Legal information

Euler Hermes
A Société Anonyme (limited company) with a Management Board and a Supervisory Board
Capital: 14 451 032,64 € ​
Paris Trade and Companies Register no. B 552 040 594
Insurance holding company

COPYRIGHT 
Euler Hermes 2012. All rights reserved.


SITE CREDITS

 
Site editor: Euler Hermes, 1 place des Saisons, 92048 PARIS-LA DEFENSE, FRANCE CEDEX
Original site design by Euler Hermes, Makheia Digital et Expertime / 4.0  
Director of publications: Joan Wasylik
Site host:  Euler Hermes S.A, 1, place des Saisons, 92048 PARIS -LA DEFENSE CEDEX
Site photographies:
  • Homepage:  Euler Hermes employees, photographies by Jean-Philippe Cervel, all rights reserved.
  • Other pictures: royalty free stock photographies​
This site and its contents, including all information and illustrations, are protected by the French Code of Intellectual Property. Trade names, logos and trademarks registered by Euler Hermes and its subsidiaries are their property and may not be used without their prior written consent. The contents of this site may only be copied, reproduced or distributed for personal use, unless the site editor�s prior written consent has been obtained. Any copy, reproduction or distribution must clearly indicate the author's name and the source.

LIABI​LITY

 

Under no circumstances shall Euler Hermes or its subsidiaries be liable for any indirect damage, such as any financial or commercial loss, loss of profits, disruption to business, shortfall in earnings, losses or any legal action brought by a third party against the site user, resulting from the use of this site or any information displayed on this site.

LIN​KS

 

A written contract must be signed with the site editor prior to the creation of any hyperlinks to or from this web site.​

VIRU​SES

 

You are responsible for taking appropriate measures to protect your data and/or software applications and/or hardware from viruses.


DATA PRO​TECTION 

 

Euler Hermes, the world leader in credit insurance, helps businesses to grow in both their home market and in export markets, by insuring their trade receivables. With more than one hundred years of experience in the sector, the Euler Hermes organisation is both global and local, guaranteeing the same level of service quality everywhere in the world, from bonding and guarantees through to the collection of unpaid receivables and the indemnification of bad debts. These specialist services require a sound knowledge of the world economies and of individual businesses.

Any personal data in our possession will be used solely to enable us to provide our services, and will be disclosed only to Euler Hermes group companies and our partners.

In compliance with the French Data Protection Act no. 78-17 of 6 January 1978, as amended by Act no. 2004-801 of 6 August 2004, you are entitled to access your personal data, and to correct it if necessary. If you wish to exercise this right, please send a written request to: Webmaster, 1, place des Saisons 92048 Paris - La Défense Cedex.

REGISTE​RED WEBSITE

 

We have registered our site with the French data protection authorities, the CNIL.​
 

Terms of Use

 

Legal
You consent to the following terms of use by accessing internet materials of Euler Hermes Deutschland AG, Japan Branch or any of its affiliated companies (collectively, "Euler Hermes"):
 
Use of the Euler Hermes Website
The contents of Euler Hermes internet sites, including the sites of its group member companies (collectively "Euler Hermes"), are protected by various national and international copyright laws, trademark, and servicemark laws. You may not copy, reproduce, republish, upload, post, transmit, or distribute in any way material from Euler Hermes. In particular, you may not: copy, modify, or display Euler Hermes names, logos, text, or graphic images in any way without express written permission; redeliver any of the pages, text, images, or content of Euler Hermes's internet site using "framing" technology without express written permission; modify or use the pages, text, images, or content from Euler Hermes's internet site for any other purpose; doing so is a violation of Euler Hermes's copyrights and other proprietary rights. Some images or materials may be protected by trademarks, servicemarks, or copyrights of other persons or companies.
 
No Offer
Nothing on the Euler Hermes Website should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction.
 
No Reliance
While Euler Hermes uses reasonable efforts to obtain information from sources which it believes to be reliable, Euler Hermes makes no representation that the information or opinions contained on the Euler Hermes Website is accurate, reliable or complete. The information and opinions contained in the Euler Hermes Website are provided by Euler Hermes for personal use and informational purposes only and are subject to change without notice. Nothing contained on the Euler Hermes Website constitutes investment, legal, tax or other advice nor is to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.
 
No Warranty
The information and opinions contained on the Euler Hermes Website is provided without any warranty of any kind, either express or implied.
 
Limitations of Liability
In no event, including (without limitation) negligence, will Euler Hermes be liable for any loss or damage of any kind, including (without limitation) any direct, special indirect or consequential damages, even if expressly advised of the possibility of such damages, arising out of or in connection with the access of, use of, performance of, browsing in or linking to other sites from the Euler Hermes Website.
 
Linked Websites
Euler Hermes is in no way responsible for the content of any site owned by a third party that may be linked to its internet sites by hyperlink, whether such hyperlink is provided by Euler Hermes or by a third party. Users and sites may include a link to Euler Hermes internet site only by pointing to its homepage and only if any discussion of Euler Hermes is truthful and not misleading. Euler Hermes makes no representations whatsoever about any other internet site which you may access through this one. When you access a non-Euler Hermes internet site, please understand that it is independent, and that Euler Hermes has no control over the content on that internet site. In addition, a link to a non-Euler Hermes internet site does not imply that Euler Hermes endorses or otherwise accepts any responsibility for the content, or the use, of the linked internet site.
 
Local Legal Restrictions
The Euler Hermes Website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of the Euler Hermes Website is prohibited. Persons in respect of whom such prohibitions apply must not access the Euler Hermes Website.
 
Confidential Information
Euler Hermes does not wish to receive confidential or proprietary information through our internet site. Please note that any information or material sent to us will be considered not confidential. By sending us any information or material, you grant us an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information. You also agree that Euler Hermes is free to use any ideas, concepts, know-how or techniques that you send us for any purpose.
 
Disclaimer
There are no implied or express warranties on the materials in this site. The materials are provided "as is." Euler Hermes disclaims, to the fullest extent of the law, all implied or express warranties, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Euler Hermes does not warrant that the functions will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free from viruses or other harmful components. Euler Hermes does not warrant or represent that the materials in this site are correct, accurate, or reliable. You assume the entire cost of all necessary servicing, repair, or correction. Euler Hermes will not be liable under any circumstances - including but not limited to negligence - for any special or consequential damages that may result from the use of, or the inability to use the materials in this site. This result will follow even if Euler Hermes or its agent has been advised of the possibility of such damages. In no event shall Euler Hermes' liability for damages, losses, and causes of action-whether in contract, tort (including, but not limited to, negligence), or otherwise-exceed the amount paid, if any, for accessing Euler Hermes's site. If you live in a state that does not allow disclaimers of implied warranties or limitation of damages, this disclaimer may not apply to you.
 
General
The information contained herein does not constitute investment advice. Euler Hermes reserves the right to change, modify, add, or remove portions of these terms at any time.
 

Declaration for Handling Customers’ Personal Information
(Privacy Policy)

Euler Hermes Deutschland AG, Japan Branch (hereinafter, “Euler Hermes Japan Branch”) fully understands the importance of protecting personal information and attempts to carry out its casualty insurance business based on customers’ confidence and by observing all applicable laws and regulations including privacy protection (Act on the Protection of Personal Information), other similar laws, and the guideline on the protection of personal information in the financial sector, thereby practicing appropriate handling of personal information.
 
1. Acquiring personal information
Euler Hermes Japan Branch will acquire personal information within the necessary scope to carry out our business in a legal and fair manner.
 
2. Using personal information
For all personal information, Euler Hermes Japan Branch shall specify the purpose of its usage (shown below), and thereafter use such information within the appropriate scope and for the appropriate purpose necessary to carry out business:
(1) To accept, maintain, and manage insurance policies;
(2) To pay insurance benefits, financial compensation, and the like;
(3) To introduce, provide, and manage products and services of Euler Hermes Japan Branch, affiliated companies, and business partners;
(4) To enhance information supply, operational management, products, and services of Euler Hermes Japan Branch business activities;
(5) To establish reinsurance agreements, notify based on the reinsurance agreements, and claim reinsurance benefits;
(6) To judge credit examinations and manage given credits; and
(7) To carry out business related to or incidental to business set forth in the preceding items.
 
3. Securities of personal information
Euler Hermes Japan Branch will assign a personal information protection administrator and comply with all applicable laws and regulations, taking safety control measures shown below and observing them to ensure no leakage, loss, or damage of personal data and preventing unauthorized access to any personal information. Also, Euler Hermes Japan Branch will make efforts to continuously improve these measures:
(1) Safety control measures taken by a systematic manner;
(2) Safety control measures taken by a human labor;
(3) Safety control measures taken by a physical mean; and
(4) Safety control measures based on technology.
Euler Hermes Japan Branch will thoroughly teach employees the above measures, checking and auditing of compliance. When Euler Hermes Japan Branch will outsource handling of personal information to third parties, Euler Hermes Japan Branch shall take the following steps: (1) define selection criteria; (2) thoroughly examine the information management systems of the outsourcee before outsourcing the business; and (3) monitor business operations of the outsourcee, even after / before outsourcing the business.
 
4. Supplying personal information to third parties
Euler Hermes Japan Branch will not supply any personal information to third parties without the prior consent of the individual concerned, except:
(1) To comply with legal requirements;
(2) When outsourcing the handling of personal information to oursourcees, including insurance agents, in a scope necessary to carry out business;
(3) When sharing personal information with Euler Hermes Japan Branch group companies (See 5. below); and
(4) To provide specific insurance agreement contents to establish reinsurance agreements.
 
5. Shared use of personal information with Euler Hermes Japan Branch group companies
Euler Hermes Japan Branch shall share the following personal data with its group companies to introduce or provide products and services handled by the group companies, serving as a controller: address, name, telephone number, sex, date of birth, and the like, written in the insurance application.
Member of Euler Hermes Japan Branch group company includes: Euler Hermes Japan Services Ltd.
For other group members, see our website.
 
6. Inquiries for insurance policies and accidents
For details concerning insurance agreements and accident reports, please make inquiries to either the Euler Hermes Japan Branch office, the inquiry counter for accident, or the agent listed in your insurance policy. Procedures will be taken after verifying the identification of the person who made the request.
 
7. Requesting disclosure, correction, suspension of use, and the like based on personal data retained in accordance with the Act on the Protection of Personal Information
To make requests of the above, please make inquiries to the contact shown below.
Procedures will be started after verifying the identification of the person who made the request.
 
Contact:
Euler Hermes Deutschland AG, Japan Branch
Kyobashi Nisshoku Bldg., 7F, Kyobashi 1-8-7, Chuo-ku, Tokyo, 104-0031 Japan
Tel: +81 3-3538-5674
 
8. Contact address for complaints or consultations for questions and measures for ensuring safe control of personal information
To make inquiries and provide feedback about our handling of personal information and secured personal data, please use the contact information shown below.
Contact:
Same as 7. above
 
9. Continuous improving of policy handling and continued efforts for protecting personal information
Euler Hermes Japan Branch will make continued efforts to review and improve the handling of personal information by thoroughly educating and guiding our employees to enhance the protection of personal information.
Personal information protection administrator, Hideo Haneda
 

Our Associated Dispute Resolution Organization
 
Euler Hermes Deutschland AG, Japan Branch has established the Basic Contract for Implementation of Dispute Resolution Procedures with the General Incorporated Association Insurance Ombudsman. Ombudsman is a legally-established designated dispute resolution organization. In cases where any dispute arises between the customer and our company and the problem is not resolved, the customer may request that the organization seek resolution.
For details, visit our website:
 
What is Insurance Ombudsman?
General Incorporated Association Insurance Ombudsman is a dedicated institution established with the aim of resolving complaints regarding insurance business operators and disputes arising between customers and insurance business operators in a simple and concise manner, and from a fair and neutral standpoint.
Ombudsman strives to seek appropriate resolutions by requesting for business operators to resolve disputes about customer complaints, and by other means, based on the provisions of laws and regulations. When the involved parties fail to resolve the dispute, consumer consultation specialists, legal professionals, or the like will take measures to solve these disputes.
The range of complaints and disputes handled by Ombudsman are limited to those related to the businesses of business operators established by agreement with Ombudsman. The business operators have currently established an agreement that includes foreign-affiliated casualty insurance companies and insurance brokers.
 
For details, visit our website: www.hoken-ombs.or.jp/