Find Credafin’s Legal Notice Below
Advertising
The content of this site also carries an advertising character. If any information appears unclear to you, please contact Credafin.
The information available on this site is regularly updated. However, while Credafin strives to provide the most up-to-date information possible, it cannot offer any guarantees. Some actions, for instance, may be temporary, meaning that at a certain time, the related information may no longer be applicable.
No contractual rights can be derived from the information presented on this site. Credafin is only bound based on contractual documents that will be communicated to you once all information has been gathered, verified, validated, and your file has been accepted.
Request
If your visit to our site results in a credit (or potentially insurance) request, it is important to fully understand the presented information. If you require additional information, please contact Credafin by phone at 02/306.73.67 or by email. (info@credafin.be)
Credafin is only contractually bound if you provide exact and complete answers to all the questions asked. If there is information that could be useful for processing your request and that is not explicitly asked, you are nevertheless kindly requested to communicate it to us.
Subject to other legal constraints, the contract takes effect upon receipt by Credafin of the duly signed copy from you, accompanied by all documents required at acceptance, such as a copy of your identity card.
Availability
While Credafin endeavors to ensure uninterrupted access to its site, Credafin cannot offer any guarantees.
Credafin reserves the right to interrupt site access at any time, without prior notice, in case of risk of abuse or fraud, to perform maintenance work, make improvements, or modify the site.
Copyright
Credafin holds the copyright on this site. Unless prior express and written authorization from Credafin is obtained, any total or partial reproduction of the site or its content, in any form whatsoever, including photocopies, microfilm, magnetic tape, floppy disk, or other electronic media, is strictly prohibited. If you wish to use the content of this site, please contact us via our email address info@credafin.be.
Hyperlinks
This site contains hyperlinks managed by third parties. Credafin has no control over sites managed by third parties. Credafin cannot under any circumstances be held responsible for the content of sites managed by third parties.
No hyperlink can be established to Credafin’s site without prior express and written authorization from Credafin. This site may not be subject to “framing” without prior express and written authorization from Credafin.
Complaint Handling
If you have a complaint related to your (credit) request, you can send us a letter or an email (with mention of your name and first name, as well as your file number to the following address: Credafin SPRL, Avenue de d’Auderghem 68/32, 1040 Brussels, E-mail: info@credafin.be.
In case of disagreement with the response provided, you have the option to contact the Banking – Credit – Investment Mediation Service (Rue Belliard 15/17 / B 8, 1040 Brussels – ombudsman@ombfin.be)
Cooling-off and Withdrawal Period for Consumer Credit
When you contract a consumer credit, you have a reflection period of 14 days during which you can waive the credit without needing to justify yourself. This 14-day period commences on the day of the contract conclusion.
If you receive the contract after the day of the contract conclusion, the 14-day period starts on the day you received the document after the contract conclusion day.
If you decide to waive the credit, you must send the lender, within the 14 days, a registered letter to inform them of your decision.
Ensure you check your contract: it may authorize you to waive the credit by sending, for example, a simple email.
If you purchase a good or service without concluding any credit contract, you may also waive the contract under certain circumstances.
Right to Waive
The borrower has the right to waive, without reason, the credit contract within a fourteen-day calendar period from the credit contract conclusion date or the day of receiving the contractual terms and information referred to in Article 14 of the Consumer Credit Act, if this day is later than the credit contract conclusion date. The borrower must notify their decision to the lender by registered mail within the above-mentioned period, and at the latest, within thirty calendar days from sending the withdrawal notification to the lender, return the received capital to the lender by transferring it to the account number stated in the credit contract. When these two conditions are met, the lender will inform the borrower of the interest amount due for the credit withdrawal period, calculated on the agreed debit rate basis. In case of withdrawal, the daily interest amount is 0 EUR. The lender is entitled to no compensation at the borrower’s expense, except for compensation for non-recoverable expenses that the lender has paid to a public institution. Payments made after the credit contract conclusion will be refunded to the borrower within thirty calendar days of the withdrawal. The lender will inform the borrower of the payment modalities.
General Conditions of Our Lending Partners
Cooling-off and Withdrawal Period for Insurance
When you sign a pre-signed policy or an insurance application, the contract is immediately concluded.
However, except for contracts shorter than 30 days, you have the option to cancel the contract with immediate effect upon notification within a 30-day period for life insurance contracts and 14 days for other contracts from the contract’s effective date.
The insurer has the same option within the same period, but their notification will only become effective 8 days after the notification.
When you conclude a contract remotely, the contract is concluded when the insurer receives your acceptance.
A termination right is provided except for contracts of less than 1 month, travel or luggage insurance, and life insurance linked to an investment fund.
You, like the insurer, have a termination right within 14 days of the contract conclusion.
In life insurance, the period is extended to 30 days from when the policyholder is informed by the insurer that the contract has been concluded.
If you receive contractual terms after the contract conclusion, the period begins on the date you received the contractual terms and all other supplementary information.
The policyholder’s termination takes effect at notification, while the insurer’s takes effect 8 days after their notification.
General Conditions of Our Insurance Partners
Credafin and Credafin.be
Credafin is the commercial and corporate name of the Private Limited Liability Company CREDAFIN.
Credafin.be is the domain name registered under the name of the Private Limited Liability Company CREDAFIN.
Credafin SPRL Registered office: Rue de Mariomont 21 at 4801 VERVIERS, company number BE 0665.876.096, RPM Brussels Tel: 02/306.73.67, Email: info@credafin.be
Credafin SPRL is an intermediary (broker) in consumer credit registered with the Financial Services and Markets Authority, Rue du Congrès 12-14, 1000 Brussels under number 0665.876.096.
Credafin is an insurance intermediary (broker), registered with the Financial Services and Markets Authority, Rue du Congrès 12-14, 1000 Brussels under number FSMA 115899 A
Regulatory Bodies:
FPS Economy, SMEs, Self-employed and Energy, DG Economic Inspection, North Gate III, Avenue Roi Albert II 16 at 1000 Brussels.
FSMA: Financial Services and Markets Authority, Rue du Congrès 12-14, 1000 Brussels
AssurMiFiD Conduct
PRODUCTS AND SERVICES OFFERED
Information regarding the types of services and contracts our company can offer
Our company offers insurance mediation services. These services consist of providing advice on insurance contracts, presenting or proposing insurance contracts, or carrying out other preparatory work for their conclusion, entering them, or contributing to their management and execution. Our company operates in the following sectors:
List of sectors
Life activities group
- Life insurance, marriage, and birth insurance linked to investment funds.
CONFLICTS OF INTEREST POLICY
General Framework
Our company’s primary priority is to act in an honest, fair, and professional manner that serves the best interests of its clients. In this context and following legislation, our company has taken appropriate measures to identify, prevent, and manage conflicts of interest that may arise in its activities. Considering this and the characteristics of our activities, our company has developed a conflict of interest management policy, which the present document summarizes. Upon request, you can obtain additional information provided on durable media.
Identification of potential conflict of interest situations
Conflicts of interest may arise between:
our company (including any person linked to it, such as directors, managers, individuals exercising control over the company, employees involved in the provision of insurance mediation services, and sub-agents – herein “linked persons”) and clients,
clients themselves. Considering the characteristics of our company, we have identified potential conflict of interest cases. Here are some examples:
Situation where a financial gain can be realized or a financial loss avoided at the client’s expense,
Our company has an interest in the result of an insurance mediation service or a completed transaction that differs from the client’s interest,
Our company is encouraged, for financial or other reasons, to favor the interests of another client or group of clients over those of the concerned client,
Our company has the same professional activity as the client,
Our company receives an advantage from a person other than the client concerning the insurance mediation service provided to the client, in the form of money, goods, or services, other than the normal commission or fees for this service.
Conflict of Interest Management Policy
Our company has implemented various measures to manage conflicts of interest that could arise. These measures include:
compliance by the staff and any other person linked to the company with an internal instruction note outlining principles and measures to follow in managing conflicts of interest,
a suitable policy on staff remuneration and any other person linked to the company,
a policy on gifts or other advantages,
organizational measures guaranteeing the confidentiality of data communicated by clients,
organizational measures for separate management when necessary,
a policy on arbitration advice,
a policy stating that if a specific conflict of interest cannot be resolved, our company reserves the right to refuse the concerned client’s request solely to protect their interests.
Client Information
If the organizational or administrative measures taken by our company to manage conflicts of interest do not sufficiently ensure, with reasonable certainty, that the risk of harming the client’s interests will be avoided, our company will inform them in writing or on any other durable medium before acting on their behalf, of the general nature and/or source of these conflicts of interest. The final decision on how to proceed with the situation causing the conflict of interest belongs to the client. If a specific conflict of interest cannot be resolved, our company reserves the right to refuse the concerned client’s request solely to protect their interests.
COMPENSATION
For insurance mediation services provided, our company is compensated in the form of commissions. Our company may also receive remuneration related to the insurance portfolio from a specific insurance company or tasks performed on its behalf by our company. Our company is registered in the insurance broker category in the register of insurance intermediaries held by the FSMA, whose headquarters are located Rue du Congrès 12-14 in 1000 Brussels, and which can be accessed on the site www.fsma.be. Our company does its best to satisfy you. In case of a problem or question, we are at your disposal. If you have a complaint about our service delivery that we could not resolve together, you can contact the Insurance Ombudsman Service, located at Square de Meeûs 35 in 1000 Brussels – Tel. 02/547.58.71 – Fax. 02/547.59.75 – info@ombudsman.as – www.ombudsman.as.
* Law of July 30, 2013, to strengthen the protection of consumers of financial products and services as well as the powers of the FSMA and various financial provisions and the Royal Decree of February 21, 2014, regarding the implementation of Articles 27 to 28 bis of the law of August 2, 2002, relative to the surveillance of the financial sector and financial services in insurance and the Royal Decree of February 21, 2014, relating to the code of conduct established by law and regulations on conflict of interest management in the insurance sector.