Legal notices

Acceptance of the conditions of use of the Banque et Caisse d'Epargne de l'Etat, Luxembourg site

You are connected to the site of Banque et Caisse d'Epargne de l'Etat, Luxembourg (Spuerkeess).


Registered office:
1, Place de Metz

Postal address:

Telephone switchboard:
(+352) 4015-1


Independent public establishment

Registration number in the Luxembourg Commercial Register B 30 775
VAT Identification Number: LU 11408778

Spuerkeess is registered on the official list of Luxembourg financial institutions held by the Financial Services Industry Regulatory Commission (CSSF).

Regulatory authority:
Financial Services Industry Regulatory Commission (CSSF) 
283, route d'Arlon



Personal data

Access to some pages on the site is subject to prior communication of personal data concerning the users. Spuerkeess only stores data which is necessary in the context of the provision of its services (in particular in order to process user requests or improve site navigation), either on electronic media or in any other form.

The personal data that the users disclose voluntarily to Spuerkeess is processed confidentially, and will not be transmitted under any circumstances to third parties without their prior consent, and only in accordance with the provisions of Luxembourg law concerning banking secrecy.

Spuerkeess undertakes to make every endeavour to ensure that the personal data supplied by site users is transmitted via a secure means, but reminds users that secrecy of correspondence is not guaranteed on the Internet.

Users accept that any use of the site is made under their own responsibility.

In accordance with the legislation on protection of personal data, users have the right, inter alia,  to access and correct the data concerning them, the right to require the erasure of their data and to object the processing of their data. 

Users who wish to exercise one of the above-mentioned rights may submit a request by sending an S-net message, email or letter to the following address:

Banque et Caisse d'Epargne de l'Etat, Luxembourg

Data Protection Officer

1, Place de Metz

L-2654 Luxembourg 

Any request not submitted via S-net must be accompagnied by a copy of an identity document.

Users of the Spuerkeess site are informed that during their access to this site, information may be stored temporarily in memory or on their computer equipment, particularly to facilitate navigation on the site ("cookies"). For more information about the use of cookies, users may consult Spuerkeess's "Cookies Policy". 

By disclosing their telephone number(s) or their e-mail address on the Spuerkeess site, users accept that the Bank may provide them with information, either by telephone or by e-mail.

In case the user doesn't wish to receive this information anymore, he may opt-out from Spuerkeess's commercial communications and actions, in the above-mentioned way.

Users who have asked to receive information by SMS or other means of communication which entail charges, declare that they will pay any charges billed to them.

Conditions of access and use

This site is intended for customers of Spuerkeess and parties interested in the products and/or services offered by this institution.

This site is subject to the law of Luxembourg.

Spuerkeess undertakes to comply with all Luxembourg laws and regulations concerning the operation of an Internet site.

It is pointed out that mail secrecy is not guaranteed on the Internet, and that it is up to each Internet user to take all appropriate measures, so as to protect his/her own data and/or software from corruption by any viruses that may be circulating on the Internet.

The site is hosted by ebrc, 5, rue Eugène Ruppert, L-2453 Luxembourg, Grand-Duchy of Luxembourg.

Terms of access and use for the Chat function

These terms of access and use for the Chat function are an integral part of the terms of access and use for Spuerkeess.

By using the Chat function you accept these terms of access and use for the Spuerkeess website.

Terms of use and accessibility for the Chat function

The Chat function enables you to communicate online and ask a Spuerkeess advisor your questions in real time. A Spuerkeess employee answers your questions, providing tailor-made advice remotely during extended opening hours.

By clicking on the Chat icon, a window will open and you can start the Chat session. You can type your questions and then send your message by pressing the Enter key. The reply from the Spuerkeess advisor appears in the Chat window. The Chat session ends when you close the Chat window.

This service is available in Luxembourgish, French, English and German.

Security for the Chat function

You should verify the authenticity of the website before launching the Chat by checking that the digital certificate of the web server for Spuerkeess is shown in your browser.

You should ensure that you do not provide identification information (except for your first name, surname [and your e-mail address]) or financial or banking information (e.g. any information that you use for accessing secure services provided by Spuerkeess, such as S-net, the security code CVV for your bank card or your bank card number) during a Chat session. This information is not requested by the Spuerkeess advisor during a Chat session.

Spuerkeess shall not be liable for any direct or indirect damages occurring as a result of using a fraudulent website.

Confidentiality of the Chat function

You can start a Chat session without providing any personal information, in order to remain anonymous.

Spuerkeess shall not keep the contents of a Chat session for longer than the minimum time required by the tool used, i.e. 24 hours.

You agree to the storage and processing of electronic communication related to the use of the Chat function, in accordance with the provisions regarding personal data protection as detailed in the present terms of access and use for the Spuerkeess website.  

Information provided via the Chat function

Information communicated via the Chat function shall not, under any circumstances, be considered as an offer, advice or solicitation for a purchase or sale. Said information shall have no legal, accounting or fiscal value and shall only be valid at the time at which it is provided. The information is provided for information purposes only.

Spuerkeess advisers cannot reply to questions regarding your client relationship (e.g. the balance of your account, powers of attorney) and are unable to receive orders or instructions (e.g. payment orders, changes of address, opening of accounts).

Spuerkeess branches are available to provide any additional information and advice, and are able to draw up a tailor-made offer.

Spuerkeess shall not be liable for inaccurate, incorrect, incomplete, falsified or manipulated information.

Responsibility when using the Chat function

You shall be responsible for the content of your electronic messages and ensure that you do not send vulgar, abusive, offensive or defamatory messages or messages that breach legal and regulatory provisions in force.

Spuerkeess shall reserve the right to suspend or refuse access to the Chat function, either temporarily or definitively, for any user who does not comply with these terms of use.

Information provided to the user

Although Spuerkeess takes all necessary steps to ensure that information and data published on the site is correct, this is provided for information only. Spuerkeess cannot be held liable for inaccurate, incomplete or erroneous information, or for falsified or manipulated information.

This information does not constitute, under any circumstances, an offer or an invitation to purchase or sell. It does not constitute legal, accounting, or tax advice, and is only valid at the time at which it is given.

The dissemination of this information, in particular that concerning investment funds, is limited or regulated by the laws of certain countries. In the latter case, the dissemination of this information and subscription to the said investment funds is prohibited, or subject to the prior authorisation of the appropriate authorities. Spuerkeess draws the attention of visitors to this site to the fact that this information is not intended for natural or legal persons who, by virtue of their nationality, are subject to foreign legislation that prohibits or restricts the dissemination of such information.

The persons concerned, particularly, but not exclusively, American, Canadian and British citizens, are requested to enquire about restrictions that apply to them.

The Spuerkeess site has information that is made available by third parties or via hypertext links to other sites. The existence of a link from the Spuerkeess site to another site does not constitute a recommendation or a validation of this site or its content. Spuerkeess cannot be held liable for information, opinions and recommendations formulated by those third parties.

Spuerkeess reserves the right to modify the content of the site or to make it inaccessible.

Information about the risks of financial instruments

Issuing instructions requires full knowledge of the regulation and the operation of markets. It is intended for a knowledgeable clientele, well aware of the rapid fluctuations that may occur on certain markets, and their speculative nature, or their lack of liquidity.

Users of the site should read carefully the document entitled "Investing - A guide for the Investor" which may be consulted on the site and in Spuerkeess branch offices. By doing so they get the necessary information enabling them to assess the character of transactions and the specific risks that these transactions may entail.

If they consider that they do not have full knowledge about the securities in which they are considering investing, or that they lack information about a transaction that they are considering entering into, they must contact their usual branch office beforehand, in order to determine whether the investment concerned is compatible with their profile and their investment objectives.

Spuerkeess declines any liability concerning the appropriateness of a transaction performed on the basis of an instruction issued, or the compatibility of that transaction with the customer's profile.


All trade marks, logos or items appearing on the pages of this site are the exclusive property of Spuerkeess. Any reproduction, representation or dissemination, in full or in part, of the content of this site on whatever medium or by whatever process it may be, constitutes an infringement of copyright and is prohibited without the express authorisation of Spuerkeess.

The creation of hypertext links to this site is subject to the prior consent of Spuerkeess.

Organisation of contests, tombolas or lotteries.

The organisation of contests, prize draws for advertising purposes or lotteries is subject to the provisions of the consumer protection law and more precisely the articles L122-4 and following.

User name, password

The user is solely liable the safe keeping and maintaining the confidentiality of his/her passwords to the secure services provided by Spuerkeess.

The user undertakes to inform Spuerkeess immediately of any unauthorised use of his/her account or any breach of security.

The user grants Spuerkeess the right to end all or part of the right of access corresponding to its identification parameters.


Users accept that any use of the site is made under their own responsibility. Spuerkeess declines all liability for direct or indirect losses that may be caused by the use of the site, particularly in relation to a break or cessation of the operation of the site, or a dysfunction of the site, which may result from a shutdown for maintenance or upgrade of Spuerkeess's computer systems, technical faults or network overloads, faults in telephone lines, errors, negligence or misdemeanours by suppliers, Internet services or a third party, or a virus acquired via the Internet.

Competent court and applicable law

Any disputes relating to the use, interpretation or execution of the information and data appearing on this site shall be submitted to the Luxembourg courts.

The applicable law is the law of Luxembourg.


Only the French version of this site is authoritative.