Amongst financial products we range all agreements on the financial markets which are not explicitly of a personal nature. This concerns for example the offering of shares or bonds to multiple parties (including crowd funding) the offering of lending or the offering of standardized financial services such as credit management and factoring services.
Besides that for offering such products the requirements of the financial supervision must be complied with, it is advisable to pay sufficient attention to the civil construction of such products. A financial product must be transparent and must contain balanced agreements which are actually relevant.
This way parties comprehend what the consequences are of taking a product. This will avoid disputes, however if disputes do arise these can be presented more efficiently to the judge.