General Terms and Conditions Vanbreda Account / Identity

When you create a Vanbreda account, you confirm that you have read and agree to these General Terms and Conditions. These General Terms and Conditions are legally binding. Read all the General Terms and Conditions carefully before you start using our digital channels and related services.

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1. Why do I need to read these General Terms and Conditions?

When you create a Vanbreda account, you confirm that you have read and agree to these General Terms and Conditions. These General Terms and Conditions are legally binding. Read all the General Terms and Conditions carefully before you start using our digital channels and related services.

If you choose to register on the Vanbreda app, you also agree to the General Terms and Conditions Health Care Digital (

2. Can these General Terms and Conditions change?

Vanbreda may change the content of these General Terms and Conditions at any time. It is therefore important that you check them regularly.

3. What basic principles apply when using a Vanbreda account?

A Vanbreda account is created and supported operationally through the OKTA identity platform, which provides a solution for managing personal data securely. The use of this identity solution, including the initial registration, is based on OKTA terms and conditions with regard to the functionalities available (

After registering via the Vanbreda Account, you as a user can gain access to one or more of the following features: registering a new Vanbreda account; logging in to a Vanbreda application; (re)setting your password; resetting a “forgotten password”; receiving login notifications; receiving account-related e-mails; having access to a dashboard for your Vanbreda account; managing your profile settings; managing your security and privacy settings.

If your (personal) data change, you must inform us of those changes immediately. You can do this by updating the information on your account dashboard or by informing Vanbreda of the changes through one of the other available channels.

  • Security

As a user of one or more Vanbreda digital channels, you are responsible for all activities that take place using your user account and for keeping the information you receive from Vanbreda secure. We advise you to use strong passwords to create and secure your user account. Strong passwords consist of a combination of at least eight characters that include different numbers, uppercase letters, lowercase letters and symbols that do not follow any logic that a third party can detect. You are responsible for keeping your login details confidential. If you suspect unauthorised use of your user account, you hereby agree that you will notify us immediately by sending an e-mail to

As a user, you must ensure that Vanbreda’s digital services are accessed only by devices equipped with the appropriate security, such as an up-to-date operating system and software (patches) as well as an up-to-date virus scanner.

  • Liability

If you are creating a digital registration for yourself, you must declare that you are aged 18 or over. You confirm that all your (personal) data are complete and accurate so that we can identify you correctly. You agree that you will not create any registrations on behalf of other people without their consent.

Vanbreda is not liable if your use of our digital channels and services breaks the law in any way. If Vanbreda detects any unlawful use, we may deactivate your user account.

4. What do you do with my personal data?

If it is needed for the execution of the contract or required by law, Vanbreda may pass your personal data on to third parties. If a subcontractor or supplier processes your personal data, this will always be done securely and solely for the purpose of performing their specific task. Your personal data will only be processed within the European Economic Area, unless the execution of the contract requires otherwise. If this changes, Vanbreda will inform you in advance.

You can find out more about Vanbreda’s privacy policy, your rights (with regard to access, to rectification, to object and so on), data retention periods and other processing activities that take place to ensure the correct provision of Vanbreda’s services by going to

5. Is my Vanbreda account always accessible?

Vanbreda takes the utmost care with both the quality and user-friendliness of the OKTA identity platform and your Vanbreda account. Vanbreda endeavours to keep the Vanbreda app available 24 hours a day, 7 days a week. Vanbreda may completely or partially suspend its services via the OKTA identity platform in order to upgrade the options available through Vanbreda’s digital channels. Vanbreda does not offer any guarantees concerning accessibility, availability or response times. If required for reasons of maintenance or fraud, Vanbreda may change or suspend the digital services provided. Naturally, Vanbreda will try to keep any interruptions as short as possible. We will not inform users of service interruptions in advance.

6. What is Vanbreda's liability?

Except in cases of gross or deliberate misconduct, neither Vanbreda nor its employees are liable for any direct or indirect damages (including loss of earnings or loss of opportunities) you may incur as a result of your use of the Vanbreda account or because of your inability to use it, for whatever reason.

7. Where can I ask a question or make a complaint?

For any questions and problems, please first contact Vanbreda Risk & Benefits NV, Plantin en Moretuslei 297, 2140 Antwerp. by filling in this form or send an e-mail to Complaints can also be filed to the Insurance Ombudsman (Square de Meeûs/de Meeûssquare 35, 1000 Brussels, Tel. +32 2 547 58 71 – Fax +32 2 547 59 75 – – or via the online dispute platform of the European Union.

If you have any questions or complaints regarding the processing of your personal data, do not hesitate to contact our Data Protection Officer: Vanbreda Risk & Benefits, Attn. Data Protection Officer, Plantin en Moretuslei 297, 2140 Antwerp, or

You can find more information about the legislation relating to the protection of personal data on the Belgian Data Protection Authority’s website: You can also file a complaint there.

8. Competent court and applicable law

This agreement for the use of your Vanbreda account is governed by Belgian law. Only the courts of the district of the city of Antwerp have jurisdiction to hear any disputes