Traduction de «unité droit contractuel et financier » (Français → Anglais) :

Mandatory requirements of the national legislation applicable to the data importer which do not go beyond what is necessary in a democratic society on the basis of one of the interests listed in Article 13(1) of Directive 95/46/EC, that is, if they constitute a necessary measure to safeguard national security, defence, public security, the prevention, investigation, detection and prosecution of criminal offences or of breaches of ethics for the regulated professions, an important economic or financial interest of the State or the protection of the data subject or the rights and freedoms of others, are not in contradiction with the ...[+++] standard contractual clauses.

A Member State in which various territorial units have their own rules of law concerning contractual obligations shall not be bound to apply the provisions of this Directive to conflicts which arise between the laws of those units.

3. Where a State includes several territorial units, each of which has its own rules of law concerning contractual obligations, each unit shall be considered a country for the purposes of identifying the law applicable under this Directive.

the contract was signed before the consumer had received its full terms and conditions or the consumer was put under unfair pressure during the reflection period basic consumer rights in cases where financial services ordered were partially or totally unavailable (e.g. right to be refunded) the supplier's right to be compensated if the consumer decided to withdraw once performance of the service had already begun a prohibition on so-called "inertia selling" (i.e. a prohibition on providing distance services which have not been requested) limitations ...[+++]on and conditions for the use by the supplier of certain means of distance communications (such as limitations on so-called "cold calling", where a consumer is contacted without his prior consent) complaints and redress procedures for the settlement of disputes between a consumer and a supplier.

According to contract law these contracts are completed in the U.S. We are a cross-border provider of financial services, so at the moment these deals are done in the U.S. These contracts are done in the U.S., so we are subject to taxation in our home jurisdiction and to state taxes as well.

The kind of things dealt with by the centres range from the new opportunities available to consumers with the elimination of tax frontiers (e.g. purchases of goods or financial investment in other Member States) to the kind of problems which are always going to crop up (e.g. contract law and different commercial practices, difficulties over guarantees, etc.).