Terms and conditions and information

Belfius Bank NV is a public limited company, credit institution and insurance agent under Belgian law, whose registered office is situated at 11 Karel Rogierplein, 1210 Brussels, entered in the Brussels Register of Legal Entities, VAT number BE 0403.201.185 and FSMA number 19649 A. (referred to hereinafter as Belfius Bank).

You can contact Belfius Bank:

• by letter to Belfius Bank, Customer Management, 11 Karel Rogierplein, 1210 Brussels
• via the contact page
• by telephone on 02 222 11 11

You can, of course, also visit any of the branches of the Belfius Bank commercial network.

The publisher of this site is Belfius Bank, 11 Karel Rogierplein, 1210 Brussels.

Belfius Bank is a credit institution and insurance agent subject to the control and supervision of the Belgian Financial Services and Markets Authority (FSMA).
The FSMA exercises supervisory authority over credit institutions, investment firms, investment advisers and bureaux de change, collective investment undertakings, compliance with the rules aimed at protecting investors’ interests in transactions in financial instruments, as well as the proper functioning, integrity and transparency of the markets in financial instruments. The FSMA also contributes to compliance with rules intended to protect savers and investors from the illegal offering of financial products and services.
For more information about the FSMA, visit www.fsma.be

This website contains a purely informative section, a number of interactive applications and a transactional section. Interactive applications on this website are considered to be those applications offered on or via the Belfius Bank website. These are applications in which visitors to this website can enter certain items of data and which provide them with certain results following the automated processing of the data entered by those visitors. For example, this may include simulations. In view of the fact that visitors enter details/data themselves, Belfius Bank is not able to verify the accuracy of this data.

The publications, information and interactive applications on this website are for information purposes only, whether they originate from Belfius Bank itself or from third parties selected by it. Belfius Bank takes the utmost care with the content of the information, data and results of automated processing, and regularly updates the content of the website. If the data or applications do not originate from Belfius Bank itself, it relies on third parties that it deems sufficiently reliable for this purpose. However, Belfius Bank gives no explicit or implicit guarantee as to the completeness, accuracy and up-to-date nature of the data, applications and results of any automated processing communicated to the visitor.

This site also contains a transactional section, with applications for online banking. Access to these services and certain interactive applications is conditional on entering into a customer relationship with Belfius Bank and signing the agreements that apply to these services with Belfius Bank. The provisions of these “general terms and conditions and information” do not apply to the services governed by the provisions of any such specific agreement.

The information provided on this site is made available by Belfius Bank and is designed to inform you about a range of products and services made available to you by Belfius Bank. Unless expressly stated otherwise, this information should not be construed as an invitation or offer by Belfius Bank to invest in these products, services or other financial instruments. To check whether these products and services are suitable for you, you should contact Belfius Connect (tel 02 222 12 02), your Belfius Bank branch or your banker.

Belfius Bank endeavours to ensure maximum availability of this website. However, it also reserves the right, including without prior warning, to interrupt access to the website in the event of a risk of fraud or abuse, or to make adjustments to the website.

This website consists of advertising emanating from Belfius Bank and/or certain of its subsidiaries, for services and products provided by Belfius Bank or the subsidiaries in question. Hyperlinks and other references, similar or otherwise, to third parties that are not subsidiaries of Belfius Bank cannot be construed as advertising for these third parties.

This website, its contents, the results of automated processing, data and information made available to you are intended solely for the personal and non-commercial use of individuals and legal entities who have their usual residence or registered office in Belgium, or who already have a customer relationship with Belfius Bank.

The information, data or results of automated processing cannot under any circumstances replace a personal judgment of the visitor. In no way can this information be regarded as advice relating to the purchase or sale of banking and/or insurance services or products or of a financial instrument. For an offer suited to your situation and/or for any advice, you can always contact Belfius Bank branches.

The information, data or results of automated processing provided may not be regarded as legal, accounting, tax or other advice and should preferably only used in conjunction with appropriate and professional advice. Neither the information nor the results communicated to the customer are intended to induce the customer to take certain actions, or to recommend or advise against certain actions. The hyperlinks to sites that are not under the control of Belfius Bank or its appointees are only intended as a service to the customer and in no way imply advice, advertising or value judgment.

WWhen you consult this site, Belfius Bank will, in certain circumstances, automatically send ‘cookies’ to your computer. Cookies are small applications written to the hard disk of your computer. However, these are mainly applications that are intended to facilitate your use of this website. Among other things, cookies record the choice of language you make on your first visit to the site, so that on your next visit to the site, content is automatically displayed to you in the language you chose on your first visit. If you do not want these cookies written to your hard disk, you can set your browser (Internet Explorer, etc.) so that they are not allowed to access your hard disk. If you do so, Belfius Bank is unable to guarantee that the sites under its control will function properly. For more information about the use of cookies, please see the Belfius Bank ‘Cookies Policy’. This information is available from belfius.be/cookies.

Belfius Bank guarantees that all data posted by it on this site will be scanned for the presence of all currently known viruses before their inclusion on the site. Belfius Bank regularly checks all items on this site that may be downloaded by customers to their computer systems for the presence of viruses known at that time.

Despite the great care taken by Belfius Bank, given the rapid development and advances of Internet traffic and the associated risks, Belfius Bank cannot guarantee that all the information on this website is completely virus-free at all times. In view of the risks associated with the use of the Internet, Belfius Bank strongly advises visitors to re-scan all downloaded information, even from a supplier regarded as reliable by the customer, for the presence of viruses.

Except in the event of its own wilful misconduct or gross negligence or that of its appointees, Belfius Bank cannot be held liable for:

• any technical difficulties that the visitor to this website might experience, whatever their cause, including but not limited to bugs, viruses, insufficient capacity, the visitor’s own software and hardware, browser, computer systems and their extensions, whatever their nature, that allow the visitor to access the Internet and this website. The customisation, installation, maintenance, security and updating of the visitor’s own software and hardware referred to above, as well as of the visitor’s computer systems and their extensions, remain the visitor’s own responsibility on this website.
• any loss attributable to force majeure, other events or third parties over which it has no direct control, such as, for example, but not limited to hyperlinks from other websites not under the direct control of Belfius Bank and/or its appointees, providing access to the Belfius Bank website, or to a website that appears to be a Belfius Bank website.
• any damage attributable to leaving this website or occurring after leaving this website, even if this website was left via a hyperlink placed on this website.
• direct or indirect damage caused by any information, data and results of automated processing communicated to the visitor on or via this site, and/or any direct or indirect damage that the visitor or third parties may incur by drawing certain conclusions from or acting on the information, data and results of automated processing communicated on or via the website.
• damage resulting from errors, whatever their cause, which may occur during the automated processing of data entered into the interactive applications by the visitor, insofar as Belfius Bank has not developed these interactive applications itself and clearly indicates this by the inclusion of a logo or other indication.
• unauthorised access by a third party to, or unauthorised modification by a third party of, the computer systems, software and programming code and software of Belfius Bank or the visitor, and any direct or indirect damage resulting therefrom.
• the incompleteness, inaccuracy or non-current nature of the data entered by the visitor when using the interactive applications.
• websites and practices by websites that are not operated by Belfius Bank.

The contents of Belfius websites (such as www.belfius.be, smartbelgium.belfius.be, www.belfius-art-collection.be, etc.), the information, the informative, interactive and transactional applications offered on it, the programs, brands and logos are protected by intellectual property rights belonging to Belfius Bank, its employees or suppliers. Visitors to these websites must respect these intellectual property rights at all times and must refrain from any infringement thereof. For certain elements of these websites, Belfius Bank relies on reputable suppliers who create databases of photos, videos or other multimedia applications. It must be stipulated in the contractual relationship with these parties that these suppliers must ensure that the applications and services they offer comply with all copyright, intellectual and related rights requirements. As such, Belfius Bank is entitled to assume that the photos, videos and multimedia applications made available or used by it have come into its possession in full legal force and that it may therefore use them. However, should you find any data, photos, films or multimedia applications on this site, the use of which you believe infringes your intellectual property rights, copyrights or related rights, please contact Belfius Bank using the contact details stated above.

Except with the express written consent of Belfius Bank, no links may be made from any other website to any of the Belfius Bank websites and/or webpages.

This prohibition applies to any form or technique of connection whereby the name, address or any other element belonging to Belfius Bank is included or displayed on another website, or whereby online visitors are redirected from this other website to the Belfius Bank website.

Belfius Bank, the other entities of the Belfius Group and the companies with which Belfius Bank is contractually linked within the framework of its activities process the Customer’s personal data in accordance with the provisions of the Belfius Privacy Charter.

The service and product information provided on this website, as well as its publication, is governed by Belgian law.

The Courts and Tribunals of Brussels have sole jurisdiction to settle any dispute relating to this website, the information on this website, the Internet websites and Internet pages linked to it, as well as their use by the visitor.

In line with Transparency Directive 2004/109/EC governing the transparency requirements applicable to information about issuers whose securities are admitted to trading on a regulated market, Belfius Bank NV/SA has chosen Luxembourg as its home Member State.

The Transparency Directive was transposed into Luxembourg law through the “Loi du 11 janvier 2008 relative aux obligations de transparence concernant l’information sur les émetteurs dont les valeurs mobilières sont admises à la négociation sur un marché réglementé”, “Règlement grand-ducal du 3 juillet 2008 relatif à la désignation officielle de mécanismes pour le stockage centralisé des informations réglementées au sens de la loi du 11 janvier 2008” and “Circulaire CSSF 08/337 de la Commission de Surveillance du Secteur Financier”. All regulated information from Belfius Bank NV/SA within the framework of the transparency requirements is available on www.bourse.lu.

Belfius Bank, FSMA number 019649 A, as Belfius Insurance NV’s affiliated insurance agent, is contractually bound to market only Belfius Insurance NV/SA’s insurance policies (with the exception of Branch 14 insurance). Belfius Insurance NV/SA, - Tel. 02 286 76 11 – BIC: GKCCBEBB – IBAN: BE72 0910 1224 0116 – RLE Brussels VAT BE 0405.764.064 – located at 11 Karel Rogierplein, 1210 Brussels, is authorised by the National Bank of Belgium, 14 Berlaimontlaan, 1000 Brussels, under number 0037 and offers its personal customers, businesses and the self-employed a full range of Life and Non-Life products. Belfius Insurance NV/SA also offers its products to the social profit sector and the public sector.

Belfius Bank may modify these general terms and conditions and information at any time and without notice.