Our services
Our office provides advice on insurance contracts, presents or offers insurance contracts, carries out other preparatory work prior to their conclusion, concludes them, or assists in their administration and performance.
For these insurance intermediation services, we receive remuneration, full information about which is available on our website.

Rules of conduct
Our office is required to comply with the “AssurMiFID” rules of conduct as laid down in the Law of 30 July 2013 aimed at strengthening the protection of users of financial products and services and the powers of the Financial Services and Markets Authority, and containing various provisions; the Royal Decree of 21 February 2014 on the rules governing the application to the insurance sector of Articles 27 to 28bis of the Law of 2 August 2002 on the supervision of the financial sector and financial services; and the Royal Decree of 21 February 2014 on the rules of conduct and the rules governing the management of conflicts of interest laid down by law with regard to the insurance sector.
Information on how our office complies with these rules of conduct (including our office’s conflict-of-interest policy) is available on our website.

Information provided through our office’s website
In accordance with the applicable legal provisions, our office uses its website to communicate certain information to its clients.
Using a website to inform a client is considered appropriate to the context in which business is conducted if it is demonstrated that the client has regular access to the internet. A client’s provision of an email address as a means of communication for conducting business with our office constitutes evidence of such regular access.

Accurate and complete information
The quality of our services depends on the quality of the information you provide to us.
It is therefore important that you give our office accurate and complete information both before entering into an insurance contract and throughout the term of the contract. If you provide inaccurate or incomplete information, our office cannot be held liable for any resulting consequences.
As part of our services, you will receive various documents from our office.
It is your responsibility to read them carefully. Our office remains available to provide any explanations or address any comments you may have.
In all cases, it is your responsibility to verify that the documents submitted to you meet your requirements and needs.
Please check that the documents provided are correct and notify us of any discrepancy.

Complaints handling
Our office aims to satisfy its clients. If you encounter a problem or have a question, our office remains at your disposal. If you have a complaint about our services that we have been unable to resolve by mutual agreement, you may contact the Insurance Ombudsman Service, whose registered office is located at Square de Meeûs 35, 1000 Brussels – Tel. 02/547.58.71 – Fax 02/547.59.75 – info@ombudsman.as – www.ombudsman.as.

Data confidentiality
Each party—our office and you as the client—undertakes not to disclose to third parties any confidential information concerning the other party of which it becomes aware in the course of this collaboration, except for information that must be communicated to third parties for the proper performance of the contract (for example, an insurer, reinsurer, expert, etc.) and where disclosure is required by law.

Combating money laundering and terrorist financing
In our efforts to help combat money laundering and terrorist financing, and pursuant to the Law of 11 January 1993 on preventing the use of the financial system for the purposes of money laundering and terrorist financing, you undertake to answer any questions our office may ask you in this context and to provide the required documents upon first request.

Applicable law
These terms and conditions are governed by and interpreted in accordance with Belgian law.