Legal particulars

Legal particulars

You are currently connected with the internet site which is the exclusive property of the Economic Interest Grouping “Gestion de l'Assurance et de la Réassurance des risques Attentats et actes de Terrorisme” (hereafter called “GAREAT”), a grouping whose Head Office is located at 1, Rue Jules Lefèbvre in Paris (75009), which is entered in the Paris Company Register under the number  440 576 486 (telephone: 01 53 21 51 66), and whose director (and person responsible for the publication) is Mr. Bernard Durand, President of GAREAT.

The legal particulars set out below constitute the General Conditions for the use of the site: these conditions, which are subject to French law, govern the use of all the site’s functionalities and apply to any person gaining access to the site (hereafter called “user” in the text). The simple fact of browsing on the site pre-supposes firm and unreserved acceptance of all the contents of this document.

The Site Manager

The site is managed and administered by GAREAT and by the service suppliers chosen by the latter in the fields of website management and administration.  

The site is edited and published by:

1 rue Jules Lefèbvre

75009 PARIS


The site is hosted by the technical service supplier:


26 Cours Gambetta

34 000 MONTPELLIER                       


Telephone:+ 33  (0)4 99 77 20 10

Legislation applicable to the site

The site is governed by French law.  

Access to the site

Access to the site is free of charge. However, the fees for access to, and use of, the telecommunications network must be borne by the user.  

The user acknowledges that he has the competence and resources necessary to gain access to, and to use, the site; he acknowledges, in particular, that he has checked that the computer equipment he is using in order to connect with the site contains no virus and that it is in perfect operating order.    

The site is available 24 hours a day, 7 days a week, except in the event of force majeure, of computer difficulties, of problems relating to the structure or operation of the communication networks, or of any other technical difficulty. Moreover, for maintenance reasons, GAREAT may interrupt access to the site, in which case it will do its utmost to warn users in advance.  


Computers and Liberties

In accordance with Law N° 78-17 of 6th January 1978 relating to computers, files and liberties (the so-called “Computers and Liberties Law”), all data of a personal nature concerning users which may be gathered and processed will be so in compliance with the provisions of the said law (under the responsibility of GAREAT in its capacity as the party responsible for processing).

The purpose of processing users’ personal data is the following:  

  • Processing and monitoring of requests made by users via the site’s heading “Contact us” (requests for information, requests for membership, technical questions…).

Exercise of the right of access

In application of Law N° 78-17 of 6th January 1978 relating to computers, files and liberties, the user has the right, for any legitimate reason, to object to (Art.38 of the law), to gain access to (Art. 39 to 43 of the law), and to rectify (Art. 40 of the law) the data concerning him. Thus, the user may require the rectification, completion, clarification, updating or deletion of data which concerns him and which is inaccurate, incomplete, ambiguous or out of date, or whose gathering, use, communication or conservation is forbidden.     
In order to exercise this right, the user should contact::

1 rue Jules Lefebvre

75009 PARIS


The said information and data are exclusively intended for use by GAREAT and will not be communicated to third parties.  




The site’s contents are the exclusive property of GAREAT. Any representation, be it total or partial, of the site by whatever procedure without GAREAT’s express permission is forbidden and would constitute an infringement of patents sanctioned by the Intellectual Property Code.    

The trademarks and logos appearing on this site are the exclusive property of GAREAT. Their mention in no way grants a licence or a right to use the said trademarks and logos, which cannot therefore be used without GAREAT’s prior agreement in writing.  

Any use not expressly authorised is strictly forbidden unless GAREAT’s prior agreement in writing is obtained.    


Responsibility / Liability

All the information accessible via this site is supplied as it stands.
It gives no guarantee, be it implicit or explicit, and assumes no liability with regard to the use of this information.  

GAREAT will be responsible for no inaccuracy, no error and no omission contained on this site.
The user alone will be responsible for the use of such information. 
GAREAT reserves the right to modify the information at any time, notably by updating this site. 

GAREAT can never be liable for any damage whatsoever, be it direct or indirect, arising out of information contained on this site. 
The user undertakes not to send information on this site which may give rise to civil or criminal responsibility or liability, and, in this respect, also undertakes not to disclose via this site information which is illegal, contrary to public policy, or libellous.    


Hypertext link

The links installed between the site and external sites cannot give rise to GAREAT’s liability, notably with regard to the contents but also with regard to the technical risks. In agreeing to use a hypertext link in order to gain access to an external site, you agree to take the risks and to suffer a possible prejudice, be it direct or indirect.  
The creation of hypertext links towards the site is fully authorised. For any request, you can send a message by using the Contact Form. In all events, users who create links towards this site undertake to withdraw their links upon GAREAT’s simple request.


Users of the website are informed that when they gain access to GAREAT’s internet site, information may temporarily be conserved in the memory system or on their hard disk by computer programmes called “Cookies”. Site users acknowledge that they have been informed of, and accept, this practice. Alternatively, they may oppose the recording of this information by Cookies if their browser so allows.   

Technical information

It is underlined that secrecy of correspondence is not guaranteed on the network and that each internaut must take all suitable measures in order to protect his own data and/or software from possible contamination by viruses circulating on the internet. GAREAT can never incur liability on this subject.   

Updating of the site’s legal particulars

GAREAT reserves the right to update these legal particulars at any time, in function of the evolution of the site’s contents and of the additional constraints necessary for protection.
GAREAT therefore invites each user to visit this page each time he consults the site so as to be aware of the latest position. 

Evidence, conservation, and filing

The computerised registers, which are conserved in GAREAT’s systems in full compliance with the rules of the art in security matters, qualify as evidence between GAREAT and the users. It is agreed that in the event that the users’ computerised registers vary from those of GAREAT, the latter will be deemed to be authoritative.