Legal information |

Data protection

General principles

We consider that your personal data (name, postal address, telephone number, e-mail address) along with any data communicated on our Web site or generated by browsing constitute confidential data.

In compliance with legal obligations, we hold this information under conditions of enhanced security and for limited periods depending on the purposes for which it was disclosed to us.

This information may only be accessed by our employees and those of our subsidiaries and is only used for the purposes for which you gave it to us: to send you information that you requested by filling out questionnaires, simulation forms or sending e-mails.
Some items of information are mandatory and are indicated by an asterisk. If you choose not to tell us this information, we will not be able to deal with your request.


A cookie is a file sent to your browser and stored on your computer. The cookies we use are not used to identify you, but record information on the use you make of our site (browsing, access to accounts).

Why use cookies?

The cookies used on this site are used to make your browsing more secure. These cookies also allow us to analyse visits to the site, improve the services we offer and strengthen security.

For security reasons, your refusal to accept a cookie may prevent access to certain parts of the site.

Configuring your browser to accept or reject cookies

You can configure your browser to accept or reject cookies before they are installed on a case-by-case basis. Moreover, you can also regularly delete cookies from your workstation using your browser. To find out how to manage your cookies and your usage preferences, use the on-line help provided with your browser:

Giving or refusing consent

When you visit our site, a message informs you of the use of cookies. It also informs you that by continuing to browse our site, you accept these cookies (you can change this decision at any time by refusing to accept cookies). Different types of cookies are used on our site for different purposes. Some are required for you to use the site.

Cookies which are essential

These are cookies required for our site to operate. They enable you to use the main features of the site (for example access to your account). Without these cookies, you will not be able to use our site normally. These cookies only relate to the operation of our site. The « essential cookies » required for using our site are not subject to consent.

The main « essential cookies » we use
Name Function
nid These cookies identify your profile (your regional bank, language, etc.) to connect you to your personal area.
paci_validation This cookie keeps a trace of the security messages you have read
MIF When you look at pages telling you about financial instruments (stocks, bonds, mutual funds, etc.) a message gives you information about the Markets in Financial Instruments (MIF). This cookie records the fact that you have been informed of this.

Performance analysis cookies
These are cookies which tell us about the use and performance of our site to allow us to improve how it operates.

The main « performance analysis cookies » we use
Name Function
idrxvr These cookies allow us to distinguish one workstation connected to the Web from another. They make it possible to specify and refine information about the visits and behaviour of visitors to the site.
I agree to the use of performance analysis cookies

Advertising cookies

These are cookies used to display advertising or provide you with information suited to your interests. They are mainly used to limit the number of times you see an advertisement and help measure the effectiveness of a publicity campaign.

Rejecting advertising cookies does not affect your use of the site. However, rejecting advertising cookies does not stop advertising on our site. The effect will just be to display advertising which does not take account of your interests or preferences.

The advertising cookies used belong to us: they are provided by us and can only be used by us. We do not use third-party cookies. The main « advertising cookies » we use:

The main « advertising cookies » we use
Name Function
capping This cookie limits the number of times you see an advertisement
I agree to the use of performance analysis cookies

Lifetime of cookies

All these cookies, excluding the essential cookies, have a lifetime of less than 13 months.

None of your personal data is sent to a third party

Information gathered through our Web site is not used by or disclosed outside of member companies or subsidiaries of the Crédit MutuelCM11 Group except for management reasons or to satisfy legal and regulatory obligations.

Under no circumstances is this information sent or sold to third parties.

Exercising your right of access

All information, in particular copies of personal data collected or generated before, during or following the current task, may be disclosed to individuals exercising their access rights. You can exercise your right of access and amendment under the conditions provided for in law 78-17 of 6 January 1978 relating to information technology, databases and civil liberties.

  • By sending a letter to the following address:
    BECM Service Commercial 34 rue du Wacken 67000 Strasbourg.
  • By contacting us via e-mail.

No unfair collection of personal data

Our server platform is not designed or configured to collect personal information on visitors to the BECM Web site apart from the following data: source of connection (ISPs), IP address, type and version of browser used.

Under no circumstances do we collect visitor’s e-mail addresses without them having deliberately given them to us to register for the newsletter or for sending an e-mail.

Traffic data is used for two purposes: to protect banking transactions which you may need to carry out and to allow us to perform internal analyses on visits to our information pages to improve the content. This information is not kept for more than 1 year. Transaction-related data is stored by name. On the other hand, visitor browsing data is held anonymously. This relates to aggregated statistics used to ascertain the most and least popular pages, preferred paths, activity levels per day of the week and hour of the day, the main client or server errors.

Marketing e-mails

You can subscribe to our newsletters directly by entering your e-mail address on our Web site. You will then receive the newsletter to which you have subscribed.
Your e-mail address may also be used for one-off e-mails presenting an offer or new feature of the site. When collecting your e-mail address and sending messages, we undertake to comply with the Law on Confidence in the Digital Economy (LCEN) and in particular:

  • To collect your personal information fairly, obtaining your consent during registration.
  • To provide you with the option of unsubscribing via a link present in each of our messages.
  • To always mention the name of the sender, BECM.