The relationship between AVG and CIS registration is a complex and topical subject within Dutch law. At Arslan & Arslan Advocaten we are increasingly asked how the General Data Protection Regulation (AVG/GDPR) applies to the use and management of CIS registrations. The Central Information Provision Foundation (CIS) plays a crucial role in […]
Summary proceedings for a CIS registration are a legal expedited procedure that you can use when an unjustified entry in the Stichting CIS database has immediate and severe consequences for your daily life or business operations. When you are unexpectedly confronted with such a registration, this may mean that you can no longer take out insurance, a mortgage is […]
Objection to CIS registration can be relevant when you believe that data in the CIS database has been processed incorrectly or incompletely. The CIS database is intended for participating insurers and authorized agents and is used in, among other things, claim and risk/acceptance assessments. This article explains how you first request access and then can submit a reasoned correction request. What is […]
Are you dealing with an unjust CIS registration and want to know what your rights are? A registration in the database of Stichting CIS can have far-reaching consequences for your financial and personal life. It can mean that you cannot take out a new insurance policy, a mortgage is refused, or that you face higher premiums. In many cases, however, such a registration is unjust or disproportionate […]
When you want to buy a home, a CIS registration is one of the biggest obstacles you may encounter when applying for a mortgage. Many people only discover that they are registered in the database of Stichting CIS (Centraal Informatie Systeem), the Dutch central credit information system, at the moment they try to obtain financing. Such a […]
When you face an entry in the incident register, it is crucial that the proportionality test for a CIS registration is carried out carefully and correctly by the relevant financial institution. A registration with the CIS Foundation (Centraal Informatie Systeem) can have far-reaching consequences for your financial and social life. It is not […]
Have you been registered with Stichting CIS and ask yourself: when is CIS registration permitted? A CIS registration can have far-reaching consequences for your financial future. It can prevent you from taking out a new insurance policy, cause your current policy to be terminated, or make it impossible to obtain a mortgage. Insurers use […]
When you take out an insurance policy, you have a duty of disclosure, and failing this can lead to an allegation of non-disclosure in insurance. This means you must provide all relevant information truthfully to the insurer. But when is an insurer’s reliance on non-disclosure actually justified? And what are the consequences for your […]
The role of the insurer’s loss adjuster is often viewed critically, especially regarding their independence. You may wonder whether these experts truly work neutrally or primarily serve the insurer’s interests. In this blog post, we examine the legal frameworks and professional codes of conduct that a loss adjuster affiliated with the insurer must […]
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When you face damage or medical costs, chances are high that you will have to deal with a deductible insurance. This means that you first pay a part of the costs yourself before your insurer pays out. Although this concept is known to many people, in practice legal disputes regularly arise […]
