Website Terms of Use

I. Responsible Publisher

The publisher responsible for the site is the asbl Association Professionnelle des Courtiers en assurance au Luxembourg (APCAL), whose registered office is at L-1537 Luxembourg, Rue des Foyers, 3 and registered with the Trade and Companies Register under number F9338.

II. Acceptance of terms and conditions

We invite you to carefully read the general terms and conditions of use for our site, which are referenced by hyperlink on each page of the site. By using the website, you accept them without any reservation.

These conditions are subject to change, so we advise you to consult them regularly. The use of the site after changes to these terms and conditions of use have been made means that you agree to these changes. –

III. Use of the site

The content of this website is provided to you for general information purposes only about the APCAL and its activities. The content of this site may only be used as part of the services offered on this site and for your personal use.

IV. Unlawful or prohibited use

You agree to use this site in compliance with laws, legal and contractual notices. You may not use it in any way that would prejudice the interests of APCAL and/or its members.

V. Guarantees and limitations of liability

Use of this website is under your responsibility as a user. All items downloaded or obtained while using the service are at your own risk. You will be solely liable for any damage suffered by your computer or any loss of data as a result of downloading these items.

This service is provided to you on the basis of a ‘as is’ service and accessible according to its availability. APCAL cannot guarantee that this service will be uninterrupted, timely, secure or error free, that the results obtained by using the service will be accurate and reliable, that defects in the software used, if any, will be corrected.

APCAL shall use all reasonable means to publish on the website information which, to the best of its knowledge, is up to date. The APCAL does not guarantee the adequacy, accuracy or completeness of such information nor does it guarantee that the site will be continuously complete and updated in all respects. The information contained on this site may include inaccuracies in content, technical inaccuracies or typing errors. This information is for information purposes only and is subject to periodic changes.

This website contains hyperlinks to other websites as well as references to other sources of information. These links and sources of information are for information purposes only. The APCAL does not control the information contained therein. It cannot therefore guarantee the quality and/or completeness of this information.

In general, APCAL cannot, under any circumstances, be held liable for any direct or indirect damage, or any other damage of any kind, resulting from the use of this site or the impossibility of using it for any reason, whether or not this liability is contractual, tort or quasi tort, or whether it is based on no fault or other liability, even though APCAL would have been prevented from the possibility of such damage. APCAL shall not in any way be held responsible for the actions of Internet users.

VI. Contact

You may send your comments, suggestions or any other comment by sending an email to the following address: or by mail to the following address: APCAL ASBL, L-1537 Luxembourg, Rue des Foyers, 3.

VII. Intellectual property rights

All the elements accessible on this site and their compilation and layout (texts, photographs, images, icones, software, database, data, etc.) Are protected by APCAL’s intellectual property rights.

Except as expressly stated, you may not, under any circumstances, copy, reproduce, represent, modify, transmit, publish, adapt, distribute, distribute, licence, transfer, sell, on any medium, by any means, or exploit in any way, all or part of this site without the prior written permission of APCAL.

VIII. Protection of personal data

The use of this site may result in the processing of personal data by APCAL. We invite you to consult our Privacy Notice.

IX. Accessibility and compatibility

Particular attention has been paid to compliance with compatibility standards.

The website is designed for consultation on the main IT platforms (Windows, Mac OS and Linux). Recent browsers are also borne in the most common resolutions.

X. Dispute settlement, jurisdiction and applicable law

These terms of use are governed by Luxembourg laws. Any dispute arising out of or relating to the use of this service will be settled between parties. If the conciliation fails, the dispute will be subject to the jurisdiction of the courts of Luxembourg City.

A printed version of this agreement and any warning notices issued in electronic form will be accepted in any legal or administrative proceedings arising out of or related to this agreement, on the same basis and under the same conditions as other business documents and registers created and maintained in printed form.