WFT Service Indicator
As of 1 January 2006, the Financial Supervision Act (WFT) has been in force within the insurance sector. The WFT requires that, before signing a contract, we provide consumers with a full insight into the services to be offered to them. In this service guide, we inform you about Harmony Service Center (HSC) and Harmony Financial Services (HFS).
Here, you can find general details about us, opening times, services provided and also details of how you can file a complaint. The full text of our service guide is provided below, and if, after reading this, you still have any questions, we would kindly ask you to contact us. Our telephone numbers can be found on the Contact page.
Who are we?
Harmony Financial Services is a leading specialist in the area of insuring retail products, and we have all the necessary tools in place to do this. From sales support up to and including the settlement of claims, HFS, together with its subsidiary, Harmony Service Center B.V., provides all the necessary administrative services.
Name and address
HARMONY FINANCIAL SERVICES BV
Postbus 30155
3001 DD Rotterdam
HARMONY SERVICE CENTER BV
Postbus 21460
3001 AL Rotterdam
Accessibility
You can contact us in the following ways:
Telephone: see Contact page
E-mail: info@harmonyfs.com
Website: www.harmonyservicecenter.nl
Telephone availability:
You can call the Harmony Service Centre on workdays between 08.30 and 18.00.
Memberships and registrations
Harmony is affiliated to various organizations, including
• Netherlands Authority for the Financial Markets (AFM)
• Financial Services Complaints Board (KiFiD)
• Chamber of Commerce (KvK)
Netherlands Authority for Financial Markets (AFM)
On behalf of the government, the AFM works to monitor the expertise and integrity of services provided by financial advisors. This registration is a legal obligation in order to operate as an insurance broker.
We are registered with the AFM under the following numbers:
• Harmony Financial Services B.V. is registered as an insurance brokerage company under license number 12004420.
• Harmony Service Center B.V. is registered as an insurance brokerage company under license number 12004435.
Financial Services Complaints Board (KiFiD)
We always do our utmost to provide the best possible service. We are registered with the Kifid under the following numbers:
• Harmony Financial Services B.V. Kifid affiliation number: 300.001913
• Harmony Service Center B.V. Kifid affiliation number: 300.001926
Professional Liability Insurance (BAVAM)
We have professional liability insurance. If you suffer damage yourself as a result of errors or mistakes on our part, the professional liability insurer will reimburse these costs.
Chamber of Commerce (KvK)
We are registered at the Chamber of Commerce under numbers:
• Harmony Financial Services B.V. is registered as an insurance brokerage company, Chamber of Commerce (KvK) number 24316009.
• Harmony Service Center B.V. is registered as an insurance brokerage company, Chamber of Commerce (KvK) number 24326348.
Our services and service provision
The Netherlands Authority for Financial Markets has granted us the authority to advise on, and broker, the products of various providers. The following explains how we can be of service to you.
Damage Insurances
Harmony Financial Services is a leading specialist in the area of insuring retail products, and together with its subsidiary Harmony Service Center B.V, provides a full range of services such as constructing the product, sales and marketing support, policy administration, premium collection and damage claim settlement. The priorities of our staff are accessibility, speed and customer friendliness.
Privacy
The personal data on the certificate, and any other details you provide to us, will be included in a personal document, which will be maintained and updated by ourselves and our administrator. This document is subject the Personal Information section of the Dutch Data Protection Act (Wpg). HSC will always treat your personal information with the utmost care, and in accordance with the Data Protection Act.
The data provided by you is required in order to process your insurance certificate and to effect the execution of the contract. In doing this, your personal data will be processed in a way that your privacy is protected and safeguarded as effectively as possible. You can always request a summary of the personal details we are using, by sending a written request together with a copy of an identification document, such as your driving license or passport, to:
Harmony Service Center B.V.
Afdeling Polisadministratie
Postbus 21460
3001 AL Rotterdam
You will be charged € 4.50 administration costs for the provision of this overview.
If the overview contains inaccuracies, you can submit a request to have the data corrected, amended, deleted or protected. If you would prefer Harmony Service Center not to contact you with information on their products and services, you can inform us of this in writing.
What do we expect from you?
We aim to provide an optimum level of financial service provision, and in order to achieve this, we also ask a few things of you.
Correct and complete information disclosure
In order to be able to advise you effectively, we depend on the information that you provide as being correct. It is in your own interests to do this, as we can immediately terminate the policy, should you provide us with wrong or misleading information, and we may also demand that you repay any monies paid out in settlement of claims. You will not be entitled to reimbursement of your premiums and, in addition, we may have to take legal action.
Informing us of any changes
If your personal situation changes, or changes occur in relation to your insured items, we expect you to pass this information onto us. This is important, for example, to avoid the significant risks involved if you become uninsured. If you inform us of anything by telephone, you must also confirm this in writing via the post, fax or an e-mail.
Contact with the insurer
We maintain all contacts with the insurer, and if you should wish to contact the insurer yourself, we shall inform the insurer of this. We would like to be kept informed of any direct communication you have with the insurer, and the results of the contact.
Checking submitted documents
We ask that you check any policies or other documents that we send to you, both for accuracy and to ensure they have been drawn up in accordance with your requirements. You should inform us of any inaccuracies and/or errors as soon as possible.
The premium
The monthly premium will be collected via a direct debit from your account. If the premium is not received, or not received on time, you will have no entitlement to damage reimbursement. You are always fully responsible for prompt and full payment of the premiums for the insurances you have taken out, and Harmony Service Center is, therefore, not liable for the consequences of late payment, insufficient payment and/or non-payment of insurances in force.
Harmony Service Center premium payment collection
When registering for the insurance package, you provide Harmony Service Center with a direct debit instruction form. Once the monthly premium has been collected, you have 30 days to reverse the payment. Your bank can do this for you. If the premium cannot be collected, or if you have reversed the payment, there is no entitlement to damage reimbursement. In the event of damage, the own risk excess will be debited from your account via a direct debit.
Agreements in relation to premium payment
It is vital that you pay your premiums on time. If the premiums are not paid on time, in certain circumstance, the insurance company may refuse to reimburse damage costs. The relevant premium can also subsequently be legally collected and corresponding costs may also be passed onto you. If, according to the relevant conditions, you are entitled to full or partial premium refund, we shall, at your request, contact the insurance company and take care of this on your behalf.
Our relationship with the insurers
Our office places its financial products with two financial institutions, and we are, therefore, limited in terms of the advice we can provide. No financial institution, such as a bank or an insurance company, has an ownership interest or any authority within our company. The resulting freedom this gives our business allows us to provide you with advice of what we deem to be important for you.
How are we remunerated?
In order to be able to provide our services, we incur business costs, which include salaries, accommodation, training and licenses. These costs are compensated for in various ways, and our office has opted to make these costs part of our product price. For insurances, this is the premium, which you pay directly to the insurance company or financier. They then pay us part of this premium to cover our business costs, so if you have paid your premium, you have also paid for our services.
If you have a complaint:
We serve your interests in the area of financial services as effectively as possible. We can, however, also make mistakes, and these may lead to you wanting to lodge a complaint.
First, tell us about your complaint
If you have a complaint, we would kindly request you to firstly inform the senior management in our office. We shall then do our utmost to resolve your complaint to your full satisfaction.
You may then refer to the Complaints Institute
If we cannot resolve the complaint together, you can always contact the Financial Services Complaints Board (Stichting Klachteninstituut Financiële Dienstverlening), an independent association which will further assess your complaint.
In order to do so, you can contact:
KiFiD
Postbus 93257
2509 AG DEN HAAG
Telephone number: 0900-klacht, or 0900-3552248
E-mail: info@kifid.nl
Website: www.kifid.nl
You can also take the matter to the civil courts.
Termination of relationship
Once the minimum contract period has expired, you may terminate your policy, taking due account of the requisite notice period. You must inform the Harmony Service Center of this in writing.
