{"id":5135,"date":"2024-12-05T10:46:10","date_gmt":"2024-12-05T09:46:10","guid":{"rendered":"https:\/\/www.wellfin.be\/?page_id=5135"},"modified":"2024-12-06T15:11:04","modified_gmt":"2024-12-06T14:11:04","slug":"mentions-legales-2","status":"publish","type":"page","link":"https:\/\/www.wellfin.be\/fr\/mentions-legales-2\/","title":{"rendered":"Mentions l\u00e9gales"},"content":{"rendered":"\t\t
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Mentions l\u00e9gales<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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I. INFORMATIONS SUR NOTRE BUREAU<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  1. WELLTEAM LASNE SA<\/li>
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  2. Si\u00e8ge social : Chauss\u00e9e de Louvain 431E<\/sup>, 1380 Lasne<\/li>
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  3. N\u00b0 entreprise : 0538.951.497<\/li>
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  4. T\u00e9l\u00a0: 02 352 60 24 \u2013 Email : info@wellfin.be (mailto:info@wellfin.be)<\/li>
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  5. Notre soci\u00e9t\u00e9 est inscrite au registre des interm\u00e9diaires d\u2019assurances et de services financiers sous le num\u00e9ro 112212A, dans la cat\u00e9gorie des courtiers. Ce registre, tenu par la FSMA (Autorit\u00e9 des services et march\u00e9s financiers) est consultable en ligne \u00e0 l’adresse fsma.be<\/a>. Le si\u00e8ge de la FSMA se situe Rue du Congr\u00e8s 12-14 \u00e0 1000 Bruxelles.<\/li>
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  6. Pour toute communication avec notre bureau, y compris pour la souscription de contrats d’assurance ou de produits financiers, les clients peuvent utiliser les moyens suivants : courrier, t\u00e9l\u00e9phone, e-mail, espace client en ligne, ainsi que notre site internet.<\/li>
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  7. Les \u00e9changes avec notre bureau se font en fran\u00e7ais.<\/li>
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  8. R\u00e8glement extrajudiciaire des plaintes :<\/strong> Notre bureau fait de son mieux pour vous satisfaire. En cas de probl\u00e8me ou de question, nous nous tenons \u00e0 votre disposition. Si vous aviez une plainte concernant notre prestation de service que nous n\u2019avons pas pu r\u00e9gler ensemble, vous pouvez contacter le Service Ombudsman Assurances dont le si\u00e8ge est situ\u00e9 Square de Mee\u00fbs 35 \u00e0 1000 Bruxelles \u2013 T\u00e9l. 02\/547.58.71 \u2013 Fax. 02\/547.59.75 \u2013 info@ombudsman.as<\/a> \u2013 www.ombudsman.as<\/a>.<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    II. POLITIQUES EN MATI\u00c8RE DE CONFLITS D'INT\u00c9R\u00caTS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    1. Cadre g\u00e9n\u00e9ral<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Notre bureau a comme priorit\u00e9 premi\u00e8re la volont\u00e9 d\u2019agir d’une mani\u00e8re honn\u00eate, \u00e9quitable et professionnelle qui sert au mieux les int\u00e9r\u00eats de ses clients. Dans le but de pr\u00e9server ces int\u00e9r\u00eats, nous avons d\u00e9velopp\u00e9 des proc\u00e9dures administratives et organisationnelles. Dans ce cadre et conform\u00e9ment \u00e0 la l\u00e9gislation, notre bureau a pris des mesures ad\u00e9quates destin\u00e9es \u00e0 identifier, pr\u00e9venir et g\u00e9rer les conflits d\u2019int\u00e9r\u00eats pouvant intervenir dans le cadre de ses activit\u00e9s.<\/p>\n

    \u00a0<\/p>\n

    Ce document a pour objectif de vous informer des grandes lignes de ces mesures. Sur demande, vous pouvez obtenir un compl\u00e9ment d\u2019information qui vous sera fourni sur un support durable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    2. Identification des cas de conflits d\u2019int\u00e9r\u00eats potentiels<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Nous proposons des polices d\u2019assurance \u00e0 nos clients, des assurances \u2013 \u00e9pargne et des assurances reposant sur les produits d\u2019investissement. Notre offre en assurances s\u2019inscrit tr\u00e8s souvent dans le cadre d\u2019une planification financi\u00e8re qui prend d\u2019autres aspects du patrimoine en consid\u00e9ration.<\/p>\n

    \u00a0<\/p>\n

    Toute relation professionnelle comporte un risque de conflits d\u2019int\u00e9r\u00eats. On parle de conflit d\u2019int\u00e9r\u00eat lorsque les diff\u00e9rentes parties ont, ou peuvent avoir, des int\u00e9r\u00eats contradictoires.<\/p>\n

    \u00a0<\/p>\n

    En ce qui concerne notre bureau, des conflits d\u2019int\u00e9r\u00eats peuvent intervenir entre :<\/p>\n

    \u00a0<\/p>\n

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    • notre bureau (en ce compris toute personne qui lui est li\u00e9e comme par exemple notamment les administrateurs, les g\u00e9rants, les personnes qui exercent un contr\u00f4le sur l\u2019entreprise, les salari\u00e9s impliqu\u00e9s dans la prestation de services d\u2019interm\u00e9diation en assurances et les sous-agents \u2013 ci-apr\u00e8s \u201cles personnes li\u00e9es) et les clients,<\/li>\n<\/ul>\n

      \u00a0<\/p>\n

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      • les clients entre eux.<\/li>\n<\/ul>\n

        \u00a0<\/p>\n

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        • notre bureau et d\u2019autres prestataires de services dans le cadre de la planification financi\u00e8re.<\/li>\n<\/ul>\n

          \u00a0<\/p>\n

          Voici quelques exemples de situations pouvant entra\u00eener des conflits d\u2019int\u00e9r\u00eats :<\/p>\n

          \u00a0<\/p>\n

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          • Situation dans laquelle un gain financier peut \u00eatre r\u00e9alis\u00e9 ou une perte financi\u00e8re \u00e9vit\u00e9e aux d\u00e9pens du client,<\/li>\n<\/ul>\n

            \u00a0<\/p>\n

              \n
            • Notre bureau a un int\u00e9r\u00eat dans le r\u00e9sultat d\u2019un service d\u2019interm\u00e9diation en assurances ou d\u2019une transaction r\u00e9alis\u00e9e qui est diff\u00e9rent de l\u2019int\u00e9r\u00eat du client,<\/li>\n<\/ul>\n

              \u00a0<\/p>\n

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              • Notre bureau est incit\u00e9, pour des raisons financi\u00e8res ou autres, \u00e0 privil\u00e9gier les int\u00e9r\u00eats d\u2019un autre client ou groupe de clients par rapport \u00e0 ceux du client concern\u00e9,<\/li>\n<\/ul>\n

                \u00a0<\/p>\n

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                • Notre bureau a la m\u00eame activit\u00e9 professionnelle que le client,<\/li>\n<\/ul>\n

                  \u00a0<\/p>\n

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                  • Notre bureau re\u00e7oit d\u2019une personne autre que le client un avantage en relation avec le service d\u2019interm\u00e9diation en assurances fourni au client, sous la forme d\u2019argent, de biens ou de services, autre que la commission ou les frais normalement pratiqu\u00e9s pour ce service,<\/li>\n<\/ul>\n

                    \u00a0<\/p>\n

                      \n
                    • Notre bureau offre des services en consultation en planification financi\u00e8re et d\u2019interm\u00e9diaire en assurances,<\/li>\n<\/ul>\n

                      \u00a0<\/p>\n

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                      • Les situations o\u00f9 il faut faire un choix parmi les diff\u00e9rentes possibilit\u00e9s au sein des services de planification financi\u00e8re,<\/li>\n<\/ul>\n

                        \u00a0<\/p>\n

                          \n
                        • Notre bureau a un int\u00e9r\u00eat dans le r\u00e9sultat d\u2019un service de consultation en planification financi\u00e8re ou d\u2019une transaction r\u00e9alis\u00e9e qui est diff\u00e9rent de l\u2019int\u00e9r\u00eat du client,<\/li>\n<\/ul>\n

                          \u00a0<\/p>\n

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                          • Notre bureau fait partie d\u2019un groupe d\u2019int\u00e9r\u00eat \u00e9conomique.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                            3.\tPolitique de gestion en mati\u00e8re de conflits d\u2019Int\u00e9r\u00eats<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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                            Notre bureau a mis en place toute une s\u00e9rie de mesures afin de privil\u00e9gier l\u2019int\u00e9r\u00eat de nos clients. Ces mesures sont notamment les suivantes :<\/p>\n

                            \u00a0<\/p>\n

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                            • le respect par le personnel et toute autre personne li\u00e9e au bureau d\u2019une note d\u2019instruction interne reprenant les principes et les mesures \u00e0 respecter dans le cadre de la gestion des conflits d\u2019int\u00e9r\u00eats,<\/li>\n<\/ul>\n

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                              • une politique de r\u00e9mun\u00e9ration adapt\u00e9e,<\/li>\n<\/ul>\n

                                \u00a0<\/p>\n

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                                • une politique en mati\u00e8re de cadeaux ou autres avantages,<\/li>\n<\/ul>\n

                                  \u00a0<\/p>\n

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                                  • une politique qui garantit que toutes les informations dispens\u00e9es par notre bureau sont correctes, claires et non trompeuses,<\/li>\n<\/ul>\n

                                    \u00a0<\/p>\n

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                                    • des mesures organisationnelles qui garantissent le caract\u00e8re confidentiel des donn\u00e9es communiqu\u00e9es par les clients,<\/li>\n<\/ul>\n

                                      \u00a0<\/p>\n

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                                      • des mesures organisationnelles en mati\u00e8re de gestion s\u00e9par\u00e9e lorsque cela s\u2019av\u00e8re n\u00e9cessaire,<\/li>\n<\/ul>\n

                                        \u00a0<\/p>\n

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                                        • une politique qui vise \u00e0 ce que chaque proposition prenne en compte les besoins du client et en ce qui concerne les produits d\u2019\u00e9pargne et d\u2019investissements, les connaissances et l\u2019exp\u00e9rience du client, sa situation financi\u00e8re et ses objectifs d\u2019investissement,<\/li>\n<\/ul>\n

                                          \u00a0<\/p>\n

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                                          • une politique en mati\u00e8re de conseil d\u2019arbitrage,<\/li>\n<\/ul>\n

                                            \u00a0<\/p>\n

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                                            • une politique suivant laquelle si un conflit d\u2019int\u00e9r\u00eat sp\u00e9cifique ne peut \u00eatre r\u00e9solu, notre bureau se r\u00e9serve le droit de refuser la demande du client concern\u00e9 et ce, dans le seul but de prot\u00e9ger ses int\u00e9r\u00eats.<\/li>\n<\/ul>\n

                                              \u00a0<\/p>\n

                                              La politique en mati\u00e8re de conflits d\u2019int\u00e9r\u00eats de notre bureau est adapt\u00e9e de mani\u00e8re r\u00e9guli\u00e8re<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                                              4.\tInformation au client<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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                                              Lorsque les dispositions organisationnelles ou administratives prises par notre bureau pour g\u00e9rer les conflits d\u2019int\u00e9r\u00eats ne suffisent pas \u00e0 garantir, avec une certitude raisonnable, que le risque de porter atteinte aux int\u00e9r\u00eats du client sera \u00e9vit\u00e9, notre bureau informera ceux-ci par \u00e9crit ou sur tout autre support durable, avant d\u2019agir en leur nom, de la nature g\u00e9n\u00e9rale et\/ou de la source de ces conflits d\u2019int\u00e9r\u00eats. Le choix final du suivi r\u00e9serv\u00e9 \u00e0 la situation qui est \u00e0 la base du conflit d\u2019int\u00e9r\u00eat concern\u00e9 appartient au client.<\/p>\n

                                              \u00a0<\/p>\n

                                              Si un conflit d\u2019int\u00e9r\u00eat sp\u00e9cifique ne peut \u00eatre r\u00e9solu, notre bureau se r\u00e9serve le droit de refuser la demande du client concern\u00e9 et ce, dans le seul but de prot\u00e9ger ses int\u00e9r\u00eats.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                                              5.\tSuivi de la politique de gestion en mati\u00e8re de conflits d\u2019int\u00e9r\u00eats<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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                                              Conform\u00e9ment \u00e0 la r\u00e9glementation, notre bureau tient et actualise r\u00e9guli\u00e8rement un registre des conflits d\u2019int\u00e9r\u00eats qui surviennent et qui comportent un risque sensible d\u2019atteinte aux int\u00e9r\u00eats d\u2019un ou plusieurs clients. La mention de conflits d\u2019int\u00e9r\u00eats dans le registre peut conduire WELLFIN\u00ae \u00e0 actualiser la liste des conflits d\u2019int\u00e9r\u00eats potentiels et vice et versa.<\/p>\n

                                              \u00a0<\/p>\n

                                              Si cela s\u2019av\u00e8re n\u00e9cessaire, notre bureau actualise\/modifie sa politique de gestion en mati\u00e8re de conflits d\u2019int\u00e9r\u00eats.<\/p>\n

                                              \u00a0<\/p>\n

                                              Les personnes li\u00e9es \u00e0 notre bureau sont tenues de respecter les instructions internes relatives \u00e0 la politique en mati\u00e8re de conflits d\u2019int\u00e9r\u00eats.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                                              III. POLITIQUE EN MATIERE DE REMUNERATION<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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                                              WELLFIN\u00ae est active dans le domaine du conseil en planification financi\u00e8re en \u00e9tablissant des analyses patrimoniales et en proposant ensuite la mise en place des recommandations effectu\u00e9es en tant que courtier d\u2019assurances.<\/p>\n

                                              \u00a0<\/p>\n

                                              L\u2019analyse patrimoniale est objective, globale et pluridisciplinaire (aspect financier, juridique, civil, fiscal, de protection, organisationnel, \u2026).<\/p>\n

                                              \u00a0<\/p>\n

                                              Notre activit\u00e9 de conseiller en planification financi\u00e8re se rapporte \u00e0 un tarif horaire ou forfaitaire selon le type d\u2019\u00e9tude r\u00e9alis\u00e9e et sur base d\u2019un devis pr\u00e9alable. Une lettre de mission est \u00e9tablie et sign\u00e9e par le client.<\/p>\n

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                                              Notre activit\u00e9 d\u2019interm\u00e9diation s\u2019op\u00e8re au travers d\u2019un contrat d\u2019abonnement annuel.<\/p>\n

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                                              WELLFIN\u00ae effectue le m\u00e9tier d\u2019interm\u00e9diation en assurance et en produits financiers en facturant les prestations aux clients.<\/p>\n

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                                              Des commissions d\u2019entr\u00e9e sont le cas \u00e9ch\u00e9ant appliqu\u00e9es en fonction du type d\u2019abonnement choisi.<\/p>\n

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                                              Des revenus sur volume ou nouvelle production qui ne sont pas individualisables pour le client peuvent \u00e9galement \u00eatre per\u00e7us.<\/p>\n

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                                              De mani\u00e8re g\u00e9n\u00e9rale, les honoraires sont pay\u00e9s par le client en r\u00e9mun\u00e9ration du travail accompli par WELLFIN\u00ae.<\/p>\n

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                                              Les commissions sur volume ou nouvelle production qui ne sont pas individualisables pour le client sont les suivantes :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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                                              Type de produit<\/div><\/div><\/div><\/th>
                                              Commission de gestion sur base annuelle<\/div><\/div><\/div><\/th>
                                              Commission unique<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t
                                              Branche 21 (Investissement)<\/div><\/div><\/div><\/th>
                                              0 – 0,30%<\/div><\/div><\/div><\/td>
                                              N\u00e9ant<\/div><\/div><\/div><\/td><\/tr>
                                              Branche 23 (Investissement)<\/div><\/div><\/div><\/th>
                                              0,20% – 1%<\/div><\/div><\/div><\/td>
                                              N\u00e9ant<\/div><\/div><\/div><\/td><\/tr>
                                              Plan d’\u00e9pargne<\/div><\/div><\/div><\/th>
                                              N\u00e9ant<\/div><\/div><\/div><\/td>
                                              Maximum 40%<\/div><\/div><\/div><\/td><\/tr>
                                              Branche 26<\/div><\/div><\/div><\/th>
                                              0,10% – 0,35%<\/div><\/div><\/div><\/td>
                                              N\u00e9ant<\/div><\/div><\/div><\/td><\/tr>
                                              Assurance-d\u00e9c\u00e8s\/assurances
                                              \nReveu garanti<\/div><\/div><\/div><\/th>
                                              N\u00e9ant<\/div><\/div><\/div><\/td>
                                              N\u00e9ant<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

                                              Mentions l\u00e9gales I. INFORMATIONS SUR NOTRE BUREAU WELLTEAM LASNE SA Si\u00e8ge social : Chauss\u00e9e de Louvain 431E, 1380 Lasne N\u00b0 entreprise : 0538.951.497 T\u00e9l\u00a0: 02 352 60 24 \u2013 Email : info@wellfin.be (mailto:info@wellfin.be) Notre soci\u00e9t\u00e9 est inscrite au registre des interm\u00e9diaires d\u2019assurances et de services financiers sous le num\u00e9ro 112212A, dans la cat\u00e9gorie des courtiers. 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