Legal information

Please read the importante information below, as it explains certain restrictions on the distribution of information available on this website.

Website access

Access to the website is free of charge. Charges for accessing and using the telecommunications network are payable by the customer, according to the terms set by the customer's service providers and telecommunications operators.

Users of this website acknowledge that they have the necessary skills and means to access and use this website. Users are reminded that fraudulently accessing a computer system, obstructing or disrupting its operation, or fraudulently entering or changing the data on a computer system are offences that are subject to criminal penalties.

General information

The purpose of the website is not to show the account balance or status of the customers of Cardif Lux Vie. The content of this website is solely intended to provide general illustrative information relating to the services offered by Cardif Lux Vie.


Although the information appearing on the website has been obtained from sources that Cardif Lux Vie believes to be reliable, we do not guarantee its accuracy and such information may be incomplete or summarised.

Cardif Lux Vie reserves the right to correct the website content at any time and without prior warning. Furthermore, Cardif Lux Vie does not accept any liability in the event of delays, errors or omissions relating to the content of such pages, or in the event of the service not being available.

The information, opinions and estimates appearing on this website must not either be deemed authoritative or be used by anybody in the place of their own judgement. This information must not be deemed to constitute legal or tax advice. Individuals are strongly advised to seek the opinion of a qualified, authoritative professional to best interpret and respond to the situation and to their specific needs.

Access to the products and services presented on the website may be subject to restrictions regarding certain persons or countries. It is the responsibility of any interested parties to check with their usual advisers that they are legally and fiscally eligible prior to subscribing to the products and/or the services presented on the website.

Cardif Lux Vie shall not be held liable for any decision made based on the information contained on the website, or the potential use thereof by third parties.

No offer

The information and opinions contained on this website shall under no circumstances be construed as a solicitation, offer or recommendation to buy, sell or take out life insurance.

Cardif Lux Vie shall not accept any liability for customers who seek to enter into a life insurance contract against the law in their country of residence.


The website also provides links to other websites for which we are not liable, either in relation to their full compliance with the rules of public order and morality, or their personal data protection policy or the use made thereof. As a result, Cardif Lux Vie shall not be held liable for any content, products, materials, services or other items offered on the websites which the user accesses through such links.

Furthermore, Cardif Lux Vie shall not be held liable for any direct or indirect harm arising from the websites accessed by the user through such links.

Technical damage

Cardif Lux Vie shall not be held liable for anything outside its control or any damage potentially occurring to the user's technical environment and, in particular, the user's computers, software, network equipment, or any other hardware used to access or use the service and/or information.


A cookie is an item which records information relating to the user's navigation on the website without allowing this user to be identified. The user is informed that when visiting the website, a cookie may be automatically installed and be temporarily saved in the memory or on the user's hard disk. Website users acknowledge that they have been informed of this practice and accept its use by Cardif Lux Vie. Users may deactivate this cookie through their browser settings.

Personal data

Since the 25th May 2018, the General Data Protection Regulation (GDPR) is in force throughout the European Union. 

The information related to the protection of personnal data realised by Cardif Lux Vie can be found in this Data Protection Notice :

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Our web pages also contain links to other websites for which we are not liable, either with regard to their full compliance with the rules of public order and morality, or their personal data protection policy or use made thereof.
By accessing another website through a hyperlink, you accept that you are doing so at your own risk. Consequently, Cardif Lux Vie shall not be held liable for any direct or indirect harm arising from your accessing another website connected by a hyperlink.

Intellectual property

Cardif Lux Vie is the owner or holder of the rights to all the elements that make up this website, in particular, data, designs, graphics and photos. Any full or partial reproduction, representation, distribution or redistribution of the content of this website, by any means whatsoever, without the express and prior permission of Cardif Lux Vie's Webmaster, is prohibited.

The trademarks of the editor of the website and its partners, as well as the logos appearing on the website are registered trademarks. Any full or partial reproduction of these trademarks or logos, carried out using website elements without the express permission of Cardif Lux Vie or its beneficiaries is therefore prohibited.

Conflicts of interest Policy

Cardif Lux Vie has developed a policy to protect the interests of its customers, a summary of which is presented in this document. FR | EN | ES | IT | PT | NL DE

Applicable law

The content of the website is subject to Luxembourg law.
The Luxembourg courts have jurisdiction to handle any dispute relating to the content or use of the website