Terms and Conditions of use

These terms and conditions relate to your use of the services provided by Mapfre Malta p.l.c. under the domain names mapfre.com.mt (‘the Sites’) and to your request to purchase a product or service.

We have the right to revise and amend these terms and conditions from time to time to reflect changes in market conditions affecting our business, changes in technology, changes in payment methods, changes in relevant laws and regulatory requirements and changes in our system’s capabilities or for any other reason in our sole discretion which we may decide. Your continued access to or use of the Sites constitutes your acceptance of any such change and/or amendment.

The Sites contain expressions of opinion, information, and material about our product range and services; however nothing on the Sites amounts to or should be considered to amount to advice. Mapfre Malta has done its utmost to ensure the accuracy, timeliness and completeness of all information on the Sites. No person should act or refrain from acting on the basis of any matter contained in the Sites without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue.

Mapfre Malta P.l.c do not save and / or store any Credit Card and / or Debit Card details, that is, name of cardholder, expiry date and cvv number on any of its applications and databases

Except to the extent that loss or damage is caused directly by Mapfre Malta gross negligence or wilful misconduct and subject to the following paragraphs, Mapfre Malta and/or its employees expressly disclaim any and all liability whatsoever in respect of anything and in respect of the consequences of anything done or omitted to be done wholly or partly in reliance upon the whole or any part of the contents of the Sites. In particular and without limiting the generality of the foregoing, Mapfre Middlesea will not be liable for the delay in performing or failure to perform its obligations hereunder if the delay or failure results from events or circumstances beyond its control.

Mapfre Malta p.lc. shall not be liable for any losses resulting from third party services outside its reasonable control whether such services are used by you to access the Sites or used by Mapfre Malta in order to comply with your instructions.

Mapfre Malta p.l.c. further expressly disclaims any and all liability in respect of any loss or damage suffered by any person as a result of the information contained on this Web site. All information on this Web site is:

• Of a general informative nature only and should in no way be taken as an indication of future results;
• Not necessarily comprehensive, complete or up-to-date; and
• Subject to change without notice.

Mapfre Malta p.l.c. shall not be liable to you for any losses resulting from your accessing third party websites, whether or not you access such websites through the Sites. We reserve the right to modify, suspend or discontinue, temporarily or permanently, the use of the Sites, with or without notice. You agree that Mapfre Malta shall not be liable to you or to any third party for any such modification, suspension or discontinuance of the use of the Sites.

You agree to indemnify, defend and hold harmless Mapfre Malta, its directors, officers, employees, consultants, agents, and affiliates, from any and all third party claims, liability, damages and/or costs (including, but not limited to, legal fees) arising from, without limitation, your breach of these terms and conditions, your infringement of any intellectual property rights or any other right of any person or entity, or your breach of any duty of confidence or privacy, or any defamatory statements made by you in any form.

Applicable laws require that some of the information or communications we send to you should be in writing. When using this Site, you accept that communication with us will be mainly electronic. We will contact you by e-mail or provide you with information by posting notices on our Site. For contractual purposes, you agree to this electronic means of communication and you acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing. This condition does not affect your statutory rights.

We will not be liable or responsible for any failure to perform, or delay in performance of, any service which is exclusively provided by the Sites and which is caused by events outside our reasonable control (“Force Majeure Event”).

A Force Majeure Event includes any act, event, non-happening, omission or accident beyond our reasonable control and includes in particular (without limitation) the following:

• Strikes, lock-outs or other industrial action;
• Civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war;
• Fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster;
• Impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport;
• Impossibility of the use of public or private telecommunications networks;
• The acts, decrees, legislation, regulations or restrictions of any government.

If any of these terms and conditions are determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law.

You agree with our Privacy Policy.

These terms and conditions shall be governed by Maltese Law. By accessing the Sites, you have accepted Maltese law as the law governing the use of the Sites. The Courts of Malta shall have exclusive jurisdiction over all claims or disputes arising out of, or in relation to, or in connection with the Sites and these terms and conditions.

Mapfre Malta Plc and Mapfre Msv Life Plc (hereinafter referred to as The Companies and the Provider) with company registration numbers C-55553 and C-15722, respectively and registered offices at Middle Sea House, Triq San Publiju, Floriana, Malta FRN 1422 for Mapfre Malta Plc and The Mall, Triq il – Mall, Floriana, Malta FRN 1470 for Mapfre Msv Life Plc, owners of website www.mapfre.com.mt (hereinafter, the Website) and of the private area intended for policyholders.

1. PURPOSE OF THE CONTRACT

These terms govern the provision by Mapfre Malta of the digital service (hereinafter to as, the Service), as well as the registration, access, and use by the insured person (hereinafter, Client or User) of the applications (apps), websites, and other digital services (hereinafter, the Digital Channels) managed and offered by the companies listed below.

The PROVIDER makes available to the Client the aforementioned Service on behalf of Mapfre Malta Plc and Mapfre Msv Life Plc and their subsidiaries and affiliates (hereinafter, Mapfre Malta Companies).

The purpose is to allow the Client online access to information related to products and services they hold, as well as other restricted content based on their status as a Client, and to enable them to carry out available operations within the Service.

The functionalities, content, and available operations may vary depending on the Digital Channel used.

It is an essential requirement for this Contract to remain valid that the Client maintain at least one active contract with any Mapfre Malta Company.

The Provider’s responsibility is limited to providing the Service under these terms; each of the Mapfre Malta Companies are responsible for fulfilling their obligations arising from any specific contract the Client holds with that entity.

2. IDENTIFICATION

This Service is strictly personal to the Client and may not be used by any other person.

Access to the Service through the Digital Channels is unique — that is, a single username and password will grant access across all Digital Channels. Registration requires the Client to provide the requested information, including the “Client Identification Number” (CIN) and “personal password,” which together allow access at any time. 

Both parties agree that the Client’s Identification Number and personal password have the same legal validity as the Client’s handwritten signature. The Provider may request written confirmation for security reasons.

The Client accepts the identification methods used by the Provider, which may require knowledge of data unlikely to be known by third parties.

3. CONTRACTING PRODUCTS AND/OR SERVICES

The Client may contract those products and services of Mapfre Malta Companies that are available through the Digital Channels.

4. OPERATIONS

All operations carried out through the Digital Channels between any Mapfre Malta Entity and the Client will be governed by the general and specific conditions of each product or operation and by this Contract and will be subject to applicable fees.

The Providers offers services subject to the particular conditions of each contract the Client holds with the corresponding Mapfre Malta Entity.

These conditions apply to current and future products and services.

5. SECURITY AND USE OF CODES AND PASSWORDS

The Provider undertakes to keep all required access codes confidential. Likewise, the Client must keep them secret, not write them down on easily lost or stolen media, and not share them with third parties.

The Client is solely responsible for correct use of the Service.

If the Provider has reasonable doubt about the identity of the person issuing an order or attempting access, the order will not be processed until direct communication with the Client is established and the issue is resolved, potentially requiring written confirmation.

This does not constitute breach of contract nor liability for the Provider.

The Provider may adopt security measures and suspend access in case of suspected unauthorized or fraudulent use.

6. LOSS OR THEFT

In the event of loss, theft, or suspected knowledge of access codes by third parties, the Client must notify the Provider as soon as possible through any method that provides proof of receipt. Failure to do so releases the Provider from liability for improper operations carried out.

7. EXEMPTION FROM LIABILITY

The Client must comply with applicable legislation in all operations performed through telematic networks. The Provider is not responsible for damages suffered by the Client or third parties due to transactions made through networks external to Mapfre Malta Companies.

The Provider is not liable for damages due to interruptions, failures, disconnections, or breakdowns in telematic networks, public or private, or in the systems used, nor for delays due to deficiencies or overloads in such systems.

The Provider is also not liable for errors in information from external providers, nor for damages caused by unauthorized third-party intrusions or computer viruses.

8. FULFILLMENT OF ORDERS

The Provider will attend to Client requests as quickly as possible unless prevented by force majeure.

The Provider is not obligated to process orders that do not meet legal or contractual requirements or when termination causes apply.

9. FEES

The Service is provided free of charge, without prejudice to fees or commissions that may apply to certain operations. These will be informed and specified before the corresponding service is provided.

10. FORCE MAJEURE

Non-compliance caused by force majeure does not create liability for either party. Force majeure includes, among others, lack of communication means, energy, or IT services due to terrorism, fires, strikes, riots, or wars.

11. BASIC INFORMATION ON DATA PROTECTION

Joint Controllers:
Mapfre Malta Plc and Mapfre Msv Life Plc

Purpose:

• Management of registration as a digital unique user, access, and use of apps, websites, and other digital services.
• Management of contractual relationships with Mapfre Group Companies.

Rights:
You may exercise access, rectification, deletion, limitation, objection, and portability rights by emailing: rmb@mapfre.mt or rmb@msvlife.com

Additional Information:
Available in any digital asset where you registered as a user.

12. MODIFICATION OF CONDITIONS

The Provider may modify the Service conditions, operating rules, identification procedures, and validation  processes.
They may also modify or suspend Digital Channels for justified technical, security, or control reasons.

13. DURATION

This Contract is of indefinite duration. Either party may terminate it without cause by notifying the other through a method providing proof of receipt. No indemnification arises from termination.

Termination does not affect contracts the Client has with the Mapfre Malta Companies, which remain in force.

14. GOVERNING LAW AND JURISDICTION

Any issue between the Provider and the Client regarding the validity, interpretation, or compliance of this Contract is subject to Maltese law and the jurisdiction of the Maltese courts and tribunals.

Terms of Use

The terms indicated below regulate access to and use of the Customer Area of the Mapfre Malta Plc and Mapfre Msv Life Plc (hereinafter referred to as The Companies) website and mobile applications (hereinafter, the Website/Apps), owned by The Companies with company registration numbers C-55553 and C-15722, respectively and registered offices at Middle Sea House, Triq San Publiju, Floriana, Malta FRN 1422 for Mapfre Middlesea Plc and The Mall, Triq il – Mall, Floriana, Malta FRN 1470 for Mapfre Msv Life whose insurance activity is subject to the supervision of the Malta Financial Services Authority.

The terms established in the Digital Service Agreement and the Privacy Policy will also apply to the Website/Apps in all matters that may be relevant.

By accessing or using the Website/Apps, you declare that you have read, understood, and unreservedly accepted these Terms of Use, which are published at all times on the Website/Apps, and you agree to comply with them.

The User guarantees that they possess full legal capacity, according to their age and/or circumstances, to accept these Terms of Use; otherwise, they must inform their legal representatives.

1. ACCESS

The Companies provide their customers (hereinafter, the Users) with the Website/Apps, which allows them to access information related to the products and services they hold, as well as other relevant content, and to carry out certain procedures available in the Website/Apps related to the products and/or services they have contracted with Mapfre Malta Plc and / or Mapfre Msv Life Plc.  Amongst others, these include; requesting quotations, taking out new policy, renewing a policy, reporting a claim, requesting assistance, or managing appointments (without prejudice to the specific terms governing each product and/or service), as well as any additional services that may progressively be incorporated.

Access to the Website/Apps is free of charge, except for the cost associated with the User’s internet connection through their telecommunications provider.

The User acknowledges and accepts that the use of the services offered on the Website/Apps is entirely at their own risk and responsibility.  The User agrees to use the Website/Apps in accordance with the applicable Laws and with these Terms of Use. The User must not use the Website/Apps for fraudulent or harmful purposes, nor engage in any conduct that could damage the image, interests, or rights of the Mapfre Malta Companies or third parties. Specifically, the User must refrain from:

1. a) Reproducing, copying, distributing, making available, publicly communicating, transforming, or modifying the contents.
   b) Reproducing or copying for private use any content considered Software or Databases under the applicable intellectual property legislation, as well as publicly communicating or making such content available to third parties when these actions necessarily involve reproduction by the User or a third party.
   c)  Breaching the security measures established by MAPFRE on the Website/Apps or using it illegally.
   d) Performing any act with the intent to damage, disable, or overload the Website/App, or otherwise hinder its normal use and operation.

The User is informed that, in the event of non-compliance with these Terms of Use or any other terms contained on the Website/Apps, The Companies reserves the right to limit, suspend, or block access to the Website/App and even deregister the User, using any technical measures deemed necessary.

2. INTELLECTUAL AND INDUSTRIAL PROPERTY

Mapfre Malta Plc and Mapfre Msv Life Plc owns or has obtained the corresponding license for the intellectual and industrial property rights of the Website/Apps, as well as the intellectual and industrial property rights to the information, materials, contents, and services provided or offered by The Companies on the Website/Apps, including their structure, selection, arrangement, and presentation.

Therefore, all intellectual and industrial property rights are reserved. It is forbidden to modify, copy, reuse, exploit, reproduce, transform, publicly communicate, republish, upload files, send by email, transmit, use, process, or distribute, in any way, all or part of the contents and products included on the Website/App for purposes unrelated to the development and execution of the products and/or services contracted by the Users with the MAPFRE Group, unless prior, express, written authorization has been obtained from The Companies or, where applicable, from the rightful owner.

Access, browsing, use, hosting, and/or downloading of such content and/or use of services from the Website/Apps by the User for purposes aligned with the contractual relationship shall never be understood as a waiver, transfer, license, or total or partial assignment of the rights indicated above by Mapfre Malta Plc and / or Mapfre Msv Life Plc or, where applicable, by the corresponding rights holder.

Furthermore, it is not permitted to remove, bypass, or manipulate the copyright notice or any other identification data related to The Companies’ rights or those of third parties, included in the contents and/or services of the Website/App, nor any protective devices or information and/or identification mechanisms that may be contained within them.

Access to or use of the Website/Apps and/or its contents and/or services does not grant the User any rights over the trademarks, trade names, logos, or other legally protected distinctive signs displayed on the Website/App, whether owned by entities of the Mapfre Group or third parties. Their use is prohibited without prior written authorization from Mapfre Middlesea Plc and Mapfre MSV Life Plc or their legitimate owners.

3. LIABILITY

The User shall be liable for any damages caused to Mapfre Malta Plc and Mapfre Msv Plc, Mapfre Group entities, or third parties due to the breach or disregard of the instructions and Terms of Use of the Website/Apps, when intent, fault, or negligence is involved.

The Companies are not responsible for the use of the Website/App by the User or third parties. It is likewise not responsible for any damage or alteration to the User’s equipment or devices as a result of installing the application or using the Website/App, nor for errors, omissions, interruptions, deletions, defects, operational or transmission delays, communication failures, or changes in the User’s communications.

Mapfre Malta Plc and Mapfre Msv Life Plc assume no responsibility for information on the Website/Apps originating from sources outside the Mapfre Group, nor for content not created by them.

Any links that may appear on the Website/Apps are solely for the purpose of informing the User of other sources of information related to the subject, where they may expand on the data provided. The Companies are not responsible for the results obtained through such hyperlinks.

The existence of links shall never imply the existence of agreements with the owners of the linked sites, nor any recommendation, promotion, or identification of Mapfre Malta Plc and / or Mapfre Msv Life Plc with the statements, content, or services provided.

The Companies do not know the content and services of the linked sites and therefore is not responsible for damages resulting from the illegality, quality, outdated nature, unavailability, errors, or uselessness of the content and/or services of linked sites, nor for any other damage not directly attributable to Mapfre Malta Plc and / or Mapfre Msv Life Plc.

The Companies reserves the right, at any time and without prior notice, to make any modifications, updates, removals, or changes to the software or other components of the Website/App deemed necessary to add functionalities and/or services. The User must ensure that they always use the most up‑to‑date version of the Website/App.

4. DURATION AND MODIFICATION

The validity of these Terms of Use coincides with the period during which they are displayed, indicating the date of their latest revision.

Mapfre Malta Plc and / or Mapfre Msv Life Plc may modify these Terms of Use, in whole or in part, and may introduce new terms upon notifying the User. If the User disagrees, they may unsubscribe from the Website/App and, if applicable, uninstall the mobile application. The User may consult the Terms of Use in force at any time at: https://www.mapfre.es/condiciones-area-cliente/

The Companies may also terminate, suspend, or interrupt access to the contents of the Website/App at any time and without prior notice, and may end the use of the Website/App without the User being entitled to any compensation. Following such termination, the usage prohibitions established in this document shall remain in force.

These Terms of Use are governed by Maltese Law.