On this page
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 Essentiële Beleggersinformatie' You are obliged to use the warning statements (Dutch) provided by the Netherlands Authority for the Financial Markets (Autoriteit Financiële Markten, AFM). In the near future, advertising for certain high-risk financial products will no longer be allowed in the Netherlands. 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. You are not allowed to advertise with promotional rates. You must also include a warning statement and symbol (Dutch) in the advertisement. You are obliged to use AFM's texts and illustrations for the various media. You can download them from their website.
Financial information leaflet
You must also provide your customers with a financial information leaflet (Dutch). This information leaflet is drawn up according to a fixed model. You will find financial information leaflets in the Register of financial information sheets (Dutch) provided by AFM. The information leaflet must contain the following product information:
- 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).