Legal Notice

Website owner and company information

In accordance with Spanish Law 34/2002 of 11 July on Information Society Services and Electronic Commerce (LSSI-CE), users of this website are provided with the following identifying information.

MCS del Mediterraneo Correduria de Seguros S.L. is part of Grupo Concentra.

Insurance brokerage and regulatory status

MCS del Mediterraneo Correduria de Seguros S.L. operates in Spain as an insurance brokerage (Correduría de Seguros).

MCS is registered in the Register of Insurance and Reinsurance Distributors of the Dirección General de Seguros y Fondos de Pensiones (DGSFP) under registration number J4541.

MCS maintains the professional liability insurance and financial capacity required for insurance brokers under Royal Decree-Law 3/2020 of 4 February and the applicable Spanish insurance distribution legislation.

Purpose of this website

This website provides information about MCS, insurance in Spain and the insurance brokerage and distribution services provided by MCS.

The website also enables visitors to:

• request information about insurance;
• request insurance quotations;
• contact MCS advisers and offices;
• obtain general information about insurance in Spain;
• find information about claims and policy administration;
• use the MCS website chatbot;
• access legal and regulatory information; and
• use the communication channels made available by MCS.

Use of the website

Accessing and using this website gives you the status of a website user.

Users must use the website, its content and its services in accordance with applicable law, good faith, public order and this Legal Notice.

You must not use the website to:

• carry out unlawful or fraudulent activities;
• damage, disable or overload the website or its systems;
• introduce viruses, malware or harmful code;
• attempt to gain unauthorised access to systems or data;
• interfere with website security measures;
• submit deliberately false or fraudulent information;
• send spam or abusive automated requests; or
• use website content in a way that infringes intellectual property or other legal rights.

MCS reserves the right to restrict access where this is reasonably necessary to protect the website, its systems, MCS or other users.

Insurance information and advice

Information published on this website is intended to provide general information about insurance and MCS services.

Unless expressly stated otherwise, website content does not constitute a binding insurance quotation, confirmation of cover, acceptance of a risk or personalised insurance advice.

Insurance requirements and available cover depend on individual circumstances, insurer underwriting criteria, policy wording, exclusions, limits and other applicable conditions.

Where personalised advice or an insurance quotation is required, visitors should contact MCS so that their individual circumstances and requirements can be assessed.

Insurance quotations and contracts

Information about products, cover, premiums or examples shown on the website does not constitute a binding offer unless this is expressly confirmed in writing.

Insurance quotations and policies remain subject to the relevant insurer’s underwriting requirements, acceptance criteria, terms, conditions, exclusions and applicable documentation.

Insurance cover should not be considered effective solely because information has been submitted through this website, email, the chatbot or a contact form.

Formal confirmation should always be obtained where the existence, amendment, renewal or cancellation of insurance cover is important.

MCS website chatbot

The MCS website includes an automated chatbot designed to help visitors locate information about insurance and MCS services.

Chatbot responses are provided for general information and assistance. They do not replace personalised advice from an MCS adviser and do not constitute a formal decision or confirmation by MCS or an insurance company.

A chatbot conversation does not, by itself:

• create an insurance contract;
• confirm insurance cover;
• change an existing insurance policy;
• cancel an insurance policy;
• confirm acceptance or settlement of a claim; or
• guarantee a premium or insurer decision.

Important insurance matters should always be confirmed directly with MCS.

Accuracy and updating of information

MCS aims to ensure that information published on this website is useful, accurate and reasonably up to date.

Insurance products, premiums, insurer requirements, legislation and regulatory requirements may change.

MCS therefore cannot guarantee that every item of website content will remain complete or current at all times.

Website content may be amended, updated or removed when necessary.

Intellectual and industrial property

Unless otherwise stated, the content of this website is owned by MCS del Mediterraneo Correduria de Seguros S.L. or is used with the permission of the relevant rights holder.

This includes, where applicable:

• text and articles;
• insurance guides;
• images and photographs;
• logos and trademarks;
• graphics and icons;
• website design and layouts;
• databases;
• software and source code; and
• website structure and navigation.

Reproduction, distribution, transformation, publication or commercial exploitation of protected website content without appropriate permission is prohibited, except where permitted by applicable law.

Visitors may share links to publicly available MCS website pages and may use website information for normal personal purposes.

Third-party websites and services

The MCS website may contain links to external websites and services, including insurance companies, public authorities, WhatsApp, Google services and other third-party resources.

External links are provided for convenience or informational purposes.

MCS does not control independent third-party websites and is not responsible for their availability, content, security, accuracy, terms, privacy practices or services.

Users should review the applicable terms and privacy information of third-party services before using them.

Website availability and technical responsibility

MCS takes reasonable measures to keep the website secure and available.

However, continuous or error-free access cannot be guaranteed. The website may occasionally be unavailable due to maintenance, updates, technical failures, hosting issues, security measures or circumstances outside the reasonable control of MCS.

Subject to applicable law, MCS cannot be held responsible for damage caused solely by interruptions, telecommunications failures, malicious third-party activity or other technical circumstances outside its reasonable control.

Personal data and privacy

Personal data collected through the website is processed in accordance with applicable data protection legislation, including Regulation (EU) 2016/679 (GDPR) and Spanish Organic Law 3/2018 on Personal Data Protection and Guarantee of Digital Rights.

Detailed information about data processing, purposes, legal bases, retention periods, recipients and data protection rights can be found in the MCS Privacy Policy.

Privacy and data protection enquiries may be addressed to:

rgpd@concentragrupo.com

Cookies

The website uses cookies and similar technologies for purposes including essential website functionality, security and, where consent has been provided, analytics and other optional functionality.

Visitors can manage non-essential cookies through the cookie consent controls provided on the website.

Accessibility

MCS aims to make its website accessible and usable for as many visitors as reasonably possible.

The website provides accessibility controls that can assist with text size, line spacing, contrast, readable fonts, highlighted links, reduced animation and focus visibility.

Further information is available in the separate MCS Accessibility Policy.

Pre-contractual information

Specific information concerning MCS as an insurance intermediary, including its regulatory status, principles of operation, remuneration, complaints procedure, conflicts of interest and data protection information, is provided separately in the MCS Pre-contractual Information.

This information should be reviewed where applicable before entering into an insurance contract arranged through MCS.

Complaints

MCS maintains procedures for dealing with complaints concerning its insurance mediation and distribution services.

Details of the applicable complaints procedure and the possibility of referring eligible complaints to the competent external bodies are contained in the MCS Pre-contractual Information.

Changes to this Legal Notice

MCS may update this Legal Notice to reflect changes to the website, MCS services, applicable legislation, regulatory requirements or relevant changes within Grupo Concentra.

The version published on this page is the version applicable to use of the website at that time.

Applicable law and jurisdiction

This Legal Notice and the use of the MCS website are governed by Spanish law.

Any dispute concerning access to or use of the website will be submitted to the courts and tribunals having jurisdiction under applicable Spanish and European law.

Nothing in this Legal Notice limits mandatory consumer rights or jurisdictional protections that cannot lawfully be excluded.