WIPO Arbitration and Mediation Center

The Complainant in this administrative proceeding is Credit Libanais, a bank organized and existing as a Lebanese Joint Stock Co. under the laws of Lebanon with its principal place of business located at Sofil Centre, Fifth Floor, Charles Malek Ave, Ashrafieh, Beirut, Lebanon.

The Respondent is Mr. Charbel Hajj, a private individual having his address at Ste Aquilina, 45 Jbeil, Lebanon.

The disputed domain name is <creditlibanais.net>.

The Registrar of the domain name is Network Solutions, USA.

3.1 On August 22, 2002, Complainant submitted a Complaint to the World Intellectual Property Organization Arbitration and Mediation Center ("Center") pursuant to the Uniform Domain Name Dispute Resolution Policy ("UDRP") implemented by the Internet Corporation for Assigned Names and Numbers ("ICANN") on October 24, 1999, and under the Rules for Uniform Domain Name Dispute Resolution Policy implemented by ICANN on the same date ("UDRP Rules"). The Complaint and exhibits were received by the Center via email on August 22, 2002, and in hardcopy on August 26, 2002. The Center acknowledged receipt of the Complaint on August 2002.

3.2 On August 23, 2002, a Request for Registrar Verification was transmitted to Network Solutions. In an e-mail to the Center dated August 26, 2002, Network Solutions confirmed that it is the Registrar for the domain name <creditlibanais.net> and that the language of the Service Agreement is English. On August 27, 2002, the Center sent a Complaint Deficiency Notification to the Complainant in which it informed the Complainant that the current registrar is Network Solutions and not the one mentioned in the Complaint. The Center requested amendments of the Complaint. The Center received the amendments on September 19, 2002.

3.3 Having verified that the Complaint satisfied the formal requirements of the UDRP and the UDRP Rules, the Center sent on September 12, 2002, a Notification of Complaint and Commencement of Administrative Proceeding to the Complainant by e-mail; to the Respondent by post and e-mail. The Center advised the Respondent that the Response was due no later than October 2, 2002.

3.4 A Response was filed on October 2, 2002, via email and on October 7, 2002, by hardcopy.

3.5 Having received the Response within the specified time in the Notification of Complaint, the WIPO Center proceeded to appoint a single-member Panel and invited Dr. Torsten Bettinger to serve as a Panelist in this Administrative Proceeding.

Having received the Panelist’s Declaration of Impartiality and Independence, the Center issued a Notification of Appointment of Administrative Panel on October 11, 2002, and set a decision date, with the Panelist’s deadline for issuing a decision of October 25, 2002. The Center transmitted the case file to the Panelist on October 11, 2002.

The Complainant is the well-known Lebanese bank registered in 1961 under the Arabic name (Etemad Lebnany) and its French translation Credit Libanais.

Complainant has provided documentary evidence that it is the owner of a trademark issued under no. 82200 by the Ministry of Economy and Trade of the Republic of Lebanon, consisting of the name of the Complainant in Arabic with its Latin translation "Credit Libanais SAL", a design (a cedar tree with the letter C) and a descriptive phrase in Arabic which means "close to you".

The Respondent is the registrant of the domain name <creditlibanais.net>.

At present the domain name <creditlibanais.net> does not resolve to a website or other on-line presence except for a website with an "under construction" message.

The Complainant asserts that: (1) The domain name <creditlibanais.net> is identical or confusingly similar to the trademark "Credit Libanais" in which the Complainant has exclusive rights; (2) the Respondent has no rights or legitimate interests with respect to the domain name; and that (3) the domain name was registered and is being used in bad faith.

The Complainant alleges that the Respondent has registered the domain name at issue for the purpose of selling it to the Complainant for a valuable consideration in excess of documented out-of-pocket costs directly related to the domain name and that the domain name was registered in order to prevent the Bank from reflecting the mark in the corresponding domain name.

The Complainant requests that the Administrative Panel issue a decision that the domain name <creditlibanais.net> be transferred to the Complainant.

a) The Respondent alleges that the domain name <creditlibanais.net> is not identical or confusingly similar to the trademark "Credit Libanais" because:

- it does not include the particle SAL;

- the Complainant registered trademark only for two classes (class 6 and 36) which refer to the Complainant financing and banking services and that therefore the Complainant could not be considered as the only owner of the name "crédit libanais";

- the Respondent is a private individual and has no company and that according to the Lebanese commercial law anyone who wants to work in a bank or financial services institution must be incorporated as a Lebanese joint stock company;

- the Respondent does and will not work in the same field and provide the same services as the Complainant;

- the Respondent’s intention is to use the domain name to supply information on Lebanon notably to the Lebanese immigrant population around the world;

- the words "crédit" and "libanais" are generic and have multiple meanings;

- anyone who enters the Respondent’s website will notice without any difficulty that the website has no relation to financial services;

- the extension ".org" and ".com" are more often used than the ".net" and ".info" extensions and that the domain names <creditlibanais.com.lb> and <creditlibanais.com> are the first addresses someone thinks about when looking for the official site of the Complainant;

- in Lebanon the trademark of the Complainant is well known only in its Arabic form "Iitimad loubnani";

- there is no possibility of misunderstanding the word "iitiamad" - translation of credit- because it means loan .

b) The Respondent further claims that he has legitimate rights in respect of the domain name and contends that:

- he is waiting for the implosion of the tourism sector in Lebanon to launch a network of four websites: services (<jbeil.com>), historical (<ahiram.com>), fun (<yadast.com>) and <creditlibanais.net>;

- he is targeting the Lebanese immigrant population around the world not in Lebanon while the Complainant’s activities are banking in Lebanon;

- because he intends to use the domain name for a website promoting the Lebanese tourism activities on the Internet and that he has chosen the domain name <creditlibanais.net> because the word "credit" means "consideration" or "influence";

- the first definition of the word "crédit" in the french dictionary Larousse is:
"confiance qu'inspire quelqu'un ou quelque chose; influence, considération. Jouir d'un grand crédit auprès de quelqu'un"
and that the financial meaning of the word appears only at the third rank;

- the domain name <creditlibanais .net> was registered for more than 22 months without contacting the Complainant asking for any deal in relation to the diputed domain name.

c) The Respondent also alleges that he did not register and use the disputed domain name in bad faith. He states that

- his website has financial objectives while the Respondent's intend is the promotion of the Lebanese tourism on the Internet;

- he will not compete with the Complainant’s website and therefore will "not steal clients from the Complainant by creating a likelihood of confusion with the complainant's mark;

- the domain name is registered but not being used;

- the Respondent does and will not offer the domain name for sale.

Pursuant to Paragraph 4(a), the Complainant must prove that each of the following three elements are present if it is to prevail:

(i) The Respondent’s "domain name is identical or confusingly similar to a trademark or service mark in which the complainant has rights;" and

(ii) The Respondent has "no rights or legitimate interests with respect to the domain name;" and

(iii) The "domain name has been registered and is being used in bad faith."

The Respondent has registered the domain name <creditlibanais.net>. This domain consist in exactly the same verbal elements as Complainant's protected trademark "Credit Libanais (and device)". Only the graphic elements (cedar tree) of the trademark, the identifier of the Complainant’s legal form "SAL" and the Arabic slogan were left out. The Panel finds that neither the device emphasizing the Lebanese nature of the trademark which cannot be reproduced in a domain name nor the identifier of the Complainant’s legal form "SAL" and the slogan "close to you" have distinguishing capacity. Whether the Complainant’s trademark and the domain name <creditlibanais.net> are confusingly similar in a trademark sense as regards the products and services covered by the Complainant’s trademark is of no relevance. Paragraph 4 (a) (i) merely requires that there is a similarity between the domain name and the trademark irrespective of the similarities in products and services. The question to be answered by the Panel is not whether the domain name causes confusion as to source but instead whether the mark and domain name, when directly compared have confusing similarity [See Wal-mart Stores, Inc.v. Richard MacLeod d/b/a For Sale, WIPO Case No. D2000-0662 at p.4 (September 19, 2002)].

The Panel thus finds that the domain name <creditlibanais.net> is confusingly similar to the trademark mark in which the Complainant has prior exclusive rights.

The Policy outlines (paragraph 4(c)) circumstances which, if found by the Panel to be proved, shall demonstrate the Respondents’ rights or legitimate interest in the domain names. These circumstances are:

(i) before any notice to the Respondent of the dispute, the Respondent’s use of, or demonstrable preparations to use, the domain name or a name corresponding to the domain name in connection with the bona fide offering of goods or services; or

(ii) the Respondent (as an individual, business or other organisation) has been commonly known by the domain name, even if the Respondent has acquired no trademark or service mark rights; or

(iii) the Respondent is making a legitimate non-commercial or fair use of the domain name without intent for commercial gain to misleadingly divert consumers or to tarnish the trademark or service mark at issue.

The Respondent has not provided evidence of the type specified in Paragraph 4(c) of the Policy, or any other circumstances giving rise to a right or legitimate interest in the domain name.

Although Paragraph 4 (a) of the Policy requires the Complainant to prove the presence of this element, WIPO and the other approved Dispute Resolution Providers found in a number of cases that once a Complainant makes out a prima facie showing, the burden of production on this factor shifts to the Respondent to rebut the showing by providing concrete evidence that it has rights to, or legitimate interests in the domain name. This "burden shifting" is appropriate given that Paragraph 4 (c) of the Policy, which is entitled "How to Demonstrate Your rights to and Legitimate Interests in the domain name in Responding to a Complaint" , and discusses the kind of evidence a Respondent should provide to show that it has rights to or legitimate interests in the domain name [see Inter-Continental Hotels Corporation v Hales Ali Soussi, WIPO Case No. D2000-0252 ( July 5, 2000)].

The elements set forth in Art. 4 (c) UDRP are not present.

The Complainant has not licensed or otherwise permitted the Respondent to use any of its trademark or business name and has not permitted to apply for or use any domain name incorporating the trademark.

In particular the Respondent is not a holder of a trademark "Credit Libanais" or a similar trademark, nor is this his name. Before any notice to the Respondent of the dispute, there is no evidence of it’s use of, or demonstrable preparations to use, the domain name or a name corresponding to the domain name in connection with a bona fide offering of goods and services. Especially, the domain name at issue is not used to address a website. The domain also has never been used as an e-mail address. There were no preparations of a future use, neither.

The Respondent has not been commonly known by the domain name. That results already from the fact that it never has been used by Respondent

The Respondent is making no legitimate non commercial use of the domain name, without intent for commercial gain misleadingly to divert consumers or to tarnish the trademark or service mark at issue. The Respondent hasn’t used the domain name at all.

Finally the fact that the expression "credit libanais" apart from being the Complainant’s trademark may have other meanings as put forward by the Respondent is not itself sufficient to establish a legitimate interest in the domain name.

The Panel therefore concludes that Respondent has no rights or legitimate interests in the domain name <creditlibanais.net> and that the requirement of Paragraph 4 (a) (ii) UDRP is satisfied.

The final factor is whether the Respondent registered and is using the domain name in bad faith.

The Panel notes that the Complainant’s mark is well known not only in Lebanon where the Respondent is resident but also worldwide and that therefore there is no doubt that the Respondent registered the domain name at issue with full knowledge of the Complainant’s trademark.

The Respondent also notes that the Respondent failed for a substantial period of time to make good faith use of the domain name and that these circumstances alone have been considered by many Panelist as a sufficient basis for the conclusion that the domain name was registered or acquired primarily for the purpose of selling or otherwise transferring the domain name to the owner of the trademark for valuable consideration in excess of out-of-pocket costs directly related to the domain name [See for example WIPO Case No. D2000-0310 (June 19, 2000); NAF FA95314 <caravanclub.com>; WIPO Case No. D2000-0808 (August 31, 2000)].

However, the Panel also notes that the Respondent has not attempted to sell the disputed domain name to the Complainant for a considerable period of time since the registration of the domain name and has therefore doubts whether the circumstances are sufficient for the conclusion that the Respondent registered the domain name primarily for the purpose of selling it to the Complainant.

Nevertheless the Panel notes that the criteria for finding bad faith set forth in Paragraph 4 (b) of the Policy are not exclusive and that the particular circumstances of the case clearly indicate that the Respondent registered and used the domain name in order to create an association with the Complainant and as a means of attracting users to his future website. This will create a likelihood of confusion with the Complainant’s mark as to source, affiliation or endorsement of the website.

The Panel agrees that the word "credit" has different meanings. This however is not sufficient to convince the Panel that the Respondent has registered the combination of the word "credit libanais" which is so obviously connected with the well-know trademark of the Complainant. In view of the notoriety of the Complainant’s mark the Respondent faces a difficult, if not impossible task of showing satisfactory proof of any legitimate intentions to use the term "credit libanais" as a domain name. The Respondent’s explanation falls way short of doing so here.

Instead of citing French dictionaries and explaining the different meanings of the word "credit" the Panel would have expected the Respondent to present - what he or his counsel must have considered as the best argument against a finding of bad faith – some documentary or other evidence that show that the Respondent in fact made preparations to use the domain name to "encourage the tourism toward Lebanon and explaining the Lebanese heritage". Considering the fact that the Respondent’s counsel has presented extensive, and in the Panel’s view excessive pleadings, but has chosen not to submit any information as to the project, the professional background and the Respondent’s motivation for such – as the Respondent himself states – "very expensive project" - the Panel must draw the conclusion that the reason propounded by the Respondent for the registration of the domain name is a mere pretext.

However, even if someone supposes that the Respondent is involved in such a project this would not justify the registration of the Complainant’s trademark as a domain name. The Respondent’s explanation that he has chosen the domain name because the word "credit" is used here in the meaning of consideration and that he is waiting for the "implosion of the tourism sector in Lebanon and to use the domain name for a website promoting the Lebanese tourism activities does not lack imagination but seems off-beat. The combination of the French words "credit libanais" are not a generic description of such activities. On the contrary, and to reiterate, the domain name <creditlibanais.net> is so obviously connected with the Complainant’s well known trademark that it almost not possible to conceive of any plausible actual or contemplated active use of the domain that would not be illegitimate and its very use by someone with no connection with the Complainant suggests opportunistic bad faith.

The fact that the domain is inactive does not prevent from the assertion that registered and use in bad faith. On the contrary, inaction itself can constitute "use in bad faith", where the domain name comprises a name which can only sensibly refer to the Complainant, where there is no reasonable justification for the selection of the domain name and it is not possible to conceive of any plausible actual or contemplated active use of the domain name by the Respondent that would not be illegitimate such as by being a passing off an infringement of the Complainant’s rights under trademark law [see only Telstra Corporation Limited v. Nuclear Mashmallows, WIPO Case No. D2000-0003 (February 18, 2000)].

In light of these circumstances, the Administrative Panel concludes that the Respondent’s passive holding of the domain name in this particular case satisfies the requirement of Paragraph 4(a)(iii) that the domain name <creditlibanais.net> is being used in bad faith" by Respondent.

The Panel thus decides that:

1) the domain name <creditlibanais.net> is confusingly similar to the trademark in which the Complainant has rights;

2) The Respondent has no rights or legitimate interest with respect to the domain name <creditlibanais.net>

3) the domain name <creditlibanais.net>has been registered and used in bad faith by the Respondent.

Pursuant to Paragraph 4(i) of the Policy and pursuant to Paragraph 15 of the Rules, the Panel requires that the Registrar, Network Solutions, transfer the domain name <creditlibanais.net> to the Complainant.

Dr. Torsten Bettinger
Sole Panelist

Dated: November 3, 2002