Terms and Conditions
These terms and conditions should be read carefully before you use this web site.
In using the site you agree to the terms and conditions set out here. If you do not want to be bound by these terms and conditions, you should stop using the site.
Coface has taken all reasonable steps to ensure that the information on this site is true and accurate in all material respects and that there is no misleading information on the site. However, Coface gives no guarantee in respect of the accuracy or currency of the information on the site. The content of the site is general in nature and for information only.
Coface does not guarantee the full functioning of the site, nor that defects will be corrected or that the site or the server that makes it available is free from viruses. Coface reserves the right to withdraw access to some or all of the pages on the site at any time without notice and accepts no responsibility for these pages not being available.
If Coface provides links to other web sites, Coface does so for information only and such links are not evidence of any recommendation by Coface of any products or services on such sites. The use of such links is entirely at your own risk and Coface accepts no responsibility for the content or use of such web sites or for the information contained on the sites.
All rights, including copyright, in the site and its contents are owned by Coface. You are responsible for obeying all applicable copyright laws. You may use the information and take occasional copies of the site during normal viewing. You may also print from the site provided that this is for your own personal use. Otherwise the information may not be reproduced, stored in any way (including in any other web site), given to any other person or included in any way into another document or other material without obtaining the prior written permission of Coface.
Use of the site
You agree to use the site for lawful purposes and in a way which does not affect the rights of, or restrict the use and enjoyment of the site by any third party. You agree not to transfer to the site any information or other content which is or may be inaccurate, defamatory, offensive or in breach of our rights or damaging to the software or performance of the site.
The site is directed at European Union residents only and the services described in the site are only available to European Union residents to the extent that Coface UK is licensed to sell insurance within the European Union. You agree to use the site in a manner consistent with any and all applicable law and regulation in the country in which you access the site.
You are responsible for the use of the site by any person using your computer and are responsible for ensuring that any such person fully complies with these terms and conditions.
If you breach these terms and conditions you agree to indemnify Coface in respect of any losses, costs or damages including reasonable legal fees incurred by Coface in relation to such breach.
The data controllers are Coface UK, and other companies within the Coface UK Group namely - Coface UK Services Limited and Coface Receivables Finance Limited, all of Egale 1, 80 St.Albans Road, Watford, Herts WD17 1RP, hereinafter referred to as 'The Group'. In compliance with the Data Protection Act 1998, when 'The Group' are provided with personal data, we will hold the data, together with other information, securely and confidentially and process it for the purpose of carrying out our activities. These activities are administration, marketing and prospecting, accounts and records, debt management, credit insurance, credit assessment, research and legal services. We may need to share the data with other companies within the Coface Group or responsible third parties within or outside the European Economic Area (EEA). If you provide data on another individual within your business, you confirm that you have the consent of that individual to forward the data to us and we will process the data as above. 'The Group' will process the data about buyers, debtors and debts in accordance with the data protection policy stipulated by the client, which remains the data controller of those data. The client will make its data protection policy clearly known and available to 'The Group' to abide by. Where no data protection policy is made known to 'The Group' it shall not be liable for any breach under the client's data protection policy. Furthermore you agree to comply with the Data Protection Act 1998 and to process all personal data in accordance with that Act. 'The Group, or another company within the Coface Group or responsible third parties associated with our business, may keep your information for a reasonable period for the on-going pursuance of our business activities as stated above. We may also use the data you provide to contact you by mail, telephone, fax or email with information about our other products and services. If you do not want to be contacted by us either during or after our business relationship with you, please tick the relevant box in the 'Other information' section on the online enquiry form, but remember that this will preclude you from receiving details of any of our offers. By completing and returning any forms to us from this site you consent to us processing your personal data for the above purposes. You also consent to us transferring your information to countries outside the EEA. If we do make such a transfer we will ensure your information is protected. A copy of the data we hold on you may be obtained for a small fee upon written request to The Data Controller, Coface UK, Egale 1, 80 St.Albans Road, Watford, Herts WD17 1RP.
Coface recognises the importance of the responsible use of any personal information about you which may be collected through this site. Coface will only disclose your personal information to other Coface Group companies or responsible third parties associated with our business.
Limitation of liability
Coface does not accept any responsibility for any losses or damages whatsoever arising out of access to, use of or reliance on any information posted on the site or any link to a website or any information contained on or accessed through such a site.
These terms and conditions contain the entire understanding between you and Coface with regard to your use of the site. Coface reserves the right to change these terms and conditions from time to time. Use of the site is subject to the terms and conditions posted on the site at the time of your visit. If you do not agree to any changes to the terms and conditions then you must stop using the site immediately.
No insurance contract
Coface does not sell insurance over the Internet from this site. Any contract of insurance between you and Coface will be governed by separate terms and conditions agreed between you and Coface.
These terms and conditions and your use of the site are governed by English law. Disputes arising out of these terms and conditions shall be subject to the exclusive jurisdiction of the English courts.
They enable us:
• To estimate our audience size and usage pattern.
• To store information about your preferences, to allow us to enhance the user experience of our site and of Cofanet.
• To speed up your searches.
• To recognise you when you return to our site.
Information we may collect from you
We may collect and process the following data:
• Personal data that you provide to us when you complete an application, enquiry or renewal form and in relation to any of the products or services provided by the Group.
• When you register or subscribe to our services.
• Details of transactions you carry out through our site.
• Details of your visits to our site and the resources that you access.
• We will also process your personal data when you report a problem with our site.
• If you contact us, we may keep a record of that correspondence.
The Group will also collect and process data about buyers, debtors and debts in accordance with the data protection policy stipulated by the client, which remains the data controller of those data. The client will make its data protection policy clearly known and available to the Group to abide by. Where no such data protection policy is made known to the Group, it shall not be liable for any breach under the client’s data protection policy.
Disclosure of your information
We use data held about you in the following ways:
• To carry out the Group’s business activities such as, administration, marketing and prospecting, accounts and records, debt management, factoring, credit insurance, credit assessment, research and legal services, including internal auditing, account, and compliance.
• To maintain your account and to deal with your service requests as well as carrying out research and analysis to improve our products and services.
• To process your payment details, including providing your payment details to banks and to other relevant third parties in order to obtain payment.
• To ensure that content from our site is presented in the most effective manner for you and for your computer.
• To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.
• To carry out our obligations arising from any contracts entered into between you and us.
• To allow you to register to use Cofanet.
• To notify you about changes to our service.
• In exceptional circumstances, we may use and/or disclose your information as required or permitted by law, regulations or order, including to the police or other appropriate authorities, to investigate complaints made by or against you or to protect or defend ourselves.
The data may be used for direct marketing purposes. Unless you object in writing, Coface UK & Ireland will use the data to contact you by post, telephone, email or other communication means with details of Coface products and services. You should write to the marketing department at Egale 1, 80 St Albans Road, Watford WD17 1RP if you do not want your details to be used in this way.
Where we store your information
Appropriate technical and organisational security shall be taken to prevent unauthorised access to or disclosure of your information. However, we do not guarantee that we will eliminate all risk of misuse of your personal information by intruders. Where you have been provided with a log in ID and choose a password for access to Cofanet, you are responsible for keeping your password secret to prevent unauthorised access to and use of your account. We ask you not to share your password with anyone.
By completing and returning any of the forms you consent to us processing the relevant personal data for the uses set out above, and consent to us transferring your information to countries outside the EEA. Our site may, from time to time, contain links to other websites within the Coface Group or to other third parties. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Access to your information
Your feedbackWe welcome your feedback.
Coface is committed to providing a high standard of service to you and all of our customers.
Occasionally, you may feel that we could do better. If this happens, we want to hear from you.Letting us know if you are unhappy with the service you experience from us gives us the opportunity to put matters right for you and to improve our future service for everybody.Our staff are the best placed to receive your complaint, working with you to resolve it.
You can share your concerns with them in person, by phone, by letter or e-mail.
Telephone: +44 (0) 1923 478100
What you need to provide
To help us investigate and resolve your complaint as quickly as possible, please provide the following information:-
- Your name, company name and company address
- Your policy/contract number
- Your telephone number
- A clear description of your concern or complaint
- Copies of any relevant documentation, such as letters or policies
We will do our best to resolve your complaint immediately. Our first step is to understand and investigate the problem.We will send a written acknowledgement of your complaint within 5 working days along with details of who is handling your complaint.If your complaint takes a little longer to investigate, we will keep you informed of progress.We aim to resolve your complaint within 4 weeks. If we are unable to do so, we will write explaining what is happening and let you know when we expect to do so.After eight weeks we will send you a final response or a further progress report on our investigations.
The Financial Ombudsman Service
If you are still dissatisfied, you can request a review from the Financial Ombudsman Service to review unresolved complaints from:
- Personal customers, or Business customers with a turnover of under £1m per annum.
You are eligible to refer your complaint to the Financial Ombudsman Service directly at:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
Telephone: 0845 080 1800
We do value your feedback. Please help us to get it right every time.Coface UK is a branch of the French company Compagnie Française d’Assurance pour le Commerce Extérieur (Coface) Société Anonyme. RCS Nanterre B 552069791 00481 - NAF 660 E. Coface is registered in England and Wales number BR001974/FC017117 at Egale 1, 80 St.Albans Road, Watford, Herts WD17 1RP, United Kingdom. Coface UK Services Limited is registered in England and Wales number 3946800 at Egale 1, 80 St.Albans Road, Watford, Herts WD17 1RP, United Kingdom.
VAT number GB 626 8895 84