Terms of Website Use

These Terms of Website Use govern your access to and use of mcsverzekeringen.com.

By using this website, you agree to these Terms of Website Use. If you do not agree with these terms, please do not use the website.

Website owner

This website is operated by:

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

Purpose of this website

The MCS website provides general information about:

• insurance in Spain;
• insurance products and types of cover;
• MCS services;
• insurance-related procedures;
• claims and administrative matters;
• information relevant to residents and non-residents in Spain; and
• ways to contact MCS.

The website is intended to help visitors understand insurance-related subjects and contact MCS for further information or personalised assistance.

Unless expressly stated otherwise, information on this website is provided for general information purposes only.

No personal insurance advice through website content

Information published on this website does not, by itself, constitute personalised insurance advice.

Insurance requirements vary depending on factors such as:

• personal circumstances;
• residency status;
• type of property or vehicle;
• insurance history;
• age;
• location;
• required cover;
• insurer acceptance criteria; and
• the terms and conditions of individual insurance products.

General website content should therefore not be treated as a substitute for advice based on your individual circumstances.

If you require personalised advice, please contact MCS directly.

No guarantee of insurance cover

Information shown on the website does not constitute an offer, guarantee or confirmation that insurance cover will be available.

Insurance is always subject to:

• insurer acceptance;
• underwriting requirements;
• applicable policy terms;
• exclusions;
• limits;
• premiums;
• eligibility requirements; and
• any other conditions imposed by the relevant insurer.

An insurance policy is only effective when it has been properly accepted and confirmed in accordance with the applicable insurer’s procedures.

Website information may change

We aim to keep information on the MCS website useful and reasonably up to date.

However, insurance products, laws, regulations, insurer requirements, premiums and market conditions may change.

We therefore cannot guarantee that every page is complete, current or applicable to every visitor at all times.

MCS may update, amend or remove website content without prior notice.

If information is important to an insurance decision, you should confirm the current position with MCS or the relevant insurer before relying on it.

Prices, premiums and examples

Any insurance premiums, prices, savings, percentages, examples or calculations shown on the website are indicative unless expressly stated otherwise.

Actual premiums and conditions may vary according to the information supplied, the insurer concerned and current underwriting requirements.

Website examples do not constitute a binding quotation.

A personalised quotation will only be available after sufficient information has been provided and the relevant insurer’s conditions have been considered.

Website chatbot

The MCS website contains an automated chatbot designed to help visitors find information.

The chatbot may provide answers based on information available from MCS and the content of the website.

Chatbot responses are intended for general information and assistance only.

The chatbot does not replace personalised advice from an MCS adviser or a formal decision by an insurer.

Contact forms and email

The website allows visitors to contact MCS through contact forms and email links.

Sending a message does not automatically create a contractual relationship or insurance cover.

We aim to respond to enquiries within a reasonable period, but we cannot guarantee an immediate response.

If your matter is urgent, particularly in relation to an insurance claim, policy cancellation, payment deadline or expiry date, you should use the appropriate direct communication channel and obtain confirmation that your request has been received.

Do not rely on website messages for emergencies

The MCS website, chatbot and contact forms are not emergency services.

In an emergency, you should contact the appropriate emergency services, assistance provider, insurer or other relevant organisation.

Do not rely solely on a website message or chatbot conversation where immediate action is required.

Claims information

Website content relating to insurance claims is provided as general guidance.

Actual claims procedures can differ depending on:

• the insurer;
• policy wording;
• type of insurance;
• cause of the loss;
• circumstances of the incident; and
• applicable documentation requirements.

Information on the website does not guarantee that a claim will be accepted or paid.

Claims decisions are made in accordance with the relevant insurance policy and the applicable insurer’s claims procedures.

External links

The MCS website may contain links to third-party websites, including:

• insurers;
• government authorities;
• service providers;
• WhatsApp;
• online resources; and
• other external organisations.

These links are provided for convenience or additional information.

MCS does not control independent third-party websites and is not responsible for:

• their content;
• their availability;
• their security;
• their accuracy;
• their privacy practices; or
• services provided by those third parties.

A link does not necessarily mean that MCS endorses all content or services available on the external website.

You use external websites at your own discretion and subject to their own terms and policies.

Intellectual property

Unless otherwise stated, the website and its original content are owned by or licensed to MCS.

This may include:

• text;
• insurance guides;
• blog articles;
• page layouts;
• graphics;
• logos;
• photographs;
• design elements;
• databases; and
• other website material.

Content may be protected by copyright, trademark and other intellectual property laws.

You may view website content for personal and non-commercial use.

You may also share links to publicly available MCS pages.

You may not, without prior written permission:

• reproduce substantial parts of the website;
• republish website content as your own;
• sell or commercially exploit website content;
• systematically copy articles or databases;
• remove copyright or ownership notices; or
• use MCS branding in a way that suggests an unauthorised relationship with MCS.

Brief quotations may be used where permitted by applicable law and where MCS is appropriately identified as the source.

Automated scraping and misuse

You may not use the website in a way that disrupts, damages or places an unreasonable burden on the website or its infrastructure.

Without prior authorisation, you may not use automated systems to systematically extract large quantities of website content where this interferes with the website, infringes intellectual property rights or breaches applicable law.

You must not attempt to:

• gain unauthorised access to the website;
• interfere with website security;
• introduce malware or harmful code;
• bypass technical protection measures;
• impersonate another person;
• submit fraudulent information;
• misuse website forms;
• send spam; or
• deliberately overload website systems.

Website availability

We aim to keep the website available, but continuous or error-free access cannot be guaranteed.

The website may occasionally be unavailable due to:

• maintenance;
• technical faults;
• hosting issues;
• software updates;
• security incidents;
• internet outages; or
• circumstances outside our reasonable control.

MCS may temporarily suspend or restrict access where reasonably necessary for technical, security or operational reasons.

Viruses and website security

MCS takes reasonable measures to maintain website security.

However, no website or internet transmission can be guaranteed to be completely secure.

You are responsible for using appropriate security measures on your own device, including current browser software, operating system updates and malware protection.

MCS cannot guarantee that the website will always be free from viruses, malicious code or other technically harmful components originating from third parties.

Limitation of liability

Nothing in these Terms excludes or limits liability where it would be unlawful to do so.

Subject to applicable law, MCS is not responsible for losses arising solely from reasonable reliance on general website information where the information was not intended as personalised advice or formal confirmation.

MCS will not be responsible for loss caused by matters outside its reasonable control, including:

• interruption of website availability;
• third-party website failures;
• telecommunications failures;
• unauthorised third-party activity; or
• incorrect information supplied by a website user.

Visitors remain responsible for confirming information that is material to an insurance decision or legal obligation.

User-provided information

When submitting information through the website, you are responsible for ensuring that, to the best of your knowledge, the information you provide is accurate and not deliberately misleading.

Do not use website forms or the chatbot to submit:

• unlawful material;
• malicious code;
• threatening content;
• abusive content;
• spam;
• fraudulent enquiries; or
• information that you are not authorised to provide.

Privacy

Use of the MCS website is also governed by our Website Privacy Policy.

That policy explains how personal data may be processed when you:

• browse the website;
• use the chatbot;
• complete a contact form;
• contact us by email through the website; or
• interact with website services.

Cookies

The website may use cookies and similar technologies.

For information about the cookies and technologies used on the website, please read our Cookie Policy.

Changes to these Terms

MCS may amend these Terms of Website Use from time to time.

Changes may be made to reflect:

• changes to the website;
• new functionality;
• changes in applicable law;
• changes to our services; or
• security and operational requirements.

The latest version will be published on this page.

The date shown at the top indicates when these Terms were last updated.

Applicable law

These Terms of Website Use are governed by the laws of Spain, subject to any mandatory rights that apply to consumers under applicable law.

Nothing in these Terms is intended to restrict any statutory consumer rights that cannot legally be excluded or limited.

Jurisdiction

Any dispute relating to the use of this website will be subject to the courts having jurisdiction under applicable Spanish and European law.

Where mandatory consumer protection rules give a consumer the right to bring proceedings before another competent court, those rights remain unaffected.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply to the fullest extent permitted by law.

Contact

For questions about these Terms of Website Use, please contact: