We present a numerical model for the approximation of multiphase flows with free surfaces and strong interfacial effects. The model relies on the multiphase incompressible Navier-Stokes equations, and includes surface tension effects on the interfaces between phases, and contact angles. The volume -of -fluid approach is used to track the interfaces and the free surfaces between the various phases and the ambient air. The numerical method relies on an operator splitting strategy. The space discretization relies on a two -grid approach that uses an unstructured finite element mesh for diffusion phenomena and a structured Cartesian grid for advection phenomena. An adaptive mesh refinement algorithm is incorporated to better track the interfaces and free surfaces on the finite element mesh, and approximate more accurately surface forces. The model is validated through numerical experiments, in particular for emulsion problems.