Terms of use

Latest version: 13/04/2026

PURPOSE AND SCOPE
UPDATES TO THE TERMS
DEFINITIONS
ACCESS TO THE PLATFORM AND MODIFICATIONS
INFORMATION AVAILABLE
HYPERLINKS
WARRANTIES
LIABILITY
PERSONAL DATA
INTELLECTUAL PROPERTY
MISCELLANEOUS PROVISIONS
GOVERNING LAW AND JURISDICTION

1. PURPOSE & SCOPE

1.1. These General Terms of Use (the “Terms”) set out the conditions for accessing and using the Platform and the services available on it, as well as the obligations applicable to all Users.

1.2. Access to or use of the Platform is subject to prior acceptance of, and full compliance with these Terms.

1.3. If a User accesses a BPCE API under a separate agreement entered into with an entity of the Groupe BPCE, these Terms supplement the provisions of that separate agreement. In the event of any conflict between the provisions of these Terms and those of the separate agreement, the provisions of these Terms shall prevail.

1.4. By accessing the Platform or using the services available on it, the User warrants that: (i) they have the authority to act on behalf of the entity they represent; and (ii) they have read, understood, and accepted these Terms.

2. UPDATES TO THE TERMS

2.1. The Terms may be updated from time to time. BPCE recommends that each Platform User reads them carefully, and makes and retains a copy of the Terms. The updated Terms will be communicated via publication on the Platform’s website, an on-screen display when accessing the API, or by any other means chosen by BPCE.

2.2. The period between the update of the Terms and their entry into force will depend on the scope of the changes made to the Terms.

2.3. If a User does not accept the changes to the Terms, they must stop using the Platform and any related services. Continued access to or use of the Platform from the date the updated Terms come into force constitutes acceptance of the updated Terms by the User.

2.4. The applicable Terms are those in force on the date of consultation of the Platform.

3. DEFINITIONS

3.1. In addition to the terms defined in these Terms, the following terms and expressions defined below shall have the following meanings:

API (Application Programming Interface): a software interface that enables a software programme, application or service to connect with another software programme, application or service to exchange data and functionalities.
BPCE API: an API developed, administered and hosted by a Groupe BPCE Entity and listed on the Platform, together with all associated Documentation, which enables an interface to be established with services or solutions provided by a Groupe BPCE entity.
Terms of Use / Terms: this document, including its annexes where applicable.
Documentation: the technical and/or functional information describing how to use an API.
Groupe BPCE: BPCE, the central body of the Caisses d’Épargne and Banques Populaires; credit institutions affiliated to BPCE; the networks of Caisses d’Épargne and Banques Populaires; the legal entities (civil or commercial companies, cooperative entities, associations, etc.) directly or indirectly controlled (exclusively or jointly) as defined in Article L.233-3 of the Code de commerce, by BPCE, by credit institutions affiliated with BPCE, or by an entity within the Banques Populaires network or the Caisses d’Epargne network.
Platform: the platform known as API Store Groupe BPCE, developed, administered and hosted by BPCE, and accessible via https://apistore.groupebpce.com (or any substituted address).
User: any natural person who accesses, views and uses the Platform for any purpose whatsoever.

4. ACCESS TO THE PLATFORM & MODIFICATIONS

4.1. All equipment of any kind required to access and use the Platform and associated services is the sole responsibility of the User, as are all associated costs, including telecommunications charges.

4.2. BPCE does not guarantee the accessibility or optimal use of the Platform depending on the software and configuration used by the User. Similarly, BPCE does not guarantee accessibility and optimal use in the event of a failure of the User’s internet service provider. In such cases, BPCE shall not be held liable for any inability to access the Platform, or for any malfunction or poor conditions of use thereof, that may be due to unsuitable equipment or configuration, a failure of the User’s internet provider, internet network congestion, or any other causes beyond BPCE’s control.

4.3. BPCE reserves the right, at any time and at its sole discretion, to modify, suspend or discontinue all or part of the Platform’s content or services. BPCE gives no guarantee of continuity, as the availability of the Platform may depend on third parties (e.g. internet providers, service providers, energy suppliers). In particular, BPCE reserves the right to temporarily suspend access to the Platform for maintenance, upgrades, or other reasons, without prior notice.

4.4. BPCE shall not be liable for any claims or damages resulting from the temporary or permanent inability to access or use the Platform and associated services.

4.5. Access to all or part of the information and services provided on the Platform may be restricted for certain individuals or in certain countries. No information or services will be provided to a User if doing so would contravene the laws of their country of origin or any other applicable laws.

5. INFORMATION AVAILABLE

5.1. BPCE endeavors to ensure the accuracy and timeliness of the information provided on the Platform and reserves the right to modify or correct content at any time and without notice. Consequently, BPCE provides no warranty whatsoever regarding the completeness, accuracy, thoroughness, or suitability of the information made available on the Platform.

5.2. BPCE assumes no liability for (i) any inaccuracies, errors or omissions relating to information available on the Platform, (ii) the use of the Platform or the information available on it by the User or any third party, and (iii) decisions made on the basis of information available on the Platform.

6. HYPERLINKS

6.1. The Platform’s pages may contain hyperlinks to third-party websites. Such hyperlinks are intended to facilitate navigation for Users. None of the Groupe BPCE entities has any control, either now or in the future, over the creation, content, updating, truthfulness or accuracy of third-party websites, nor over their offers, advertisements or the links to which they refer. Accordingly, none of the Groupe BPCE entities may be held liable for any illegal, erroneous or incomplete content on third-party websites or for any damage resulting from the use of information provided on them.

6.2. BPCE assumes no liability for any infringement of copyright, trademarks, or other intellectual property rights resulting from accessing a third-party website via a hyperlink.

6.3. Hyperlinks to the Platform may only be created with the prior written authorization of BPCE. Such authorization may be revoked at any time and without compensation. Under no circumstances may the Platform pages be embedded within another website. It must always be made clear to visitors that they are leaving the Platform.

7. WARRANTIES

7.1. The User acknowledges and accepts that the BPCE APIs and their Documentation are provided “as is” and “subject to availability.” The Groupe BPCE entities make no warranties in relation to BPCE APIs, and in particular do not guarantee their merchantability, fitness for a particular purpose, availability, or freedom from defect. The Groupe BPCE entities also do not guarantee any results that may be obtained by using BPCE APIs.

7.2. The User and the entity they represent warrant that they do not infringe or prejudice the rights of any third party, and that they are not in breach of any applicable laws and regulations.

7.3. The User and the entity they represent shall indemnify the Groupe BPCE entities against all consequences, including financial ones, and all damages, costs, expenses, and legal fees arising from any claim, demand or action resulting from (i) their use of the BPCE APIs or any connection to them, or (ii) any breach of these Terms by the User or the entity they represent.

8. LIABILITY

8.1. Users are free to access and/or use the Platform. Such access and/or use is undertaken at the User’s sole responsibility.

8.2. Under no circumstances may BPCE be held liable for any material or non-material damages, whether bodily or otherwise, direct or indirect, regardless of the cause, origin, nature or consequences, arising from the consultation and/or use of the Platform.

8.3. Under no circumstances may BPCE be held liable for any failure to perform the Terms where such failure is due to a force majeure event as defined in Article 1218 of the French Code civil. This includes, but is not limited to, cyberattacks, hardware or software failures, energy outages and interruptions or disturbances to telecommunications or electronic networks.

9. PERSONAL DATA

Refer to the dedicated page: Protection of personal data.

10. INTELLECTUAL PROPERTY

10.1. The Platform as a whole and each of its components are, unless otherwise stated, the exclusive property of Groupe BPCE Group entities, which are solely authorized to manage and exploit the intellectual property rights relating thereto. Unless otherwise provided for in these Terms, no intellectual property rights are transferred.

10.2. Consequently, the User and the entity they represent undertake to comply with any limitations or restrictions on the rights of access to or use of the Platform or any of its components as set out in these Terms, and shall refrain from any other action or use, unless prior written authorization has been obtained from the relevant Groupe BPCE entity.

10.3. Any trademarks, logos, or any other distinctive signs appearing on the Platform remain the exclusive property of their respective owners. BPCE is the exclusive owner of the domain name https://apistore.groupebpce.com and its variations. The User and the entity they represent must not (i) reproduce or use, in any manner whatsoever, such trademarks, logos or distinctive signs without the prior written consent of their respective owners, or (ii) use or register a trademark, domain name or any other distinctive sign incorporating all or part of the trademarks of one or more entities of the Groupe BPCE or that could be confused with a trademark of one or more entities of the Groupe BPCE.

10.4. If any Platform content is found to infringe the intellectual property rights of third parties, BPCE will promptly remove the disputed content after being informed of the issue, and/or to identify the true author or rights holder.

10.5. Credits for images or videos are indicated for each element, where applicable.

11. MISCELLANEOUS PROVISIONS

11.1. Independence. The User and BPCE act independently, and no provision of these Terms or action by the User or BPCE shall, under any circumstances, be construed as conferring the status of agent, distributor, representative, delegate, employee or employer relationship, or as constituting a company, a relationship of subordination, partnership, or joint venture between the User and BPCE.

11.2. Severability. If one or more non-essential provisions of these Terms are held to be invalid or unenforceable under applicable law, regulation, or a final judicial decision, the remaining provisions shall remain in full force and effect.

11.3. No Waiver. The failure of any Groupe BPCE entity to enforce a breach by the User of any obligations set out in these Terms shall not be construed as a waiver of that obligation in the future.

12. GOVERNING LAW & JURISDICTION

12.1. These Terms are governed exclusively by French law.

12.2. Any dispute relating to the validity, interpretation or performance of these Terms shall fall within the exclusive jurisdiction of the competent courts of Paris, which shall have sole jurisdiction, regardless of the number of defendants or third-party proceedings, including in respect of incidental claims, urgent measures or protective proceedings, whether in summary or ex parte proceedings.

12.3. Notwithstanding to the foregoing, the parties may agree to resort to business-to-business mediation.