Legal Notice

By accessing and using www.atradius.com or any of the mentioned sites of Atradius at the world wide web (hereinafter: jointly and individually referred to as the “Web Site”) you agree to be bound by the following Terms and Conditions of Use of Atradius N.V. and its affiliated companies and subsidiaries (hereinafter: jointly and individually referred to as "Atradius") without limitation or qualification.
Atradius may change these Terms and Conditions of Use at any time without notice. Changes will be posted under “Legal Notice”. Your use of the Web Site after any changes have been posted will constitute your agreement to the modified Terms and Conditions of Use and all of the changes. Therefore, you should read these Terms and Conditions of Use from time to time for changes.

Atradius will use reasonable efforts to provide accurate information on this Web Site. This information is for general guidance on matters of interest only. The application and impact of this information can vary widely based on the specific facts involved. Given the changing nature of laws, rules and regulations, and the inherent hazards of electronic communication, there may be delays, omissions or inaccuracies in information contained in this Web Site. All information on this Web Site is provided "as is".

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by an entity of Atradius is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. You should consult your own legal or tax advisor with respect to your personal situation.

Ownership and Operations

This Web Site is owned and operated by Atradius. Atradius controls and maintains this Web Site and makes no representation that the information provided on or via this Web Site is appropriate or available for use in all locations. When using this Web Site, you are responsible for compliance with local laws that apply to users of the world wide web.

Copyright

All copyright and other intellectual property rights in all text, images, sound, software and other materials on this Web Site are owned by Atradius or are included with permission of the relevant owner.

Intellectual Property

Atradius, or the relevant owner, retains all rights (including copyrights, trademarks as well as any other intellectual property rights) in relation to all information provided on or via this Web Site (including all texts, graphics and logos). You may not copy, download, (re)publish, distribute, modify, post, transmit or reproduce any of the information contained on this Web Site in any form or by any means including but not limited to electronic, mechanical photocopying or recording without the prior written consent of Atradius or the relevant owner. You agree that the material and content contained within or provided by Atradius on this Web Site may be printed out and/or downloaded for your own personal use only but may not be used for commercial purposes or distributed commercially.

Password Policy

Your use of certain portions of the Web Site requires a password. As part of the registration process, you will receive from Atradius a user ID and a temporary password, which password you can change to one of your own. You will also provide Atradius with accurate, complete and up-to-date information. Anyone with knowledge of your password can gain access to the restricted portions of the Web Site and the information available to you. Accordingly, you must keep your password secret. By agreeing to these Terms and Conditions of Use, you agree to be solely responsible for the confidentiality and use of your respective password, as well as for any communications entered through a website using your password. You will also immediately notify Atradius if you become aware of any loss or theft of your Password or any unauthorized use of your password. Atradius reserves the right to delete or change a password at any time and for any reason.

Data Protection

Atradius is not obligated to monitor any transmission made through the respective web pages and newsgroups. However, Atradius has the right, but not the obligation, to monitor any transmission made to and from this Web Site.

Atradius takes reasonable steps to safeguard the security of any information you input or send to Atradius in connection with this Web Site by using secure services and encryption technology where Atradius deems appropriate, however, Atradius accepts no responsibility for any damages that you may suffer as a result of the loss of confidentiality of such information.

Privacy Policy

Please see Atradius Privacy Policy for a summary of personal data collection by Atradius and use practices with respect to the Web Site. By using the Web Site, you consent to collection and use of personal data by Atradius as outlined therein.

Submitting information for publication

By submitting any material to Atradius for publication on the Web Site you do so in the knowledge that Atradius may copy, modify, distribute or create a derivative work from that content in any form. You warrant that the material is fit for publication and agree to indemnify Atradius if any third party takes action against Atradius in relation to the material that you submit. You warrant that you believe Atradius may publish the material you submit and/or make use of it or any concepts described in it in Atradius’ products or services without liability and you agree not to take action against Atradius in relation to it. Atradius does not audit or verify the truth or accuracy of any such information. You agree that Atradius shall have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to the Web Site constitutes a violation of their intellectual property rights or of their right to privacy.

Anti-Hacking provision

You expressly agree not to: (i) use or attempt to use any "deep-link," "scraper," "robot," "bot," "spider," "data-mining," "computer code" or any other automated device, program, tool, algorithm, process, or methodology or manual process having similar processes or functionality, to access, acquire, copy, or monitor any portion of the Web Site, any data or content found on or accessed through the Web Site or any other content without the prior express written consent of Atradius; (ii) obtain or attempt to obtain through any means any materials or information on the Web Site that have not been intentionally made publicly available either by their public display on the Web Site or through their accessibility by a visible link on the Web Site; (iii) violate the restrictions in any robot inclusion headers on this Web Site or in any way bypass or circumvent any other measure employed to limit or prevent access to the Web Site or its content; (iv) violate the security of the Web Site or attempt to gain unauthorized access to the Web Site, data, materials, information, computer systems or networks connected to any Atradius server, through hacking, password mining or any other means; (v) interfere or attempt to interfere with the proper working of the Web Site or any activities conducted on or through the Web Site, including accessing any data, content or other information prior to the time that it is intended to be available to the public on the Web Site; (vi) take or attempt any action that, in the sole discretion of Atradius, imposes or may impose an unreasonable or disproportionately large load or burden on the Web Site or Atradius’ infrastructure.

Disclaimer, no warranties and exclusion of liability 

Atradius disclaims any representations or warranties of any kind, whether expressed or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose of (INCLUDING BUT NOT LIMITED TO) any information contained on or provided via this Web Site and/or any service described or promoted on this Web Site, including warranties with respect to infringement of any patent, copyright, or other rights of third parties.

Atradius shall not be liable for any injury, loss, damage or expense arising out of any access to or use of this Web Site or any site linked to or from this Web Site, including, without limitation, any loss of profit, indirect, incidental or consequential loss. Atradius furthermore shall not be liable for persons, property damage or especially direct, indirect, incidental, consequential, immediate or subsequent (pecuniary) loss. 

While Atradius has used its discretion, best judgment and all reasonable efforts in maintaining a virus-free Web Site, it declines any liability for persons, property damage or especially direct, indirect, incidental, consequential, immediate or subsequent (pecuniary) loss which may result from transmission or downloading of computer viruses. Atradius cannot be held liable for hardware damage, loss of data, alteration of data, or downtime.

Indemnity

You agree to indemnify and hold harmless Atradius, its licensors and suppliers, all of its affiliated companies and subsidiaries and all of their respective officers, directors, employees, shareholders, legal representatives, agents, successors and assigns, from and against any damages, liabilities, costs and expenses (including reasonable attorneys’ and professionals' fees and court costs) arising out of any third party claims based on or related to your use of the Web Site or any breach by you of these Terms and Conditions of Use.

Severability clause 

If any part of these terms and conditions is found to be illegal or unenforceable, this will not affect the validity or enforceability of the remainder of these terms and conditions. Any term or condition which is invalid or unenforceable is in this case to be understood as such that its intended purpose is still fulfilled as far as possible. 

Linked Sites

You may, through hypertext or other computer links, gain access to web sites operated by persons other than Atradius. Such hyperlinks are provided for your reference and convenience only, and are the exclusive responsibility of such web sites' owners. You agree that Atradius is not responsible for the content or operation of such web sites, and that Atradius shall have no liability to you or any other person or entity for the use of third party web sites. Except as described below, a hyperlink from this Web Site to another web site does not imply or mean that Atradius endorses the content on that Web site or the operator or operations of that site. You are solely responsible for determining the extent to which you may use any content at any other web sites to which you link from this Web Site. Atradius assumes no responsibility for the use of third party software on the Web Site and shall have no liability whatsoever to any person or entity for the accuracy or completeness of any outcome generated by such software.

Applicable law and place of jurisdiction 

By accessing this Web Site you agree that the laws of The Netherlands shall apply to all matters arising from or relating to the use and contents of this Web Site or information provided to you via this Web Site. You also agree to submit to the exclusive jurisdiction in first instance of the District Court of Amsterdam, The Netherlands with respect to such matters.

© Atradius Credit Insurance N.V., 2009 v.01.