General terms & conditions.

1. Who are we?

1.1 We are yourdutchmortgage.com, an independent business that advises You and/or acts as an intermediary for You with regard to financial products and/or provides other services. We operate for our own account and risk. All engagements are entered into exclusively between client(s) and yourdutchmortgage.com. Engagements are performed by yourdutchmortgage.com, even if it is the client(s)' intention that the services be performed by a particular person. Client(s) can only address yourdutchmortgage.com on the basis of a Service Engagement.

1.2 Our contact details, AFM licence number, Chamber of Commerce (KvK) number and KiFID registration number can be found at www.yourdutchmortgage.com and in the service document we make available to You.

2. Definitions

2.1 You: the party to whom we have made an offer or with whom we have concluded an Agreement.

2.2 Services: the activities we perform for You.

2.3 Electronic client file: Your digital client environment for the Services, including the Service Engagement and these general terms and conditions, where You can find the conditions and reservations applicable to the application for a Financial Product.

2.4 Financial Institution: the provider of a Financial Product.

2.5 Financial Product: (mortgage) loans, credit facilities, insurance, investment accounts, savings accounts and other products designated as such in the Agreement, in respect of which we (will) advise and/or act as intermediary.

2.6 Service Engagement: the engagement You provide us is recorded by us in a Service Engagement. A Service Engagement is only concluded once You (and any other contracting parties) have signed it digitally.

2.7 Agreement: includes the Service Engagement and/or any other agreements that may be concluded between You and us.

2.8 Distance Agreement: the agreement You have entered into with us in which the communication has taken place entirely at a distance, without the personal presence of any of our employees.

3. When do these general terms and conditions apply?

3.1 These general terms and conditions apply to every offer made by us to enter into an Agreement, to every Agreement and to all Services performed by us for You. They also apply to follow-up or partial engagements arising from the Agreement.

3.2 If the content of written arrangements made between You and us (the Service Engagement) deviates from what is provided in these general terms and conditions, the provisions of the Service Engagement prevail.

3.3 If any provision of these general terms and conditions proves to be void, only that provision shall be excluded from application; all other provisions shall remain in full force.

3.4 Any general terms and conditions to which You refer when concluding an Agreement with us do not apply, unless we have accepted them in writing and without reservation.

3.5 Not only we, but also our (former) directors and/or partners and all individual (former) employees may invoke these general terms and conditions.

4. General arrangements regarding the engagement

4.1 An Agreement between You and us is concluded as soon as we have confirmed it in writing or as soon as we have begun performing it. We may always refuse, without giving reasons, an engagement You provide to us. We will commence the Services after the Service Engagement has been signed or digitally approved by You.

4.2 All engagements are accepted and performed exclusively by yourdutchmortgage.com and not by any person affiliated with us. Article 7:404 and Article 7:407 paragraph 2 of the Dutch Civil Code are expressly excluded.

4.3 If You qualify as a consumer within the meaning of Article 6:230g paragraph 1 sub a of the Dutch Civil Code and You have entered into a Distance Agreement with us, You have the right, without giving reasons, to dissolve the Distance Agreement within 14 calendar days after entering into it. You may do so via a written statement using the form available at www.yourdutchmortgage.com. If You revoke the Agreement, You will receive back all payments made within 14 days. You can no longer exercise the right of withdrawal after You have expressly given us permission to commence the Services and we have completed the engagement.

4.4 The Service Engagement is signed by means of a handwritten signature or a digital approval.

4.5 The engagement given to us results in a best-efforts obligation on our part and not an obligation of result.

4.6 The deadlines we specify for performing an engagement are intended as indications and not as strict deadlines, unless agreed otherwise in writing. We are not responsible for monitoring deadlines in agreements to which You are a party, such as resolutive conditions in a purchase agreement.

4.7 If You do not provide us on time with the data necessary for the performance of the engagement, we are entitled to suspend performance. Costs already incurred will be charged to You.

5. Arrangements regarding offers, quotes and advice

5.1 Any offer or quote for a Financial Product that You receive from us is, unless expressly stated otherwise, without obligation and subject to acceptance by the relevant Financial Institution.

5.2 Information provided by us, in whatever form, is non-binding in nature and may not be regarded as advice given, unless expressly provided otherwise in writing. Any calculations we make are provisional and intended only as an indication.

5.3 Our advice is based on snapshots in time and may change as circumstances change, including changes in legislation and regulations or in your personal situation.

6. Arrangements regarding the engagement of third parties

6.1 We may make use of third parties not affiliated with us in performing the engagement, provided that You have given prior consent. Examples include estate agents, tax advisers, valuers, building surveyors or civil-law notaries. The costs charged by such third parties will be passed on to You. We are not liable for any shortcomings of such third party.

6.2 It may occur that we have to engage third parties who do not qualify as external advisers (e.g. temporary employees or external administration offices). We do remain responsible for such persons.

7. Arrangements regarding our remuneration and payments

7.1 We offer various forms of Services and we may be remunerated for them in various ways. At the start of the engagement, we record in writing in the Service Engagement the scope of our Services and the manner and amount of our remuneration. The actual amount depends on the specific circumstances and your wishes.

7.2 Changes in taxes and/or levies imposed by the government are always passed on to You.

7.3 Our invoice must be paid by You within 14 days of the invoice date in the manner we prescribe, unless otherwise agreed in writing.

7.4 If You fail to comply with your payment obligation(s) on time, we will draw this to your attention and set a period of 14 days within which You may still comply. If payment is not made within that period, You owe statutory interest on the outstanding amount. We are also entitled to charge extrajudicial collection costs.

8. Arrangements regarding the information You must provide us

8.1 We expect You to provide us, within the period set, with all relevant information we need for the proper performance of the engagement — both upon request and unsolicited. This includes changes in your family situation, income or asset position.

8.2 We can only meet the duty of care we have towards You if You strictly comply with Article 8.1.

8.3 If the late, incorrect or incomplete provision of information results in additional time or costs, we will pass those on to You.

8.4 You are fully responsible for the accuracy and completeness of all information provided by You or on your behalf to us.

8.5 If it subsequently appears that incorrect or incomplete information was provided, the Financial Institution may be entitled to terminate the Financial Product or decide not to compensate any damage suffered. You remain liable to pay us the remuneration for the Services we have provided.

8.6 We rely on You being reachable at the address, telephone number and email address You provided at the start of the engagement. Please inform us in writing if your contact details change.

9. Arrangements regarding complaints

9.1 You may submit a complaint about our services to us in writing via the contact details listed at www.yourdutchmortgage.com. We will endeavour to reach a satisfactory resolution together with You.

9.2 We are affiliated with the Dutch Financial Services Complaints Institute (KiFID) under registration number [insert KiFID number]. If we are unable to resolve your complaint to your satisfaction, You can in many cases submit your complaint to KiFID for binding advice. In all cases You may apply to the civil court.

10. Arrangements regarding our liability

10.1 Any liability of us, our directors, our employees and persons engaged by us is limited to the amount paid out under the professional liability insurance taken out by us, increased by the deductible to be borne by us. Upon request, we will provide further information about this insurance.

10.2 In the event that our professional liability insurance does not provide cover in a specific case, our liability is limited to a maximum of the total remuneration charged to You for the relevant engagement.

10.3 We perform the engagement exclusively for your benefit. Third parties may not derive any rights from the content of the work performed for You.

10.4 If You act in the exercise of a profession or business (i.e. You do not qualify as a consumer), the following additional liability arrangements apply:

• Our liability is limited to the direct loss suffered by You up to a maximum of €100,000 (one hundred thousand euros) per event, whereby a series of connected events is deemed one and the same event.
• “Direct loss” includes reasonable costs incurred to prevent or limit the loss, to ascertain its cause and extent, and to bring performance into conformity with the agreement. Liability for indirect loss (including business interruption, consequential loss, loss of production and loss of profit) is excluded.
• You are obliged, unless this cannot reasonably be required of You, to give us the opportunity within a reasonable period and at our expense to remedy shortcomings for which we are liable.
• All rights of action in connection with work performed by us lapse in any event five years after the moment at which You became aware or could reasonably have become aware of their existence.

10.5 We are never liable for any loss suffered by You or third parties:

• as a result of incorrect, incomplete or untimely information provided by You;
• arising from the circumstance that You have not paid on time the premiums and/or interest for the Financial Product concluded following our intermediation;
• arising from the circumstance that a financing condition agreed between You and your counterparty has expired (unless arrangements have been made on this);
• caused by the Financial Institution failing to ensure that the documents required for the mortgage deed are ready and/or that the funds are not, or not on time, in escrow with the civil-law notary.

10.6 If we advise on, or act as intermediary in, a Financial Product with an investment component, we provide a forecast of the possible results. This is only an indication. We are never liable for loss arising from a (disappointing) development in value of a Financial Product.

10.7 The limitations and exclusions in this article do not apply to loss caused by our intent or wilful recklessness.

11. Arrangements regarding confidentiality and privacy

11.1 We and You undertake to keep confidential all information that becomes known in the context of the Agreement and its performance, and of which it is known or could reasonably be known that such information is confidential. This duty of confidentiality also applies to persons involved in the performance of the Agreement.

11.2 The duty of confidentiality does not apply if we or You, as a result of legislation or a court ruling, must provide the relevant data to a designated third party (such as De Nederlandsche Bank or the AFM).

11.3 We process the data and information provided by You in accordance with applicable legislation and in accordance with our privacy statement.

11.4 We will not use any personal data You provide, or provide it to third parties, for purposes other than the performance of the Agreement or as indicated in the privacy statement.

11.5 If You withdraw your consent regarding inclusion of your personal data in any of our mailing lists, we will remove the relevant data upon your first written request if privacy legislation (GDPR) requires us to do so. In connection with our aftercare, we will continue to inform You of material changes in the Financial Product taken out by You, and periodically ask whether there are important changes in your personal and/or financial situation.

11.6 If we act on our own behalf in (court) proceedings, we are entitled to use the data provided by You or on your behalf.

12. Arrangements regarding the recording of conversations

12.1 As part of the Services, conversations may be recorded — solely after your explicit consent. We use these recordings for transcription and administrative purposes and treat them confidentially in accordance with applicable privacy legislation (GDPR). The consent given by You may be withdrawn at any time without giving reasons.

13. Other arrangements

13.1 Dutch law applies exclusively to Agreements between You and us to which these general terms and conditions relate.

13.2 All disputes between You and us related to or arising from the Agreement and/or these general terms and conditions may be submitted to the competent court in the Netherlands.

13.3 We may unilaterally amend the content of these general terms and conditions. In the event of a unilateral amendment during the performance of our Agreement, we will inform You and send You the amended terms. You may object within 30 days. If You do not object within that period, the amended general terms and conditions apply from the date on which they were sent to You.

yourdutchmortgage.com · KvK 12345678 · AFM 99999 · Version 25-05-2026