Terms and Conditions of Use

European Payments Council's Newsletters Website

Welcome to the Terms and Conditions governing the European Payments Council (the "") Newsletter's web site at www.epc-cep.eu (hereafter referred to as the "System"). Please read the following carefully. This is a legal agreement (the "Agreement") governing your use of the System, concluded between you and the . Access to the System constitutes your confirmation that you have understood and accepted the terms hereof.

The may change or update the information on this System including, without limitation, changes to the layout or "look and feel" of the System, or any products or information made available on it at any time, without notice.


    This System is operated by the EUROPEAN PAYMENTS COUNCIL (in French: Conseil Européen des Paiements), an international non profit association (in French: Association lnternationale Sans But Lucratif, AISBL) established under and governed by Belgian law, having its registered office at Cours Saint-Michel 30, B-1040 Brussels, Belgium, and registered with the Crossroads Database for Enterprises under the enterprise number 0873.268.927 (register for legal entities Brussels).


    1. Links to other web sites

      You may be able to link to other web sites by clicking on hyperlinks published on the System. These other web sites are owned and operated by third parties and the has no control over them or their content. The fact that the includes hyperlinks on the System (or within the information provided on the System) does not mean that approves of or endorses any such third party web sites, their owners, operators or content. accepts no liability for any statements, information, products (including, without limitation, software) or services that are published on or may be accessible through any web sites owned or operated by third parties. Those web sites may also be subject to separate legal terms and conditions.

    2. Content submitted by third parties

      System users (including you) will be allowed to submit content and information to the System ("Third Party Content"), some of which will subsequently be published on the System. does not inspect or evaluate any Third Party Content before it is published on the System and can give no warranties as to the accuracy, completeness, legitimacy, or appropriateness thereof. The does not approve of or endorse any Third Party Content, nor does any of it necessarily represent the 's views or opinions. All third parties able to submit Third Party Content to the System will be required to adhere to these terms and conditions and specifically, without limitation, the Acceptable Use Requirements set out in Section 2.3 below.

      The may, in its sole discretion, take such steps as it may deem appropriate to remove or restrict access to any Third Party Content which, in its reasonable opinion, contravenes any of the terms of this Agreement (including, without limitation, the Acceptable Use Requirements set out in Section 2.3 below).

      The undertakes to use reasonable endeavours to investigate any complaints alleging that any Third Party Content breaches the provisions of this Agreement and, specifically (without limitation) the Acceptable Use Requirements set out in Section 2.3 below.

      By submitting any Third Party Content to the System, you thereby: (i) grant the the right to publish the same on the System and to allow third parties to have access thereto for so long as the deems fit; (ii) agree that the shall be entitled to remove any such Third Party Content where the is entitled or required to do so, either under this Agreement, under applicable law or pursuant to a court decision or a decision by any other competent institution; (iii) undertake to indemnify the against any loss, damage, claims or liability arising as a result of your breach of or failure to comply with the Acceptable Use Requirements set out in Section 2.3 below.

    3. Acceptable use requirements

      You may not upload, post or submit to, distribute or otherwise publish through the System any content or information which: (i) restricts or inhibits any other user from using the System; (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 the System 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 may, in addition, not use the System for any illegal purpose.

      The Newsletter includes a “comment function” that allows interaction between users and between users and the by commenting on and engaging in discussions regarding newsletter articles. The information posted to these Forums by users is to be considered Third Party Content.

      The Newsletter comment sections contain Third Party Content submitted by users over whom 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. We cannot therefore guarantee the accuracy, integrity or quality of any Third Party Content, neither do we endorse any recommendation or opinion made by any user. You are responsible for your own decisions and for properly analyzing and verifying any information you intend to rely upon.

      Any agreements, transactions or other arrangements made between you and any third party named on (or linked to from) the Newsletter comment sections are your sole risk and responsibility.

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

      • You must use your actual first and last name when posting any comments or participating in any discussions. Of course, you may not represent that you are any other person, whether real or invented, or imply any connection with any person or organization 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 employees or Newsletter website guests or hosts). Anonymous posts will be removed.

      • You must demonstrate appropriate respect for other users. Like any community, the online conversation flourishes only when all users feel welcome and safe. You agree not to use language that abuses or discriminates on the basis of race, religion, nationality, gender, sexual preference, age, region, disability, etc. Hate speech of any kind, swear words or other language likely to offend is grounds for immediate and permanent suspension of access to all or part of the Newsletter website. If you disagree with an opinion, feel free to challenge that opinion with a posting of your own. You must not personally attack any other user, and you will not stalk or harass another user.

      • You may only publish comments that are your original content and will not infringe the copyright or other rights of any third party when being published.

      • You must stay on topic, i.e. you shall not post or otherwise publish any comments unrelated to the Newsletter’s topic.

      • You shall not collect or store other users’ personal data.

        We reserve the right to edit, modify or remove any Third Party Content that, in our sole discretion, is potentially misleading, untrue, offensive, unlawful, infringes third party rights or is potentially in breach of these Terms, from the Newsletter website at any time without notice. If you believe that any Third Party Content published on our Website infringes any legal rights that you may have or is not allowed under these terms and conditions, please notify us immediately with specific details by contacting us at secretariat@epc-cep.eu.

        If any user violates any of the above rules, we reserve the right to ban that individual from further participation in the Newsletter comment function.

        Furthermore, we generally reserve the right to remove contents published on our Website in our sole discretion, or even to stop offering the comments functionality altogether.

    4. Rights in the System

      All rights in the System and in the content published on the System are owned either by the or made available to under a licence provided by third parties.

      The System and all content published on the System (other than Third Party Content) is protected by copyright in Belgium and/or other countries. All trademarks and devices displayed on the System (excluding any trademarks and devices included in any of the Third Party Content) are owned by the and/or licensors, and may be registered in many jurisdictions across the world. Unless stated otherwise below, any use or reproduction of these trademarks and/or devices is prohibited.

      You may view the content published on the System and you are welcome to print hard copies of material on it or download certain files from the System for your personal or internal business purposes, provided that the content of the published material and the copyright notices must remain intact, your communication of the content must not be misleading or inaccurate and a copy of this notice must accompany any copies of the materials which you provide to others. You may not republish any content or material available on our website on any other public website or alerter service without our prior written consent. All other copying is strictly prohibited.


    You should be aware that the Internet, being an "open network", is not completely secure. If you choose to send any electronic communications to the by means of the System or if you submit any content or information for publication on the System (whether by means of email or through forms made available on the website), you do so at your own risk. We cannot guarantee that such communications will not be intercepted or changed or that they will reach the intended recipient safely.

    The will use all reasonable endeavours to ensure that the System is reasonably secure. However, the cannot guarantee that any information displayed on the System is not modified or deleted through malicious attacks.


    The contents of the System are for your general information and use only and are not intended to address your particular requirements. The contents do not constitute advice, recommendation, representation, endorsement or arrangement by and are not intended to be relied upon by users in making (or refraining from making) any specific investment or other decisions. Appropriate independent advice should be obtained before making any such decision.

    The System is provided "as is" and the gives no warranties in respect thereof. Specifically, but without limitation, the does not warrant that:

    1. you will be able to use the System or that it will continue to be made available in its current or any other form;
    2. the System or any software or material of whatsoever nature available on or downloaded from it will be free from viruses or defects, compatible with your equipment or fit for any purpose. It is your responsibility to use suitable antivirus software on any software or other material that you may download from the System and to ensure the compatibility of such software or material with your equipment; or
    3. any content or information published on the System is accurate or complete.

    Any warranties which would otherwise be implied by law (including, without limitation, warranties as to satisfactory quality, fitness for purpose or skill and care) are hereby excluded.


    The will not be liable to you, whether for negligence, breach of contract or otherwise, for any loss or damage of whatsoever nature suffered by you (including, without limitation, direct loss or damage, indirect or consequential loss or damage, loss of goodwill, loss of business opportunity, loss of anticipated savings, loss of data or loss of profit), arising from:

    1. any computer virus or other malicious routine transmitted through the System;
    2. your use or inability to use the System at any time and any error in the provision of the System;
    3. your use of and/or reliance on other web sites to which you have gained access by means of hyperlinks published on the System;
    4. any inaccurate information published on the System; or
    5. your reliance on any information published on the System. You should note specifically that information published on the System may not be appropriate for your specific purposes or circumstances, and you should always, before acting thereon, obtain independent, professional advice.

    Although the uses reasonable endeavours to monitor information submitted to the System at regular intervals, it is not practicable for the to do so on a continuous basis. You therefore hereby acknowledge that the may not always have knowledge of all information submitted to or made available through the System.


    You agree that the may process personal information about you that we collect through or in connection with the System in accordance with the terms and conditions of the Newsletter Privacy policy.


    The may terminate this Agreement immediately if you breach any of the provisions hereof, in which case you will no longer be entitled to have access to or use the System. The will not be liable for any loss, damage, claims or liability arising as a result from such termination and your inability to use the System as a result thereof.


    If any part of the Agreement is ruled to be invalid, unlawful or unenforceable in any respect by any competent authority, it shall not affect or impair the legality, validity or enforceability of any other provision of this Agreement.

    You shall assign or transfer or purport to assign or transfer any of your rights or obligations under this Agreement without 's prior written consent. The shall be entitled to assign or transfer all or any of its rights and/or obligations under this Agreement to any of association members or bodies located anywhere in the world without your consent.

    The failure to exercise or delay in exercising a right or remedy provided by this Agreement or by law does not constitute a waiver of the right or remedy or a waiver of other rights or remedies.

    No delay or omission by any party to this agreement in exercising any right, power or remedy provided by law or under this agreement shall affect that right, power or remedy or operate as a waiver of it. The single or partial exercise of any right, power or remedy provided by law or under this agreement shall not preclude any other or further exercise of it or the exercise of any other right, power or remedy.

    This agreement is to be governed by, and construed in accordance with, the laws of Belgium. The courts of Brussels shall have exclusive jurisdiction of any dispute arising out of or related to your use of the System or of the Agreement.


    If you have any queries in relation to this Agreement, you can contact the European Payments Council by sending an email to secretariat@epc-cep.eu or a letter to the following address: European Payments Council, AISBL, Cours Saint-Michel 30, B-1040 Brussels, Belgium.