1. Purpose of these Terms
These Terms of Use ("Terms") govern access to and use of the website expatinsurances.es (the "Website"), operated by Expatinsurances – Life Can Be Easy S.L ("Expatinsurances", "we", "us").
By browsing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.
2. Identification of the provider
- Expatinsurances – Life Can Be Easy S.L
- Avenida Los Boliches 4, Local 5, 29640 Fuengirola, Málaga, Spain
- Phone: +34 952 460 484 / +34 647 122 747
- Email: [email protected]
We act as an insurance intermediary, helping users compare and obtain insurance products from insurers operating in Spain.
3. Nature of the service (no insurance contract via Website)
The information and tools on this Website are provided for general information and quote request purposes only. They do not in themselves constitute:
- An insurance contract
- A binding offer
- Financial or legal advice
Any insurance contract will only be concluded once:
- You have provided all necessary information truthfully and completely;
- The insurer has accepted the risk and issued the policy; and
- You have received confirmation of cover according to the insurer's terms.
4. Your obligations when using the Website
When using the Website, you agree to:
- Provide true, accurate and complete information in all forms and communications
- Not use the Website for illegal or fraudulent purposes
- Not attempt to damage, overload or compromise the security or proper functioning of the Website
- Not copy, distribute or modify content of the Website except where expressly permitted
You are responsible for ensuring that your devices and internet connection are suitable and secure.
5. Quotes and product information
We aim to keep the information on the Website up to date, but:
- Product descriptions, coverage, exclusions and prices are summaries only
- Final conditions are always those provided by the insurer in the policy wording and contractual documentation
- Quotes are based on the information you provide and may change if that information is incomplete or incorrect
We are not responsible for any consequences arising from information that you provide inaccurately or incompletely.
6. Intellectual property
Unless otherwise indicated, all content on the Website (text, images, logos, design, structure and code) is owned by Expatinsurances – Life Can Be Easy S.L or used under licence.
You may view, print and download content for your personal use only. You may not reproduce, distribute, modify or exploit any content for commercial purposes without our prior written consent.
7. Third-party links
The Website may contain links to third-party websites (for example insurers, partners or resources). These links are provided for convenience only.
We do not control, approve or accept responsibility for the content, policies or practices of these external sites. Use of those sites is at your own risk and subject to their own terms and conditions.
8. Liability
We work to keep the Website available and secure, but we cannot guarantee:
- Continuous availability of the Website
- Absence of errors, interruptions or technical issues
- That the Website is free from viruses or other harmful components
To the maximum extent permitted by law:
- We are not liable for any indirect, incidental or consequential losses arising from use of or inability to use the Website.
- Our total liability in relation to the Website, where it cannot be excluded, will in any event be limited to reasonable, foreseeable losses directly caused by our negligence or intentional misconduct.
Nothing in these Terms excludes or limits liability where it cannot be excluded under applicable law.
9. Data protection and cookies
Processing of personal data through the Website is governed by our Privacy Policy and, where applicable, our Cookie Policy. By using the Website, you acknowledge that you have been informed about how we process your data.
10. Changes to the Website and Terms
We may modify or update the Website and these Terms at any time. The updated Terms will be published on this page and will apply from the date of publication.
We recommend you review these Terms regularly.
11. Governing law and jurisdiction
These Terms and any dispute arising out of or in connection with the Website are governed by Spanish law.
Unless otherwise required by consumer protection rules, any disputes shall be submitted to the courts of Málaga, Spain.
If you are a consumer resident in the EU, you may also be entitled to use the EU Online Dispute Resolution platform or your local courts, in accordance with applicable law.