Terms and Conditions

1. Acceptance of these terms

By accessing this website and using the services offered on it, you agree to be bound by these Terms and Conditions and by my Privacy Policy. If you do not agree with any of these terms, please do not use the site or request my services.

2. Nature of the services

miseguros.es is the professional site of Micol Astorri, whose activity consists of insurance advice and mediation. This means that:

• I advise you to help you identify the insurance solution that best suits your needs.
• I mediate in taking out the policy between you and the insurance company, and support you throughout the life of the contract.

I am not an insurance company. I do not assume the coverage of risks or the payment of benefits: that is done by the insurance company with which your policy is formalised. My role is that of a mediator: putting you in the best position to take out cover and providing close, expert attention.

This website is not an online shop and taking out insurance is not completed directly through it: formalisation takes place through the process described below.

3. Quoting process

When you request a quote, I prepare a personalised quote based on the information you provide. Please note that:

• The accuracy of the quote depends on the data you give me being complete and truthful.
• The quote is purely informative and non-binding: it does not amount to taking out any insurance or any obligation on your part.
• Unless stated otherwise, each quote is valid for 30 days, after which the terms may change.

4. Taking out policies

If you decide to take out a policy based on the quote received, the formalisation process begins. In this process:

• Your obligations: providing truthful, complete and up-to-date information, supplying the documentation required by the insurance company and paying the premium under the agreed terms.
• My obligations: managing the processing of your policy with the insurer diligently, informing you of the contract terms and assisting you throughout its term.
• Term: the coverage, its terms, limits and exclusions are those set out in the specific and general conditions of the policy issued by the insurance company, which prevail over any prior indicative information.

5. Communications and preferences

To manage your request and your policy, I may contact you by email, phone or WhatsApp, using the contact details you provide.

You can let me know your communication preferences at any time and have the right to opt out of communications that are not strictly necessary to manage your request or your contract. Just let me know using the contact details at the end of this document.

6. Complaints procedure

Your satisfaction is a priority. If at any point you are not satisfied with the advisory and mediation service received, you can file a complaint easily:

• How to file it: write to me directly at micol@miseguros.es or call 624 185 167, describing the reason for your complaint.
• Response time: I will handle your complaint with the utmost diligence and respond as promptly as possible.
• Escalation: if your complaint relates to the coverage, benefits or management of the insurance contract, it must be handled by the insurance company and, where applicable, escalated to the relevant complaints and supervisory bodies for insurance matters, including the Dirección General de Seguros y Fondos de Pensiones (DGSFP).

7. Limitation of liability

The website and its content are provided "as is", for informational purposes. Within the limits permitted by law:

• I do not guarantee that the site will be available uninterrupted or free of errors.
• The general information published on the site does not replace personalised advice or the specific terms of each policy, which are those set out in the contractual documentation issued by the insurer.
• I accept no liability for decisions made solely on the basis of general information on the site, without accompanying personalised advice.

Nothing in this clause limits or excludes liabilities that, under applicable law, cannot be limited or excluded.

8. Intellectual property

All content on this website — texts, designs, graphics, logos, typefaces, images and their layout — belongs to Micol Astorri or is used with due authorisation, and is protected by intellectual and industrial property regulations.

Reproduction, distribution, transformation or public communication of this content, in whole or in part, is not permitted without prior written authorisation.

9. Links to third parties

This site may contain links to third-party websites provided solely for your convenience. I do not control, and am not responsible for, the content, policies or practices of those external sites. I recommend reviewing their terms and privacy policies when you access them.

10. Acceptable use

By using this website you agree to do so lawfully and in good faith. In particular, it is prohibited to:

• Use the site for fraudulent purposes or purposes contrary to the law.
• Introduce or spread malicious code or take actions that could damage, overload or impair the functioning of the site.
• Access restricted areas or systems without authorisation.
• Reproduce or use the content in ways that are not permitted.

11. Governing law and jurisdiction

These Terms and Conditions are governed by Spanish law. Any dispute relating to the website or the services provided will be submitted to the courts and tribunals with jurisdiction under applicable law, without prejudice to the rights that consumer legislation grants to consumers.

12. Regulatory compliance

Insurance mediation activity is regulated and supervised by the Dirección General de Seguros y Fondos de Pensiones (DGSFP), where I am registered under number C0133X43400072H. In carrying out this activity, I comply, among other rules, with Law 34/1988 on the regulation of private insurance and with Directive (EU) 2016/97 on insurance distribution, as well as the Spanish regulations implementing them.

13. Changes to these terms

I reserve the right to modify these Terms and Conditions at any time to adapt them to legal developments or changes in the service. Changes will be published on this same page, indicating the date of the last update. Continued use of the site after changes are published implies acceptance of them.

14. Contact

For any questions about these Terms and Conditions, you can contact me: