English – Terms and Conditions of Use – Finkro

Article 1. Definitions

In these Terms and Conditions of Use, the following words or groups of words shall have the meaning defined in this article. The definition given in the singular also applies when the word is used in the plural, and vice versa.

• Terms and Conditions of Use: this document.

• Website: the website www.finkro.com and any mobile application operated by Finkro.

• User: any person using the Website for any purpose.

• Owner: the company Finkro, with registered office at Mollestraat 16, 1730 Asse, Belgium, registered with the Crossroads Bank for Enterprises under number 0743.417.502.

• Account: the personal space created by the User upon registration.

• Service: all services offered by Finkro and accessible through the Website.

Article 2. Purpose

The purpose of this document is to determine the general terms and conditions of use of the Website. The User undertakes to use the Website with prudence, diligence, and in compliance with legal provisions at the national and international level.

Article 3. Acceptance

The use of the Website implies full and unconditional acceptance of these Terms and Conditions of Use. If the User does not accept these Terms and Conditions, they must leave the Website immediately.

Article 4. Content of the Website and modifications

The Website is updated regularly. Finkro strives to provide accurate information but cannot guarantee its reliability, completeness, or timeliness. Finkro reserves the right to modify the content of the Website or these Terms and Conditions of Use at any time and without prior notice.

Article 5. Account creation

Access to certain Services requires the creation of an Account. The User must provide accurate information and keep it up to date. The username and password are strictly personal and confidential.

Article 6. Legal capacity

The User declares that they are of legal age and legally capable. Minors must obtain the authorization of their legal representative.

Article 7. Use of the Website

The User undertakes to:

• not infringe the legislation in force,

• not disrupt the operation of the Website,

• not transmit viruses or illegal content,

• respect the rights of third parties,

• not use the data of the Website for promotional purposes without authorization.

Article 8. Obligations of the User

The User must comply with the rules displayed on the Website. In the event of a breach, Finkro may suspend or delete the User’s Account.

Article 9. Suspension or deletion of the Account

Finkro reserves the right to suspend or delete an Account in case of non-compliance with these Terms and Conditions of Use, without notice or compensation.

Article 10. Intellectual property

The content of the Website (texts, images, logos, software, etc.) is protected by intellectual property laws. Any reproduction or use without prior written authorization is prohibited.

Article 11. Disclaimer

The information provided on the Website may contain errors or omissions. It is provided for informational purposes only and does not constitute a guarantee. The User is invited to verify with a professional before making any important decision.

Article 12. Personal data

The personal data of Users are collected and processed in accordance with the Privacy Policy available on the Website.

Article 13. Liability

Finkro cannot be held liable in the event of:

• malfunction or interruption of the Website,

• Internet network failures,

• propagation of viruses despite security measures,

• inappropriate use of the information on the Website.

Article 14. Expertise and Counter-Expertise

Scope
Finkro provides expertise and counter-expertise services for claims (fire, water damage, floods, storms, theft, vandalism, etc.), assisting both individuals and companies.

Fee coverage
Unless otherwise agreed, Finkro’s fees are fully covered by the insurance company. The insured does not have to advance any costs.

Legal references
Finkro’s expertise and counter-expertise missions are carried out in accordance with:

• the Insurance Code (Law of April 4, 2014 and implementing decrees),

• the Civil Code,

• the Code of Economic Law,

• professional practices recognized in the sector.

Code of conduct
Finkro’s experts and counter-experts undertake to:

• act with independence and impartiality,

• guarantee the confidentiality of data,

• provide clear and objective reports,

• defend exclusively the interests of the insured,

• comply with reasonable and proportionate deadlines.

Liability
Finkro operates under an obligation of means. The final compensation depends on the decision of the insurance company.

Article 15. Information on the Website

The descriptions of the Services appearing on the Website are indicative. Finkro cannot be held liable in case of inaccuracies.

Article 16. Comments and forum

If the Website allows the publication of comments, the User undertakes to comply with applicable legislation and not to post defamatory, discriminatory, or unlawful content.

Article 17. Hyperlinks

The Website may contain links to third-party sites. Finkro has no control over these sites and declines any responsibility for their content.

Article 18. Cookies

The Website uses cookies in accordance with the Cookie Policy available online.

Article 19. Miscellaneous provisions

If any clause of these Terms and Conditions of Use is declared null, the other provisions shall remain valid. The fact that Finkro does not enforce a clause shall not be considered as a waiver of its right.

Article 20. Applicable law and competent jurisdiction

These Terms and Conditions of Use are governed by Belgian law.
Any dispute relating to their performance or interpretation shall fall under the exclusive jurisdiction of the Dutch-speaking courts of the Judicial District of Halle-Vilvoorde (Flanders), Belgium. The language of the proceedings shall be Dutch.