LEGAL NOTICE

Terms of use for the website www.canarisk.es

Use of this website is subject to the rules set out below. Please read them carefully.

Website Owner (Service Provider)

CONCENTRA, the owner of this website, has its registered office at number 5 of Calle Marie Curie, Edif. Alfa 4º 4.6 (Rivas-Vaciamadrid – Madrid CP 28521) and CIF B59191296, is registered in the Mercantile Registry of Madrid, Volume 41.523, Book 113, reverse page B-10.466, Registration 25ª.

CONCENTRA INSURANCE BROKER SL is also registered in the Special Register of Insurance Intermediaries under the Directorate General of Insurance and Pension Funds of the Ministry of Economy and Finance (the entity responsible for supervising our activity). You can verify the validity of our administrative authorization to operate as a brokerage (Authorization J0336) on the Directorate General of Insurance and Pension Funds website: https://dgsfp.mineco.gob.es/es/Entidades/Paginas/rrpp.aspx

It has the financial capacity and Civil Liability Insurance as provided for in Royal Decree-Law 3/2020, of February 4, on urgent measures by which various European Union directives are incorporated into the Spanish legal system in the field of public procurement in certain sectors; private insurance; pension plans and funds; the tax field and tax litigation.

The brokerage has no contractual relationship with insurance companies that could affect its standing. Therefore, it offers independent, professional, and impartial advice to its clients.

Brokerage activity (Service Description)

In accordance with Royal Decree-Law 3/2020 of February 4, on urgent measures incorporating into Spanish law various European Union directives in the areas of public procurement in certain sectors; private insurance; pension plans and funds; taxation; and tax litigation, CONCENTRA provides its Insurance Mediation Services objectively and independently, safeguarding the interests of its clients and representing them before insurance companies. CONCENTRA offers its advice based on the principles of independence from insurance companies, as well as objective and personalized analysis for its clients, always seeking the coverage that best suits their needs, according to their stated requirements.

CONCENTRA INSURANCE BROKER SL carries out this commercial activity of mediation without maintaining contractual links that imply any impact on insurance entities.

Regarding the remuneration that CONCENTRA receives for its Mediation Services, we inform you below of the different remuneration systems that CONCENTRA has implemented for its Insurance Mediation Services:

CONCENTRA will freely agree with the insurance company on the commission it will receive for the insurance policy(ies) brokered, or, if applicable, will expressly agree in writing directly with the client on the corresponding professional fees, which will be increased by any applicable taxes. CONCENTRA may also be remunerated by a combination of commissions received from the insurance company and fees received directly from the client.

In addition to the above, CONCENTRA may charge, along with the premium, an additional amount for administrative expenses, the amount of which will be agreed with the client.

It is also reported that CONCENTRA may additionally receive commissions from insurance companies for services ancillary to Insurance Mediation, such as management of insurance premium collection and others on the overall portfolio of insurance policies that it mediates with the various insurance companies.

Finally, it is reported that within the CONCENTRA group there are other companies that provide certain services to insurance companies such as reinsurance brokerage, insurance underwriting agency and/or consulting, different and independent from the Insurance Mediation Services provided by CONCENTRA, but which may be related to the risks covered, and those companies may receive commissions or fees from the insurance companies for such services.

To obtain competitive underwriting terms, CONCENTRA (directly or through the CONCENTRA Group's reinsurance brokerage firms) may work with insurers that underwrite or are considering underwriting your risks, so that they can find reinsurers for those risks. To help facilitate this process, we may share your information with the CONCENTRA Group's reinsurance brokerage firms and/or with those reinsurers, and CONCENTRA and the CONCENTRA Group's reinsurance brokerage firms may earn income from the placement of reinsurance for those risks.

Should you require any clarification regarding CONCENTRA's remuneration system, you may contact your usual contact person at CONCENTRA, who undertakes to provide any necessary clarifications in this regard.

Insurance Contract Terms and Conditions

All insurance policies that you may contract directly from our website or through our telephone service are governed by the provisions of Law 50/1980, on Insurance Contracts, Royal Legislative Decree 6/2004, of October 29, which approves the consolidated text of the Law on the Regulation and Supervision of Private Insurance, and its Regulation of November 20, 1998, and by the provisions of the policy itself, both in its General and Particular Conditions.

Without prejudice to the pre-contractual information that will be provided to the user regarding both the General and Special Conditions, all details of coverage and exclusions will be contained together with the policy documentation that you will receive after contracting at the address you have provided, and you must review it and notify us of any errors or incidents you may detect.

During the online contracting process, the user, in addition to having a guide on the website with the different procedures that must be followed to conclude the contract, will have the possibility of telephone advice at all times.

Return & Right of Withdrawal

In accordance with Article 10 of Law 22/2007 of July 11, on the distance marketing of financial services to consumers, you have 14 calendar days to withdraw from the distance contract, without giving reasons and without penalty. The period will be 30 days for life insurance.

This right will not apply to the following insurance contracts:

  • Insurance contracts in which the policyholder assumes the investment risk, as well as contracts in which the guaranteed return is based on investments allocated to them.
  • Travel or luggage items with a duration of less than one month.
  • Those whose effects end before the period referred to in paragraph 1 (i.e., 14 calendar days).
  • Those who fulfill an insurance obligation of the policyholder.
  • Guaranteed pension plans.

To exercise this right, it will be sufficient for the policyholder to convey their decision to withdraw through any procedure that allows proof of notification, in any way permitted by law, indicating the product purchased, policy number and insurance company.

You can exercise your right through the withdrawal form, but its use is not mandatory.

Download the form to exercise your right of withdrawal here

In compliance with the provisions of Article 10 of Law 34/2002, of July 11, on Information Society Services and Electronic Commerce, general information relating to the Companies that make up the Concentra Group is made available to Users.

  • CONCENTRA INSURANCE BROKER SL
  • HISPANIA RISK BROKER INSURANCE AND REINSURANCE BROKERAGE, SA
  • HISPANIA GLOBAL UNDERWRITING REINSURANCE BROKERAGE, SL
  • Concentra Mediación SL

The registration of brokerage and agency companies in the Register of Insurance and Reinsurance Distributors of the Directorate General of Insurance and Pension Funds can be verified on the website of said body:

https://www.dgsfp.mineco.es/es/Distribuidores/PUI/Paginas/pui.aspx

Customer service and advocacy (Complaint procedures)

As established by regulations on customer protection in financial services, CONCENTRA INSURANCE BROKER SL has a customer service department to handle and resolve consumer complaints and claims, as identified in this document. Submitting a claim to this department is mandatory for any out-of-court resolution.

CONCENTRA INSURANCE BROKER SL complies with all requirements regarding customer service departments and ombudsman for financial institutions, having an external Customer Service department that will resolve your complaints and claims within two months from the date of submission. To submit a complaint, please send the Complaint Form to:

Representative's Name and Surname: JOSE LUIS FERNANDEZ SANCHEZ
Owner's Name: BARCELONA ASSOCIATION OF INSURANCE MEDIATORS
Address: Paseo San Juan, 33, ground floor
Postal Code: 08010
Population: Barcelona
Province: Barcelona
Phone: 932153223
Email: [email protected]

The procedure for resolving customer complaints and claims is established in the "Customer Defense Regulations".

Regulations on transparency and customer protection in financial services:

  • Law 44/2002, of November 22, on measures to reform the financial system.
  • Royal Decree 303/2004, of February 20, approving the Regulation of the Commissioners for the defense of the client of financial services.
  • Order ECO/734/2004 of March 11, on customer service departments and services and the ombudsman of financial institutions.
  • Royal Legislative Decree 1/2007, of November 16, approving the revised text of the General Law for the Defense of Consumers and Users and other complementary laws.

If you do not receive a response within the aforementioned timeframe, or if you disagree with the outcome of the Customer Service Department's decision, you have the right to file a complaint with the Complaints Service of the Directorate General of Insurance and Pension Funds. You may submit your complaint by sending it to the following postal address:

Paseo de la Castellana, 44, 28046 – Madrid. Tel: 952 24 99 82 (Hours: Monday to Friday, 9:30 a.m. to 14:30 p.m.).

The complaint or claim can be submitted electronically through the website of the Directorate General of Insurance and Pension Funds, www.dgsfp.mineco.es.

Brokerage Liability (Guarantee of the means)

Accessing or using this website in any way implies acceptance of all the provisions of this Legal Notice.

CONCENTRA INSURANCE BROKER SL employs all available security and control measures to minimize problems caused by technical errors. However, some data or information contained on the website may have been created or structured in files or formats that are not error-free, therefore, it cannot be guaranteed that the service will not be temporarily interrupted or otherwise affected by such technical problems.

CONCENTRA INSURANCE BROKER SL reserves the right to temporarily or permanently interrupt the services provided through this website, giving notice, except in cases of technical impossibility, through a statement on the website itself.

CONCENTRA INSURANCE BROKER SL displays information on its website about promotions and offers provided by various insurance companies, which in no case constitute a binding offer; these are subject to approval conditions by the insurance company, according to its contracting conditions.

CONCENTRA INSURANCE BROKER SL reserves the right to modify this Legal Notice at any time in order to adapt it to regulatory changes or for business reasons. Therefore, it is the responsibility of each User to read the Legal Notice in effect each time they access this website. If a User does not agree with any of the conditions set forth herein, they should refrain from accessing it.

Intellectual and Industrial Property

The texts, drawings, photographs, other audiovisual elements and programming elements contained or used on this website that form part of it are the property of the brokerage.

The brokerage does not grant any rights of reproduction, distribution, public communication, or transformation of the website, its programming, design, or content. Any use of the website not in accordance with its purpose is prohibited.

In this sense, the use of this website does not imply the transfer of any of the rights of reproduction, distribution, public communication or transformation over any of the aforementioned works.

Contact details

You can contact us either by mail at Calle Marie Curie nº 5, Edif. Alfa 4º 4.6 28521 Rivas-Vaciamadrid (Madrid) or by email at [email protected] . If you use email, we will contact you as soon as possible.

Privacy policy

In accordance with Regulation (EU) 2016/679, the General Data Protection Regulation (“GDPR”), CONCENTRA has implemented a Security Policy aimed at ensuring the application of the necessary technical and organizational security measures to guarantee the security, confidentiality, and integrity of the personal data processed, taking into account the type of information or data processed and the state of the art. Similarly, CONCENTRA has a Privacy Policy compliant with the GDPR, which details, among other things, the scope, purposes, and legal basis for data processing. Both policies are available by clicking on Privacy Policy. For the provision of its insurance brokerage and distribution services, CONCENTRA will collect and process the personal data, including specially protected data (primarily health data), that you provide to us, for the purpose of providing private insurance brokerage services, as well as the maintenance, administration, and management of your insurance policy, including claims management. If you do not provide the requested data or, where applicable, do not consent to its processing for the specified purposes, the services cannot be carried out. In this regard, Law 50/1980, of October 8, on Insurance Contracts, establishes the policyholder's duty to declare to the insurer, before the conclusion of the contract, in accordance with the questionnaire submitted by the insurer, all circumstances known to them that may influence the risk assessment. If you provide us with data of third-party individuals.

Before communicating with them, you must inform them of the information contained in this document. The data will be kept for as long as necessary for the provision of services, and subsequently for the period during which any claims arising from those services may be filed.

Without prejudice to your reading them carefully, we provide you below with basic information on the processing, which reflects the most relevant aspects of the aforementioned policies:

Should you have any questions regarding this communication or any other aspect related to personal data, please contact CONCENTRA's Data Protection Officer.

BASIC INFORMATION ON DATA PROTECTION

Responsible: CONCENTRA INSURANCE BROKER SL

Data Protection Officer: [email protected]

PURPOSES:

  • Provision of private insurance mediation services.
  • To carry out analyses or studies and to promote and offer products of its own or of third parties marketed by CONCENTRA.
  • Comply with our legal and regulatory obligations.

LEGITIMATION:

  • Execution of a contract.
  • Legitimate interest.
  • Consent.
  • Compliance with legal obligations.

RECIPIENTS:

Insurance companies with which risks are quoted and insurance policies are subscribed, medical practices, healthcare centers, experts, and other third parties for claims management. Companies of the CONCENTRA Group and other third parties, including those based in countries outside the European Economic Area, as described in CONCENTRA's Privacy Policy.

RIGHTS:

You may exercise your rights of access, rectification, erasure, portability, limitation and opposition to processing, by mail addressed to CONCENTRA (Marie Curie, 5. Floor 4, 4th. ALFA BUILDING (Rivas-Vaciamadrid)) or electronically ( [email protected] ), proving your identity.

ADDITIONAL INFORMATION: You can find additional and detailed information on our website.

If you have any questions regarding the processing of your personal data, or if you wish to file a complaint or claim relating to it, you can contact the Data Protection Officer of CONCENTRA ( [email protected] ). In any case, you can file a complaint with the Spanish Data Protection Agency as the supervisory authority in this matter ( www.aepd.es ).

Applicable law and jurisdiction

This Legal Notice is governed by Spanish law. To the extent permitted by law, the parties, expressly waiving any other jurisdiction that may apply, agree to submit to the jurisdiction of the Courts of Madrid.