Terms and Conditions

Last updated on April 1, 2025

1. Introduction
   These Terms and Conditions apply to this website and to transactions related to our products and services. You may be bound by additional contracts relating to your relationship with us or to any product or service you receive from us. If any provision in the additional contracts conflicts with any provision of these Terms, the provisions of the additional contracts shall prevail.
2. Binding Agreement
   By registering on this website, accessing it, or using it in any other way, you agree to be bound by the conditions set forth below. Simply using this website implies that you have read and accepted these Terms and Conditions. In certain cases, we may also ask you to explicitly accept them.
3. Intellectual Property
   We or our licensors own and control all copyrights and other intellectual property rights on the website, including the data, information, and other resources displayed or accessible on the website.

3.1 All Rights Reserved
Unless specific content indicates otherwise, you are not granted a license or any other rights under copyrights, trademarks, patents, or other intellectual property rights. This means you will not use, copy, reproduce, perform, display, distribute, embed in any electronic medium, modify, reverse engineer, decompile, transfer, download, transmit, monetize, sell, market, or otherwise exploit any resource from this website in any form without our prior written permission, except as provided by mandatory legal provisions (such as the right to quotation).

4. Third-Party Ownership
   Our website may include hyperlinks or other references to third-party websites. We do not control or review the content of third-party websites accessed through this website. The products or services offered on those websites are subject to the applicable Terms and Conditions of those third parties. The opinions expressed or material appearing on such websites are not necessarily shared or endorsed by us.

We shall not be responsible for the privacy practices or the content of these websites. You assume all risks associated with the use of these third-party websites and any related services. We accept no liability for any loss or damage, in any manner whatsoever, resulting from your disclosure of personal information to third parties.

5. Responsible Use
   By visiting our website, you agree to use it only for its intended purposes and in accordance with these Terms, any additional agreement with us, and applicable laws, regulations, and generally accepted online practices and industry guidelines. You must not use our website or our services to use, publish, or distribute any material that consists of (or is linked to) malicious software; to use data collected on our website for any direct marketing activity; or to engage in any systematic or automated data collection activity on or in relation to our website.

Any activity that causes or may cause damage to the website or interferes with its operation, availability, or accessibility is strictly prohibited.

6. Submission of Ideas
   Do not submit ideas, inventions, works of authorship, or other information that may be considered your own intellectual property and that you would like to present to us, unless we have first signed an intellectual property agreement or a non-disclosure agreement. If you communicate such information to us in the absence of a written agreement, you grant us a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, store, adapt, publish, translate, and distribute your content in any existing or future media.
7. Termination of Use
   We may, at our sole discretion, modify or discontinue access to the website or any of its Services, temporarily or permanently. You agree that we shall not be liable to you or any third party for any modification, suspension, or termination of your access to or use of the website or any content you may have shared on the website. You shall not be entitled to any compensation or any other payment, even if certain functionalities, settings, and/or any Content you contributed or relied upon are permanently lost. You must not circumvent or attempt to circumvent any access restriction measures on our website.
8. Warranties and Liability
   Nothing in this section shall limit or exclude any implied warranty by law that would be illegal to limit or exclude. This website and all its content are provided «as is» and «as available» and may include inaccuracies or typographical errors. We expressly disclaim any warranty of any kind, whether express or implied, regarding the availability, accuracy, or completeness of the Content. We do not guarantee that:

• This website or our content will meet your needs;
• This website will be available continuously, timely, securely, or error-free.

Nothing contained on this website constitutes or is intended to constitute legal, financial, or medical advice of any kind. If you need advice, you should consult an appropriate professional.

The following provisions of this section shall apply to the maximum extent permitted by applicable law and shall not limit or exclude our liability with respect to any matter that would be unlawful or illegal for us to limit or exclude our liability. In no event shall we be liable for any direct or indirect damages (including any loss of profits or income, loss or corruption of data, software or databases, or loss or damage to property or data) incurred by you or any third party arising from your access to or use of our website.

Except to the extent that any additional contract expressly states otherwise, our maximum liability to you for all damages arising out of or in connection with the website or any product or service marketed or sold through the website, regardless of the legal theory under which the liability is imposed (whether in contract, equity, negligence, intentional conduct, tort, or any other theory), shall be limited to the total price you paid us for purchasing such products or services or for using the website. This limitation shall apply jointly to all of your claims, actions, and causes of action of any kind and nature.

9. Privacy
   To access our website and/or services, you may be required to provide certain information about yourself as part of the registration process. You agree that all the information you provide will always be accurate, correct, and up-to-date.

We have developed a policy to address any concerns you may have about privacy. For more information, please refer to our Privacy Statement and our Cookie Policy.

10. Minimum Age Requirement
    By using our website or accepting these Terms and Conditions, you represent and warrant that you are at least 12 years old.

If you are more than 12 but less than 18, your parent or legal guardian must review and accept these terms before you continue using our website, and your parent or legal guardian shall be responsible for all your actions and omissions.

11. Export Restrictions / Legal Compliance
    Access to the website from territories or countries where the Content or the purchase of products or Services sold on the website is illegal is prohibited. You may not use this website in violation of the export laws and regulations of Spain.
12. Assignment and Transfers
    You may not assign, transfer, or subcontract any of your rights and/or obligations under these Terms and Conditions, in whole or in part, to any third party without our prior written consent. Any purported assignment in violation of this Section shall be null and void.
13. Breach of These Terms and Conditions
    Without prejudice to any other rights we have under these Terms and Conditions, if you breach these Terms and Conditions in any manner, we may take any measures we deem appropriate to address the breach, including temporarily or permanently suspending your access to the website, contacting your Internet Service Provider to request that your access be blocked, and/or initiating legal action against you.
14. Force Majeure
    Except for monetary payment obligations, any delay, failure, or omission by either party in performing or observing any of its obligations under this document shall not be considered a breach of these Terms and Conditions if, and to the extent that, such delay, failure, or omission is due to a cause beyond the reasonable control of the affected party.
15. Indemnification
    You agree to indemnify, defend, and hold us harmless from any claims, liabilities, damages, losses, and expenses related to the breach of these conditions and applicable laws, including intellectual property rights and privacy rights. You shall promptly reimburse us for any damages, losses, costs, and expenses related to such claims or arising from them.
16. Waiver
    The failure to enforce any provision of these Terms and Conditions or any Agreement, or the failure to exercise any option of termination, shall not be construed as a waiver of such provisions and shall not affect the validity of these Terms and Conditions or any Agreement or any part thereof, nor the subsequent right to enforce each and every provision.
17. Language
    These Terms and Conditions shall be interpreted and analyzed exclusively in Spanish; Castilian. All notices and correspondence shall be drafted exclusively in that language.
18. Entire Agreement
    These Terms and Conditions, together with our Privacy Statement and our Cookie Policy, constitute the entire agreement between Insurance Sphere and you regarding your use of this website.
19. Updates to These Terms and Conditions
    We may update these Terms and Conditions from time to time. It is your responsibility to periodically review these Terms and Conditions for any changes or updates. The date indicated at the beginning of these General Conditions is the date of the last review. Changes to these Terms and Conditions shall take effect when such changes are posted on this website. Continued use of this website after the posting of changes or updates will be deemed as notice of your acceptance of and agreement to be bound by these Terms and Conditions.
20. Choice of Law and Jurisdiction
    These Terms and Conditions shall be governed by the laws of Spain. Any dispute related to these Terms and Conditions shall be subject to the jurisdiction of the courts of Spain. If any court or other authority deems any part or provision of these Terms and Conditions invalid and/or unenforceable under applicable law, such part or provision shall be modified, deleted, and/or enforced to the maximum extent permitted in order to effectuate the intent of these Terms and Conditions. The remaining provisions shall not be affected.
21. Contact Information
    This website is owned and operated by Insurance Sphere.
    You may contact us regarding these Terms and Conditions via our Contact page.
22. Download
    You may also download our Terms and Conditions as a PDF.