Rules and Guidelines

  • Introduction

    European Union Asset Control © is an independent, self-regulatory organization with the ability to provide dispute resolution services. European Union Asset Control is not regulated by or registered with as an EDR body in any jurisdiction.

    The Members of European Union Asset Control are individuals, companies, and organizations that operate in the Financial Services Industry and who agree to be bound by the European Union Asset Control rules.

    The main objectives of European Union Asset Control are to:

    • Provide clients, at no cost, with an accessible alternative to legal proceedings to resolve their complaints against Members;
    • Act as a complaints resolution body for the Financial Services Industry;
    • Actively facilitate the resolution of complaints with their financial service providers who are the Members of European Union Asset Control.
  • Assets and income of the European Union Asset Control

    The assets and income of European Union Asset Control are used only for the purposes of the functioning (including for the purposes of creating the Compensation Fund), and no part will be directly or indirectly distributed among its Members.

    European Union Asset Control will use a part of its assets and earnings to establish a compensation fund that will act as an insurance policy for Claimants. This fund is kept in a separate bank account. The Compensation Fund is funded by deducting a certain percentage of the monthly membership fees. The compensation fund will only cover fees up to its current limit of monetary compensation per applicant.

    The amount of the current limit of monetary compensation can be changed at any time. European Union Asset Control will post any changes to the monetary compensation limit on the website.

    Funds from the Compensation Fund can be used by the European Union Asset Control to satisfy the complainant only if the member refuses to comply with the decision of the Committee. The Compensation Fund is the property of the European Union Asset Control and no member is entitled to any part of the Compensation Fund for any reason, including termination of the membership of that member.

    If the Compensation Fund does not have sufficient funds to cover multiple Complaints against a member or members, the European Union Asset Control reserves the right to distribute the Compensation Fund as it sees fit based on the Complaints filed.

  • Membership

    To become our member and get certified, a potential broker-member must have worked in the financial services industry for at least 3 years.

    If the applicant has worked for less than 3 years, the European Union Asset Control reserves the right to require at least two professional references from a shareholder, director, senior executive, or similar officer of a firm or financial services firm that have been in business for more than 3 years.

    European Union Asset Control also reserves the right to provide subcategories of memberships with varying pricing and payment requirements, which may, among other things, depend on the number of Complaints pending against such a member and other services.

  • Financial Requirements

    European Union Asset Control may impose financial requirements for all or any types of membership, such requirements will be announced by posting a notice on our website.

  • Reporting Requirements

    European Union Asset Control may introduce reporting requirements for all or any types of membership, such requirements will be announced by posting a notice on our website.

  • Types of Complaints covered by the European Union Asset Control

    European Union Asset Controlwill deal with a Complaint by calling the independent financial Committee if, in relation to a Financial Service provided by a Member, such Member has:

    • Violated the terms of the contract entered into between the Member and the Complainant in relation to such Financial Service;
    • Did not follow standards of good practice in the Financial Services Industry;
    • Acted unfairly towards the Complainant.
  • Obligation of a Member to include the European Union Asset Control dispute resolution clause in its customer contracts

    As a condition of the effectiveness of a Member’s membership, each Member must amend the dispute resolution or any similar clause in their contracts with clients to enable the Client to file a Complaint with the European Union Asset Control against such Member.

  • Obligation of a Member to Have a Business Continuity/Disaster Recovery Plan

    European Union Asset Control believes that disaster recovery and business continuity issues are of the utmost importance, and merchant technology vendors must take a proactive approach to ensure they have an adequate disaster recovery plan.

    Disaster recovery and business continuity plan must contain the following information:

    • description of backup facilities;
    • procedure for implementation of disaster recovery/business continuity plan;
    • disruptions of third parties;
    • annual testing;
    • rules of communication with the European Union Asset Control;
    • third party contact information;
    • employees and emergency contact information.
  • Right of the European Union Asset Control to Conduct an Audit of the Member

    European Union Asset Control reserves the right, at its discretion, to conduct an annual audit of the Participant to verify that the Participant complies with these Rules.

    Each member agrees to cooperate with the European Union Asset Control if European Union Asset Control initiates such an audit, provides European Union Asset Control with full access to its premises and employees, and immediately upon request, European Union Asset Control will provide European Union Asset Control with any documents and information necessary for European Union Asset Control to conduct an audit.

  • Independence

    The decision-making process and management of the European Union Asset Control are independent of its members.

    Dispute Resolution Committee and staff of the European Union Asset Control:

    • bears full responsibility for the consideration and consideration of Complaints; and
    • reports only to the Board of Directors.

    The Board is responsible for overseeing the Dispute Resolution Committee, ensuring independent decision making by the Dispute Resolution Committee and European Union Asset Control staff, and maintaining the independence of European Union Asset Control and its dispute resolution process.

    To ensure that European Union Asset Control is and is perceived to be independent, the Council does not include Members’ representatives on the Dispute Resolution Committee.

  • Role of the Dispute Resolution Committee

    Only European Union Asset Control has the right to appoint a Dispute Resolution Committee. The Dispute Resolution Committee is the only body that can:

    • make any decision permitted by these Rules, including, but not limited to, verifying that the Complaint is within the jurisdiction of European Union Asset Control and making an order thereon;
    • issue an Order;
    • make an Award.

    The Dispute Resolution Committee has the powers, functions, and responsibilities provided for by these Rules, as well as from time to time assigned and delegated by the Board.

  • When a Complaint can be filed with the European Union Asset Control

    Once a complaint is received, the European Union Asset Control team has to ensure that the complainant contacted our broker Member first, and the issue is going through the IDR (Internal Dispute Resolution) process.

    The IDR Procedure requires a broker to give a proper and detailed response to a complaint as soon as possible but must be within 10 business days.

    If the customer has been through the broker’s IDR Procedure and is not satisfied with the outcome, they are entitled to make a formal complaint to the European Union Asset Control.