may not be considered as an offer of products or services; it is neither an assertion, guarantee or commitment by Cardif regarding the products and services displayed.

Cardif assumes no responsibility for decisions made on the basis of site contents, or for the use of said contents by third parties.

Any person wishing to obtain one or several products or services displayed on line, must ask a specialist for the contractual and pricing terms applicable to these products and/or services.


4.Use of cookies

Cookies are sent by site managers, in this case BNP Paribas Cardif, to record information concerning Internet user navigation patterns.

Users are informed that when they visit our site, cookies may be automatically placed and stored temporarily in the memory or hard disk of their computers. Storage does not exceed one year.

User visiting and browsing patterns yield information on their preferences and requirements, and thus allow better adaptation of the site contents.

Site users acknowledge having been informed of this practice and authorize BNP Paribas Cardif to apply it. Cookies are easy to detect and remove: the cookie deactivation option of the navigation software prevents their insertion on user computers.


5. Modification in current information and competent legislation

Polish legislation applies. Cardif reserves the right to modify or complete the legal information at any time, without prior warning.