{"id":2508,"date":"2024-03-06T10:41:28","date_gmt":"2024-03-06T09:41:28","guid":{"rendered":"https:\/\/bvw-welo.reejeel.com\/new\/lenen-copy\/"},"modified":"2024-03-06T13:31:11","modified_gmt":"2024-03-06T12:31:11","slug":"assurmifid","status":"publish","type":"page","link":"https:\/\/bvw-welo.reejeel.com\/new\/assurmifid\/","title":{"rendered":"AssurMiFID"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-position:left top;--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:130px;--awb-padding-bottom:130px;--awb-padding-top-medium:90px;--awb-padding-bottom-medium:90px;--awb-margin-bottom-medium:0px;--awb-background-color:var(--awb-color1);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:calc( 1200px + 80px );margin-left: calc(-80px \/ 2 );margin-right: calc(-80px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_3_5 3_5 fusion-flex-column fusion-column-no-min-height fusion-animated\" style=\"--awb-padding-right-medium:0px;--awb-padding-left-medium:0px;--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:calc( 0.13333333333333 * calc( 100% - 80px ) );--awb-margin-bottom-large:20px;--awb-spacing-left-large:40px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:calc( 0.16 * calc( 100% - 80px ) );--awb-margin-bottom-medium:49px;--awb-spacing-left-medium:40px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:40px;--awb-margin-bottom-small:0px;--awb-spacing-left-small:40px;\" data-animationType=\"fadeIn\" data-animationDuration=\"0.8\" data-animationOffset=\"top-into-view\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1 fusion-text-no-margin\" style=\"--awb-font-size:var(--awb-typography3-font-size);--awb-line-height:var(--awb-typography3-line-height);--awb-letter-spacing:var(--awb-typography3-letter-spacing);--awb-text-transform:var(--awb-typography3-text-transform);--awb-text-color:var(--awb-color6);--awb-text-font-family:var(--awb-typography3-font-family);--awb-text-font-weight:var(--awb-typography3-font-weight);--awb-text-font-style:var(--awb-typography3-font-style);\"><p>Verzekeringen<\/p>\n<\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-bottom:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:37;line-height:var(--awb-typography1-line-height);\">AssurMiFID &#8211; gedragsregels<\/h3><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_5 2_5 fusion-flex-column fusion-column-no-min-height fusion-animated\" style=\"--awb-padding-right-medium:0px;--awb-padding-left-medium:0px;--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:40px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:calc( 0.04 * calc( 100% - 80px ) );--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:40px;--awb-margin-bottom-medium:49px;--awb-spacing-left-medium:calc( 0.032 * calc( 100% - 80px ) );--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:40px;--awb-margin-bottom-small:30px;--awb-spacing-left-small:40px;\" data-animationType=\"fadeIn\" data-animationDuration=\"0.8\" data-animationOffset=\"top-into-view\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:15px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" style=\"--awb-bg-position:center center;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:40px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:40px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:40px;--awb-spacing-left-medium:40px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:40px;--awb-margin-bottom-small:60px;--awb-spacing-left-small:40px;\" data-animationType=\"fadeInUp\" data-animationDuration=\"0.8\" data-animationOffset=\"top-into-view\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\" style=\"--awb-font-size:15px;--awb-line-height:var(--awb-typography4-line-height);--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><h5><strong>WETGEVEND KADER<\/strong><\/h5>\n<p>Vanaf 30 april 2014 zijn de \u201c<a href=\"https:\/\/www.fsma.be\/nl\/gedragsregels-mifid\" target=\"_blank\" rel=\"noopener\">AssurMiFID \u2013gedragsregels<\/a>\u201d van kracht. Zij vinden hun wettelijke basis in de wet van 30 juli 2013 tot versterking van de bescherming van de afnemers van financi\u00eble producten en diensten alsook van de bevoegdheden van de FSMA en diverse bepalingen alsook het KB van 21 februari 2014 over de regels voor de toepassing van de artikelen 27 tot 28bis van de wet van 2 augustus 2002 betreffende het toezicht op de financi\u00eble sector en de financi\u00eble diensten op de verzekeringssector en KB van 21 februari 2014 inzake de krachtens de wet vastgestelde gedragsregels en regels over het beheer van belangenconflicten, wat de verzekeringssector betreft.<\/p>\n<p>Overeenkomstig deze gedragsregels is ons kantoor gehouden om een schriftelijk beleid op te stellen voor het beheer van belangenconflicten bij het verlenen van diensten van verzekeringsbemiddeling.<\/p>\n<p>De wettelijke regeling omtrent belangenconflicten is een aanvulling op de algemene MiFID-grondwet. Deze grondwet wordt door ons kantoor ge\u00eberbiedigd door zich loyaal, billijk en professioneel in te zetten voor de belangen van de klant bij het verlenen van diensten van verzekeringsbemiddeling.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" style=\"--awb-bg-position:center center;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:40px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:40px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:40px;--awb-spacing-left-medium:40px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:40px;--awb-margin-bottom-small:60px;--awb-spacing-left-small:40px;\" data-animationType=\"fadeInUp\" data-animationDuration=\"0.8\" data-animationOffset=\"top-into-view\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\" style=\"--awb-font-size:15px;--awb-line-height:var(--awb-typography4-line-height);--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><h5><strong>WELKE BELANGENCONFLICTEN?<\/strong><\/h5>\n<p>Met het oog op ons belangenconflictenbeleid heeft ons kantoor in een eerste stap de mogelijke belangenconflicten in ons kantoor ge\u00efdentificeerd.<\/p>\n<p>Belangenconflicten kunnen zich voordoen tussen (1) <a href=\"https:\/\/bvw-welo.reejeel.com\/new\/over-ons\/\">ons kantoor<\/a> en haar verbonden personen en een klant of (2) tussen meerdere klanten onderling. Het beleid inzake belangenconflicten houdt rekening met de eigen kenmerken van ons kantoor en haar eventuele groepsstructuur.<\/p>\n<p>Bij de beoordeling naar mogelijke belangenconflicten heeft ons kantoor de situaties in kaart gebracht waarbij een aanzienlijk risico bestaat dat de belangen van de klant worden geschaad. Het gaat om:<\/p>\n<ul>\n<li>Situaties waarbij winst wordt gemaakt of verlies wordt geleden ten koste van de cli\u00ebnt;<\/li>\n<li>Situaties waarbij ons kantoor een ander belang heeft bij het resultaat van de dienst of transactie;<\/li>\n<li>Situaties met een financi\u00eble drijfveer om andere cli\u00ebnten te laten voorgaan;<\/li>\n<li>Situaties waarbij hetzelfde bedrijf als de cli\u00ebnt wordt uitgeoefend;<\/li>\n<li>Situaties waarbij ons kantoor een vergoeding ontvangt van een andere persoon dan de cli\u00ebnt voor de geleverde diensten van <a href=\"https:\/\/bvw-welo.reejeel.com\/new\/verzekeren\/\">verzekeringsbemiddeling<\/a>.<\/li>\n<li>Situaties eigen aan ons kantoor: vb groepsstructuren (bv. bancassurance of assurfinance) of nevenactiviteiten ( bv. bankagent}.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" style=\"--awb-bg-position:center center;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:40px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:40px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:40px;--awb-spacing-left-medium:40px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:40px;--awb-margin-bottom-small:60px;--awb-spacing-left-small:40px;\" data-animationType=\"fadeInUp\" data-animationDuration=\"0.8\" data-animationOffset=\"top-into-view\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\" style=\"--awb-font-size:15px;--awb-line-height:var(--awb-typography4-line-height);--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><h5><strong>WELKE MAATREGELEN NEEMT ONS KANTOOR?<\/strong><\/h5>\n<p>Ons kantoor neemt heel wat maatregelen om ervoor te zorgen dat het belang van de klant primeert.<br \/>\nHet gaat onder meer om:<\/p>\n<ul>\n<li>Een interne instructienota;<\/li>\n<li>Een aangepast verloningsbeleid;<\/li>\n<li>Een beleid dat erop toeziet dat de verbonden personen enkel bemiddelen m.b.t. verzekeringsovereenkomsten waarvan zij de essenti\u00eble kenmerken kennen en in staat zijn om aan de cli\u00ebnten toe te lichten;<\/li>\n<li>Een beleid dat het recht voorbehoudt van ons kantoor om bij ontstentenis van een concrete oplossing voor een specifiek belangenconflict de gevraagde dienstverlening te weigeren met het uitsluitende doel de bescherming van de<br \/>\nbelangen van de klant;<\/li>\n<li>Een regeling inzake het ontvangen van voordelen;<\/li>\n<li>Een beleid dat erop toeziet dat alle informatie die onze verbonden personen verstrekken correct, duidelijk en niet misleidend is.<\/li>\n<li>Indien noodzakelijk zal het beleid inzake belangenconflicten van ons kantoor aangepast en\/of geactualiseerd worden.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--link_hover_color: var(--awb-color5);--link_color: var(--awb-color5);--awb-background-position:right top;--awb-background-blend-mode:overlay;--awb-border-color:var(--awb-color1);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-bottom:90px;--awb-padding-top-medium:70px;--awb-padding-bottom-medium:70px;--awb-padding-top-small:102px;--awb-padding-right-small:40px;--awb-padding-bottom-small:46px;--awb-padding-left-small:40px;--awb-margin-bottom-medium:0px;--awb-background-image:linear-gradient(152deg, hsla(var(--awb-color2-h),calc(var(--awb-color2-s) + 100%),var(--awb-color2-l),var(--awb-color2-a)) 0%,hsla(var(--awb-color4-h),calc(var(--awb-color4-s) + 30%),calc(var(--awb-color4-l) + 11%),var(--awb-color4-a)) 70%);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" style=\"--awb-bg-position:center center;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:60px;--awb-spacing-left-small:1.92%;\" data-animationType=\"fadeInUp\" data-animationDuration=\"0.8\" data-animationOffset=\"top-into-view\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-5 fusion-text-no-margin\" style=\"--awb-font-size:15px;--awb-line-height:var(--awb-typography4-line-height);--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><h5>WAT IS DE PROCEDURE?<\/h5>\n<\/div><div class=\"fusion-image-element \" style=\"--awb-margin-top:00px;--awb-margin-bottom:0px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"3508\" height=\"1005\" src=\"https:\/\/bvw-welo.reejeel.com\/new\/wp-content\/uploads\/2024\/03\/schema-e1709727465496.png\" data-orig-src=\"https:\/\/bvw-welo.reejeel.com\/new\/wp-content\/uploads\/2024\/03\/schema-e1709727465496.png\" alt class=\"lazyload img-responsive wp-image-2520\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%273508%27%20height%3D%271005%27%20viewBox%3D%270%200%203508%201005%27%3E%3Crect%20width%3D%273508%27%20height%3D%271005%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/bvw-welo.reejeel.com\/new\/wp-content\/uploads\/2024\/03\/schema-e1709727465496-200x57.png 200w, https:\/\/bvw-welo.reejeel.com\/new\/wp-content\/uploads\/2024\/03\/schema-e1709727465496-400x115.png 400w, https:\/\/bvw-welo.reejeel.com\/new\/wp-content\/uploads\/2024\/03\/schema-e1709727465496-600x172.png 600w, https:\/\/bvw-welo.reejeel.com\/new\/wp-content\/uploads\/2024\/03\/schema-e1709727465496-800x229.png 800w, https:\/\/bvw-welo.reejeel.com\/new\/wp-content\/uploads\/2024\/03\/schema-e1709727465496-1200x344.png 1200w, https:\/\/bvw-welo.reejeel.com\/new\/wp-content\/uploads\/2024\/03\/schema-e1709727465496.png 3508w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 700px) 100vw, 1200px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-6\" style=\"--awb-font-size:15px;--awb-line-height:var(--awb-typography4-line-height);--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><div class=\"vc_row wpb_row vc_row-fluid\">\n<div class=\"wpb_column vc_column_container vc_col-sm-12 sc_layouts_column_icons_position_left\">\n<div class=\"vc_column-inner\">\n<div class=\"wpb_wrapper\">\n<div id=\"sc_content_1204160589\" class=\"sc_content sc_content_default sc_float_center p70\">\n<div class=\"sc_content_container\">\n<div class=\"wpb_text_column wpb_content_element \">\n<div class=\"wpb_wrapper\">\n<h5><strong>SPECIFIEKE TRANSPARANTIE<\/strong><\/h5>\n<p>Wanneer in een concrete situatie onze maatregelen onvoldoende garantie zouden kunnen bieden, zal u ge\u00efnformeerd worden door ons kantoor over de algemene aard en\/of de bronnen van het belangenconflict, zodat u een weloverwogen beslissing kan nemen. U kan steeds met ons contact op nemen voor meer informatie.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"vc_row wpb_row vc_row-fluid\">\n<div class=\"wpb_column vc_column_container vc_col-sm-12 sc_layouts_column_icons_position_left\">\n<div class=\"vc_column-inner\">\n<div class=\"wpb_wrapper\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":2289,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-2508","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AssurMiFID | Bank &amp; Verzekeringen | B.V.W. 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