Whilst the European Payments Council (EPC) AISBL has used its best endeavours to make sure that all the information, data, documentation and other material (copy and images) on this website are accurate and complete, it does not accept liability for any errors or omissions.

EPC will not be liable for any claims or losses of any nature arising directly or indirectly from use of the information, data, documentation or other material on this website.

All the information, data, documentation and other material (copy and images) contained in this website are protected by intellectual property rights.

In principle, the information contained in this website can be reproduced, redistributed and transmitted for non-commercial purposes, as long as the EPC as its source is acknowledged.

Notwithstanding the above, any reproduction, redistribution or transmission of the SEPA Credit Transfer Rulebook, the SEPA Instant Credit Transfer Rulebook, the SEPA Core Direct Debit Rulebook or the SEPA Business to Business Direct Debit Rulebook, as well as the related Implementation Guidelines, as amended from time to time, in whole or in part, is subject to the prior written approval of the EPC.
Links from this website to other sites are for information only. 

EPC accepts no responsibility or liability arising from access to, or for the material on, any site to which it is linked, nor does the presence of links to other sites imply any endorsement by EPC of these sites, their contents or their privacy practices.

Access to this website is confirmation that you have understood and accepted these terms.

This website is subject to Belgian law. In case of a dispute only the Brussels courts have jurisdiction.

Conditions of use

This website includes a ‘comment function’ that allows interaction between users and between users and the EPC by commenting on and engaging in discussions regarding news items and articles published. The information posted in these comments by users is to be considered Third-Party Content.

The comment sections contain Third-Party Content submitted by users over whom EPC has no control, and some users may not behave properly and may post Third-Party Content that is misleading, deceptive, untrue, in error or offensive. EPC cannot therefore guarantee the accuracy, integrity or quality of any Third-Party Content, neither does EPC endorse any recommendation or opinion made by any user. You are responsible for your own decisions and for properly analysing and verifying any information you intend to rely upon.

EPC wants everyone to benefit from the comment sections and therefore requests that you contribute thoughtful and sincere comments and content. However, there are certain mandatory rules of conduct that each person participating in the comment sections must comply with:

  • You are requested to use your actual name when posting any comments or participating in any discussions. 
  • You may not represent that you are any other person, whether real or invented, or imply any connection with any person or organisation with which you are not in fact associated, and you shall not disguise the origin of any contribution and not impersonate any person or entity (including EPC employees or website guests). Anonymous posts will be removed.
  • You may not upload, post or submit to, distribute or otherwise publish through this website any content or information which: (i) restricts or inhibits any other user from using the website; (ii) is threatening, abusive, defamatory, obscene, offensive, or otherwise unlawful (or which may be reasonably considered to be so); (iii) constitutes or encourages conduct that would constitute a criminal offence, gives rise to civil liability or otherwise violates any applicable law; (iv) infringes the rights (including, without limitation, intellectual property rights such as copyright, trademarks and patents) of third parties; (v) contains a virus or other harmful component; (vi) contains advertising of any kind; or (vii) constitutes or contains false or misleading indications of origin or statements of fact.
  • When you upload, post or submit to, distribute or otherwise publish through this website any content or information, you shall use all reasonable endeavours to ensure that such content or information is accurate, complete and up-to-date.
  • You must stay on topic, i.e. you shall not post any comments unrelated to the article’s topic.

EPC reserves the right to edit, modify or remove any Third-Party Content that, in its sole discretion, is potentially misleading, untrue, offensive, unlawful, infringes third party rights or is potentially in breach of any EPC policy, from the website at any time without notice. If you believe that any Third-Party Content published on this website infringes any legal rights that you may have, please notify us immediately with specific details by contacting us at [email protected].

Furthermore, the EPC generally reserves the right to remove contents published on this website in its sole discretion, or even to stop offering the comments functionality altogether.