Terms & Conditions
Last Updated on 01/July/2025
What We Do
Areivim Belgium is a community-based charity that provides financial support to families who suffer the untimely loss of a parent. When a member passes away, a fund is created for each orphanand an additional fund for the surviving parent.
Each active member contributes a minimum of €18 per fund, (many members choose to contribute more). With the current number of members (+1700), the average fund typically reaches over €30,000. Contributions are only collected when a loss occurs, ensuring the burden is fairly shared and remains manageable for all members.
Our mission is to ensure that no child is left without a safety net and that every grieving family receives support—with dignity, without public fundraising appeals.
We operate under the guidance of our board and according to the values of Shmiras Torah U’Mitzvos, focusing on families residing in Belgium.
Who we are
Doing Business As:
Areivim Belgium
Compeny Legal Name:
Centraal Joods Sociaal Fonds VZW
Compeny ID:
BE0778.806.862
Address:
Nerviersstraat 14-16, 2018 Antwerpen,
Belgium
[email protected]
1. Fund Structure
In the event of the passing of a parent, a fund will be set up for each orphan and an additional fund for the surviving parent.
Example
A parent passes away, leaving behind a widow and five children. In this case, 6 separate funds will be created — one for the surviving parent and one for each child.Each active member contributes a minimum of €18 per fund, which would amount to €108 total per member for this case (6 funds × €18). With the current number of members, this typically results in €30,000 per fund and a combined fund of around €180,000, though the exact amount may vary depending on how many members choose to contribute more than the minimum.
- Children's Fund: The fund for each eligible child will be paid out at the time of their wedding.
Parent's Fund: The surviving parent will receive €1,000 per month, starting from the month the fund is claimed, until the full fund amount is used. With the typical fund amount, this usually spans around 30 months.
2. Fund Eligibility
A fund can only be established for a child or surviving parent who resides in Belgium.
Eligibility is reserved for families committed to Shmiras Torah U’Mitzvos.
All children under the care of the applicant are covered, including non-biological children.
If a fund was already established when one parent passed away, no second fund will be created if the other parent later passes. Areivim Belgium conducts only one collection per orphan.
Funds created for children are only applicable to unmarried children under the age of 40.
In the case of a child who was previously married before the parent’s petirah and is now divorced, the child is entitled to a fund (not a second fund) if they are living at home at the time of the petirah. In this situation, the maximum eligible age is 35, instead of the standard 40.
If the divorced child is living independently, eligibility will be determined on a case-by-case basis.- If a fund has been established for a child who remains unmarried by their 40th birthday, the fund will be retracted and returned to Areivim Belgium, as they no longer meet the eligibility criteria.
- Eligibility for fund coverage is conditional upon full compliance with the Health Eligibility Policy in effect at the time of registration.
3. Account Management
The person listed as the main billing contact on the account has the right, at any time, to update who the designated applicant. For example, a sponser can change applicant
- In the event of divorce, the board will assess fund eligibility on a case-by-case basis.
- To ensure continued coverage for the children, please contact us if family circumstances change.
4. Legal & Governance
Areivim Belgium is a registered charity VZW and not an insurance provider. It does not fall under insurance laws or regulations. Participation in Areivim Belgium does not create any legally binding entitlement to benefits. All funds are distributed at the discretion of the organization’s board, in line with its charitable mission.
Areivim Belgium is governed by a board of directors who oversee all operations, eligibility, and fund distributions. The current board members are:
Moshe Aaran
- Jacky Elevitsky
- Ari Gutfreund
- Yanky Konig
- Uziel Kohen
- Nisanel Pinto
Simche Yomtov Gluck
Yisrurl Shtier
Chaim Lemberger
The organization operates solely under the policies set by this board and reserves the right to amend its terms or procedures as needed for the proper functioning of the initiative.
5. Membership Plans & Contributions
Areivim Belgium offers multiple membership plans to suit different levels of giving.
The Standard Plan requires members to contribute €18 per fund, regardless of the number of active members. With our current membership base, this amount typically covers a full €30,000 per fund.
Members who wish to contribute more can join higher-tier plans, adding extra support to each fund. These additional contributions are combined with the standard amounts, so a family may receive more than €30,000—depending on how many members opt to give above the base rate.
This model ensures a stable, fair structure while giving generous members the opportunity to increase the impact.
6. Contribution Policy
Members are only billed when a tragedy occurs. This is not a subscription.
The contribution per member is capped at €18 per month.
In the event of a failed payment, the missed amount will be collected together with the next month's contribution, which may result in a charge exceeding €18 for that month.
When necessary, the total contribution will be split over multiple months (e.g., 6 months) to ensure no member pays more than the monthly cap.
All members must have an active SEPA Direct Debit mandate.
Members will be notified in advance of any upcoming collection and actual debit.
Contributions toward Areivim Belgium may be paid with Maaser money.
7. Registration
Registration to Areivim Belgium is only open once a year, typically during the period from Rosh Chodesh Elul until Rosh Hashanah.
All new registrations take effect only on the yearly cut-off date, which is usually Rosh Hashanah. For example, if you register on Rosh Chodesh Elul, your membership will not become active—and you will not be covered—until Rosh Hashanah.
At the time of registration, you will receive an email confirmation that includes your effective start date.
Starting September 2025, members are only liable to contribute to collections for deaths that occur after their registration date. If Areivim Belgium conducts a collection for a case where the death occurred before your registration, you will not participate in that collection.
8. Health Eligibility Policy
To qualify for membership in Areivim Belgium, applicants must confirm that neither parent (i.e., the applicant and their spouse, if applicable) has been diagnosed with a life-threatening medical condition within the five years prior to registration.
9. GDPR Compliance & Data Handling
Areivim Belgium is fully committed to protecting your privacy and complying with the General Data Protection Regulation (GDPR).
We collect and store only the personal information necessary for processing your registration, managing collections, and maintaining contact with our members. This includes details such as your name, address, email, bank account information for SEPA direct debit, and information about your family structure as relevant for eligibility.
All personal data is handled securely and is only accessible to authorized personnel. We may work with third-party service providers (such as payment processors and communication platforms) solely for the purpose of carrying out the necessary functions of Areivim Belgium. These providers are also bound by GDPR compliance and confidentiality obligations.
Your data will never be sold, shared, or used for marketing purposes. You have the right to access, correct, or delete your data at any time by contacting us at [email protected].
We retain your information only as long as required for the purposes stated above or as legally required.10. Digital Communications – Legal Notice
By registering with Areivim Belgium, you consent to receive digital communications necessary for the operation of the initiative. These communications may include:
Email and SMS notifications about upcoming or active collections
Account updates, SEPA mandate status, and contribution summaries
Important service messages related to your membership
All communications are strictly transactional and essential for your participation. We do not send marketing or promotional messages.
Areivim Belgium complies with the General Data Protection Regulation (GDPR) and Belgian telecommunications law. Your contact details will only be used for the purposes listed above and will not be sold or shared with third parties, except secure service providers required to deliver these messages (e.g., email platforms, SMS gateways). These providers are also bound by GDPR and confidentiality requirements.
You may request to update your contact details or opt out of digital communications by emailing [email protected]. Please note: opting out of digital communications may result in missing critical updates and may affect your active membership status.
11. SEPA Direct Debit – Terms & Conditions
Participation in Areivim Belgium requires an active SEPA Direct Debit mandate, which authorizes us to collect contributions from your bank account when a collection is initiated.
By signing the mandate form, you authorize:
(A) Areivim Belgium (Centraal Joods Sociaal Fonds VZW, Creditor Identifier: BE73ZZZ0865756474) to send instructions to your bank to debit your account, and
(B) Your bank to debit your account in accordance with the instructions provided by Areivim Belgium.
Mandate Details:
Creditor Name: Centraal Joods Sociaal Fonds VZW
Creditor Identifier: BE73ZZZ0865756474
Creditor Address: Nerviersstraat 14–16, 2018 Antwerp, Belgium
Type of Payment: Recurrent, variable contributions based on actual cases
Mandate Reference: A unique reference will be assigned and provided to you upon activation
Maximum Monthly Cap: €18 per month - (if you have unpaid DD then you total balence could be more then €18 per month)
Notice of Collection:
Areivim Belgium complies with SEPA’s legal requirement to notify you in advance of any collection (prenotification).
Each member will receive two notifications per collection:
An initial notification at the start of the collection process, detailing the reason for the collection and the total amount to be distributed. This is typically sent well before the 14-day legal requirement.
A final confirmation will be sent a few days before the actual debit, clearly stating the exact amount and debit date.
Notifications are sent via email and/or SMS based on the contact information you provided at registration.
Important: If you do not provide a valid email address or a mobile phone number capable of receiving SMS, you voluntarily waive your right to receive advance notifications. Areivim Belgium will consider the SEPA pre-notification obligation fulfilled, and you remain fully liable for any applicable contributions.
By submitting the SEPA mandate, you explicitly agree to this two-step notification system, which fulfills and exceeds SEPA’s pre-notification obligations.
Your Rights:
You are entitled to a refund of any SEPA direct debit transaction from your bank within 8 weeks of the debit date, without needing to justify the request.
You can revoke or update your mandate at any time by notifying Areivim Belgium at [email protected].
Any changes to your account details must be communicated to ensure continuous participation.
