Effective Date: April 1, 2025
EuroBlackList (EBL) is a service operated by EBL Consulting SIA, and is dedicated to upholding the highest standards of integrity, transparency, and professionalism in promoting responsible credit and payment practices across Europe.
This Code of Ethics outlines the principles that govern EBL's operations and its interactions with users, debtors, clients, and all other stakeholders. Compliance with this Code is mandatory for all members and authorized users of the EBL platform.
Truthful Engagement: EBL conducts all activities with honesty, accuracy, and good faith. Information shared via the platform must be truthful, complete, and legally verifiable.
Fair Practices: EBL achieves its goals through lawful, ethical business conduct and never through manipulation, threats, or misuse of information.
No Abuse of Power: EBL strictly prohibits any use of the platform to exert undue pressure, engage in blackmail, or damage the reputation of others without legal basis.
Clear Communication: EBL communicates its procedures, listing criteria, and user responsibilities in a clear and understandable manner.
Disclosure of Procedures: EBL provides transparent guidelines regarding how data is processed, how profiles are consulted, and under what conditions a report may be submitted or contested.
Informed Participation: All users must be made aware of their responsibilities and the legal boundaries of the service. EBL emphasizes the need for informed, responsible use.
Protection of Data: All data accessed or submitted through the platform is treated as confidential and protected under applicable laws, including GDPR.
Non-Disclosure: Users must not share or publish any data obtained through EBL, even internally within their company, unless required for legitimate, documented contractual purposes.
Continuing Obligation: The duty of confidentiality survives the end of any subscription or user relationship with EBL.
Legal Adherence: EBL's operations comply with all applicable laws, including GDPR, defamation laws, commercial practices regulations, and consumer protection rules.
Lawful Reporting: Any submission of a report must be based on a legally valid, overdue, and undisputed claim, accompanied by appropriate documentation and, where applicable, the debtor's prior consent.
Whistleblower Protection: EBL encourages the reporting of unlawful or unethical activity related to its services and provides protection to whistleblowers acting in good faith.
Equitable Treatment: EBL promotes equal treatment regardless of nationality, size of business, economic status, or geographical location.
No Arbitrary Use: The platform must not be used to target individuals or businesses based on personal grievances or competitive motives.
Respect for Human Dignity: No data shall be used or published in a way that unfairly stigmatizes or humiliates the subject.
Due Diligence: Users are responsible for ensuring that all information entered into the platform is accurate, lawful, and based on verified facts.
Documented Actions: Every report must be supported by verifiable evidence (e.g. signed contract, invoice, final reminder), and users must retain this documentation for potential audits or disputes.
Platform Accountability: EBL accepts responsibility for its operational decisions and platform policies and seeks continuous improvement in line with legal developments.
Competence: EBL fosters ongoing development of user understanding regarding ethical debt recovery and data protection obligations.
Respectful Conduct: All interactions with debtors, clients, and partners must be respectful, non-confrontational, and devoid of harassment or coercion.
Avoidance and Disclosure: Users must avoid conflicts between personal interests and platform responsibilities. Any potential conflict must be disclosed promptly.
Neutral Application: All data must be processed impartially, without favoritism, bias, or personal involvement in the case.
Reporting Violations: Violations of this Code may be reported confidentially to EBL Consulting SIA. All credible reports will be investigated objectively and thoroughly.
No Retaliation: Retaliation against any person who raises concerns in good faith is strictly prohibited and may result in termination of access to the platform.
Sanctions for Breach: Breaches of this Code may result in disciplinary actions, including:
By using the EuroBlackList platform, all users and member organizations acknowledge and accept this Code of Ethics and commit to upholding its principles in all their activities related to EBL.
Ethics and legality are not optional—they are essential.