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1. Ownership of the website: Who we are

Pursuant to article 10 of Law 34/2002, 11th july of "Information Society Services and Electronic Commerce ” (hereinafter "LSSI”), the webpage www.valiro.com (hereinafter "the website”) is operated by VALIRO Servicios Empresariales SL (hereinafter “Valiro”), with Tax ID number B-62527346, registered with the Barcelona Commercial Register in Volume 33.536, Sheet 139, Page B-229540, Inscription 1ª, and corporate address at Alt de Gironella 2, 3º 1ª, 08017, Barcelona, an insurance broker authorized and regulated by the Spanish Insurance Regulator and registered at the Official Insurance Mediator´s register with number J-3303.

2. Use of the website

This disclaimer (hereinafter “disclaimer”) sets the conditions governing the use of the information society services that Valiro puts at the disposal of users through the website. Aspects related to the treatment of personal data from users navigating the Website are regulated in the Privacy Policy below.

By accessing this Website you (hereinafter ¨users) fully agree to the contents of this disclaimer and undertakes to be bound by its terms, by the Privacy Policy and with any instructions indicated from time to time.

Access to this Website is free of charge, except for the charges incurred by the user with his or her telecommunications provider for connection to the Internet. Valiro reserves the right to make updates or modifications to the Website at any time, including changes to this disclaimer, so we recommend each user to read it before each access to the website.

The user agrees not to use the Website for fraudulent or unlawful purposes, and not to carry out any conduct that could damage the image, interests and rights of Valiro or third parties, with the commitment to use the Portal, and the services and contents included, in a diligent, correct and lawful manner. In particular, the User agrees to refrain from: deleting, ignoring or manipulating the ‘copyright’ and other identifying data of the rights of the copyright owners incorporated into the contents of the Portal, as well as the technical protection measures, or any reporting mechanisms that might include such content. Furthermore, the User agrees not to take any action that damages, destroys or overloads the Website, or prevent, in any way, the normal use and operation of the Website.

Failure to comply with this disclaimer, Valiro reserves the right to limit, suspend or terminate the user access to the website, by any means, as well as the right to initiate any legal action available to Valiro against such user. Valiro also reserves the right to decide at any time about continuity of the services rendered through this website.

3. Intellectual Property

The intellectual property rights on content layout of the Website including sui generis rights on the database), graphic design (look & feel), distinctive features (trademarks and trade names), the underlying computer programs (including source codes), as well as the different elements making up the Portal (texts, graphics, photographs, videos, etc.) belong to Valiro, or Valiro has the right to use and exploit them, and in this sense constitute works protected by the intellectual and industrial property legislation in force.

The use of the Website does not in any way involve the transfer of Valiro´s intellectual and/or industrial property rights in the Portal, its contents and/or distinctive features of Valiro. To this effect, by means of this Disclaimer, except in those cases where it is legally permitted, the User is expressively forbidden from the reproduction, transformation, distribution, public communication, making available, extraction and/or reuse of the Website, its contents or the distinctive features of Valiro.

The reproduction of elements or contents on the Website with the aim of profiting or for commercial purposes is expressly and strictly prohibited.

4. Limitations of liability

The User acknowledges and accepts that the use of the Website is carried out at all times entirely under their risk and responsibility. Valiro is not responsible for the misuse or abuse made of the Portal. For this purpose, Valiro will only be liable for damages that the User may suffer from the use of the Website when those damages are governed by legislation in force.

In particular, Valiro will not be responsible for:

  • The content of the websites accessed through the links included on the Website. In this regard, the terms set out in section 5 of the present Disclaimer will apply.
  • Damages of any kind caused to the computer equipment of the User caused by viruses, worms, Trojans or other harmful elements. The User acknowledges that the use of the Internet entails the assumption of a risk that their computer equipment may be affected by the elements listed above. For this purpose, the availability of the adequate tools for the detection and removal of malicious electronic programs is under the responsibility of the User.
  • Damages of any kind produced to the User that cause malfunctions or disconnection of telecommunications networks that lead to the suspension, cancellation or interruption of the service of the Website rior to or during the Website´s use. In this regard, the User acknowledges that access to the Portal requires services provided by third parties outside the control of Valiro (for example: operators of telecommunications networks, access providers, etc.) whose reliability, quality, continuity and operation does not correspond to Valiro.

The addition of content to the Website does not constitute, in any manner, the provision of advice, a personalized recommendation or a legal service. The User acknowledges that the application of the law to specific cases is not automatic, but varies according to the circumstances of each case; the information found in the contents of the Website is insufficient for decision-making of any nature. Therefore, the information contained on the Website cannot be considered an alternative to financial, insurance or legal advice, and Valiro discourages a user from making decisions on the basis of the information contained in the Website without obtaining proper professional advice.

5. Links

The Website may include links that allow the User to access other pages and Internet portals (‘Linked Sites’). To this end, Valiro acts as a provider of intermediary services in accordance with article 17 of the LSSI, and will only be responsible for the content and services provided on the Linked Sites to the extent of their knowledge of wrongfulness and failure to deactivate the link exercising due diligence. In the event that the User considers that there is a Linked Site with unlawful or inappropriate content, please inform Valiro through info@valiro.com. In no way will this communication constitute an obligation to remove the link.

The existence of Linked Sites does not in any way imply that Valiro has effective knowledge of any of the services and contents of those websites in the case of illegality, or has necessarily maintained agreements with the managers or owners of the Linked Sites. Likewise, Linked Sites do not imply the existence of a recommendation, promotion, identification or Valiro conformity with the statements, content or services provided on the Linked Sites. As a result, Valiro is not responsible for the content of the Linked Sites or their terms of use and privacy policies, and the User is responsible for checking and accepting them each time the User accesses and uses the Linked Sites.

The User and, in general, any natural or legal person who intends to establish a link from their Website o this website, must obtain prior permission in writing from Valiro. The establishment of such link does not imply the existence of a relationship between Valiro and the owner or proprietor of website, nor the acceptance or approval by Valiro of its contents or services.

In any case, Valiro reserves the right to prohibit or disable at any time the links to the Website, especially in the case of wrongfulness of the activity or contents of the Linked Site.

6. Generalities

The use of the Website is governed and interpreted in accordance with Spanish law and by using the Website the User is indicating their agreement that any dispute or litigation arising between the User and Valiro will be treated by the courts and tribunals in accordance with the applicable legislation. In the event that a provision contained in this Disclaimer is declared void, Valiro will remove or replace that provision. The declaration of invalidity of a provision does not affect the validity of the remaining provisions contained in this Disclaimer.

Privacy policy

Pursuant to the provisions of Law 15/1999, of December 13, on the Protection of Personal Data (‘LOPD’) and its implementing regulations, we inform users that the personal data they provide via any forms available on our Website http://www.valiro.com (‘Website’), or via email to any address provided to our professionals or any other means of communication, will be incorporated into a file under the responsibility of VALIRO Servicios Empresariales SL, with corporate address at Alt de Gironella 2, 3º 1ª, 08017, Barcelona. The purpose of processing this data is the management of requests, including attention to queries and requests for information, as well as, where appropriate, the maintenance and management of the professional, commercial and/or contractual relationship established with any of our offices and professionals.

Unless stated otherwise, all the data that we request in the forms available on the Website are mandatory. Refusal to provide the mandatory data will result in the inability to handle the specific request in question. Please notify us immediately of any changes to your data so that the information contained in our files is always updated and correct. You are therefore agreeing that the information and the data that you provide to us is accurate, up-to-date and truthful.

In certain electronic forms you may be requested to provide your consent to be kept informed about services and relevant aspects of insurance law and insurance taxation by any means, including email or other electronic media equivalents, in accordance with the provisions of article 21 LSSI ( Ley de Servicios de la Sociedad de Información - Law on Information Society Services and Electronic Commerce.)

You may, at any time, exercise your rights of access, rectification, cancellation or objection, with regard to the personal data in the above files, by email to info@valiro.com or by writing to the above addresses, enclosing a photocopy of your National ID card or other official document that verifies your identity.

Finally, we will treat your data, at all times, as strictly confidential and with the mandatory duty of secrecy in accordance with the provisions of the applicable regulations, adopting the necessary technical and organizational measures to ensure the security of your data and avoid its alteration, loss, unauthorized access or handling, taking into consideration the technology available, the nature of the data stored and the risks to which it is exposed.