GENERAL terms & CONDITIONS

Article 1: Who are we?

1.1
Blue Risk is a private limited company and its purpose is to advise on and mediate in financial products. Our company is registered at the Chamber of Commerce in Rotterdam under number 67861105.

Article 2: When are these general conditions applicable?

2.1
These general conditions apply to every order you give us.

2.2 Any purchase or other conditions to which you may refer are not applicable unless they have been accepted by us without reservation and in writing.

2.3 Does the content of written agreements between you and us deviate from the provisions of these general conditions? Then the provisions in the written agreements prevail.

Article 3: To whom do these general conditions apply?

3.1
These General Conditions apply to all our services and to every instruction given to us by you.

3.2
Not only our firm, but also our directors and/or partners and all persons working for us may invoke the conditions. Also when these persons are no longer working for us.

Article 4: Engagement of third parties

4.1
It may be necessary for us to make use of third parties, such as valuers or tax consultants, in the execution of the instruction given to us. We will charge the costs of these third parties to you.

4.2
Is it necessary for the execution of the order given to us to make use of external advisers (such as accountants, lawyers or tax consultants)? Then we will first consult with you about this. Naturally we will take the necessary care in selecting the relevant advisor. We are not liable for (culpable) shortcomings of these external advisors.

Article 5: What should you take into account with offers, quotations and advice?

5.1
If we send you offers or quotations on behalf of a financial institution, these offers are without obligation and subject to acceptance by the financial institution concerned. Unless explicitly stated otherwise in those documents.

5.2
You cannot derive any rights from calculations that we have made concerning the costs of a financial product and the possible impact thereof on your monthly costs. You should regard these calculations as preliminary and indicative. The calculations may be subject to interim interest and premium changes. We can only give you a final calculation when a financial institution has issued an offer that has been accepted by you.

5.3 You cannot derive any rights from prognoses provided by us regarding the possible results of financial products with an investment and/or investment component. These forecasts are merely an indication. We are not responsible for the accuracy of forecasts provided by the financial institution for such products.

Article 6: What do we expect from you?

6.1
In order to be able to optimally look after your interests in the area of financial services, we also ask a number of things of you. In any case, that you provide us with the correct data and any changes both before and during the term of the insurance. For our advice we depend on the information you provide us. In the relationship that we have with you, we ask, depending on current events, that you inform us regularly. For example, if there are changes in your activities, or if you have recently made major investments for your business.

6.2
We can only meet our duty of care towards you if you strictly comply with your obligation to provide information. If you fail to do so, we may suspend performance of the engagement.

6.3
It may happen that we send you an invoice for interest or premiums for a financial product on behalf of a financial institution. You are yourself responsible for the timely payment thereof. You should realise that not paying such an invoice, or not paying it on time, can have major consequences. It is possible that your insurance policies will no longer provide cover.

Article 7: What about our liability?

7.1
We treat your order with attention and care. In the unlikely event that something goes wrong, the following applies. We have professional liability insurance. Our liability is limited to the amount paid out in the case in question under our professional liability insurance, including the excess.

7.2
If no payment is made on the basis of this insurance, our liability is limited in total to the fee charged by us in connection with the assignment in question, with a maximum of € 50,000. Have we not charged you a fee for our services? Then our liability is limited to the annual premium of the financial product to which your claim relates.

Article 8: What should you do if you have a complaint?

8.1
We have an internal complaints procedure. You must submit your complaint to us in writing. We will try to find a good solution to your complaint with you.

8.2
We are affiliated with the Financial Services Complaints Institute (Kifid) under number 300.016660. If we cannot solve your complaint to your satisfaction, you can submit the complaint to the Kifid for a binding opinion. But of course also to the civil judge.

Article 9: Protection of your personal data

9.1
We will handle all personal data you provide with care. We will not use these data for any purpose other than to carry out your order. Or to send you general brochures or newsletters. We never provide your data to third parties. Except when it is mandatory by law or public order to provide your information to a designated agency.

9.2
Do you object to us including your personal data in a mailing list? If so, please let us know in writing. In that case we will immediately remove your data from the file concerned.

Article 10: Can we alter these agreements?

10.1
We may change the contents of these general conditions in the interim. In that case we will notify you and send you the modified general conditions. If you do not agree with the changes, you may object to their applicability within 30 days of receipt of the amended terms and conditions. In that case, we will consult with you about the content of the applicable general terms and conditions. Do you not object? In that case, the new conditions will apply as from the date specified by us.