SUSTAINABILITY POLICY

1. Policies relating to sustainability risks

In accordance with the European Regulation on the disclosure of sustainability-related information in the financial services sector ("SFDR" – Sustainable Financial Disclosure Regulation), our office incorporates sustainability risks into its insurance advice on insurance-based investment products, to the extent that this information is made available by the insurance company.

The SFDR defines sustainability risk as "an environmental (E), social (S), or governance (G) event or condition that, if it happens, could have a significant actual or potential negative impact on the value of the investment."

When advising on insurance-based investment products, the compensation policy applicable within our office does not encourage excessive risk-taking in terms of sustainability. 

 

2. Negative impacts on sustainability factors

The SFDR has defined sustainability factors as "environmental, social, and personnel issues, respect for human rights, and the fight against corruption and acts of corruption."

The regulatory framework relating to sustainability factors and the negative impacts of investment decisions on sustainability factors is currently incomplete and will continue to evolve over the coming months and years.

This is why our office does not currently take into account the negative impact of investment decisions on sustainability factors in its insurance advice relating to insurance-based investment products, unless the client has expressed a wish to do so. In the latter case, our office will take this into account when assessing the suitability of the insurance-based investment product(s) concerned.

Our office will adapt this policy as the regulatory framework evolves.