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 their identification details.
Owner: Sergio Agustí Sánchez Tax Identification Number (NIF): 33458993L E0189 Address: Valencia, Spain Website: https://unitedexpatinsurance.com
“United Expat Insurance” is a registered trademark for the Owner for class 36 insurance services, insurance consulting, insurance brokerage, insurance underwriting, registered with the Spanish Patent and Trademark Office under number 4.149.904, acting in this case as a trade name and protecting the interests and rights of the Owner.
Purpose
The purpose of the website https://unitedexpatinsurance.com is insurance mediation.
Terms of Use
The use of the website grants you the status of User and implies the full acceptance of all the clauses and conditions 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 clauses and conditions, please refrain from using this website.
Access to this website does not establish, in any way, the commencement of a commercial relationship with the Owner.
Through this website, the Owner provides you with access to and use of various content that the Owner or their collaborators have published via the Internet.
To this end, you are obligated and committed to NOT use any of the contents of the website for illegal purposes or effects, prohibited in this Legal Notice or by current legislation, harmful to the rights and interests of third parties, or that may in any way damage, disable, overload, deteriorate, or prevent the normal use of the contents, computer equipment, or documents, files, and all kinds of content stored on any computer equipment owned or contracted by the Owner, other users, or any user on the Internet.
Comments
The Owner reserves the right to withdraw any comments that violate current law, are harmful to the rights or interests of third parties, or that, in their opinion, are not suitable for publication.
The Owner will not be responsible for the opinions expressed by users through the comment system, social networks, or other participation tools, as provided in the applicable regulations.
Legal Age
You must be at least 18 years of age to use the services offered by the Owner, or the legal age required in your country to register on the website or use it. If you reside in a country that is not part of the European Region, you must be at least 13 years of age to use the website, or the legal age required in your country to register on the website or use it. In addition to having the minimum required age to use the website under applicable law, if you do not have the necessary age to accept our terms in your country, your parent, mother, or guardian must accept our terms on your behalf.
Security Measures
The personal data you provide to the Owner may be stored in automated or non-automated databases, whose ownership exclusively belongs to the Owner, who assumes all the technical, organizational, and security measures that guarantee the confidentiality, integrity, and quality of the information contained therein in accordance with the provisions of current data protection regulations.
However, you should be aware that security measures for computer systems on the Internet are not entirely reliable, and therefore, the Owner cannot guarantee the absence of viruses or other harmful elements that may cause alterations to your computer systems (software and hardware) or your electronic documents and files contained therein, despite having implemented all the necessary means and taken the appropriate security measures to avoid the presence of these harmful elements.
Personal Data
You can consult all the information regarding the processing of personal data collected by the Owner on the Privacy Policy page.
Content
The Owner has obtained the information, multimedia content, and materials included on the website from sources they consider reliable, but while they have taken all reasonable steps to ensure that the information contained is correct, the Owner does not guarantee that it is accurate, complete, or up to date. The Owner expressly disclaims any liability for errors or omissions in the information contained on the pages of this website.
It is forbidden to transmit or send through the website any illegal or illicit content, computer viruses, or messages that, in general, affect or violate the rights of the Owner or third parties.
The content of the website is for informational purposes only and under no circumstances should it be used or considered as an offer to sell, a request for an offer to purchase, or a recommendation to carry out any other transaction, unless expressly stated otherwise.
The Owner reserves the right to modify, suspend, cancel, or restrict the content of the website, the links, or the information obtained through the website, without the need for prior notice.
The Owner is not responsible for any damages that may arise from the use of the information on the website or the content on the Owner’s social networks.
Cookie Policy
In the Cookie Policy page, you can consult all the information regarding the policy for collecting and processing cookies.
Links to Other Websites
The Owner may provide you with access to third-party websites through links to inform you about the existence of other sources of information on the Internet where you can expand on the data offered on the website.
These links to other websites do not in any way imply a suggestion or recommendation for you to visit the destination websites, which are beyond the control of the Owner. The Owner is not responsible for the content of linked websites or the results you obtain when following the links.
Also, the Owner is not responsible for the links located on the linked websites to which you are provided access.
The establishment of the link does not imply, in any case, the existence of a relationship between the Owner and the owner of the website in which the link is established, nor the acceptance or approval by the Owner of its contents or services.
If you access an external website through a link found on the website, you should read the privacy policy of the other website, which may be different from this website’s.
Intellectual and Industrial Property
All rights are reserved.
Any access to this website is subject to the following conditions: the reproduction, permanent storage, and dissemination of content or any other use with a public or commercial purpose is expressly prohibited without the prior express written consent of the Owner.
Limitation of Liability
The information and services included or available through this website may contain inaccuracies or typographical errors. The Owner periodically makes improvements and/or changes to the information and/or services that may be introduced at any time.
The Owner does not state or guarantee that the services or content will be uninterrupted or error-free, that defects will be corrected, or that the service or the server making it available will be free of viruses or other harmful components, although the Owner makes every effort to prevent such incidents.
The Owner disclaims any responsibility in the event of interruptions or malfunction of the services or content offered on the Internet, regardless of the cause. The Owner is not responsible for network failures, business losses due to these failures, temporary power outages, or any other type of indirect damage that may be caused to you by causes beyond the control of the Owner.
Before making decisions and/or taking actions based on the information included on the website, the Owner recommends that you verify and cross-check the information received with other sources.
Right of Exclusion
The Owner reserves the right to deny or withdraw access to the website and the services offered without prior notice, at their own request or that of a third party, to users who fail to comply with any of the conditions in this Legal Notice.
Jurisdiction
This Legal Notice is governed in its entirety by Spanish law.
This exclusive insurance mediation agency for Zurich is registered with the General Directorate of Insurance, under its supervision and that of other entities that generally regulate the activity of private insurance mediation.
The regulations governing the transparency of insurance operations and customer protection are contained in:
Law 26/1984 on the defense of consumers and users. Recommendation of the European Commission of April 4, 2001 on the principles applicable to out-of-court resolution bodies for consumer disputes. Law 44/2002 on the protection of financial services customers. Order ECO/734/2004 of March 11 on customer service departments.
For possible complaints, this entity has a CUSTOMER SERVICE that undertakes to address and resolve complaints and claims submitted by customers within a maximum period of two months from their submission.
SERGIO AGUSTÍ SÁNCHEZ 33458993L P.O. Box 403, 46002 Valencia
PHONE: 960 730 072 EMAIL: info@unitedexpatinsurance.com
REGISTERED WITH THE REGISTRY OF THE GENERAL DIRECTORATE OF INSURANCE AND PENSION FUNDS UNDER NUMBER E018933458993L.
Likewise, the General Directorate of Insurance has a Customer Ombudsman, although for the admission and processing of complaints before this entity, it will be essential to have previously submitted them in writing to the Customer Service.
Unless there is a rule that obliges otherwise, for all questions that may arise about the interpretation, application, and compliance with this Legal Notice, as well as the claims that may arise from its use, the parties agree to submit to the Judges and Courts of the province of Valencia, expressly waiving any other jurisdiction that may correspond to them.
If you have any doubts about these Legal Conditions or wish to make any comments about this website, you can send an email to the following email address: info@unitedexpatinsurance.com.