The present provisions regulate the use of the Internet portal service (hereinafter, the Portal) that Solunion Seguros, Compañía Internacional de Seguros y Reaseguros S.A. (hereinafter, Solunion Seguros) makes available to users. Access to and use of the website https://misolunion.solunionseguros.net  and all the subdomains and directories included under it (hereinafter jointly referred to as the Portal), as well as the services that can be obtained through it, are subject to the terms stipulated in this Legal Notice.

Therefore, if you do not agree with the considerations detailed therein, please do not use the Portal, as any use of the Portal or of the services included therein will imply acceptance of the legal terms contained in this text.

Terms of Use

This website aims to provide information about Solunion Seguros and the products and services it offers free of charge and without prior registration, without prejudice to the possibility of requiring prior registration to access certain information, as well as allowing Insured Parties who meet the conditions established for this purpose to access online services for the management of their policies through the restricted area.

The user is obliged to make good use of the website, being understood as good use that which is in accordance with current legislation, good faith and public order.

In turn, the user undertakes not to use the website for fraudulent purposes, and not to carry out any act with the aim of damaging, rendering useless or overloading the website, or preventing, in any way, the normal use and operation of the same.

The user is informed that, in the event of non-compliance with the Terms of Use, the Privacy Policy or any other terms or conditions contained in the website, Solunion reserves the right to limit, suspend or block access to the website, through any technical measures needed.

The user is informed and expressly consents by accepting this clause and continuing to browse the website to the processing of the data provided voluntarily in the same, as well as all data that may be provided to Solunion directly and those obtained by recording telephone conversations or as a result of browsing the Internet website or by any other means, on the  occasion of the management of your activity as a user of the Platform and the processing, monitoring and internal management of the contractual relationship, where appropriate, communications or transfers of data that may be made, all for the purposes detailed in the Privacy Policy.

Industrial and Intellectual Property

Except if the contrary is indicated, all the elements included on the website, such as the brand, the trade name, the logotypes, design, images, texts, etc., are the property of Solunion Seguros – or it has the necessary license to use them – and are protected by the Industrial and Intellectual Property laws, without access to the web page granting the users any kind of right to those elements.

Browsing with cookies

This site uses cookies, small files that are generated in the user’s computer and that provide knowledge of information for merely statistical purposes, such as visit frequency, times of access, or the most selected content.

Cookies are linked to an anonymous user and do not allow access to personal data nor to the hard disc, although the user has the option to prevent their generation through the configuration options of their web browser.

User access to the website involves authorisation to obtain and process information generated as a result of its use, under the terms stated, for the sole purpose of providing more personalised browsing.

Privacy

Mere access by the user to the website of Solunion Seguros does not allow to know any personal data of the user. If the user requests any additional information from the Company, he/she must authorise the automated processing of any personal data that he/she may voluntarily provide by means of the appropriate form, which will be treated confidentially in accordance with the provisions of Organic Law 15/1999 on the Protection of Personal Data and other applicable legislation. For further information, please consult our Privacy Policy.

Anonymous browsing through the website

Solunion only collects anonymous information from visitors to the website that cannot be associated with a specific user and cannot be used to identify that user.

Specifically, it collects data on:

• The domain name of the provider (ISP) that gives you access to the network (e.g. a user of provider xxx will be identified with the domain xxx.es), in order to compile statistics on the countries and servers that visit the Web most often.
• The date and time of access to the website, in order to find out the the peak hours and make the necessary adjustments to avoid access problems.
• The Internet address from which the link to the website started, in order to know the effectiveness of the different buttons and links that redirect to our server and to promote the ones that offer the best results.
• The number of daily visitors to each section, in order to know the areas of greatest interest and to increase and improve their content so that users obtain a more satisfactory result.
• This site is measured using Google Analytics and Adobe Digital.

Marketing Suite solutions, which use page markers and anonymous cookies to analyse what happens on the pages. You can see more information about Google Analytics privacy policy at https://www.google.com/intl/es_ALL/privacypolicy.html.

Liability

The user accepts the consequences of any kind that may derived from his free access to the website. Solunion Seguros shall not be held liable for the veracity and accuracy of the information from third parties or for the content the user may access through links to third party web pages embedded in this page.

Complaints and Claims

Pursuant to the regulations established for the protection of users of financial services (Order ECO 734/2004 of 11 March), in the event of a dispute arising regarding the interpretation or execution of contracts signed by the Company, policyholders, insured, beneficiaries, injured third parties and associations, which are related to their legally recognised interests and rights and which derive from alleged breaches by the entities complained about of the regulations on transparency and customer protection or good practices in the insurance market may submit complaints and claims to the Customer Service Department of Solunion Seguros by letter (Apartado de Correos 2053 – 28080 Madrid) or by e-mail: (reclamaciones@solunion.com), in accordance with the Regulations.

Complaints may be submitted on paper or by computer, electronic or telematic means, in accordance with the terms of Law 59/2003, of 19 December, on electronic signature.

General information

Solunion Seguros, Compañía Internacional de Seguros y Reaseguros S.A. is a Spanish company with registered office in 28020 Madrid (Spain), Avenida del General Perón nº 40, which can be contacted by telephone on (+34) 91 581 34 00, by fax on (+34) 91 581 51 46, or by e-mail at cys@solunion.com.

It is registered in the Mercantile Register of Madrid, Volume 6534, General 5540, Section 3, Folio 69, Page 55389, Entry 1, and has Tax ID number A/28761591. As an insurance company, it is authorised by the Ministry of Economic Affairs and Digital Transformation to operate in the insurance branches of Credit and Surety and is subject to the supervision of the Directorate General of Insurance and Pension Funds in the exercise of its insurance activity, in whose Administrative Register of Insurance Companies it is registered under code C0571.

Audit and Compliance Committee

Solunion Seguros has an Audit and Compliance Committee with the functions established in the third Additional Provision of Law 22/2015, of 20 July, on Account Auditing, whose members are: Mr. Carlos Mas (Chairman), Ms. Véronique Bolland and Mr. Bosco Francoy Olagüe.

Structure of the Solunion Group

Information on the legal structure of Solunion and the governance and organisational structure of the Solunion Group for the purposes of the provisions of article 182 of Royal Decree 1060/2015, of 20 November, on the Regulation, Supervision and Solvency of Insurance and Reinsurance Entities.