4 décembre 2016


Independance & expertise of banking /
financial value in Europe

OPEXIA is the owner of this web-site. By accessing our web-site, the users agree to respect the following terms and conditions, and all applicable laws. These terms and conditions have been established as of May 2016 and may be subject to changes.

As the users access this web-site, they recognize that this site is designed for general guidance only. In addition, due to the changing nature of our business, there could be delays, omissions or inaccuracies in the information contained in this site.

The information on this site is provided “as is” and OPEXIA makes no representation or warranty of any kind, in particular with respect to performance, quality, merchantability or fitness for a particular purpose. OPEXIA does not provide any guarantee of completeness, accuracy and timeliness for the content of this web-site. In addition, the information displayed in this web-site does not constitute an obligation to render a professional service to you or your organization.



OPEXIA provides information on the web-site free of charge, and grants certain rights of use in a non-exclusive and non-transferable manner to its users.

This site can be used for informational purposes only and cannot be used for commercial reasons. Users can access, print a copy, download and display the necessary information without modifying or using the content provided by or the trademark of OPEXIA, unless prior written consent is given. The user cannot copy, reproduce, republish or transmit the information available on this web-site. In addition, users cannot use the information for advertising, promotional purposes, or to influence third parties’ decision making.

We (or our suppliers or third parties who have granted us permission to reproduce their material on this website) own all Intellectual Property Rights in the content and this website. Nothing in the legal notices gives you any right, title or interest in the content or this website and you do not acquire any such right, title or interest through your use of the website. If you need third party software to use this website, you agree to obtain a license of that software at your own expense.



From this website you may be able to access websites operated by others. We do not endorse those other websites nor do we accept responsibility for their content or for any damage or loss you may suffer from out of accessing those websites, including, but not limited to, damage or loss arising from your use of documents or other information found on those websites.

We do not monitor or maintain these links. Please read all copyright and legal notices on each site before downloading or printing items to ensure that you are permitted to do so under the third party site’s copyright notices, legal notices or terms of use.



It is possible that users deliver information to OPEXIA, for instance in filling contact forms available on the site: however, users should not disclose non-confidential and non-proprietary information relating to the users’ organization. If the user does provide such information in an unsolicited manner, OPEXIA can make use of it without having to request prior written consent or to account to the user or the user’s organization for it. This will be also the case when users post ideas; suggestions or other information, while a business relationship between the user’s organization and OPEXIA does not exist.

You agree to ensure that all material you send or upload to this website (including, but not limited to, e-mails, text, graphic files, still or moving images, or responses to any questionnaire available through this website) is legal, decent and truthful, complies with all laws and regulations, does not infringe the Intellectual Property Rights or other rights of our company or any third party, is not defamatory, unreliable or misleading or otherwise objectionable and is free of bugs, worms or viruses.

You are solely responsible for your material. If we consider that any part of your material exposes us to the risk of a claim or complaint by a third party, we may block access to all or part of this website and remove all or part of your material. You must provide all reasonable assistance in this respect.

You agree not to use this website to advertise or sell any goods or services to other users of this website.

You agree not to publish any information or personal data relating to a third party.



We cannot guarantee that this website will operate in accordance with your expectations or will be error free.

We are not obliged to update this website but we may do so from time to time and we reserve the right to modify, restrict access to or close this website at any time.

Our liability to you in connection with this website (whether arising from negligence, breach of contract or otherwise) is only to take such actions as are reasonably required (in our sole discretion) in order to:

-remove or delete data entered in error, or

-remove or delete data that is the subject of dispute, or

-correct data entered in error.

We are not liable to you for any loss of profits, business or data or for any indirect, special, incidental, consequential, punitive or exemplary loss, liability or costs (whether arising from negligence, breach of contract or otherwise) regardless of whether it was foreseeable or not.

To avoid doubt, we are not liable for any damage or loss that may be caused to any equipment or software due to any viruses, defects or malfunctions in connection with accessing or using this website, your material or the content.


We reserve the right to vary or amend the legal notices from time to time. We will notify you of any such amendment by posting the relevant amendment to this website. Any changes shall take effect upon posting to this website.

Our rights under these terms of use and other sections of the legal notices :

-may be exercised as often as necessary;

-are cumulative and not exclusive of rights or remedies provided by law; and

-may be waived only in writing and specifically.

Delay in the exercise or non-exercise of any such right is not a waiver of that right.

If a provision of these terms of use or of another section of the legal notices is or becomes illegal, invalid or unenforceable in any jurisdiction, that does not affect the legality, validity or enforceability in that jurisdiction of any other provision of these terms of use or of another section of the legal notices, or the legality, validity or enforceability in other jurisdictions of that or any other provision of these terms of use or of another section of the legal notices.

Nothing in the legal notices is to be taken to constitute a partnership between you and us, nor constitute either of you or us the agent of the other for any purpose.

A failure by you or us to enforce a provision of the legal notices or a breach of a provision by the other or default by the other in performing a provision does not constitute a waiver and does not prevent you or us from subsequently enforcing that provision or from acting on such breach or a subsequent breach of the provision by the other party or default by the other party in performing that provision.


The legal notices shall be governed by and interpreted in accordance with Luxemburg Law and we and you each submit irrevocably to the exclusive jurisdiction of the Luxemburg Courts.