For citizens
Is it free?
Yes. AVRASTRO is free for citizens: tools, guides, articles, your account, saved reports and booking appointments.
Is my information shared with advisors?
Only when you choose. Results you save stay in your account. If you want an advisor to see them, you choose which advisor, which results and details, and for how long; you can withdraw the share at any time.
When you book an appointment or send a message, your details go to the advisor you chose and may be recorded in their client management system.
How do I delete my account?
In Account settings, choose “Delete account” and confirm with your password. Your account, reports and shares are deleted; messages and appointments are anonymised. This cannot be undone, so you can download a copy of your data from the same page first.
Are the tool results advice?
No. The tools give indicative results based on what you enter and help you understand your situation. For a personal recommendation, talk to a licensed insurance advisor — you can book an appointment.
Saving and investing
Can AVRASTRO tell me which fund or product to choose?
No. The saving and investing tools are educational: the risk profile shows an indicative profile and What could €X a month become? shows illustrative assumptions. No product or fund is recommended. Whether a solution is suitable for you is assessed by a licensed advisor (IDD, art. 30).
What is the SRI risk indicator on a KID?
The Key Information Document (KID) of an investment product or insurance-based investment product shows a summary risk indicator (SRI) from 1 (lower risk) to 7 (higher risk), for the recommended holding period. Look at it together with the performance scenarios and the costs in the same document.
Can I send a gift calculation to a godparent or grandparent?
Yes. In A gift for a child’s future, the WhatsApp, Viber and e-mail links open a ready message with a link that opens the tool with the same amounts. The link carries only the figures of the calculation, nothing from your account, and nothing is sent until you choose an app.
Account and sign-in
My verification code did not arrive.
The code has 6 digits and is valid for 20 minutes. Check your spam folder and that you typed your e-mail address correctly. You can ask for a new code from the same screen; after several wrong attempts you also need a new code.
If the address already has an account, we do not send a code; we send an e-mail with links to sign in and to set a new password.
I forgot my password.
On the Sign in page, choose “Forgot password” and enter your account e-mail. You will receive a link to set a new password, valid for one hour.
Can I sign in with my mobile number?
Yes, if the number is in your profile and is not used by another account. Otherwise, sign in with your e-mail.
Appointments
How is an appointment confirmed?
You choose an advisor, a topic, a day and a time; you only see times that are genuinely free. The request shows as “Awaiting confirmation” and you receive an e-mail that we have it.
The advisor confirms it or declines it with a note. When it is confirmed you receive an e-mail with a file for your calendar. Please do not include medical details in the appointment note.
How do I cancel an appointment?
Use the “Manage appointment” link in the e-mail you received, or the Appointments page if you are signed in. The advisor is told and the time becomes free again.
Privacy
Where can I read how you handle my data?
In the Privacy notice, which explains what we keep, why, for how long and what your rights are.
Can I get a copy of my data?
Yes. In Account settings, choose “Download my data” to get a file with everything held in your account.
The answers in a minute
Did not find your answer?
Send us a message and we will reply.
