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Advertising and information for financial products

This information is provided by

Netherlands Enterprise Agency, RVO

If you advertise complex financial products, you must include a risk indicator (risicometer) and a warning statement. This statement reads: 'Loop geen onnodig risico. Lees de Essentiƫle Beleggersinformatie'. You are obliged to use the warning statementsExternal link (in Dutch) provided by the Netherlands Authority for the Financial Markets (Autoriteit Financiƫle Markten, AFM). At present, a ban on advertising for certain high-risk financial productsExternal link in the Netherlands is being prepared. The AFM is authorised to determine to which products this will apply.

Advertising credit services

If you advertise for credit services, you must be clear about the cost of the loan and mention the highest interest rate. You are not allowed to advertise with promotional rates. You must also include a warning statement and symbolExternal link (in Dutch) in the advertisement. You are obliged to use AFM's texts and illustrations for advertising in newspapers, on the internet, radio and television. These texts and illustrations can be download from the AFM's website.

Financial information

You must also provide your customers with proper informationExternal link. This information is drawn up according to a fixed format. You will find examples of such information in the Service provision document (Dienstverleningsdocument (DVD)External link (in Dutch) provided by AFM. For many investment and insurance products with investment elements (Packaged Retail and Insurance-based Investment Products, PRIIP) an Essential information document (Eid)External link (in Dutch) must be supplied to consumers. The information must contain product information such as:

  • The aim of the product.
  • How the product works.
  • The risks associated with the product.
  • The availablity of a cancellation procedure and its financial consequences.
  • The consequenses of the purchaser's death
  • The cost of the product.
  • The product's returns (with examples).

This article is related to:

This information is provided by

Netherlands Enterprise Agency, RVO