Legal information

Who 'we' are
Euler Hermes UK and Euler Hermes Ireland are branches of Euler Hermes SA(NV), Avenue des Arts 56, 1000 Brussels, Belgium. Company no. 0403.248.596 RPM Brussels. Insurance firm, registered under code 418.
Euler Hermes UK is registered as a branch in England and Wales with no. BR015404, and registered branch address 1 Canada Square, London E14 5DX. Euler Hermes Ireland is registered as a branch in Ireland with no. 906694, and registered branch address Allianz House, Elmpark, Merrion Road, Dublin 4.
Euler Hermes SA (NV), trading as Euler Hermes UK, is authorised by the National Bank of Belgium and the Belgian Financial Services and Markets Authority and is subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.
Euler Hermes SA (NV), trading as Euler Hermes Ireland, is authorised by the National Bank of Belgium and the Belgian Financial Services and Markets Authority in Belgium and is regulated by the Central Bank of Ireland for conduct of business rules.
Euler Hermes Collections UK is a business name of Euler Hermes Services UK Limited. Registered in England and Wales No. 3376459. Registered Office 1 Canada Square, London E14 5DX.

Euler Hermes Collections Ireland is a business name of Euler Hermes Services Ireland Ltd.  Registered in Ireland with no. 440045. Registered office Allianz House, Elmpark, Merrion Road, Dublin 4.
Euler Hermes Collections is the UK established branch of Euler Hermes Collections Sp. z o.o. Registered in England and Wales with no. BR015020. Registered office 1 Canada Square, London E14 5DX.

Terms and conditions of use
You should read these terms and conditions carefully before using this web site (the 'Site'). By accessing and using the Site you agree to be bound by the terms and conditions set out below. If you do not wish to be bound by these terms and conditions, you may not access or use the Site.

Site content
Although we have taken all reasonable care to ensure that the information posted on the Site is current, true and accurate in all material respects and that there are no other material facts the omission of which would make any of the information misleading, we give no warranty, express or implied, with regard to the accuracy or currency of the information posted on the Site. The content of the Site is general in nature and for information purposes only.

Site access
We reserve the right to suspend and withdraw access to some or all of the pages of the Site without notice at any time and accepts no responsibility for these pages not being available. We do not warrant (1) the full functionality of the Site, (2) that defects in the Site will be corrected or (3) that the Site or the server that makes it available is free of viruses or bugs.

Where we provide hypertext links to other web sites or contacts, we do so for information only and such links do not constitute an endorsement or recommendation by us of any products or services in such sites. You use such links entirely at your own risk and we accept no responsibility for the content or use of such web sites or for the information contained on such sites.

Unless otherwise stated all rights, including copyright, database rights and other intellectual property rights, in the Site and its contents are owned by (or licensed to) us and you are responsible for obeying all applicable copyright laws. You may use the information and take copies of the Site as necessary incidental acts during your viewing of it and you may take a print for your personal use of so much of the Site as is reasonable for private purposes. The information may not otherwise be reproduced, stored in any medium (including in any other web site), distributed or transmitted to any other person or incorporated in any way into another document or other material without the prior written permission of us.

Use of the site
You agree to use the Site only for lawful purposes and in a manner, which does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Site by any third party. You agree not to import or transfer to the Site either directly or indirectly any information or other content which is or may be inaccurate, misleading, defamatory, obscene or offensive or in breach of any intellectual property right or similar right or damaging to the software or performance of the Site.

The Site is directed at European Union residents only and the services described in the Site are only available to European Union residents to the extent that we are licensed to sell insurance within the European Union. You agree to use the Site in a manner consistent with any and all applicable law and regulation in the country in which you access the Site.

Scope of your responsibility
You are wholly responsible for the use of the Site by any person using your terminal or point of presence and are responsible for ensuring that any such person also fully complies with these terms and conditions.

Your breach
If you are in breach of these terms and conditions you agree to indemnify us in respect of any and all losses, costs or damages including reasonable legal fees incurred by us in relation to or arising out of such breach

Data privacy and cookies
Collection and use of personal data
We are committed to protecting and respecting your privacy.  By using this Site, you consent to us collecting and processing personal data you provide as set out below.  For the purpose of the data privacy legislation and in relation to any personal data that we may collect from you when you visit our website, the data controllers are Euler Hermes Europe S.A. (N.V.), trading as Euler Hermes UK in the UK and Euler Hermes Ireland in Ireland, Euler Hermes Services UK Ltd, and Euler Hermes Services Ireland Ltd, trading as Euler Hermes Collections Ireland. 
We may collect and process your personal data when you register to use our Site or on-line services (such as EOLIS), subscribe to receive our mailings, and request our services and products.  If you contact us, we may keep a record of that correspondence. 
Where we are provided with your personal data, it may be used in the following ways:
·         To ensure that content from our Site is presented in the most effective manner for you and for your computer and to allow you to participate in interactive features of our service, when you choose to do so.
·         To provide you with information, products or services that you request from us, and to carry out our obligations arising from any contracts entered into between you and us. 
·         To contact you regarding our products or services that we feel may be of interest to you. If you subscribe to our mailing service, we will use your contact details to keep you up to date with our products, research and information.  You can unsubscribe from any of the mailings or change your mailing preferences at any time by contacting us (by using either contact details provided on the Site or Contact us form).
We may disclose your personal data to other companies in the our Group or other responsible third parties, within or outside the European Economic Area, for the purposes of carrying out credit insurance and any associated activities, including risk assessment, credit referencing and debt collection. 

If you provide data on another individual within your business, you confirm that you have obtained the consent of that individual to permit us to process the data as described above.

We use cookies on this Site. This enables us to give you the best experience possible when using our Site. By continuing to use our Site, you agree to the use of cookies as explained in our cookies policy. If you would like to change your settings relating to cookies, please view this page on how to manage cookies.
We make no warranties except as set out in these terms and conditions and to the extent permitted by law all other express and implied warranties are hereby excluded.

Limitation of Liability
To the extent permitted by law, we do not accept any responsibility for any losses or damages whatsoever including, without limitation, direct, indirect, special or consequential loss or damage and/or loss of profits, business revenue, goodwill or anticipated savings arising out of access to or use of or reliance on any information posted on the Site or any hypertext or hyperlink to a web site or any information contained on or accessed through such web site.

Entire Agreement
These terms and conditions contain the entire understanding between you and us with regard to your use of the Site and no representation, statement or inducement, whether oral or written, not contained herein shall bind either you or us. We reserve the right to change these terms and conditions from time to time. Use of the Site is subject to the terms and conditions posted on the Site at the time of your visit. If you do not agree to any changes to the terms and conditions then you must immediately stop using the Site.
No Insurance Contract
Please note that we do not sell insurance over the Internet. Any contract of insurance between you and us will be governed by separate terms and conditions agreed between you and us.

Should any part of these terms and conditions for any reason be declared invalid by a court of competent jurisdiction, such determination shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of these terms and conditions had been eliminated.

Governing Law
These terms and conditions and your use of the Site are governed by English law. Disputes arising out of these terms and conditions shall be subject to the exclusive jurisdiction of the English courts.