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Code of Honor


RELATIONS WITH THE PUBLIC
ART. 1 The Rivolta consultant must know the market, its evolution, laws, regulations and in general all the rules relating to the performance of his professional activity. He must not accept assignments that he cannot carry out with adequate competence.

ART. 2 The Rivolta consultant, in carrying out his professional work, must always be inspired by the ethical principles mentioned in the introduction and consider all his behavior in the light of the further ethical principle of the social function of the profession exercised.

ART. 3 The Rivolta consultant, within the scope of the regulations, must always use his own name and fulfill the duty of truth.

ART. 4 The Rivolta consultant, where this is allowed by the legislation governing the activity carried out by the same, at the express request of the party who has given him the assignment, may omit the name of the latter until the conclusion of the deal.

ART. 5 The Rivolta consultant must preferably operate on the basis of an assignment conferred in writing in which the clauses are as clear as possible, easy to read and interpret, do not give rise to ambiguity and in this way the type of service, amount of remuneration are also defined. , possible reimbursement of expenses and other conditions.

ART. 6 The amount of the remuneration must be agreed in advance between the parties, fixed in a clear manner and where it is not indicated in an explicit figure, the determination of the same must be made according to clear agreements and without any possible different interpretations.

ART. 7 In no case should the Rivolta consultant in carrying out his own business operate in such a way as to confuse his assets with money, securities or any other value received for reason and cause of his professional activity.

ART. 8 The Rivolta consultant must regularly and promptly provide for the social security and tax obligations to be paid by him in accordance with the regulations in force in favor of his employees and collaborators.


SECTION TWO RELATIONS WITH CUSTOMERS

ART. 9 The appointment must be for a fixed term.

ART. 10 The consultant Rivolta real estate agent having carried out the valuation of the property or company, established the essential conditions of the assignment with the seller, lessor or transferor, must bring to the attention of the appointee all the proposals received.

ART. 11 When the consultant Rivolta real estate agent intends to conclude for himself the deal for which he has been appointed, he must immediately and unambiguously inform the client of this. The same behavior will have to keep in case he wants to sell or rent his own real estate property. In any case, you will not have to receive any brokerage fees. It is to be considered a deontological violation to have others intervene "for oneself or for the person to be named" at the stipulation of the preliminary agreement and then to replace them at the time of the definitive contract.

ART. 12 The consultant Rivolta real estate agent or credit broker must refuse initiatives and behaviors that, even if proposed by banks or financial intermediaries, may in some way be unfavorable to the borrower or in contrast with the needs of the same, in any case making the interest of the latter prevail. 'last also by subordinating one's own.

ART. 13 The Rivolta consultant must always inform the client about the costs, benefits and limits of the transaction and inform him in a clear and detailed manner of any risks deriving from the proposed financial transaction.

ART. 14 The Rivolta consultant in the context of his professional activity in charge of administering or managing assets that may be the subject of future sale or leasing must agree in advance the amount of the remuneration due to him for this specific activity and will not be able to collect sums from third parties unless has been previously authorized in writing.

ART. 15 The Rivolta consultant may accept the task of evaluating an asset exclusively within the limits of his professional duties and his own competence, experience and preparation. In the event that he is not able to provide personally he will have to use a professional in the sector chosen in agreement with the client.

ART.16 The Rivolta consultant is required to evaluate the assignment given to him with the utmost attention and must promptly inform the customer about all the problems inherent in the deal and of which the same has or should be aware according to the rules of professional diligence.

ART. 17 The Rivolta consultant who for reason and cause of his professional activity is entitled to reimbursement of expenses must always be able to document them and at the time of the reimbursement request must show, if requested, a clear and detailed note of the amounts advanced and of the expenses incurred.

ART. 18 The Rivolta consultant who, for reasons and because of his professional activity, detects or collects sums on behalf of a party or the customer must immediately make them available to the entitled person. Any form of compensation with fees or reimbursement of expenses is prohibited unless expressly agreed in writing.

ART. 19 In giving information to the public about his professional activity, the Rivolta consultant must ensure that the information is correct, truthful and does not negatively affect the dignity and dignity of the profession. The content of the advertising information must never be misleading, praiseworthy and comparative.

ART. 20 The Rivolta consultant must diligently adapt to the provisions of the regulations in force for the protection of "privacy", providing the customer with adequate information; with equal diligence he must comply with the regulations dictated against money laundering (anti-money laundering).


SECTION THREE RELATIONS WITH BANKS AND OTHER FINANCIAL INTERMEDIARIES


ART. 21 The Rivolta consultant must carry out his / her business with efficiency and loyal cooperation towards the bank or financial intermediary that provides the loan.

ART. 22 The Rivolta consultant has the duty to avoid unfair behavior towards banking institutions or financial intermediaries for which he does not work.

ART. 23 The Rivolta consultant has the duty not to accept requests from the Banking Institute or the financial intermediary that are in any way in conflict with the rules of this code of ethics.
SECTION FOUR RELATIONS WITH COLLEAGUES
ART. 24 The Rivolta consultant must always maintain behavior towards colleagues based on loyalty and correctness; she will have to avoid with her own behavior to obtain advantages to the detriment of colleagues.

ART. 25 The Rivolta consultant must exclude any professional relationship with abusive operators. In addition to what has been provided for above, it will also constitute a disciplinary offense to facilitate and make it possible, directly or indirectly, that persons who are not qualified or in conditions, even temporary, which prohibit them from exercising their specific professional activity in practice, obtaining economic benefits. .

ART. 26 The Rivolta consultant must refrain from expressing disparaging appraisals on the professional activity of a colleague.

ART. 27 The Rivolta consultant, if not expressly authorized, must refuse the collaboration of people who he knows are linked by a corporate relationship, dependency or collaboration with a colleague.

ART. 28 The Rivolta consultant, without prejudice to any different agreement, in the event that he carries out his assignment jointly with another professional in the sector, must loyally ensure that the remuneration due is divided equally in proportion to the work performed by each one.

ART. 29 In the event that the Rivolta consultant competes with another professional in the same sector to conclude a deal, he will have to divide the remuneration on the basis of the agreements entered into or, failing that, on the basis of local customs and practices, fairly taking into account the work performed from each. Where collaboration takes place between FIAIP members, the "collaboration" must take place in accordance with the provisions of the national "Collaboration Regulations".

ART. 30 The Rivolta consultant who agrees to collaborate with another colleague must always behave correctly and loyally; he will be required to respond promptly to the colleague's requests and to make available to him by sharing them promptly acts, documents, information useful for the best performance of the professional work.

ART. 31 The Rivolta consultant who assigns another colleague to carry out activities related to a professional assignment will have to pay him if the client does not fulfill it, unless he proves that he has been unnecessarily activated to obtain fulfillment, even postponing his credit.

ART. 32 The Rivolta consultant who exercises the profession of real estate agent must refrain from posting his own advertising signs to the property that could be sold or rented when advertising signs are already displayed in the same place by another agent unless it is a business deal. different and that this is clear from the text of the sign. The affixing of advertising signs must always be authorized by the customer and meet the criteria of adequacy, commercial decorum and discretion.

ART. 33 The Rivolta consultant who for reason and cause of the exercise of the profession intends to bring a judgment or to propose disciplinary action against a colleague must give him prior written notice unless this objectively does not prejudice the action to be proposed.

ART. 34 The Rivolta consultant will not be able to record a telephone conversation with a colleague for reasons and because of his professional activity. The recordings of the interventions made during the meetings are allowed only if there is the express or tacit consent of all those present. In addition to the foregoing, it is also a disciplinary offense to make public correspondence between confidential and / or personal qualified colleagues.

ART. 35 This Code of Ethics is inspired, expressed and must be interpreted in the light of the "principles":

HONESTE TO LIVE - Live honestly
ALTERUM NO LAEDERE - Do not harm others
SUUM CUIQUE TRIBUERE -Attribute to each of her his own

fixed as early as the 2nd century AD. by the Roman jurist Eneo Domizio Ulpiano in his "Rules" (in Digest 1.1.10 pr.).
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