Conflicts of Interest Policy

Our firm operates a policy for managing conflicts of interest in the provision of insurance intermediation services.

Which conflicts of interest?

As part of our conflicts of interest policy, our firm has identified the potential conflicts of interest existing within it. Conflicts of interest may arise between (i) our firm and the persons connected to it and a client, or (ii) between several clients. The conflicts of interest policy takes account of the characteristics specific to our firm.

When assessing possible conflicts of interest, our firm has listed the situations in which there is a material risk that the client's interests may be harmed. Specifically, these are situations in which:

• a gain is made or a loss is incurred at the client's expense;
• our firm has a different interest in the outcome of the service or transaction;
• our firm has a financial incentive to favour certain clients or to treat them differently;
• the same activity as the client's is carried on;
• our firm receives remuneration from a person other than the client for the insurance intermediation services provided.

What measures does our firm take?

Our firm takes numerous measures to ensure that the client's interest prevails. These include the following:

• an appropriate internal organisation that ensures an effective conflicts of interest policy;
• a consistent application of the assessment of each client's needs and capabilities;
• a suitable remuneration policy for the persons connected to our firm;
• a policy ensuring that our firm and the persons connected to it are aware of the conduct of business rules;
• a policy reserving our firm the right, in the absence of a concrete solution to a specific conflict of interest, to decline the requested service for the sole purpose of protecting the client's interests;
• a policy on the receipt of benefits in kind and gifts;
• a policy ensuring that all information provided by our connected persons is fair, clear and not misleading.

Where necessary, our firm's conflicts of interest policy will be adapted and/or updated.

If there are insufficient guarantees as to the effectiveness of our conflicts of interest policy, you will be informed of the (potential) conflict of interest so that you can make an informed decision.

Obtaining the full policy

You have the right to request a copy of the full conflicts of interest policy. You can contact us at the following email address: iceassurances@yahoo.fr.

See also our Remuneration Policy.