Informacja prawna

Official contact details.

The Thrive Invest Company SRL

Rue de la station 218 1410 Waterloo - Belgium

Company number 0667.508.270.

Insurance, mortgage and consumer credit broker

FSMA No. 0667508270

Telephone

0032 470 72 22 18

lucien.druart@thrive-invest.com

The language used by our office is French and English.

We communicate via letter, telephone and e-mail.

Our office is registered under number 0667508270 in the category of insurance brokers, mortgage credit brokers, consumer credit brokers in the register of insurance intermediaries, mortgage loans, consumer loans kept by the FSMA, whose registered office is located at Rue du Congrès 12-14, 1000 Brussels and which can be consulted on the www.fsma.be website.

Services offered

Our office offers insurance and credit mediation services. These services include advising on insurance contracts, presenting or proposing insurance contracts or carrying out other preparatory work for their conclusion or conclusion, or assisting in their management and execution.

Our office operates in the following industries:

21. Life insurance policies not linked to investment funds, with the exception of marriage and birth insurance

22. Non-investment fund-related marriage and birth insurance

23. Life insurance, marriage insurance and birth insurance linked to investment funds

26. Capitalization operations

Mortgages, business loans and consumer loans.

Terms and Conditions of Service

Benefits

The activity of our office consists of advising on insurance contracts, presenting or proposing insurance contracts or carrying out other preparatory work for their conclusion or conclusion, or contributing to their management and execution. For these insurance mediation services, we receive a fee, about which you can find all the information on our website.

Rules of Conduct

Our office is required to comply with the "AssurMiFID" rules of conduct as determined in the law of 30 July 2013 aimed at strengthening the protection of users of financial products and services as well as the powers of the Financial Services and Markets Authority, and containing various provisions, the Royal Decree of 21 February 2014 on the procedures for applying 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 on the management of conflicts of interest, laid down by law, with regard to the insurance sector. Information about how our office complies with these rules of conduct (including our office's conflict of interest policy) can be found on our website.

Information through our office's website

In accordance with the legal provisions, our office uses its website to communicate certain information to its clients. The use of a website to inform a customer is considered appropriate to the context in which the business is conducted if it is proven that the customer has regular access to the Internet. The provision by the client of an email address as a means of communication for the purposes of conducting their business with our office constitutes evidence of such regular access.

Correct and complete information

The quality of our services depends on the quality of the information you provide to us. For this reason, it is important that you provide our office with correct and complete information both before the conclusion of an insurance contract and during the course of the contract. If you provide incorrect or incomplete information, our office cannot be held responsible for the consequences that may result. As part of our services, you will receive various documents from our office. It is your responsibility to read them carefully, our office will be at your disposal for any explanation or remark. In any case, it is your responsibility to check that the documents submitted to you comply with your requirements and needs. Please check that the documents submitted are compliant and to inform us of any anomaly.

Complaint handling

Our office aims to satisfy its clients. If you have any problems or questions, our office is at your disposal. If you have a complaint about our service that we have not been able to resolve by mutual agreement, you can 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 Privacy

Each party, our office and you as a client, undertakes not to disclose to third parties any confidential information concerning the other party of which it has become aware in the context of this collaboration, with the exception of information that must be communicated to third parties for the proper performance of the contract (e.g. insurer, reinsurer, adjuster, etc.) and legal exceptions.

Anti-Money Laundering and Countering the Financing of Terrorism

With the intention of participating in the fight against money laundering and the financing of terrorism and in application of the law of 11 January 1993 on the prevention of the use of the financial system for the purposes of money laundering and terrorist financing, you undertake to answer the questions that our office may ask you in this context and to provide the required documents to the first request.

Applicable law

These terms and conditions shall be governed by and construed in accordance with Belgian law.

Remuneration

For its intermediation services in insurance and loans provided, our office is remunerated in the form of commissions. In addition, our office may receive remuneration in connection with the insurance portfolio of a specific insurance company or the tasks carried out on its behalf by our office. For more information, please contact our office.

Our Conflict of Interest Policy

In accordance with the legislation, our office has developed a conflict of interest policy. Further information on this policy is available upon request. It will be given to you on a durable medium.

General framework

Our office's top priority is to act in an honest, fair and professional manner that serves the best interests of our clients. In this context and in accordance with the legislation, our office has taken adequate measures to identify, prevent and manage conflicts of interest that may arise in the context of its activities. Taking into account the above and the characteristics of our activities, our office has developed a conflict of interest management policy, which is summarized in this document. On request, you can obtain additional information that will be provided to you on a durable medium.

Identification of potential conflicts of interest

Conflicts of interest may arise between our office (including any person related to it, such as directors, managers, persons who exercise control over the company, employees involved in the provision of insurance mediation services and sub-agents – hereinafter referred to as "related persons") and clients, clients and each other. Taking into account the characteristics of our office, we have identified potential cases of conflicts of interest. Here are a few examples:

Situation in which a financial gain can be realized or a financial loss avoided at the expense of the customer:

Our office has an interest in the outcome of an insurance mediation service or a transaction that is different from the client's interest.

Our office is encouraged, for financial or other reasons, to give priority to the interests of another client or group of clients over those of the client concerned.

Our office has the same professional activity as the client.

Our office receives a benefit from a person other than the client in connection with the insurance mediation service provided to the client, in the form of money, goods or services, other than the commission or fees normally charged for that service.

Conflict of Interest Management Policy

Our office has put in place a series of measures to manage any conflicts of interest that may arise. These measures include the following: compliance by staff and any other person linked to the office with an internal instruction note setting out the principles and measures to be respected in the context of the management of conflicts of interest. An appropriate policy on the remuneration of staff and anyone else connected with the office. A policy on gifts or other benefits, organisational measures that ensure the confidentiality of data provided by clients, organisational measures for separate management where necessary, a policy on arbitration advice, a policy that if a specific conflict of interest cannot be resolved, our office reserves the right to refuse the request of the client concerned, for the sole purpose of protecting its interests.

Customer Information

Where the organisational or administrative arrangements made by our office to manage conflicts of interest are not sufficient to ensure, with reasonable certainty, that the risk of harming the client's interests will be avoided, our office will inform the client in writing or on any other durable medium, before acting on their behalf, of the general nature and/or source of such conflicts of interest. The final choice of follow-up for the situation that is the basis of the conflict of interest in question is up to the client. If a specific conflict of interest cannot be resolved, our office reserves the right to refuse the client's request for the sole purpose of protecting the client's interests.

Monitoring of the management policy on conflicts of interest

In accordance with the regulations, our office maintains and regularly updates a register of conflicts of interest that arise and that involve a material risk of harm to the interests of one or more clients. The inclusion of conflicts of interest in the register may lead to an update of the list of potential conflicts of interest and vice versa. If necessary, our office will update/amend its conflict of interest management policy. Individuals associated with our office are required to comply with internal instructions related to the Conflict of Interest Policy.

[1] Law of 30 July 2013 aimed at strengthening the protection of users of financial products and services as well as the powers of the Financial Services and Markets Authority, and containing various provisions, as well as in the Royal Decree of 21 February 2014 on the procedures for applying Articles 27 to 28 bis of the Law of 2 August 2002 on the supervision of the financial sector and financial services to the insurance sector, as well as the Royal Decree of 21 February 2014 on the rules of conduct of business and the rules on the management of conflicts of interest, laid down by law, with regard to the insurance sector.

Complaint Resolution

Our office does its best to satisfy you. If you have any problems or questions, we will be happy to help. If you have a complaint about our service that we have not been able to resolve together, you can 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.

Disclaimer & Privacy Information

The information and tools provided on this website are for information purposes only. We take all reasonable measures to ensure the quality of the information and tools on this site, in particular by updating them regularly. However, we do not accept any responsibility for the accuracy or completeness of the information and tools made available on this website, on the sites to which it refers or on the websites that refer to it. In the event of force majeure, access to this site may be interrupted. We may also discontinue access for maintenance, adaptation, or any other reason. We do not accept any liability for any interruptions and consequences for the user. If we are notified of any errors, we will rectify them as soon as possible.

The information, tools, data and other material presented on this portal site are and remain our property. Reproduction, distribution, publication, resumption, etc. partial or total information, tools, data or other elements of this website for any purpose other than personal or private use is prohibited, unless we give prior written permission.

Newsletter, contact and privacy

We publish a newsletter for people interested in insurance and finance, our services and other related topics. If you subscribe to this newsletter, your contact details will be added, with your explicit permission, to our list of recipients. The list will be used exclusively for the purpose of sending the newsletter. Each newsletter has a link to unsubscribe. If you unsubscribe from this service, your contact information will be removed from our mailing list. If you unsubscribe from this service, your contact information will be removed from our mailing list. If you leave a message on this site via the contact form, you must mention your name and email address so that we can answer your question. We ensure that we comply with the law of 8 December 1992 on the protection of privacy with regard to the processing of personal data. You can visit this website anonymously. We do not store names or other data revealing the identity of visitors to this site. On the other hand, important statistical data for the optimisation of the website is recorded.

Cookie Policy

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