Terms and Conditions of Usage

Dear user,

Before using this web page, we invite you to fully browse the Terms and Conditions of this platform presented on this page.

The usage of this website (visiting, registering, logging in/out, requesting quotes, purchasing) imply the complete acceptance of its Terms and Conditions of Usage.

In case you DO NOT agree with these, or have other opinions, please stop using the services provided on this website!

 

This platform is not destined to be used by persons under the age of 18. By using it, you are declaring that you are at least 18 years of age at the current date and you assume the responsibility that the information and data provided by you is real.

 

TRANSILVANIA BROKER DE ASIGURARE SA, hereinafter referred to as TRANSILVANIA BROKER , owns the intellectual property rights (including the rights over the database) regarding the trademarks, logos and all the other materials presented on this website. TRANSILVANIA BROKER will not sell or lease these databases to any third party.

 

It is forbidden to reproduce, distribute or publish the content presented on this site under any form, by any person, without the written agreement of TRANSILVANIA BROKER DE ASIGURARE SA.

 

TRANSILVANIA BROKER DE ASIGURARE SA does not guarantee that the information displayed on this website does not contain errors, even though it makes every effort to convey up-to-date and exact data. Any person that wishes to inform and/or to purchase one of the services presented on the website is asked to contact TRANSILVANIA BROKER in order to find out more details related to their availability, contract terms, taxes, charges, commissions, etc.

 

No information on this website – regarding TRANSILVANIA BROKER, SHALL BE CONSIDERED AN OFFER!

 

This website DOES NOT CONTAIN ADVICE OR RECOMMENDATION in regards to making a decision, no matter which one it would be. Therefore, TRANSILVANIA BROKER cannot be held liable for any damages caused to the users of this website.

 

TRANSILVANIA BROKER DE ASIGUARE SA cannot be held liable legally for any damages or losses caused to the users of its website by erroneous information. The information can be changed at any time and no guarantee can be given regarding its accuracy, complete or up-to-date character of the information provided.

 

TRANSILVANIA BROKER DE ASIGURARE SA cannot guarantee or control the actuality and accuracy of the information presented on third party websites, referred to on its own website.

 

TRANSILVANIA BROKER DE ASIGURARE SA reserves its right to modify the content and/or the structure of the website at any time and without any prior information. Therefore, we can stop, postpone or modify these services and additionally, we can remove elements of their content, at any time, as we enrich our platform or add new functionalities to it.

 

TRANSILVANIA BROKER DE ASIGURARE SA reserves its right to make amendments and modify the Terms and conditions periodically. The changes will take effect as soon as they have been updated on the website, they will not be applied retroactively and also, they will not imply any prior information of the consumer.

 

This site uses Google Analytics, a traffic analysis service owned by Google Inc. and therefore cookies. Cookie categories used: website performance, visitor analysis, retargeting and advertising. These cookies do not collect personal data and they do not identify the website visitors personally, but are used to be able to offer a content tailored to your personal preferences while browsing the internet. If you wish to find out more about how cookies work in relation to online advertising, please consult the website  http://www.youronlinechoices.com/ro/. To view the Google Analytics “Terms of Service” please access the link http://www.google.com/analytics/tos.html.

 

In the Data protection section (click here), you can consult the Cookie policy at length.

 

In order to access and browse www.transilvaniabroker.ro, there is no need to provide us with any data. The only exception are the cookies, if they have been set in a previous visit and they have not already expired.

 

When you wish to leave us a message or request a quote on this website, you will be demanded your contact data, such as but not limited to: name, company name, phone/fax number, email address.

 

Whenever the processing of personal data is necessary and there is no legal basis for this, we always require the agreement/consent of the concerned person.

 

It is possible that some services are conditioned by providing your personal data.

 

For complete and correct information regarding personal data processing, please consult the Data protection section (click here) on our website. 

 

TRANSILVANIA BROKER DE ASIGURARE SA is registered in the Evidence registry of personal data operators under the no. 23791.

 

If you do not agree with the personal data processing policy, DO NOT use our website or DO NOT provide us with your personal data!

 

 

Who are we?

 

The current services are offered by TRANSILVANIA BROKER DE ASIGURARE SA, brokerage company, main intermediary on the insurance distribution market, authorised to intermediate insurance products (insurance policies) of the partner insurance companies, being registered and authorised by the Insurance Supervision Commission (Financial Supervision Authority – ASF) under the number RBK-.374/17.11.2006.

 

Registered office: mun. Bistrita, Calea Moldovei nr.13, jud. Bistrita-Nasaud, postcode 420096.
The main activity is identified in the CAEN code under the position 6622 – Insurance agents and broker activities.

 

The electronic commercialisation of insurance contracts is carried out only by authorised distributors, respecting the legal provisions and the regulations in the field.

 

The insurance policies are drawn up by respecting all the norms and legislation in force and are issued using the platform of the main intermediary TRANSILVANIA BROKER DE ASIGURARE SA.

 

The offers that end with the issuing of the insurance contract/policies through electronic commerce means of insurance contracts and are automatically registered in the management and evidence software of the issuing entities, secured through the insurance mechanisms of the registration non-repudiation.

 

In order to validate the data provided by the customer, the users of the electronic commerce means of insurance contracts use any means of proof, having at the same time the obligation of registering and storing the data over a period of minimum one year after the insured period.

The validity of the contracts issued through electronic means

 

According to the Electronic commerce law _ Law 365/2002 with the following modifications and additions:

 

“Art. 7: The validity, legal effects and evidence of contracts issued through electronic means

 (1) The contracts issued through electronic means produce all the effects that the law recognises in the contracts, when the conditions demanded by the law for its validity are met.

(2) For the validity of the contracts issued through electronic means, the prior consent of both parties over the usage of electronic means is not necessary.

(3) The evidence of issuing contracts through electronic means and of the obligations that result from these contracts is subject to the common right disposition in terms of evidence and the provisions of the Law no. 455/2001 regarding the electronic signature.”

Used terms

 

User/buyer – any person interested in this platform-website or which accesses the site for information purposes or in order to submit an order;
Website – the online store hosted on the web address transilvaniabroker.ro and all of its subdomains;
Order – an electronic document which intervenes as a form of communication between the seller and the buyer through which the buyer conveys the seller via the website his intention to purchase goods/services on the website;
User Account – represents the account registered by the user on this website;
Brokerage Company (insurance broker) – main intermediary on the insurance distribution market, legal Romanian person authorised according to the legal provisions;
DNT – Analysis Form of customer demands and necessities;
Insured person – person that has an insurance contract with the insurance companyș
Insurer – Romanian legal person authorised in the according to law to exert insurance activities, the headquarters or branch of an insurer in a third-party state as well as the headquarters of an insurance company or of a mutual society in a member state, which has received an authorisation from the competent authority in the origin member state;
Insurance – form of protection based on a contract through which an individual or legal person cedes certain risks to a legal person insurer, by paying a sum of money called an insurance premium. The insurer is obliged through this contract to pay compensation to the insured person in case the insured events take place;
Insurance conditions – integral part of the insurance contract which regulates the rights and obligations of each part in the insurance contract, as well as the modality, term and terms of fruition of these;
Calculation – the calculation of the insurance offers value based on the data provided by the Purchaser/Customer/User;
Order form – is the template displayed by the operator which needs to be completed by the User to order the insurance policies;
Provider – means the insurer, Romanian or foreign legal person or the mutual society authorised according to Law no. 32/2000 regarding the activity of insurance and the supervision of insurance to exert insurance activities;
Necessary information to register – represents the personal data in the case of individuals and identifying data for legal persons, such as: name, registered office, Commerce Registry Office registration number, Unique Register Code, including the information necessary to issuing the invoice (e.g., bank and bank account number).

User account

 

The access in regards to visualising the offer and placing an order is permitted only to the users that have an active account on the website.

 

Each user can only have one account. It is forbidden to share an account between more users.

 

By creating and using the account, the user assumes the responsibility of maintaining the confidentiality of user data (user name and password) and for managing the account access, as well as, to the extent of the existing law, is responsible for the activity carried out through their account.

 

Moreover, by creating/using the account and/or placing orders, the customer/user/buyer accepts the website’s Terms and conditions expressly and unequivocally, in their latest up-to-date form which is communicated on the website at the date of the account creation/usage or/and at the date of placing an order.

 

For transaction security purposes the user is advised to log out whenever not using the account and not to set the automatic log in option on mobile devices. The disclosure of the access password is not permitted and we recommend using a password with strong security character.

 

The customer confirms that all the data provided by the customer, necessary to the buying process are correct, complete and real at the moment of placing an order.

 

Online selling policy

 

The access in regards to placing an order is permitted to any user/buyer.

 

For justified reasons, TRANSILVANIA BROKER reserves its right to restrict the user access to place an order, when it considers that, based on the conduct or activity of the user on the website, their action could prejudice in any way TRANSILVANIA BROKER. In any of these cases, the user/buyer can directly address TRANSILVANIA BROKER in order to be informed about the reasons that led to the application of the abovementioned measures.

 

Communication with the seller can be achieved through direct interaction with it, including online support (live chat) or through the addresses mentioned in the Contact section on the website. The seller has the freedom to manage the information it receives, without needing to give any justification for it.

How do I order?

 

The user/buyer can place orders on the website by adding the needed policies in a shopping cart and finalising the order by making the payment through one of the indicated ways.

 

By finalising the order, the buyer consents that all data provided necessary to the purchasing process are correct, complete and real at the date of placing the order.

 

By finalising the order, the buyer expressly consents that the seller or an authorised person can contact them in any means available agreed by the seller, in any situation in which it is necessary to contact the buyer and only to complete the placed order.

 

For the insurance contract of RCA type, the user confirms that all the data and information provided comply with the registration certificate, as well as that the person mentioned in the order form is the owner of the vehicle.

 

At the same time, the user guarantees that the data transmitted/completed in their account section, in the form fields, etc. for the other policy types are real and comply with the documents necessary in issuing those types of policies.

 

The user assumes the complete responsibility regarding the provided data and they accept that TRANSILVANIA BROKER DE ASIGURARE SA will not be held liable towards the user and/or third parties for the losses of any nature that result from providing erroneous information by the user through the website.

 

The user guarantees and assumes the responsibility to pay the ordered policy/policies within the stipulated conditions and methods.


By registering an order on the website, the buyer agrees with the communication form (telephone or e-mail) through which the seller undertakes its commercial operations.

 

Any notification that follows the offer received by the user/buyer, after placing the order has an informing role and does not represent the acceptance of the offer.
The insurance contract is considered issued at the moment when the buyer receives the ordered and paid policy via e-mail.

Information regarding purchasing an RCA policy

 

  • it is necessary to complete the quote requesting form
  • the information/data provided by you is confidential and will not be used in any other purpose
  • generating a quote does not imply any obligation on your part
  • the insurance contracts are issued by Transilvania Broker de Asigurare S.A., in the name of the partner insurance companies, respecting al legal norms in the field
  • the RCA contract prices are established by the insurers, which reserve their right to modify them at any moment, without a notice
  • the prices communicated by the insurers in real time are the same, in any area for the Romanian customers
  • the offer addressed to the customer/user is available for 15 days from the moment of placing the order
  • the policies are issued only after transmitting the order
  • if you cancel the order, the offer loses its availability
  • at the same time with the offer, you can consult the general insurance conditions of each insurance society
  • the classification of the bonus/malus class is automatically attributed based on the VIN number and the CNP/CUI – introduced in the RCA comparator
  • the absolute value of the gross commission to which the main intermediary is entitled to is determined through applying a percentage to the total insurance premium, being excluded from the final insurance premium
  • the issued RCA policies cannot be cancelled except in special conditions provided for by the law!
  • the reimbursement of the insurance premiums can be done only in case the vehicle is written off or sold based on justifying documents/solicited by the insurance companies!
  • the payment of the ordered RCA policy can be fulfilled only with a valid bank card
  • all the policies ordered and paid will be communicated electronically to the email address that the customer has logged in with or the one he has notified us with, being also available for printing in the user account section
  • in order to certify the data registered in the contract we reserve the right to demand copies of the certifying documents
  • to issue RCA policies with the purpose to register the vehicle we reserve the right to demand justifying documents, where appropriate (e.g., copy of the registration file, a scan of the sale bill or the sale and purchase agreement approved by the fiscal body)
  • according to law, you will be notified by TRANSILVANIA BROKER 30 days before the expiration of the RCA contract, together with the offer for 6 and 12 months for a new policy to the provided email address and/or through SMS
  • the legal provisions regarding the RCA insurance contract – Law 132/2017 applied through the ASF Norm 20/2017, with the ulterior changes and additions.

 

 

Information regarding the purchase of a TRAVEL policy

 

  • it is necessary to complete the quote requesting form
  • the information/data provided by you is confidential and will not be used in any other purpose
  • generating a quote does not imply any obligation on your part
  • the policies are issued only after transmitting the order
  • if you cancel the offer, the order will lose its availability
  • the insurance contracts are issued by Transilvania Broker de Asigurare S.A., in the name of the partner insurance companies, respecting al legal norms in the field
  • in order to ensure the imperative requests of some insurance companies, the policies will be issued only after transmitting the justifying documents via e-mail and after verifying the correctness of the information provided through the order form
  • the contract prices are established by the insurers, which reserve their rights to modify them at any moment, without a notice
    together with all the issued policies, you will receive the general insurance conditions
  • the reception – delivery of the insurance policies is made electronically through email (at the email address which the customer used to authenticate or has notified us with) and take the form established by the insurer. Taking into account the legal provisions, these are available without a stamp
  • the payment is realised at the moment of placing an order and the policy will include a proof of this
  • the payment of the ordered policy can only be accomplished through a valid bank card
  • on a surcharge, the policy can be delivered to any location in Romania if imposed
  • minimum requirements at the moment of issuing a Travel policy: to be in Romania, good health status at the moment of issuing the insurance contract/leaving the country.

 

Obligations of the parties

 

Seller
  • commits to fulfil the received orders, under the issuing and delivery terms and conditions
  • has the right to demand copies of the justifying documents, when necessary, in order to respect the requests of the insurance companies
  • has the right to cancel an order when the data communicated via phone, email or by completing the order form are not correct or complete
  • has the right according to law to notify the insured person through any form of communication (phone/email/SMS) in regards to the expiration date of the RCA policy and to communicate the renewal offer.

 

Buyer
  • is at least 18 years of age
  • has read and accepts the Terms and conditions / Personal data protection
  • has understood and accepts the order and payment methods
    commits to transmit the documents requested with the purpose of issuing the policies when it is necessary
  • assumes the fact that all the provided data necessary to the purchasing process are correct, complete and real at the moment of placing the order
  • accepts the offered premium
  • has appropriated the General insurance conditions, understanding the covered risks, the insured sums and exclusions on the ordered policy

 

Finalising the order and payment

 

All the rates related to the goods/services presented on the website are expressed in lei (RON) and are not subject to VAT

 

The displayed insurance premiums express the offers of the insurance companies, according to the customer request and the data provided by them

 

The customer/buyer places an order and chooses the credit or debit card payment method, being redirected to the payment processer agreed upon by TRANSILVANIA BROKER, by completing the card data and pays, respectively finalising the order.

 

By finalising the order, the buyer consents that all the data provided necessary to the buying process are correct, complete and real at the moment of placing the order.

 


By finalising the order, the buyer consents that the seller can contact them through any means possible/agreed by the seller, in any situation in which it is necessary to contact the buyer.

 


In the case of online payments, the seller is not/cannot be held liable for any additional cost supported by the buyer, including but not limited to currency exchange commissions applied by the bank that issued their card, when its issuing currency differs from RON. The responsibility for this action is carried exclusively by the buyer.

 


The card data of the user/buyer will not be accessible to TRANSILVANIA BROKER and they will not be stored by TRANSILVANIA BROKER or the payment processor integrated on the website, but only by the transaction authorising institution or other entity authorised to provide card data storage services, about whose identity the user/customer will be informed prior to completing the data.

 

 

For transaction security reasons the user is advised not to stay logged in on the website and not to set the automatic log in option on mobile devices. The disclosure of the access password is not permitted and we recommend using a password with a strong security character.


The customer confirms that all provided data necessary to the buying process are correct, complete and real at the moment of placing the order.

 

The seller can cancel the order placed by the buyer, following a prior notification addressed to the buyer, without any ulterior obligation of any party towards each other or without the possibility of any party to claim damages-interests to the other in the following cases:
1.1 the denial of the transaction by the issuing bank in the case of online payments;
1.2 the invalidation of the transaction by the payment processor agreed on by TRANSILVANIA BROKER in the case of online payments;
1.3 the data provided by the customer/buyer on the website are incomplete/incorrect.

 

Applicable law

 

The rights and obligations of the website users as well as of TRANSILVANIA BROKER established by this document will be interpreted and governed in conformity with the Romanian law.


All the litigations and/or legal aspects, the ones related to the rights and reparatory measures regarding any act, document and incident, undertaken on or in relation with this website or the operator services, will be governed by and interpreted in conformity with the Romanian legislation.


In the case of a litigation between a user and any other third party, you understand and agree that the operator and its authorised persons have no obligation to intervene.


If you have any question regarding these mentions, please contact us accessing the Contact (click here) section.

 

THE TRANSILVANIA BROKER DE ASIGURARE S.A. TEAM

 

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