TÉRMINOS Y CONDICIONES

TERMS AND CONDITIONS

Object

 

We would like you to familiarize yourself with the general terms and conditions (T and C) that are set out below, which establish the conditions of processing and organization of your purchases and that regulate the use and use of the website owned by WISEG MEDIACIÓN DE SEGUROS, SL (hereinafter, C1Broker®).

 

Browsing the C1Broker® website gives you the status of USER of the same and entails your full and unreserved acceptance of each and every one of the conditions published in this legal notice, warning that said conditions may be modified without notification prior by C1Broker®, in which case it will be published and notified as far in advance as possible.

 

Therefore, it is advisable to carefully read its content if you wish to access and make use of the information and services offered from this website.

The user also undertakes to make correct use of the website in accordance with the laws, good faith, public order, traffic uses and this Legal Notice, and will respond to C1Broker® or to third parties, of any damages that may be caused as a result of the breach of said obligation.

Any use other than that authorized is expressly prohibited, and C1Broker® may deny or withdraw access and its use at any time.

ID

C1Broker® in compliance with Law 34/2002, of July 11, on Services of the Information Society and Electronic Commerce, informs you that:

 

Owner is: WISEG MEDIACIÓN DE SEGUROS, SL

Trade name is: C1Broker®

CIF is: B76774298

Telephone: (+ 34) 922 941 610

Registered Office: AVDA. BARRANCO DE LAS TORRES, ED. CC DOMASA, LOCAL 104 (PL ALTA) 38670-ADEJE (SANTA CRUZ DE TENERIFE)

Registration Data: It is registered in the Mercantile Registry of Santa Cruz de La Palma, Volume 76, Folio 146, page IP-3276

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For more information about our data protection policy, you can consult our Privacy Policy.

 

SERVICE INFORMATION

 

Through this website, C1BROKER® offers its clients the possibility of requesting the contracting of insurance policies, although the decision to insure or not the risk requested by our clients corresponds, solely and exclusively, to the insurance entities with the that we collaborate.

 

In order to comply with your request, C1BROKER® will have to transfer the personal data that you provide to the Insurance Companies with which we collaborate.

 

C1BROKER® guarantees that said transfer of data complies with current regulations in

matter of protection of personal data. For more information about our data protection policy, you can consult our Privacy Policy. ( Https://www.c1brokers.com/politica-de-privacidad )

 

In accordance with the provisions of article 26 of Law 26/2006, of July 17, on Private Insurance and Reinsurance Mediation, we inform you that the offer we present to our clients is the result of independent and objective advice provided by C1BROKER® who, among insurance of the same type offered by different insurance entities, proposes the one that, according to our professional criteria, best suits their needs, taking into account both the information provided by the client, as well as our experience of more than 25 years on the market.

 

The total price that must be paid for the requested policy will be the one that, except for error or omission of the Insurance Company, appears in the proposal that we will send you. In any case, the price offered by C1BROKER® includes all possible items, whether it is expenses, taxes or fees, so that you will not be obliged to pay a different or additional amount to that consigned in the offer that we transfer to you.

 

The offers made by C1BROKER® to your insurance application will have a limited and non-extendable validity of 1 month, counted from the date you receive the offer. After said period without having contracted the policy, the offer will lose all its validity and effectiveness, not being binding for C1BROKER®.

 

 

Right of withdrawal and return and minimum age

 

We inform you that, by virtue of the provisions of Article 10 of Law 22/2007, of July 11, on Remote Marketing of Financial Services for Consumers, you have a period of fourteen (14) calendar days to withdraw of the insurance contract that may have been contracted, without the need to indicate the reasons for the withdrawal and without any penalty, as long as the harmful event covered by it has not occurred. Said period will begin to run from the date the contract is signed or from the day you receive the contractual conditions and other information legally required.

 

Said withdrawal period will be thirty (30) calendar days in the event that the contract entered into is for life insurance for a duration greater than six months. As of the date on which the right of withdrawal is communicated, the risk coverage by the insurer will cease and the policyholder will have the right to a refund of the premium he / she had paid, except for the part corresponding to the period of time in which the contract would have been in force.

The right of withdrawal will not be applicable to those insurance contracts signed to comply with an insurance obligation of the policyholder.

 

To exercise the right of withdrawal, you can contact C1BROKER® by written communication sent to Avda. Barranco de Las Torres, Ed. CC Domasa, Local 104A, 38670 Adeje - Tenerife, Spain, or by email to the following address control @ c1broker.es

Minimum purchase age

The minimum age to be provided the service is 18 years.

 

Customer Support

 

Likewise, we inform you that to attend and resolve complaints and claims, C1BROKER® has a Customer Service Service. The person in charge of the C1 Broker Customer Service Department is the General Council of the Associations of Insurance Mediators and this has been ratified by the DGSFP.

 

DAC representative:

Mr. Enrique Mendizábal (Secretary General of the General Council of the Associations of Insurance Mediators)

Telephone: 91 411 19 63

Email: atencioncliente@mediadores.info

Address: Plaza de España, 10. 28008 - MADRID (Spain)

 

Said Service has the obligation to resolve said complaints or claims within a maximum period of two months from the date of presentation. If said resolution is not to the liking of the Client, he may contact the Claims Service of the General Directorate of Insurance and Pension Funds.

 

General Directorate of Insurance and Pension Funds

Claims Service

Pº de la Castellana 44

28046 Madrid

Email: reclamaciones.seguros@meh.es

 

 

 

SECURITY

The C1BROKER® website uses information security techniques generally accepted in the industry, such as firewalls, access control procedures and cryptographic mechanisms, all in order to prevent unauthorized access to data and the possible theft of data. the same. To achieve these ends, the user / client accepts that the provider obtains data for the purposes of the corresponding authentication of access controls.

 

 

We offer 100% secure payment

 

On the C1BROKER® website we guarantee that each of the transactions carried out is 100% secure.

All the purchases you make on our website are endorsed by the secure server of the Banco Santander bank, so that your data is protected and encrypted by the most advanced technology, so it is much safer to send your data to the Secure Server of banks to pay at a gas station, restaurant, etc.

What happens when I send my data over the network?

When you make the purchase and choose the payment method, when you click on the Payment by card button the website connects with the Secure Server, from that moment you enter to navigate in the secure area and enter your bank details in the Secure server of the bank, which ensures that the operation meets the required security requirements and performs the operation, after which the confirmation of the same appears and the buyer returns to the store again.

Could someone know the encryption key?

Every time a user connects to a Secure Server, it is in charge of generating a random key for the session that it is establishing with the user, while the client's browser generates another key, equally random, that serves to identify itself to the user. server.

If at the time a secure connection is established, other users connect to the server, new keys are generated again to identify the participants in the connection.

The Secure Server ensures that the keys generated never coincide while establishing several

simultaneous connections.

 

How do I know that a secure connection has actually been established?

You can tell if you have connected to a Secure Server if the URL starts with "https: //". In addition,

Most used browsers indicate this graphically by means of an icon that shows the user whether or not there is a secure connection (for example, in the case of Internet Explorer, the yellow closed padlock appears).

 

What security protocol is used in the transmissions?

In the connections with the Secure Server, the latest specifications of the standard security protocol in the network are used: SSL.

What financial institution guarantees the security of my transactions?

When you make a purchase with a debit or credit card on the C1BROKER® website, a connection is established with the Secure Server of Banco Santander, it contributes all its experience and technological infrastructure to provide safe and effective support to all electronic transactions purchases made on the C1BROKER® website. When a payment request arrives at the Banco Santander Secure Server, it is in charge of managing the authorization or denial, in real time, of the payment of that purchase after confirming that all the data is correct to make the payment.

 

Where can you obtain more information?

If you want more information on security issues, you can use the one provided by Banco Santander on its website, www.bancosantander.es . 3D Secure The Banco Santander gateway is compatible with the new secure payment protocols on the internet introduced by the Visa and Mastercard brands.

 

3D Secure is the safest credit card payment system because it is capable of authenticating the cardholder, it guarantees that the customer who is using a card number is actually the cardholder. This is done using a secret password that your own bank will provide and that only you will know. In most cases, this password can be requested online. For more information, you can consult your bank's website or contact it.

 

Very important

Our website only accepts payment with credit cards that are secured (3D Secure), so you will need a special password to buy online that must be provided by the financial institution issuing the card, mentioning the need to have the virtual password. by 3D Secure. We recommend using this 3D Secure system, you make sure that you are the only one who can make purchases with the card, making its fraudulent use on the network impossible, guaranteeing the total security of the transactions.

 

How do we protect your credit card payment?

The C1BROKER® website uses a server based on one of the most reliable secure payment systems on the Internet: the SSL (Secure Socked Layer) security protocol. (For more information, visit www.ssl.com).

All your personal data and the information you transmit to us travels in encrypted form through the network, and is protected and encrypted before being sent for processing.

 

Only CES (Secure Electronic Commerce) transactions will be accepted for payment with Visa and Mastercard. After verifying that the card is attached to the CES system, the system will contact the bank that issued it so that the buyer authorizes the purchase. Once the bank confirms the authenticity, the card will be charged. Otherwise the order will be canceled.

The payment gateway that we use for your credit card payment is Banco Santander, which encrypts your data through the 256-bit SSL protocol. Our system does not store any bank details of your credit card, but goes directly to the Ecommerce POS (Point of Sale Terminal) of the Bank.

What is SSL?

The latest advances in browser and server technology have made it easier to use web services without

concerns related to wire fraud. An example of this is Secure Sockets Layer (SSL),

developed by Netscape, a security protocol submitted to the Internet Engineering Task Force (IETF) as

internet draft. Basically, the protocol allows the browser and the server of a web session to authenticate each other and protect the information that will subsequently flow between both points. Through the use of cryptographic techniques such as encryption and digital signature, the protocol:

■ Allows browsers and web servers to authenticate each other.

■ Allows website owners to control access to servers, directories, files, or services

individuals

■ Allows the sharing of confidential information (such as credit card numbers) between the browser and the server, keeping it inaccessible to third parties.

■ Allows you to ensure that the data exchanged by the browser and the server cannot be corrupted, either accidentally or deliberately, without being detected.

 

 

 

 

INTELLECTUAL PROPERTY

 

WISEG MEDIACIÓN DE SEGUROS, SL is the owner, and has the corresponding license, on the exploitation rights of intellectual and industrial property of C1Broker®. All the contents of the Web, including the graphic design, source code, logos, texts, graphics, illustrations, photographs, and other elements that appear on the Web, unless otherwise indicated, are the exclusive property of C1Broker® or have authorization to its use. In no case will it be understood that the User's access and navigation implies a waiver, transmission, license or total or partial cession of said rights by C1Broker® on any other right related to its website and the services offered on it. Consequently, it is not allowed to suppress, circumvent or manipulate the copyright notice ("copyright") and any other data identifying the rights of C1Broker® or its holders incorporated into the contents, as well as the technical protection devices , fingerprints or any information and / or identification mechanisms that may be included in the content. Likewise, it is prohibited to modify, copy, reuse, exploit, reproduce, publicly communicate, make second or subsequent publications, upload files, send by mail, transmit, use, process or distribute in any way all or part of the contents included in the page www.c1brokers.com for public or commercial purposes, if you do not have the express written authorization of C1Broker®.

 

The User acknowledges, consequently, that the reproduction, distribution, commercialization, transformation, and in general, any other form of exploitation, by any procedure, of all or part of the contents of this Website constitutes an infringement of intellectual property rights. and / or industrial owner of the website or the owner thereof.

 

All the contents of the website, such as texts, photographs, graphics, images, icons, technology, software, as well as its graphic design and source codes, constitute a work whose property belongs to C1Broker® or has authorization for its use, without being able to None of the exploitation rights over them shall be understood to be assigned to the user beyond what is strictly necessary for the correct use of the web.

 

Ultimately, users who access this website can view the contents and make, where appropriate, authorized private copies provided that the reproduced elements are not subsequently transferred to third parties, nor are they installed on servers connected to networks, nor are they subject to any kind of exploitation.

 

Likewise, all trademarks, trade names or distinctive signs of any kind that appear on the website are the property of C1Broker® or have authorization for their use, without it being understood that the use or access to it attributes to the user any right over the themselves.

 

The distribution, modification, transfer or public communication of the contents and any other act that has not been expressly authorized by the owner of the exploitation rights are prohibited.

 

The establishment of a hyperlink does not imply in any case the existence of relations between C1Broker® and the owner of the website on which it is established, nor the acceptance and approval by C1Broker® of its contents or services.

 

C1Broker® is not responsible for the use that each user gives to the materials made available on this website or for the actions carried out based on them.

 

 

You can read our full statement at: LEGAL NOTICE

 

 

 

 

 

PRIVACY POLICY

 

When we need to obtain information from you, we will always ask you to expressly provide it to us voluntarily. The data collected through the data collection forms on the website or other means will be incorporated into a personal data processing for which WISEG MEDIACIÓN DE SEGUROS, SL is responsible (hereinafter: C1Broker®).

 

This entity will treat the data confidentially and exclusively for the purpose of offering the requested services, with all the legal and security guarantees imposed by the RGPD UE 2016/679, the Spanish Legislation of Application LOPD 3/2018 of December 5 and Law 34/2002, of July 11, on Services of the Information Society and Electronic Commerce.

 

C1Broker® will not transfer or share the data with third parties without your express consent.

 

Likewise, C1Broker® will delete or rectify the data when they are inaccurate, incomplete or are no longer necessary or relevant for their purpose, in accordance with the provisions of the RGPD UE 2016/679, Protection of Personal Data.

 

The user may revoke the consent given and exercise the rights of access, rectification, deletion, limitation, revocation, opposition and portability of their data by exercising it through our website by clicking on the link Exercise of Rights Arsol duly identifying [SW1] and indicating express form the specific right to be exercised.

 

 

 

 

SECURITY MEASURES

 

The security measures adopted by WISEG MEDIACIÓN DE SEGUROS, SL are those required, in accordance with the provisions of article 32 of the RGPD. In this sense, WISEG MEDIACIÓN DE SEGUROS, SL, taking into account the state of the art, the costs of application and the nature, scope, context and purposes of the treatment, as well as the risks of variable probability and severity for the rights and freedoms of natural persons, has established the appropriate technical and organizational measures to guarantee the level of security appropriate to the existing risk

 

In any case, WISEG MEDIACIÓN DE SEGUROS, SL has sufficient mechanisms in place to:

 

  • Guarantee the confidentiality, integrity, availability and permanent resilience of the treatment systems and services.

 

  • Restore the availability and access to personal data quickly, in the event of a physical or technical incident.

 

  • Verify, evaluate and assess, on a regular basis, the effectiveness of the technical and organizational measures implemented to guarantee the security of the treatment.

 

  • Pseudonymize and encrypt personal data, if applicable.

 

WISEG MEDIACIÓN DE SEGUROS, SL, adopts the corresponding security levels required in the RGPD UE 2016/679 and LOPD GDD 3/2018 and other applicable regulations. However, it cannot guarantee the absolute invulnerability of the systems, therefore, it does not assume any responsibility for damages derived from alterations that third parties may cause in the user's computer systems, electronic documents or files.

 

If you choose to leave our website through links to websites that do not belong to our entity, WISEG MEDIACIÓN DE SEGUROS, SL, will not be responsible for the privacy policies of said websites or the cookies that they may store on the website. user's computer.

 

Our policy regarding email is focused on sending only communications that you have requested to receive.

 

If you prefer not to receive these messages by email, we will offer you through them the possibility of exercising your right to cancel and waive the receipt of these messages, in accordance with the provisions of Title III, article 22 of Law 34 / 2002, on Services for the Information Society and Electronic Commerce.

 

For more information see our Privacy Policy

 

 

DUTY OF INFORMATION TO THE CUSTOMER INSURANCE MEDIATION

 

Identity: WISEG MEDIACIÓN DE SEGUROS, SL CIF: B76774298

 

In accordance with art. 173 RD 3/2020 LDS of February 4, on the distribution of private insurance and reinsurance, we inform you of the following information:

 

 

1. Our registered office is located at AVDA. BARRANCO DE LAS TORRES, ED. CC DOMASA, LOCAL 104 (PL ALTA) 38670-ADEJE (SANTA CRUZ DE TENERIFE).

 

2. WISEG MEDIACIÓN DE SEGUROS, SL, carries out the insurance distribution activity as an INSURANCE BROKERAGE SOCIETY offering advice based on an objective and personalized analysis as dictated by the Private Insurance and Reinsurance Distribution Law.

 

3. In accordance with current legislation, we inform you that WISEG MEDIACIÓN DE SEGUROS, SL:

 

a- It complies with all the requirements established in the Law, being registered in the Special Administrative DGS Registry of Insurance Mediators, Reinsurance Brokers and their High Charges with the code number J3790 and that can be verified on the website of the General Directorate of Insurance and Pension Funds rrpp.dgsfp.mineco.es/Mediador

 

b- Has signed a Professional Civil Liability policy with a minimum coverage of € 2,000,000 and has legally established financial capacity in accordance with the Private Insurance and Reinsurance Distribution Law.

 

c- For the purpose of formulating any complaint or claim, this brokerage has an external customer service department, in charge of attending and resolving your complaints and claims: Mr. Enrique Mendizábal - Plaza de España, 10. 28008 - MADRID (Spain ) - Telephone 914 111 963 - Email atencioncliente@mediadores.info

 

d- The brokerage as responsible for the treatment, has established the treatment of your personal data, in accordance with the provisions of the General Data Protection Regulation of the EU and the current Law 3/2018 on Data Protection and guarantee of digital rights according to attached document.

 

e- The nature of the remuneration received in relation to the insurance contract is established in the form of a commission and is paid by the Insurance Entity.

 

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4. The broker / brokerage has no ties of social participation with insurance companies, as there is no insurer with close ties in the brokerage, which is why independent and interest-free advice is offered with third parties.

 

 

5. That is why the advice that we submit for your consideration has been based on an objective and personalized analysis, consisting of a general analysis of insurance contracts offered by a sufficient number of insurance companies operating in the market, considering that the The proposal that is made corresponds to your personalized demand according to the characteristics required to provide adequate coverage for your requirements and needs.

 

 

6. The brokerage also informs the client of the content of Article 21 of Law 50/1980, Insurance Contract, so that the communications that the mediator sends to the insurer will have the same effects as if they were made by the interested party. (policyholder).

 

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Who is responsible for the processing of your data?

 

  • Identity: WISEG MEDIACIÓN DE SEGUROS, SL CIF: B76774298

  • Postal address: AVDA. BARRANCO DE LAS TORRES, ED. CC DOMASA, LOCAL 104 (PL ALTA) 38670-ADEJE (SANTA CRUZ DE TENERIFE)

  • Telephone: (+ 34) 922 941 610

  • Email: protecciondedatos@c1broker.es

  • Data Protection Officer (DPD): Consulting & Strategy GFM, SL (GFM Servicios)

  • DPD contact: dpo@gfmservicios.com

 

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For what purpose do we process your personal data?

At the WISEG MEDIACIÓN DE SEGUROS, SL brokerage we treat the information provided by interested persons for the purpose of INSURANCE AND CLAIMS MEDIATION MANAGEMENT: purposes directly related to our legitimate functions; Analysis of insurance needs, preparation of insurance budgets, issuance of policies, review of insured risks, issuance of supplements, attention to the insured in claims assistance, preparation of claims declarations, administrative and accounting management including collection management of receipts, any intermediation management with the companies, as well as those of the assignee. The sending of communications directly related to the commercial relationship with our client and the provision of our services, as well as for the sending of commercial communications. Attention and response to your request through our forms on the website www.c1brokers.com

 

 

How long will we keep your data?

For some purposes, the data will be kept as long as the interested party does not exercise the right to delete them and what is necessary for the fulfillment of legal obligations and the prescription of responsibilities.

 

Once the insurance contract is terminated, the insurance broker or brokerage must proceed to cancel the data, unless the interested party has authorized the treatment of the same for other purposes and, in particular, for the conclusion of a new contract.

 

In any case, we have requested the Consent for the use of the personal data of canceled policies to contract new contracts and the assignment of them to different insurance entities, which you can revoke at any time.

 

 

What is the legitimacy for the processing of your data?

At the brokerage WISEG MEDIACIÓN DE SEGUROS, SL, we treat the information provided by interested persons in order to:

General Data Protection Regulation;

 

RGPD: 6.1.a) The interested party gave their consent for the processing of their personal data for one or more specific purposes.

 

RGPD: 6.1.b) Treatment necessary for the execution of a contract in which the interested party is a party or for the application at the request of the latter of pre-contractual measures.

 

RGPD: 6.1.c) Treatment necessary to comply with a legal obligation applicable to the person responsible for the treatment.

 

RGPD: 6.1.f) Treatment necessary for the satisfaction of legitimate interests pursued by the Data Controller or by a third party, provided that said interests do not prevail over the interests or fundamental rights of the interested party.

 

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We indicate the legal basis for the treatment of your data:

▪ Consent of the interested party: Consent for the Insurance Mediation service in favor of WISEG MEDIACIÓN DE SEGUROS, SL: Processing of data necessary for the development of insurance mediation tasks, specially protected data (Health data of the insured / s, data of family members and / or minor descendants, among others) when necessary; transfer of data to third entities and / or organizations related to the person in charge necessary for the provision of the requested or contracted service; the use of the personal data of canceled policies to contract new contracts and the transfer of the same to different insurance entities; sending commercial communications about other insurance products, promotions, offers and newsletters; the client's communications through WhatsApp or similar platforms.

 

▪ Legitimate interest of the Controller and third parties: Necessary purposes for the exercise of the functions defined in RD-Law 3/2020 LDS of February 4, Distribution of private insurance and reinsurance

 

▪ Execution of a contract: contract as Insurance Mediator in favor of WISEG MEDIACIÓN DE SEGUROS, SL

 

▪ Compliance with legal obligations: RD-Law 3/2020, RGPD UE 2016/679, LOPD-GDD 3/2018 and Law 50/1980, Insurance Contract.

 

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To which recipients will your data be communicated?

The data will be communicated to the following recipients:

▪ Insurance entities.

▪ Companies and organizations related to the data controller necessary for the provision of the service, for the purpose of INSURANCE MEDIATION MANAGEMENT AND CLAIMS ATTENTION, listed without limitation, such as: experts, lawyers, solicitors, repairers, Attention Department to the client.

▪ Courts and tribunals

▪ General Directorate of Insurance

▪ Companies needed to quote insurance policies

 

 

 

Data transfers to third countries?

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Data transfers to third countries are not foreseen.

 

What are your rights when you provide us with your data?

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Anyone has the right to obtain confirmation on whether the brokerage WISEG MEDIACIÓN DE SEGUROS, SL is treating personal data that concerns them, or not.

 

Interested persons have the right to access their personal data, as well as to request the rectification of inaccurate data or, where appropriate, request its deletion when, among other reasons, the data is no longer necessary for the purposes for which it was collected. .

 

In certain circumstances, the interested parties may request the limitation of the processing of their data, in which case we will only keep them for the exercise or defense of claims.

 

In certain circumstances and for reasons related to their particular situation, the interested parties may object to the processing of their data. In this case, the brokerage WISEG MEDIACIÓN DE SEGUROS, SL will stop processing the data, except for compelling legitimate reasons, or the exercise or defense of possible claims.

 

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You can materially exercise your rights in the following way: on our website by clicking the link Exercise of rights Arsol

 

If you have given your consent for a specific purpose, you have the right to withdraw the consent granted at any time, without affecting the legality of the treatment based on the consent prior to its withdrawal.

 

In the event that you feel your rights are violated with regard to the protection of your personal data, especially when you have not obtained satisfaction in the exercise of your rights, you can file a claim with the competent Data Protection Control Authority through from its website: www.agpd.es

 

Previously, you can file a claim with the Data Protection Delegate, at the email address dpo@gfmservicios.com, who will resolve the claim within a maximum period of one month.

 

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HOW HAVE WE OBTAINED YOUR DATA?

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The personal data that we treat in the brokerage WISEG MEDIACIÓN DE SEGUROS, SL come from the interested party or their legal representative.

 

The categories of data that are processed are:

 

▪ Personal identification data and those of direct family members in the case of other policyholders other than the policyholder in group policies.

 

▪ Postal and electronic addresses.

 

▪ Commercial information.

 

▪ Data of personal, academic / professional characteristics.

 

▪ Data on social circumstances, employment details.

 

▪ Financial, economic and insurance data.

 

▪ Bank details.

 

 

The following categories of special data are treated: Data related to health, sworn statement of health status of the insured / s, data of minor descendants for the contracting of: life, health, accident or other insurance where request this type of data.

LEGAL NOTICE - PRIVACY POLICY - COOKIES  - LEGAL CONSENT