Lux Heritage is a simplified joint stock company with capital of €200, whose head office is located at 231, rue Saint-Honoré 75001 Paris, registered with the Paris RCS under number 921 510 269.
In application of the regulations intended to protect investors, financial investment advisors and insurance intermediaries are obliged to provide their clients, before the formulation of a contract, with a document entering into a relationship in accordance with articles 325-5 of the AMF General Regulations, R520-1 of the Insurance Code and R519-20 of the Monetary and Financial Code.
REGULATED ACTIVITIES
Lux Heritage is registered on the single register of insurance, banking and finance intermediaries (www.orias.fr) under number 23002466 as:
Financial investment advisor (CIF), member of the National Chamber of Wealth Management Advice (CNCGP), association approved by the Financial Markets Authority (17 place de la bourse 75082 Paris cedex 02, www.amf-france.org ),
Insurance or reinsurance broker (COA), activity under the control of the Prudential Control and Resolution Authority (“ACPR”), 4, Place de Budapest CS 92459 75436 Paris Cedex 09 – (see article L. 612 -2, II, 1° of the Monetary and Financial Code)
Lux Heritage does not hold more than 10%, nor is it owned more than 10%, directly or indirectly, by any insurance company.
Insurance and financial guarantee: MMA IARD Assurances Mutuelles / MMA IARD
Professional Civil Liability: MMA IARD Mutual Insurance / MMA IARD
Conflict of interest management policy
Lux Heritage has formalized a conflict of interest management policy and put in place specific provisions in terms of organization (means and procedures) and control in order to prevent, identify and manage conflict of interest situations. which may harm the interests of its clients.
Information relating to complaints processing
In the event of a complaint, you can send it in writing to the following address: Lux Heritage, 231 rue Saint-Honoré, 75001 PARIS.
Lux Heritage undertakes to acknowledge receipt of your complaint within ten days and to provide you with a response within a maximum of two months from the date your complaint was sent.
At the end of this period, or if the response provided by Lux Heritage does not suit you, you can contact
– the AMF mediator, for any complaints relating to the services of a financial investment advisor (17, place de la Bourse 75082 Paris cedex 02, www.amf-france.org/fr/le-mediateur-de-lamf/votre-dossier-de-mediation/vous-voulez-deposer-une-demande-de-mediation),
– Insurance Mediation, for any complaints relating to insurance broker services (TSA 50110 – 75441 Paris cedex 09, www.mediation-assurance.org/Saisir+le+mediateur)
Supervisory authorities
For financial investment advisory activity: AMF – L’Autorité des Marchés Financiers – 17 place de la Bourse 75082 Paris Cedex 02
For the activity of insurance intermediary and intermediary in banking operations and payment services: ACPR – Autorité de contrôle et de Résolution – 4 place de Budapest CS 92459 75436 Paris cedex 09
Confidentiality clause
As part of its activities, Lux Heritage refrains, unless you expressly agree, from communicating and using, outside of its mission, information concerning its customers. This provision cannot be invoked against the CNCGP or the supervisory authorities within the framework of their control missions.
Protection of personal data
As part of our relationships, you may transmit personal data to Lux Heritage. Consequently, Lux Heritage processes personal data concerning you. When you communicate to Lux Heritage the personal data of third parties (your spouse, your child, etc.), you undertake to have obtained their consent and to have informed them of this informative notice.
Lux Heritage processes as controller of personal data as part of its Wealth Management Consulting activity, within the meaning of the provisions of Regulation No. 2016/679, known as the General Data Protection Regulation (GDPR).
This data may be processed for the purposes of awarding, managing and executing contracts because it is necessary for the execution of a contract to which you are a party or for the execution of pre-contractual measures taken at your request. This data may be processed for the purposes of compliance with the regulatory obligations incumbent on Lux Heritage, it being understood that these obligations may vary taking into account your situation (in particular and in a non-exhaustive manner, to obligations linked to the fight against money laundering and financing terrorism, compliance with the provisions of the Monetary and Financial Code, compliance with the positions of the Financial Markets Authority, compliance with the provisions of the Insurance Code, etc.).
This data is kept for 5 years after the end of your contractual relationship with Lux Heritage. If you have not contracted with Lux Heritage, your data may be kept for up to 3 years after the last contact from you. In the context of certain exceptional situations, your data may be kept beyond these periods (non-exhaustively: in the context of litigation, when ordinary and extraordinary remedies are no longer possible against the decision rendered in the context of real estate activities, 10 years in the register of mandates; for the purposes of compliance with certain legal obligations incumbent on Lux Heritage at the request of a legal authority, etc.).
This data may be transmitted to Lux Heritage entities, to its commercial partners (insurers, management companies, banking establishments and their possible intermediaries) as well as to its service providers (SaaS software publishers, host, archiver, etc.) acting on his strict instructions.
You have the right to lodge a complaint with the Commission Nationale de l'Informatique et des Libertés (CNIL), to define directives relating to the conservation, erasure and communication of your data after your death as well as a right of access, rectification, erasure, limitation, portability and opposition for legitimate reasons to personal data concerning you. To exercise one of these rights, please send your request by email to the following address: michel.stofer@luxheritage.fr or by post by writing to: Lux Heritage, 231 rue Saint-Honoré, 75001 PARIS.
Use of email
Lux Heritage may communicate by email with clients or any other person authorized by them. In this case, customers expressly accept the inherent risks presented by this mode of communication (including the risks of interception, modification or unauthorized access to these messages, as well as the risks of viruses or other malicious intrusions ).
Intellectual property
The Website, its general structure, as well as the texts, animated or non-animated images, know-how, drawings, graphics and any other element making up the Site are the property of Lux Heritage. Any total or partial representation of this site by any means whatsoever, without express authorization is prohibited and would constitute an infringement punishable by articles L 335-2 et seq. of the Intellectual Property Code.
Cookie management
Lux Heritage automatically collects information about you using cookies to track your navigation within the Site.
Cookies are alphanumeric identifiers transferred to your computer's hard drive via its Internet browser which allow Lux Heritage to recognize this browser and thus offer you more innovative and more attractive functions. However, you can configure your computer so that it blocks the recording of cookies.
Computer file management
The information collected is subject to computer processing intended for contact purposes. The recipients of the data are Lux Heritage advisors. In accordance with the “Informatics and Freedoms” law of January 6, 1978, amended in 2004, you have the right to access and rectify information that concerns you, which you can exercise by contacting your advisor. You can also, for legitimate reasons, object to the processing of data concerning you.
Operation and use of the Site
Lux Heritage is only bound by an obligation of means with regard to the operation and continuity of the Site and cannot under any circumstances be held responsible:
- speeds of access to the Site, particularly from other websites, speeds of opening and consulting pages on the Site, external slowdowns.
- the suspension or inaccessibility of the Site, the fraudulent use by third parties of all the information made available on the Site.
- facts due to one of the cases of force majeure as defined by case law and in particular the following cases: breakdowns and technical problems concerning hardware, programs, software, the Internet network which may, where applicable, result in the suspension or termination of the service.
You are solely responsible for the use of the service and the site and cannot hold Lux Heritage responsible for any claim and/or procedure made against it.
Lux Heritage reserves the right, without notice or compensation, to temporarily or permanently stop a service or all of the services it offers on the Site.
The information published on our site does not constitute an investment recommendation or financial advice, as each Internet user accessing our site has specific needs at the time of connection.
External links
The Site may contain hypertext links to other websites.
The Site may contain hypertext links to other Internet sites. Lux Heritage makes no commitment regarding any other Internet site to which you may have access via the Site and is in no way responsible for the content, operation and access to these sites.
Unlawful Content and Public Decency
Any action on your part that would aim to restrict or prevent another person from using or enjoying the Site is strictly prohibited.
Lux Heritage reminds that you may only use the Site for legal purposes and that you are prohibited from publishing or transmitting through the Site any illicit, harmful, defamatory, pornographic, hateful, racist or otherwise offensive element. human. If Lux Heritage is informed of the presence of illicit content on the Site, it will have the right to immediately delete the content. Lux Heritage also reserves the right to take all necessary measures to enforce its rights.
Lux Heritage is entitled to carry out electronic surveillance of posted materials and public areas of the Site to verify their compliance with the requirements set out above.
Intellectual property rights
Any downloading, deterioration, reproduction, copying, modification, commercial use, total or partial, of the various elements of the Site, without prior authorization from Lux Heritage, is prohibited and exposes its author(s) to prosecution.
Applicable Law
These provisions are subject to French law.