General terms and conditions

1. Purpose & scope

These general terms and conditions (GTC) govern the relationship between ASSUR TOI (SIREN 102419199) and its clients for all insurance brokerage, risk management consulting and operations ancillary to insurance. Any order for a service implies their unreserved acceptance.

2. ASSUR TOI's capacity

ASSUR TOI acts as an insurance intermediary (broker), registered with ORIAS (N° ORIAS : ). The broker is not the insurer: insurance contracts are concluded between the client and the chosen insurer. ASSUR TOI does not carry the risk.

3. Duty to inform & advise

ASSUR TOI gathers the information needed to analyse the client's needs and requirements, formulates suitable recommendations and provides, before conclusion, the pre-contractual information required by the French Insurance Code and the IDD directive, notably on remuneration (see remuneration transparency). The client's answers are deemed accurate; any inaccurate statement may affect the cover.

4. Remuneration

Services are remunerated either by commissions paid by insurers, or by fees agreed with the client, or by a combination of both, according to the terms set out in the proposal or the mandate. Consulting fees are invoiced in accordance with the agreed terms.

5. Client's obligations

The client undertakes to provide complete and accurate information, to notify claims within the deadlines, and to comply with the obligations of the policies taken out. The client is solely responsible for the accuracy of the information provided to insurers.

6. Complaints & mediation

Any complaint is handled according to the procedure described on the Compliance — Complaints & mediation page, including the possibility of referring the matter to the Insurance Mediator (Médiation de l'Assurance).

7. Liability

ASSUR TOI is covered by professional indemnity insurance and holds a financial guarantee in accordance with the regulations (see Professional liability & financial guarantee). Its liability is engaged under the conditions of ordinary law and of the agreements concluded.

8. Personal data & confidentiality

Data is processed in accordance with the privacy policy. ASSUR TOI undertakes to maintain strict confidentiality of the information entrusted to it within the scope of its mandates.

9. Applicable law & jurisdiction

These GTC are governed by French law. In the event of a dispute, and after an attempt at amicable resolution, the French courts have jurisdiction.