Legal notice

Site publisher

Cabinet BOUVIER · Roland BOUVIER, sole trader (entrepreneur individuel)
SIRET (French business number): 339 382 897 00058
Address: 750 chemin de Bondonneau, 26780 Allan, France
Phone: +33 6 80 15 07 85 · Email: bouvierroland@aol.com
Publication director: Roland BOUVIER

Regulatory status

Insurance professional since 1987. Insurance broker (category b), registered in the French single register of insurance, banking and finance intermediaries (ORIAS) under no. 07 029 399. Registration can be checked at www.orias.fr.

Roland BOUVIER does not hold the status of financial investment adviser (CIF): his advice covers insurance contracts (life insurance, capitalisation contracts, insurance-based retirement savings plans, protection).

Professional liability insurance and financial guarantee in accordance with articles L512-6 and L512-7 of the French Insurance Code.

List of partner insurers available on request.

Supervisory authority: Autorité de contrôle prudentiel et de résolution (ACPR), 4 place de Budapest, CS 92459, 75436 Paris Cedex 09, France.

Complaints and mediation

For any complaint, you can write to: 750 chemin de Bondonneau, 26780 Allan, France, or bouvierroland@aol.com. Your complaint will be acknowledged within 10 working days and answered within two months at most.

Hosting

Netlify, Inc. · San Francisco, California (USA) · www.netlify.com

Intellectual property

The texts, graphics and logos on this site are the property of Roland BOUVIER. Illustrative photographs come from Unsplash (Unsplash licence).

Warnings

The information published on this site, the articles, the Point de vue letter, the calculators and the online review are provided for general information. They constitute neither personalised advice, nor an investment recommendation, nor an offer to subscribe. Personalised advice requires a prior analysis of your situation, objectives, investment horizon and risk tolerance.

Risk of capital loss. Unit-linked funds (equities, bonds, property, diversified funds…) do not guarantee the capital invested: their value can fall as well as rise, and you may lose all or part of the amounts invested. The insurer guarantees the number of units, not their value.

Performance. Past performance is not a guide to future performance. Returns quoted are gross, before fees, tax and social charges, unless stated otherwise. Simulations are based on assumptions that are not guaranteed.

Tax. The tax advantages mentioned depend on your personal situation and on French rules in force at the date of publication, which may change. Savings in a retirement savings plan are in principle unavailable until retirement, except in early-release cases provided by law.

Before any subscription, you receive the contractual documentation (policy terms, key information document, general conditions) and a written record of the advice, in accordance with the Insurance Distribution Directive. The nature of my remuneration and my conflict-of-interest policy are disclosed to you and available on request.

The French life insurance guarantee fund protects life insurance policies if an insurer fails, up to €70,000 per insured person and per insurer.