Legal Notice

Welcome to https://scordigitalsolutions.com website (Website). We appreciate that you have decided to visit our Website! We want you to have a great experience and that’s why we’ve written these conditions in the most transparent way possible.

Access, use and navigation through the Website attributes the condition of the user. If you access our services, you confirm that you are of the legal age and have the adequate legal capacity to operate on the Website in accordance with the law. Also, you declare that you are economically responsible for all your actions.

Access and browsing this Website, or using its services, implies the full and unreserved acceptance of each and all each and every one of the provisions included in this legal notice.

The Publisher, in order to improve the Website, reserves the right to modify, suspend, or discontinue the presentation, configuration, technical specifications, contents and services of the Website, at any time without previous notice to our users.

Likewise, the Publisher reserves the right to modify at any time these terms of use and any other specific terms contained in the Website.

1. Legal Information

Publisher: This website is published by SCOR SE, acting through its branch SCOR SE – Netherlands Branch (formerly known as ReMark International BV) with its registered office at Blaak 30, TA3011 Rotterdam, The Netherlands, registered with the Dutch Chamber of Commerce (Kamer van Koophandel) under number 98731424.

VAT Identification Number: NL868619504B01

Contact: For any questions regarding this Website or the Legal Notice terms, you may contact us at the following e-mail address: contact@scordigitalsolutions.com

Publication Director(s): Kevin Heera, Product Owner HealthTech & Engagement and Rebecca Lueg Tiedemann, Senior Strategy & Product Manager

Website Hosting Provider: (Awaiting Jasper feedback)

Supervisory Authority: SCOR SE is a European reinsurance company licensed and supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR), 4 Place de Budapest, CS 92459, 75436 Paris Cedex 09, France. 

2. General conditions of use

The user undertakes to make proper use of the of the content and services of the Website, which may under no circumstances be used for illegal purposes or ones which may be contrary to civil order, the defence of the nation or public health.

Any use by the user of the content and services must respect the principles stated in the previous paragraph. All the users coming to this Website are expressly authorized to view all the information it contains, as well as to download or make private reproductions of same on their own computer systems, as long as the elements reproduced are intended solely for personal use; they may not be granted or transferred to third parties.

The user shall refrain from using the content or any of the products and/or services offered on the Website to conduct any activity that may harm the image of SCOR Digital Solutions and/or the Publisher, whether true or not, or which may reduce market share or in any way benefit their competitors.

In addition, the user shall refrain from using the Website and, in particular, the information of any kind obtained through it to send advertising, communications for direct marketing purposes or any other commercial purpose, unsolicited messages addressed to groups of people regardless of its purpose, and to sell or howsoever divulge such information.

The user shall not, under any circumstances:

• Disseminate on the Website content that is criminal, violent, pornographic, racist, xenophobic, offensive, in support of terrorism or, in general, contrary to the law or public order;
• Introduce into the network computer viruses or carry out actions that may alter, damage, interrupt or generate errors or damage to electronic documents, data or physical and logical systems of the Publisher or third parties; as well as hindering the access of other users to the website and its services by means of the massive consumption of the computer resources through which the owner of the website provides its services.
• Attempt to access the e-mail accounts of other users or restricted areas of the computer systems of the Publisher or third parties and, where appropriate, extract information.
• Violate the rights of intellectual or industrial property, as well as violate the confidentiality of the information of the Publisher or third parties.
• Impersonate the identity of another user, public administrations or a third party.
• Reproduce, copy, distribute, make available or in any other way publicly communicate, transform or modify the contents, unless authorized by the owner of the corresponding rights or it is legally permitted.
• Collect data for advertising purposes and to send advertising of any kind and communications for sales or other commercial purposes without prior request or consent.

The user may not, under any circumstances, create links to the Website from any accessible space from Internet, without previous express consent, and in writing.

The user agrees to refrain from reproducing, copying, distributing, allowing public access through any form of public communication, transforming or modifying the Website, save as permitted by the copyright owner or otherwise by law.

The user will be liable for any damages that the Publisher may suffer in relation to, or as a result of a breach of any of the obligations set out above and any others included in this Legal Notice and/or imposed by law in connection with the use of the Website.

The Publisher shall at all times ensure compliance with applicable laws, and shall be entitled to discontinue, at its sole discretion, the availability of the Website or to exclude the user from the Website if it has any reason to suspect that the user may be participating, either directly or indirectly, in any of the crimes or offenses punishable under the current legislation, or in case the Publisher observes any conduct which, in its sole discretion, is contrary to this Legal Notice, the law and the rules established by the Publisher or could damage our image, credibility and / or reputation.

3. Responsible disclosure

The security of our client’s data and our systems is a top priority for the Publisher. However, despite all efforts deployed in system security, vulnerabilities may still exist.

If you discover a vulnerability, we would like to know about it so we can take steps to address it as quickly as possible. We would like to ask you to help us better protect our clients and our systems.

Please do the following:

• Secure email your findings to dpo@scordigitalsolutions.com.
• Do provide sufficient information to reproduce the problem, so we will be able to resolve it as quickly as possible. Usually, the IP address or the URL of the affected system and a description of the vulnerability will be sufficient, but complex vulnerabilities may require further explanation.
• Do not take advantage of the vulnerability or problem you have discovered, for example by downloading more data than necessary to demonstrate the vulnerability or deleting or modifying other people’s data.
• Do not reveal the problem to others until it has been resolved.
• Do not use attacks on physical security, social engineering, distributed denial of service, spam or applications of third parties.

What we promise

• We will respond to your report within 3 business days with our evaluation of the report and an expected resolution date.
• If you have followed the instructions above, we will not take any legal action against you in regard to the report.
• We will handle your report with strict confidentiality, and not pass on your personal details to third parties without your permission.
• We will keep you informed of the progress towards resolving the problem.
• If the information concerning the problem reported is made public, we will give your name as the discoverer of the problem (unless you desire otherwise).
• We strive to resolve all problems as quickly as possible, and we would like to play an active role in the ultimate publication of the problem after it is resolved.

4. Intellectual and industrial property

The intellectual and industrial property rights contained in https://scordigitalsolutions.com, their graphic design and computer codes, including the trade names, brands and distinctive signs, are the property of the Publisher, unless where it is stated that they are the property of another. In no case shall it be understood that any of the exploitation rights over them will be transferred to the user beyond what is strictly necessary for the correct use of the Website.

Any reproduction, distribution, marketing or transformation of their content, which has not been expressly authorized by its owners, constitutes an infringement of the intellectual and industrial property rights protected by law. Any infringement of the restrictions or prohibitions contained in the foregoing paragraph shall be considered a breach of the intellectual property rights of the Publisher and shall incur the legal responsibilities established to this effect, which may be pursued by the Publisher, which shall be entitled to exercise the corresponding administrative, civil or criminal actions.

5. Disclaimer and Limitation of Liability

Access to and use of the Website is made under the sole and exclusive responsibility of the user.

The Publisher endeavours to provide accurate and up-to-date information on the Website. However, the Publisher does not guarantee the accuracy, completeness or timeliness of the information provided. Accordingly, except where prohibited by mandatory applicable law, the Publisher shall not be liable for any direct or indirect damages resulting from the use of or reliance on the information contained on the Website, save in the case of gross negligence or willful misconduct on the part of the Publisher.

Subject to the limitations set forth in this section, the Publisher does not warrant and shall not be liable for any damages resulting from:

• The lack of continuity of the operation of the Website, including the incorrect operation of the web pages.
• The lack of use, suitability or validity of the services and content provided on the Website with regard to the results and expectations of the user.
• The existence of viruses or programs in the user’s computer or due to the presence of a virus in the services provided by third parties through the Website.
• The access by non-authorized third parties to the conditions, characteristics and circumstances of the Website.
• The Publisher shall not be liable for any indirect, incidental, consequential or special damages including but not limited to loss of revenues, loss of profits, loss of goodwill, loss of use or loss of data arising out of or in connection with the access to and or the use of the Website, except in the case of gross negligence or willful misconduct on the part of the Publisher, or where such exclusions are prohibited by applicable law.

The Publisher shall not be liable for any damages arising out of or in connection with the accuracy, validity or reliability of any information, content or material contained on any third-party website to which this Website may contain hyperlinks. The existence of such links shall not be construed as an endorsement or approval by the Publisher of the content of such third-party websites. Nothing in this Legal Notice shall operate to exclude or limit the Publisher’s liability for death or personal injury resulting from negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law.

The Publisher is not responsible or liable for the content and/or information posted on the Website by third parties. This Website may contain links to external websites and information provided on such external websites by our partners and third-party products and/or service providers. The Publisher shall not be responsible for the contents of any linked website, or any changes or updates to such sites. You further agree that the Publisher shall not be directly or indirectly responsible or liable for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, products or services available on or through any such linked website. Any article, information, data, code, text, software, documentation, graphics, image, marketing material, video, photograph, message, or posting to any forum, wiki, or blog on the Website (Content), whether publicly posted or privately transmitted, is the sole responsibility of the person or entity providing the Content.

6. Personal Data Protection

• Data Controller: SCOR SE, acting through its branch SCOR SE – Netherlands Branch, is the data controller for the personal data collected via this Website within the meaning of Regulation (EU) 2017/679 on the protection of natural persons with regard to the processing of personal data (General Data Protection Regulation or “GDPR”).
• Data Protection Officer: You may contact our Data Protection Officer for any questions relating to the processing of your personal data at the following address: dpo@scordigitalsolutions.com or by post to the registered office address of the Publisher.
• Data Subject Rights: In accordance with the GDPR, you have the following rights regarding your personal data: (i) right of access (Article 15), (ii) right to rectification (Article 16), (iii) right to erasure (Article 17), (iv) right to restriction of processing (Article 18), (v) right to data portability (Article 20), (vi) right to object (Article 21), and (vii) right not to be subject to a decision based solely on automated processing (Article 22). To exercise these rights, please contact our DPO at the address mentioned above.
• Right to Lodge a Complaint: You also have the right to lodge a complaint with a competent supervisory authority. The lead supervisory authority is the Autoriteit Persoonsgegevens (AP), Postbus 93374, 2509 AJ Den Haag, The Netherlands (www.autoriteitpersoonsgegevens.nl). 
• Privacy Policy: For further information regarding the purposes of processing, legal bases, recipients of data, retention periods and international data transfers, please consult our Privacy Policy.

7. Governing Law and Jurisdiction

This Legal Notice and its terms and conditions shall be governed by and construed in accordance with the laws of the Netherlands, without regard to its conflict of law rules. Any dispute arising under or in connection with this Legal Notice shall be subject to the exclusive jurisdiction of the courts of Amsterdam, The Netherlands. However, this choice of jurisdiction shall not deprive any user qualifying as a consumer of the protection afforded by the mandatory provisions of the law of their country of habitual residence, in accordance with Regulation (EU) No 1215/2012 (Brussels I Recast).

• Single Point of Contact (Digital Services Act): In accordance with Regulation (EU) 2022/2065 on a Single Market for Digital Services (Digital Services Act or “DSA”), the Publisher has designated a single point of contact for communications with Member State authorities, the European Commission, the European Board for Digital Services and users. This point of contact can be reached at the following address: dsa-contact@scordigitalsolutions.com. Communications may be made in English, French or Dutch.
• Reporting Illegal Content: If you believe that any content published on this Website is illegal or contrary to this Legal Notice, you may report it by contacting our team at: reporting@scordigitalsolutions.com. Your report should specify: (i) the URL or location of the content concerned, (ii) the reasons why you consider such content to be illegal, and (iii) your contact details. The Publisher undertakes to examine any report received without undue delay and to take appropriate measures where applicable. 
• Cookies and Similar Technologies: This Website may use cookies and other tracking technologies. For information regarding the types of cookies used, their purposes and how to manage your preferences, please consult our Cookie Policy available at [link to cookie policy]. In accordance with applicable legislation, your consent will be requested prior to the placement of non-essential cookies. 
• Amendments to this Legal Notice: The Publisher reserves the right to amend this Legal Notice at any time. Amendments shall take effect upon publication on the Website. The date of the last update is indicated at the top or bottom of this document. We encourage you to review this page regularly.