Terms and Conditions of Use

These terms and conditions (the “Terms”) tell you the terms on which you may make use of our website [www.ciclondon.com] (“Site”).
Please read these Terms carefully before you use this Site. By using this Site, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use this Site.
Your attention is particularly drawn to the disclaimers and limitations of liability set out in paragraphs 8, 9 and 10.


1.1 This Site is owned and operated by Crédit Industriel et Commercial London Branch, with UK establishment number BR000705 and having its registered address at Finsbury Circus House 15 Finsbury Circus, London, EC2M 7EB (“CIC London”, “we”, “our”, and “us”).

1.2 CIC London is an overseas branch of Crédit Industriel et Commercial, a French Simplified Joint-stock Company (Société par Action Simplifiée), registered with the Paris registry of companies (registration number 542 016 381) and having its registered address at 6 avenue de Provence 75009 Paris (“CIC”).

1.3 CIC London is authorised and regulated by Banque de France, the Prudential Regulation Authority and the Financial Conduct Authority (“FCA”). We are registered on the Financial Services Register under reference number 204740.

1.4 CIC London is authorised to conduct regulated activities under the UK's Temporary Permissions Regime. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Bank of England’s website. 

1.5 You can contact us via our contact form or by phone at 020 3618 9600.

1.6 Our VAT number is: 243663069.



2.1 These Terms constitute the agreement between you and us for the use of this Site and the contents and services available through it.

2.2 We may change these Terms from time to time. Any changes we may make to these Terms in the future will be posted on this Site and, where appropriate, notified to you by email. By continuing to use and access this Site following such changes, you agree to be bound by any changes we make. Please review this page frequently to see any updates or changes to these Terms.

2.3 If you commit a breach of these Terms we reserve the right at our sole discretion to immediately and without notice suspend or permanently deny your access to all or part of this Site.


3.1 We provide this Site on an "as is" and "as available" basis with all faults. We do not guarantee that this Site, or any services or content on it, will always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of this Site without notice. You agree that your use of this Site is at your own risk. We will not be liable to you if for any reason this Site is unavailable at any time or for any period.

3.2 You are responsible for ensuring that all persons who access this Site through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.

3.3 We may update and change this Site from time to time to reflect changes to our products and services, our users’ needs and our business priorities.

3.4 This Site is directed to people residing in the United Kingdom. We do not represent that the content available on or through this Site is appropriate for use or available in other locations. Any products and services mentioned on this Site are subject to UK legal and regulatory requirements and are not available in any jurisdictions other than the UK.


4.1 Please refer to our Privacy Policy for information setting out how we will handle your personal information.



5.1 You may use this Site only for lawful purposes. You must not use this Site in any way that breaches any applicable local, national or international law or regulation, or in any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.

5.2 You must not use or attempt to use any automated program (including, without limitation, any spider or other web crawler) to access our system or this Site. You must not use any scraping technology on this Site.


6.1 All content on this Site and its associated services is owned by CIC London or our licensors and is protected by applicable intellectual property rights and laws.

6.2 You may copy content for your own personal use provided you do not alter it or remove any copyright, trade mark or other proprietary notice. Our status (and that of any identified contributors) as the authors of content on this Site must always be acknowledged.

6.3 No other use of this Site's content is permitted without the express prior permission of CIC London, and, where applicable, the copyright holder. For enquiries and permission requests please contact us.


7.1 The name CIC and the CIC logo are trade marks of CIC and may not be used in connection with any product or service that is not CIC’s, nor in any manner that is likely to cause confusion, or in any way that may disparage or discredit CIC.

7.2 Other trademarks or logos that appear on this Site are the property of their respective owners and are likely to be registered trademarks and subject to restrictions as to their use. They must not be used without the express permission of both CIC London and the trademark owner.


8.1 Nothing on this Site should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction, or to provide any investment advice or service.


9.1 While we take all reasonable care to ensure the information and analysis which we publish on this Site are as accurate as possible, we cannot promise that they will be complete, accurate and up to date.
9.2 Opinions and any other contents on this Site are provided by us for informational purposes only and are subject to change without notice. We are not giving you any advice (investment, financial, legal or otherwise) in respect of any of the information on this Site. You should obtain professional or specialist advice before taking, or refraining from, any action based on any information on this Site. Any reliance that you may place on the information on this Site is at your own risk.
9.3 To the maximum extent permitted by law, we disclaim any and all implied conditions, warranties and representations that this Site and the information and services available through it are of satisfactory quality, accurate, fit for a particular purpose, or non-infringing.


10.1 We shall not be liable for any damage (including, without limitation, damage for loss of business or loss of profits) arising in contract, tort or otherwise from the use of, or inability to use, this Site or any material contained in it, or from any action or decision taken as a result of using this site or any such material.

10.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or for fraud or fraudulent misrepresentation.


11.1 We do not guarantee that this Site will be secure or free from bugs or viruses.

11.2 You are responsible for configuring your information technology, computer programmes and platform in order to access this Site. You should use your own virus protection software.

11.3 You must not misuse this Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to this Site, the server on which this Site is hosted or any server, computer or database connected to this Site.


12.1 Where this Site contains links to information, websites and resources provided by third parties, these links are provided for your convenience only. We have no control over third party websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party website does not mean that we endorse that third party’s website, products or services. Your use of a third party site may be governed by the terms and conditions and/or privacy policy of that third party site.


13.1 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

13.2 You must not establish a link to this Site in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

13.3 You must not establish a link to this Site in any website that is not owned by you.

13.4 We reserve the right to withdraw linking permission without notice.

13.5 If you wish to link to or make any use of content on this Site other than that set out above, please contact us via our contact form.


14.1 If we do not exercise or enforce any legal right or remedy which may be available to us, this will not be taken to be a formal waiver of our rights.

14.2 If any part of these Terms shall be unlawful or unenforceable for any reason, this shall not affect the remainder of these Terms and that part shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

14.3 All legal notices in relation to this Site or these Terms should be given in writing and addressed to us via our contact form.


15.1 These Terms are governed by English law and you can bring legal proceedings in respect of this Site in the English courts. If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the products in either the Northern Irish or the English courts.


16.1 Questions, comments and requests regarding these Terms should be sent via our contact form.


Last Updated: 4th May 2021