Dutch Financial Supervision Act Service Guide

Dutch Financial Supervision Act

Here you will find information about our general information, opening hours, services and where you can go for questions and complaints. Below you will find the complete text of our financial services document.

If you have any questions after reading the text below, please contact us. Our contact page lists the phone number where we can be reached.

About us
Harmony is a leading specialist in the field of insurance of products, especially mobile phones, laptops and tablets. But we also manage other forms of product insurance.

Harmony has all the necessary tools at its disposal, from sales support to total claims processing. Harmony consists of Harmony Financial Services B.V., Harmony Service Center B.V. and TOMO Insurance Services B.V. Together we supply all insurance contracts under the name ‘Harmony’ and carry out the management of all policies.

 

Name and address
Harmony Financial Services B.V
Postbus 21460 3001 AL Rotterdam, The Netherlands

 

Contact methods
We can be reached in the following ways:

Telephone: see contact page
Email: info@harmony.nl
Harmony Website: www.harmony.nl/en/

 

Telephone line opening times:
Harmony can be reached from Monday to Friday between 8.30am and 6pm.

 

Affiliations and registrations
Harmony is affiliated with various organisations, such as:

  • Netherlands Authority for the Financial Markets (AFM)
  • Financial Services Complaints Tribunal (Klachteninstituut Financiële Dienstverlening: Kifid)
  • Dutch Chamber of Commerce (KvK)

 

The Dutch Authority for the Financial Markets (AFM)
The AFM supervises the expertise and integrity of the services of financial advisers on behalf of the government. Registration with the AFM is a legal obligation to be able to mediate in the insurance sector.

We are registered with the AFM under number:

  • Harmony Financial Services B.V. is registered as an insurance broker, licence number 12004420.
  • Harmony Service Center B.V. and TOMO Insurance Services B.V. are registered as affiliated businesses of Harmony Financial Services B.V.

 

Financial Services Complaints Tribunal (Kifid)
We do our utmost to provide you with the best possible service. If you have a complaint and cannot resolve it with us, you can ask the Financial Services Complaints Tribunal (Klachteninstituut Financiële Dienstverlening: Kifid) to deal with your complaint. We are registered with the Kifid under numbers:

  • Harmony Financial Services B.V. Our Kifid registration number is: 300.001913
  • Harmony Service Center B.V. and TOMO Insurance Services B.V. are registered as affiliated businesses of Harmony Financial Services B.V.

 

Chamber of Commerce (KvK)
We are registered with the KvK under the following numbers:

  • Harmony Financial Services B.V. is registered as an insurance broker, under Chamber of Commerce number 24316009.
  • Harmony Financial Services B.V. is registered as an insurance broker, under Chamber of Commerce number 24326348.
  • TOMO Insurance Services B.V. is registered as an insurance broker, under Chamber of Commerce number 55529372.

 

Professional liability insurance (BAVAM)
We are in possession of professional liability insurance. If you suffer damage or loss as a result of mistakes made by us, the professional liability insurer will compensate you for this damage or loss.

 

Our services
We have been authorised by the Netherlands Authority for the Financial Markets to advise and mediate in financial products and services of various providers. Below you can read how we can be of service to you.

 

Non-life insurance
Harmony is a leading specialist in the field of insurance of various products and provides all services, such as composition of the insurance product, sales and marketing support, policy administration, premium collection and claim handling of non-life insurance policies. Our employees put accessibility, speed and customer-friendliness first.

 

Privacy
We process personal data on behalf of the insurers. We require these data in order to conclude the insurance contract and as part of our further performance of the insurance contract (such as: risk inspection, premium collection and handling of claims). In addition, data are also processed in order to comply with laws and regulations, and to protect our own legitimate interests and those of third parties (such as: for marketing purposes, to tackle insurance fraud and other forms of insurance crime, statistical analyses). We may also process special categories of personal data and personal data relating to criminal convictions and criminal offences.

Any personal data we obtain from you may be provided to third parties as part of the performance of the insurance contract and/or for the services we provide (such as: experts, repair companies, investigation agencies, service providers, supervisory bodies, the police and the judicial authorities).

The processing of your personal data is subject to our privacy statement. You can read this at: www.harmony.nl/en/privacy-statement/.

You have the right to be informed about which of your personal data we have processed. Under certain conditions, you may ask us to correct your personal data, supplement it or have it removed. In addition, you have the right to limit the processing in certain cases. In some cases, you may obtain the personal data you provided to us in a structured, commonly used and machine-readable format.

With regard to the processing of personal data by us, we act as a ‘Data Controller’ within the meaning of the GDPR. The supervisor for the processing of personal data by us is the Data Protection Authority, Postbus 93374, 2509 AJ The Hague.

 

What do we expect from you?
We provide optimal financial services. For that purpose, we also ask a number of things of you.

Accurate and complete information
Our advice depends on the correctness of any information you provide us. This is in your best interest. If you provide false information, we may terminate the policy immediately. We may also require you to repay any benefits already paid. You shall not be entitled to premium refunds. In addition to this, we may take legal action.

Reporting changes
If your personal situation changes or there are changes in relation to insured items, we expect you to notify us. This is important, for example, to prevent important risks from remaining uninsured.

 

Contacts with insurer
We maintain all contacts with the insurer. If you wish to contact the insurer yourself, we will inform the insurer of this. You are kindly requested to inform us of any direct communication with the insurer and the results thereof.

 

Verification of documents forwarded
We ask that you yourself always check the policies and other documents sent for correctness and whether they have been drawn up in accordance with your wishes. Any inaccuracies and errors should be reported to us as soon as possible.

 

The premium
The premium (monthly or otherwise) is collected from your account by means of a direct debit, unless otherwise agreed. If the premium cannot be collected or cannot be collected on time, there is no right to compensation. You are at all times responsible for paying the premiums on time and in full for the insurances you have taken out. Harmony is therefore not liable for the consequences of late payment, insufficient payment and/or non-payment of current insurances.

 

Harmony debt collection
When you take out your insurance, you give Harmony Financial Services B.V. a standing order. After collection of the monthly premium, you then have 56 days to reverse the amount. You can do this at your bank. If the premium cannot be collected, or if you have reversed the amount, there is no right to compensation. In case of a claim, the excess will be debited from your account by means of a direct debit.

 

Arrangements concerning premium payment
It is important that you pay the premiums on time. If you do not pay the premiums on time, the insurance company may, in certain circumstances, refuse to pay out in the event of a claim. In that case, the premium owed can also be collected by the court. The associated costs may be charged to you. If the terms and conditions entitle you to full or partial reimbursement of the premium, we will, at your request, contact the insurance company on your behalf.

 

Our relationship with insurers
No financial institution, such as a bank or an insurance company, has any ownership interest or control over our company. We do have a power of attorney from Rosemont Insurance Company Limited.

 

How are we remunerated?
In order to be able to provide our services, we incur operating expenses. These include salaries, accommodation costs, training and permits. Our office has chosen to make our costs part of the price of the product. In the case of insurance, this is the premium. You pay the premium directly to the insurance company. The latter then pays a portion of this to us to cover our operating costs. If you have paid the premium, you have also paid for our services.

 

If you have a complaint:
We look after your interests in the field of financial services as well as possible. But we too can make mistakes. And that could lead to you having a complaint.

We attach great value to the service we provide you. If you have any questions about your policy, please contact our administrator. Make sure that you have your policy number available, which will allow them to answer your question quickly. If we do not meet your expectations and you are dissatisfied, we would like you to tell us. In order to answer your question as efficiently as possible, we recommend following the guidelines below.

  • Step 1. Please contact us by post or telephone: Harmony Service Center B.V., Postbus 21460, 3001 AL Rotterdam, The Netherlands, +31 (0)10 206 86 78.
  • Step 2. If you are still dissatisfied with the way in which your question was handled, you may contact us via Rosemont Insurance Company Limited, registered on the Isle of Man under number 88315C. Its registered office is located at Level 2 Samuel Harris House, 5-11 St Georges Street, Douglas, Isle of Man, IM1 1AJ, British Isles.
  • Step 3. If you believe that both companies failed to answer your question adequately, you may ask the Financial Services Complaints Tribunal Kifid) to take your complaint into consideration. Harmony Service Center B.V. is registered with this independent conciliation body as a company affiliated with Harmony Financial Services B.V., with registration number 300.001913. The Financial Services Complaints Tribunal (Kifid) can be contacted at the following address: Postbus 93257, 2509 AG The Hague. The Kifid will decide on the admissibility of the complaint and the way in which it is to be dealt with.

If you are unwilling or unable to make use of these complaints handling options, you may submit the dispute to the competent court.

 

Termination of relationship
You may terminate your policy after the minimum term of the contract with due observance of the notice period. You must inform Harmony Financial Services B.V. of this.