Disclaimer and information

1. Company particulars
Dexia Employee Benefits NV is a public limited company with registered office at Avenue Livingstone 6, 1000 Brussels, RPM Bruxelles, TVABE 866.161.005 (hereinafter called "DEB").

How to contact DEB:

- by post to the above address, for the attention of Dexia Employee Benefits, Avenue Livingstone 6, 1000 Brussels
- via the contact page or
- by telephoning 02 222 09 13.

Ludovic Wolff (Avenue Livingstone 6, 1000 Brussels) is responsible for publishing this site.

2. Advertising
The present website consists of advertising emanating from DEB, from Dexia Bank Belgium (hereinafter called “Dexia Bank”) and/or devised by their subsidiaries, for products and services of DEB, Dexia Bank or of the relevant subsidiary. Links and other references similar to links, or otherwise, to third parties other than Dexia subsidiaries shall not be deemed to constitute advertising on behalf of such third parties.

3. Website target group and purpose
The information and data shall in no way be deemed legal, accounting, fiscal or other advice. Such information and data shall preferably only be used in conjunction with appropriate professional advice. Neither the information nor the results communicated to the client are intended to induce the client immediately to take a specific action, nor to recommend a specific action or dissuade from it. Links to sites beyond the control of Dexia Bank or its employees are only intended as a service to the client and in no way imply advice, any form of advertising or any value judgment.

4. Liability
DEB shall only be held liable for the following in case of willful misconduct or gross negligence on its own part or that of its employees:

- technical difficulties which visitors may experience from this website, regardless of cause, including, without limitation, bugs, viruses, capacity shortfall, and technical difficulties associated with the visitor’s own hardware, software, browser, computer systems and extensions thereof, irrespective of type, and software installed thereon, not originating from DEB, which affords the visitor access to the Internet and to this website. Modification, installation, maintenance, operation and updating of the visitor’s own software and hardware, computer systems and extensions thereof, as above, shall remain the sole responsibility of the user of this website;
- any loss or damage attributable to force majeure or to acts of third parties beyond DEB’s direct control such as, without limitation, links providing access to the DEB website, or to a website which looks like a DEB website, from other websites not under the direct control of DEB and/or of its employees;
- any loss or damage attributable to leaving this website or occurring after leaving this website, even if this website was left via a link on this website;
- unlawful third-party access to or unlawful third-party modification of DEB’s or the visitor’s computer systems, software and programming code, software, and direct or indirect damage or loss deriving therefrom; and
- websites and website practices not operated by DEB.

5. Intellectual property rights
The content of the website www.dexia-eb.com, the information and the interactive applications offered thereon, the programs, applications, marks and logos are protected by intellectual property rights of DEB, its employees or suppliers. Visitors to this website shall respect these intellectual property rights at all times and refrain from any infringement of them. No link shall be set up from any other website to one of DEB’s websites and/or web pages without the express written consent of DEB. This prohibition shall apply to any form or technique of linking which includes or shows, on another website, the name, address or anything else belonging to DEB, or which conveys Internet users from this other website to DEB’s website.

6. Protection of privacy
Data entered/registered by visitors on the website may be processed in DEB’s computerized files or by processors appointed by DEB for this purpose. .

Unless otherwise requested by the visitor, such data may be used for commercial and communications purposes by DEB, Dexia Bank and/or their subsidiaries. Visitors may oppose the use of their data for direct marketing, and provision is made for this in the relevant places at the website. However, visitors’ prior consent will always be sought for e-mail advertising.

Further information about this financial services group is available at www.dexia.com or in a Dexia Bank agency.

In accordance with the Protection of Privacy Act of 8 December 1992, visitors are entitled to see and correct the processed data and to inspect the public register. To do so, they should apply by registered letter to the address given in 1 above.

DEB shall take suitable technical and organizational measures to protect personal data from inadvertent or unlawful destruction, theft, loss, modification and any other unlawful access or processing. In certain cases DEB may monitor the use of its website with a view to analysis and improvement of what the website offers. In no case does this involve registration of visitors’ personal data.

7. Applicable law and jurisdiction
The service and product information provided on this website, and publication thereof, shall be governed by Belgian law.
The courts of Brussels shall alone be competent to settle any dispute relating to this website, the information on this website, the Internet websites and web pages linked thereto and the use thereof by visitors. No published work of any individual legal author concerning choice of applicable law and legal jurisdiction shall lead to inapplicability of the law declared applicable in this Article or to loss of jurisdiction of the courts declared competent in this Article.