Legal notice

General information

This website is the property of iSalud Health Services, SL (hereinafter iSalud), with registered office at: Calle Cedaceros, 10 (28014) Madrid and address for notification purposes at C/Milanesat, 25-27, 5a planta, 08017 Barcelona.

Its C.I.F. [Código de Identificación Fiscal (Company Tax Number)] is B-65239923, registered in the Commercial Register of Madrid, volume 37,896, folio 132, section 8, sheet M-674844, Registration 2.

iSalud, as an Associated Insurance Agency, performs its brokering activity on behalf of the insurance entities with which it has signed an agency contract, operating throughout Spain. You can consult the information of the insurance entities with which iSalud operates in Insurance Entities To that end, we hereby inform you that iSalud performs insurance brokering through its own service based on the comparator provided on its website, except for its large account customers that are part of a group insurance policy. In these cases, iSalud performs insurance brokering by physically submitting its offers to the companies taking on these insurance policies.

iSalud also operates as a service company in accordance with Law 4/2002 of 11 July, on Information Society and Electronic Commerce Services, and offers services other than those corresponding to insurance brokerage activities. Among other services, iSalud provides you with medical prevention plans, search engines, medical advice via chat and/or video call, electronic prescriptions, legal guidance via chat, veterinary advice via chat, access to wellness content, information on rates for energy and telecommunications product, information on security alarm rates, medical professionals, health news and advice, as well as access to specially priced medical, dental and veterinary services. Access to medical, dental and veterinary services, called SERVICIOS MEDIPREMIUM, is promoted by iSalud to its clients on behalf and in the name of the entity MEDIPREMIUM SERVICIOS MÉDICOS SL (hereinafter MEDIPREMIUM), with which it maintains a business partnership and alliance and they are closely linked. And the services devoted to rates for energy and telecommunications products are promoted by iSalud to its clients on behalf and in the name of the entity PROFIELECTRA SL (hereinafter Selectra), with which it maintains a collaboration. Likewise, the security alarm rate services are promoted by iSalud to its clients on behalf and in the name of Tyco Integrated Security SL (hereinafter Tyco), together with official Tyco distributor, Datalink For Business SL.

iSalud has and/or authorises various websites, each of them dedicated to each of the Insurance Entities with which it is linked. Consequently, only products or services (brokered by iSalud) of the Insurer to which each of them is intended will be eligible for contracting for each website, apart from the other services offered by iSalud other than brokerage.

The insurance products and services and the brokering of insurance offered or provided by iSalud are subject to current legislation and to the supervision and oversight of the General Directorate of Insurance and Pension Funds.

Likewise, on these websites, the user may find specific spaces for the aforementioned MEDIPREMIUM services (although MEDIPREMIUM also has the portal www.medipremium.com, for said services) and other services offered by iSalud.

General terms and conditions of use

These conditions apply to all users of this website. Please read them carefully.

By accessing this website, you will be considered as a user thereof, and be subject to these conditions and it will be presumed that you know them and accept them.

The contents provided on these pages are intended for users residing in Spain or who access from Spain, so iSalud declines all liability for access by anyone in a jurisdiction where they may be contrary to the rules or regulations. In the same regard, certain products and services may be unavailable or prohibited in all jurisdictions or for all persons, so iSalud may restrict or reject access to anyone who does not meet the aforementioned territorial requirements of residence in, and access from, Spain.

Intellectual and industrial property

iSalud declares and guarantees that it is the exclusive owner or, where appropriate, holds sufficient ownership of all intellectual and industrial property rights over this website, its contents, graphic design and codes, corresponding to the exclusive exercise of the rights of exploitation thereof in any way, and in particular, the rights of reproduction, distribution, public communication and transformation.

Current legislation prohibits the reproduction, distribution, marketing, copying, transforming or publicly communicating any of the contents of this website or taking any other action that violates the intellectual property rights thereover.

Likewise, commercial names, logos, trademarks and in general all distinctive signs of any kind contained on this website are protected by law. Anyone other than their legitimate owner making improper use of such elements may be prosecuted in accordance with current legislation.

However, the user is granted the right to partially reproduce its content when it is compatible with the interests of iSalud, and only for its individual and private use, without commercial purpose, and provided that it is communicated to iSalud, in writing, and certified authorisation is obtained. Likewise, if said authorisation is obtained, the reproduced elements may not be assigned to a third party or installed on a server connected to the Internet or a local network.

In any case, it is strictly forbidden to modify or delete any type of content on this website, as well as its use, copying or distribution separately from the text or other content that accompanies it.

Updating the website

iSalud reserves the right to update, modify or delete the information contained on its website, without prior recommendation. Please review this website periodically for any changes that may occur.

It also reserves the right to limit or bar access to such information temporarily or definitively.

The information included in these web pages is valid on the date of its latest update and must be considered as information that guides the user, relating to the contents of the page.

Limitation of liability

Contents

The user undertakes to use this website correctly and lawfully. iSalud rejects all liability arising from the misuse of its content by users.

Likewise, it is not liable for any information not contained on this website, in particular regarding the information contained on other websites, or for any information not prepared by iSalud.

Likewise, iSalud is not responsible for any possible discrepancies that may arise between the version of its printed documents and the electronic version thereof published on its websites. In the event of a discrepancy, the written version will prevail over the electronic version.

In the same way, iSalud does not guarantee that access to this website will be uninterrupted, nor is it liable for damage suffered by the user as a result of the use of computers infected with viruses or the use of defective browsers or outdated browser versions, nor is it liable for any other type of damage suffered by the user when accessing and using this website or resulting from the use of computers in poor condition, computers with problems or computers with harmful components.

iSalud is not responsible for the use that minors may make of the website, nor will it be held liable should the contents of the website harm the sensitivity of minors.

It is the parents' responsibility to ensure the correct use of a tool such as the Internet and accompany the minors in their sessions.

Links

The function of the links that appear on this page is solely for informational purposes. iSalud has no responsibility for the information contained on third party websites connected by links, with iSalud’s websites, or that are not managed directly by our web administrator.

Use of the Software

Any software that may be available for download from this website is copyright-protected. In order to install or use any software downloaded from this site, you must first accept the terms of the Licence Agreement, if any, that accompanies or is included in the software (hereinafter, the "Licence Agreement").

With respect to software that is not accompanied by a Licence Agreement, iSalud grants the user a personal and non-transferable license, in accordance with these terms and conditions, provided that the indications of copyright and other property symbols are intact.

It is expressly prohibited to copy or reproduce the software on any other server or place for subsequent reproduction or redistribution.

The software is guaranteed, as applicable, only in accordance with the terms of the license agreement, excluding any other guarantee. In no case will iSalud or its suppliers be liable for any direct or indirect damage, or any other type of damage (including, but not limited to, lost profits, loss of data, financial or commercial damages), even in the event that iSalud has been informed of the possibility of such damages.

Security

The use by registered users of pages with contractual or transactional content is carried out in a secure environment through the SSL system and the Thawte SSL certificate.

Right of withdrawal

The Client will have a period of fourteen calendar days to withdraw from the contract remotely. The aforementioned period will be thirty calendar days in the case of life policies.

The period to exercise this right begins from the day the contract is formalised or from the day you receive the terms and conditions and information about the contract. With regard to life insurance, this begins when the consumer is informed that the contract has been formalised.

This right must be exercised in writing to any of the postal or electronic addresses indicated below (and a photocopy of the national ID card must be attached with said request): iSalud Customer Service, Calle Milanesat 25 (08017 Barcelona), phone: email 900 264 410, email [email protected]

Claims

The satisfaction of our customers is a fundamental concern at iSalud.com, and that is why we are making the service for complaints and claims available to you, as well as providing you with the following information about where you can make your complaints and claims:

a) The Customer Service Department is at your disposal for the processing of complaints and claims related to the activity of ISALUD HEALTH SERVICES SL.

This service is managed by the Customer Service Department, which can be contacted by phone on 91 905 76 60 (Monday to Friday from 9:00 a.m. to 7:00 p.m.) and by mail at the address calle Milanesat 25-27, Planta 5a, 08017, Barcelona; and by email at the following address: [email protected]

We hereby inform you that you can file complaints about the tasks of insurance brokerage carried out by iSalud with Customer Service and, where appropriate, with the Department of the Ombudsman of the respective insurance entities for which iSalud provides brokering services. You can ask for information about the Customer Service Departments of the insurance entities for which iHealth currently operates in Insurance Entities.

c) Provided you prove that you have previously made the claim to the Insurance Entities, and if the resolution has been contrary to your request or has not occurred within two months from its submission, you can make a claim to the Claims Service of the Directorate of Insurance and Pension Funds, which is at Paseo de la Castellana 44, 28046, Madrid or via its website (http://www.dgsfp.mineco.es).

Applicable legislation

Relations between iSalud and the users resulting from the online contracting of services and products and of any other activity and information contained in this website, shall be subject to Spanish legislation, with the express submission of the parties to the jurisdiction of the courts of Barcelona, except in the case of life insurance, the applicable jurisdiction of which shall be the courts of the jurisdiction of the policyholder.