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EM Makelaars Transparency Statement
At EM Makelaars, we are committed to providing our clients with clear and transparent information regarding our business practices and how we are compensated. This transparency is fundamental to building trust and ensuring a fair partnership with our clients.
Our Ethical Commitments:
Ethical Practices: We conduct our business according to the highest ethical standards. We clearly define the terms of our engagement with clients, including our role and responsibilities.
Disclosure of Compensation: We are transparent about our compensation from insurers and other third parties. Upon request, and in accordance with local laws and regulations, we provide our clients with details about the compensation we receive.
Management of Conflicts of Interest: We handle potential conflicts of interest with integrity. Our client's interests always come first in all our business dealings.
How We Are Compensated: Our compensation may come in various forms, depending on the services provided:
Fee Arrangements: Clients may opt to pay a direct fee for our services, which may be in addition to or instead of commissions from insurance companies. The specifics of these arrangements are detailed in the contract for services.
Commissions: We may receive commissions from insurance providers. These are typically calculated as a percentage of the insurance premium and may vary by the type of insurance product and the insurer.
Alternative Commissions and Bonuses: In addition to standard commissions, we may negotiate other forms of commission based on the volume, retention, or growth of the insurance portfolio we manage.
Insurer Services Revenue: For certain specialized services we provide to insurers, such as consulting or data analytics, we may be compensated through fees or commissions based on the premiums.
Other Compensation: We may receive other forms of compensation, such as payments for participation in insurer-sponsored events, earnings from handling client funds, or referral fees from third parties.
Client Information and Data Use:
We may use data from our clients’ insurance programs for benchmarking, modeling, and analytics to enhance service delivery and develop better products. All client data used for these purposes is anonymized to protect confidentiality.
Requesting Compensation Details: Clients are welcome to request detailed information about how we are compensated. This information will be provided in accordance with local regulations and contractual agreements.
Related Party Transactions: We disclose any ownership interests or affiliations with insurers or other entities that could affect our neutrality or objectivity.
Contact Us: For any inquiries about our transparency and disclosure practices or to request more detailed information on our compensation, please contact your usual EM Makelaars representative.
Conclusion: At EM Makelaars, we believe that transparency fosters trust. We are dedicated to maintaining the highest standards of integrity and openness in all our client interactions.