Legal information

Legal information / Terms of use (Archives 02/24/2016)


Date of the last update : 02/24/2016


AXA reserves the right to add to, modify or remove and more generally update at any time, all or part of these terms of use. AXA will inform each visitor of the Site (a «User») about the modifications made to the present terms of use.

If the User does not respect these terms of use and if AXA does not immediately react, this does not mean that AXA waives its rights to act subsequently.


The Site editor

25, avenue Matignon
FR - 75008 Paris
Telephone: +33 (0) 1 40 75 57 00

Number of V.A.T: FR 50 572 093 920

AXA is a “société anonyme” with registered capital of: €5,556,589,374.18 (at 24 February 2016), registered in the Paris Trade and Companies Register under the number 572.093.920 and represented by Henri de Castries – President and Chief Executive Officer.

(« AXA »)

Publication Director

Henri de Castries – President and Chief Executive Officer.

Web hosting

AXA Technology Services SAS
76, route de la Demi-lune
FR - 92057 Paris La Défense Cedex
Telephone: + 33 (0) 1 55 67 20 00

AXA Technology Services SAS is registered in the Nanterre Trade and Companies Register under the number 399.214.287


The Site is an information site published in English and French, intended both for AXA customers and non-customers.

The information contained on the Site is given strictly for informative purposes and does not entail any legal commitment or implicit or explicit contractual agreement on the part of AXA, which also reserves the right to modify its characteristics at any time.

Access to any products and services presented on the Site may be subject to legal or regulatory restrictions for certain persons or in certain countries. None of the products and/or services will be supplied by AXA or any entity of the AXA Group (« AXA Group ») to a person if the law applicable to him/her prohibits it. However, it is up to all persons concerned to check beforehand with their usual legal advisors that their legal and fiscal status permits them to subscribe to the products and/or services presented on the Site. AXA declines all responsibility in case of violation of these restrictions by any person.

Access to the Site is free of charge. However, the costs of access and use of the telecommunications network shall be borne by the User, according to the terms stipulated by his/her Internet access provider and his/her telecom operator.


Some features on the Site may require the creation of a User account. The User has the entire responsibility of maintaining the confidentiality of his/her account information, especially his/her password and of all the operations carried out with the account. He/she is responsible for his/her own activity carried out using his/her account or through it. He/she shall not use the same password for third-party applications.

The User is not allowed to use the account of any other person without such account holder’s permission.

The User undertakes to immediately notify AXA in case of non authorised use of his/her account or of his/her password or any breach of security. He/she may be held responsible for the damages suffered by AXA or any other User due to the use, caused by his/her own intent or negligence, of his/her AXA login, his/her password or his/her account, by another person.


AXA respects the privacy of all Users of its Site and ensures that all personal data is treated confidentially and in accordance with applicable data protection laws. By personal data we mean “any information relating to a natural person who is or can be identified, directly or indirectly, by reference to an identification number or to one or more factors specific to him. (Extract of the article n°2 of the law n°78-17 of 6 January 1978).

When the User connects to the Site, AXA may collect the following personal data about him/her:

• Identification data;
• Personal life;
• Professional life;
• Economical and financial data;
• Log data.

This personal data may be used for the following purposes in accordance with applicable laws and regulations:

• To maintain and develop the Site;
• For the purpose of consumer information;
• To keep the clients informed about the product and services of AXA and its subsidiaries, from time to time, (the “AXA Group”);
• For commercial solicitations;
• For specific requirements mentioned in a collection questionnaire.

Other than for the purposes described above, we will not collect, process or use your personal data.

Where AXA uses personal data for marketing purposes, AXA will only do so in compliance with applicable legal requirements (such as obtaining User’s prior consent or pseudonymizing the data).

Personal data collected on the Site can be transferred to the companies of the AXA Group or to third parties, in particular external providers within or outside the User’s country of residence for the purposes set out above. AXA informs the User that his/her personal data may only be transferred within the European Union or to a country recognised as offering a level of protection equivalent to that provided by the European Union or on the basis of its Binding Corporate Rules (please refer to the section “Confidentiality of data”).

The User has a right of access, modification, correction and removal of data collected on this Site, under the conditions stipulated by law no. 78-17 of the 6 January 1978 on computer information, files and civil liberties and if this data is inaccurate, incomplete or irrelevant. The User may, at any time, object to any processing of his/her personal data on legitimate grounds.

To exercise his/her rights, the User will write to the Site manager at the following address:

Direction de la Communication et de la Responsabilité d'Entreprise du Groupe AXA
25, avenue Matignon
75008 Paris


The creation of hypertext links to the Site is subject to the explicit prior approval of AXA.

The Site can contain hypertext links to other sites. The existence of hypertext links between the Site and third party sites means in no way that AXA approves the content of that site or the use which may be made, and may not, under any circumstances, incur AXA’s responsibility. The User visits the other sites at his/her own risks and under his/her responsibility.

AXA does not accept any responsibility for any third party website linked to or from this website.

It is to be recalled that delays, omissions or inaccuracies are liable to occur because of the electronic transmission system.


All the elements of the Site, individually and as a whole, are governed by applicable legislation on intellectual property, copyright law, trademark law. The same applies to the form of the Site (tree view, layout, design, conviviality…), as well as to its content (trademark, texts, images, illustrations, music, sounds…). These elements are the exclusive property of AXA or are licensed to AXA, and AXA is the sole authorized user of such elements.

Any other complete or partial reproduction, representation or communication of the pages, the data and any other element constituting the Site, by any process and on any support, as well as their modification, is prohibited, with the exception of prior and written authorization of AXA.

“AXA” is a registered trademark. The trademarks, service marks and logos appearing in AXA information services and/or on any other AXA Group entities’ website are the property of the AXA Group entity in question. It is strictly forbidden to use or reproduce the name “AXA” and/or its logos, used alone or combined, in any capacity whatsoever, without AXA’s prior written agreement.

The non-compliance with such prohibition constitutes an infringement which can result in civil and criminal liability.


The User may not use the Site or its content for an improper purpose or a purpose forbidden by these terms of use, nor encourage any illegal activity, or other activity violating AXA’s rights or third parties’ rights.

The User is not allowed to use mechanisms, programmes, algorithms or other automatic methods to access, obtain, copy or supervise any part of the Site, nor reproduce or bypass the navigation structure or the presentation of the Site in order to obtain data, documents or information. The User can only extract and/or re-use data, documents or information from the Site when this has been expressly authorized.

The User must not attempt to access unlawfully to any section or functionality of the Site, nor to any other system or connected network to the Site, nor to the services proposed on the Site, by hacking or using any other illegitimate means.

The User must not try to analyse or test the vulnerability of the Site or any connected network to the Site, nor violate the security and authentication measures put in place by the Site or the networks connected to the Site. The User is not authorized to question or trace information about other Users, or clients of the AXA Group, especially all Users’ accounts which are not his/her own, or set up at his/her initiative, nor to exploit the Site or the services or the information made available on the Site, in any manner, for the purpose of revealing such information, especially personal identification information or the information other than his/her own information, as they appear on the Site.

The User agrees to take no action imposing an undue or unreasonable burden on the Site’s infrastructure, or systems or AXA’s networks, or any network connected to the Site or to AXA.

The User agrees not to use any mechanism or software to interfere or try to interfere with the proper function of the Site or with any transaction conducted on the Site or with any use of the Site by any other person.

The User must not try to infringe the headers or manipulate the identifying information in any manner, to mask the origin of the message or of an information sent to AXA using the Site, or a service offered by the Site. The User must not claim to be or represent someone else, nor pretend to be another natural or legal person.

AXA reserves the right at any time to modify or suspend temporarily or permanently the use of this Site and may not be held responsible for these changes, suspension or interruptions. Also, AXA declines all responsibility for the dysfunctions or interruptions during the use of the Site due to power failure, defection on telephone lines and/or internet or any other damaging event out of its control.


AXA may not be held responsible for events out of its control and the potential damages suffered by the technical environment of the User and notably, his/her computers, software, network equipment or any other material to use the Site and/or information contained in it.

The confidentiality of correspondence is not guaranteed on the network and it is up to each User in particular to take all appropriate steps to protect his/her own data and/or software against contamination by any viruses circulating on the Internet.

The User agrees to compensate and release AXA from all responsibility regarding losses or complaints from third parties, due to or in relation to the use made by such User of the Site.


Cookies are used on the Site in order to constantly improve the Site and to respond effectively to consumers expectations.

All information about cookies and disabling of cookies is available in the Cookies Policy.


AXA endeavours to keep this Site up to date. However, AXA guarantees neither the accuracy nor the completeness of any information presented.

Besides, to the extent permitted by applicable law, AXA may in no case be held responsible for any indirect loss, for whatever cause, origins, natures or consequences, resulting from a visit to the Site or associated with such a visit, particularly, and without limitation, for any loss of profits, interruption of activities or loss of software or data.


The Site and its content are governed by French law subject to provisions that cannot be derogated from by agreement by virtue of the law applicable to the User. All disputes in relation to the Site shall be subject to French courts.


Patrick Messina

Franck Dunouau

Raphael Fournier

Antoine Doyen

Stephen Dock

Jean-Lionel Dias

Mat Be

Benoit Paillé

Romuald Meigneux



Jean Philippe Robin

Raphael Dautigny