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Use of and access to this website are subject to acceptance of the terms and conditions set out in the following "Legal Information".
1. Company information: On this website, "Candriam" is the name used to designate all companies within the group Candriam. Candriam comprises the following entities:
You can contact Candriam:
The editor responsible at law for this site is Vincent Hamelink (58 Avenue des Arts, Brussels 1000 - Belgium)
2. Target groups and purpose of this website
This website, its contents, the results of automated processing, data and information made available are exclusively intended for use by the persons with the right to access to it. If your domicile or place of residence is in a country where the use or the access to this information is prohibited, you are requested to leave the site.
The contents of this website cannot at any time substitute for readers' own research or their technical and/or business judgement based on their personal situation. In no way should the information on this website be considered to be an offer to buy or sell any financial instrument, neither should it be considered to be advice of any kind, whether legal, accounting, fiscal or other. For an offer and/or customized advice, do not hesitate to contact the entities marketing Candriam’s financial products and/or services.
Neither the information nor the results supplied to visitors are intended to encourage the latter to undertake a particular transaction, or advise in favour of or against a particular transaction. Links to websites not controlled by Candriam are intended only as a service to the visitor and do not constitute advice, a form of advertising or a value judgement.
For any information related to the conditions under which Candriam may process your personal data and the exercise of your individual rights on your personal data please refer to section 10
3. Services available on this website
This website contains both informative data and a number of interactive applications.
The interactive applications on this website are those which supply applications on or via this website which enable visitors to enter certain kinds of information and be notified of the result of their automated processing.
The results supplied to visitors are generated automatically on the basis of the data supplied by the latter. Candriam is therefore not in a position to verify data in any way.
All publications and information available on this website are for information only, whether they have been supplied by Candriam or its selected third parties. Candriam has exercised the utmost care as to the contents of the information and data supplied as well as to the results of all automated processes, and regularly updates this website. However, Candriam does not explicitly or implicitly guarantee the completeness, accuracy and current applicability of these data and applications, or of the results supplied to visitors via any automated process.
4. Advertising
The current website comprises advertisements issued by Candriam concerning Candriam services and products. Links and other references to third parties which are not companies linked or associated with Candriam should not be considered to be advertisements for such third parties.
5. Cookies
When you visit this website, Candriam will, in certain circumstances, automatically send cookies to your computer. These are small applications which are written on to your hard disk. They are quite harmless and intended to make the site easier for you to use. For instance, this is how your choice of country and language are recorded when you first visit the website, so that thereafter you automatically access the website in the language you selected at the time of your first visit. If you do not want these cookies written on to your hard disk, you can set your browser in such a manner that they do not gain access to your hard disk. However, in such cases, Candriam is not in a position to guarantee the correct operation of the websites under its control. You can also delete the cookies from your hard disk after each visit to the website.
Candriam will treat the information collected via these cookies in a fully confidential manner, in accordance with the applicable best practices and with the provisions of the applicable Belgian laws on data protection as related in particular to the processing of personal information.
6. Viruses, Trojan horses and other malware
Candriam guarantees that all the data it includes on its website have been previously checked to ensure that they are free of all viruses and/or malicious software (e.g., malware, and Trojan horses). Candriam regularly inspects all items on the website which can be downloaded by customers to their computer systems to ensure that they are free of the virusesand/or malicious software.
Despite the high degree of caution exercised by Candriam, the swiftness of change on the Internet and on Internet applications, as well as the development of related risks means that Candriam is unable to guarantee that all information is completely free of viruses at all times.
In view of the risks of Internet use, Candriam strongly advises visitors to regularly scan all downloaded information, including that supplied by suppliers the visitor considers to be trustworthy.
7. Liability: Candriam shall not be held liable for any of the following, except in cases of malicious intent or gross negligence:
8. Applicable law and jurisdiction: Visitors agree that, insofar as allowed by law, the supply of service and product information on this website, as well as the publication thereof, are performed under Belgian law. The Brussels law courts alone shall have jurisdiction in case of any dispute arising from the information on this website, the following websites and web pages, and their use by the reader. In such cases, only Belgian law shall apply.
9. Intellectual property rights : The contents of the Candriam website as well as the information supplied therein, programmes, applications, trademarks and logos are protected by intellectual property rights belonging to Candriam or its suppliers. Readers/visitors to this website shall comply with these intellectual property rights at all times and shall refrain from any infringement thereof and from any other use for which prior authorisation has not been obtained from Candriam.
No links whatsoever may be created from any other website to Candriam's websites and/or web pages without the express written consent of Candriam.
This prohibition applies to all link types or techniques in which the name, address or any other element belonging to Candriam is included or displayed on another website, or which enable surfers to enter the Candriam website via this other website.
10. Client Privacy Notice [Date of Issue : June 2021]
Candriam (referred t "we" or "our") is committed to respecting the privacy of individuals, including its clients.
Candriam owns and operates the web site https://www.candriam.com
This Privacy Notice ("Notice") sets out the basis on which Candriam processes personal data. Please read the following carefully to understand our views and practices regarding how we handle personal data.
For the purposes of applicable data protection law (in particular, the General Data Protection Regulation (EU) 2016/679 (the "GDPR"), each Candriam entity referred to above is the "data controller" of your personal data.
Candriam Switzerland, has appointed as EU representative for GDPR matters Candriam with registered address at 19-21 Route d’Arlon, L-8009 Strassen Luxembourg; registered no. R.C.S. Luxembourg : B 180524.
Personal Data We collect
We may collect and process the following personal data:
Purposes and Legal Basis for processing
We may ask you for consent to collect or process your personal data on certain occasions, for example, and as stated below, where necessary in order to contact you with information about products and services or events that might be of interest to you or your employer.
We process your personal data when we need to do this to fulfil a contract with you, including processing your personal data to give effect to your investment in a Candriam fund, to verify your identity, or to otherwise provide services to you.
We process your personal data when required by law to do so, such as if we receive a request from law enforcement or other government officials.
We process your personal data when it is in our legitimate interests to do this and when these interests are not overridden by your data protection rights. We have carried out balancing tests for all the data processing we carry out on the basis of our legitimate interests, which we have described above. You can obtain information on any of our balancing tests by contacting us using the details set out later in this Notice.
In particular:
Disclosure of Your Personal Data
We may share your personal data with our subsidiaries and/ or affiliates1.
Personal data will also be shared between the Candriam entities referred to above, which manage Candriam funds, and the Candriam fund legal entities which are SICAVs (Société d'investissement à Capital Variable).
We may also share your personal data with trusted third parties including:
We may disclose your personal data to third parties:
Marketing Communications
We, or trusted third parties on our behalf, may contact you by email or other electronic means or post with information about products, services and events that might be of interest to you. Where necessary, at the time that you provide your personal data to us, you will be given the opportunity to indicate whether or not you are happy for us to use your personal data in order to tell you about such products or services or events.
You can unsubscribe from this at any time by emailing us using the contact details provided below.
Where We Store Your Personal Data and How We Protect it
Some of the Candriam subsidiaries and/or affiliates and third parties to whom Candriam discloses your personal data (as described above) may be located in countries which are located in any country of the European Union but also countries outside EEA that do not provide a level of protection to personal data equivalent to that provided by your home country.
In order to provide adequate protection for these transfers, Candriam utilizes transfer mechanisms recognized by your home country, which may include executing appropriate contractual clauses based on and conforming to the EU model clauses. To obtain a copy of the transfer mechanism, please contact us using the details provided below.
We take reasonable steps to protect your personal data from loss or destruction.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your personal data transmitted to our site; any transmission is at your own risk. Once we have received your personal data, we will use strict procedures and security features to try to prevent unauthorised access.
Your Rights
You have various rights with respect to our use of your personal data:
Please note that there are exceptions to these rights, if, for example, we are under a legal obligation to continue to process your personal data.
As a reminder, in France by application of article 40-1 of the Law n°78-17 of 6 January 1978 on Information Technology, Data Files and Civil Liberties, you have also the right to give instructions on the management of your personal data after yourdeath.
When we ask you to supply us with personal data we will attempt to make it clear whether the personal data we are asking for must be supplied so that we can provide the products and services to you or your employer, or whether the supply of any personal data we ask for is optional.
How Long We Keep Your Personal Data
We will retain your personal data for as long as we believe it necessary or desirable to fulfil our business purposes or to comply with applicable law, audit requirements, regulatory requests or orders from competent courts.
Personal data collected will be retained pursuant to our record retention policy, and in most instances will not be retained longer than ten (10) years from the date of last use.
Changes to our Privacy Notice
Any changes we may make to our Notice in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our Policy.
Contact Details
If you wish to exercise any of your legal rights, write to us at DPO[@]candriam.com.
1List of subsidiaries and affiliates are available on the following link:
Candriam - Succursale française: GENDER EQUALITY INDEX
In order to eliminate occupational inequality between women and men in companies, the Ministry of Labour has introduced the gender equality index, which is mandatory for all French companies with more than 50 employees.
The index is calculated out of 100 points on the basis of four indicators
If the index comes in below 75 points, the company must implement corrective measures to reach at least 75 points within three years.
Candriam France’s gender equality index for 2021 is 81 points out of 100.
This score encourages us to continue our commitment to promoting equality among employees, whatever their role at Candriam.
Occupational equality between women and men in the selection process prior to them being hired, as well as at all stages in their career, is a major issue to which we pay the utmost attention.
Greater occupational diversity is a source of collective enrichment, economic efficiency and social balance.
| indicators | score obtained |
| 1- pay gap (%) | 31/40 |
| 2- differences in individual increases (in % or equivalent number of employees) | 35/35 |
| 3- percentage of employees given a raise on their return from maternity leave (%) | 15/15 |
| 4- number of employees of the under-represented gender among the ten highest earners | 0/10 |
| Total calculable indicators | 81/100 |
2020: 75/100 (published on 22/02/2021)
2019: 84/100 (published on 21/02/2020)
Progress targets Gender Equality Index:
Although the data from the gender equality index does not show a significant pay gap, the company has set itself the target of improving the situation, and more specifically of reducing the pay gap in favour of men to below 10%. This improvement target has been specifically set based on the results of the 2021 index, in order to improve the score obtained on the pay gap indicator.
The company specifies that, since the publication of the index in February 2022, the latest measures for individual increases and changes in classification taken in the context of individual interviews and the agreement of 28 January 2020 have made it possible to further reduce the pay gap between women and men.
The company also maintains its objectives of continuing to:
The Company undertakes not to create new pay gaps between men and women, under any circumstances.
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