General Terms & Conditions
“QUIZ: DISCOVERING CACIB'S MEDIUM-TERM PLAN”
ARTICLE 1. ORGANISATION
The Communications Department of Crédit Agricole Corporate and Investment Bank, having its registered office at 12, place des Etats-Unis, 92120 Montrouge, listed in the Nanterre Trade and Companies Register under SIREN No. 304 187 701, hereinafter referred to as “Crédit Agricole CIB”, authorised as a credit institution (hereinafter the “Organising Company”), is organising Crédit Agricole CIB’s in-house competition “Quiz: discovering CACIB's medium-term plan”, (hereinafter the “Competition”).
As part of the 2026 New Year’s Wishes, from 5 December 2025 to 7 January 2026, Crédit Agricole CIB is organising an in-house competition with a prize draw entitled “Quiz: discovering CACIB's medium-term plan”.
ARTICLE 2. TERMS AND CONDITIONS FOR ENTERING THE COMPETITION
2.1 Conditions of entry
Entry in the Competition is open to in-house employees, regardless of their status (permanent, temporary, block release, excluding service providers), with the exception of those who have been involved in organising the Competition in any capacity whatsoever. The employee must be present in the Organising Company’s workforce on the date of the draw, i.e. 09/01/2026.
Each employee (identified by their Surname + Forename + professional e-mail address) is entitled to take part in the 4 quizzes, throughout the competition.
Any proven fraud or attempted fraud will automatically result in the elimination of the entrant concerned.
Any failure to provide information or false declaration of identity will also automatically result in the elimination of the entrant.
2.2 How to enter
This Competition is free to enter with no purchase obligation. Entrants will not be entitled to any reimbursement of Internet connection costs.
Take part in our four quizzes and discover the 8-letter mystery word.
How it works
Throughout the advent calendar, you will be offered 4 “Focus PMT” quizzes. Each quiz completed with a 100% score will earn you 2 letters of the mystery word. The 4 quizzes therefore represent the 8 letters, in random order, of the word to be discovered.
Please note that letters are only awarded if the quiz is completed with a 100% score. Any incomplete or incorrect answers will not give you access to the corresponding letters.
The mystery word
Once you have obtained all 8 letters, use them to spell out the mystery word. If you have not taken part in all the quizzes or have not achieved 100% correct answers, you can still try to guess the mystery word.
You have until January 7, 2026 to submit your final answer. Any entry that does not comply with all the conditions will be considered null and void and will not be taken into consideration.
Entrants acknowledge that they are aware and accept that the proposed competition calls upon their knowledge. However, it is partly dependent on chance and luck as far as the final draw is concerned. It is therefore similar to a lottery.
ARTICLE 3. DRAWING OF WINNERS
Of the entrants who have found the mystery word, a total of 30 winners will be drawn who will receive the prize described in article 4.
The 30 winners will be drawn on “plouf-plouf.fr”, an online tool for drawing lots.
Within 3 working days following the drawing of the winners, the winners will also be informed by e-mail, which they expressly accept at the time of their entry, of their selection, the allocation of the prize and how the prize will be awarded.
ARTICLE 4. ALLOCATION AND AWARDING OF PRIZES
The following prizes are up for grabs:
- 30 gift cards worth 50 euros each
The prizes will be available until 31 January 2026 included. After this date, the winners will no longer be entitled to the prize.
The prizes cannot be reimbursed or exchanged either for other prizes or for their cash value.
In the event that the prize is unavailable, Crédit Agricole CIB reserves the right to replace it with a prize with the same characteristics and of equivalent value.
If the winner refuses the prize, they will not be able to transfer the prize to another employee. They must indicate and mention their refusal by e-mail no later than 5 p.m. on 20 January 2026. The prize will then be automatically put back into play and reallocated, by drawing lots, to an entrant who has found the mystery word and has not already received a prize.
ARTICLE 5. LIABILITY
If a case constituting force majeure occurs or if exceptional circumstances beyond its control so require, the Organising Company may, without being held liable:
- shorten, extend or even cancel this Competition or change the prize
- replace the prize won with a prize of the same nature and equivalent value.
In the event that these same circumstances prevent the awarding of the prize, the winners will not be able to hold the Organising Company liable or request its equivalent value in euros.
In addition, the Organising Company is not liable for any damage related to the acceptance of the prize. The Organising Company may not under any circumstances be held liable for any incident and/or accident or its consequences, which may be suffered by the winners and which may occur as a result of the winners, or more generally for any incident or accident that may occur during the Competition and the consequences arising therefrom.
The Organising Company shall not be held liable for any error in the delivery of the prize, for the loss of the prize during shipping or for the impossibility of contacting the winners.
Any change in the content of these rules will be the subject of an amendment which will be available on the link indicated in the “Consultation and acceptance” article of these rules.
The Organising Company reserves the right to take legal action against anyone who has committed fraud or attempted to do so. However, it shall not incur any liability of any kind towards the entrants as a result of any fraud that may be committed.
In particular, it shall be considered fraudulent for an entrant to register and then enter the Competition under one or more fictitious names or names borrowed from one or more third parties, each entrant having to register and enter the Competition under his or her own and unique name.
Any attempt to pirate, hack, intervene in or modify the scripts and other technical elements of the Website and the Competition will also be considered as fraud.
Any suspected or proven fraud will result in the automatic elimination of the entrant. This decision is left to the discretion of the Organising Company.
Entry in the Competition implies knowledge and acceptance of the characteristics and limits of the Internet, in particular with regard to technical performance, response times for consulting, querying or transferring information, the risks of interruption, and more generally, the risks inherent in any connection and transmission on the Internet, the lack of protection of certain data against possible misappropriation and the risks of contamination by any viruses circulating on the network.
The Organising Company shall therefore under no circumstances accept liability for any issues relating to, but not limited to:
- the content of the services consulted on the Website and, in general, any information and/or data disseminated on the services consulted on the Website;
- the transmission and/or reception of any data and/or information on the Internet;
- any Internet network failure preventing the normal progress/functioning of the Competition;
- the failure of any data reception equipment or lines of communication;
- the loss of any paper or electronic mail and, more generally, the loss of any data;
- delivery problems;
- the functioning of any software;
- the consequences of any virus, bug, anomaly or technical fault;
- any damage caused to an entrant’s computer;
- any technical, hardware or software failure of any kind that prevents or limits entry in the Competition or damages an entrant’s system;
- any technical failure encountered by the entrant during registration (power failure, server incident).
It is specified that the Organising Company may not be held liable for any direct or indirect damage resulting from an interruption or malfunction of any kind, for any reason whatsoever, or for any direct or indirect damage resulting in any way from a connection to the Website. Entrants are responsible for taking all appropriate measures to protect their own data and/or software stored on their computer equipment against any attack. The connection of any person to the Website and the entry of players in the Competition is under their sole responsibility.
ARTICLE 6. DATA COLLECTED TO ENTER THE COMPETITION
The data collected to enter the competition and to carry out the draw are: surname, forename, e-mail address of the employee.
The data of the entrants in the Competition will be kept from 05/12/2025 (start of the competition) until 31/01/2026.
ARTICLE 7. PERSONAL DATA PROTECTION
In the context of the Competition, the Organising Company undertakes to comply with all applicable laws and regulations regarding the protection of personal data and in particular with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (hereinafter the “GDPR”).
The information collected by the Organising Company is essential to validate the entrant’s entry. It will be used for organising the Competition and awarding the prize to the winners.
Pursuant to the GDPR and the latest version of French Data Protection Act No. 78-17 of 6 January 1978, entrants have the rights of access, rectification, deletion, opposition on legitimate grounds, portability and limitation which they can exercise by simple request sent by email to: gdpr-dex@ca-cib.com.
Entrants may also contact the Data Protection Officer of CACIB - Direction de la Conformité / Data Protection - 12, place des Etats-Unis - 92127 Montrouge Cedex. In the event of a dispute, the entrant may lodge a complaint with the CNIL, whose contact details can be found at http://www.cnil.fr.
ARTICLE 8. CONSULTATION AND ACCEPTANCE OF THE RULES
The rules are available on InsideLive.
Entry in this Competition implies full acceptance by the entrants of all the clauses and conditions of these rules and of any amendments that may be published during the Competition.
ARTICLE 9. AGREEMENT OF PROOF
It is agreed that, except in the case of obvious error, the Organising Company may rely, in particular for the purposes of proof of any act, fact or omission, on programs, data, files, recordings, operations and other elements (such as monitoring reports or other statements) of a computerised or electronic nature or in/on computerised or electronic formats or media, drawn up, received or stored directly or indirectly by the Organising Company, in particular in its information systems.
The entrants undertake not to contest the admissibility, validity or probative value of the aforementioned elements of a computerised or electronic nature or in/on computerised or electronic formats or media, on the basis of any legal provision whatsoever which specifies that certain documents must be written or signed by the parties to constitute proof.
Thus, the elements in question constitute evidence and, if they are produced as evidence by the Organising Company in any litigation or other proceedings, they shall be admissible, valid and enforceable between the parties in the same way, under the same conditions and with the same probative value as any document drawn up, received or kept in writing.
ARTICLE 10. EXCLUSION
The Organising Company reserves the right to cancel the entry of any entrant who does not comply with these Rules.
This cancellation may take place at any time and without notice. The Organising Company also reserves the right to delete any entry form containing obvious errors as to the identity of the entrant. This deletion may take place at any time and without notice.
APPLICABLE LAW - DISPUTES
These rules are subject to French law.
Any complaint must be sent in writing within 30 (thirty) days following the closing date of the Competition, i.e. 06/02/2026, and within 7 (seven) days after receipt of the prizes in the case of any dispute or complaint relating to the latter, with the postmark being taken as proof, to the following address:
Crédit Agricole CIB
Communications Department
12, place des États-Unis
92120 Montrouge – France
In the event of failure to reach an amicable agreement regarding a complaint or dispute, the Organising Company and the entrant reserve the right to submit their dispute to the competent courts.