{"id":4638,"date":"2022-05-30T13:54:57","date_gmt":"2022-05-30T11:54:57","guid":{"rendered":"https:\/\/apcal.lu\/documents-offers\/"},"modified":"2025-03-20T15:05:51","modified_gmt":"2025-03-20T14:05:51","slug":"documents-offers","status":"publish","type":"page","link":"https:\/\/apcal.lu\/en\/documents-offers\/","title":{"rendered":"Documents offers"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text ul_item_indent=&#8221;52px&#8221; admin_label=&#8221;Titre &#8211; Offre de documents&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; width=&#8221;80%&#8221; custom_margin=&#8221;||20px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Documents offers<\/h1>\n<p><strong><span style=\"color: #333333;\">The format of the documents<br \/><\/span><\/strong><span style=\"color: #333333;\">Document packs are provided in Word and\/or PDF format.<br \/><\/span><\/p>\n<p><span style=\"color: #333333;\"><strong>Order and payment<\/strong><br \/><span>Orders are placed by filling in the forms via the &#8220;order&#8221; buttons below,<\/span><span>and payments are made by bank transfer on receipt of the invoice after delivery.<\/span><br \/><\/span><\/p>\n<p><span style=\"color: #333333;\"><strong>IDD document updates<\/strong><br \/>Last review in 2023 (particularly with regard to ESG requirements and LC 22\/22)<br \/>Packs will be updated regularly, ideally once a year if necessary.<\/span><\/p>\n<p><strong><span style=\"color: #333333;\"><\/span><\/strong><span style=\"color: #333333;\">Once the pack has been purchased, subsequent charges are calculated according to the proportional share of the legal costs invested in the update.<\/span><span style=\"color: #333333;\"><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(22,36,127,0.13)&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;10px|10px|10px|10px|false|false&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><span style=\"text-decoration: underline;\">IDD basic pre-contractual documents :<\/span><\/h3>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6Ijg5NzEifX0=@&#8221; button_text=&#8221;Order&#8221; button_alignment=&#8221;right&#8221; _builder_version=&#8221;4.20.4&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_border_color=&#8221;#16247F&#8221; button_use_icon=&#8221;off&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#16247F&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_letter_spacing__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;11px&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;documents pr\u00e9contractuels de base&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;|||30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Life or Non Life documents <\/strong><\/p>\n<ul>\n<li>APCAL Member: 500 \u20ac\/office.<\/li>\n<li>Non-member : 2.000\u20ac<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;documents pr\u00e9contractuels de base&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;|||30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Life and Non Life documents<\/strong><\/p>\n<ul>\n<li>APCAL Member : 750\u20ac\/office<\/li>\n<li>Non-member : 3.750\u20ac<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;documents pr\u00e9contractuels de base&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;|||30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Non Life documents in English<\/strong><\/p>\n<ul>\n<li>Member : 200\u20ac<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;documents pr\u00e9contractuels de base&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;|||30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Non Life documents in German<\/strong><\/p>\n<ul>\n<li><span style=\"font-size: 16px;\">Member : 200\u20ac<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(22,36,127,0.13)&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;10px|10px|10px|10px|false|false&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><span style=\"text-decoration: underline;\">IDD Life FoS 5 markets pre-contractual documents (Members only) :<\/span><\/h3>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6Ijg5NTcifX0=@&#8221; button_text=&#8221;Order&#8221; button_alignment=&#8221;right&#8221; _builder_version=&#8221;4.20.4&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_border_color=&#8221;#16247F&#8221; button_use_icon=&#8221;off&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#16247F&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_letter_spacing__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;11px&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Documents pr\u00e9contractuels IDD 7 march\u00e9s Vie LPS &#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;|||30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>France, Belgium: reviewed in 2023<br \/>(particularly with regard to ESG requirements and LC 22\/22).<\/li>\n<li>Portugal: reviewed in 2023<\/li>\n<li>Italy : reviewed in 2023<br \/>(including ESG requirements).<\/li>\n<li>Spain : 2019 edition <\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Tableau de facturation des documents pr\u00e9contractuels&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Billing table for pre-contract documents :<\/h4>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;tableau&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|600|||||||&#8221; header_3_font_size=&#8221;12px&#8221; max_width=&#8221;600px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#7886A2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<table style=\"border-collapse: collapse; height: 281px; width: 462px;\" border=\"1\">\n<tbody>\n<tr style=\"height: 97px;\">\n<td style=\"height: 97px; width: 234.113px;\">\n<h3>Number of documents \/ country purchased.<\/h3>\n<\/td>\n<td style=\"height: 97px; width: 100.925px;\">\n<h3>Unit price.<\/h3>\n<\/td>\n<td style=\"height: 97px; width: 117.762px;\">\n<h3>Total invoiced price.<\/h3>\n<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"height: 23px; width: 234.113px;\">1<\/td>\n<td style=\"height: 23px; width: 100.925px;\">1.000<\/td>\n<td style=\"height: 23px; width: 117.762px;\">1.000<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"height: 23px; width: 234.113px;\">2<\/td>\n<td style=\"height: 23px; width: 100.925px;\">750<\/td>\n<td style=\"height: 23px; width: 117.762px;\">1.500<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"height: 23px; width: 234.113px;\">3<\/td>\n<td style=\"height: 23px; width: 100.925px;\">666<\/td>\n<td style=\"height: 23px; width: 117.762px;\">2.000<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"height: 23px; width: 234.113px;\">4<\/td>\n<td style=\"height: 23px; width: 100.925px;\">625<\/td>\n<td style=\"height: 23px; width: 117.762px;\">2.500<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"height: 23px; width: 234.113px;\">5<\/td>\n<td style=\"height: 23px; width: 100.925px;\">600<\/td>\n<td style=\"height: 23px; width: 117.762px;\">3.000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(22,36,127,0.13)&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;10px|10px|10px|10px|false|false&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><span style=\"text-decoration: underline;\">Procedures and practical guides for Members only :<\/span><\/h3>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6Ijg5NzUifX0=@&#8221; button_text=&#8221;Order&#8221; button_alignment=&#8221;right&#8221; _builder_version=&#8221;4.20.4&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_border_color=&#8221;#16247F&#8221; button_use_icon=&#8221;off&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#16247F&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_letter_spacing__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;11px&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Guides pratiques&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Procedures :<\/h4>\n<ul>\n<li>Procedure &#8220;International economic and financial sanctions&#8221; (FR\/EN)<br \/>Author : KPMG.<\/li>\n<li>Procedure &#8220;Anti-money laundering and combating the financing of terrorism (AML\/CFT) (FR\/EN)\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Author : APCAL &#8211; Legal Department<\/li>\n<li>Procedure &#8220;Insurance product distribution organisation (&#8220;POG&#8221;)&#8221; (FR\/EN)\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Author : KPMG<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Guides pratiques&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Practical guides :<\/h4>\n<ul>\n<li>Best practice guide for CAA AML inspections.<br \/>Author : Arendt &amp; Medernach.<\/li>\n<li>SFDR STIBBE guide (FR\/EN).<br \/>Author : STIBBE lawyers.<\/li>\n<li>Document \u00ab <em>Global AML Risk Assessment \u00bb : <\/em> standard version of the Risk-Based Approach applicable to all brokerage firms.<br \/>Author : KPMG.<\/li>\n<li>GDPR <span>practical<\/span> guide (FR\/EN).\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Author : Christophe Buschmann \u2013 KPMG.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Proc\u00e9dures internes bureau de courtage:&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h4>Internal brokerage procedures :<\/h4>\n<ul>\n<li>&#8220;Training&#8221; procedure (FR\/EN)<\/li>\n<li>&#8220;Claims handling&#8221; procedure (FR\/EN)<\/li>\n<li>&#8220;Honorability&#8221; procedure (FR\/EN)<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(22,36,127,0.13)&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;10px|10px|10px|10px|false|false&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;IDD Tool Box (r\u00e9serv\u00e9 aux Membres)&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><span style=\"text-decoration: underline;\">IDD Tool Box (Members only) :<\/span><\/h3>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6Ijk0NTgifX0=@&#8221; button_text=&#8221;Access&#8221; button_alignment=&#8221;right&#8221; _builder_version=&#8221;4.20.4&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_border_color=&#8221;#16247F&#8221; button_use_icon=&#8221;off&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#16247F&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_letter_spacing__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;11px&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>APCAL makes 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.<\/h4>\n<p>&nbsp;<\/p>\n<ul>\n<li>Tool 1 : Conflict of interest policy and register.<\/li>\n<li>Tool 2 : Employee compensation policy.<\/li>\n<li>Tool 3 : Partnership remuneration policy.<\/li>\n<li>Tool 4 : Gifts and benefits policy.<\/li>\n<li>Tool 5 : Customer information &#8211; managing conflicts of interest.<\/li>\n<li>Tool 6 : Complaints management policy and procedure <\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; link_font=&#8221;||||on||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>To order documents, you can also contact us by e-mail at <a href=\"mailto:info@apcal.lu,\">info@apcal.lu<\/a><\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_module=&#8221;7130&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Sponsors Platinium&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|600|||||||&#8221; header_3_text_align=&#8221;center&#8221; custom_margin=&#8221;0px|0px|0px|0px|false|false&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Sponsors Platinium<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; admin_label=&#8221;Partners&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;10px||70px||false|false&#8221; custom_padding=&#8221;40px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; 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border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; admin_label=&#8221;Partners&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;10px||70px||false|false&#8221; custom_padding=&#8221;40px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/lombard-international-assurance.png&#8221; alt=&#8221;Logo&#8221; url=&#8221;https:\/\/www.lombardinternational.com\/&#8221; align=&#8221;center&#8221; admin_label=&#8221;Lombard&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/sogelife.png&#8221; alt=&#8221;Sogelife 2023&#8243; url=&#8221;https:\/\/www.sogelife.com\/fr\/&#8221; align=&#8221;center&#8221; admin_label=&#8221;Sogelife&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/apcal.lu\/wp-content\/uploads\/2024\/01\/swiss-life.png&#8221; alt=&#8221;Swiss Life&#8221; align=&#8221;center&#8221; admin_label=&#8221;Swiss&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px|0px|0px|0px|false|false&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Gold&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|600|||||||&#8221; header_3_text_align=&#8221;center&#8221; custom_margin=&#8221;0px|0px|0px|0px|false|false&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Sponsors Gold<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; 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_module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;|40px||40px|false|false&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/apcal.lu\/wp-content\/uploads\/2024\/04\/april-international.png&#8221; alt=&#8221;April international&#8221; url=&#8221;https:\/\/www.lamondiale.lu&#8221; align=&#8221;center&#8221; admin_label=&#8221;April&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;|40px||40px|false|false&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; 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