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Legal information

This website is published by Societe Generale Equipment Finance, Societe Generale entity.

Société Anonyme with a capital stock of € 1 000 024 292.50 as of April 01, 2014
Paris Trade Register No. 552 120 222
APE No.: 651C
Registered Office: 29 Boulevard Haussmann 75009 Paris
VAT No : FR 27 552 120 222
Legal Representative: Mr Frédéric OUDÉA, Chief Executive Officer
Publication Manager: Mrs. Caroline GUILLAUMIN
Editorial Manager: Mme Adèle HAENTJENS
Contact : Adele.Haentjens@socgen.com
This website is hosted by : Waycom

 

 

Privacyreglement

Ter inleiding

SGEF en aan haar gelieerde ondernemingen (hierna samen: SGEF) respecteren uw privacy en verklaren persoonsgegevens vertrouwelijk te zullen behandelen. Uw persoonsgegevens worden door SGEF uitsluitend verwerkt in overeenstemming met dit privacyreglement en met de toepasselijk wetgeving op het gebied van privacy. In dit privacyreglement wordt de gegevensverwerking door SGEF beschreven en wat uw rechten in dat kader zijn.

Doel en omvang van de verwerking van persoonsgegevens

De door u verstrekte persoonsgegevens worden door SGEF gebruikt voor beoordeling van leaseaanvragen, kredietwaardigheid, het aanbieden en verbeteren van de financiële producten en diensten, opname in ons lease- en relatiemanagementsystemen, naleving van regelgeving (zoals ter voorkoming van fraude en witwassen), het onderhouden en uitbreiden van de commerciële relatie met u (bijvoorbeeld door middel van aanbiedingen van andere diensten) en het verrichten van marktonderzoek. Uw persoonsgegevens kunnen door SGEF ook worden gebruikt voor herfinanciering van de (met u overeengekomen) financiële producten door andere financiers.

Verkrijgen van persoonsgegevens

De dienstverlening van SGEF bestaat voornamelijk uit het aanbieden van financieringsoplossingen in de vorm van lease aan (rechts)personen die kapitaalgoederen wensen te gebruiken/verwerven. In verband daarmee werkt SGEF samen met fabrikanten en distributeurs van die goederen. Uw persoonsgegevens worden verzameld als u gebruik wenst te maken van de diensten van SGEF en daarvoor – al dan niet indirect – een verzoek toe doet. Het kan ook voorkomen dat SGEF persoonsgegevens verkrijgt uit andere bronnen (zoals de Société Général Groep of kredietbeoordelingsbureaus). SGEF zal in dat geval, voorzover mogelijk, de rechtmatige verwerking door die andere bronnen controleren. 

Verstrekken van persoonsgegevens aan derden

SGEF kan uw persoonsgegevens binnen Société Général Groep verstrekken en aan derden, zoals die hiervoor genoemde fabrikanten en distributeurs en anderen die bij het verstrekken van de diensten door SGEF in het kader van voormelde doelen betrokken zijn. SGEF zal uw persoonsgegevens niet, zonder uw uitdrukkelijke toestemming, aan derden verstrekken indien dat onverenigbaar is met voormelde doelen.

Bescherming

SGEF zal zorgdragen voor een adequate (technische en organisatorische) bescherming en beveiliging van de verwerking van uw (opgeslagen) persoonsgegevens. SGEF zal zich inspannen om ervoor te zorgen – in het geval persoonsgegevens aan derden worden verstrekt als hiervoor bedoeld – dat deze derden zich houden aan de beginselen van dit Privacyreglement. Indien en voor zover deze derden persoonsgegevens voor SGEF verwerken zal door SGEF worden verlangd dat zij toereikende maatregelen nemen ter bescherming van de veiligheid en integriteit van uw persoonsgegevens. SGEF zal persoonsgegevens niet langer bewaren dan noodzakelijk is voor het doel waarvoor de persoonsgegevens zijn verzameld.

Doorgeven buiten de Europese Economische Ruimte

Indien doorgifte van uw gegevens plaatsvindt naar een land buiten de Europese Economische Ruimte zal SGEF zich ervan vergewissen dat afdoende mate van bescherming wordt gewaarborgd. Dat houdt onder meer in dat maatregelen en controles worden gehanteerd ten behoeve van een adequaat niveau van bescherming van de vertrouwelijkheid en beveiliging van uw persoonsgegevens en de doorgifte voldoet aan de voorwaarden voor doorgifte, zoals het gebruik van modelcontracten, binding corporate rules of andere voorgeschreven eisen voor doorgifte.

Informatie / aanpassing / bezwaar

U heeft er recht op een overzicht van en informatie over de herkomst van uw persoonsgegevens te ontvangen. Ook hebt u het recht SGEF te verzoeken de persoonsgegevens bij te werken, te corrigeren of te verwijderen indien die gegevens onjuist, onvolledig of niet van belang zijn, of indien zij in strijd zijn met wet en regelgeving.

Verder hebt u het recht bezwaar te maken indien u geen prijs stelt op informatie over onze financiële producten en diensten, die wij u van tijd tot tijd kunnen toesturen.

Aanpassing van dit Privacyreglement

 

SGEF kan dit Privacyreglement aanpassen. Het is derhalve raadzaam om dit reglement geregeld in te zien om op de hoogte te blijven van die aanpassingen.

 

  Anti-Bribery and Anti-Corruption (ABC) Policy - (English)

 

1.       Introduction

The SG group has a zero-tolerance approach to all forms of bribery. All SG employees and third parties that act on SG’s behalf are strictly prohibited from having any involvement whatsoever in acts of bribery and corruption.

The purpose of this Policy is to ensure that SGEF Benelux conducts its business with integrity, does not become involved in any form of bribery and corruption and complies with the anti-bribery and corruption laws in all the jurisdictions in which it operates.

All Employees and third parties that act on SG’s behalf must practice high standards of integrity and stringently comply with this Policy. Gifts, Business Entertainment and Events should be legitimate, modest, reasonable, appropriate, transparent, proportionate and acceptable in context of the occasion and comply with this Policy

This Policy is applicable not only to SGEF Benelux when it acts on its own behalf, but also where SGEF Benelux retains Third Parties to perform services for it.

1.1     Definition of Terms Used within this Anti Bribery and Corruption Policy

Active bribery can be defined as any action involving the giving, promising to give or offering of an advantage (which is Anything of Value), to any person, which is designed to influence them to improperly perform the exercise of a function (public or private) or to induce or reward them to act contrary to the known rules of honesty and integrity.

Passive bribery can be defined as the soliciting, accepting or receiving of an advantage (which is Anything of Value), from any person, which is designed to influence them to improperly perform the exercise of a function (public or private) or to induce or reward them to act contrary to the known rules of honesty and integrity.

Anything of Value means any advantage, and includes, but is not limited to: money, loans, fees, stock, contractual right or interest, real estate, personal property, or other interests arising from business relationships, Gifts, Business Entertainment, Events contributions, donations or sponsorships made at the suggestion or direction of a Public Official, travel and travel related expenses, below-market discounts, refunds, rebates, preferential treatment in the provision of, or preferential access to, business opportunities, goods or services that do not have a commercially reasonable justification, or other improper inducements. Anything of Value can also mean an offer of employment to or at the suggestion or direction of a Public Official.

Gifts mean any form of gift, product, gratuity or benefit (including anything of nominal value) that is given or received. It does not include financial benefits, Business Entertainment or Events.

Events include three categories: (1) Business Events are devoted to networking, professional and business matters and involve business content such as road shows, conferences, presentations, seminars, pitches, speeches, professional fairs and/or the marketing of products and services, including public relations and press events; (2) Social Events are devoted to relationship building and contain social content such as corporate hospitality - closing or completion dinners, sporting, cultural, recreational, tickets or otherwise It cannot exceed 24 hours; and (3) Mixed Events are devoted to both networking, professional and business matters and relationship building. The programme involves both business and social content. The business content must account for 50% of the total programme time.

Business Entertainment includes general business courtesies, basic meals and drinks that are not considered to be an Event and are processed through the internal expenses process.

Public Official refers to any level of elected or appointed official, officer or employee, or other person acting in an official capacity for any:

·        government agency, department or instrument;

·        entity owned or controlled by any of the above, this includes central banks, sovereign wealth funds, and any business venture that is owned or controlled by a government entity;

·        judicial official; local, regional, or national government;

·        political party;

·        public international organization (e.g., the United Nations or World Bank);

Third Party/Third Parties: means any third party that performs services on SGEF Benelux’s behalf or in connection with its business and/or provides services during the course of any SG Group business. When considering whether a person or entity is a Third Party for the purposes of this Policy, it is the function they perform that needs to be considered.

 

2.       Prohibition of Bribery and Corruption In Any Form

All acts of bribery or corruption are prohibited. No Employee shall:

·        directly or indirectly offer Anything of Value to clients, customers, suppliers, Public Officials or any Third Party in order to obtain an advantage of any kind, which includes obtaining or retaining business for or on behalf of SGEF Benelux; and

·        directly or indirectly solicit or accept Anything of Value from clients, customers, suppliers, Public Officials or any Third Party or seek an advantage of any kind in return.

If Employees are faced with a choice between becoming involved in bribery and corruption and losing business, he or she must choose to forgo the business. Acts of bribery and corruption can lead to personal criminal liability and to liability for SGEF Benelux whether an employee is offering or accepting a bribe.

 

3.       Gifts, Business Entertainment and Events

3.1              General Principles

Employees (or someone on their behalf) must not:

·        give, promise to give or offer Gifts, Business Entertainment or Events (active bribery); or

·        solicit, accept or receive Gifts, Business Entertainment or Events (passive bribery)

which could:

·        create a conflict of interest between the interests of an Employee, those of the recipient or SGEF Benelux;

·        constitute an improper inducement or influence, including, but not limited to, any expectation or hope that a business advantage will be received, or to reward a business advantage already given;

·        result in family members or friends of Employees receiving Gifts, Business Entertainment or Events; and

·        breach relevant laws and regulations;

The following principles must also be considered when deciding upon the acceptability of giving and receiving Gifts or providing and accepting Business Entertainment and Events:

·        the intention behind the Gift, Business Entertainment and Event and if there is a legitimate business purpose (eg: the development of business relationships or the promotion of SGEF Benelux products or services);

·        if they are modest and reasonable in value, appropriate in all the circumstances (type, good taste, status of the recipient and timing) and do not compromise the integrity and reputation of SGEF Benelux;

·        they are proportionate and acceptable in the context of the business occasion and they are in accordance with usual business practice. In other words, it must not be so lavish as to create the appearance that SGEF Benelux are intending to cause anyone to make a decision in return for receiving them;

·        they are transparent and can be discussed openly. In other words, if it were reported to the media it would neither cause embarrassment to the recipient or SGEF Benelux

·        they are not given too frequently in respect of the same recipient;

·        they are timed appropriately. In other words, they do not coincide with the engagement in a bid process or pitch for prospective work, or any decision in relation to new business/transactions, or the removal of any other business arrangement; and

For the avoidance of doubt, if the giving or receiving of a Gift, Business Entertainment and Event is prohibited if made directly, it is also prohibited if made indirectly (eg: via a third party).

3.2              Public Officials

Particular care must be taken when dealing with Public Officials, particularly when the Public Official is in the process of making a discretionary decision involving SGEF Benelux.

Gifts, Business Entertainment, Events, accommodation, travel, transport costs and Anything of Value should not be offered to, or accepted from, Public Officials without prior approval.

 

4.       Use of Third Parties

Employees must exercise care when selecting and dealing with Third Parties and ensure the appropriate approval processes are strictly adhered to.

 

4.1              Risks Associated With Third Parties

A Third Party could potentially:

·        pay or receive a bribe on SGEF Benelux’s behalf or whilst conducting SGEF Benelux’s business; or

·        use their influence within their organization or with other parties to ensure that business is obtained or retained for SGEF Benelux or the Third Party

4.2              Relevant Considerations When Engaging Third Parties

·        It is very important that the appropriate approval and review processes are followed for third parties.

·        No Employee may give, promise to give, offer, solicit, accept or receive Anything of Value in any form either directly or indirectly in connection with any procurement, commercial transaction or relationship where SGEF Benelux is a party.

·        Where SGEF Benelux invites bids for tenders (both competitive and non-competitive) from external suppliers for goods and or services, suppliers may not engage in bribery, collusive practices or any other form of corruption to obtain or retain business. Suppliers of products or services should not be taken into consideration by SGEF Benelux if they seek to extort Anything of Value either directly or indirectly from SGEF Benelux.

·        It is important to appreciate that an act of bribery or corruption by Employees, suppliers or Third Parties may lead to SGEF Benelux being excluded from tendering for all future procurement contracts involving public or utilities contracts.

 

5.       Facilitation Payments

Facilitation payments are small sums of money which, in certain countries, are requested in order to ensure the successful completion of certain routine Government or administrative procedures. The SG group does not permit facilitation payments in any country in which they do business.

 

6.       Charitable Donations, Sponsorships and Political Donations

Contributions to charitable works, associations and other not-for-profit organizations and sponsorships are permitted by SGEF Benelux on the basis that they are legal and ethical and not made with any underlying intent to induce improper conduct.