Ethics
Good Insurance Mediation Practice
As insurance intermediaries, the Company and its employees must always act in accordance with the Insurance Distribution Act, and thus in accordance with good insurance mediation practice, as well as supplementary regulations such as directives and general guidelines. Furthermore, the Company and its employees must always follow the statutes of the Swedish Association of Insurance Intermediaries (SFM), in which ethical rules constitute an important component.
As insurance intermediaries, the Company and its employees may only operate in accordance with the licenses granted by Finansinspektionen (the Swedish Financial Supervisory Authority) and registered with Bolagsverket (the Swedish Companies Registration Office). The Company and its employees shall represent the client's interests. In the event of a conflict of interest, the customer's interests shall be prioritized. The Company and its employees may never make unauthorized disclosures about customers' circumstances that the Company and its employees have become aware of.
The Company and its employees inform customers and document customer matters in accordance with applicable laws and regulations. In connection with a customer matter, information is provided about who is responsible for complaints so that the customer knows to whom any dissatisfaction with the mediation should be communicated. The Company and its employees shall always treat all customer matters with the greatest possible skill, care, and without delay.
The Company and its employees may not accept gifts in violation of current anti-bribery regulations, whether the gifts come from clients, insurance companies, fund companies, or others. The Company's employees may not take on assignments outside of their employment that could damage public confidence in the operations.
The Company shall, in the event of changes to operations, regulations, etc., revise and adapt these guidelines so that they remain relevant to the operations. The Board is responsible for ensuring that all employees are informed of the content of these guidelines. In case of uncertainty as to whether an action is in accordance with the established ethical guidelines, the employee shall turn to their immediate superior. If a superior is unavailable, SFM can be contacted for guidance.
These guidelines were established by the Board on April 1, 2018.