Whistleblowing

The whistleblowing feature on this page lets you report information about a crime or legal violation, a threat or harm to the public interest, an offense against applicable law or regulation, an attempt to conceal such an offense, or a breach of the Group’s Code of Conduct.

If you are a customer of BNP Paribas Cardif and want to file a complaint or have your claim re-examined, do not use the whistleblowing feature. Instead, read more on our “if you are not satisfied” page.

Whistleblowing Feature

BNP Paribas Cardif must comply strictly with laws and regulations and follow the Group’s Code of Conduct.

Independent experts handle whistleblowing reports confidentially and in accordance with applicable law. The relevant legislation protects whistleblowers from retaliation. Misusing the whistleblowing system may expose the reporting person to disciplinary sanctions or prosecution.

The Professional Ethics department, which belongs to the Compliance function, is responsible for BNP Paribas Cardif’s whistleblowing feature.

You can submit a report to the Whistleblowing function online or by phone here.

You may also request a personal meeting through the above channel. To ensure your anonymity, please note that you should call from a blocked number.

Reporting to the Competent Authority

It is also possible to whistleblow externally to the responsible authority. To obtain protection, you must first have made an internal report that has not resulted in reasonable follow‑up actions, or you have not received feedback or adequate follow‑up within a reasonable time.

Protection may also apply if you have reasonable grounds to believe that misconduct poses an imminent or obvious danger to life, health, safety, or a risk of significant environmental damage, or if you have reason to believe that an internal report would expose you to retaliation or would unlikely lead to an effective remedy.

For BNP Paribas Cardif, the relevant authority for external reporting is the Swedish Financial Supervisory Authority (Finansinspektionen).

Whistleblower | Finansinspektionen

When reporting externally to the Financial Supervisory Authority, Finansinspektionen, protection is maintained in accordance with the applicable regulations. The scope of the Financial Supervisory Authority’s confidentiality in a whistleblowing case depends on the subject of the report. When reporting externally to Finansinspektionen, protection is maintained in accordance with the whistleblowing legislation described above.

Examples of other authorities that provide external reporting channels include the Swedish Work Environment Authority (Arbetsmiljöverket) and the Swedish Data Protection Authority (Integritetsskyddsmyndigheten).

Please refer to the relevant authorities’ websites for more information.