Belfius Bank SA / Belfius Bank NV v Huabi Jau

WIPO Case No. D2024-2078

ARBITRATION
AND
MEDIATION CENTER

ADMINISTRATIVE PANEL DECISION

Belfius Bank SA / Belfius Bank NV v. Huabi Jau

Case No. D2024-2078

1. The Parties

The Complainant is Belfius Bank SA / Belfius Bank NV, Belgium, represented internally.

The Respondent is Huabi Jau, Belgium.

2. The Domain Name and Registrar

The disputed domain name <amzbelfius-conseil.com> is registered with Amazon Registrar, Inc. (the

“Registrar”).

3. Procedural History

The Complaint was filed with the WIPO Arbitration and Mediation Center (the “Center”) on May 17, 2024. On
May 23, 2024, the Center transmitted by email to the Registrar a request for registrar verification in
connection with the disputed domain name. On May 24, 2024, the Registrar transmitted by email to the
Center its verification response disclosing registrant and contact information for the disputed domain name
which differed from the named Respondent (Identity Protection Service) and contact information in the
Complaint.

The Center sent an email communication to the Complainant on May 27, 2024 providing the registrant and contact information disclosed by the Registrar, and inviting the Complainant to submit an amendment to the Complaint. The Complainant filed an amended Complaint on May 28, 2024.

The Center verified that the Complaint together with the amended Complaint satisfied the formal
requirements of the Uniform Domain Name Dispute Resolution Policy (the “Policy” or “UDRP”), the Rules for
Uniform Domain Name Dispute Resolution Policy (the “Rules”), and the WIPO Supplemental Rules for
Uniform Domain Name Dispute Resolution Policy (the “Supplemental Rules”).

In accordance with the Rules, paragraphs 2 and 4, the Center formally notified the Respondent of the Complaint, and the proceedings commenced on May 29, 2024. In accordance with the Rules, paragraph 5, the due date for Response was June 18, 2024. The Respondent did not submit any response. Accordingly, the Center notified the Respondent’s default on June 25, 2024.

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The Center appointed Benoit Van Asbroeck as the sole panelist in this matter on July 2, 2024. The Panel finds that it was properly constituted. The Panel has submitted the Statement of Acceptance and Declaration of Impartiality and Independence, as required by the Center to ensure compliance with the Rules, paragraph 7.

4. Factual Background

The Complainant is a Belgian bank and financial services provider. The Complainant owns the following trademarks:

Benelux Trademark No. 914650 for BELFIUS, registered on May 10, 2012 in International Classes 9, 16, 35,

36, 41, and 45;

Benelux Trademark No. 915963 for , registered on June 11, 2012 in International Classes 9, 16,

35, 36, 41, and 45; and

European Union Trademark No. 010581205 for BELFIUS, registered on May 24, 2012 in International
Classes 9, 16, 35, 36, 41, and 45.

The Complainant is the registrant to the domain name <belfius.be> that resolves to its official website where it offers banking and insurance services. The Complainant is also the registrant to <belfius.com>, which redirects to a website intended for institutional partners and journalists, as well as other domain names incorporating the BELFIUS mark.

The Respondent is a private individual located in Belgium. The disputed domain name was registered on name does not currently resolve to an active website.

The Complainant issued cease & desist letters to the Registrar on May 2, 2024 and to the Respondent on

May 28, 2024. The Respondent did not respond to these letters.

5. Parties’ Contentions

A. Complainant

The Complainant contends that it has satisfied each of the elements required under the Policy for a transfer of the disputed domain name.

With respect to the first element, the Complainant contends that it has rights in the mark BELFIUS. Furthermore, it argues that the disputed domain name is confusingly similar to this mark since the disputed domain name incorporates the BELFIUS mark in its entirety. Moreover, the Complainant argues that the applicable generic Top-Level-Domain (“gTLD”) in a domain name is viewed as a standard registration requirement and as such is disregarded for the purpose of determining whether a domain name is identical or confusingly similar to a trademark.

Regarding the second element, the Complainant claims that the Respondent lacks a rights or legitimate interests in the disputed domain name. The Complainant contends that the Respondent does not have any trademark rights to BELFIUS and does not make any use, let alone legitimate non-commercial or fair use, of the disputed domain name. Moreover, the Complainant points out that their trademark registrations for BELFIUS predate the Respondent’s registration of the disputed domain name. In addition, it contends that the Respondent is in no way associated with the Complainant, the Complainant has not licensed, approved or in any way consented to the Respondent’s registration and use of the trademark in the disputed domain name.

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With respect to the third element of the Policy, the Complainant contends that the Respondent has registered
and used the disputed domain name in bad faith for the following reasons. According to the Complainant,
the Respondent knew or should have known about the existence of the Complainant’s trademarks since
these trademarks predate registration of the disputed domain name and were in wide use at the time of such
registration. Moreover, the Complainant argues that the same is demonstrated by the fact that the disputed

domain name incorporates the Complainant’s BELFIUS trademark in its entirety.

As to the use of the disputed domain name, the Complainant notes that the disputed domain name is not
currently being used for an active website. Such (non-)use can neither be considered a bona fide offering of
goods or services nor a legitimate non-commercial or fair use of the disputed domain name, without intent for
commercial gain to misleadingly divert consumers or to tarnish the trademark or service mark at issue in the
sense of paragraph 4(c)(i) and (iii) of the Policy, the Complainant adds. Finally, the Complainant points to
the passive holding doctrine which provides that passive holding of a domain name may amount to bad faith
when it is difficult to imagine any plausible future active use of the disputed domain name by the Respondent
that would be legitimate and not infringing the Complainant’s well-known mark or unfair competition and

consumer protection legislation.

B. Respondent

The Respondent did not reply to the Complainant’s contentions.

6. Discussion and Findings

A. Identical or Confusingly Similar

It is well accepted that the first element functions primarily as a standing requirement. The standing (or threshold) test for confusing similarity involves a reasoned but relatively straightforward comparison between the Complainant’s trademark and the disputed domain name. WIPO Overview of WIPO Panel Views on Selected UDRP Questions, Third Edition, (“WIPO Overview 3.0”), section 1.7.

The Complainant has shown rights in respect of a trademark or service mark for the purposes of the Policy. WIPO Overview 3.0, section 1.2.1. The Panel finds that the Complainant has clearly evidenced that it owns registered trademark rights to BELFIUS. It should be noted that paragraph 4(a)(i) of the Policy does not set minimum requirements as to the jurisdictions of the trademarks a complainant relies on, nor as to the

number, nature, or scope of protection of such trademarks. Furthermore, one of the trademarks listed above
is figurative, however this can also be taken into account to show “rights in a mark” since the dominant
portion of this trademark is the word “Belfius”. It is a consensus view of UDRP panels, with which the Panel
agrees, that trademark registrations with design elements can prima facie satisfy the requirement that a
complainant shows “rights in a mark” so long as the textual elements are not overtaken. WIPO Overview
3.0, section 1.10.

The entirety of the mark BELFIUS is reproduced within the disputed domain name. Accordingly, the disputed domain name is confusingly similar to the mark for the purposes of the Policy. WIPO Overview 3.0, section 1.7.

Although the addition of other terms, here “amz”, “conseil” and a hyphen “-“, may bear on assessment of the second and third elements, the Panel finds the addition of such terms does not prevent a finding of confusing similarity between the disputed domain name and the mark for the purposes of the Policy. WIPO Overview

3.0, section 1.8.

Finally, as for the applicable gTLD “.com”, the Panel holds that this can be disregarded under the first element confusing similarity test. WIPO Overview 3.0, section 1.11.1.

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The Panel finds the first element of the Policy has been established.

B. Rights or Legitimate Interests

Paragraph 4(c) of the Policy provides a list of circumstances in which the Respondent may demonstrate rights or legitimate interests in a disputed domain name.

Although the overall burden of proof in UDRP proceedings is on the complainant, panels have recognized that proving a respondent lacks rights or legitimate interests in a domain name may result in the difficult task of “proving a negative”, requiring information that is often primarily within the knowledge or control of the respondent. As such, where a complainant makes out a prima facie case that the respondent lacks rights or legitimate interests, the burden of production on this element shifts to the respondent to come forward with relevant evidence demonstrating rights or legitimate interests in the domain name (although the burden of proof always remains on the complainant). If the respondent fails to come forward with such relevant evidence, the complainant is deemed to have satisfied the second element. WIPO Overview 3.0, section 2.1.

Having reviewed the available record, the Panel finds the Complainant has established a prima facie case that the Respondent lacks rights or legitimate interests in the disputed domain name. The Respondent has not rebutted the Complainant’s prima facie showing and has not come forward with any relevant evidence demonstrating rights or legitimate interests in the disputed domain name such as those enumerated in the Policy or otherwise.

The Panel finds that the Respondent does not use the disputed domain name in connection with a bona fide offering of services and has neither made a legitimate non-commercial or fair use of the disputed domain name. As shown by the Complainant, the disputed domain name does not currently resolve to an active website.

In addition, the Panel notes that the Respondent failed to respond to the Complaint and the evidence on record therefore does not contain any evidence of the Respondent being commonly known as or having trademark rights in “belfius” or “amzbelfius” prior to or after the registration of the disputed domain name. Furthermore, the Panel has taken note of the Complainant’s confirmation that they have not licensed,

master, WIPO Case No. D2010-0138).
authorized, or permitted the Respondent to register domain names incorporating the Complainant’s
trademarks and has not seen any evidence that would suggest the contrary. In the absence of any license
or permission from the Complainant to use its trademarks and the composition of the disputed domain name,
no actual or contemplated bona fide or legitimate use of the disputed domain name could reasonably be

claimed (see, e.g., Sportswear Company S.P.A. v. Tang Hong, WIPO Case No. D2014-1875; and LEGO

Based on the available record, the Panel finds the second element of the Policy has been established.

C. Registered and Used in Bad Faith

The Panel notes that, for the purposes of paragraph 4(a)(iii) of the Policy, paragraph 4(b) of the Policy establishes circumstances, in particular, but without limitation, that, if found by the Panel to be present, shall be evidence of the registration and use of a domain name in bad faith.

As the Panel found above under the first element, the disputed domain name is confusingly similar to the
Complainant’s trademarks. As mentioned under the first element, the mark “belfius” has been incorporated
in its entirety in the disputed domain name, meaning registration of the disputed domain name has clearly
been done to attract Internet users by creating a likelihood of confusion with the Complainant’s trademarks.
All the more, the Panel believes the addition of the terms “amz” and “conseil” do not reduce the confusing
similarity since “conseil” will likely be understood as a reference to advice and “amz” as a reference to
Amazon. Moreover, the Respondent’s knowledge of the Complainant’s trademarks can also be inferred from

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the fact that the Complainant’s BELFIUS trademarks predated registration of the disputed domain name and indicators of bad faith. WIPO Overview 3.0, sections 3.1.4 and 3.2.2.

were in wide use at the time of such registration. These circumstances, in combination with the

Panels have found that the non-use of a domain name would not prevent a finding of bad faith under the doctrine of passive holding. Having reviewed the available record, the Panel finds the non-use of the disputed domain name does not prevent a finding of bad faith in the circumstances of this proceeding. Although panelists will look at the totality of the circumstances in each case, factors that have been considered relevant in applying the passive holding doctrine include: (i) the degree of distinctiveness or reputation of the complainant’s mark, (ii) the failure of the respondent to submit a response or to provide any evidence of actual or contemplated good-faith use, and (iii) the respondent’s concealing its identity or use of false contact details (noted to be in breach of its registration agreement). WIPO Overview 3.0, section 3.3. Having reviewed the available record, the Panel notes the distinctiveness and reputation of the Complainant’s BELFIUS trademark, in particular in the country where the Respondent is located (Belgium), as well as the composition of the disputed domain name. In addition, the Panel notes the Respondent’s failure to respond to the Complainant’s cease and desist letters as well as its failure to submit a response to the Complaint. Finally, the Panel notes that the address provided by the Respondent is incomplete or false since it does not exist. In light of these circumstances, the Panel finds that the passive holding of the disputed domain name does not prevent a finding of bad faith under the Policy.

The Panel finds that the Complainant has established the third element of the Policy.

7. Decision

For the foregoing reasons, in accordance with paragraphs 4(i) of the Policy and 15 of the Rules, the Panel orders that the disputed domain name <amzbelfius-conseil.com> be transferred to the Complainant.

/Benoit Van Asbroeck/
Benoit Van Asbroeck
Sole Panelist
Date: July 16, 2024