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What is a private insurance certification, and what is it worth?

The 7 glossary entries behind this answer, woven across its 18 categories

The answer

Short answer. A private certification is issued by an organisation under its sole authority, as Coursera, Google and Cisco do. The word is not reserved; what the law punishes is claiming public backing you do not have. So it is worth what a third party can check without taking the issuer's word for it: a scope stated plainly, a number, and a public page that says whether the certificate still stands.

Thirty seconds with a CV

Take the case as it will arise. A broking firm is hiring a cyber account handler. One line on a CV reads "AlgoPolis, certificate: cyber underwriting", followed by a number shaped like AP-2026-K3F9Q-7B2E. The recruiter calls no one. She types algopolis.eu/verification/ and the number, and the answer is on screen before she has closed the PDF.

What she reads there, and only there, is what the line is worth. The rest of the CV she can believe or not; this line can be checked.

What the word allows

Nobody owns the word "certification". Universities issue certificates outside any national register, a network equipment maker certifies the people who can configure its routers, and no one objects. The trouble starts when an issuer implies that a public register, public funding or a state authority stands behind it when nothing does. French law calls that a misleading commercial practice, under article L. 121-2 of the consumer code. The buyer finds out sooner or later, usually on the day they meant to use it.

Hence the statement carried by every AlgoPolis page that names its certification, this one included:

Private certification issued by AlgoPolis under its sole authority. It is not registered with France Compétences, in either the RNCP or the specific register, and does not qualify for the French personal training account.

Two sentences, and the reader knows at once what they are not looking at.

What the verification page shows

The number first. Its signature is checked before the database is queried, so nobody can find live certificates by trying numbers at random. The letters I, L, O and U never appear in one: copied by hand, a "1" cannot be mistaken for an "l". A made-up or mistyped number gets a flat answer, no certificate carries it.

Then the status: valid or revoked, and for a withdrawal, its date and reason. The private certification does not lapse. A refund or a payment dispute is enough to revoke; a certificate nothing pays for any more no longer counts as evidence. Then the programme completed, its length and the date obtained.

Then the name, or its absence. The holder decides whether it appears. If they declined, the page says so: "The holder chose not to have their name published. The certificate remains verifiable." The recruiter matches the number against the CV in her hand, and that is enough.

The page refuses all caching, so a revocation made this morning shows this morning. For anyone who would rather not take our word, the content is cryptographically signed, and the signature can be checked against our public key without asking us. It would remain verifiable if the site disappeared.

What it is not worth

It carries no public backing, and nothing on the certificate claims otherwise. It registers no one with ORIAS, the French register of insurance intermediaries: acting as an intermediary under article L. 511-1 of the French insurance code has its own conditions, and no private certification meets them.

Nor does it prove that someone can underwrite. It attests that on a given date the holder passed the exam of a specific course above 70%, a threshold stated before the first question. A candidate who passed RT-1 can work out a rate on line and read an hours clause; whether they would hold their line against a treaty underwriter in a negotiation, the interview will tell.

The route

The courses are free, so is the exam, and the score shows without paying anything. Only the named, verifiable certificate with its percentage is paid for: €7.99 incl. VAT for a course, €11.99 incl. VAT for a specialisation, €17.99 incl. VAT for a domain. As of October 31, 2026 it is not yet on sale, and the screen says so: "The certificate will be available soon." One exception: the CY-1 certificate is offered, with a free account, to anyone who passes its quiz. The course and the exam can be done today.