delivery terms and conditions De Vereende

Our firm specializes in financial services. We would like to show you our way of working. In our working method, you as a client are central. Your personal situation and your personal wishes are our guide. In this service guide we explain this and show you around our office. Hereafter you will find, briefly and to the point, our general information, opening hours, information about our services and where to go with complaints.

Premium payment

You pay the initial premium and any deposit to our office. You can pay the premium via ideal. The subsequent premium payments are collected by De Vereende.

Instant coverage

Upon receipt of the premium, coverage can begin immediately, 24/7.

Who we are.

Name and address information

Alpina
Lorentzlaan 4
3401 MX IJSSELSTEIN

PO Box 63
3400 AB IJSSELSTEIN
Our firm represents your interests in the field of financial services.

Accessibility

You can reach us in many ways:

Phone: 030-6883700
Fax: 030-6883027
E-mail: alpina.nl
Internet: alpina.nl
Of course, you can also visit us at our office.

On weekdays, our business hours are from 8:30 am to 6:00 pm. If necessary, you can also make an appointment with us outside office hours.

Internet

We have our own internet site. Here you will find regular information and tips. Go to

walpina.nlna.nl

Memberships and registrations

Our firm is registered with several organizations. The most important are:

• AFM
• KIFID
• KVK

Financial Markets Authority (AFM).

Under the law, the AFM supervises the competence and integrity of services provided by financial advisors, among others. Our firm is registered with the AFM under number 12020690.

You can consult the register of licensees at www.afm.nl
Financial Services Complaints Institute (KiFiD)

We do our utmost to provide the best possible service. But should you still have a complaint about our service, and we come to the Financial Services Complaints Institute (KiFiD).
Our registration number with KiFiD is 100.000471.

Chamber of Commerce (CoC).
We are registered in the commercial register of the Chamber of Commerce under number 30196409.

Our services

We are licensed to advise and broker financial products and services from a variety of providers. Below you can read about the areas in which we can and may be of service to you.

Non-life insurance

Almost everyone has one or more property and casualty insurance policies. This could be insurance for your household contents or your car. You may also have a need for non-life insurance policies that protect you against financial losses caused by fire, theft or liability, for example. We have the authority to both advise and mediate in the area of non-life insurance.

How do we arrive at a choice?

Choice Free

Our firm has no obligation to place financial products with one or more financial institutions. Thus, we are completely free in our choice.

Entrepreneurial freedom

No financial institution, such as a bank or insurance company, has an ownership interest or control in our business. This freedom to let you choose what we think is in your best interest goes hand in hand with our freedom as business owners.

Choice of providers

The market has many providers and financial products and services. Often these providers have dozens of different financial products. We have made a selection of the companies we do business with. We have made this selection based on a number of criteria. Of course, this includes the amount of the premium.

But also the quality of the terms and conditions and the experience of how the institution acts when a claim is made. At your request, we will provide you with a list of the companies we do business with.

When we advise you on a particular financial product, we first examine whether a product from one of our selected providers meets your needs.

If we are of the opinion, for example because you have very specific requirements, that there is no suitable provider within this selection, we may search more widely in the market for financial products. In that case we will inform you in advance.

What about our costs?

To provide our services, we incur operating expenses. Think of salaries, housing costs, training and permits. These costs are reimbursed in various ways.

Our firm has chosen to make our fees part of the price of the product. With insurance, this is the premium.

You pay the premium or commission directly to the insurance company or lender. then they remit a portion of it to us to cover our operating expenses.

If you have paid the premium or commission, then you have also paid for our services. Unless you have made other arrangements with us in advance.

If you ask us to provide services for which this method of remuneration is not possible, we will always make another agreement with you in advance about our remuneration. You will always know in advance how we will be remunerated.

The remuneration for our employees consists 100% of a fixed salary. The amount of the salary is determined by education, experience and the performance of the respective employee.

We also ask something of you

To best serve your interests in financial services, we also require a number of things from you. Correct and complete information
For our choice, we depend on the information you provide to us. In the relationship we have with you, depending on current events, we ask that you regularly inform us. For example, if there are changes in your income situation, or if you have recently incurred major expenses on your home.

Overall view

Your financial portfolio is best compared to a puzzle. The picture cannot be completed until all the pieces of the puzzle are known. It is possible that you have taken out certain financial products elsewhere and also have them supervised elsewhere. However, in order to best represent your interests, it is important for us to have an overall picture.
This will prevent us from not drawing your attention to a particular risk because we could think that you had already arranged it elsewhere. That is why we ask you to help us complete the overall picture of your financial services package.

Submit changes

Naturally, we ask you to inform us of any changes in your personal situation that may affect your package of financial services. Think for example of a move, another job, a marriage, a birth, becoming unemployed or disabled.

Reviewing information

If we provide a particular financial service for you, we will often send you information. Sometimes this will be information that we send to you based on legal obligation.
However, we may also send you information because we believe it will help you better explore existing or new financial products and services. We ask you to read all our information carefully and consult us if necessary.
In any case, we ask that you always check policies and other contracts yourself and determine whether they have been drawn up in accordance with your wishes. Naturally, we also check these documents.

If you have a complaint

We represent your interests in financial services to the best of our ability. But even we can make mistakes. And that can lead to you having a complaint.

First make the complaint known to us
If you have a complaint, we ask that you first make it known to the management of our office. In most cases, we will be able to resolve your complaint quickly.

You can send the complaint by e-mail , post, fax or through our complaint form. You will then receive a response to your complaint from us within 14 days.

Then possibly to the Complaints Institute
If we cannot work it out together, you can always turn to the Financial Services Complaints Institute (KiFiD).

You may contact:

Financial Services Complaints Institute
P.O. Box 93257
2509 AG The Hague
Phone: 0900-3552248 ( 10ct/min.)
E- mail: info@kifid.nl
Internet: www.kifid.nl

We do more for you

We represent the interests of our clients in the broad field of financial services. Our services include more than we can tell you in this service guide. If you have any questions
ask us for further information.

We are happy to serve you.