Documents offers
Document format
Document packs are supplied in Word and/or PDF format.
Ordering and payment
Orders are placed by filling in the forms via the “order” buttons below, and payments are made by bank transfer on receipt of the invoice after delivery.
Updates to IDD documents
Last review in 2023 (particularly in relation to ESG requirements and LC 22/22)
The packs will be updated regularly, ideally once a year if necessary.
Once the pack has been purchased, subsequent charges are calculated on the basis of the proportional share of the legal costs invested for the update.
Pre-contractual documents Basic IDD :
Life or non-life documents :
- APCAL member: €500/office
- Non-member: €2,000
Life and non-life documents :
- APCAL member: 750€/office
- Non-member: €3,750
IARD documents in English :
- Member: €200
IARD documents in German :
- Member: €200
Pre-contractual IDD documents for 5 FOS LIFE Markets:
- France, Belgium: reviewed in 2023
(particularly with regard to ESG requirements and LC 22/22). - Portugal: reviewed in 2023
- Italy: reviewed in 2023
(including ESG requirements). - Spain: 2019 edition
Billing table for pre-contractual documents :
Number of documents / country purchased. |
Unit price. |
Total invoiced price. |
1 | 1.000 | 1.000 |
2 | 750 | 1.500 |
3 | 666 | 2.000 |
4 | 625 | 2.500 |
5 | 600 | 3.000 |
Practical guides and procedures reserved to APCAL Members : 250€ per unit
AML procedures :
- “International Economic and Financial Sanctions” Procedure (FR/EN) Author : Me Marjorie Binet – Binet Legal.
- “AML/CFT and Intermediation Resumptions ‘LC22/22′” Procedure (FR/EN) Author : Lorenzo Stipulante – KPMG.
Valuable practical guides:
- CAA’s “Best Practices for AML Control” Guide. Author : Arendt & Medernach.
- STIBBE’s SFDR Guide (FR and/or EN) Author : STIBBE Avocats.
- “Global AML Risk Assessment” : standard version of the Risk Based Approach applicable to all brokerage firms. Author : Lorenzo Stipulante – KPMG
Internal office procedures :
- “Training” Procedure (FR/EN)
- “Complaint Handling” Procedure (FR/EN)
IDD Tool Box (for Members only) :
APCAL is making the following 6 tools available to its members free of charge, with an explanatory note and the policy itself in each case (except for tools 3 and 6). All in French and English.
- Tool 1: Conflicts of interest policy and register.
- Tool 2: Remuneration policy for personnel.
- Tool 3: Remuneration policy for partnerships.
- Tool 4: Policy on gifts and other benefits.
- Tool 5: Customer information – managing conflicts of interest.
- Tool 6: Complaints management policy and procedure.
To order documents, please send an e-mail to info@apcal.lu