Disclaimer

Disclaimer

The services offered at the www.eacb.coop website, along with all information and content made available by The European Association of Co-Operative Banks at this site for Internet users, shall be governed by the general terms and conditions set out herein.

Introduction:

The mere act of using and/or consulting this website shall automatically and unconditionally be taken to imply that you fully accept, in their entirety, all the terms and conditions set out herein.
The European Association of Co-Operative Banks reserves the right to amend, at any time, the terms and conditions of use set out herein, without prior notice and without any form of compensation. We therefore advise that you consult them regularly.

Liability:

Whilst the greatest possible care has been taken in creating and updating this site, The European Association of Co-Operative Banks cannot furnish any guarantee whatsoever as to the accuracy of information to be found there and shall not be held liable in any way whatsoever with regard to site content and use of the site.
Information and data shown at the site are provided purely for information purposes and for guidance. The European Association of Co-Operative Banks shall not be held liable in any way whatsoever in the event of error, inaccuracy or omission affecting the information.
Generally-speaking, The European Association of Co-Operative Banks may not be held liable in the event of technical problems of any nature such as may affect the broadcasting of its Site.
The European Association of Co-Operative Banks reserves the option of altering, of suspending, temporarily or permanently, all or part of the site, without prior notice and without any form of compensation.
The European Association of Co-Operative Banks will not, under any circumstances whatsoever, be held liable to you or to any third-party in respect of any alteration to the site or to interruption, suspension or closure thereof.
Where The European Association of Co-Operative Banks establishes links to other sites, The European Association of Co-Operative Banks may not be held liable in respect of the content and existence of these other sites.
Subject to such legal or regulatory provisions as may apply, The European Association of Co-Operative Banks may not be held liable for any losses, direct or indirect, including in particular, but not limited to, loss of profits, customers, data, non-material assets that may arise due to use or to inability to use the site, also, more generally, to any event linked to the site and/or any third-party site. In particular, The European Association of Co-Operative Banks may not be held liable in the event of total or partial piracy of the site and in respect of such losses as you or any third-party may incur as a result of such piracy.

Intellectual property:

Site use shall confer no intellectual property rights whatsoever upon the user as regards site content, which shall remain the exclusive property of The European Association of Co-Operative Banks.
This means that all text, photos, videos, data, displays, logos, trademarks and other items reproduced on the site shall be reserved and protected by the law governing trademarks and/or royalties and/or any other provision currently in force such as may apply to intellectual property.
This being the case, you are only permitted to use the site for your own personal purposes. Any other form of use shall be taken to be an infringement and/or breach of the law governing trademarks and/or royalties and/or of any other provision currently in force such as may apply to intellectual property.
It is, therefore, forbidden to reproduce, represent, broadcast, offer for sale, alter, grant, partially or in full, any item reproduced on the site and the site in general, partially or in full, without prior express permission from The European Association of Co-Operative Banks.
Any unlawful use of all or part of the site (pirating, infringement, etc.) may result in proceedings being brought, pursuant to current laws.

Links and hyperlinks:

You may set up a link between your own site and the homepage at the The European Association of Co-Operative Banks site. Any hyperlink between your own site and a page inside our site must be expressly authorised in advance by The European Association of Co-Operative Banks.

Personal data:

The European Association of Co-Operative Banks may collect certain items of information relating to you that identify you by name. These personal details will be processed in accordance with current legislation. In particular:
- Information obtained by the data-processing manager, particularly names, forenames, addresses and telephone numbers provided by you, may be encoded in automated The European Association of Co-Operative Banks data files.
- These details may be utilised and processed by The European Association of Co-Operative Banks for the purposes of managing relationships with its web-surfers.
- Unless you have any objection, these details may also be used by The European Association of Co-Operative Banks and its partners for marketing, public relations and market research purposes.
- Individuals have the right to consult any personal details relating to them free of charge and to have them amended free of charge if they are found to be incorrect, incomplete or non-relevant. Persons wishing to exercise this right may do so either by sending a written, signed and dated request to HOSPITHERA SA/NV - Rue E. Feronstraat, 70 | 1060 Brussels/Belgium, accompanied by a two-sided copy of their identity card, or by using the «User profile» link at the foot of each newsletter sent to them by The European Association of Co-Operative Banks.
- Any person who so wishes may also obtain further information relating to legislation dealing with the protection of personal details from the “Commission pour la Protection de la Vie Privée”, avenue de la Porte de Hal, 5-8, 1060 Brussels 3.

Property and personal liability rights:

When you give your opinion under any of the headings at the The European Association of Co-Operative Banks site or if you provide any content, you are, in so doing, transferring all intellectual property rights relating thereto expressly and free of charge to The European Association of Co-Operative Banks and, particularly, the right to reproduce, represent, adapt, using any medium and in any format, whether currently known or not known, throughout the world and for as long as any present or future intellectual property may exist.
In publishing a message on the The European Association of Co-Operative Banks site, you undertake not to break the law and, particularly, not to defame or abuse, not to broadcast any content that is racist or that offends good morals, not to harass or threaten any person, nor to interfere with the natural rights of others, such as the right to privacy, image rights and the right to human dignity.
You and you alone shall be liable in connection with the content of your message and, as such, you shall protect The European Association of Co-Operative Banks against any proceedings and/or action that any person may seek to bring as a result of the fact that your message was broadcast on the The European Association of Co-Operative Banks site.
The European Association of Co-Operative Banks reserves the option of publishing or not publishing any message on its site, of altering it, of keeping it on line or of deleting it at any time, this without any obligation so to inform you in advance.

Applicable law - disputes:

The site shall be governed by Belgian law and the Courts with jurisdiction in the Brussels area shall, alone, be competent to rule in any disputes that may arise.

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