Legal Notice
Identification and Ownership
In compliance with Article 10 of Law 34/2002, of July 11, on Information Society Services and Electronic Commerce, the Owner provides the following identification data:
Owner: Sergio Agustí Sánchez
NIF: 33458993L
Registration number with the Directorate-General for Insurance and Pension Funds: E0189
Address: Apartado de Correos 403, 46002 Valencia, Spain
Telephone: +34 963 79 14 52
Email: info@unitedexpatinsurance.com
Website: https://unitedexpatinsurance.com
United Expat Insurance is a registered trademark of the Owner for class 36 (insurance services, insurance consultancy, insurance brokerage, insurance underwriting), filed with the Spanish Patent and Trademark Office under number 4.149.904, acting as a trade name and protecting the interests and rights of the Owner.
Purpose
The purpose of the website https://unitedexpatinsurance.com is insurance intermediation.
Terms of Use
Use of the Website grants you the status of User and implies full acceptance of all the clauses and terms of use included on the following pages:
Legal Notice
Privacy Policy
Cookie Policy
If you do not agree with each and every one of these terms and conditions, please refrain from using this Website.
Access to this Website does not in any way constitute the beginning of a commercial relationship with the Owner.
Through this Website, the Owner provides access to and use of various content published on the Internet by the Owner or its collaborators.
The User agrees not to use any of the contents of the Website for illegal purposes or purposes prohibited in this Legal Notice, by current legislation, or in ways that may damage, disable, overload, or impair the normal use of the Website, equipment, or documents of the Owner, other users, or any Internet user.
Comments
The Owner reserves the right to remove any comments that infringe current legislation, the rights or interests of third parties, or which, in its opinion, are not suitable for publication.
The Owner shall not be responsible for the opinions expressed by users through comments, social networks, or other participation tools, in accordance with applicable law.
Age Requirement
You must be at least 18 years old to use the services offered by the Owner or the legal age of majority in your country to register on the Website or use it. If you reside outside the European region, you must be at least 13 years old or the minimum age required in your country to register or use the Website.
If you are not old enough to accept our terms in your country, your parent or legal guardian must accept these terms on your behalf.
Security Measures
The personal data you provide to the Owner may be stored in automated or non-automated databases, exclusively owned by the Owner, who takes all technical, organizational, and security measures to ensure the confidentiality, integrity, and quality of the information, in accordance with applicable data protection regulations.
However, the User must be aware that Internet systems are not entirely reliable, and therefore the Owner cannot guarantee the absence of viruses or other elements that may cause alterations in computer systems (software and hardware) or in the User’s electronic documents and files.
Personal Data
All information related to the processing of personal data collected by the Owner can be found in the Privacy Policy.
Content
The Owner has obtained information, multimedia content, and materials included on the Website from sources considered reliable. While reasonable measures have been taken to ensure accuracy, the Owner does not guarantee that it is exact, complete, or updated.
Transmitting or sending any illegal or unlawful content, computer viruses, or messages that may affect the rights of the Owner or third parties through the Website is prohibited.
The content of the Website is provided for informational purposes only and should never be considered as a sales offer, a solicitation of an offer to purchase, or a recommendation to carry out any other transaction, unless expressly stated.
The Owner reserves the right to modify, suspend, cancel, or restrict the Website’s content, links, or information without prior notice.
The Owner is not liable for damages arising from the use of the information on the Website or the social networks of the Owner.
Cookies Policy
The Website uses cookies. All information regarding the collection and processing of cookies is available in the Cookie Policy.
External Links
The Website may provide access to third-party websites through links to inform users about the existence of other sources of information on the Internet.
These links to other websites do not imply any recommendation or invitation to visit the linked pages, which are beyond the Owner’s control. The Owner is not responsible for the content of linked websites or the results obtained by following the links.
Establishing a link does not imply any relationship between the Owner and the owner of the website where the link is placed, nor acceptance or approval of its contents or services.
When accessing an external website from a link on this Website, you must read the privacy policy of the external website, which may differ from this Website’s.
Intellectual and Industrial Property
All rights reserved.
Access to the Website does not grant any rights to reproduce, store permanently, or distribute any of the contents without prior express written permission from the Owner.
Limitation of Liability
The information and services on this Website may contain errors or inaccuracies. The Owner may introduce improvements or changes to the content at any time.
The Owner does not warrant that the Website or its content will be uninterrupted, free of errors, or free from harmful components.
The Owner declines any responsibility for network outages, business losses due to downtime, power failures, or any indirect damages caused by external factors.
Before making decisions or taking actions based on the Website’s content, the Owner recommends verifying and cross-checking the information with other sources.
Right of Exclusion
The Owner reserves the right to deny or withdraw access to the Website, without prior notice, at its own discretion or at the request of a third party, to users who fail to comply with this Legal Notice.
Jurisdiction
This Legal Notice is governed entirely by Spanish law.
This insurance mediation agency is registered with the Directorate-General for Insurance and Pension Funds and is supervised by the same, as well as by other regulatory entities overseeing private insurance mediation activities.
The regulations on transparency of insurance operations and client protection are included in:
Law 26/1984 on Consumer and User Protection.
Recommendation of the European Commission of April 4, 2001, regarding the principles applicable to out-of-court bodies for consensual resolution of disputes.
Law 44/2002 on the Protection of Clients of Financial Services.
Order ECO/734/2004 of March 11 on customer service departments.
For complaints, this entity has a Customer Service Department that undertakes to respond to claims within two months of submission.
Sergio Agustí Sánchez
NIF: 33458993L
Apartado de Correos 403, 46002 Valencia, Spain
Phone: +34 963 79 14 52
Email: info@unitedexpatinsurance.com
Additionally, the Insurance Ombudsman is available at the Directorate-General for Insurance and Pension Funds. However, in order to file a complaint before this authority, it is necessary to first file it in writing with the Customer Service Department.
Unless otherwise required by law, for any questions regarding the interpretation, application, and enforcement of this Legal Notice, the parties expressly submit to the Courts and Tribunals of Valencia, Spain, waiving any other jurisdiction.
For any questions regarding these Legal Terms or if you wish to make any comments about this Website, you may send an email to info@unitedexpatinsurance.com.