Legal notice

Navigation on this Internet site is subject to Luxembourg legislation and regulations, as well as the following conditions. 

This Internet site is the exclusive property of PECOMA Actuarial and Risk, S.A., a Limited Company, hereinafter referred to as “PECOMA”. 

By continuing to view the Internet site, the user unreservedly acknowledges his acceptance of the following conditions. 

PECOMA reserves the right to amend the conditions of use of this Internet site at any time. Indeed, PECOMA advises any user regularly to consult the latest applicable version of these conditions. 



The texts, brands, logos, information or elements appearing on this Internet site are the exclusive property of PECOMA. 

Any total or partial reproduction, representation, translation, adaptation or dissemination of the content of the site on any support whatsoever or by any process whatsoever shall constitute an unauthorised imitation and shall be prohibited in the absence of express authorisation and consent from PECOMA. 



This Internet site is intended for the clients of PECOMA, and more generally anyone interested in the services offered by PECOMA. 

All possible efforts have been made to ensure the accuracy of the information provided on this Internet site. However, no guarantee can be given that all the information is correct. 

PECOMA may not be held liable for any inaccurate, incomplete or erroneous information, or for any falsified or altered information. 

PECOMA reserves the right to change the content of the site or even to make it inaccessible.

The content of this Internet site is provided solely for information. 

Internet sites outside the PECOMA website, particularly those of PECOMA partners with a hypertext link to or from this site, are not under the control of PECOMA, which consequently denies any liability regarding their content or accessibility. The user is solely responsible for their use.



The Internet site is free of charge (excluding Internet connection costs borne by the user), and is normally open 24 hours a day seven days a week, except in the event of force majeure, IT breakdowns, maintenance or problems associated with the telecommunications networks. 

PECOMA will use its best efforts to take all necessary action to re-establish operation of the Internet site and its accessibility in case of such breakdown.

PECOMA may not be held liable for any direct or indirect, material or immaterial loss or damage caused by use of the Internet site, and particularly in relation to its interruption, cessation or malfunction resulting from a halt for maintenance or repair of the PECOMA IT system, technical breakdowns or network overload, telecommunications network cuts, errors, negligence or faults on the part of suppliers or third parties, or any IT virus originating on the Internet. 

PECOMA states that the Internet site uses the “Google Analytics” system, “cookies” and data relating to the IP address. 

By viewing the Internet site, the user consents to his data being processed by Google Analytics. 

When visiting the Internet site, one or more “cookies”, containing no personal information, may be placed on the user’s hard drive. 

“Cookies” are used exclusively to facilitate the transmission of technical information, and they are placed and stored on the user’s hard drive when visiting the Internet site. 



The site has been created by PECOMA. If, despite regular checks, you observe an anomaly, or if you encounter problems on this site, PECOMA asks you to notify it at this address:

Your comments, ideas or reactions will of course be studied very carefully. We thank you for your interest in this Internet site and would ask you not to hesitate in contacting PECOMA at the address indicated.



This Internet site shall be subject to Luxembourg legislation and regulations.

Only Luxembourg laws and regulations shall be applicable.

Exclusive competence is given to the Luxembourg Courts to hear any dispute in relation to the use, interpretation and execution of information and data appearing on the Internet site.