General Conditions

The purpose of these General Conditions is to define the terms of provision of the Site and the conditions of use of the Site by the User.

Any access and / or Use of the Site implies acceptance and compliance with all of the terms and conditions of its use.

In case the User does not wish to accept all or part of these general conditions, they are asked to renounce to any use of the Service.

1. DEFINITIONS

Site : Refers to the institutional website of BMCE Capital.
User : Refers to any person who uses the Site or one of the services offered on the Site.
« User » content : Means the data transmitted by the User under the forms presented on the Site.

2. PRINCIPLE OF PROVISION AND USE OF THE SITE

The purpose of these General Conditions is to define (i) the terms of provision of the Site and (ii) the conditions of use of the Site by the User.

Any connection to the Site is subject to compliance with these conditions.

For the User, simple access to the BMCE Capital Group site implies acceptance of all the conditions described below and a commitment to comply with them.

In case the User does not wish to accept all or part of these general conditions, he is asked to renounce all use of the Site and / or its service. 

3. INFORMATION RELATING TO THE SITE

This Site is intended for the private use of Users.

By consulting the Site, the User accepts to respect the conditions of use in force on the date of the consultation.

BMCE Capital strives to ensure the accuracy of the information published on the Site but can in no way guarantee its complete accuracy or completeness.

BMCE Capital and its contributors cannot in any event be held liable for any direct or indirect damage or loss resulting from the use, by the User, of the information published on the Site.

The User remains solely and solely responsible for the use of the information published on the Site.

In addition, all information and service proposals are provided for information only, and can in no way be considered as financial advice, a commercial act, a canvassing act, a solicitation or even any offer of services.

4. ACCESS TO THE SITE

The Site User acknowledges having the skills and means necessary to access and use the Site.

It is recalled that the fact of fraudulently accessing or remaining in a computer system, hampering or distorting its operation, fraudulently introducing or modifying its data constitutes offenses punishable by criminal penalties.

5. AVAILABILITY OF THE SITE

The Site is accessible 24 hours a day, 7 days a week, except in cases of force majeure, computer or technical breakdowns or any incident (whatever the nature and frequency) linked to telecommunications networs.

Due to maintenance obligations, the BMCE Capital site may be temporarily unavailable.

BMCE Capital will endeavor to warn Users but cannot be held responsible for any impossibility of connection.

6. HYPERTEXT LINKS

BMCE Capital SA cannot be held responsible for the links set up from the Site to external sites. in relation to the content of such sites.

7. PROTECTION OF USERS 'PERSONAL DATA IN ACCORDANCE WITH THE PROVISIONS OF LAW N ° 09-08 PROMULGATED BY THE DAHIR OF FEBRUARY 18, 2009

BMCE Capital is the data controller who operates the Site.

BMCE Capital may need to collect personal data from Users. Indeed, the purpose of this collection is :

  • Subscription to specialized publications of BMCE Capital; 
  • Making contact for information and instruction;
  • Obtaining information of commercial significance;
  • The management and processing of the data of candidates for employment. 

As such, the User expressly consents to his personal data being collected and processed in accordance with Law No. 09 - 08 promulgated by the Dahir of February 18, 2009.

The data collected is intended only for BMCE Capital's own use. Only persons acting under its authority and on its written instructions can access it.

Also, none of the personal data collected from the Site will be communicated or transferred to third parties for commercial purposes. The data collected, in respect of any contact or application request, may however be transmitted to other companies of the BMCE Capital Group.

These data are only kept for a period strictly related to the purpose of the contact operation between the User and BMCE Capital and, at most, on the day of the deactivation of the abonment or profile.

Right of access, rectification, deletion and opposition

In accordance with the provisions of Law 09-08 promulgated by the Dahir of February 18, 2009, people whose personal data is collected, directly or indirectly (through cookies), have the right to access, rectify, deletion and opposition of their data.

These rights can be exercised by sending a letter to the Legal Department of the BMCE Capital Group located at Rond-Point Hassan II, Tour BMCE 4th floor - 20,000 Casablanca: tel: 00 212 5 22 49 81 22.  

The User may also, for legitimate reasons, object to the data concerning him being processed.

Technical security measures

Via the Site, appropriate technical, security and confidentiality measures are implemented, intended to protect the data collected from Users against the risks of destruction, loss, deformation, alteration or dissemination or unauthorized access. authorized, especially when their processing involves network transmissions.

Specific case of the recruitment area

The data that Users are required to communicate online for the purpose of recruitment are used exclusively for the management of applications and recruitments. They are only kept for a maximum period of 24 months.

Processing declarations

In accordance with the provisions of Law No. 09 - 08 promulgated by the Dahir of February 18, 2009, automated processing of personal data is subject to declaration to the CNDP.

  • The processing relating to the opening of an account was notified and authorized by the CNDP under number D-W-242/2016 of 01/07/2016;
  • The processing relating to the subscription to newsletters or to any other contact request has been notified and authorized by the CNDP under number D-W-243/2016 of 07/01/2016;
  • The processing relating to the collection of personal data for a spontaneous application has been notified and authorized by the CNDP under number ARH / 119/2014 of 06/26/2014.

8. COOKIES

A cookie is an element which, without identifying the User, is used to record information relating to the user's navigation on the Site.

The User is informed that during his visits to the Site, a cookie can be installed automatically and be stored temporarily in memory or on his hard drive.

Users will be able to deactivate this cookie through the parameters appearing in their browser software.

9. SITE UPDATE

BMCE Capital reserves the right to modify and update, without notice, all elements and information published on the Site, including those relating to the services offered by the BMCE Capital Group.

10. CAUTION AND RESPONSIBILITY

You use the Site under your sole and entire responsibility.

BMCE Capital cannot be held responsible for direct or indirect damage, such as, in particular, material damage, loss of data or program, financial loss, resulting from the use of the Site.

BMCE Capital strives to ensure the proper functioning and IT security of the Site as well as the accuracy and updating of the information published there. However, BMCE Capital cannot guarantee the accuracy, precision or completeness of the information available on the Site.

The User is aware of the risks associated with the use of internet services: therefore, he acknowledges and accepts (i) use the Site at his own risk, (ii) that the Site cannot be held responsible for interruptions and the consequences that may result for it (iii) that BMCE Capital reserves the right to correct or remove, at any time and without notice, the general structure of the Site or / and its contents.

11. RIGHT OF INTELLECTUAL PROPERTY

All of the information contained on the Site is subject to legal protection of literary, artistic and industrial property.

Texts, graphics (including brands and logos), photographs, animated sequences etc. including downloadable documents are and remain the property of BMCE Capital S.A or are used at the end of the agreement of the holders of the rights relating thereto.

Any reproduction or representation, partial or total of this information, on any medium whatsoever, may not be made without the prior written consent of BMCE Capital.

The banners, company names, graphic charters specific to the BMCE Capital Group as well as the content (in general, all elements of the Site) posted on the Site, may not be reproduced, disseminated, resold, retransmitted or made available to third parties. on an Internet site or on any other type of medium or by any other type of process without the prior and express authorization of BMCE Capital and, where applicable, other persons who would hold copyright.

In all cases, BMCE Capital retains all intellectual property rights relating to all the elements, indicated in this article.

Failure to comply with the obligations referred to in this article constitutes an infringement liable to engage the civil and criminal liability of the infringer.

12. TECHNICAL DAMAGE

BMCE Capital cannot be held liable for any damage that may be suffered due to the technical environment of the User and in particular his computers, software, network equipment and all other materials used and intended to access and / or use the service or view the information.

13. APPLICABLE LAW AND ATTRIBUTION OF JURISDICTION

These general conditions of use and legal notices as well as the Site are governed by the provisions of Moroccan law.

Failing to find an amicable solution within a reasonable period of time, disputes that may arise under the use of the Site or the interpretation and application of the general conditions of use will be subject to the exclusive jurisdiction of the Moroccan courts.

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