Legal notices

Website editing and publication:

This website is published by RGF Group Kereis, the trade name of RGF Holding, a limited liability company with capital of €7,126. RGF Holding comprises several entities registered with the FSMA:

RGF Advices (BCE No. 0871.765.031), registered as an insurance broker under number 065537.
RGF Financial Services (BCE No. 0737.984.710), registered as a mortgage broker, consumer credit broker, insurance broker, and banking and investment services agent under number 0737.984.710.
RGF Insurances (BCE No. 0455.961.267), registered as an insurance broker under number 012147.
RGF Life (BCE No. 0689.818.468), registered as an insurance broker under number 0689.818.468.
RGF Loans (BCE No. 0544.890.372), registered as a mortgage broker, consumer credit broker, and insurance broker under number 0544.890.372.

These companies are supervised by the FSMA (Financial Services and Markets Authority), Rue du Congrès 12-14, 1000 Brussels www.fsma.be.

Competent supervisory authority for credit: Federal Public Service Economy, SMEs, Self-Employed, and Energy
Rue du Progrès, 50, 1210 Brussels
Telephone: 0800 120 33
Email:[email protected]
Website:https://economie.fgov.be/

Headquarters: Sentier du Lièvre 95, 4053 Embourg, Belgium.

Director of publication: Philippe Gravier in his capacity as President of Kereis. The publication and editing of the website are supervised by RG Marketing.

Photo credits: Shutterstock

Intra-community VAT number: BE792639458

Website hosting

Kinsta
(https://kinsta.com/fr/)

- Jagello ut 14.
  Budapest; Hungary; Postal Code: 1124
- Phone: +44 808 2583 915
- Servers located in the EU

Terms and conditions of use of the website

Access to the site and consultation of the information it contains implies the user's unreserved acceptance of all the provisions contained in these general terms and conditions of use ("GTCU").

The Terms of Use, described below, are subject to change. The applicable terms are those in effect and accessible on the website on the date the Internet user accesses it.

Safety Notice

To ensure its security and guarantee access for all, this website uses software to monitor traffic on the site, identify unauthorized attempts to connect or change information, or any other initiative that could cause damage.

Unauthorized attempts to access or alter information, or any breach of the availability and integrity of this site, are strictly prohibited and will be punished in accordance with Articles 550 bis et seq. of the Belgian Penal Code relating to computer crimes.

Intellectual property

All copyrights, trademarks, and other intellectual property rights currently associated with this website are the exclusive property of RGF Group Kereis. You have no rights to this website other than the limited right to use it. Access to the site constitutes a license granted by RGF Group Kereis under the following conditions: right of private use, right to reproduce the content for storage with mention of its source.

The logos, icons, and graphic symbols displayed on the website are protected by copyright and the provisions of the Intellectual Property Code relating to the protection of registered designs.

Any representation, reproduction, or use of the contents of this website without the express written permission of RGF Group Kereis is strictly prohibited and constitutes an infringement within the meaning of Articles XI.293 et seq. of the Belgian Economic Law Code.

Furthermore, such use or reproduction may constitute a violation of image rights or personal rights and may result in civil or criminal liability for the perpetrator.

RGF Group Kereis reserves the right to take legal action against anyone who fails to comply with the above provisions.

Liability

As a user, you are solely responsible for the use you make of the information on the site. RGF Group Kereis cannot therefore be held liable for any direct or indirect damage resulting from the use of this information.

You are responsible for any damage to your equipment (computer, tablet, cell phone) when accessing the site and resulting from incompatibility with the site's specifications. It is your responsibility to take all necessary measures to ensure that the technical characteristics of your equipment allow you to view the information on the site.

You must also take all appropriate measures to protect your data and software from contamination by possible malware (viruses, etc.).

A contact form is available to users. Users remain solely responsible for the information they enter on this form. RGF Group Kereis reserves the right to delete, without prior notice, any content entered in this space that contravenes applicable legislation in Belgium, in particular provisions relating to data protection. RGF Group Kereis also reserves the right to hold the author liable in civil and/or criminal proceedings, in particular for racist, abusive, or defamatory messages, regardless of the medium used.

Links to other sites

RGF Group Kereis provides links to third-party websites on its website.

As RGF Group Kereis has no control over these third-party websites, it cannot be held responsible for their content or the use that may be made of them by users.

Applicable laws and jurisdiction

Any dispute relating to the use of this website is subject to Belgian law.

In the event of a dispute, RGF Group Kereis and the user agree to attempt to find an amicable solution. In the event of a persistent disagreement, the dispute will be brought before the Belgian courts, which will have exclusive jurisdiction.

Regulatory – Protection of personal data

RGF Group Kereis is committed to ensuring the privacy and security of your personal data.

To learn more about the commitments and measures taken by RGF Group Kereis, please consult ourprivacy policy.

Code of Conduct and Professional Ethics

The Kereis Group, to which RGF Group Kereis belongs, has developed and implemented a professional ethics policy.

Kereis is structured around permanent mechanisms for:

Combating the risks of corruption and bribery,
Combat money laundering and terrorist financing by ensuring that all transactions comply with applicable laws and regulations and by taking all measures necessary to prevent and detect money laundering.
Protecting people's privacy through the GDPR.
Protect whistleblowers, whether they are employees of the group or anyone outside the Group (customer, supplier, etc.).

The Group is committed to:

Respect human rights,
Have a health and safety policy that meets the highest standards of protection for Group employees and external service providers working on our sites.
Protect the tangible and intangible assets of the Group's entities, its partners, and its customers through a cybersecurity policy that is reviewed as often as necessary.
Take into account the social, societal, and environmental impacts of its activities in order to meet the requirements of its customers, partners, and employees.

View our code of conduct and professional ethics.

Fight against corruption

To combat corruption, in accordance with the requirements of the Sapin 2 law, KEREIS implements measures to prevent and detect corruption. These measures apply to all permanent and temporary employees, contractors, and suppliers.

These measures translate into:

informing all employees and training individuals;
the drafting of a Code of Conduct and Professional Ethics that reiterates the principles of compliance and integrity in force within the group. This Code of Conduct and Professional Ethics is incorporated into KEREIS' internal regulations;
implementation:

o a dedicated email address: [email protected]

o A dedicated telephone number: 0 969 371 329 for reporting incidents, conduct, or situations that violate this Code.

Cookies

Some features of this site rely on the use of cookies.

Cookies are pieces of text information stored by the browser on a user's device (computer, smartphone, etc.) at the initiative of the website they are visiting, and communicated by the browser to that same website during subsequent visits to the site. They help website providers understand how visitors use a site, remember a user's login details, and record user preferences (e.g., the language used on the site).

The information contained in a cookie is used by RGF Group Kereis solely for the purpose of managing the website.

You can view information about cookies here.